The NAB Customer Support Group was set up by a small group of SMEs who's businesses have been crippled by long term fixed rates adopted through Clydesdale and Yorkshire Bank's Tailored Business Loans containing embedded swaps. Our membership is growing daily. Many of the businesses have closed down but most are struggling to survive, burdened by unmanageable interest rates, unable to exit the arrangement due to extortionate breakage penalties of between 20% and 40% of the loan, arising from the bank's signing of an Interest Rate Swap Agreement (IRSA) with a third party. The uncontrolled promotion of these products, driven by commissions, has caused enormous damage to the economy, especially in Scotland, and is a significant contributing factor towards the present economic crisis. The group's objective is to bring the bank to account for the damage it has caused and to persuade or force the bank to apply satisfactory redress to all affected SMEs.