Mr. Darragh Lennon:

Similar to Ulster Bank, we have reached out and publicly advertised and held an industry event whereby all of our top 20 direct debit originators were invited. We had a much broader attendance than that at the actual event, at which we shared in detail our plans and numbers, when we expected notices to issue to customers, what supports are there for customers and so on to try to give them a picture as to what the timing might look like from their perspectives. We have then had numerous bilateral engagements with different direct debit originators since that event where they have asked us to share some more detail, perhaps, about our plans or to look individually at our customer base and see where customers might sit.

We have engaged with the Department of Social Protection as well, which is obviously a big one because there is a process to be gone through for customers there in terms of changing social welfare. That is an important process for customers as social protection payments are incoming payments and it would be a very difficult situation if that was not done correctly. Similarly, through the BPFI there are weekly engagements with the BPFI and the direct debit originators. It is a large group of direct debit originators there. We continue to be part of that and will continue to engage.