Finance committee  Thank you, MP McLeod. On the first question, I think you were saying default or delinquency. I can only comment on First West's experience. What I would share with you is that we are seeing historically low delinquency rates, significantly below what we've seen in the past. As

Finance committee  I'm going to pass the first question to Kendall, my colleague, to answer. He's the president of our Island Savings region, and I think he can give a good perspective.

Finance committee  Yes, I believe you were asking about access to liquidity. I can only comment based on First West. Certainly we were in a very strong liquidity position prior to the pandemic, so I'm not aware of the delay. I know we did access the programs for assistance as we moved forward in t

Finance committee  That's correct.

Finance committee  That's correct. I believe we have done five or six facilities of the co-lending program.

Finance committee  We have not launched HASCAP as of yet. We are in the final couple of days or perhaps week before we launch it to our members.

Finance committee  Yes, that's a great question, and I would say, hands down, the government programs certainly assisted our members. If I look at the number of members who take advantage of our CEBA program, we have completed, up to today, just under 3,600 CEBA loans, so we've been helping our mem

Finance committee  We actually had a very strong year last year, but certainly, as did other financial institutions, we did see an increase in our estimated credit losses. That's the ECL that we provision potential credit losses on for the future.

Finance committee  No, we've seen it improve since Q3 of last year.

Finance committee  Thank you, Mr. Chair and committee, for having us here today to speak on behalf of First West Credit Union and our efforts to support our members through COVID-19. As you've heard, my name is Shelley Besse and I'm the chief credit officer. With me is Kendall Gross. Kendall is th