Ms Jane Howard:

Ms Arnett addressed the business customers, who are being dealt with in a different way. On the personal customers, I cannot comment, and it would not be right for me to comment, on what other banks and financial institutions do. However, a customer should not be forced down a particular route, whether it is a credit card or an overdraft. We all have regulations under conduct to ensure we look after customers. If a customer has an overdraft and it is the right product for them then that is the product that should be given to them. All banks must follow the conduct rules to ensure the customers have the right product. If the Deputy has individual cases it would be appropriate for them to be referred to the particular bank in hand.