Mr. Justice John Hedigan:

Before the time I came on board, I spoke to Ms Kelly during the selection process and found her to be an inspirational character. Her assistance in setting up the board has been outstanding. She is a fairly senior banker and her knowledge of the banking industry has been of immense assistance to me. Quite recently I made representations to try to have her kept on until we replaced her with a permanent chief executive. I am very glad that I have been assured that will be done. I cannot think of anybody who could have helped so much in setting up the board. Had I brought in somebody new, he or she would have needed a long time to settle in. When we have a chance to explain the working programme we have established which was designed by Ms Kelly, the Deputy will see what I am talking about. Its intensity and depth more than demonstrate what I am saying.