(DIRT) deducted at a reduced rate. Note: this point may be incorrect as the legal SSA product was designed to have DIRT deducted at a lower rate. Budget legislation over the past number of years has brought the reduced DIRT rate up and the standard DIRT down to a point where they both currently meet i.e.: 20%. There was improper charging of interest or fees to some customers. (The bank has refunded all customers who the Inspectors alleged had been mischarged.) Following the Inspectors' report, the Director of Corporate Enforcement took disqualification proceedings against nine former NIB personnel, none of whom has been employed by NIB since the 1990s. Changes under Danske On 1 March 2005, Danske formally took control of National Irish Bank. It announced as its first act that the Northern Bank and National Irish Bank would be fully separated from each other, with a new management team appointed to National Irish Bank. The bank changed over to the Danske Bank technology platform. The bank adopted the logo of Danske Bank, albeit with the word "Danske" replaced by "National Irish". The bank was formally relaunched on 18 April, with a new product offering, and a revamped internet banking system. Among the innovations is the use of text messages to communicate with customers. In June 2005, Andrew Healy was appointed chief executive officer of National Irish Bank. In January 2007, Danske Bank announced that the banking business of National Irish Bank Limited would be transferred to Danske Bank A/S, Irish Branch. The practical effect of this was that from 1 April 2007 National Irish Bank was no longer regulated by the Central Bank of Ireland but by the Danish Financial Services Authority, as NIB was now to be a division of Danske Bank rather than a separate subsidiary. In December 2009, National Irish Bank announced that it was launching a restructuring programme, this would involve closing 25 of its branches and also changing is banking model. Beginning in early 2010, National Irish Bank began moving away from a 'Cash Bank' to 'Cashless'. The first of these branches to go cashless were Malahide and Dun Laoghaire branches. By the middle of 2011 National Irish Bank became a completely cashless bank and no longer accepts cash for lodgments. The bank announced that they would be looking at possible third parties to accept cash lodgments. Further on from the announcement that National