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1 5 % AER* variable Interest and Instant Access How often do you see that? The Access Plus Deposit Account *4.92% gross variable

2 Access Plus not your everyday deposit account It pays you 5%* AER (4.92% Gross) variable interest rate on balances over 25,000 and you always have instant access to your money. Which makes the Access Plus deposit account from Ulster Bank one of the best ways to put money aside for the things you just don t get every day, like holidays, cars and houses. *Includes bonuses How does it work? Our Access Plus account is a tiered account meaning the more money you put on deposit the more you can earn. You will need to maintain a minimum balance of 10,000 and make no more than one withdrawal per quarter to avail of the interest rates and bonuses. The money you wish to put into an Access Plus account must be money that is not already on deposit in another Ulster Bank account. Regular bonuses to boost your savings Every quarter we ll pay you a bonus interest rate of 0.25% gross/aer variable if you make no more than one withdrawal per quarter and your balance does not fall below 10,000 for four or more calendar days in each quarter. Make no more than four withdrawals during the year and we ll pay you a further annual bonus of 0.25% gross/aer variable each December.

3 The rewards at a glance Excluding all bonuses Including all bonuses Balance Gross* Variable AER* Variable Gross* Variable AER* Variable 10,000 24, % 3.22% 4.43% 4.50% 25,000 1,000, % 3.72% 4.92% 5.00% * Gross stands for the interest paid before the deduction of DIRT tax. ** AER stands for the Annual Equivalent Rate and shows what the interest rate would be if paid and compounded each year. Credit interest is subject to DIRT which is payable at the assumed rate of tax (20%). If your balance falls below 10,000 the interest rate will revert to a nominal rate of interest which is currently 0.55% gross/aer variable, which can be found in our Guide to Personal Accounts Fees and Interest. Interest is calculated and accrued daily and credited to your account quarterly on the first working day of January, April, July and October. Interest accrues up to but not including the date of withdrawal. Instant easy access to your money Getting hold of your money is simple. To make a withdrawal over the counter at your branch, just bring along some photo ID such as a passport or driving licence with your signature and date of birth. It pays to save with the right bank Ulster Bank is part of, and has the backing of RBS (Royal Bank of Scotland) who are one of the largest Financial Services Groups in the world. So, you know your money s in good hands. Switch to Access Plus today! Switching your money to an Access Plus account is easy. Just speak to a Customer Adviser in any Ulster Bank branch today.

4 Access Plus Terms & Conditions You are required to read the following Terms & Conditions in this brochure before opening an account: The following Terms & Conditions are subject to Ulster Bank s standard Savings and Deposit Account Terms & Conditions which are available from any Ulster Bank branch and in the event of a conflict, the Terms & Conditions below shall apply. Definitions 1.1 We, us, our, Bank, Ulster Bank mean Ulster Bank Ireland Limited, a member of the Royal Bank of Scotland group of companies. You, your mean you, the person or the persons in whose name(s) the Account is held. 1.2 Account means the Ulster Bank Access Plus Account. 1.3 Account Conditions means the Terms & Conditions below which may be altered by Ulster Bank from time to time by additions, substitutions or otherwise. 1.4 Account holder means the individual(s) aged 18 or over who have opened the Account pursuant to these Terms & Conditions including his/her/their legal representatives, successors and permitted assigns. The Account Holder(s) can either be resident(s) or non-resident(s) of Ireland. 1.5 Annual Statement means a statement issued by Ulster Bank to the Account Holder evidencing the Balance of the Account. 1.6 AER means Annual Equivalent Rate and shows what the interest rate would be if paid and compounded each year. 1.7 Cleared Balance means the balance of the Account after excluding any uncleared items. 1.8 DIRT means Deposit Interest Retention Tax. 1.9 ECB means European Central Bank base rate and is subject to change Joint Accounts: An Account may be held by several persons jointly on the basis that all Joint Holders are entitled to all monies in the Account (so that Ulster Bank will not be concerned as to any division of ownership of the monies between the Account Holders and/or other persons) on condition that: (a) Ulster Bank may decline to open an Account or add an account holder to an Account where the total number of joint Account Holders would exceed four; (b) The joint holders may choose the order in which they are named in the records of Ulster Bank, the first named joint holder being known as the Representative Joint Holder; (c) Only the home address of the Representative Joint Holder will be registered in respect of the Account irrespective of the number of Account Holders. The address(es) of the remaining Account Holder(s) must inform Ulster Bank, as soon as practicable, of any change of address. All communications relating to the Account shall be sent to the home address of the Representative Joint Holder; (d) In the absence of any instructions to the contrary, any order, request, or authorisation for a payment or transfer of money from the Account and/or any receipt for money paid out of the Account must be signed by all Joint Holders of the Account unless all Joint Holders of the Account authorise in writing one or more of their number, or an agent, to sign on behalf of them and the receipt of or evidence of payment to a person so authorised shall be a good discharge to Ulster Bank for any payment to him/her; and (e) Any liability to Ulster Bank arising on the part of the Account Holders shall be in joint and several Lodgement means all cheques, money transfer orders, foreign exchange standing orders, telex/swift/other electronic transfers and other funds lodged to an Account Maximum Balance: means the maximum amount of money that can be lodged into the Account and is 1,000, There is a minimum balance threshold of 10,000 for Access Plus. If you fall below this minimum you will receive a nominal rate of interest. For details of our nominal rate please refer to our booklet A Guide to Personal Accounts Fees and Interest which is available from our branches and may be varied from time to time Representative Joint Holder means the first named Account Holder in the case of a Joint Account Withdrawal means any cash or cheque withdrawal, internal electronic or external transfers of funds from the Account. Account Opening 1. A customer receipt shall be issued in respect of each Access Plus Account opened. (The Ulster Bank Access Plus Account is an Account in which funds are available on demand subject to conditions 8 and 9 below.) 2 Ulster Bank will send an account statement to the account holder annually. 3. Restrictions apply: Access Plus is available to personal deposit customers only and to balances not currently in an Ulster Bank account. 4. An individual can only open one Access Plus Account in sole or joint names. Lodgements 5. This account requires a minimum balance of 10,000. This however is subject to change. 6. Additional lodgements of any amount are allowed at any time subject to a maximum account balance of 1,000, The proceeds of any cheque lodged to this Account may not be withdrawn until the cheque has cleared. The current time period for clearance of cheques drawn on bank accounts of other jurisdictions may require a longer clearance period. Withdrawals 8. The Ulster Bank Access Plus Account allows one withdrawal per calendar quarter. A withdrawal means any withdrawal from the account. More than one withdrawal per calendar quarter from the Account will result in the bonus not being applied for that quarter. 9. If the balance on the Account falls below 10,000 for four calendar days or more the rate applicable will fall to a nominal rate of interest paid at our lowest tier. For details of our nominal rate please refer to our booklet, A Guide to Personal Accounts Fees and Interest,

5 which is available from our branches and may be varied from time to time in accordance with condition 18 below. If the balance reverts to the minimum balance within the same quarter, the rate applicable to the minimum balance will apply again from the date of reversion to the minimum balance. 10. There is no maximum limit placed on withdrawals, however funds must be cleared. 11. In the case of withdrawals, the Account Holder(s) should produce photographic identification for example passport or driving licence with signature and date of birth attached, and a withdrawal form duly signed in accordance with instructions currently held on Ulster Bank s records. 12. Withdrawals using an ATM Card and Direct Debit facilities are not available on this Account. 13. There is no charge for any withdrawals from this Account. Interest 14. Variable interest is calculated and accrued daily on a 365-day year basis based on the cleared balance in the Account. Interest will continue to accrue up to but not including the date of withdrawal. Value dating will apply to all cheque lodgements drawn on the Irish Clearing System and will receive value after three bank working days. 15. Interest is credited to the Account quarterly on the first working day of January, April, July and October each year. Bonuses 16. (a) Quarterly Bonus Interest known as the Quarterly Bonus will be paid in addition to credit interest in respect of each full quarter during which no more than one withdrawal is made and provided that the minimum balance does not fall below 10,000 for more than four calendar days in total during that quarter. If more than one withdrawal is made during any quarterly period or if the minimum balance falls below 10,000 for more than four calendar days in total during that quarterly period then no quarterly bonus will be earned for that quarterly period. A quarterly period shall commence on 1 January, April, July and October. A quarterly period will end the day before the first working day of the next quarterly period i.e. a) 31 March if 1 April is a working day or b) 2 April if 3 April is the first working day. A working day is Monday to Friday and does not include weekends or bank holidays. A quarterly bonus shall be calculated by reference to a quarterly period taking into account the minimum balance in the account and the number of withdrawals made during that period. A quarterly bonus will be paid to the account on the first working day of the next quarterly period. (b) Annual Bonus Interest known as Annual Bonus will be paid in addition to credit interest and quarterly bonuses in respect of each full annual period during which no more than four withdrawals are made. If during any annual period more than four withdrawals are made then no annual bonus will be earned for that annual period. An annual period shall commence on the first working day of January. An annual period will end on the day before the first working day of January i.e. 1 January where 2 January is the first working day. A working day is Monday to Friday and does not include weekends or bank holidays. The annual bonus shall be calculated by reference to an annual period taking into account the number of withdrawals made during that period. The annual bonus will be paid to the account on the first working day of the next annual period. (c) Additional Information Should you open an account during a quarterly period or an annual period, any quarterly or annual bonus earned during the remainder of that period will be paid on a pro rata basis in accordance with the number of complete days during the period when the account has been opened. Should you close an account during a quarterly or an annual period, you will not receive any quarterly or annual bonus interest for that period. Quarterly and annual interest is calculated on a daily basis on the amount you have in your account at the close of business. Both quarterly and annual interest rates are subject to change by us from time to time. 17. Deposit Interest Retention Tax (DIRT) Under current Irish law all gross interest returns for Irish residents are subject to Deposit Interest Retention Tax, where applicable, at the rate on the date when interest is paid or otherwise as regulated by legislation. DIRT will apply to interest and bonuses payable on the Access Plus Account unless Account Holders are exempt from payment of DIRT. The criteria for non-liability for DIRT will be determined from time to time by Government legislation. 18. Amendments to Terms & Conditions Ulster Bank reserves the right to amend these Terms & Conditions, in particular if there is any relevant material change in the prevailing legal, tax or regulatory conditions. We will give you at least 30 days prior written notice about any change to these Terms & Conditions, except where changes are to your advantage in which case we may make the change immediately then write to you within 30 days to tell you about the change. Distance Marketing Regulations Our Dealings with you 1. We are a member of the Royal Bank of Scotland Group (the Group). We are a limited liability company registered in the Republic of Ireland with the Companies Registration Office, Parnell House, 14 Parnell Square, Dublin 1 under registered number We are a licensed bank regulated by the Financial Regulator. P.O. Box 9138, College Green, Dublin 2. We are registered with the Irish Revenue Commissioners for value added tax (VAT) and our VAT registration number is IE/9/E/61585W. 3. This brochure provides the reader with a description of the Access Plus Account. 4. Other costs or taxes may be incurred by you in connection with using the Account which are not imposed by Ulster Bank Ireland Limited.

6 5. All details are correct at time of going to print (September 2008) and are subject to change. 6. The language used in this and all other documents relating to this product is English and all our communications with you will be in English. 7. Our dealings with you leading up to you opening the Account, as well as the terms and conditions of our agreement with you, are governed by the laws of Ireland. You agree that the courts of Ireland will have jurisdiction in relation to any matter relating to this agreement. Complaints If you are not satisfied with any of our products or services we have a complaint handling procedure that you can use to resolve such matters. Initial complaints should be directed to the Ulster Bank branch where the complaint originated or in writing to Ulster Bank Group Centre, George s Quay, Dublin 2. A leaflet giving details of our procedure is available from any Ulster Bank Branch. We are a member of the Financial Services Ombudsman Scheme. If you are not satisfied after following our procedures, you can ask the Ombudsman to review the complaint. You can find out more about the Financial Services Ombudsman in the leaflet from any of our branches or online at Alternatively you can write to: Financial Services Ombudsman s Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Lo Call , Telephone (01) or by sending a fax to (01) enquiries should be sent to financialombudsman.ie Cancellation If you are not happy with the Account within 14 days of opening it, you have the right to cancel the Account. We will close the Account or, if you would prefer, we will help you switch to another account. Your instruction to cancel the account should be sent to the Ulster Bank branch where the account was opened. If you cancel your account we will give you back all the money you have deposited in the account with any interest it has earned. If you do not exercise your right to cancel the account within 14 days, Ulster Bank will assume you agree to the terms and conditions and you choose to take the account. Closing Accounts In certain circumstances we may require you to close the Account. We may do this by writing to you specifying the period of time within which you are required to comply with this request. If at the end of that period you have not closed the Account, we will be entitled to refuse to accept any more payments into the Account (except payments as are necessary to repay any debt and outstanding interest and charges on the Account) and may return any existing balance to you at the last address you have intimated to us as your home address. We do not have to give you a reason for our decision. The Terms and Conditions relating to the Account will continue to apply until all sums pending have been settled in full and all cards and other items belonging to us have been returned. Your Information 1. Your account is with Ulster Bank Ireland Limited who is the data controller. 2. We are a member of the Royal Bank of Scotland Group (The Group). For information about our Group of Companies please visit and click on About Us or for similar enquiries please telephone Your electronic information 3. If you contact us electronically, we may collect your electronic identifier (e.g. Internet Protocol (IP) address or telephone number) supplied by your service provider. How we use your information and who we share it with 4. We may use and share your information with other members of the Group to help us and them: assess financial and insurance risks; recover debt; prevent and detect crime; understand our customers requirements; develop and test products and services. 5. Your information comprises all the details we hold about you and your transactions, and includes information obtained from third parties. 6. We may link information between your accounts and other products and services you hold with us, we may also link information between you and others with whom you have a financial link. Unless you consent, we will not use the links for marketing purposes. 7. We do not disclose your information to anyone outside the Group except: where we have your permission; or where we are required or permitted to do so by law; or to credit reference and fraud prevention agencies and other companies that provide a service to us or you; or where we may transfer rights and obligations under this agreement. 8. From time to time we may change the way in which we use your information. Where we believe you may not reasonably expect the change we shall notify you. If you do not object to the change within 60 days, you consent to that change. 9. If you would like a copy of the information we hold about you, please write to your branch. A fee may be payable. Credit Reference and Fraud Prevention Agencies 10. We may make periodic searches at credit reference agencies and will provide information to the Group to manage and take decisions about your accounts. This may include information about how you manage your account including your account balance, credit limit and any arrears. We will also provide this information to credit reference agencies who may make this information available to other organisations so that they can take decisions about you. The information may also be used for tracing purposes. 11. We can provide the names and addresses of the agencies we use if you would like a copy of your information held by them. Please contact your branch. The agencies may charge a fee.

7 Great things go together: a great rate and instant access! 5%* AER (4.92% Gross) variable interest rate on balances over 25,000 *Includes bonuses You always have instant access to your money You get regular bonuses subject to certain conditions

8 For more information call into any Ulster Bank branch This brochure is also available in Braille, large print, audio or on disk. Please contact your local branch for details or Textphone Ulster Bank Ireland Ltd. Registered in the Republic of Ireland. Registration Number Registered Office: Ulster Bank Group Centre, George s Quay, Dublin 2. Ulster Bank Ireland Limited is regulated by the Financial Regulator. Calls may be recorded. ULST103 RI September 08

9 For more information call into any Ulster Bank branch This brochure is also available in Braille, large print, audio or on disk. Please contact your local branch for details or Textphone Ulster Bank Ireland Ltd. Registered in the Republic of Ireland. Registration Number Registered Office: Ulster Bank Group Centre, George s Quay, Dublin 2. Ulster Bank Ireland Limited is regulated by the Financial Regulator. Calls may be recorded. ULST103 RI September 08

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