Ms Debbie Byrne:

I think the Deputy is referring to the rates that are paid in the commercial contract. Those rates are based on the length of time a transaction takes. If somebody comes in to pay a bill that is one rate because it is a quick handover at the counter but if that person is opening a State savings account or doing a Brexit completion form, that rate will be higher because it is calculated, as best we can, based on the length of time it takes to do that. We have an arbitration clause within the commercial contract so if postmasters are unhappy with the rate for agency banking, for example, the provision is there to trigger arbitration and we will make the contracts available to an arbitrator to arbitrate on that. We are very happy to do that.