Benefits of the Visa Business Card 3. Summary Box 4. Additional benefits for Visa Business Gold Cardholders 5. AA Breakdown 6

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1 Visa Busiess Cards

2 ALLIED IRISH BANK (GB) VISA BUSINESS CARDS The Allied Irish Bak (GB) Visa Busiess Card provides a simple ad highly effective way for your busiess to moitor ad cotrol routie expeses ad is therefore ideal for all employees who icur busiess expeses. You ca choose betwee a Visa Busiess Card or a Visa Busiess Gold Card. Eligibility: Credit facilities are subject to appraisal by the Bak of the applicat s fiacial status ad their ability to repay. Applicats must be aged 18 or over ad must maitai their busiess Accout with a brach of Allied Irish Bak (GB). Full Terms & Coditios are available o request. Idex Beefits of the Visa Busiess Card 3 Summary Box 4 Additioal beefits for Visa Busiess Gold Cardholders 5 AA Breakdow 6 Allied Irish Bak (GB) Status Disclosure, Demads ad Needs 6 AA Breakdow Summary of Cover 6 Additioal iformatio 8 2

3 BENEFITS OF THE VISA BUSINESS CARD Simplicity ad cotrol You decide which of your employees will hold a Visa Busiess Card or Visa Busiess Gold Card ad choose the appropriate Credit Limit. The outstadig balace i each employee s Visa Busiess Card at each moth ed will be cleared by Direct Debit from your busiess s omiated Allied Irish Bak (GB) Accout. Cost effective ad coveiet Paymet by Visa Busiess Card for goods ad services elimiates the eed to settle ivoices for idividual purchases. A sigle mothly Direct Debit paymet for each employee s Trasactios meas o iterest ad o Trasactio charges. A detailed mothly statemet creates efficiecy ad less paperwork therefore simplifyig the recociliatio of expeses ad reducig admiistratio costs for your busiess. It is also cost effective for your busiess to order goods ad services from abroad usig your Visa Busiess Card as it reduces the requiremet to buy foreig currecy. Buyig goods ad services Visa Busiess Card allows you to book a broad rage of goods ad services without leavig your home or office. Whether dealig by post or telephoe simply give a accurate descriptio of your order ad the quote your Visa Busiess Card umber, its expiry date, your ame ad orgaisatio s address. You ca also use your Visa Busiess Card to shop o the Iteret, but it is worth rememberig that some websites charge simply for visitig them. Oce you disclose your umber, you will have to pay their fee. If Iteret or ay other Trasactios appear o your mothly statemet ad you are sure that you did ot make them, call us as soo as possible o (028) Statemets You will receive a mothly statemet for each employee showig details of all their idividual Trasactios carried out o their Visa Busiess Card sice the previous statemet date. I additio, you will also receive a summary statemet detailig the total amout of expeses icurred by each employee. Automatic settlemet of your Accout The full statemet balace o each employee s Visa Busiess Card Accout will be debited from your orgaisatio s omiated Allied Irish Bak (GB) Accout o a mothly basis, a few days after you receive your statemet. Trasactios i a foreig currecy will be coverted ito sterlig before appearig o your statemet. 24 hour service Our customer service staff are available 24 hours a day, seve days a week o (028) Emergecy services at home ad abroad Should your Card be lost or stole while you are at home or abroad, you ca cotact the VISA Travel Service Cetre. As part of our commitmet to our Cardholders, we will immediately replace your Card, ormally withi 48 hours. I most coutries you will have access to up to US$5,000 o a emergecy basis at ay bak displayig the VISA sig. You will of course be required to provide proof of idetificatio whe collectig a replacemet Card or moey. Ideal for busiess travel Your Visa Busiess Card is ideal for busiess travel ad ca be used at home or abroad to purchase goods ad services ad make cash withdrawals, elimiatig the eed to keep large amouts of cash o had. Your Visa Busiess Card is welcome at over 24 millio outlets worldwide. Cash Advaces ad Automated Teller Machie (ATM) facilities are available worldwide wherever you see the VISA logo. This saves you time ad moey i obtaiig foreig currecy ad elimiates the eed for cash floats. 3

4 SUMMARY BOX Allied Irish Bak (GB) Visa Busiess Card / Visa Busiess Gold Card The iformatio cotaied i this table summarises key product features ad is ot iteded to replace ay terms ad coditios APR* Visa Busiess Visa Gold Busiess Represetative 3.9% APR (variable) Represetative 12.0% APR (variable) Iterest chargig iformatio Miimum repaymet As the accout is settled i full by mothly Direct Debit o iterest will be charged. Each moth, o or before the Paymet Due Date, you must always pay the full outstadig balace as show o your mothly statemet. Credit Limit Miimum Credit Limit Visa Busiess 500 Visa Gold Busiess 5000 Maximum Credit Limit Subject to status Fees Visa Busiess 10 joiig fee 15 aual fee Visa Gold Busiess 25 joiig fee 50 aual fee Charges Cash Advaces 1.5% of the Trasactio amout Foreig currecy trasactios Copy of statemet Copy Voucher** 2.75% coversio fee of the value of the Trasactio per request 5.00 per copy Default charges Late Paymet A late fee of each time you do ot make the miimum paymet by the paymet due date. Over Limit Paymet Retured Writte Advice*** A Over Limit fee of will apply the first time your balace exceeds your credit limit i each statemet period. A Paymet Retured fee of where a cheque or Direct Debit has bee preseted for paymet ad retured by your Bak. A Writte Advice fee of each time we have to write to you about the usatisfactory coduct o your accout. *This is for illustrative purposes oly, please refer to the Stadard Europea Cosumer Credit Iformatio (SECCI) for further iformatio **This charge will be refuded for ay item queried, ad subsequetly foud to be icorrectly applied to your Accout. ***This fee will ot be charged if a Late Paymet or Paymet Retured fee has already bee charged to your Accout. 4

5 ADDITIONAL BENEFITS FOR VISA BUSINESS GOLD CARDHOLDERS As a Allied Irish Bak (GB) Visa Busiess Gold Cardholder, you will be etitled to the followig beefits: AA Membership Roadside Rescue Roadside Rescue, the AA s stadard level of cover, looks after you o the ope road. If your vehicle caot be repaired o the spot the AA will tow your vehicle to the earest garage free of charge. Home Start With the additio of Home Start cover you have all the beefits of Roadside Rescue right o your doorstep. You will receive your AA etitlemet card soo, together with details of Roadside Assistace ad Home Start. (I order to provide this free cover, we may pass ames of Authorised Users to AA to eable them to issue membership details.) Please read Status Disclosure ad Summary of Cover sectios i this brochure. Radisso SAS ivite you to be their favoured guest Goldpoits plus, the Radisso SAS loyalty programme, has bee specifically desiged to provide geuie rewards for guest loyalty. It cosists of three tiers, Red, Silver Elite ad Gold Elite. As a Allied Irish Bak (GB) Visa Busiess Gold Cardholder, followig registratio, you will joi o the Silver Elite Tier. Normally to qualify for the Silver Elite Tier you would have to stay for 15 ights or 10 stays i the previous year. Global Assistace As a Allied Irish Bak (GB) Visa Busiess Gold Cardholder you will ejoy the security ad peace of mid of the exclusive Global Assistace service, desiged to help you deal with emergecies while travellig. Features of this service: Lost or Stole Card Assistace Global Assistace will provide assistace i reportig the loss or theft of credit cards Lost or Stole Passport Assistace if you lose your passport you will be advised of telephoe umbers, addresses ad opeig hours of the earest cosulate or embassy, icludig where required additioal advice o the procedures for arragig passport replacemet Emergecy Medical Iformatio iformatio detailig the locatio, addresses, telephoe umbers ad opeig hours together with specific facilities, capabilities or medical specialities ad laguages spoke Emergecy Iterpretatio Service available whe traslatio is required for a persoal emergecy (ot available for Busiess use) Emergecy Message Home we ca arrage to deliver a brief message by phoe, fax or to a desigated perso i the case of a emergecy. Terms ad coditios apply. This service is provided by WhiteCocierge. Please ote, should you termiate your Allied Irish Bak (GB) Visa Busiess Gold Card Agreemet, AA Membership, Goldpoits plus ad Global Assistace will automatically be cacelled. Silver Elite members receive the followig beefits: 25% bous o poits eared. 10% discout o weeked rates 10% discout o hotel restaurat diig Free spouse card. Terms ad coditios apply. Visit for details of coditios ad how to avail of beefits. 5

6 AA BREAKDOWN ALLIED IRISH BANK (GB) STATUS DISCLOSURE, DEMANDS AND NEEDS Allied Irish Bak (GB) Status Disclosure Allied Irish Bak (GB) is a authorised itermediary ad ca sell ad arrage isurace cotracts, actig o behalf of the Isurer i respect of ay cotract of isurace provided. I relatio to the provisio of free AA Breakdow Cover, we ca oly offer a product from a sigle isurer uderwritte by Automobile Associatio Limited. We have ot provided you with advice or a persoal recommedatio as to whether this policy is suitable for your specific eeds. We do ot charge ay fees for this service. Allied Irish Bak (GB) ad Allied Irish Bak (GB) Savigs Direct are trade marks used uder licece by AIB Group (UK) p.l.c. (a wholly owed subsidiary of Allied Irish Baks, p.l.c.) icorporated i Norther Irelad. Registered Office, 92 A Street, Belfast, BT1 3HH. Registered Number, NI Authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority. Our Fiacial Service Register Number is FRN: You ca check this o the FCA s Register by visitig the FCA s website or by cotactig the FCA o If you wish to register a complait, please cotact us i writig at Allied Irish Bak (GB), Product Maagemet, 92 A Street, Belfast, BT1 3HH or telephoe (028) If you caot settle your complait with us, you may be etitled to refer it to the Fiacial Ombudsma Service. We are covered by the Fiacial Services Compesatio Scheme. You may be etitled to compesatio from the Scheme if we caot meet our obligatios. This depeds o the type of busiess ad the circumstaces of the claim. Isurace advisig ad arragig is covered for 90% of the claim, without ay upper limit. Demads ad Needs I eterig this agreemet you will be provided with AA Breakdow Cover o a complimetary basis as part of the Busiess Gold Card package. This isurace product is provided to you o a o-advised basis ad o premium is payable. AA Breakdow will provide cover for Breakdow Assistace i the evet that your vehicle breaks dow. You have bee advised of the mai details of this policy i the Summary of Cover, which explais the mai beefits, mai exclusios ad limitatios of cover. AA Breakdow Summary of Cover This documet provides you with basic details of your AA Breakdow Cover. The provider of this cover is The Automobile Associatio Limited, uless otherwise stated. This is ot a statemet of the full Terms & Coditios of your policy, which ca be foud i your Terms & Coditios booklet supplied by the AA (the Booklet ) which should be read i cojuctio with this summary. Your complimetary AA Breakdow Cover is subject to, ad rus cocurretly with, the terms of your Allied Irish Bak (GB) Busiess Gold Card Accout. If your Allied Irish Bak (GB) Busiess Gold Card is termiated, your rights to AA Breakdow Cover will come to a ed at the same time. 1. What are the mai features/beefits of AA Breakdow Cover? Roadside Assistace Provides assistace followig a immobilisig breakdow more tha a quarter of a mile from home. Home Start Provides assistace followig a immobilisig breakdow at or withi a quarter of a mile of home. Available 24 hours after joiig. 2. Are there ay sigificat exclusios or limitatios to my AA Breakdow Cover? Key restrictios of your cover are oted below (refer to the Booklet for full details of these ad other restrictios): Service is available withi the UK oly (refer to UK Breakdow Assistace), ad oly to members travellig i a car, va, miibus or motorcycle which complies with the stated weight, width ad legth restrictios (refer to Vehicle type, weight ad size restrictios). Refer to UK Breakdow Assistace Services, Geeral Terms of Cotract. Assistace is ot available followig a breakdow or accidet atteded by the police or other emergecy service, util the vehicle s removal is authorised. If the police isist o recovery by third party, the cost of this must be met by you. No recovery (icludig a local tow) is available followig a accidet. Trasport of ay aimal is discretioary, ad horses or livestock will ot be recovered. Routie maiteace, ruig repairs, the cost of spare parts, petrol, oil, keys, service requirig specialist liftig 6

7 equipmet, garage or other labour required to repair your vehicle are excluded, as is the provisio of service o private property without the relevat permissio. Service is discretioary where it is requested to deal with the same or a similar fault or cause of breakdow to that atteded i regard to the same vehicle withi the precedig 28 days. The member must be with the vehicle at the times of breakdow ad assistace. A valid membership card ad some other form of idetificatio must be produced. Service will be refused ad may be cacelled if ayoe behaves i a abusive or threateig maer, or if the AA is owed moey. Ay car hire that may be arraged for a member will be subject to the hirer s Terms & Coditios. Uder the Service Cotrol Policy further premiums may be requested if at the time you call for assistace the maximum umber of call outs is reached. 3. What if I wat to cacel my AA Breakdow Cover? You have the right to cacel your AA Breakdow Cover withi 14 days from receipt of your AA Breakdow Cover documetatio. As your AA Breakdow Cover is complimetary, there will be o refud of premium. You will eed to retur ay AA Breakdow Cover card supplied. 4. What if I eed to make a call-out? If you require Breakdow Assistace i the UK, please call You will eed to provide your membership umber ad details of your circumstaces. 5. What if I eed to make a complait? If you wish to register a complait, please cotact us: By phoe: I writig: Customer Support (B), AA, Faum House, Basigstoke, Hampshire RG21 4EA. By If you caot settle your complait with us you may be etitled to refer it to the Fiacial Ombudsma Service. 6. Are we covered by the Fiacial Services Compesatio Scheme (FSCS)? No. The Automobile Associatio Limited is ot covered by the FSCS. 7. Geeral Law applicable: The policy will be govered by the Laws of Eglad. The EEA State for the purpose of the Policy is the Uited Kigdom. Laguage: This Policy is writte i Eglish ad all correspodece etered ito shall be i Eglish. Isurers: The Automobile Associatio Limited is icorporated with Limited Liability i Jersey. Number: Registered Office: 22 Greville Street, St Helier, Jersey JE4 8PX, Chael Islads. ADDITIONAL INFORMATION How to apply If you wish to apply* for either of our Busiess Cards, please cotact your local brach who will be happy to assist you. *Applicatios are subject to status. Full details of Terms & Coditios are available o request. Value ad service: The heart of our busiess Value ad service are at the heart of our busiess. We aim to provide real value to every oe of our customers ad to deliver the highest stadard of service i bakig ad fiacial services. We subscribe to the Fiacial Ombudsma Service, which operates at Exchage Tower, Harbour Exchage Square, Lodo E14 9GE, telephoe , from outside the UK Our brochure `How does our service measure up? is available from ay Allied Irish Bak (GB) brach ad via our website busiess.aibgb.co.uk. This brochure explais how we deal with complaits ad how you ca register a complait. The Ledig Code Allied Irish Bak (GB) subscribes to the Ledig Code which is moitored ad eforced by the Ledig Stadards Board. The Ledig Code sets miimum stadards of good practice whe dealig with certai customers i the UK i relatio to loas, curret accout overdrafts, charge cards ad credit cards. Further details ca be foud at: Allied Irish Bak (GB) ad Allied Irish Bak (GB) Savigs Direct are trade marks used uder licece by AIB Group (UK) p.l.c. (a wholly owed subsidiary of Allied Irish Baks, p.l.c.) icorporated i Norther Irelad. Registered Office,92 A Street, Belfast BT1 3HH. Registered Number, NI Authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority. 7

8 Iformatio correct as at Jue 2015 Allied Irish Bak (GB) ad Allied Irish Bak (GB) Savigs Direct are trade marks used uder licece by AIB Group (UK) p.l.c. (a wholly owed subsidiary of Allied Irish Baks, p.l.c.), icorporated i Norther Irelad. Registered Office 92 A Street, Belfast BT1 3HH. Registered Number NI Authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority. busiess.aibgb.co.uk 201 VIS 06/15

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