3 4 CHAIRMAN: Good morning, Mr. Murphy. 5 - The Tribunal of ...

9714:48:131 Q. 561 There were a number of accounts that would just have two letters on the title,2 is that correct?3 A. It would have been as a matter of courtesy to the customer at the time that the4 branch to fill out the application for them, so it would have been a question14:48:245 answer situation.6 Q. 562 So you would have filled out just what they asked you to put down?7 A. Yeah.8 Q. 563 And the address there I think reads care of IPBS, I think that's 130 Drumcondra9 Road, Dublin 9, is that correct?14:48:3910 A. That would have been the address of the branch, yeah.11 Q. 564 And who would have filled in that address?12 A. That's my writing there.13 Q. 565 And would that have been at your own instigation or at the request of the14 customer?14:48:4915 A. It would have been at the request.16 Q. 566 And what would that mean if the postal address is that of the branch of the17 Irish Permanent?18 A. Normally it would mean that all correspondence in relation to the account would19 be sent to the branch, so it wouldn't have been sent to a home address or --14:49:0520 Q. 567 So if there was bank statements or interest certificates they would be retained21 at the branch, is that correct?22 A. Yeah.23 Q. 568 And I think you will see it's a little difficult to read just above the24 signature of Mr. Collins:14:49:1525 "I/we hereby declare that this investment is my/our own property and that it is26 not made by a nominee any other individual or company."27 A. Yeah.28 Q. 569 Did you understand at the time that Mr. Collins was the owner of the funds in29 this account that?14:49:3330 A. Would be my understanding, yeah.Premier Captioning & Realtime Limitedwww.pcr.ie Day 839