(1 week, 1 day ago)
Commons Chamber
The Minister for the Armed Forces (Al Carns)
It is a pleasure to speak in Committee of the whole House on the Armed Forces Bill. I start by placing on the record my thanks to the members of the Select Committee on the Bill for their thorough and constructive consideration of the Bill, and their extensive special report.
There are a considerable number of amendments and new clauses before the Committee. I will speak first to the amendments in my name, and then I will focus principally on other amendments. I will endeavour to address as many of the new clauses as possible in my closing remarks, after listening to the points raised in the debate.
I apologise for interrupting so early, but before the Minister gets into his stride, I would like to place firmly on the record that we are debating legislation of material importance, relating to the care of our armed forces, and yet again, there is no Reform Member of Parliament present. Does the Minister agree that there is a massive irony here? These plastic patriots love to wrap themselves in the flag, but they cannot be bothered to turn up in Parliament to debate the fate of those who serve to defend it.
Order. Obviously interventions are taken by those who wish to take them, but we need to make sure that interventions and speeches stay within the scope of the debate.
Al Carns
I absolutely agree. I am a full patriot, and I support patriotism, but I make sure that I practise it. By not being here today, Reform Members are demonstrating that some individuals do not necessarily live up to those standards.
Government amendments 8 and 9 bring the Greater London Authority, combined authorities and combined county authorities within scope of the covenant duty, alongside the local authorities already listed in the Bill. These bodies exercise functions in policy areas covered by the Bill, and should therefore have regard to the armed forces covenant, just as other local authorities do. The amendments simply add those authorities to the list in clause 2; they do not create new functions or impose new outcomes. I remind the House that the new duty will expand the number of policy areas involved from three to 12, and there are already 14,400 covenant signatories, which is a prime example of patriotism across society today.
Jim Allister (North Antrim) (TUV)
The amendment to bring the Greater London Authority within scope of the covenant duty focuses my mind on the fact that this Bill applies the covenant to all local authorities in all parts of the United Kingdom, except the district councils in Northern Ireland. Why is it that the only councils excluded from the ambit of the covenant are in Northern Ireland? Why has the Minister not tabled an amendment—I have previously raised this with him—to include those councils?
Al Carns
I have continued to engage with the devolved Administrations on this matter. I strongly recommend that district councils buy into the covenant and abide by it, though there will be nuances in some cases on how the covenant is practised in Northern Ireland, as regards security arrangements relating to armed forces personnel and charities.
Government amendments 10 and 11 focus on defence housing. They extend the powers in clause 3 of the Bill, so that the Secretary of State and the defence housing service can acquire land through compulsory purchase not only in England and Wales, but also in Scotland and Northern Ireland. There are historical UK-wide powers, but they are not fit for purpose as modern powers of compulsory purchase. New powers are sought for this reason. Importantly, in the case of the defence housing service, these powers will be exercised only with the authorisation of the Secretary of State; that will ensure proper oversight and accountability.
Chris Vince (Harlow) (Lab/Co-op)
My hon. and gallant Friend is making an excellent speech. I apologise for intervening so early on, but I want to put on record my thanks to him for the work that he has done to support housing for veterans. I worked for a homeless charity in Harlow, where we had a number of veterans who needed this support. Does he recognise that as well as the massive upgrade that this Government are making to veterans’ housing, it is really important that we support veterans with their mental health, particularly those who have post-traumatic stress disorder, to ensure that they can continue their tenancies in the long term?
Al Carns
I thank my hon. Friend for his continued championing of veterans, cadets and all in his constituency. Recently, £12 million has gone into reducing the number of homeless veterans, and the Op Fortitude programme continues to run; it tries to get as many veterans into housing as possible.
Government amendments 51 and 54 ensure that Crown status is retained for defence housing and other critical property assets, in the event that they are built or bought by the defence housing service. This will ensure, for example, that service living accommodation remains outside the scope of housing and tenancy legislation that would otherwise apply.
Helena Dollimore (Hastings and Rye) (Lab/Co-op)
My hon. and gallant Friend is talking about the support that the Government are giving to veterans, and about improving their housing situation. In my constituency, the East Sussex Veterans’ Hub, which provides really valuable support for local veterans, has just received a grant of half a million pounds to scale up its work, and convert disused office block accommodation in Hastings town centre into supported accommodation for over 14 veterans, which is amazing. Will he join me in paying tribute to the work done by the East Sussex Veterans’ Hub, led by Bernard Stonestreet? May I extend an invitation to him to visit? He will be pleased to know that the hub has built a full-scale flight simulator that simulates Operation Black Buck, and I know that the veterans would be delighted to welcome him.
Al Carns
As an ex-Marine, I have never been known for flying, but I would love to visit East Sussex Veterans’ Hub. When I am going around the country, be it to Scotland, Northern Ireland, Wales or England, it always amazes me to find these little examples of pure community spirit that help our veterans out. Importantly, while the flight simulator may be fun, it also helps people to learn critical skills and get them back into work. I thank Bernard in particular for all his hard work. If I can come and visit, I most definitely will.
Government amendment 48 will ensure that the defence housing service provisions come into force on Royal Assent, so that there are no delays in standing up the service as early as April 2027. I remind the Committee that under defence housing strategy plans, nine in 10 defence houses will be modernised or upgraded for our family personnel—that is 40,000 across the entire estate. This is a once-in-a-generation opportunity, with over 10,000 defence houses being refurbished or replaced over that period.
I am sure the Minister will like to pay tribute to Alabaré, which does great work for service veterans in and around my constituency. However, will he ensure that we do not give the false impression that all veterans are homeless and have mental health problems? Nothing could be further from the truth. Happily, the great majority of people leaving our armed forces are well sorted in their life, and in robust mental health. That is important, since we need to attract people to join our armed forces and our reserve forces, not deter them or put them off.
Al Carns
I thank the right hon. Member for that really useful observation. First, I support the work going on in his constituency; Alabaré is doing an amazing job. I think it might have recently received some Valour funding for that—a programme through which we are really trying to change the initiative that we take in looking after veterans. On his second point, I am a firm believer that when people join the military, they contribute to the most important function of government, which is to protect our people and our nation. When they leave as veterans, they go on to contribute to the economy. Actually, a large percentage of them go on to thrive across all sectors of civilian society, and go above and beyond in what they deliver. There is a percentage who need help, and a smaller percentage who need lots of help. That is what we must focus on, and what Valour is there to do. I am sure that over the next couple of years, it will absolutely deliver and readjust our mechanisms for looking after veterans across society.
I turn to the service justice system. Government amendments 57, 59, 66 and 67 relate to the point raised by the director of service prosecutions to the Select Committee. They will ensure that service protection orders can be made by a service court in relation to a service offence, even if the person has left the armed forces.
Government amendments 80 and 84 will make provision for the post-service management of service stalking protection orders in Northern Ireland. They will ensure that such orders can be effectively recognised and enforced, once an individual leaves service. Government amendment 30 will provide for service restraining orders to be enforceable as equivalent orders in Scotland and Northern Ireland in certain circumstances.
New clause 4 will introduce a new power for service courts to make a service image deletion order. The new deletion order will enable the service courts to require offenders to delete and destroy any images or films in their possession or control that are connected with specific offences, and which depict a person in an intimate state. Government amendment 31 will remove the limitation of the powers to search and seize electronically tracked stolen goods without a warrant to relevant residential premises only, and instead applies the broader concept of “relevant premises”, which are any premises occupied or controlled by a person subject to service law, or a civilian subject to service discipline, but those premises need not necessarily be occupied as a residence.
It is worth the Committee noting that since 2021 we have created the defence serious crime command and a witness care unit. We are moving forward with the tri-service complaint system, and are putting in place the violence against women and girls taskforce to improve standards and the culture within defence.
I turn to Government amendments 33 and 34, which will make small but important changes to clause 25. The clause will require the Secretary of State to issue guidance to help a victim reach a view on their preferred jurisdiction. The Select Committee highlighted the importance of victims receiving information in an objective and impartial way, so that they have an informed view. The Government recognise that need, and amendment 33 reflects that. The amendment will also ensure that the needs of victims and the circumstances of the events are taken into account in providing that information, and that an appropriate record is kept of that information. Amendment 34 will add the Lord Advocate to the list of consultees. That will ensure that she is consulted when the Secretary of State issues or revises the new guidance.
Amendment 37 will extend the provision in clause 29 that requires a disclosure of spent cautions for the purpose of administrative action. Cautions are not issued in Scotland as in England and Wales. The amendment will mean that clause 29 applies to spent alternatives to prosecution issued under the Scottish justice system.
Ben Obese-Jecty (Huntingdon) (Con)
I welcome the introduction of the strategic reserve in the Bill, but I would like clarity on how it will be paid for. Will it be via separate funding or will it come from the money already allocated to pay for the active reserve in the MOD budget?
Al Carns
As the hon. Member will know, there is a multitude of different reserves in the system, with different liabilities, different pay and different pensions. Indeed, I have often described it as a spaghetti junction of different policies that have been layered on top of each other over the last 60 years. This is the first move to simplify that, as well as the funding mechanisms and recall processes for it. By removing the 18-year liability, we simplify it at 65 years, which creates our ability to zig-zag those roles within the military so that people can leave, rejoin and leave again depending on their personal circumstances and the liability available within the armed forces.
Mr Calvin Bailey (Leyton and Wanstead) (Lab)
This weekend, just over two years after leaving the military, I received my recall notification. I managed to update the details within it. At the same time, I was presented with nearly 60 pages-worth of forms to complete just to take on a reserve service commitment. Does my hon. and gallant Friend agree that there is still some way to go and that the amendments should perhaps speak of movement between reserve forces and regular forces, rather than the other way round?
Al Carns
That is one of the reasons for these amendments and other provisions in the Bill. In the past, personnel had to leave the regular forces to join the reserves and leave the reserves to join the regular forces. We want to create a seamless transition, which will reduce the 60 pages of administrative burden that my hon. Friend had to fill in to a much more seamless transition between regular and reserve services, mirroring other nations across the world that do it quite well.
We need a system that is fair and equitable and that does not discriminate against anyone who wishes to exercise that flexibility. It is worth noting what that will provide for the UK in the current geostrategic environment. It will likely take us from a strategic reserve of 95,000 that could be mobilised up to 150,000 over the next 10 years, which is a significant step forward.
All the other Government amendments tabled in my name are either consequential to the amendments I have just covered or are minor and technical, simply to improve the drafting of the Bill.
I turn to the Opposition amendments. On amendments 2, 3 and 4, I am aware that the Minister for Veterans and People recently met the right hon. Member for Rayleigh and Wickford (Mr Francois) and the hon. Member for Solihull West and Shirley (Dr Shastri-Hurst) to discuss the concerns behind them. We continue to work across Government on the best way to address those issues in practice. The better route is not a rigid statutory fix but practical improvements through existing systems. The statutory guidance on the covenant legal duty already gives public bodies a flexible framework to take account of the particular challenges service families face when on the move. Let me be clear: considering the statutory guidance supporting the duty is not optional; once it is in force, public bodies that are subject to the duty must have regard to it in their decision making and policy development.
Special educational needs, adoption and fostering, and NHS continuity are exceptionally important issues, but they are not well addressed through rigid legislation. The systems are different, the legal frameworks are different and the decisions involved often depend on professional judgment, safeguarding or clinical need. A blanket duty to transfer plans, arrangements or treatment automatically could create confusion, cut across devolved responsibilities and in some cases delay the support families need. Instead, our focus is on improving continuity in delivery so that service families get better support without unintended consequences.
Amendment 88 would require the Secretary of State to review current practices for communicating with former service personnel about their armed forces pension entitlements. The MOD maintains a comprehensive and ongoing programme of communication with both serving and former personnel, supported by established governance, regular data analysis and targeted engagement activity. The Department already monitors take-up and traces unclaimed entitlements 60 working days after pension due date. When a positive address is identified, individuals are contacted. That approach has resulted in over 10,000 pensions being brought into payment. Mandating a further statutory assessment would add process without delivering meaningful additional insight, diverting resource from delivery at a time when the focus is rightly on implementing pension remedies and strengthening frontline pension support.
Amendment 89 would require the Secretary of State to review current practices regarding the transfer of the medical records of armed forces personnel upon their transfer to the reserve forces. I reassure the Committee that no transfer of military healthcare records is needed when transferring from regular to reserve service because Defence continues to hold and manage healthcare records for reservists in the same electronic system, which will also be simplified by some of the reserve forces amendments I mentioned earlier. It is worth noting that we send out 425,000 quarterly digests to those receiving pensions across the system.
Amendment 90 seeks to make sure that all investigations and prosecutions of service persons for sexual offences and domestic abuse in the UK take place in a criminal justice system. Since the prosecutors’ protocols were published in 2023, there have been no cases where a victim wanted trial in the criminal justice system but the case was instead prosecuted in the service justice system. The amendment would, however, override the victim’s preference in cases where they would prefer the service justice system. That risks increasing the victim withdrawal rate in civilian police investigations which, for adult rape-flagged cases in 2024, was 59%, while the withdrawal rate for the Defence Serious Crime Command was 24%. Furthermore, the amendment could lead to the loss or erosion of golden hour evidence and the safeguarding of victims, as there is no duty on civilian police to accept the case. A case-by-case approach that takes into account the views of the victim is better. Clause 25 therefore strengthens the provision of information to victims when asked for their preferred jurisdiction. That will help prosecutors take into account the victim’s view when making a decision on jurisdiction.
Amendment 5 would extend eligibility to sit on a court martial board to retired officers. The Government do not consider the amendment to be necessary, nor do we believe that it would improve the current arrangements. First, there is no shortage of eligible board members. The court martial already draws from a broad and sufficient pool of eligible personnel. In 2025, for example, 447 service personnel were sworn for 263 trials, and there has been no difficulty in constituting boards. Secondly, it is important that board members bring current knowledge and practical experience of the latest single service policies, procedures, values and standards. An individual who has left service, even relatively recently, may no longer be sufficiently connected to the pace of change across the service. I recognise the valuable contribution that veterans continue to make, but service on a court martial board is not the appropriate means of drawing on that experience. It is also worth noting that, when we are court-martialling higher rank, there are over 331 one stars in the British military and therefore ample opportunity to sit on court martial boards.
Amendment 1 would ensure that persons undertaking vital civilian work are exempt from a recall order under new section 69A of the Reserve Forces Act 1996. Section 73 of the Reserve Forces Act already provides powers of exemption to recall. That existing provision allows the Defence Council, by regulations, to exempt individuals from or relax recall liability in total.
Amendment 6 aims to increase the readiness requirement for reservists in Army reserve group A from 180 days to 90 days. I reassure the Committee that all Army readiness levels are subject to annual review, and to effectively fulfil its obligations the Army must review and adjust readiness levels across all elements of its force, responding to the evolving demands of the nation. It is essential that defence maintains the necessary flexibility to respond swiftly and appropriately to changing threat levels. Embedding such provisions in primary legislation would impose rigid constraints, creating an obstacle rather than a suitable mechanism for setting and reviewing readiness levels.
Hopefully, I have given the necessary assurances, and I ask that the Opposition amendments be withdrawn.
Mr Martin, are you hoping to contribute today, or do we just have the pleasure of your company?
I entirely agree with my right hon. Friend. We would all like to know when we are going to have it, but the reason we do not have it is simple. It is not that the staff work has not been completed—it has. It is not that the programmes have not been costed—they have. The fundamental problem is that while Ministers say they are working flat out and knocking themselves out on it, and are reduced to euphemisms about how hard they are working, it was actually done months ago. The problem is that the Chancellor of the Exchequer adamantly refuses to sign it, because if she signed it, she would have to say how she is going to pay for it. That is why MOD Ministers are completely hide-bound: the Prime Minister will not force the Chancellor to sign the equipment plan for the armed forces of the United Kingdom. The delay is becoming a farce. Indeed, we are now being widely criticised by our international partners, including, just the other day, the chairman of the NATO Military Committee.
At Defence questions, the Secretary of State was adamant that the Prime Minister wanted the DIP published by the NATO summit. That raises two questions: which NATO summit, and which Prime Minister? Assuming he means the summit in Ankara on 7 to 8 July, this vital document will be delayed for yet another month. What is worse, last year there were £2.6 billion of in-year operational cuts to the defence budget, and this year there are £3.5 billion of in-year cuts.
We will press new clause 2 to force a vote on a backstop plan to produce the DIP, to remind His Majesty’s Treasury that the first duty of government, above all others, is the defence of the realm. We cannot defend the realm with a lot of bluster and an equipment plan that does not exist.
Al Carns
I thank all Members who have spoken today for their contributions and for upholding cross-party support for our armed forces. The Bill takes significant steps to improve the conditions of service life, and renews the contract between our nation and those who serve. It delivers on a manifesto promise to extend the armed forces covenant to every area of Government—from three to 12 policy areas. We will go further, backed by a £9 billion defence housing strategy, to build, renew and repair tens of thousands of military homes. We are modernising and improving victim support and ensuring that the service justice system can protect the victims of the most serious offences from further harm. We will expand the reserve pool by changing the maximum age limit at which some personnel can be recalled, so that we would, if needed, be able to call on some of the most experienced volunteer reservists. These are significant but necessary changes to boost preparedness in an era of ever-increasing threat.
I will now address some of the major issues highlighted in the debate, starting with new clause 5. I have served all over the world with Gurkhas, Fijians and broader Commonwealth troops. They serve our country, and they serve it with honour and courage. The very least we can do is help them and their dependants by scrapping visa fees after four years of service. This is not about politics or a difference of opinion; it is about language and bounding the commitment in legislation in the correct way.
There is already a settlement fee waiver in place for serving personnel, introduced in 2022, to recognise the burden of settlement fees at the point of discharge for those who have served for six or more years or been medically discharged due to their service. However, that fee waiver did not extend to dependants or recognise serving personnel who become eligible for settlement after four years of service. That is why this Government have committed to scrap visa fees for non UK veterans who have served for four years or more and their dependants, and Home Office and Ministry of Defence Ministers are working closely together to deliver it; my hon. Friend the Minister for Veterans and People met the relevant Home Office Minister just recently. We remain firmly committed to this manifesto pledge and will deliver it fully.
I understand the intention behind new clause 5 and the desire to make progress quickly. However, as drafted, it would not clearly achieve the intent set out in the explanatory statement, which appears to be narrower. While the explanatory statement refers to “spouses or children”, the new clause itself appears to waive fees for serving personnel, previously serving personnel and “their family members”, using broad and undefined categories that would create significant uncertainty and a lack of clarity about who precisely was within scope. It also contains no clear link to length of service or a time limit after discharge. Taken together, that risks creating a broader and unclear statutory entitlement with unintended consequences, rather than a targeted and coherent measure that families and dependants can easily understand.
In addition, section 68 of the Immigration Act 2014 provides that fee exceptions should be set out in secondary legislation. By introducing a fee exception into the 2014 Act, new clause 5 would cut across that existing statutory framework and reduce clarity in the fee structure by creating an alternative mechanism for controlling fees. The Government are committed to delivering the manifesto commitment in full, and it is important that Ministers retain the ability to determine the appropriate scope, eligibility and delivery approach so that it is implemented fairly.
Ben Obese-Jecty
I recognise that the Minister wants to deliver this manifesto commitment as much as I do. However, after two years we have made little progress, mostly due to the machinery of government within the Home Office. This new clause was tabled some time ago, and the Government have had ample opportunity to refine the detail of it in order to make it acceptable to be voted on this evening and passed by the Government. Why have the Government taken no steps to work with me to get this measure across the line, given that it is a manifesto pledge of the Government? Can he also give some indication of when the pledge will be delivered, if the Government choose wrongfully to vote against my new clause this evening?
Al Carns
We need to move this legislation forward in the right manner and as fast as possible. I recommend that the hon. Member continues to push this case. My hon. Friend the Minister for Veterans and People and I have heard him loud and clear, we have heard the armed forces community loud and clear, and we are committed to delivering this in line with the intent.
Al Carns
I will make some progress.
New clause 2 would require the Secretary of State to lay a defence investment plan before both Houses of Parliament. The Prime Minister has been very clear that the defence investment plan will be published before the NATO summit, and we are working hard to finalise it. I recommend that the right hon. Member for Rayleigh and Wickford (Mr Francois) reads the NAO report which says that when we came into government, we were left a huge deficit and 47 out of 49 major programmes were not on budget or on time.
Lincoln Jopp
Have the Minister and the Veterans Minister now seen the defence investment plan?
Al Carns
I commend that fantastic question. Yes, I have seen the defence investment plan. Importantly, we are primarily focused on learning the lessons from Ukraine and acting upon them—something that the last Government failed to do at the right scale, hence why I left the military.
New clauses 1 and 6 seek to exempt members of the reserve forces deployed on operations from the ECHR, and would require any future Secretary of State to consider whether to make a derogation under article 15. The UK has binding international obligations under the ECHR, including in limited extraterritorial circumstances where we exercise control over individuals or areas. Those obligations have implications for the way UK forces, including reserve forces, conduct UK operations. I will not shy away from the fact that we hold our armed forces to the very highest legal standards, and time and again they deliver.
New clause 1 seeks to change domestic law, but it would not remove our international obligations. The UK cannot opt out on a case-by-case basis; doing so would simply shift cases to Strasbourg. New clause 6 is also unnecessary as the Secretary of State can already derogate under article 15 of the ECHR. I will read that again: new clause 6 is also unnecessary as the Secretary of State can already derogate under article 15 of the ECHR, meaning that the provision does not provide them with any additional powers. I do not want to be in the same club as Belarus or Russia.
Ukraine has derogated from the ECHR. Does that put it in the same bracket as Belarus and Russia?
Al Carns
I remind Conservative Members that clause 12 of the Overseas Operations (Service Personnel and Veterans) Bill, introduced by the previous Government, would have required any future Secretary of State to consider whether to make a derogation under article 15 in relation to significant overseas operations. The previous Government removed elements of clause 12 during the Bill’s final stages, because concerns were raised that the provision risked damaging the UK’s reputation for upholding the rule of law and being committed to human rights. It was the previous Government who did that. Clause 12 was also seen as unnecessary in that the Government can already derogate under article 15 of the ECHR, meaning that the provision did not add any additional legal powers.
New clause 3 seeks to place a requirement on the Secretary of State to appoint a national veterans commissioner for England, and it sets out the functions for the proposed office holder. I acknowledge the sentiment behind the new clause, which is to ensure that those who have served receive the recognition and support they deserve. The Veterans Commissioners for Scotland, Northern Ireland and Wales are not statutory offices, so such a role would not in itself require legislation. We are putting in place the Valour programme, which will first look at digital. There will be a Valour lead and a digital headquarters, and there will then be Valour officers and centres. Once that is in place, we will need to consider whether we need a veterans commissioner for England, how that docks into the Valour programme, and how it docks into the Veterans Commissioners in Northern Ireland, Wales and Scotland. We will update the House in due course once that is in place.
On new clause 5, we do not yet have the date for the second day on this Bill for Report and Third Reading, but it seems likely that it will be before the summer recess on 16 July. Taking the Minister at his word, and knowing where his heart lies on this issue, will he give the House an assurance that when we get that second day—whenever it is—and we table a similar amendment on Report, he will be able to come back to us with some progress, including with the Home Office?
Al Carns
We will provide an update on progress once we have spoken to the Home Office and when the Bill comes back to the House.
My hon. Friend the Member for Slough (Mr Dhesi), who makes fantastic efforts with the Defence Committee, highlighted the binding commitment across Whitehall Departments that the covenant will be expanded from three to 12 different policy areas. That is a fantastic move for the armed forces community, and it places a duty of care on Government to consider the armed forces in almost everything we do.
The hon. Member for Lewes (James MacCleary) highlighted recruitment and retention. I remind him that we have seen a 12% increase in recruitment and a 9% decrease in outflow. We have put in retention payments for critical roles and made two inflation-busting pay rises. Morale is up and satisfaction with housing is up, as indeed is satisfaction with pay.
When it comes to using the civilian justice system or the service justice system, the onus must be on giving the victim the choice over their preference—that has come through time and again. The Atherton report was in 2021, and a huge amount of change has been put in place. I have spoken to a variety of different individuals across defence, and they always return to ensuring that there is preference at the point of choice.
Al Carns
No, I will make some progress.
The advocacy of my hon. Friend the Member for Leyton and Wanstead (Mr Bailey) and his support for the armed forces has been remarkable. The Minister for Veterans and People has met Ministers from the Department for Education and the Home Office to discuss both the points that my hon. Friend raised. His support for the covenant, and for ensuring that other Government Departments abide with it, is essential.
I assure my hon. Friend the Member for Truro and Falmouth (Jayne Kirkham) that we will bring the language up to date to reflect the unitary and single authorities. I thank her for her support in ensuring that the RFA comes under the Armed Forces Commissioner. That was truly outstanding work. I also remind the House that the credit union service for the participation of service personnel and MOD civil servants celebrated its 10-year anniversary last year—so the offer to take part in the credit union service is already there.
I call Ben Obese-Jecty to move new clause 5 formally.