Mr. Oliver Gilvarry:

To refer back to the point the Deputy made around a person being at 9 km or 11 km distance from an ATM, that is where we looked at the local area deficiency, which is quite important. If a person is at the cusp, it gives that scope and ability for the local area deficiency to be utilised. It could relate to transport links or the demographics of an area. For example, in the west of Ireland there is a much older demographic than there is in other parts of the country and this relates to their ability to access cash and such. These are all criteria that will be taken into account with the local area deficiency.