Ms Jane Howard:

I thank the Deputy. First of all, I apologise. He should not have been expected to bring in cash to Ulster Bank to close the account. If we can get the details from him we will take his feedback. I apologise as that should not have happened. We should be making it as easy as possible so we will certainly take that away. On the joint account, we are actively listening to customers at the moment in terms of anybody who is closing an account. We are looking for good feedback and areas where we need to improve. Joint accounts are an area that has come up and we have had the legal team look at terms and conditions to work out how we can support customers so they would not necessarily both have to be there at the same time. That is something we are working on at the moment. I thank the Deputy for letting us know about it. If he has any other feedback we would welcome it, be it from his own experience or anything else he hears.