Ms Fiona McMahon:

The legal rights and protections of customers will travel with them in respect of their tracker products. That is very important. We monitor our management information on an ongoing basis to look at any customers who want to change from a tracker product to ensure that we, and they, understand the reasons they are doing this, in addition to ensuring that they know they can keep their tracker products and should not look to repay because we are leaving the market. The rights associated with their tracker products will travel with them. We have instituted a process to ensure that we speak to those customers and explain their rights to them.