The unnamed Bank Clerk at Denaro Nationwide Bank interrupted Fiz Stape to tell her of the latest offers on mortgages as she was withdrawing money from the deceased Joy Fishwick's account in April 2011.

Explaining that she didn't have time to stop and chat as she had to pick the children up from school, the clerk handed her leaflets and Fiz, relieved that she hadn't aroused suspicion, promptly left the branch.