Mr. Brendan O'Connor:

We have a good relationship with the IMHO, which has been ongoing for a little over a year. The IMHO released results last week showing that long-term sustainable solutions had been reached for approximately 1,350 accounts. There is some misunderstanding about the nature of the relationship between Allied Irish Banks and the Irish Mortgage Holders Association. The IMHO is an engagement channel and the services we offer through that channel are not any different from the services we offer through any other channel. To the extent that personal insolvency practitioners come to us or a mortgage holder contacts us directly, we do not offer a special product. What we provide is an engagement that is principally for people who want to be represented and believe they cannot approach the bank directly.