Following discussions with the British Business Bank (BBB) – the body established by Government that manages the scheme – the bank decided it was appropriate to examine a sample of EFG customer files. This exercise identified a number of instances where we have not properly explained to customers how borrower and guarantor liabilities work under the EFG scheme. We will now be implementing a thorough and proactive review of affected and potentially affected customers to ensure they are put back in the position they believed they would have been in.