Mr. Patrick Sharkey:

I will provide an example of a couple in their late 50s or early 60s who were with National Irish Bank and whose mortgage transferred fully to a vulture fund. They were impacted. These transactions date back a fair number of years. Hand on heart, when my mortgage was transferred in 2019, I probably knew that I had defective blocks but I did not want to acknowledge it. I suppose what I am saying is that some of these mortgages may have been transferred with an acknowledgement of their reduced value and others may not have been but there is no clarity on any of it.