15.—(1) If the bank intends to oppose an application, the bank or a director of the bank may (but need not) file a witness statement in opposition in court.
(2) A statement under paragraph (1) must be filed before the hearing of the application and a copy must be served on the applicant, before the hearing.
(3) The statement may be served on the applicant by personal service or by electronic means.
(4) The statement should also be sent to the persons in rule 10(1) before the hearing by personal service or by electronic means.
(5) The fact that the neither the bank nor its directors have filed a statement under this rule shall not prevent any of those persons or their legal representatives from being heard at the hearing.