Dr. Colin Hunt:

EBS has been part of AIB Group since 2011. It has a different model from the rest of the group in terms of how we engage with its offices. We have 68 agent offices around the State. It is a very important part of the group in terms of the delivery of mortgage products to our customers. We have excellent relationships with the vast majority of our agents. All of my colleagues and I are fully invested in the success of EBS and its agents. However, in the context of an EU restructuring programme where we were required to shut 20 of those offices, the issues to which the Chairman referred arose. I will hand over to my colleague, Mr. O'Keeffe, to speak on this topic.