Ms Jane Howard:

People do not even have to request it. Just to be clear, if any customer needs other statements, such as where they have an overdraft with us and want to get one with another bank, then they may need to provide statements to show how their account has worked. We make it clear to those customers they might want to get three months' worth of statements to take so they can go to another bank. I will follow up on the point on the closing statements because that should be happening.