That is the handwritten note from the chief executive who has revealed how far the largest bank of Australia has sinked about is one element of profit.
And it could really cost millions of the Commonwealth Bank.
The Royal Banking Commission has heard that CommBank has known for many years that it sold customers' insurance policies but did nothing.
But despite the current ComBank, Matt Comyn was once responsible for the department that sold the financial products, he said he was actually trying to eat them. Whistleblowing his head by bus, Mr Comyn said his predecessor in the highest position, Ian Narev, had been overdue repeatedly. And he said he had the notes to prove.
The CBA may be able to compensate for more than half a million customers who sold the consumer credit insurance products.
CommBank already pays $ 46 million to 154,000 customers for misusing credit card insurance and loan protection.
An independent review in September raised concerns about the sales or value of consumer credit insurance products to 374,000 other customers.
Mr Comyn said that CommBank will extend its recovery program to cover those people if necessary, agreeing that they would have to compensate for a significant number of additional customers.
The Royal Commission has heard that CommBank knows about problems with a credit card product together with the risk of misleading its loan protection products in 2015.
He announced that he wished the credit card and personal loan policies – but kept home loan insurance – in March this year, a day before the affairs ended at a royal commission hearing.
Mr Comyn said he was trying to get rid of them three years earlier while the headquarters of the CBA retail banks, saying he was ready to get the bank of $ 150 million made each year by the consumer credit insurance products, which reported AAP.
The April 2015 audit revealed that 64,000 CBA customers were selling credit card insurance and more when they were unemployed and therefore ineligible to apply.
Mr Comyn said he had taken the matter to Mr Narev but after his argument "enthusiastically" argued, he was enforced during the May 2015 meeting.
He produced a handwritten note, shown to the commission and produced by the reporter of Fairfax. Under expressions such as "suspicious customer needs" and "poor pricing mechanism" Mr Comyn's line had been attributable to the CEO directly.
Mr Comyn's notes state that Mr Narev said that he "frightened your sense of justice" when he came to pick up the products. Few attention from the comment, Mr Comyn said he was taking that to mean "silence down".
"He was referring to him – I was passionate about following my treatment, I thought it was fine. And he told me to scare him."
Mr Comyn raised the issue again in 2016. "I was not persuasive enough," he said.
He admitted issues such as the sale of additional insurance and free service fee charges, which CBA pays $ 116 million in recovery, reveals the bank's short term profit that has been prioritized in front of customers.
"We did not prioritize sufficiently to customers," he said on Tuesday. "We did not understand the possibility of harm."
Mr Comyn stated that the CBA did not have the right leaders in the past. Did she do it now?
"We'll see," he said. "I'm hopeful. Yes."
Mr Comyn stated that the bank's culture must change and strike the right balance between delivering good customer results and delivering long-term sustainable returns to shareholders.