Visa Debit Card. User Guide and Terms & Conditions

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1 Visa Debit Card User Guide and Terms & Conditions

2 Allied Irish Bank (GB) Visa Debit Card Guide Use your Current Account worldwide User guide and Terms & Conditions Applies from 27 September 2013 You can use the Visa Debit Card to pay for goods and services direct from your Current Account. You can use the card instead of cheques when shopping anywhere that displays the Visa sign and when buying by post, over the phone, or on the internet. You can also use your Visa Debit Card to withdraw cash at any cash machine displaying the Visa or Link sign, at home and abroad. The main benefits: You don t have to write cheques. You can use the card in more than 200 countries worldwide, wherever there s a Visa sign. The card acts as a Debit Card and a cash card. The money goes straight from your Current Account, so you always know how much you have in your account. You have the freedom to spend your money as you choose wherever you choose. 2

3 Using your VISA DEBIT CARD instead of cheques Trouble-free spending Worldwide You can use your Visa Debit Card anywhere you see the Visa sign, and that means in more than 24 million outlets worldwide. Simply hand over your card and enter your PIN (or sign the voucher you are given), and the payment will betaken directly from your Allied Irish Bank (GB) Current Account, just like a normal cheque. You will be given a copy of the receipt to keep both as proof of your purchase and to check against your bank statement. Using your Visa Debit Card instead of a cheque not only saves time, but also gives you more flexibility. As many shops and retailers no longer accept cheques as payment, it makes sense to use your Visa Debit Card for trouble-free shopping. Using your Visa Debit Card to buy items over the phone or by post Long-distance shopping made easy With the Visa Debit Card, you can buy a wide range of goods and services over the phone or by post. Just look for the Visa symbol, then quote your Visa Debit Card number, its expiry date and your name and address. If one of these types of transactions appears on your Current Account statement and you are sure that they are not yours, please let your branch know as soon as possible. Using your Visa Debit Card Online You can use your Visa Debit Card to shop online, but please remember that some websites charge for simply visiting them. Once you give your number, you will have to pay their fee. If Internet Transactions appear on your statement and you are sure that they are not yours, contact your local branch as soon as possible. Chip and Signature Visa Debit Card For customers who have difficulty using a PIN, we can offer a Chip and Signature Visa Debit Card. When you buy goods in a shop, you will not have to enter your PIN on the terminal. Instead, the assistant will print a receipt for you to sign and this signature will then be compared to the signature on the back of your card. All other transactions, such as online and mail order, will be carried out in the same way as the Visa Debit Card. For more information or to ask for a Chip and Signature Visa Debit Card, please contact your branch. Security code For security purposes, when you are buying something over the phone or on the internet you may be asked for your security code. This is the last three digits of the number printed on or beside the signature panel on the back of your card. You can quote this number if you are asked to, but you should never tell anyone else your PIN. Cancelling subscriptions If you have continuous payment instructions (also known as Recurring Payment Transactions ) on your account (such as an internet or magazine subscription) and you want to cancel them, you must write to the company you are making the payment to. You must also keep a copy of the letter. Using your Visa Debit Card to withdraw cash From cash machines As long as you have enough money in your account, (up to the balance of your account or overdraft limit) you can withdraw up to 500 a day at any UK bank displaying the LINK sign. You will not have to pay a fee for withdrawing money, but your standard Current Account fees will apply. If you withdraw cash from non- LINK cash machines in the UK, you will have to pay a handling fee of 1.5% of the amount you are withdrawing (which will go to the cash machine operator). When you make a withdrawal you should be told how much these fees are and be given the choice of cancelling the transaction. (You can recognise a LINK cash machine by the red and blue LINK logo displayed near the cash machine screen.) At a bank You can use your Visa Debit Card to withdraw cash at any of our branches or any bank in the UK or abroad that displays the Visa sign. If you withdraw cash over the counter at any bank other than Allied Irish Bank (GB), a handling fee of 1.5% of the amount you withdraw will apply. Simply hand over your card, enter your PIN (or sign the voucher) and the amount will be taken from your Allied Irish Bank (GB) Current Account. Using your Visa Debit Card to buy foreign currency or travellers cheques in the UK. If you use your Visa Debit Card to buy foreign currency at any Allied Irish Bank (GB) branch, there will be no charge for this service. Using your Debit Card to buy foreign currency, travellers cheques or other foreign currency facilities e.g. a cash passport from travel agents, Bureau de Change and other banks and outlets, will incur a 1.5% handling fee. Using your Visa Debit Card abroad Taking your Current Account with you Carrying your Visa Debit Card means you can use your Current Account in over 200 countries without having to make any special arrangements beforehand. As long as there s enough money in your account you can pay for goods and services with your Visa Debit Card at any of the 24 million outlets worldwide. The amount of any Non Sterling Transaction will be converted at the rate of exchange applied on the date the transaction is debited to your account in accordance with the procedures of Visa and accordingly the date of conversion may not be the date of the transaction. We have no control over the date the transaction will actually be processed by Visa. For transactions within the EEA we can provide you with an indicative rate of exchange on the day of transaction if you contact our free phone Helpline service (some mobile phone providers may charge for calls to this 3

4 number). This may not be the actual rate that will be applied as exchange rates may fluctuate between the date of a transaction and the date on which the transaction amount is debited to your Current Account. The exchange rate also includes a 2.75% conversion fee. Currency Conversion When you are using your card abroad, some cash machines, retailers and hotels may offer you the facility to pay in pounds sterling rather than in the local currency. However, if you choose to pay in pounds sterling, the retailer will apply a local exchange rate to the transaction which is currently outside our control. If you pay in the local currency, we will apply the exchange rate to the transaction. Withdrawing money from other cash machines in Europe and the rest of the world You can use your Visa Debit Card to withdraw euros from AIB Group cash machines and Ulster Bank cash machines in the Republic of Ireland. The amount will be converted at an exchange rate set by AIB Bank. You can also use your Visa Debit Card to withdraw up to 500 per day in local currency at cash machines displaying the Visa logo. You will have to pay a currency conversion fee of 2.75% and (except if you are withdrawing euros), a handling fee of 1.5%, which will be charged separately. You may also be charged a transaction fee by the local cash machine operator to processes the transaction. Changing your PIN You can change the personal identification number (PIN) we originally sent with your card at any UK cash machine displaying the LINK sign. Simply insert your card, choose the PIN select function on the menu and follow the onscreen instructions. Remember to be careful when choosing your new PIN and do not write it down in a way which may lead someone else to recognise it as your PIN. Keeping track of your spending - One statement says it all Having a Visa Debit Card makes it easy for you to keep a record of your spending, because all payments are made direct from your Allied Irish Bank (GB) Current Account That means your normal bank statement will always show exactly how much you have spent and when you have spent it, anywhere in the world. If you use your card abroad information about the transaction such as the exchange rate and amount of any fee will appear on your statement. through your own carelessness. You should always take reasonable steps to keep your card safe and your PIN and other security information secret at all times. Sign your card as soon as you get it. You should use a ballpoint pen that cannot be rubbed out once you have written your signature. Do not allow anyone else to use your Visa Debit Card. Memorise your PIN and keep it secret. You should destroy the letter we sent you with your PIN details on it as soon as you receive it. Do not allow anyone else to use your PIN or other security information (see the note below). You should never write or record your PIN on your card, or anything you normally keep with or near it, or in any way which might be recognised as a PIN. We will never ask you for your PIN. If you are not sure about whether a caller is genuine or if you think they are acting suspiciously, take their details and call your branch. If your card is lost or stolen, or if you think it has been misused or that someone else may know your PIN, please tell any Allied Irish Bank (GB) branch or call (028) (24 hours a day). We will automatically replace the card and PIN. If you want to change your PIN, you can do so at any UK cash machine displaying the LINK sign once you receive your new card. If you are a member of a card protection company, they can contact us on your behalf if your card has been lost or stolen. If you shop online, sign up to the secure payment system Verified by Visa whenever you are given the option. This involves you registering a password with your card company, which you will then be asked for whenever you shop at an online retailer that uses the system. You should keep this password secret. (See the section below Verified by Visa.) Keep your card receipts and other information about your account containing personal details (for example, statements) safe and get rid of them carefully. Take care when storing or getting rid of information about your accounts. People who commit fraud use many methods such as bin raiding to get this type of information. You should take simple steps such as shredding printed material. Be aware that your post can be valuable information if it gets into the wrong hands. If you fail to receive a bank statement, card statement or any other financial information you are expecting, contact us. You will find the APACS website a helpful guide on what to do if you suspect card fraud. Note: By other security information, we mean personal facts and information (in an order which only you know) we use to check your identity. Keeping your Visa Debit Card safe Prevent fraud, protect yourself Use this checklist to help keep your Visa Debit Card safe. Remember, you may be held liable for any losses you cause 4

5 Verified by Visa Verified by Visa is a way of increasing security for Online Transactions using your Visa Debit Card. It may also reduce the chances of people using your financial details to commit fraud. 1. When you shop online with retailers who take part in the Verified by Visa scheme, you will be asked to register for this secure service. You can choose to ignore this request to register only once, but on the second occasion you must register. If you do not, you will not be able to make or complete transactions with any retailers taking part in the scheme. So, it makes sense to register as soon as possible. You can also sign up at the personal finance section of our website and get set up straight away. 2. When you register online, you will be asked for your card number and four other pieces of information your date of birth, your postcode, your card s expiry date and the last three digits of the number on the back of your card (also known as your CVV or security code ). 3. You will also be asked to set up a unique personal message. The personal message is a statement (six to 30 numbers or letters long) you choose when you register. This statement should be personal to you, but not secret. Each time we give you a Verified by Visa receipt, you should look for the personal message this proves that it is a genuine Allied Irish Bank (GB) receipt. Your personal message cannot be the same as your password. You must keep your password secret, while the personal message is openly displayed on the receipt. 4. Every time you shop online with retailers who are taking part in Verified by Visa, a pop-up message branded Allied Irish Bank (GB) and Verified by Visa will appear and ask you for your password. 5. This service also allows you to see a history of all your Online Transactions that have been authorised and proven to be genuine, so you will always know what you bought and when. It only takes a moment or two, and it s for your own protection so that you can feel secure whenever you do your online shopping. It s the most secure solution for Internet shopping on the market. If you have any questions about this service, you can call us on (9am to 5pm, Monday to Friday), and we will be happy to talk you through the process. Certain retailers will not be taking part in the scheme. If you choose to shop with them, you can follow normal online procedures. and other Current Account charges, please read our Charges Explained brochures. Other Information Complaints We have a formal complaints procedure. If you want to make a complaint, you can do so by contacting the staff at your local branch or by phoning Customer Care on For more information about making a complaint, read our How does our Service measure up? brochure, which you can get from any branch. We record all complaints on our complaints management system and monitor their progress to the end. This is in line with the requirements of the Financial Conduct Authority and the Financial Ombudsman Service. The Bank is a member of the Financial Ombudsman Service. If you are still not satisfied after following the Bank s procedures, you can ask the ombudsman to review the complaint. You can find out more about the Financial Ombudsman Service in a leaflet available from any branch. Alternatively you can write to Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9GE or telephone , from outside the UK financial-ombudsman.org.uk Contacting us You can contact us through your branch, by and by phone (as set out in your Terms & Conditions and in our How Does Our Service Measure Up? brochure), and through our different Helplines (for example, Online Banking). If your Card or any other security feature of the Card is lost or stolen or has fallen into the hands of someone who may use it to commit fraud, please contact us immediately on 0044 (028) A Customer Service Advisor is available 24 hours a day. You can also contact us by writing to our head office at 4 Tenterden Street, London W1S ITE. Important Information Whether we issue you with a Visa Debit Card depends on your financial circumstances. You must be 18 or over. Visa Debit Card Transactions will be taken from your Allied Irish Bank (GB) Current Account. Please refer to our Terms & Conditions applying to your Current Account. For full details of the charges for making transactions on your Current Account with your Visa Debit Card 5

6 Terms & Conditions Terms & Conditions effective from 27 September These Terms & Conditions should be read in conjunction with the Terms & Conditions applying to your Current Account. In the event of a conflict, the Terms & Conditions applying to your Current Account will take precedence. These conditions apply to the agreement (referred to as this agreement ) between you and AIB Group (UK) p.l.c., trading as Allied Irish Bank (GB), its successors and assigns (referred to throughout these Terms & Conditions as we, us and our ) for using any Allied Irish Bank (GB) Visa Debit Card. AIB Group is made up of Allied Irish Banks p.l.c., its subsidiaries and associated companies, including AIB Group (UK) p.l.c. As the account holder, you agree to be bound by these Terms & Conditions. We will give you a copy of these Terms & Conditions when you open an account. You can also get a copy from your branch. Definitions Within these Terms & Conditions, some words have special meanings. Account means the personal Current Account you hold with us, which you can use with your Allied Irish Bank (GB) Visa Debit Card. Agreed overdraft limit means an overdraft amount we have agreed with you. Authorisation means our confirmation to a bank or any outlet that they can accept your Card for a transaction. Card means any Allied Irish Bank (GB) Visa Debit Card we give you. Card number means the number on the front of the Card. Card Transaction means using your Card or Card number to withdraw cash, make a payment or use any service. Cash machine means any automated teller machine which is capable of dispensing cash or providing other services associated with an Allied Irish Bank (GB) Visa Debit Card. Charges Explained brochures means the published list of our Fees and Charges. These brochures are available at all our branches and also on our website at You can also call our Helpline on Freephone (some mobile phone providers may charge for calls to this number). Chip means an integrated circuit used in a payment Card. It is the gold square under the Allied Irish Bank (GB) logo on your Visa Debit Card. Contactless Transaction means a transaction that is carried out by holding your Card, if it is enabled to effect contactless transactions, near a terminal which is enabled to accept contactless transactions. You will not need to use your PIN for a contactless transaction. Continuous Payment Authority is where you have entered into an Agreement with a company or service provider for them to take repeated payments from your Account. Helpline means our Freephone service on Jointly and severally bound means that if you have a joint account, the Terms & Conditions will apply to all of you together as well as to each of you separately. Liable means to be held legally responsible. Outlet means any business or individual who accepts a Visa Debit Card as a method of payment. Payment Service means a cash deposit or withdrawal, an electronic payment (for example a direct debit, standing order, credit transfer, Debit Card or Credit Card Transaction) or a transaction carried out through our Online or Phoneline Banking services. Payment Service Provider means any organisation that offers any payment services to customers. For the purposes of this document the payment service provider is us AIB Group (UK) p.l.c., trading as Allied Irish Bank (GB). PIN stands for personal identification number and means any number we give you, or any number that you later choose, to use with your Card. You must keep this number secret. Recurring Payment Transactions is where you have entered into an Agreement with a company or service provider for them to take repeated payments from your Account. Security code means the last three digits of the number which appears on or next to the signature panel on the back of your Visa Debit Card. Transaction means getting cash, or paying for anything using your Card, Card number, PIN or any other service you get with your Card. Unauthorised payment means a payment which has been made without your permission and which may be considered as fraudulent. Validity period means the time during which you can use your Visa Debit Card. This period starts on the first day you receive your card and ends on the last day of the EXPIRES END month. Visa Debit Card means any Allied Irish Bank (GB) card we give you. Visa Debit Card number means the number on the front of your Allied Irish Bank (GB) Visa Debit Card. Website refers to our internet site, Your branch means the Allied Irish Bank (GB) branch you hold your account with. 1. Looking after your card and PIN 1.1 For a list of services and limits that apply to your card you should refer to the relevant section of your Visa Debit Card guide brochure. 1.2 You should sign your Card as soon as you receive it. You should take all reasonable steps to keep your Card safe and your PIN and other security information secret at all times. 6

7 You should tell us immediately if you change your address. The Card will be our property at all times. 1.3 You must not let anybody else use your Card, PIN or other security information. 1.4 You must not tell anyone your Card number, except when carrying out a transaction or if you are reporting that the Card is lost, stolen or likely to be misused. If you want to, you can register your Card and its number (but not your PIN) with a recognised card-protection company. 1.5 We will send you your PIN in a sealed document which you should open immediately and destroy as soon as you have memorised the number. You can also change your PIN at any UK cash machine displaying the LINK sign. You must never tell anyone your PIN. You should never write down or record your PIN on your Card (or anything you normally keep with or near it) in any way which might be recognised as a PIN. 2 If your Card is lost or misused 2.1 If you think someone else knows your PIN, or if your Card is lost, stolen or likely to be misused, you must tell us as soon as possible. Call (24 hours a day), write to Allied Irish Bank (GB), Card Services, PO Box 333, Belfast, BT1 5HG, or contact any of our branches. If you contact us first by phone to tell us that your Card is lost or stolen, you must confirm this within seven days by writing to the branch you have an account with or to the above address. 2.2 If you have registered your Card with a card-protection company, we will accept notice from them if your Card has been lost or stolen. 2.3 If someone else uses your Card before you tell us it has been lost or stolen or that someone else knows your PIN, the most you will have to pay is 50, unless you have acted fraudulently or without reasonable care. 2.4 If any Card we have issued you with is lost or misused, we expect you to co-operate with us and the police in any investigation. 2.5 Unless we can show that you have acted fraudulently or without reasonable care, we will refund you the amount of any transaction, interest and charges: a) if you have not received your Card and someone else misuses it; or b) for all transactions not authorised by you after you have told us that your Card has been lost or stolen or that someone else knows your PIN; or c) if someone else uses your Card details without your per mission and your Card has not been lost or stolen. 2.6 Once you have reported your Card as being lost, stolen or likely to be misused, it cannot be used again. If you later find your Card, you must destroy it by cutting through the chip and return the Card to us as soon as you can. 2.7 If you act fraudulently, you will be liable for all losses. If you act without reasonable care and you cause losses as a result, you may be liable for them. This may apply if you fail to keep to any of the conditions set out in section 1, Looking after your Card and PIN. 3 Using your Card 3.1 You must only use your Visa Debit Card in line with these Terms & Conditions. 3.2 You can use the Card Transaction facilities we provide to use your Card and PIN to make payments to and from your Account. 3.3 You can use your Card only within the validity period shown on it. 3.4 If your Card is enabled to effect Contactless Transactions, you can use the Card to make purchases for small amounts without using the Chip and PIN. When making a payment using a contactless enabled Card you must place your Card against the reader in the retail outlet. The card will be detected and the payment is completed without you entering your PIN. Occasionally, for your security, you may also be asked to enter your PIN, so as to verify your identity. There is a limit on the value of each Contactless Transaction set by the scheme. Full details of this limit can be found at any Allied Irish Bank (GB) branch. We may place limits and restrictions on transactions and these may be changed or varied at our discretion. 3.5 A Visa Debit Card does not give you an overdraft or any other form of credit, so you must apply for these in the normal way. If you already have an agreed overdraft, you can use your Card to make withdrawals, but you must not go over your agreed overdraft limit. If, by using your Card, you go overdrawn and you do not have an agreed overdraft or you go over the agreed overdraft limit and we have not given you permission to do so, you must immediately pay back the amount by which you have gone over the limit. We will charge you interest on the amount you have gone overdrawn, or the amount you have gone over the agreed overdraft limit, at our unauthorised overdraft interest rate. You will also have to pay any other bank charges that apply. You can find details of our unauthorised overdraft interest rate and charges in our Charges Explained brochures which you can get from any of our branches. 3.6 When necessary, we may give you a new or replacement Card or PIN. However, we will not issue any more Cards on your Account if you tell us in writing not to do so. 4 Card Transactions 4.1 You cannot stop or reverse a transaction you have made using your Card once the transaction has been completed (whether or not you have entered a PIN or signed a voucher or by way of Contactless Transaction) as we guarantee the payment. If you have Recurring Transactions (also known as Continuous Payment Authorities ) set up on your Visa Debit Card (such as Internet or magazine subscription) and you wish to cancel them, you can do so by contacting us up to the last business day before the payment is due to leave your Account. You should also contact the company or service provider to advise them that you are cancelling the Recurring Transaction. 7

8 4.2 Transactions may take a number of days to appear on your statement. If there are any mistakes on your statement or you have any questions about the information on it, you should contact us as soon as possible. 4.3 You are liable (except as mentioned in section 2, If your card is lost or misused ) for paying: a) all transactions; b) all interest and charges as mentioned in these Terms & Conditions and the Charges Explained brochure and; c) all losses and reasonable costs which we have to pay as a result of you breaking this agreement. 4.4 When you use your Visa Debit Card to withdraw cash or to carry out any transaction in a currency other than sterling, you will have to pay an extra transaction charge. You can get details about how we apply these charges from the relevant sections in this User Guide or our Charges Explained brochure which you can get in any of our branches and on our website. You can also call our Helpline. 4.5 The available balance on your account may reflect: a) any authorisation we have given for a transaction which has already been carried out but has not yet appeared on your statement; or b) any authorisation we have given for a transaction which has not yet been carried out but for which we have been asked to authorise an estimated amount. 4.6 Once a Card Transaction has been entered on your Account; both you and we will be bound by that transaction, unless the details of it are proved to be incorrect. If we think you have acted fraudulently or without reasonable care, it will be our responsibility to prove it. We must also prove that you have received your Card if there is any dispute about this. If you have any questions about Card Transactions on your Account, you should contact us as soon as possible and in any case no later than 13 months after the date of the transaction. 4.7 If the Account is in joint names and we issue Cards for that Account, you and all the other Account Holders will be jointly and severally bound by these conditions. Whether you receive a card yourself or not, you must keep to all these conditions and make sure that you pay in full any money you owe to us. If one of you gives us an instruction about the card, we may act on it even if the other account holders do not agree. 4.8 To reduce the risk of fraud on your Allied Irish Bank (GB) Visa Debit Card and for your added security, you must register for the Verified by Visa scheme when you use your Card to shop online at retailers who are taking part in the scheme. You can choose to ignore this request to register only once, but on the second occasion you must register. If you do not, you will not be able to make or complete transactions with any retailers taking part in the scheme. 5 Refunds (for more details please also see your Current Account Terms & Conditions) 5.1 If you are not happy with something you have paid for using your Card and the outlet agrees to give you a refund, they must issue a refund voucher. We will then process the voucher and credit the amount to your Account. We will not accept any other method of refund. Unless the law says otherwise, you cannot use a claim you have made against an outlet as a defence or claim against us. 5.2 We cannot be held responsible (whether or not you make or try to make a transaction) for: a) any other person failing, or taking longer than expected, to accept your Card or Card number; or b) the way in which any other person communicates that they failed or took longer than expected to accept your Card or Card Number, or refused to authorise a transaction. 6 Cancelling the Visa Debit Card We reserve the right at any time and without giving notice, to refuse authorisation for a transaction. We may also make this refusal public. We can also decide not to renew or replace the Card. We can also cancel the Visa Debit Card on your Account. If we decide to do this we will, wherever possible, give you at least two months notice in writing unless there are exceptional circumstances as follows: 1. Suspected unauthorised or fraudulent use of your Account or Visa Debit Card 2. To protect the security of the account or your Visa Debit Card 3. In the case of a Payment Service with a credit line, such as an overdraft, a significantly increased risk that you may be unable to fulfil your liability to pay. We will notify you either verbally or in writing when we have done this at the earliest opportunity and in any event no later than the end of the third Banking Day following the time of receipt of your instruction (unless it is unlawful for us to do so or would compromise our reasonable security measures). Following receipt of this notification you may contact us for details on how to rectify any errors. 4. If you are made bankrupt or you enter into a voluntary arrangement with your creditors. 5. If you can no longer manage your financial affairs or you die. 6. If you break any representations, warranties or statements you have made to us in connection with the account, or the information you have given us is not true in any material respect 7. If you repeatedly break these Terms & Conditions or breach them in a serious way. 8. If you break any other agreement with us 9. To allow us to keep to any law. 7 Ending this agreement 7.1 There is no minimum period for how long your agreement needs to be in force. It will continue to be in force until either you or we end it in line with these Terms & Conditions. 7.2 Unless we have agreed otherwise, you can end this 8

9 agreement by giving us reasonable notice. We may end this agreement by giving you at least two months notice in writing. If you or we end the agreement, you must, for security reasons, destroy all Visa Debit Cards you (or any other Account Holders) hold by cutting through the chip and return them to us immediately. 7.3 Whether you or we end this agreement, its terms will continue to apply until you have paid all the money you owe. 8 Extra conditions 8.1 We will not be liable if, despite all our efforts, we are prevented (directly or indirectly) from meeting any of our responsibilities under these Terms & Conditions because of: a) a fault which has happened in any system used to carry out a transaction; b) an industrial dispute (for example, a strike); or c) anything outside our or our agents or subcontractors control. 8.2 We will be liable for the amount of any transaction, plus any interest and charges, if there have been any faults with cash machines or other systems you have used and these were not obvious or displayed as a warning message or on a notice at the time you used the machine or other system. 8.3 If we send a written demand or notice in connection with your Account or Card by post to the last address you gave us, we will class this to have been properly served and received on the day that you should have received the envelope containing the demand or notice. 8.4 If we choose not to enforce any term, or we cannot enforce any term which applies to the Account, this will not affect our right to: a) enforce that term later; or b) enforce any of the other terms. 8.5 The laws of England and Wales apply to this agreement, and the courts of England and Wales will have exclusive jurisdiction over any dispute that may come about as a result of this agreement. 8.6 We have the right at all times to change and add to these Terms & Conditions as a result of: a) a change in the law, regulations or good practice; b) customer feedback; c) product development. If we want to make a change to your Terms & Conditions, we will let you know at least two months beforehand in writing (unless, by law or in line with regulations, we are able to give you shorter notice). Unless we hear otherwise from you during the notice period, we will assume that you are happy to accept the amended Terms & Conditions. If you are not happy, you have the right to end your agreement with us. At any time up to two months from the date of the notice, you can, without notice, switch your account or close it without having to pay any extra charges or interest for doing this. When you receive this notice, you can end the agreement in line with section 7, as long as you have paid all the amounts you owe. However, if you continue to hold your Account after this time, we will consider you to have accepted the relevant changes. 9

10 Allied Irish Bank (GB) Visa Debit Card application Bank Sort Code Account number (Please fill in all the white boxes in BLOCK CAPITALS and tick 3 where appropriate) Applicant 1 (Fill in if you are the only account holder or the first-named holder on a joint account) Title Home telephone number (including area code) Mr Mrs Ms Miss Other (please specify) Work telephone number (including area code) Forename(s) (in full) Surname Are you: (please tick) Single Married Separated Divorced Job title Yearly salary before tax Home address Widowed Do you: (please tick) own your own home? (but do not have a mortgage) rent your home from the Housing Executive? Other own your own home? (and have a mortgage) rent your home from a private landlord? Date of birth Postcode D D M M Y Y Living with parents? (please give details) Other? Employer s name and address Postcode Applicant 2 (Fill in if you are the second-named holder on a joint account.) Title Home telephone number (including area code) Mr Mrs Ms Miss Other (please specify) Work telephone number (including area code) Forename(s) (in full) Surname Are you: (please tick) Single Married Separated Divorced Job title Yearly salary before tax Home address Widowed Do you: (please tick) own your own home? (but do not have a mortgage) rent your home from the Housing Executive? Other own your own home? (and have a mortgage) rent your home from a private landlord? Date of birth Postcode D D M M Y Y Living with parents? (please give details) Other? Employer s name and address Postcode 10

11 Declaration Please issue me with a Debit Card to use on my account with you. I have read, accept and have received a copy of the Terms & Conditions relating to my account and my Visa Debit Card. I confirm that the information I have provided is true and correct. I understand that, once I have filled in this application, you do not have a duty to issue a Debit Card in my name and that you may refuse my application. Applicant 1 Applicant 2 Signature Signature Date Date Bank use only First applicant s card number Authorised signature Second applicant s card number Authorised signature Allied Irish Bank (GB) and Allied Irish Bank (GB) Savings Direct are trade marks used under licence by AIB Group (UK) p.l.c. (a wholly owned subsidiary of Allied Irish Banks, p.l.c.), incorporated in Northern Ireland. Registered Office 92 Ann Street, Belfast BT1 3HH. Registered Number NI Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 11

12 Information correct as at September 2014 Allied Irish Bank (GB) and Allied Irish Bank (GB) Savings Direct are trade marks used under licence by AIB Group (UK) p.l.c. (a wholly owned subsidiary of Allied Irish Banks, p.l.c.), incorporated in Northern Ireland. Registered Office 92 Ann Street, Belfast BT1 3HH. Registered Number NI Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority VIS 09/14

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