WHAT DOCUMENTATION DO I NEED FOR A MORTGAGE APPLICATION?

Transcription

1 WHAT DOCUMENTATION DO I NEED FOR A MORTGAGE APPLICATION? The following items are usually required for each mortgage applicant CHECKLIST Fully Completed and Signed Mortgage Application Form Salary Certificate Completed By Employer Payslips For The Last 3 Months P60 For Last Year 6 Months Consecutive Bank Statements Evidence Of Regular Savings Loan Statements (if any) Credit Card Statements (if any) Recent Utility Bill Photo ID SELF EMPLOYED APPLICANTS ONLY 2 Years Trading Profit & Loss A/C Letter From Accountant Confirming Tax Affairs Are In Order/Tax Clearance Certificate Revenue Notice of Assessment (2 Years) 12 Months Business Bank Statements

2 SALARY CERTIFICATE/STATUS ENQUIRY Applicants Name: Staff Number: Applicants Address: Dear Employer, The Lender is processing a loan application form the above applicant, who has informed us that he/she is currently employed by you. We would be obliged if, in the strictest confidence, you would supply us with the following: 1. Date of commencement of employment: 2. Position now held: 3. PPS Number: 4. Permanent/Temporary: 5. Average net monthly: 6. Annual Salary or Wages Basic: 7. Commission: G* R* Irreg* 8. Bonus: G* R* Irreg* 9. Overtime average per annum G* R* Irreg* 10. Is Employee pensionable? 11. So far as you are able to tell, will he/she continue to be in your service 12. Is he/she subject to salary scale? If so, what is the maximum of such scale and by what annual Increments reached? 13. Is the employee subject to a probationary period? Yes No 14. If yes, please state remaining term of probation? 15. Location of Employment Signature Print Name Company Company Registration Number Title/Position Address Telephone and Fax Number Date Please authenticate with a company seal or stamp IFG One Network, Booterstown Hall, Booterstown Avenue, Co Dublin Telephone: (01) Fascimile: (01) Website: G* Guaranteed R* Regular Irreg* Irregular

3 SALARY CERTIFICATE/STATUS ENQUIRY Applicants Name: Staff Number: Applicants Address: Dear Employer, The Lender is processing a loan application form the above applicant, who has informed us that he/she is currently employed by you. We would be obliged if, in the strictest confidence, you would supply us with the following: 1. Date of commencement of employment: 2. Position now held: 3. PPS Number: 4. Permanent/Temporary: 5. Average net monthly: 6. Annual Salary or Wages Basic: 7. Commission: G* R* Irreg* 8. Bonus: G* R* Irreg* 9. Overtime average per annum G* R* Irreg* 10. Is Employee pensionable? 11. So far as you are able to tell, will he/she continue to be in your service 12. Is he/she subject to salary scale? If so, what is the maximum of such scale and by what annual Increments reached? 13. Is the employee subject to a probationary period? Yes No 14. If yes, please state remaining term of probation? 15. Location of Employment Signature Print Name Company Company Registration Number Title/Position Address Telephone and Fax Number Date Please authenticate with a company seal or stamp IFG One Network, Booterstown Hall, Booterstown Avenue, Co Dublin Telephone: (01) Fascimile: (01) Website: G* Guaranteed R* Regular Irreg* Irregular

4 R ESIDENTIAL P ROPERTY P URCHASE A PPLICATION F ORM

5 Thank you for choosing us... We aim to make this mortgage process as simple and as easy as possible for you. To ensure the speedy processing of your application, please ensure that the form is completed in full and that all relevant supporting documentation is attached. Your mortgage application is divided into two parts. The first part of your mortgage application captures information about you, the applicant. The second part gives important information about the mortgages offered by a given lender, including statutory warnings. In Part Two, your signature is required in relation to your application for a mortgage loan and your consent is sought in relation to various matters. You must complete Part Two in respect of each mortgage lender to which the application is to be submitted by the mortgage intermediary. A copy of Part One will be attached and forwarded to each such mortgage lender. Please ensure that all applicants sign Parts One and Two of the mortgage application. WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT. VARIABLE RATE MORTGAGE: THE PAYMENTS ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME. To be completed by intermediary: Basis of identity: Face to Face Non Face to Face Agent Signature: 1

6 A. APPLICANT(S) DETAILS First Applicant Second Applicant Surname Forename(s) Other/previous names Title (Mr/Mrs/Miss/Ms/Other) Date of Birth / / / / Nationality PPS Number Marital Status Married Widowed Married Widowed Single Separated Single Separated Divorced Divorced Details of children Number Ages Number Ages Current address Correspondence address Home telephone number Work telephone number Mobile telephone number address Residential status Time at current address Previous address(es) (if less than three years at current address) Owner Tenant With parents relatives/friends years months Owner Tenant With parents relatives/friends years months Time at previous address(s) years months years months 2

7 B. YOUR CURRENT INCOME First Applicant Second Applicant Please indicate if the following incomes are Guaranteed (G), Regular (R) or Irregular (I), by ticking the appropriate box: Gross basic wage/salary per annum Overtime per annum Bonuses per annum Commissions per annum Other income* per annum Total income gross per annum Total of joint financial income if appropriate per annum Total of NETT income (net of tax & PRSI) per month *Please state nature of other income Occupation - Full time or permanent? Y or N Employer s name Address AMOUNT (G) (R) (I) AMOUNT (G) (R) (I) C. EMPLOYMENT DETAILS If self employed, in partnership or director in private company - See Section D Yes No Yes No Telephone number Nature of business Length of service with this employer Previous Employment Details Name and address of previous employer (To be completed if you have worked for your present employer for less than 2 years) or if self-employed, trading name and address. Occupation years months years months Length of service with this employer Name of firm/company years months years months D. SELF EMPLOYED DETAILS To be completed if self employed, in partnership or director in private company Address Nature of business How long has the business been established? Percentage shareholding or partnership interest Name of accountant Trading name Length of time involved Length of time involved Address Tel. no. Fax no. Tel. no. Fax no. 3 years audited accounts available Yes No Tax affairs up to date Yes No 3

8 Current Bank/Building Society Address E. FINANCIAL DETAILS First Applicant Second Applicant Account type(s) Account number Sort Code How long have you held this account? years months years months Existing Mortgages, Other Loans & Commitments Have you had a mortgage in the last 12 months Yes No Number of mortgages held Mortgage 1 Mortgage 2 Mortgage 3 Inception Date Inception Date Inception Date Term of mortgage Term of mortgage Term of mortgage Estimated Sale Price Estimated Sale Price Estimated Sale Price Are you selling? Yes No Are you selling? Yes No Are you selling? Yes No Name of lender Mortgage account no. Address of Lender Property value Balance due Original loan amount Year purchased / / / / / / Payment per month Address of property Type of mortgage If fixed, for how long? rental income? Is any property registered in any name other than the applicants Yes* No *If yes please give details Please tick box in whose name financial commitments have been incurred (if joint commitment please tick both boxes) Financial Institution 1st 2nd Applicant Applicant Amount owing Monthly payment Purpose of loan e.g. car, holiday etc. To be refinanced Yes No Yes No Yes No Yes No Rent Yes No Maintenance payments (if separated/divorced) TOTAL 4

9 F. DETAILS OF YOUR CREDIT HISTORY First Applicant Second Applicant Have you ever been refused a mortgage on this or any other property? Have you ever had a court order registered against you? Have you ever been insolvent, declared bankrupt or made any arrangements with creditors or any other action pending? Yes No Yes No Yes No Yes No Yes No Yes No How many payments have you missed on your mortgage? How many payments have you missed on your any other loan? (please state the most payments missed on any one loan) Past 12 mths Ever Past 12 mths Ever Past 12 mths Ever Past 12 mths Ever Complete Section K if you have indicated any missed payments above. Purpose of mortgage (please specify) G. DETAILS OF MORTGAGE REQUIRED *Where Title Insurance, please complete section O First time buyer Yes No Yes No If joint application, is title of property to be in joint names Yes No If you are purchasing a property, please complete Section 1. Alternatively, if you are re-mortgaging or require funds for other purposes, please complete Section 2 below. Section 1 (purchase only) Section 2 (re-mortgage only) Purchase price/cost of building Mortgage required Remortgage amount Site price (if applicable) Savings* Property value Legal & stamp duty (if applicable) Grant Loan value % % Repairs / renovations Gifts Year of original purchase Other costs* Other funds* Age of property Total expenditure Total finance *Please supply details of other costs and/or savings, or other funding sources What type of repayment method do you require? Annuity Endowment Pension (Supply details) Interest Only (Initial years) Other Mortgage term Years Type of loan required Variable Fixed for years Tracker Split Discount Variable Other 5

10 H. DETAILS OF PROPERTY TO BE MORTGAGED Address of property to be mortgaged Type of property Terraced Bungalow Semi-detached Detached Duplex Apartment Estimated completion / closing date If an apartment/duplex, please indicate number of floors in block Estimated value Number of rooms Living Dining Bedrooms Bathrooms Kitchen Utility room If buying or building a new property Homebuilders Bond Part of a development Yes No Direct labour construction Yes* No Yes No Stage payment required Yes No Tenure of property Is fixed price contract Yes No Architect's level of Yes* No in place supervision *If direct labour or if builder is unregistered Freehold Leasehold Number of years remaining on lease (if leasehold) years Do/Will you have vacant possession on the whole of the property on completion of the loan? If no, please give details at Section "J" Yes No Age of property If property is less than 10 years, is HB47 / architects certificate available? Yes No years Type of construction i.e. Brick, stone Is the property for private owner occupation only, if no please state purpose of property Yes No Details of any person over the age of 18 other than the applicant(s) who will reside in the property Name and address of Estate Agent Name and address of contact for access for valuation purposes Name/Tel of Architect Full name Date of birth Relationship with applicant(s) Tel. No. Tel. No. Tel. No. Name/Tel of Builder Name I. YOUR SOLICITOR'S DETAILS Tel. No. Name of firm Address Tel. No. Fax No. DX No. address 6

11 J. ADDITIONAL INFORMATION Please use this section if you need extra space to complete any of the questions asked throughout the form or if you wish to include further information. K. ADDITIONAL INFORMATION Please complete this section if you have ever been made bankrupt, refused a mortgage, made arrangements with creditors, been insolvent, had any court judgements for debt made against you or been in arrears with any existing or previous loans, credit cards, or if you have had a credit card revoked. 7

12 L. DECLARATIONS AND SIGNATURES I/We declare that: The information given in this form is true and complete to the best of my/our knowledge and belief, whether completed by me or otherwise and all facts relevant to this application have been disclosed. There are no existing loan or advances in my/our names with any lender other than declared in this form. I/We have no convictions or pending prosecutions relating to acts of dishonesty, such as theft or fraud. I/We will notify Mortgage Broker Solutions of changes to information provided prior to the loan being drawn down. I/We authorise you: To make any enquires necessary to confirm the information given in this form and for credit assessment. Where done in the interests of fraud prevention, to make such enquires as necessary in relation to my/our mortgage application and to disclose information provided by me/us in this application. I/We agree: To securitisation of our mortgage, at the lenders discretion, and to disclosure of my/our name, address and other information relevant to the loan. This information will only be disclosed to a lender on the understanding that it intends to participate in funding the mortgages and that the information will be kept confidential. The securitisation process involves packaging mortgages together and asking other financial institutions to share the credit risk and security. This would not affect the relationship between you and the lender, the lender would still be responsible for the administration of your mortgage. I/We declare and agree that: 1. This form must not be construed as an offer on behalf of the lender and any advances offered may be revised or cancelled before the advance is paid. 2. I am/ We are 18 years and over. 3. I/We will pay any insurance charges necessarily incurred by the lender. 4. I/We authorise any enquires of my /our employer(s) or auditor / accountant or lenders or any other parties. 5. The rate of interest will be that which the lender is charging on the date on which the loan cheque is drawn down and subsequently the rate and repayment may vary within the terms of the mortgage. 6. I/We will not let the property or use if for any other business purpose without the lenders consent in writing. 7. No responsibility can be accepted by the lender for the condition of the property. 8. I/We acknowledge that by this loan application(s) form, I/we have been informed by the lender in writing that any insurance which the lender requires to be effected or maintained on the property may be effected or maintained by me/us with any insurer and with any agency or any intermediary subject to the lenders requirements. 9. I/We further authorise the lender to supply such information as I/we have given to the lender to an insurance company, if it is necessary to obtain a suitable indemnity policy, or any other insurance. 10. I/We authorise the lender to send my/our solicitor copies of any letter issued by the lender to me/us on foot of the application and any other information in the lenders possession relevant to this application. 11. I/We understand that I/we should not rely on the lenders valuation report in any way in deciding whether or not to purchase the property and that the lender s valuation shall not be construed as reasonableness of purchase price for value. I/we understand that if, contrary to the lenders recommendation, I/we do not request or obtain a fuller report for my/our own purposes, I/we run the risk that the property may suffer from serious defects which are not mentioned in the lenders valuation report and that the report may be defective, or may be inadequate for my/our purposes. I/we further understand that should the lender grant a loan this shall not signify as an assurance or guarantee that the property is soundly constructed and free of defects. 12. I/We are aware and agree that this application form may be presented to more than one lender for underwriting. 13. I/We understand that I am /we are not guaranteed access to the lowest cost mortgage available in the market. 14. I/We will pay any expenses that may be incurred in dealing with this application. 15. I/We have read the mortgage related fees information sheet which I/we understand constitutes part of my/our mortgage application, where applicable. 16. I/We consent to and authorise the lender to release personal data relating to me/us and information relating to all transactions between the lender or any subsidiary company of the lender and I/us including credit references to any person or body including any credit information agency whether for the purpose of a loan transfer and securitisation scheme or otherwise. 17. I/We understand the lenders right to decline this application without giving a reason or without entering into correspondence. 18. The operation of Tax Relief at Source is subject to audit by the Revenue Commissioners. These audit powers allow the Revenue Commissioners to access records in the lenders possession including correspondence and the records of other communications between a lender and an individual having a qualifying mortgage loan. Should you qualify for TRS, your monthly TRS payment will be lodged to your bank account on the same day that you make your mortgage payments. 19. I/We understand that this mortgage application will be processed and packaged on behalf of the agent/broker and lender by Mortgage Broker Solutions. For the purpose of the Consumer Credit Act 1995 I/We consent, for the purpose of Section 45 of the Consumer Credit Act, 1995 to any notice or written communication connected with this Mortgage Application being sent to any member of my/our family/families or to my/our employer(s), accountant(s), solicitor(s), or agents(s) or any other person I/we may designate for this purpose. I/We also consent, for the purpose of Section 46 of the Consumer Credit Act, 1995 to any communications by telephone and to any visit from the lender or any person acting on the lender s behalf at my/our place(s) of employment or business at any time. I/We hereby further consent, for purposes of Section 46 of the Consumer Credit Act, 1995 to telephone call or visit from the lender or any person acting on the lender s behalf to my/our employers or any member of my/our family/families. In particular, immediately prior to drawdown of the loan, I/we consent to the lender contacting my/our employer(s) or accountant(s) by telephone in order to re-affirm my/our employment or business trading status. Signatures: Applicant 1 Applicant 2 Date Date In signing the above I declare that the details mentioned above have been brought to my attention which are agreeable and acceptable to me. 8

13 M. DATA PROTECTION ACT IFG Investment & Mortgage Services Ltd., t/a Mortgage Broker Solutions ( Mortgage Broker Solutions ) is a joint venture company owned equally by IFG Group plc and GE Capital Woodchester Ltd. Mortgage Broker Solutions shall comply with its obligations under the Data Protection Act, 1988, the European Communities (Data Protection) Regulations, 2001 and the Data Protection (Amendment) Act, 2003 (as may from time to time be amended, replaced, supplemented or re-enacted) and all applicable data protection legislation in respect of the details, information and personal data provided by you in this application form (the Data ). The Data shall be used by Mortgage Broker Solutions, its agents, lenders and First American Title Underwriting Ireland Ltd., (where applicable) in order to process this mortgage application and provide mortgage facilities to you. The applicant(s) agree(s) that Mortgage Broker Solutions may hold and possess by computer or otherwise, the Data provided by you in this application, together with any additional Data. The applicant(s) also agrees that Mortgage Broker Solutions may use this data, and disclose this data as part of a mailing list to carefully selected third parties (including GE Capital Woodchester Ltd., and other companies in the IFG Group), to provide information about other products which may be of interest to you. Yes No Yes No Yes No App 1: Mail Phone You may object free of charge at any time to the processing of the Data for direct marketing purposes by means of a request in writing to Mortgage Broker Solutions at Booterstown Hall, Booterstown, Co. Dublin. Please inform us of any changes to your Data by contacting your mortgage advisor or Mortgage Broker Solutions at the above address. You have the right of access to the Data by means of a written request to your mortgage advisor or Mortgage Broker Solutions at the above address and on payment of a nominal fee. You also have the right to require your mortgage advisor and/or Mortgage Broker Solutions to correct any inaccuracies in the Data. Telephone calls may be recorded for security and training purposes and monitored as part of our quality control procedures. Please be advised that your mortgage broker will be in receipt of commission for processing this mortgage application. This will in no way affect the price of the product or service that you receive. Your mortgage broker may also charge you an arrangement fee for processing this application and you will be asked to sign an agreement for this fee should it be charged. App 1: Mail Phone CONSUMER CREDIT ACT The Consumer Credit Act 1995, was enacted to protect and inform the consumer on a number of issues, one of which was mortgages. The following information section must be read by all applicants completing this application form not only as a requirement of the Consumer Credit Act but also as an integral part of our Customer Care commitment to you. MORTGAGE RELATED FEES As your mortgage application form will be used to analyse the lender who is best suited to your needs, we also supply you with detailed information as to the individual costs incurred by each lender. As these costs may change from time to time the information is given to you on a separate information sheet which while separate does constitute part of the application form. All fees may be paid in advance of the completion of the loan if you so wish. Your Solicitor will also provide you with a figure for the costs which will arise in respect of stamp duty and other fees. These costs will vary depending for example, on the amount of the mortgage loan and whether the land is registered or unregistered. PROPERTY VALUATION Valuations are carried out for the sole purpose of establishing the market value of the property and its suitability as security for the loan. It is for use by the lending institution only, and is not a structural survey of the property, nor does it assure or guarantee that the house is free from any structural defect. All lending institutions recommended that you arrange for an independent structural survey to be carried out. In the event that you have paid the lending institution the valuation fee and your loan application is not accepted, the valuation fee paid by you will be refunded by the lending institution. The valuation report will indicate the reinstatement value of the property and this will be the figure used by the lending institutions as the minimum amount of cover allowable for property insurance purposes for issue of the loan cheque. INSURANCES Mortgage Protection Insurance is needed to repay the mortgage in the event of death except under the provisions as stated in Part IX, S.126 of the Consumer Credit Act Insurance of the mortgaged property is also required, this must be issued in the name(s) of the borrower(s) with the lender s interest noted for an amount not less than the reinstatement value specified in the valuation report. You are free to arrange such insurances with any Insurance Company or Intermediary of your choice. INDEMNITY BONDS An Indemnity Bond may be required if the mortgage value is greater than a set percentage of the house value. This percentage varies depending on the lender chosen. Please consult the mortgage information sheet to identify if a bond is required, and if so at what percentage. Mortgage Undertakings MBS holds an appointment in writing with following lenders; Allied Irish Finance Bank of Scotland (Ireland) Limited EBS First Active plc GE Capital Woodchester ICS Building Society IIB Homeloans Irish Nationwide Building Society Permanent tsb Ulster Bank CUSTOMER CARE You as a valued customer are entitled to best advice. To help us to help you with your financial planning for the future the information provided to us by you, will enable us to analyse your needs and make the recommendations best suited to your requirements. Please do not hesitate to ask questions at any time if the information given is unclear to you, or, if there is any particular area you are unsure of. All of the detailed information provided by you is dealt with in the strictest confidence. If you require a commercial mortgage, your mortgage advisor will be more than happy to supply you with all of the necessary information. All loans provided by the lenders are subject to satisfactory appraisal of status and financial standing, and require security over the property and suitable protection/savings policies on your life. WARNING YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT. VARIABLE RATE MORTGAGE: THE PAYMENT RATES ON A HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME. ENDOWMENT MORTGAGE: THERE IS NO GUARANTEE THAT THE PROCEEDS OF THE INSURANCE POLICY WILL BE SUFFICIENT TO REPAY THE LOAN IN FULL WHEN IT BECOMES DUE FOR REPAYMENT. EARLY SURRENDER: IN THE EVENT OF EARLY SURRENDER OF THE LIFE INSURANCE POLICY IN RESPECT OF AN ENDOWMENT MORTGAGE, THE POSSIBILITY EXISTS THAT THE SURRENDER PROCEEDS COULD BE LESS THAN YOU HAVE PAID IN PREMIA AND OTHER CHARGES. 9

14 N. CUSTOMER CARE You as a valued customer are entitled to best advice. To help us to help you with your financial planning for the future the information provided to us by you, will enable us to analyse your needs and make the recommendations best suited to your requirements. Because of this commitment to you, part of this application includes a Customer Care questionnaire. Please do not hesitate to ask questions at any time if the information given to you is unclear to you, or, if there is any particular area you are unsure of. All of the detailed information provided is dealt with in strictest confidence. The application which you are about to complete is unsuitable for Commercial mortgages, if you require this type of mortgage, your mortgage advisor will be more than happy to supply you with all of the necessary information. All loans provided by the lenders are subject to satisfactory appraisal of status and financial standing and require security over the property and suitable protection/savings policies on your life. CONSUMER CREDIT ACT The Consumer Credit Act 1995, was enacted to protect and inform the consumer on a number of issues, one of which was mortgages. The following information section must be read by all applicants completing this application form not only as a requirement of the Consumer Credit Act but also as an integral part of our Customer Care commitment to you. MORTGAGE RELATED FEES As your mortgage application form will be used to analyse the lender who is best suited to your needs, we also supply you with detailed information as to the individual costs incurred by each lender. As these costs may change from time to time the information is given to you on a separate information sheet which while separate does constitute part of the application form. All fees may be paid in advance of the completion of the loan if you so wish. Your solicitor will also provide you with a figure for the costs which will arise in respect of Stamp duty and other fees. These costs will vary depending for example, on the amount of the mortgage loan and whether the land is registered or unregistered. PROPERTY VALUATION Valuations are carried out for the sole purpose of establishing the market value of the property and its suitability as security for the loan. It is for use by the lending institution only, and is not a structural survey of the property, nor does it assure or guarantee that the house is free from any structural defect. All lending institutions recommended that you arrange for an independent structural survey to be carried out. In the event that you have paid the lending institution the valuation fee and your loan application is not accepted the valuation fee paid by you will be refunded by the lending institution. The valuation report will indicate the reinstatement value of the property and this will be the figure used by the lending institutions as the minimum amount of cover allowable for property insurance purposes for issue of the loan cheque. INSURANCES Mortgage Protection Insurance is needed to repay the mortgage in the event of death except under the provisions as stated in Part IX, S.126 of the Consumer Credit Act Insurance of the mortgaged property is also required, this must be issued in the name(s) of the borrower(s) with the lender s interest noted for an amount not less than the reinstatement value specified in the valuation report. You are free to arrange such insurances with any Insurance Company or Intermediary of your choice. INDEMNITY BONDS An Indemnity Bond may be required if the mortgage value is greater than a set percentage of the house value. This percentage varies depending on the lender chosen. Please consult the mortgage information sheet to identify if a bond is required, and if so at what percentage. DATA PROTECTION ACT Please note that the information provided by you in this application, together with any additional information, will be stored on computer and may be used to provide you with information about other products either by ourselves or by a third party. If you wish the information to be utilised for this purpose, please tick the box opposite. Telephone calls may be recorded for security purposes and monitored as part of our quality control procedures. Please be advised that your mortgage broker will be in receipt of commission for processing this mortgage application. This will in no way affect the price of the product or service that you receive. Your mortgage broker may also charge you an arrangement fee for processing this applciation and you will be asked to sign an agreement for this fee should it be charged. WARNING YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT. VARIABLE RATE MORTGAGE - THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME. ENDOWMENT MORTGAGE - THERE IS NO GUARANTEE THAT THE PROCEEDS OF THE INSURANCE POLICY WILL BE SUFFICIENT TO REPAY THE LOAN IN FULL WHEN IT BECOMES DUE FOR REPAYMENT. EARLY SURRENDER - IN THE EVENT OF EARLY SURRENDER OF THE LIFE INSURANCE POLICY IN RESPECT OF AN ENDOWMENT MORTGAGE, THE POSSIBILITY EXISTS THAT THE SURRENDER PROCEEDS COULD BE LESS THAN YOU HAVE PAID IN PREMIA AND OTHER CHARGES. O. YOUR CONSENT - MORTGAGE ADVISOR UNDER THE CONSUMER CREDIT ACT 1995, YOUR CONSENT IS REQUIRED FOR THE FOLLOWING: I/We hereby consent and agree that member of my/our family personally or by phone as follows: its servants or agents may contact me/us and any At Home Yes No Yes No At Work Yes No Yes No Leave message at home Yes No Yes No Contact employer Yes No Yes No I/We understand that my/our acceptance of any Letter of Approval will constitute a separate consent in compliance with Section 46 of the Consumer Credit Act

15 P. DIRECT DEBIT INSTRUCTION I/We authorise you, until further notice in writing, to charge to my/our account with you, on the of each month, unspecified amounts at the instance of the Originator by DIrect Debit The Manager Full address of your Bank branch Your bank may decline to accept instructions to charge Direct Debits to certain types of Account other than current accounts. FOR BANK USE ONLY Reference Number Bank Title Reference Number To Sorting Code Account Number Bank Sorting Code Account Number Account Name For Signature(s) Date Manager Date

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17 AIB Mortgage Bank (the Bank) Mortgage Application Form Part 2 Personal Details First Applicant: Second Applicant: Statutory Notices and other Notices Warning: The cost of your monthly repayments may increase - If you do not keep up your repayments you may lose your home. Warning: You may have to pay charges if you pay off a fixed rate loan early. Where Interest Only Option is availed of: Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period. WARNING YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT. THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME. Note: The above notice in respect of adjustments to repayment rates will not apply during any period when the loan is at a fixed rate. Note: If the Special Conditions specify a guarantee as part of the security for the Mortgage Loan, the Bank must notify the terms of the Mortgage Loan, and any changes to those terms, to the guarantor. If you or your dependants intend to use the property as a principal place of residence, you must show evidence of mortgage protection insurance, unless you are exempt under the Consumer Credit Act 1995 (you can seek this insurance through us or from other sources). Maximum loan to value of Owner Occupier Residential Properties 92% of purchase price or valuation whichever is lower. For Buy-To-Let/Investment Properties 75% of purchase price or valuation whichever is lower. Lending levels are subject to monthly repayment burden, typically not exceeding c. 35% of borrowers disposable income and will vary according to individual circumstances. Loan requests considered on the basis of proof of income, financial status and demonstrated repayment capacity (including capacity to repay at higher interest rates). Loans not available to people under 18. Mortgage loans require to be secured by a mortgage and charge on the subject property. A typical 100, year Variable interest rate mortgage for an Owner Occupier Residential Property with LTV greater than 80% will have monthly repayments of APR 3.54%. If the APR does not vary during the term of the mortgage, the total cost of credit i.e. total amount repayable less the amount of the mortgage, would be 38, The effect of a 1% increase in interest rates for such a mortgage will add to monthly repayments. A typical 100, year Standard Variable interest rate mortgage for a Buy-To-Let/Investment Property will have monthly repayments of APR 4.27%. If the APR does not vary during the term of the mortgage, the total cost of credit i.e. total amount repayable less the amount of the mortgage, would be 47, The effect of a 1% increase in interest rates for such a mortgage will add to monthly repayments. Surcharge Interest Arrears attract surcharge interest at 6% per annum in addition to the interest rate that applies to the loan. Surcharge can be avoided by making all repayments when due. Execution and registration of the mortgage deed will involve payment by you of your solicitor s fees, outlays and registration fees. The amount of solicitor s fees can be determined by negotiation with your solicitor, who will also inform you of the amount of the outlays and registration fees. We will charge you 60 for executing a discharge, release or vacate of a mortgage. The following is applicable only where the interest rate is FIXED for a period of at least one year: During any period when a fixed interest rate applies, the Lender may agree: (i) to allow full or partial out of course repayment ( prepayments ), or (ii) to convert the facility to a variable interest rate or to an alternative fixed interest rate ( conversions ) Prepayments, conversions and early repayment following demand by the Lender will be subject to the payment by you of an early breakage cost calculated using the following formula: Early breakage cost = A x U x D%, where A is the amount of the prepayment or early repayment following demand by the Lender, or the amount of the conversion, and U is the unexpired term of the fixed interest rate period, and D is the difference between the fixed interest rate applying to the facility and the fixed interest rate which would then apply to the facility for the amount of A for the term of U. E.G.: 7% for 60 months, full repayment after 36 months, current prevailing rate for 24 months = 5% early breakage cost 4,000 (100K X 24/12 X 2%=4,000) Rates and repayments correct as at 11/08/2010. Lending criteria, terms and conditions apply. Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank in relation to origination and servicing of mortgage loans and mortgages. AIB Mortgage Bank and Allied Irish Banks, p.l.c. are regulated by the Central Bank of Ireland. Allied Irish Banks, p.l.c. and AIB Mortgage Bank subscribe to the Voluntary Code of Conduct on pre-contractual information for home loans. A copy of the Code is available on request. Endowment Mortgage Loans Warning: THERE IS NO GUARANTEE THAT THE PROCEEDS OF THE INSURANCE POLICY WILL BE SUFFICIENT TO REPAY THE LOAN IN FULL WHEN IT BECOMES DUE FOR REPAYMENT. In the event of early surrender of the life insurance policy in respect of an endowment loan, the possibility exists that the surrender proceeds could be less than has been paid in premium. Consent to Communicate I/We consent to members of AIB Group and their respective authorised agents visiting or telephoning me/us at my/our place of work at any time for the purpose of this application and for the duration of the loan. If you do not wish this condition to apply, please indicate by crossing out this paragraph and initialling. TRANSFER OF MORTGAGES i.e. SECURITISATION Your attention is drawn to the possibility that the Bank, in common with many other mortgage lenders worldwide, may decide to securitise some of its mortgages. Financial Institutions are limited in the amount they can lend by the level of their capital and, in order to release capital to capitalise future lendings, including mortgage lending, mortgages may be transferred to investors. This practice is known as securitisation. Relevant investors include the world's major financial institutions. In practice, you should not be aware of any effect from securitisation because the Bank will continue to deal in all matters relating to your mortgage, including the setting of interest rates and the handling of arrears, subject to the powers and discretion of the transferee under such a scheme. If your application is approved, you will have the benefit of your solicitor's advice on the matter, before committing yourself to the mortgage.

18 Information about your Mortgage Distance Contract European Communities (Distance Marketing of Consumer Financial Services) Regulations Note: This information document applies to you if you have dealt with us or your Mortgage Broker at a distance e.g. by phone, internet, or post. In other words, where there is no face to face contact between you and AIB Mortgage Bank, or the Mortgage Broker/ Intermediary who applied for the loan on your behalf. About Us We are AIB Mortgage Bank whose principal business is the provision of mortgage credit. Our registered office is at Bankcentre, Ballsbridge, Dublin 4. We are registered at the Companies Registration Office, Dublin. Our registered number is Our VAT number is IE A. We are regulated by the Central Bank of Ireland. The Mortgage Broker who applied for the Mortgage Loan on your behalf is a registered Mortgage Intermediary who holds a Letter of Appointment from us. About our Home Mortgages The Mortgage Loan is a loan repayable to us by instalments over an agreed term at fixed or variable interest rates, secured by a mortgage / charge on your property. Typically the instalments are paid by direct debit. The total price of the Mortgage Loan is made up on interest at our published Mortgage Loan rate(s) appropriate to the mortgage loan. If you want an indication of what your repayment instalment would be, telephone , or visit our website The exact amount will be shown on your Letter of Offer if you proceed. You may also have to pay other expenses such as stamp duty, registration fees, valuation fee and your solicitor s fees in relation to the mortgage as well as mortgage protection insurance and home insurance. Under the Regulations you do not have the right to cancel a Mortgage Loan. You can however repay a Mortgage Loan at any time by paying what you owe us including interest. Breakage costs may apply to a fixed rate mortgage loan. If you break the terms of the agreement we can demand repayment of what you owe us including interest. The agreement will be governed by the laws of Ireland and the Courts of Ireland will have exclusive jurisdiction to resolve any disputes. The agreement and all information and communication with you will be in English. What to do if you have a complaint We want to ensure that any concerns you may have are dealt with quickly and efficiently. If you do have a complaint please write to the Service Delivery Manager, Allied Irish Banks, p.l.c., Home Mortgages, Bankcentre, Ballsbridge, Dublin 4 or us at [email protected] or write to our Customer Support Centre at Bankcentre, Ballsbridge, Dublin 4. If you are not satisfied with our response you are entitled to take your complaint to the Financial Services Ombudsman s Bureau at 3rd Floor Lincoln House, Lincoln Place, Dublin 2. Statutory Warnings Consumer Credit Act, 1995 WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT. WARNING: (Variable rate loans) THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME. The above notice in respect of adjustments to repayment rates will not apply during any period when the loan is at a fixed rate. WARNING: (Endowment loans) THERE IS NO GUARANTEE THAT THE PROCEEDS OF THE INSURANCE POLICY WILL BE SUFFICIENT TO REPAY THE LOAN IN FULL WHEN IT BECOMES DUE FOR REPAYMENT. In the event of early surrender of the life insurance policy in respect of an endowment loan, the possibility exists that the surrender proceeds could be less than has been paid in premium. Surcharge Interest Arrears attract surcharge interest at 6% per annum in addition to the interest rate that applies to the loan. Surcharge can be avoided by making all repayments when due. Data Protection Notice - Use of Information This Notice explains what AIB and AIB Group will do with your information so that you can decide whether or not to provide that information to us. AIB refers to Allied Irish Banks, p.l.c. and AIB Group refers to Allied Irish Banks, p.l.c., its Irish subsidiaries, affiliates and their respective parent and subsidiary companies. The information that you provide will be held by AIB Group on a computer database and/or in any other way. We will use this information; To administer the products and services that we supply to you and any future agreements that we may have with you, and to manage and develop AIB Group's relationship with you. For direct marketing purposes, where you have given your permission to do so, to advise you of products or services of AIB Group. If you wish to change your preferences at any time, please write to us to let us know at your local AIB branch or the Data Protection Unit, Allied Irish Banks, p.l.c. Bankcentre, Ballsbridge, Dublin 4. To carry out searches (including verifying your identity and/or a credit search) and disclose information to credit reference agencies for the purpose of assisting applications for credit and credit related services and for ongoing credit review. We may use credit scoring techniques and other automated decision making systems to assess your application. If you borrow or enter into a financial obligation, or may do so, we may give details of your agreement(s) /account(s) and how you conduct your agreement(s)/account(s), to licensed credit reference agencies on a regular basis. Licensed credit reference agencies will record details of each type of search AIB Group makes whether or not your application proceeds. To prevent and detect fraud. Customer information can be used to prevent crime and trace those responsible. We may check your details with fraud prevention agencies. If you give us false or misleading information and we suspect fraud, we will record this. To carry out statistical analysis and market research; in this connection, we may use the services of a reputable external agency. We may record telephone conversations to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes. Our websites use cookie technology. A cookie is a little piece of text stored by your browser on your computer, at the request of our server. We may use cookies to deliver content specific to your interests and to save your personal preferences so you don t have to re-enter them each time you connect to the Internet. Under the Data Protection Acts you have the right of access to information we hold about you on our records on payment of a nominal fee (currently 6.35). You can exercise this right by writing to your local AIB branch or to the Data Protection Unit, Allied Irish Banks, p.l.c., Bankcentre, Ballsbridge, Dublin 4. If anything is inaccurate or incorrect, please let us know and we will correct it. There is no fee for this. If you decide to proceed with this application or have any other communication with AIB Group through or in relation to its products and services you consent to the use by AIB Group of your personal data as indicated above. Declarations I/We agree that this application may form the basis of a proposal by the Bank to an insurance company for mortgage indemnity insurance purposes, and the information contained may be disclosed to any prospective insurer for such purpose. I/ We hereby request (in the event of the application being approved) the Bank to send any letter of offer and mortgage documentation or, if a solicitor has not yet been instructed, to my/ our solicitor as notified by me/ us to the Bank. I/We hereby authorise AIB Group to procure credit references from a credit reference agency or agencies and to make such enquiries as any member of AIB Group may deem necessary in connection with this application. I/We hereby confirm that the information which I/we have provided above is true and correct. I/We hereby confirm that the authorisation contained herein to disclose information constitutes a consent for the purposes of the Data Protection Acts, 1988 and Signature of First applicant Date Signature of Joint applicant (if any) Date For Bank use only Introduced by AIB/HP15B (02/11)

19 14. Declaration, Authorisation and Consents Name of first Applicant Name of second applicant Loan Amount Application Number Please read carefully before signing this form. In this consent: The Society means the ICS Building Society. contracted agents means entities which have contracted with the Society to assist it in the conduct of its business or in providing services to me. I, me, my is a reference to each of us where more than one of us have signed this form. personal details means information concerning me which the Society has including information given by me or others verbally or in writing, information contained in application forms and records of my transactions with the Bank of Ireland Group. Consent under Consumer Credit Act 1995 (Optional) I hereby consent to ICS Building Society and its Agents being able to contact me at my place of work (this is optional you do not have to give this consent). First Applicant Second Applicant Consent to Direct Marketing (Optional) The Data supplied by you to ICS Building Society will be used to provide you with information about other products and services ICS Building Society has arranged for you with a third party, by post, telephone, , fax or other lawful means. You can, at any time, ask the Society to stop or change the methods by which the Society may send you marketing materials. Please tick the box if you do not want to receive this information Declarations, Authorisations and Consents 1. I apply to the Society for a mortgage loan and declare that the information and Data given and documentation furnished by me is true and correct, to the best of my knowledge, information and belief. 2. I declare that I have never been insolvent and have never made arrangements with creditors and have never been involved in any court proceedings for debt. 3. I authorise the Society to make all reasonable enquiries of my accountant, solicitor, mortgage lender, broker and/or any other person, in connection with and arising from my application and any aspect thereof. 4 I hereby consent for the purposes of the Consumer Credit Act 1995 to the Society being able to contact my employer for income verification purposes. 5. I authorise the Society to appoint an agent to act on its behalf in processing and administering this application and/or any mortgage loans that may be granted to me. 6. By signing this form I consent to the Society and its contracted agents storing, using and processing my personal details:- (a) to manage and administer my accounts, policies or other financial products; (b) to process my applications for credit or financial services; (c) to carry out business and market research and compile statistics; (d) to help detect fraud and dishonesty; (e) to enable business units in the Society share or access my personal details for the purposes set out in this consent (but not for the purposes of direct marketing where I have indicated to the Society I do not want it); (f) to contact me by post, telephone, text message, electronic mail, facsimile or other means but not in a way contrary to my instructions to the Society or contrary to law or regulation; (g) (where I apply for or avail of a credit facility) to carry out credit reviews including automated credit decision processes and to obtain details of my credit history from the Irish Credit Bureau ( ICB ) or other credit rating agency; (h) (where I have not indicated otherwise to the Society) to directly market the products and services of the Society or of suppliers selected by the Society using a form of communication permitted by me under paragraph (g) above; and (i) to establish my identity, residence and tax status in order to comply with law and regulation concerning taxation and the prevention of money laundering or terrorist financing. I consent to the Society disclosing my personal details:- 1) (where I apply for or avail of a credit facility) to the ICB or other credit rating agency and I also consent to the ICB or other credit rating agency disclosing details of my credit history (and using those details for credit scoring purposes) to the Society or other institutions to which I apply for credit facilities; 2) to facilitate a potential or actual transfer of any loan or product provided to me or in connection with a securitisation; 3) to its contracted agents and to recipients abroad but only for purposes indicated in this consent and only where the Society complies with Irish data protection law in doing so. This consent does not limit any other consent I have given (or may give) to the Society to process or disclose my personal details. 7. I hereby declare and confirm that each and every one of the foregoing authorisations and consents contained herein to disclose personal data and all or any other information to any third party constitutes a consent for the purposes of the Data Protection Acts, 1988 and 2003 and any amending or extending legislation or any European Union regulation or directive. 8. I declare that where the security for this mortgage loan application is a holiday home, it is for my personal use and no rental income will be derived from it. 9. I declare and agree that I will pay any reasonable costs and expenses incurred by the Society in dealing with this application, whether or not a loan is received by me. 10. I declare that I have read and understand the Consumer Credit Act Notices, which are set out on the following page. First Applicant Second Applicant Date Date ICS Building Society is a member of Bank of Ireland Group. Bank of Ireland and ICS Building Society are regulated by the Central Bank of Ireland. ICSBR-01/01/12

20 15. Consumer Credit Act and Consumer Protection Code Notices Endowment Loans If you choose an endowment loan, and the insurer does not guarantee that the proceeds of the policy will be enough to repay the loan when due, please note: WARNING: THERE IS NO GUARANTEE THAT THE PROCEEDS OF THE INSURANCE POLICY WILL BE SUFFICIENT TO REPAY THE LOAN IN FULL WHEN IT BECOMES DUE FOR REPAYMENT. You should also note that in the case of endowment loans, early surrender of the policy may mean that you get back less than you paid in premia and other charges. Early Repayment If you repay your mortgage loan early when you are on a variable rate of interest, we charge no redemption fee. If you repay your mortgage loan when you are on a fixed rate of interest, it is likely we will suffer a funding loss. If we suffer such a loss you must pay us compensation when we ask you to pay it. Such compensation will be equal to C where: C = A x (R%-R1%) x D and 365 A = the amount repaid early (or the amount which is changed from the fixed rate to a new rate) averaged from the date of early repayment (or rate change) to the end of the fixed rate period to allow for scheduled repayments (if there are any) and interest charges. R% = the annual percentage interest rate which was the cost to us of funding an amount equal to A for the originally intended fixed rate period. R1% = the annual percentage interest rate available to us for a deposit of an amount equal to A for a period equal to D. D = the number of days from the date of early repayment (or rate change) to the end of the fixed period. Here is a worked example: Amount = 250,000 R = 5 % R1 = 3% D = 2 years or 730 days C = 250,000 x (5%-3%) x So, C = 250,000 x 2% x C= 10,000 Arrears If you do not pay us a repayment installment or other sum of money by the date you were due to pay it, we may charge you a default interest rate of 0.5% per month or part of a month (which is 6% per annum) on the unpaid sum. This default interest is added to normal interest. We do not charge borrowers default interest when they are both(a) in a Mortgage Arrears Resolution Process under the Central Bank s Code of Conduct on Mortgage Arrears: and (b) are cooperating reasonable and honestly with us. Fees and Costs The Society requires that a valuation be carried out by a valuer acceptable to the Society (see below) and that the appropriate fee be paid by you directly to the valuer. The amount of the fee will be determined by reference to the value of the property, and if any loan agreement is withdrawn the payment may be refunded. Legal fees (excluding costs associated with the Society s legal investigation of title for the purpose of the mortgage) are payable by the borrower to his or her solicitor. The amount will depend upon the arrangements made between these parties. A fee will also apply for certain non-standard services as follows: Duplicate Statement, Duplicate Interest Certificate, Unpaid Direct Debit. The following additional costs will be payable by the borrower for buy-to-let properties and principle dwelling housing whereby loan amount is 1.5 million or over : 1. The borrower must reimburse the Society for the legal costs incurred by the Lender in effecting the Lender s Security and related tasks (excluding costs associated with the Society s legal investigation of title for the purpose of the mortgage); 2. The outlay and fees payable to state agencies for the registration of the Lender s Security, which must be remitted to the borrower s solicitor. The Lender s legal costs to be reimbursed by the Borrower are the following: a) The Lender s solicitor s professional fee of 950 plus Value Added Tax per property b) Outlay and fees payable to state agencies for the registration of the Lender s Security which shall not exceed 300 per property. The Lender s legal costs, once paid by the Borrower, are not refundable. Typically, these must be paid at closing of the transaction. Valuation The Society requires that a valuation be carried out on the property(ies) offered as security. This valuation must be completed by a valuer acceptable to the Society and any such valuation or report remains the property of the Society. No responsibility whatsoever is implied or accepted or warranty given by the Society for the value or condition of the property by reason of such valuation. You are strongly recommended to arrange an independent valuation and structural survey of the property(ies). You are responsible for payment of the valuation fee. If the loan is refused the valuation fee may be refunded to you. Please note that a valuation report should only be arranged after you have received a Letter of Offer. You are entitled to your own copy of the valuation report. Regulatory ICS Building Society is a member of the Bank of Ireland Group. Bank of Ireland and ICS Building Society are regulated by the Central Bank of Ireland. WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT. WARNING: IF YOU DO NOT MEET THE REPAYMENTS ON YOUR CREDIT AGREEMENT, YOUR ACCOUNT WILL GO INTO ARREARS. THIS MAY AFFECT YOUR CREDIT RATING, WHICH MAY LIMIT YOUR ABILITY TO ACCESS CREDIT IN THE FUTURE. WARNING:THE PAYMENT RATES ON A VARIABLE RATE HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME WARNING: THE ENTIRE AMOUNT THAT YOU HAVE BORROWED WILL STILL BE OUTSTANDING AT THE END OF AN INTEREST-ONLY PERIOD WARNING:YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED-RATE LOAN EARLY. WARNING:THIS NEW LOAN MAY TAKE LONGER TO PAY OFF THAN YOUR PREVIOUS LOANS. THIS MEANS YOU PAY MORE THAN IF YOU PAID OVER A SHORTER TERM. ICSBR-01/01/12

21 16. Acknowledge Receipt of Documentation Please confirm receipt of the following ICS Building Society documents by ticking the box and signing below. Fees & Charges Brochure General Mortgage Brochure I declare that I have received the above documentation. First Applicant Date: DD MM YYYY Second Applicant Date: DD MM YYYY 17. Help us to help you Please complete this section to support your application or to provide any additional information that may be relevant, such as the details of funds gifted to you to assist with a purchase, or details of accounts previously held with the Society. Please remember to complete the Declaration Authorisation and Consent in section 14 and the Checklist in section 18. ICSBR-01/01/12

22 mortgage application for credit interdediary mortgage centre st stephens green, dublin 2 account no: permanent tsb p.l.c. is regulated by the Central Bank of Ireland. personal details applicant s name(s): address of property to be mortgaged: details of mortgage required purchase price/value of property: amount of loan required mortgage type: repayment term required valuation permanent tsb will require a valuation of and certain other information about the property you wish to buy and/or mortgage. The valuation report, of which you will obtain a copy, is designed specially for the needs of permanent tsb to help us decide if the property represents adequate security for the loan you require. The valuation report will be based on a limited inspection and is not intended to be a structural survey nor a condition report. It is important that you should not rely in anyway on the valuation report. It is possible that there are defects in the property which are not reported but which a more detailed inspection would reveal. This means that the valuation report may not make you aware of defects which could affect your decision to buy. permanent tsb recommends that you obtain a more comprehensive report or structural survey. insurance Life Assurance It is a condition on all repayment loans that Mortgage Protection Cover is effected before the loan cheque issues, permanent tsb can arrange this through a special scheme and the premiums will be incorporated in the monthly repayments for the duration of the loan. Alternatively applicants can make their own arrangements but the cover must meet permanent tsb requirements. Independent cover must be in place before the loan cheque is issued. Property Insurance It is a condition on all loans that property insurance is effected before the loan cheque issues. permanent tsb can arrange this through a special scheme and the premiums will be incorporated in the monthly repayments for the duration of the loan. Borrowers have the right to effect and maintain such insurance as is required by permanent tsb with any recognised insurer or through any authorised agency of their choice. If you wish to exercise this right, you must notify permanent tsb on acceptance of a loan offer (if any) and on receipt of said notification permanent tsb shall inform you of its detailed insurance requirements. The loan will not be issued until permanent tsb s insurance requirements have been complied with to permanent tsb s reasonable satisfaction. Where the borrower ceases to maintain adequate insurance cover for the property at any time during the period of the loan agreement, permanent tsb may insure the property through its agency for not less than the estimated cost of reinstatement. The borrower will be liable for the premium monthly / annually for the duration of the loan. direct marketing Provided you have given consent, information provided by you (whether in the application for the Account or otherwise) and any information relating to the conduct of the Account may be used by us to: (i) transmit to you information relating to other products, services, special offers, promotions, competitions run by us or other companies in the permanent tsb Group or other carefully selected third parties which we think you may find of interest; and (ii) provide such information to other companies in the permanent tsb group ( Group means the permanent tsb Group, a financial services group principally comprising banking companies) or to other carefully selected third parties so that they can transmit to you details of their products, services, special offers, promotions and competitions. If you do not wish to receive such direct marketing information please tick here. The fact that you choose not to receive such information will not affect your application for the Account, but remember the Bank will not be able to notify you of other products and services, special offers and promotions and competitions. If you later decide you would like to receive or discontinue receiving this information you can write to Marketing Department, permanent tsb, 56/59 St. Stephen s Green, Dublin 2. signature & declaration I/we declare that I/we am/are of full age and I/we hereby make application for an advance with permanent tsb upon mortgage of the property described above. I/we declare that the foregoing statements and particulars and any other information I/we have given to permanent tsb to be strictly true, to the best of my/our knowledge and belief. I/we acknowledge that, in order to process this loan application, permanent tsb its servants and agents will hold and process information in connection with this application (together with such other information supplied to or obtained by permanent tsb separately) and will hold and process same for administrative, customer care and service purposes and the statistical purposes of the Department of the Environment, Community and Local Government where required by that Department. permanent tsb may also pass this information to other companies within the permanent tsb group in connection with those purposes. I/We further authorise permanent tsb to supply such information as I/we have given to permanent tsb to an insurance company, if it is necessary, to obtain a suitable Mortgage Indemnity Policy. I/we have read the section above headed Valuation and I/we understand that I/we should not rely on the valuation report in any way in deciding whether or not to purchase the property. I/We understand that if, contrary to the permanent tsb recommendation, I/we do not request or obtain an independent structural survey for my/our own purposes, I/we run the risk that the property may suffer from serious defects which are not mentioned in the Valuation Report and that the Report may be defective, or may be inadequate for my/our purposes. I/We further understand that should permanent tsb grant a loan, this does not signify an assurance or guarantee that the property is soundly constructed and free from defects. I/We note that if I/we are approved by permanent tsb for a loan that at any time before the completion of the mortgage transaction permanent tsb has the right to withdraw or vary the approval subject to applicable law. In the event that I/we wish to change any of the details on the application, the changes will be recorded on the loan approval without the necessity of re-signing a further application form. I/We have had the necessary time to consider and query the information provided to me in relation to my application I/We hereby consent to the transfer of the benefit of the mortgage to any other person. signatures Signature of first applicant: Date: Signature of second applicant: Date:

23 important notices Consent under the consumer credit act 1995 Under the Consumer Credit Act 1995 a customer s consent is required if the customer wishes permanent tsb to be able to telephone him/her at his/her place of employment/business in connection with a Credit Agreement. From time to time permanent tsb may need to contact you during working hours in connection with the Account. Should you wish to give your consent you should sign this part. I/we hereby consent to permanent tsb contacting me/us by telephone at my/our place of employment/business. signature of first applicant: date: signature of second applicant: date: credit reference searching & reporting You have the right at any time to request from any credit reference agency a copy of any personal data within the meaning of the Data Protection Act 1988 (as amended or re-enacted from time to time) that such a credit reference agency hold about you (for which they may charge a small fee) and to have inaccuracies in that information corrected. permanent tsb may from time to time make searches against you on the records held by credit reference agencies. When such a search is made the credit reference agencies will keep a record for a period (usually a year) that the search has been made. permanent tsb may also provide information to credit reference agencies concerning this application and the manner in which the Account was conducted. For this permanent tsb requires your consent. Please note that if you do not consent permanent tsb will not be able to consider your application. I/We authorise permanent tsb to carry out credit reference searches against me/us. I/We acknowledge that such credit reference agencies will record that such a search has been made and disclose that fact to their members for a period of at least one year. I/We also authorise that permanent tsb provide information concerning this application and the conduct of the Account to credit reference agencies. signature of first applicant: date: signature of second applicant: date: sharing information authorisation I/We confirm that I /we authorise my/our intermediary to obtain any data or information from permanent tsb in relation to my/our mortgage with permanent tsb and also in respect of any future mortgage(s) where arranged through the same intermediary unless I/we specify otherwise and such data and information may include redemption amount(s) in relation to such mortgage(s) where such amount(s) has/have been requested by me/us (but will exclude information relating to the conduct of such mortgage(s). (All parties to sign). signature of first applicant: signature of second applicant: data protection notice ACCESS TO PERSONAL DATA. You have the right at any time to request a copy of any personal data within the meaning of the Data Protection Acts 1988 to 2003 (as amended, re-enacted or replaced from time to time) that we hold about you (for which we may charge a small fee) and to have inaccuracies in that information corrected, by writing to Data Access Request, Document Management Control, permanent tsb, 56/59 St Stephen s Green, Dublin 2. Important information including consumer credit act 1995 and distance marketing Please note carefully the following information relating to Housing Loans within the meaning of the Consumer Credit Act WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT. VARIABLE RATE LOANS - THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME. FIXED RATE LOANS: Whenever (i) repayment of a loan in full or in part is made or (ii) with the agreement of permanent tsb, the loan is switched to a variable rate loan or other fixed rate loan, before expiry of the Fixed Rate Period (hereinafter called the Early Termination ), the applicant shall, in addition to all other sums payable as a condition of and at the time of the Early Termination, pay a sum equal to the permanent tsb s estimate of the loss (if any) arising from the Early Termination. In the calculation of the said loss, permanent tsb shall endeavour to apply in so far as it is fair and practicable, the formula C=(I-S) x R x (M-T) where C is the charge to compensate for the loss (if greater than 0), I is the swap/market fixed interest rate for the term of the Fixed Rate Period at the date of its commencement, S is the swap/market interest rate for the remaining fixed period, R is the amount of the Fixed Rate loan balance paid or switched at the date of Early Termination, M is the Fixed Rate Period and T is the time expired of the Fixed Rate Period at the date of Early Termination ARREARS: Interest will be applied to the outstanding balance of the loan. This balance includes any element of unpaid interest and charges which will accrue interest on the rate applicable to the account. VALUATION: A valuation must be carried out on the property you intend buying and a valuation fee must be paid. The maximum valuation fee is e130 which includes VAT but excludes valuer s travel expenses. The valuer s travel expenses are: 1-10 miles = Nil; miles = 6; miles = 8. Properties incomplete at the time of the original valuation will require, on completion, a final valuation, the fee for which is e65 which includes VAT but excludes travel expenses. Additional loans will require an Opinion of Value ( drive by valuation) the fee for which is e65 which includes VAT but excludes travel expenses. The valuation fee is refunded if the application is not accepted. OTHER: Security and Insurance are required. Subject to current lending criteria and terms and conditions. Please note that if you require your Solicitor to take up your title deeds on Accountable Trust Receipt in the future (unless you are taking out a new mortgage with permanent tsb) there is a fee of e35. There is also a fee of e35 for vacating or releasing your mortgage. WARNING: If you do not keep up your repayments you may lose your home. WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating which may limit your ability to access credit in the future. WARNING: The cost of your monthly repayments may increase. The following warning applies in the case of Fixed Rate loans: WARNING: You may have to pay charges if you pay off a Fixed Rate loan early. The following warning applies in the case of interest only/bridging loans: WARNING: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period. Where the purpose of the loan is for debt consolidation WARNING: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.

24 general distance marketing information housing loan NOTE: THIS INFORMATION DOCUMENT APPLIES TO YOU IF YOU HAVE DEALT WITH US AT A DISTANCE E.G. PHONE, INTERNET OR POST. IN OTHER WORDS WHERE THERE IS NO FACE TO FACE CONTACT BETWEEN YOU AND US OR BETWEEN YOU AND A MORTGAGE BROKER/INTERMEDIARY. This information is supplied to you in accordance with our obligations under the European Communities (Distance Marketing of Consumer Financial Services) Regulations 2004 as amended. information about us 1. We are permanent tsb p.l.c. Our main business is banking and our principal place of business is St. Stephen s Green, Dublin We are a public limited company registered with the Companies Registration Office under registration number and we are a licensed bank regulated by the Central Bank of Ireland. We are an insurance intermediary for Financial Insurance Company Limited (trading as Genworth Financial) and Allianz plc and a tied assurance agent of Irish Life Assurance plc. If you have been introduced to us by a mortgage broker/intermediary you will be aware of their identity and address. information about the financial service 3. The purpose of this schedule is to summarise for you the key features of our housing loans. Those key features are: housing loans are available to persons who meet our credit criteria; housing loans (including interest) are repayable over an agreed period normally between 10 to 35 years by monthly or other periodic instalments; there are a number of different types of housing loan which may be repaid as follows; - in the case of an annuity or repayment loan, by repayments of principal and interest; or - in the case of a bridging loan either by monthly repayments comprising of interest only with the principal being repaid on expiry of the loan term or by deferral of all repayments until expiry of the loan term whereupon the principal and all interest accrued thereon are repaid. interest on housing loans is payable at a rate which will vary over the term of the loan in accordance with prevailing interest rates or, if we so agree at your request, our applicable fixed rate for fixed periods; housing loans are secured by a mortgage over your property and any additional security that may be required by us; if you make any default in repayment, we may repossess your property on foot of the mortgage and realise any security given to us and you must pay to us the costs and expenses that we incur in recovering payment from you; Fees - A valuation report fee is payable, the maximum fee being which includes VAT. A valuers travel expenses are payable as follows: miles = nil miles = miles = 8.00 A fee of is charged for any request to release your title deeds to your solicitor and also for vacating or releasing your mortgage. these and the other applicable terms and conditions will be set out in a contract which will be signed by you and us and the mortgage which you give us over your property. 4. There may be additional costs or taxes payable by you which are not paid by us or imposed by us such as stamp duty, registration fees and your solicitor s fees and mortgage protection insurance and home insurance premiums. 5. This information is correct at the date it is sent to you. The examples of the total cost payable by you are illustrative only, and the actual total cost will depend on prevailing rates of interest, in the case of a variable rate loan, throughout the period of the loan, and, in the case of a fixed rate loan, at the time the loan is drawn down. your right to cancel the contract 6. You do not have a right to cancel the contract once you have drawn down a housing loan but you may repay a housing loan early as outlined in the next paragraph. your right to terminate the contract 7. You may at any time repay all or part of the loan early. If the interest rate on the loan is variable, there is no early repayment fee. If the interest rate on the loan is fixed, an early repayment fee is payable whenever (i) repayment of a loan in full or in part is made or (ii) with the agreement of permanent tsb, the loan is switched to a variable rate loan or other fixed rate loan, before expiry of the Fixed Rate Period (hereinafter called the Early Termination ), the applicant shall, in addition to all other sums payable as a condition of and at the time of the Early Termination, pay a sum equal to the permanent tsb s estimate of the loss (if any) arising from the Early Termination. In the calculation of the said loss, permanent tsb shall endeavour to apply in so far as it is fair and practicable, the formula C=(I-S) x R x (M-T) where C is the charge to compensate for the loss (if greater than 0), I is the swap/market fixed interest rate for the term of the Fixed Rate Period at the date of its commencement, S is the swap/market interest rate for the remaining fixed period, R is the amount of the Fixed Rate loan balance paid or switched at the date of Early Termination, M is the Fixed Rate Period and T is the time expired of the Fixed Rate Period at the date of Early Termination 8. If you fail to make any payment due to us in respect of the loan or, if any of the other events of default which will be specified in the contract between us for the loan were to occur we may call for the immediate repayment of the loan together with all accrued but unpaid interest thereon and all other costs and expenses payable under the contract. We may also enforce our mortgage over your property and sell it and realise any security given to us and apply the proceeds of sale in repayment of the loan and all interest and costs and expenses. governing law and body 9. All our dealings with you, and all contracts between us, will be governed by the laws of Ireland. 10. All contracts between us, all information, which we supply to you, and all other communications with you will be in English. complaints procedures 11. We aim to provide a friendly and efficient service to our customers and it is our policy to ensure that all your concerns are dealt with fairly and promptly. 12. If you have a complaint please telephone or write to: Customer Relations Department permanent tsb Churchyard Lane Douglas Cork. Phone: Fax: [email protected] 13. If you are dissatisfied with the outcome of our efforts to resolve your complaint you may refer your complaint to: Financial Services Ombudsman s Bureau 3rd Floor, Lincoln House Lincoln Place Dublin 2 Lo-call: Telephone: [email protected] BMG0047 (06/12)

25 KBC Bank Ireland Homeloan Application Declaration, Authorisation and Consent KBC Bank Ireland Sandwith Street, Dublin 2 Tel Fax [email protected] Your Personal Details - All Applicants Primary applicant Secondary applicant / Guarantor Surname Mr/Mrs/Miss/Ms/Dr Surname Mr/Mrs/Miss/Ms/Dr First name Date of birth / / First name Date of birth / / Maiden name Sex M F Maiden name Sex M F Address Address Please state county. If Co. Dublin specify Dublin City/South Dublin/Fingal/Dun Laoghaire-Rathdown. If Co. Tipperary specify North or South. For counties Cork, Limerick, Waterford and Galway you must specify if city or county. Occupation Occupation Mobile Number Work Mobile Number Work Address Address Country of Birth Nationality Country of Birth Nationality Place of Birth (County/City) Length of time at current address Last address if less than 3 years at above address Place of Birth (County/City) Length of time at current address Last address if less than 3 years at above address Are you: Married Remarried Single Separated Are you: Married Remarried Single Separated Divorced Widowed Cohabiting Divorced Widowed Cohabiting Are you: Owner Private Rented Local Authority Rented Are you: Owner Private Rented Local Authority Rented Living with relatives Other (if renting - monthly rent ) Living with relatives Other (if renting - monthly rent ) Number of children Ages Number of children Ages Are there any other persons over the age of 17 years, who will occupy the property? YES NO If yes, how many? Applicant 1 Applicant 2 1. Are you an employee or director of KBC Bank Ireland plc? Yes No Yes No If YES, please provide details: Applicant 1 Applicant 2 2. Are you connected to an employee of KBC Bank Ireland plc? For example a spouse, domestic partner or child? Yes No Yes No If YES, please provide details of connection: Are you aware of any known future changes to your circumstances which may affect your ability to repay the proposed mortgage? YES NO If yes please give details: Your Declaration and Authority The following must be read carefully by all applicants. I/We expressly declare that the information given on this form, the mortgage application form and any supporting documentation submitted to KBC Bank Ireland plc is true and accurate to the best of my/our knowledge and belief and that all facts relevant to this form, the mortgage application form and any supporting documentation have been disclosed. Distance Marketing Information This information is supplied to you in accordance with our obligations under the European (Distance Marketing of Consumer Financial Services) Regulations Information about us 1. We are KBC Bank Ireland plc. Our main business is lending and the provision of other financial accommodation to our clients and our principal place of business is Sandwith Street, Dublin We are a public limited company registered with the Companies Registration Office under registration number Information about the Financial Service 3. The purpose of this schedule is to summarise for you the key features of our Housing loans. Those key features are: housing loans are available to persons who meet our credit criteria; housing loans (including interest) are repayable over an agreed period of time, normally, but not exclusively, 25 years by monthly instalments; interest on housing loans is payable at a variable rate or, if we so agree at your request, our applicable fixed rate for fixed periods;

26 Fees A Valuation fee in the amount of is payable to the mortgage intermediary by the applicants. Stage Valuation or Interim / Final Inspection fees of may be charged. A charge of 1.00 per month is made for each house insurance premium instalment by direct debit. A charge of 6.35 may be charged for a giro payment book. A charge of plus government stamping fee may be charged when switching from investment method to annuity method repayment and vice versa. A copy of legal papers may be charged at 6.35 (max 38.00) per item and a charge of may be made for duplicate mortgage statements. A charge of 6.35 may be made for a duplicate Interest Certificate. A charge of may be made for processing each unpaid monthly mortgage instalment. A call out charge of may be made for a staff visit. A summons-serving fee of 19 may be charged. Possession Order serving costs of 19 may be charged. A once-off charge of may be made on an account if the account is referred to a solicitor with instructions to commence legal action to recover the mortgage property. Letters for outstanding mortgage instalments may be charged at a cost of A mortgage deeds sealing fee of 38 may be charged. A charge of may be made in respect of alterations to the title deeds. A fee of 38 may be charged for the release of Deeds on Accountable Trust Receipt. A charge of 6.35 may be made for releasing information under Data Protection Act. Alterations to Mortgage Product - Fees: Each alteration to the mortgage product (inc rate) may be charged at a cost of 38, the processing of each update to property insurance details may be charged at a cost of 30 and the processing of each updated life assurance details at a cost of 30. Housing loans are secured by a mortgage over your house; These and the other applicable terms and conditions will be set out in a contract which will be signed by you and us. Additional Fees An 'Arrangement fee' equal to 0.5% of the mortgage loan amount may be payable by the applicant when the loan cheque is ready for issue. An 'amended letter of offer' fee of may be payable by the applicant. In addition to the costs and fees detailed above and subject to the provisions of the Consumer Credit Act 1995, the Lender may from time to time incur other costs, fees and expenses in connection with the management of the loan and the enforcement and protection of its rights in connection with the loan and the security for the loan. Such costs are for the account of the borrower. Other costs, fees and expenses may include third party fees due to professional advisors appointed by the Lender at its discretion to provide services in connection with the property taken as security for the loan including without limitation Quantity Surveyors, engineers and architects. Any such third party fees shall be discharged by the borrower directly to the third party on demand from the Lender and/or the third party. The Lender shall endeavour where possible to provide the borrower with an estimate of these fees in advance. 4. The following table is provided a guide to the repayment amount and level of total cost of credit. Term Typical Annual Percentage Rate (APR) Repayment per 1,000 per month Cost of Credit* , , , , * Based on a mortgage of 100, There may be additional costs or taxes payable by you which are not paid by us or imposed by us such as stamp duty, registration fees and your solicitor s fees and mortgage and home protection insurance. 6. This information is correct at the date it is sent to you. The examples of the total cost payable by you are illustrative only, and the actual total cost will depend on prevailing rates of interest, in the case of a variable rate loan, throughout the period of the loan, and, in the case of a fixed rate loan, at the time the loan is drawn down. Right to Terminate the Contract 7. You may at any time repay all or part of the loan early by sending a notice in writing to KBC Bank Ireland plc, Customer Services Department at the above address. The fixed rate on a mortgage will be the fixed rate available on the day the loan cheque issues. If, during a Fixed Rate Period, the Borrower repays early the whole or any part of the Loan or switches the whole or any part of the Loan into a variable rate or another fixed rate, the Borrower may be liable to pay a break funding fee to the Lender on the date (the switching/redemption date ) that such repayment or switching takes place. If, at the switching/redemption date the Wholesale Rate is higher than the Wholesale Rate at the date the existing fixed rate applying to the Loan was set, no break funding fee arises. If, however, at the switching/redemption date, the Wholesale Rate is lower than the Wholesale Rate at the date the existing fixed rate applying to the Loan was set, then a break funding fee will be chargeable. The break funding fee will be calculated by reference to the following formula: B = (W - M) x T / 12 x A, where: B = the break funding fee. W = the Wholesale Rate prevailing at the date the existing fixed rate applying to the loan was set. M = the Wholesale Rate prevailing at the switching/redemption date for the unexpired time period of the Fixed Rate Period. T = period of time in months to the end of the Fixed Rate Period. A = principal amount which is subject to the existing fixed rate and which is being switched or redeemed. Wholesale rate means the rate per cent per annum which the Lender determines to be the market rate applying to an appropriate interest rate swap for the relevant time period. The following are examples of the calculation of the break funding fee: a) Where Wholesale Rate increases over the term of loan: Wholesale Rate at the date the existing fixed interest rate applying to the loan was set (W): 7% Wholesale Rate at switching/redemption date (M): 8% Break funding fee 0 b) Where Wholesale Rate decreases over term of loan: Wholesale Rate at date the existing fixed interest rate applying to the loan was set (W): 8% Wholesale Rate at switching/redemption date (M): 7% Break funding rate 1% Unexpired Fixed Rate Period (T) Six Months Break funding fee (per 1,000 loan amount) 5.00 Break funding fee = (8%-7%) x 6 / 12 x 1,000 = 5.00 per 1, If you fail to make any payment due to us in respect of the loan or, if any of the other events of default which will be specified in the contract between us for the loan were to occur we may call for the immediate repayment of the loan together with all accrued but unpaid interest thereon and all other costs and expenses payable under the contract.

27 Governing Law and Language 9. All our dealings with you, and all contracts between us, will be governed by the laws of Ireland. 10. All contracts between us, all information that we supply to you and all other communications with you will be in English. Complaint Procedures 11. We aim to provide a friendly and efficient service to our customers and it is our policy to ensure that all your concerns are dealt with fairly and promptly. 12. If you have any complaint please telephone or write to KBC Bank Ireland plc, Customer Services Department, Sandwith St, Dublin If you are dissatisfied with the outcome of our efforts to resolve your complaint you may refer your complaint to: Financial Services Ombudsman Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2. Telephone (01) Fax (01) [email protected] I/We hereby declare and acknowledge: (a) This form must not be construed as an offer on behalf of KBC Bank Ireland plc (KBC). (b) The property may not be let without prior written consent of KBC. (c) Any insurance policy effected on these premises must be submitted to KBC for inspection and approval. KBC s interest must be noted on the policy. Insurance must be arranged on the premises on a full reinstatement basis. (d) The valuers report to be obtained by KBC is for the purpose of assisting KBC to assess the property offered as security for the loan and is not a survey or report nor is it to be relied upon by the applicants as to the value or condition of the property. (e) The making of any loan by KBC on foot of this application will not imply any warranty by KBC as to the reasonableness of the purchase price, the value, the soundness of construction or the state of repair of the property. (f) I/We authorise KBC to send my/our solicitor copies of any letter issued by KBC to me/us on foot of this application and any other information in KBC s possession relevant to this application. I/We authorise KBC to disclose details of this application and my/our mortgage account if approved to the mortgage introducer named on this application form on an ongoing basis. (g) The rate of interest will be that which KBC is charging on that date on which the loan cheque is issued and subsequently the rate may vary within the terms of the mortgage. (h) The rate of interest applicable to the loan may be varied at any time at the discretion of KBC, provided however that the applicant will be notified of the change in interest rates at the earliest opportunity. (i) If a fixed rate is requested the interest rate will be the fixed rate available on the day the loan cheque issues. For costs associated with early payment of a fixed loan please refer to the Right to Terminate Contract notice within this form. (j) I/We declare that I am/we are over 18 years of age. (k) I/We expressly declare that the information given is true to the best of my/our knowledge and belief and that all facts relevant to the application have been disclosed. (l) The operation of Tax Relief at Source (T.R.S.) is subject to audit by the Revenue Commissioners. These audit powers allow the Revenue Commissioners to access records in KBC s possession including correspondence and the records of other communications between a lender and an individual having a qualifying mortgage loan from that lender. Should your loan qualify for T.R.S. your monthly T.R.S. payment will be lodged to your bank account on the same day you make your mortgage repayments. (m) I declare that I have read the Consumer Credit Act notices which are set out within this form. Consent Under the Data Protection Act Data Protection Your Information: The details provided in this application form, together with any other information that is furnished to us in connection with this application and any associated loan, guarantee or other account(s) ( Information ), will be retained and processed by KBC Bank Ireland plc and its subsidiary companies ( we / us ) for the following purposes:- processing and assessing the loan application(s); verifying the Information, including in the case of personal loans, contacting the employers or professional advisers of the applicants; conducting credit searches against the applicants prior to and during the term of any loan; administrating any resulting loan(s), including for debt collection and enforcement purposes and as otherwise required for the performance of your loan agreement or any associated agreements; meeting our legal and compliance obligations (which include those relating to the prevention of money laundering, financing of terrorism and fraud); undertaking credit and other checks and making credit decisions; quality control and group reporting and management; and if you have consented, for marketing purposes. Sensitive Data Consent: Sensitive personal data (such as health or criminal conviction data) will be obtained and processed only where necessary to process your application or account (e.g. life assurance). By signing this form, you are explicitly consenting to the use, retention and reproduction of sensitive personal data for such purposes and you acknowledge that if you do not permit such processing, it will not be possible to provide you with certain services or products. Disclosures: We may disclose Information in the following circumstances: to other companies within the KBC Bank Group; to our agents, advisers, service providers and contractors for the above purposes. These may include insurance, pension or investment companies with whom we have a contractual relationship; to credit reference agencies; to other persons connected with your account (e.g. guarantors, additional borrowers, company directors etc) and to your financial advisers or other intermediaries; in the context of any assignment, purchase or securitisation of your loan or in the context of a sale of our business; or where we are required by any regulatory body, law enforcement agency, court or other legal process. Electronic Communications and Phone Calls: Your Information will be processed, recorded and retained by us in electronic form. You agree that KBC Bank may communicate with you electronically in relation to your accounts, and that it may rely on such electronic communications, records, originals and documents in any dealing with you. We may monitor and record telephone calls made to and from us for fraud and crime prevention, to assist in improving customer services, to evidence instructions or to prevent or resolve disputes. Right of Access: You have the right to receive a copy of all personal data (within the meaning of the Data Protection Acts 1988 and 2003) relating to you which is held by us following a written request (for which a small fee will be charged) and to have any inaccuracies in your personal data corrected. You may be required to provide us with sufficient information to verify your identity and locate your data. By signing below you confirm that you consent to the use of the Information in the manner described above and, if applicable, that you have obtained the consent of all other persons identified in the form or associated with the application or subsequent loan account. To receive Promotional Communications From time to time KBC Bank Ireland plc may notify you of promotional offers, competitions and information on further identified products and services, including Investment Services / Products. The information given on this form may be used to send you marketing material or to electronically communicate with you or to telephone you about products and services available from KBC Bank Ireland plc and carefully selected third parties. In order to receive these communications, please tick this box: If you later decide that you do not want to receive this information you can write to the Marketing Department, KBC Bank Ireland plc, Sandwith Street, Dublin 2 or marketing@ kbc.ie KBC Bank Ireland plc offers individuals a wide range of credit/loan and insurance related products (including both business and personal related products). The information given on this form may be used to send you marketing material or telephone you about these products and services. If you do not wish to receive this information please tick this box: If you later decide that you want to receive this information you can write to the Marketing Department, KBC Bank Ireland plc, Sandwith Street, Dublin 2 or [email protected] KBC Bank Ireland plc retains submitted application (non legal) documentation for a maximum period of 6 weeks from the date of receipt in compliance with its Document Retention policy, after which it is destroyed. Signature of primary applicant Signature of secondary applicant Date / / Date / /

28 Credit Reference Searching and Reporting By signing this application, you acknowledge that KBC Bank Ireland plc will make enquiries throughout the application process relating to you by contacting your employers or accountants to confirm income and employment or net worth details, credit reference agencies (including the Irish Credit Bureau) to establish your credit record with members of the credit bureau and will provide information to credit reference agencies concerning this application and the manner in which any resulting account is conducted. KBC Bank Ireland plc may also undertake searches with the credit reference agencies from time to time during the period of any relationship with you. The credit reference agencies will keep a record of the search (usually for a year) and may disclose the fact that a search has been made, and information relating to you provided by KBC Bank Ireland plc, to their other members. KBC Bank Ireland plc and its successors may use any information received as a result of a search to make credit decisions in relation to you, to help prevent fraud and to recover its property. Please note that if you do not consent the Bank may not be able to consider your application. Signature of primary applicant Signature of secondary applicant Date / / Date / / Consent under the Consumer Credit Act, 1995 The applicant hereby consents for the purposes of Section 46 of the Consumer Credit Act 1995, to any telephone call, at home, at work, and on a mobile phone, or to any visit at home or at work from KBC Bank Ireland, to the applicant(s), the applicants employers, or any member of his/her family or any person acting on his/her behalf. Signature of primary applicant Signature of secondary applicant Date / / Date / / General Information Consumer Credit Act 1995 In accordance with the provision of the Consumer Credit Act, 1995 the following are for your attention: All loans are subject to satisfactory appraisal of status and financial standing and require security over the property and suitable savings/protection policies. WARNING - Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it. For Variable Rate Homeloan: The payment rates on this housing loan may be adjusted by the lender from time to time. For Endowment loans: Warning: there is no guarantee that the proceeds of the insurance policy will be sufficient to repay the loan in full when it becomes due for repayment. It may be necessary to increase the premium amount payable in order to secure an increase in the proceeds of the policy on maturity. THE EARLY SURRENDER OF AN ENDOWMENT POLICY IN RESPECT OF AN ENDOWMENT LOAN MAY YIELD A LOWER RETURN TO THE BORROWER THAN THAT PAID IN PREMIA AND OTHER CHARGES. Consumer Protection Code 2012 In accordance with the provision of the Consumer Protection Code 2012 the following are for your attention: Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. The possible implications and effects of missing the scheduled repayments in relation to this credit/loan (if approved) are: - your account may go into arrears; - your credit rating may be affected; - your loan may become repayable on demand; and - ultimately, you may lose your home. Warning: If you do not keep up your repayments you may lose your home; Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future; Fixed Rate Mortgage Warning: You may have to pay charges if you pay off a fixed-rate loan early; Variable Rate Mortgage Warning: The cost of your monthly repayments may increase; Consolidated Mortgage Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term; Interest Only Mortgage Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest only period. Agencies KBC Bank Ireland has an exclusive agency agreement with Zurich Insurance plc for the provision of home insurance. KBC Bank Ireland plc is an agent for Aviva Life and Pensions Ireland Ltd. Arrears Compound interest is charged on arrears of payments at the same rate applying to the loan advanced. An additional 1% may be charged on the arrears balance on a customers account where the account is more than 2 months in arrears and where the customer fails to make or keep an arrangement to clear the arrears. KBC/ (R11/12)

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