Mr. Liam McLoughlin:

In those cases we have been through an extensive resolution process with the customers in line with the CCMA, code of conduct on mortgage arrears. That process starts when the customer is contacted about the arrears on his or her house or property. We have 790 skilled staff who are familiar with the CCMA process involved. It starts off with a network account manager in a branch meeting the customer and helping him or her to fill in an SFS, standard financial statement, a standard form from the Central Bank.