Ms Elizabeth Arnett:

We ascertained as best we could who would fall into that category and I think there were a couple of hundred such customers before we started the process of formally writing to customers. We did so just to make sure it was on their radar that there is a lengthy process and to give them information as to the sort of documentation that would be required, in order that they did not get caught starting the process when the letter came from us and maybe run out of time. Opening the account on the other side is really a matter for the other bank, but we did best endeavours to flag this with customers as early as we possibly could.