Mr. Shane O'Sullivan:

The devil is in the detail. Unlike some of the other banks, we have significant levels of engagement across our customer base. We have not found ourselves needing to reach out to third parties in a significant way to date. That said, we engage with some third parties that approach us proactively on behalf of customers. This has worked well with the likes of New Beginning, the Irish Mortgage Holders Organisation, IMHO, and the Money Advice & Budgeting Service, MABS. We have a good relationship with them, but we have not found it necessary to formalise commercial arrangements with brokers.