Mr. Jim Brown:

My response in the previous hearing was as follows. First, Mr. Tomlinson has not engaged with me at all. I have not seen any of the allegations or any of the cases that have been alleged either. We have had one contact from him, through his office, to a relatively junior member of staff to inquire about one line. That is the only contact that we have had.

In terms of the key findings, there is nothing in the report that specifically covers Ulster Bank. What I have said is that we take these allegations seriously and that RBS has instigated a separate review and commissioned Clifford Chance, one of the world's largest law firms, to carry out a review, which is under way as we speak. We expect the review to be concluded in the coming weeks. Separately, a review is being conducted by the UK regulator. The Clifford Chance review covers Northern Ireland and the Republic.