Mr. Gavin Kelly:

From our perspective, if we took a decision to change our variable rates across the bank, it would affect KBC customers and we would discuss it with them when they came across. It would be from a different base. For example, if we were making a rate change for customers on certain loan-to-value rates the change would apply to the customers regardless of the rate they were on. If it were a 25 basis point adjustment or 0.25% adjustment , it would equally apply to the KBC rate. It would apply to the same customers in the same cohort as in Bank of Ireland. The rates would adjust in that way.