Mr. Eamonn Crowley:

The transaction we are taking on with Ulster has a number of component parts. More than 400 employees will transfer from Ulster Bank to us, including the full complement staff currently in those branches..

We will supplement the staff numbers in those branches with additional staff to ensure we are attracting more customers and providing the same service and, therefore, we are not going to cut staff in that respect. Indeed, 400 members of staff are coming over. They will not all be in branches. Approximately 150 will be coming into the branch network.