Business Start-Up Package

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1 Business Start-Up Package Ireland s Enterprise Bank

2 Everything you need to help your business start and grow When it comes to starting a business, you have a number of decisions to make. One of the most important is choosing the right bank. Starting a business can be complex, so choosing the right bank is essential if your business is going to get the products and services it needs to thrive in a competitive market. You need a bank that provides vital support in areas where you need it most and has expertise in a number of business sectors. We are there for you every step of the way with a friendly face to talk to whenever you need it. At Bank of Ireland, we believe our Business Start-Up Package will give your business everything it needs to start and grow. From day-to-day banking to online services, from competitive loans to credit cards, the Business Start-Up Package comprehensively covers your business. We ve even partnered with professional associations to offer you that little bit extra. So, whether you re embarking on the journey today, or have set up a business within the last 2 years, as a Bank of Ireland business customer you are entitled to avail of our Business Start-Up Package which includes: A range of products and services Business Current Account Business On Line Business Deposit options Visa Business Card Flexible finance options Access to online supports Exclusive partner offers

3 Taking care of your business, everyday Day-to-day banking We have a range of products and services that help you run your business easily, giving you more time to do what you do best - run your business. 1. Business Start-Up Current Account Our Business Start-Up Current Account helps to make running your business easier. You can make and receive payments, track your transactions and manage your business cash flow, giving you total control over your business finances. As a start-up customer you ll get a host of benefits for 1 year, including: No account maintenance or transaction fees No overdraft facility fee Free set-up of new standing orders and direct debits Free standing order amendments Free stop payment instructions Free unpaid cheques/direct debits inwards Free Businesscheck carbonised cheque book (Government Duty applies) Free replacement card charges (ATM/Debit card) (Government Duty applies) All other fees and charges will apply to your account at standard rates including non-euro ATM and Debit (point of sale) transactions undertaken in countries outside the EU, Iceland, Liechtenstein or Norway. Please refer to our Schedule of Fees and Charges for Business Customers and our Schedule of International Transaction Charges for full details. Standard fees and charges, as outlined in the Schedule of Fees and Charges for Business Customers brochure (as may be amended from time to time), will apply at the end of the 1 year period.

4 2. Visa Business Debit The Visa Business Debit card allows you to access your Business Current Account wherever you are in the world. Visa Business Debit Cards can be used in over 200 countries in shops, at ATMs and online, wherever you see the Visa logo displayed. Worldwide Acceptance - You can use your Visa Business Debit Card to purchase goods online, over the phone or in shops. Plus, many retailers in Ireland offer Cash back when you use your Visa Business Debit card to pay for purchases so you can access money from your Business Current Account without queuing at the ATM giving you two transactions for the price of one. Contactless Payments - The Bank of Ireland Visa Business Debit Card will allow you make purchases up to 15 in seconds. Just hold your card over the Contactless reader and wait for the green light and your purchase is complete! Greater Protection A Visa Business Debit Card is a safer way to pay For example, you could get your money back if you do not receive goods or services purchased using your Visa Debit Card or your goods are damaged when they arrive. 3. Business On Line With Business On Line, you can control your account from wherever you want, whenever you want. As a new Business Start-Up customer, you won t have to pay Business On Line monthly subscription charges for the first year. You can use online banking to: View your account balances and transactions Transfer money or pay bills Make immediate or future dated payments to any company or individual Make international payments Search for or stop cheques View your credit card balance and transactions View your treasury deposit accounts To receive 1 year s free monthly subscription for Business On Line you will need to register on the day you open your Business Start Up account. This offer does not apply to existing Business On Line customers, multi-companies (company is within a group of companies) or Service Level 3 customers.

5 Business On Line transaction fees and charges will apply. Standard Business On Line subscription charges will apply at the end of the 1 year period as outlined in the Business On Line brochure (as may be amended from time to time). To find out how you can sign up for Business On Line call or 4. Business Quick Lodge Our new Business Quick Lodge Card helps you to save time in your local branch by allowing you to deposit business cash and cheques using a special lodgement machine. The Business Quick Lodge Card uses a simple PIN to make it easy to lodge cash safely and conveniently. You can even let nominees, such as other staff members lodge your business cash, safe in the knowledge that no other sensitive information about the account is in other peoples hands. 5. Business Deposits We offer a range of business deposit options to suit your start up business from instant access to business notice accounts, and fixed term deposits over a range of terms. Your Relationship Manager can talk you through your options and find the right solution for your business. 6. Visa Business Card The Visa Business Card takes the hassle away from managing your business expenses and lets you make purchases wherever you see the Visa logo. As a new Business Start-Up customer, we ll waive the annual card fee of 31 for the first year. What s more, you can avail of comprehensive travel insurance for 90 days for you and up to three colleagues when you pay for at least 50% of your fare with your Visa Business Card. To apply for a Visa Business Card simply contact your local branch or log on to to download the application form, which, once completed, should be returned to your branch. Lending criteria, terms and conditions apply. An annual fee of 31 per card will apply after the first year. This offer does not apply to Gold Visa Business Cards. Government stamp duty of 30 per annum per card will apply. 7. Finance Whether you want to get new equipment, new vehicles or expand your business, getting the right finance is essential, and can come from a range of different sources, such as owner equity, bank finance, venture capital or grant funding.

6 We have developed a range of lending products which include overdrafts, short and long term loans and asset finance to meet your funding needs. Your Relationship Manager will talk to you about your finance and borrowing options to ensure you get the right solution for your business. Lending criteria, terms and conditions apply to all lending products. For details of applicable fees and charges, please refer to our Schedule of Fees and Charges for Business Customers, available at 8. Leasing and Hire Purchase Leasing and Hire Purchase are among the best ways to acquire new and upgraded equipment, plant, vehicles and technology without tying up working capital. As a new business start-up customer, you will be able to obtain a flexible repayment schedule to suit your cashflow on your first Leasing or Hire Purchase deal. We will also waive the Leasing or Hire Purchase set up fee on any new Leasing or Hire Purchase agreement over the one year period. Lending criteria, terms and conditions apply to Leasing and Hire Purchase. Please note: Leasing and Hire Purchase are unregulated activities. 9. Early Stage Seed Capital Bank of Ireland has a number of funds designed specifically to meet the needs of start-up or early stage businesses. The funds can be used for expansion, to introduce new innovations, fund research or acquire new technology. You can find out more about our 32m Seed and Early Stage Equity Fund which includes our 10m MedTech Accelerator fund by visiting Also, visit to find out about our 17m Start-Up and Emerging Sectors Equity Fund.

7 More solutions for your business The complete package As part of our commitment to providing better business banking for you, we have a number of other products to help your business thrive and grow. Insurance & Investments 1 As a start-up or growing company, you want to make sure you are looking after your business for now and the future. Bank of Ireland Life provide a number of solutions to help you and your key personnel, protect your assets, provide pensions and invest for the future. Bank of Ireland Life can: Provide financial protection for business owners in the event of illness, injury or death (protecting your income, your business, your properties and your family) Assist you and your employees make the most of generous tax reliefs available (up to 41% for employees) to contribute to a retirement fund Make your money work harder with a suite of investments from secure to the more ambitious growth options There are qualified Insurance & Investment Managers available in your local Bank of Ireland branch, who are on hand to provide quality advice to you and your business. International Trade Risk Management If there is an international aspect to your business either selling products abroad or sourcing materials, we can help you with a range of international payment options and currency accounts. More importantly, we can help you to manage the impact of trade risk or volatile foreign exchange movements on your cash flow and overall profitability. WARNING: THESE PRODUCTS CAN BE AFFECTED BY CHANGES IN CURRENCY EXCHANGE RATES.

8 Bank of Ireland goes the extra mile to help your business We do more for you We know that starting a business takes courage, commitment and dedication. That s why we are with you every step of the way and offer you a range of advice, support and initiatives to help your business. Online Supports We have a wealth of advice, support and guides on our business banking website, Here you can find a business cashflow planner, guide to writing your business plan, business banking podcasts plus much more. bankofireland.com/enterprise Online resource for your business Our community portal bankofireland.com/ enterprise is the award-winning hub of information and tools for business start-ups and entrepreneurs. The site hosts video interviews with industry experts and contains articles that are packed with advice on running and growing a business. It also has a great Online Tools section, where you can find a number of tools to help you run your business, including cashflow planning and e-learning guides that cover a range of topics from using social media in your business to accounting and project management essentials. The site is constantly being updated with new features and articles, so be sure to bookmark it and check back regularly. Bank of Ireland and Twitter have come together to provide educational content, marketing tips and best practice advice, developed in partnership with Twitter, to help SMEs grow online. To access this content go to bankofireland.com/twitter

9 Exclusive offers from business experts Partner Offers 2 We ve teamed up with a number of business and professional associations to offer you a range of services that will help you as you grow your business. These offers are available until 31 st December Free one hour consultation with a participating solicitor Free consultation with a solicitor where you will receive valuable legal advice from a participating solicitor. Free one hour consultation with a participating accountant We re offering a free one hour consultation with a participating account from the Association of Chartered Certified Accountants.

10 Talk to us today Drop in to your local branch today bankofireland.com/enterprise Notes 1. Revenue limits, terms and conditions apply. Life assurance premiums are subject to a Government levy (currently 1%). Tax relief for pensions is not automatically granted; you must apply to and satisfy Revenue requirements. 2. Bank of Ireland does not give any representations or warranties about the firms used in this scheme and does not accept any liability in respect of the advice or service provided in any circumstances. Where you are directed to a website not maintained by Bank of Ireland or any member of Bank of Ireland Group you are reminded that different terms and conditions of use will apply to you as a user of such a website. Bank of Ireland hereby disclaims any and all liability for the content of such website and any loss or damage of any nature suffered by you as a result of accessing or using such websites. The use of any such other websites referred to in this Business Start-Up Package is at your sole risk. In relation to the provision of the free one hour consultation with a participating accountant or solicitor the initial one hour consultation is free of charge. If you wish to engage further with these advisors that is a matter of agreement between you and the advisor.

11

12 Bank of Ireland is regulated by the Central Bank of Ireland. Bank of Ireland Life is a trading name of New Ireland Assurance Company plc. New Ireland Assurance Company plc trading as Bank of Ireland Life is regulated by the Central Bank of Ireland. Bank of Ireland Insurance & Investments Limited is regulated by the Central Bank of Ireland. Bank of Ireland Insurance & Investments Limited is a tied agent of New Ireland Assurance Company plc. Members of Bank of Ireland Group RU.19 (07/14)

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