Ms Jane Howard:

We started our communications with customers last October with regard to choose, move, close. We started to send formal letters in April. As of today, 120,000 letters have been sent to our customers.

It may be helpful for committee members to know that, as of today, of our 360,000 customers who had active current accounts and used us as their main bank, 30,000 have chosen a new bank, moved their banking facilities and closed their accounts, so we now have 330,000 customers who use us as their main bank.