Mr. Sean Martin:

One of the biggest opportunities we have is in agency or community banking, as we call it. We call it banking for everyone, which is being able to do AIB and Bank of Ireland business. We are still doing Ulster Bank business even though they are pulling out of the country. This is of great importance for us from the point of view of access to a branch, to a person or to cash. I attended a public forum on banking during the week and cash, we are told, is not going out of the system. Approximately 20% to 25% of people are still using cash exclusively and are not using a card and there is also a mixture of both usages. Cash is of great importance for communities because it is the cash that we hand out locally that sustains the local communities. It is of great importance, therefore, that we continue our use of cash. Agency banking can certainly be an opportunity for us where banks are pulling out of rural Ireland and out of the country. We can fill that gap and have been filling that gap up until now.