Mr. Gavin Kelly:

No. We examined what service we believed we could provide in terms of access to cash. That access is through our 169 locations where we have ATMs and through the ATM networks of companies like Euronet that supply a service through shops and stores. Cashback on our debit cards is another popular service that gives customers access to cash and also helps business customers. When we examined the matter, we felt that the access to cash across the country was appropriate, given what we were seeing in terms of customer demand.