Ms Elizabeth Arnett:

Yes. Before we started writing and before we started the choose, move, close campaign in April, we did a refresh on all our customer data to fill any gaps. Over the six-month period, a number of correspondences were sent to customers. If correspondence was returned, we have taken those customers aside and done an investigation or a track-and-trace exercise to try to identify where they are now. We have not continued to write to the same address when we know a customer is not there. Cheques do not go to addresses where we are aware the customer does not reside there any more and the cheque would not go to the right person. When we identify an issue with where a customer is, we have been able to put that customer into a different category.

We are continuing to try to identify who they are, but I am sure there are some that we do not have that information for. The best information we have is the last address that they gave us.