APPLICATION FORM FOR THE BROWN THOMAS MASTERCARD AND ENCORE REWARDS PROGRAMME EXPERIENCE THE EXTRAORDINARY ENCORE REWARDS

Transcription

1 APPLICATION FORM FOR THE BROWN THOMAS MASTERCARD AND ENCORE REWARDS PROGRAMME EXPERIENCE THE EXTRAORDINARY ENCORE REWARDS

2 1 The Brown Thomas MasterCard Infinitely Rewarding As a Brown Thomas MasterCard cardholder, every time you use your card in Brown Thomas or BT2, you will earn Encore Rewards TM points. Whenever you use your Brown Thomas MasterCard with one of our specially selected partners, you will also earn Encore Rewards TM points. When you use your Brown Thomas MasterCard for the first time in any Brown Thomas or BT2 store, you will receive a 30 Brown Thomas Gift Card. Finally, as a Brown Thomas MasterCard cardholder, you will be invited to exclusive pre-sale shopping and customer events. Benefits to you The Brown Thomas MasterCard makes financial sense too, offering cardholders excellent interest and Balance Transfer rates, including: No annual bank fee 1 An introductory annual interest rate on purchases and Balance Transfers for 12 months from the date the credit card account is opened 2 Up to 56 days Interest Free Credit For further information on all fees and charges on the Brown Thomas MasterCard please refer to the Standard European Consumer Credit Information on page 4 of this brochure. 1 Government stamp duty of 30 is charged annually per Credit Card account. 2 All rates are variable. The Brown Thomas MasterCard is provided by Allied Irish Banks. If you have any queries in relation to card transactions, please contact AIB on (01) Encore Rewards TM Every time you use your Brown Thomas MasterCard in Brown Thomas, BT2 or any Encore Rewards TM Partner, Encore Rewards TM points are applied. You will earn 5% Encore Rewards TM in Brown Thomas & BT2 and up to 10% Encore Rewards TM with Encore Rewards TM Partners. Encore Rewards TM are awarded automatically on a quarterly basis* in the form of a Brown Thomas Gift Card. These points are shown clearly on the bottom of your Brown Thomas MasterCard statement each month. * if you have less than 15 Encore Rewards TM points at the end of a quarter, your points will be carried forward to the next quarter. Brown Thomas Encore Rewards TM Encore Rewards TM brought forward 4.05 Brown Thomas Encore Rewards TM this statement 0.00 Encore Rewards TM Partners this statement 0.00 (* denotes Encore Rewards TM transaction) Total for this Quarter 4.05 A Gift Card will only be sent once a 15 euro value in Encore Rewards TM has been reached. Rewards below this level will be carried forward to the next quarter. The Brown Thomas MasterCard Encore Rewards programme is provided by Brown Thomas. If you have any queries in relation to the Encore Rewards programme, please call

3 How to Apply On the following pages you will find Important/Regulatory Information including Data Protection Notice, the Standard European Consumer Credit Information (SECCI), and the Terms and Conditions of Use. AIB strongly recommends that before purchasing this product you review this Important/Regulatory Information. If you have any questions, please don t hesitate to contact us on (01) and we will talk you through it. It s important that you understand all of the terms and conditions before taking out your new credit card. Simply complete the enclosed application form and hand it in to your local AIB branch or post it directly to AIB Card Issuing at: FREEPOST PO Box 708 Sandyford Dublin 18 STANDARD EUROPEAN CONSUMER CREDIT INFORMATION 1. Identity and contact details of the creditor/credit intermediary Creditor Address Telephone number Web address Allied Irish Banks, p.l.c. AIB Card Issuing, PO Box 708, Sandyford, Dublin Description of the main features of the credit product The type of credit The total amount of credit This means the credit limit or the total sums made available under the credit agreement. The conditions governing the drawdown This means how and when you will obtain the money. Brown Thomas MasterCard Information effective from 11th June 2010 Open ended credit agreement subject to an agreed credit limit. 1,500 The above figure is a representative figure and may not be your actual credit limit. On receipt of your card and Personal Identification Number (PIN) you may use your card to pay for goods and services purchased from merchants or to withdraw cash within the agreed credit limit which will be advised to you with your card. Identification requirements In order to comply with legislation to combat money laundering and terrorism financing, we will need to see suitable documentation to verify both your identity and your current permanent address. Proof of Identity: A valid Passport, Driver s Licence, National Identity Card Proof of Current Permanent Address (Documents must be no more than 6 months old): Utility Bill, Correspondence from a Regulated financial institution (insurance/ assurance co., bank, building society, credit card co.), Correspondence from a government department/body. For postal applications we will require a certified copy of Photographic ID (CERTIFICATION BY: Gardai, Practising Solicitor or local AIB branch) and two certified copies of address verification. Note: Please talk to one of our staff at your local AIB branch if you do not possess the documentation outlined above. The name on your photographic identification must exactly match the name on your proof of address. Minimum qualifying salary for the Brown Thomas MasterCard is 16,000 The duration of the credit agreement Instalments and, where appropriate, the order in which instalments will be allocated The total amount you will have to pay This means the amount of borrowed capital plus interest and possible costs related to your credit The duration of the credit agreement is indefinite, subject to termination in accordance with the conditions of the credit agreement. You will have to pay the following: A minimum payment of at least 3% or 6.35 if greater must be paid monthly. Payments received will be deducted from the opening balances on the Account in the following order based on the portion of the balance representing: interest fees from previous Statement; cash advances (including cash from a Cash Machine) from previous Statements; purchases from previous Statements. The remainder (if any) will be applied to Transactions on the current Statement in the following order: fees; cash advances; purchases and Balance Transfers; and, any other promotional offers. 1, The above figure assumes that you make purchases to the full extent of a 1,500 credit limit plus Government Stamp Duty charge of 30.00, you repay in 12 equal monthly repayments and interest rates remain the same. Interest charged Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Government stamp duty of 30 is charged annually per credit card account. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland. 4

4 3. Costs of the credit Different borrowing rates which apply to the credit agreement. Annual Percentage Rate of Charge (APR) This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers. Is it compulsory, in order to obtain the credit or to obtain it on terms and conditions marketed, to take out an insurance policy securing the credit, or another ancillary service contract, If the costs of these services are not known by the creditor they are not included in the APR. Related costs Amount of costs for using a specific means of payment Annual Interest Rates Purchases Cash Advances Introductory rate on Purchases* Introductory rate on Balance Transfer* These rates may be subject to change % (variable) 19.68% (variable) 3.83% (variable) 3.83% (variable) *An introductory annual interest rate on purchases and Balance Transfers applies for 12 months from the date your account is opened. After 12 months the interest rate reverts to the annual rate for purchases applicable to the product at that time. APR 20.3% (variable)* *The APR is based on a credit limit of 1,500 and includes Government Stamp Duty. This is the highest interest rate applicable to purchases and does not incorporate the introductory interest rate for the first 12 months. No No Transactions performed abroad may be subject to a Currency Conversion Fee as illustrated in the table below. No Currency Conversion Fees apply on euro transactions. AIB MasterCard FX Transactions MasterCard Europe Region FX Transactions MasterCard Rest Of World MasterCard Scheme Charge 0.10% of transaction value 0.39% of transaction value AIB 1.75% of transaction value 1.75% of transaction value Any other costs deriving from the credit agreement Conditions under which the abovementioned costs related to the credit agreement can be changed Costs in the case of late payments Missing payments could have severe consequences for you and make obtaining credit more difficult. 4. Other important legal aspects Right of withdrawal You have the right to withdraw from the credit agreement within a period of 14 calendar days. Early repayment You have the right to repay the credit early at any time in full or partially. Consultation of a database The creditor must inform you immediately and without charge of the result of a consultation of a database, if a credit application is rejected on the basis of such a consultation. This does not apply if the provision of such information is prohibited by European Community law or is contrary to objectives of public policy or public security. All fees and charges are subject to change. Government Stamp Duty Government Stamp Duty of 30 is charged annually per credit card account. Cash Advance Fee 1.5% of the transaction value or 1.90 whichever is greater Late Payment Fee Should payment not be made in accordance with the Agreement, a Late Payment Fee of 7.00 will be debited to the card account. Over Limit Fee The Over Limit Fee of 7.00 will apply, the first time your balance exceeds your credit limit in each statement period. Returned Payment Fee Should any payment either by cheque or direct debit be returned unpaid, a Returned Payment Fee of 7.00 will be debited to the account. Copy Sales Voucher Fee Should you request a copy of a sales voucher, a 5.00 fee per voucher will be applied to the card account. Copy Statement Fee Should you request a copy of a statement, a 4.00 fee per statement will be applied to the card account. We may alter the aforementioned costs in accordance with the credit agreement from time to time. Alterations will normally be caused by market conditions, changes in the cost of providing the service, changes in legal or other requirements affecting us, promotional reasons or any other good reasons. We will notify you before we alter any costs relating to the credit agreement to your detriment. You may be charged: Late Payment Fee Should payment not be made in accordance with the Agreement, a Late Payment Fee of 7.00 will be debited to the card account. Yes You have the right to repay your card at anytime by repaying the outstanding balance on the card and all outstanding card transactions, fees, charges and interest. We will inform you immediately and without charge of the result of a database consultation with a credit reference agency if your credit application is rejected on the basis of such a consultation. 5 6

5 7 Right to a draft credit agreement You have the right, upon request, to obtain a copy of the draft credit agreement free of charge. This provision does not apply if the creditor is at the time of the request unwilling to proceed to the conclusion of the credit agreement with you. You have the right, upon request, to a copy of the draft credit agreement free of charge. 5. Additional information in the case of distance marketing of financial services (a) concerning the creditor Registration The supervisory authority (b) concerning the credit agreement Exercise of the right of withdrawal The law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit contract Clause stipulating the governing law applicable to the credit agreement and / or the competent court Language regime (c) concerning redress Existence of and access to outof-court complaint and redress mechanism We are regulated as a credit institution by the Central Bank of Ireland of PO Box 559, Dame Street, Dublin 2 and our principal business is the provision of financial services. Our head office and registered office is at Bankcentre, Ballsbridge, Dublin 4. We are registered at the Companies Registration Office, Dublin under registration number Our VAT number is IE8E86432H. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland. You have the right to withdraw from your credit agreement with us within 14 days of its conclusion. This can be done by contacting us by telephone on or by sending a written note of cancellation to the Manager, Card Issuing, PO Box 708, Dublin 18 quoting details of the credit agreement. You must repay all capital and applicable interest within 30 calendar days of the notification of withdrawal. If you do not exercise your right of withdrawal the terms of this Agreement will continue to apply. Irish law will govern the establishment of relations with you before the conclusion of the credit agreement. The credit agreement is governed by the laws of Ireland and for the benefit of AIB you submit to the Irish Courts with respect to any dispute out of or in connection with the credit agreement. Information and contractual terms will be supplied in English. With your consent, we intend to communicate in English during the duration of the credit agreement. In the event that you wish to make a complaint you may do so by contacting AIB by telephone or in writing. If you are still not satisfied and you come within the jurisdiction of the Financial Services Ombudsman, you are entitled to take your complaint to the Financial Services Ombudsman, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2. Further details of our complaints procedures are available on or may be obtained by contacting AIB. GENERAL TERMS AND CONDITIONS OF USE The use of your credit card is governed by these general Terms and Conditions GENERAL TERMS AND CONDITIONS OF USE The use of your credit card is governed by these general Terms and Conditions. DEFINITIONS Account means the card account kept by us in the name of the Cardholder in which debits and credits in respect of Transactions are recorded. Agreement means this agreement (and Conditions) between the Cardholder and us for the opening of an Account and the issue of a Card and incorporates the application form and each card carrier (a confidential mailing slip or cover containing instructions regarding authentication and security and the current Credit Limit), all fees and charges booklets and schedules and all other documents that are incorporated into these Conditions or otherwise become part of our agreement with you. Authorised User means a person, nominated by the Cardholder and permitted to use an additional Card. Available Credit means at any time the unutilised amount of the Credit Limit. Balance Transfer means the transfer to the Account, with our consent, of an amount owed on a credit card or store card to another financial institution (but excludes transfers of debt from existing AIB Cards). Business Day means a day (other than a Saturday, Sunday or public holiday) on which we are generally open for business in Ireland and, where a payment to an account with another bank is involved, on which the Payee s bank is also open for business. Card means a credit card issued to the Cardholder or any Authorised User for the purpose of effecting Transactions on the Account pursuant to the terms of the Agreement and incorporates all elements of that card, including, without limitation, the Chip. Cardholder means only the person in whose name the Account is maintained and does not include Authorised Users. Cash Machine means a machine which dispenses cash and/or, in some cases, receives lodgements and/or performs other banking functions. Chip means an integrated circuit embedded in a Card. Conditions means these terms and conditions as amended, extended, supplemented or replaced from time to time. Credit Limit means the maximum debit balance that you are allowed to have outstanding on the Account at any time. EEA means the current members of the European Economic Area as may be amended from time to time. Funds Transfer is a transfer of funds either from or to your Card using a funds transfer service that enables cardholders to transfer funds from one person s card to another in accordance with the procedures and terms and conditions of that funds transfer service. When transferring funds from your Card, the Funds Transfer will be treated as a purchase for the purpose of fees, charges and interest. Merchant means any business or individual who accepts payment made with a Card. Payee means the receiver of the payment. Payer means the maker of the payment. PIN means the secret personal identification number that is used with a Card as allotted by us and/or subsequently chosen by you. Secure System means a system to enable the secure use of your Card over the internet. SMS Message means a message sent using a short message service to or from telecommunication devices that use global system for mobile (GSM) communication. Statement means a paper or electronic statement issued by us, in respect of the Account. Transaction means a transaction in which a Card is used to obtain goods, services or cash on credit, or to make or receive a Funds Transfer (and includes all debits and credits made to the Account pursuant to this Agreement). you and your refers to the Cardholder and, unless the context otherwise requires, any Authorised User. Any references to we ; us ; and our or Bank means Allied Irish Banks, p.l.c. and includes our successors and assigns. We are regulated as a credit institution by the Central Bank of Ireland of PO Box 559, Dame Street, Dublin 2 and our principal business is the provision of financial services. Our head office and registered office is at Bankcentre, Ballsbridge, Dublin 4. We are registered at the Companies Registration Office, Dublin under registration number Our VAT number is IE8E86432H. In these Conditions where the context so allows, reference to any gender includes all genders and the singular includes the plural and vice versa. Your Card 1. Subject to these terms and conditions, our credit card service allows you to pay for goods and services purchased from Merchants, to make or receive a Funds Transfer, or to withdraw cash including cash from Cash Machines or by any other means where the appropriate credit card logo is displayed. A Credit Limit is applied and interest is payable after any relevant interest free period. 2. There is a variety of means by which you can authorise such Transactions, these include: 8

6 9 authorisation by means of your Card used in conjunction with your PIN for point of sale Transactions or Transactions using a Cash Machine; authorisation by means of your Card number and in some circumstances a security code for Transactions by mail, telephone, mobile phone or other portable device, internet or by use of a Secure System; and authorisation by means of your Card and signature where the other authorisation options in this Condition are not available. Looking after your Card and PIN 3. The Card and PIN must be used in accordance with these Conditions. Each Card is and remains our property and may be cancelled, suspended, recalled or retained by us in accordance with the provisions of the Agreement. 4. You must: sign your Card as soon as you receive it using a ball point pen; exercise all reasonable care to keep your PIN secret and keep your Card secure at all times; only use your Card (a) within the Credit Limit, (b) within the period for which it is stated to be valid and (c) strictly in accordance with the Agreement; and tell us immediately if there is a change of name, bankers, business, mobile or home telephone numbers, address, or your address to which Statements are sent in accordance with the Monthly Statement payment arrangements section of these conditions. 5. You must not: let anybody else use your Card or your PIN; disclose your Card number to anyone, except when carrying out a Transaction or to report it lost, stolen or likely to be misused; and/or disclose, write or record your PIN or any other code allocated to you. Credit Limit 6. We will set a Credit Limit on the Account. We may, subject to applicable law or regulation, vary the Credit Limit from time to time. We will notify you of any such variation. If your Card is used for a Transaction which would bring the outstanding debit balance ( Outstanding Balance ) in excess of the Credit Limit, we reserve the right to authorise or decline such Transactions. If we authorise a Transaction in excess of the Credit Limit currently applying to the Account, this will not affect the Credit Limit and subsequent Transactions bringing the Outstanding Balance in excess of the Credit Limit or where the Credit Limit has been exceeded may be declined. 7. Where you provide your Card number to a Merchant in relation to any Transaction, your Available Credit may be reduced by the amount or an estimate of the amount of the Transaction before the Transaction is completed. 8. In some cases a Merchant may obtain specific authorisation in advance from us or our agents to honour a Card for a particular Transaction. This may affect the Available Credit. Restrictions 9. A Card must not be used: if the Agreement is ended; after a Card has expired or been reported lost, copied or stolen or has been cancelled or suspended; at any Cash Machine abroad in violation of local regulations; or for any illegal purchase or purpose whatsoever. 10. A request for a Balance Transfer will only be considered where the other financial institution is within a country where the euro is the national currency and clearance of the amount owed can be effected by us by electronic means. Balance Transfers will only be made in euro. Transfers of amounts owed on existing AIB Cards will be regarded as normal outstanding balances and not Balance Transfers. Cash Withdrawals 11. Your Card may be used for cash withdrawals, advances made by Card or Card number, and cash related Transactions, such as the purchase of cash. A cash advance fee may also apply and where the Transaction is not done at a Cash Machine you may also be asked for proof of identity. 12. Cash withdrawals are subject to both Transaction and daily limits. The Transaction limit can vary between financial institutions and from time to time. The cash limit will be determined by us and may vary from time to time. Details of the daily cash limit are available from us. 13. We will not be obliged to provide Cash Machine facilities at any particular time and may withdraw or terminate such facilities without notice. We will not be liable for any loss or damage resulting from failure to provide any service, or failure or malfunction of a Cash Machine. 14. A Card may be used outside Ireland subject to any limits or regulations that may be imposed by the appropriate regulatory authorities from time to time. 15. Where the Card is used to obtain euro in a country where the national currency is not the euro, the local bank may convert the amount of euro into the local currency and may charge a foreign exchange margin. This may result in an amount debited from the Account that is different to the amount you withdrew. Where the Card is used to obtain a currency other than euro, Condition 32 will apply. Authorised Users 16. At the request of the Cardholder we may permit the issue of an additional Card, together with a separate PIN, for use by a person nominated by you (an Authorised User ). However, there is no obligation on us to do so. You may inquire from your local branch whether this facility is available. If we consent to the issue of an additional Card, it will be issued subject to these Conditions. The Authorised User will be bound to observe these Conditions to the extent that they apply or are relevant. It is the responsibility of the Cardholder to furnish the Authorised User with a copy of these Conditions. The Cardholder must ensure that the Authorised User complies with these Conditions and any subsequent amendments or replacement Conditions. The Cardholder is primarily responsible for all Transactions for which the additional Card is used, including those charged to the Account after the additional Card has been returned to us. 17. We will cancel any additional Card at any time if the Cardholder requests this by contacting us in accordance with the Contacting us section, in which case the additional Card, cut in two (through the signature box, magnetic strip and Chip) for security reasons, must be returned to us at the address in the Contacting Us section of these Conditions. 18. By entering into this Agreement, the Cardholder gives us the authority to pass on information about the Account or Transactions to any Authorised User by electronic or other means. By accepting an additional Card an Authorised User authorises us to pass on information about Transactions effected by use of the Additional Card to the Cardholder by electronic or other means. However, no amendments to the Account details or variation of the Credit Limit will be accepted from an Authorised User. 19. The Cardholder is liable for the payment of all Transactions carried out by an Authorised User regardless of the ability of that Authorised User or whether they are a minor or not, as if the Transactions had been personally carried out by the Cardholder. Loss or misuse of a Card 20. You must exercise all reasonable care and take all necessary steps to ensure the safety of the Card. If you think someone else knows your PIN, or if your Card is lost, copied, mislaid, stolen, used, or likely to be used, for a fraudulent or improper purpose, you must contact us immediately. Our contact details are set out in the Contacting Us section of these Conditions. We may request that you confirm the same in writing to us, but without affecting the validity of any action taken by us in response to your request. 21. Notification of loss or theft of a Card will be accepted by us from card protection service organisations. 22. By reporting a Card as lost, copied, mislaid or stolen or as being used, or likely to be used, for a fraudulent or improper purpose, you will be deemed to have thereby authorised us to cancel that Card. It cannot be used again. If found, it must be cut in two (through the signature box, magnetic strip and Chip) for security reasons and returned to us immediately at the address in the Contacting Us section of these Conditions. 23. Your liability will be limited to an overall limit of 75 for any losses incurred in respect of unauthorised payment Transaction arising from the use of a lost or stolen card or from a failure to keep personalised security features safe. However, you will be liable for all unauthorised Transactions if: you intentionally, fraudulently or with gross negligence failed to adhere to the safekeeping and/ or disclosure requirements of your Card, PIN or other security device or procedure; or any Transactions were effected as a result of the breach of Condition 5; or any Card is used by any other person outside the terms of this Agreement and who has possession of it with your consent. 24. In the event of notification by you in accordance with Condition 20 above you will co-operate with us and the relevant police authority in any investigation and give us and the police all information relating to such loss, theft or disclosure and all reasonable assistance to lead to the recovery of the Card. You authorise us to inform any appropriate third party of the loss, mislaying, theft or possible misuse of the Card and to give them such other information as may be required. 25. If we suspect that a Card is being used improperly or fraudulently or in breach of the Agreement we may, without the Bank having any liability to you for so doing, decline to authorise any further Transactions on the Account until we have contacted you and satisfied ourselves in that regard. We will endeavour to contact you in accordance with the Contacting you section or by SMS Message before we take a decision to decline authorisation of such Transactions, but you acknowledge and agree that it may not always be possible for us to contact you before declining such Transactions. Should we contact you by SMS Message you may be asked to confirm a Transaction by sending us an SMS Message in reply. You hereby agree and authorise us to take such actions as we deem necessary, including suspending the Card. You agree that any contact by us is for the purposes of combating wrongdoing. The Account 26. The amount of all Transactions will be debited to the Account reducing the Available Credit. The timing of the debit will depend on when we receive the Transaction details from the Merchant or the Merchant s bank or, in the case of a cash withdrawal, when we receive details of the withdrawal. Transactions (excluding Cash Withdrawals) 27. Use of your Card is subject to Transaction and daily limits as set by us. The Cardholder will be liable to pay all sums that are charged to the Account in respect of or resulting from all Transactions including where such Transactions are effected by telephone, mobile phone or other portable device, mail order, internet, PIN, signature, by use of a Secure System or in breach of these Conditions. You should therefore check the amount of every Transaction and that all other details/ information relating to the Transaction are correct before you authorise it. 10

7 You accept that electronic communications via the internet or SMS-based telecommunications media may not be secure and may be intercepted by unauthorised persons or delivered incorrectly. Any such communications shall be at your risk. 29. Once authorised a Transaction cannot be subsequently revoked (whether or not a voucher is signed or a PIN number verified) as we guarantee payment. Where you have authorised a Merchant to set up a continuous payment instruction on your Account and you wish to cancel it, you must send a written cancellation notice to the Merchant and keep a copy of the letter. When a Transaction is authorised by use of a Card and PIN, the use of the PIN will be regarded as conclusive evidence that the Transaction was authorised by you. You should always check the amount of the Transaction before entering your PIN. 30. When a Transaction is authorised by the use of a Secure System, the use of the Secure System will be regarded as conclusive evidence that the Transaction was authorised by you. Use of any Secure System by you is subject to the terms and conditions of the Secure System. 31. When a Funds Transfer is authorised by use of a passcode or any other authorisation procedure required as part of that service, the use of the passcode or procedure will be regarded as conclusive evidence that the Transaction was authorised by you. Use of any Funds Transfer service by you is subject to the terms and conditions of the Funds Transfer service. 32. The amount of any non-euro Transaction will be converted to euro at the rate of exchange applicable on the date the Transaction is debited to the Account in accordance with the procedures of Visa or MasterCard and accordingly the date of conversion may not be the date of the Transaction. We have no control over when the Transaction will actually be processed by Visa or MasterCard. For Transactions in EEA countries we can provide you with an indicative rate of exchange on the day of the Transaction if you contact us, but as outlined above, this may not be the actual rate that will be applied as exchange rates may fluctuate between the date of a Transaction and the date on which the Transaction amount is debited to the Account. In addition to the fees and charges referred to in Condition 48 you may also be charged a transaction fee by the local bank which processes the Transaction. Our contact details are set out in the Contacting Us section in these Conditions. Monthly Statement payment arrangements 33. We will normally issue a Statement monthly to the Cardholder, on a date which we may decide, containing (a) details of all Transactions debited and credited to the Account since the previous Statement (or, in the case of the first Statement, since the opening of the Account), and (b) the Outstanding Balance (if any) at the Statement date. 34. If a Statement is not received for any month, or if it cannot be produced or issued for any reason your responsibilities under this Agreement continue. You will be required to obtain details of the Outstanding Balance and make the appropriate minimum payment by using our online or telephone banking facilities or by contacting us. 35. The initial monthly payment will fall due within the period chosen on the application form following the first use of the Card. Each month the Cardholder must make the minimum payment to the Account as stipulated in the Statement for that month. When setting up a Direct Debit the Cardholder may select as the minimum payment percentage any of the following percentages: 3%, 5%, 10%, 20%, 25%, 50% (subject to a minimum payment of 6.35 if greater) or 100%. The minimum payment for customers who do not pay by Direct Debit will be calculated at 3% of the balance or 6.35, which ever is the greater. Other than when paying by direct debit, the Cardholder must ensure that the payment is made or sent so as to reach us at the specified address for payment to be credited to the Account not later than the payment due date (this is specified in your Statement). Any payment made will take effect when correctly received by us and credited to the Account. If you are the holder of a Personal Premier Visa Card you must pay the entire amount of the Outstanding Balance on the due date on the Statement. This payment will be effected by us initiating a direct debit to the Principal Cardholder s bank account on or immediately after the due date on the Statement. 36. The maximum payment and cut off times by which you make payments to your Account are detailed below. The processing time differs depending on the payment method chosen. Payment value will be given for the Business Day on which the payment instruction is received by us. The time taken for a payment to be processed may be extended by a further Business Day for paper initiated payments. Cheque payments are excluded from the payment timeline outlined below. Method of Payment Timeframe Cash payment, AIB account transfer, Same Business Day AIB Debit Card payment in AIB Branch Payments made via AIB Phone and Same Business Day Internet Banking or AIB in-branch Kiosk Payments made in non-aib institutions Same Business Day when received by us Business Day Cut-off Times Branch closing time 6pm Defined by each institution 37. If the minimum payment is not paid by the due date, we may decline to authorise Transactions. 38. We may grant, at our discretion, a payment holiday (a period when we may allow you to defer a payment or payments). Interest will continue to be charged under Conditions 51 to 54 and the period referred to in Condition 51 will not be extended. 39. The Cardholder must pay on demand, and in any case, on receiving the Statement: any outstanding excess over the Credit Limit; any arrears; and the amount of any Transaction made in breach of these Conditions. 40. (a) Should a payment be received more than 4 Business Days prior to the payment due date, or in circumstances where the Cardholder has either set up a new direct debit or amended their direct debit bank account details and a payment is received more than 7 Business Days prior to the payment due date, the amount calculated for payment by direct debit will be reduced by this amount. (b) Payments received within 4 Business Days of the payment due date, or in circumstances where the Cardholder has either set up a new direct debit or amended their direct debit bank account details payments received within 7 Business Days of the payment due date, will not reduce the amount collected by direct debit. (c) The Cardholder must ensure that funds are available to meet all payments due on the Account. 41. Funds Transfers are not treated as payments made to the Account and therefore, will not be reflected in the current amount due for settlement as required under Condition 35. The amount due must be settled in the normal manner and any Funds Transfer received will be recognised and taken into account in the following Statement. 42. We reserve the right to debit the Account by the amount of any unpaid item or any other amount which we are obliged to refund to a third party for any justifiable reason. 43. Without affecting any other right of set off which we may have, if you have a credit balance on any other account with us (whether due or not and in any currency), we may use this credit balance to satisfy any sum due on the Account. We may or may not give prior notification to you where this is done. Queries and Disputes 44. You should carefully examine all Statements and any other Account information received by you or accessed by you online and immediately report any disputed Transactions, errors or omissions to us. We recommend that you review your Account details online on a regular basis. In the event you have a query concerning a Transaction on your Account please contact us immediately. Our contact details are set out in the Contacting Us section of these Conditions. 45. Where the Payer s bank and the Payee s bank are both located in the EEA and the Payment in question was in euro or the currency of a member state of the EEA outside the euro area: (a) you must notify us without undue delay on becoming aware of any unauthorised Transaction on your Account. Where you are not liable under Condition 23 and you notify us without undue delay we will refund to you the amount of any payment debited to your Account which was not authorised by you and, where necessary, restore your Account to the state it would have been in had the Transaction not taken place. We will consider that there has been undue delay in this regard if you fail to notify us within 60 days of the date of the Transaction being debited to your Account. In any event, a failure to notify us within 13 months of the date of the Transaction being debited to your Account will always amount to undue delay. You will be liable for all unauthorised transactions as a result of a breach of Condition 23. (b) where an authorised payment was not paid correctly by us and you contact us within 8 weeks, we will refund you within 10 Business Days of your request, where you can show us that; (i) your authorisation did not specify the exact amount of the payment when the authorisation was made; and (ii) the amount of the payment exceeded the amount that you could reasonably have expected taking into account your previous spending pattern. If you make a claim for such a refund you must provide to us all relevant information requested by us and for the purpose of computing the 10 Business Day period referred to within this Condition your request will only be deemed to have been made when you provide all such information. If we dispute your right to a refund we will advise you of our reasons. If you are not satisfied with our reasons you may make a complaint in accordance with the complaints procedures detailed in the Complaints section. (c) Where a payment was not executed by us or was incorrectly executed by us we will refund you and where applicable restore your Account to the position it would have been in had the nonexecuted or incorrectly executed payment not taken place providing: (i) there is no undue delay on your part in notifying us of an incorrectly executed or non-executed executed payment; and (ii) none of the events detailed in Condition 65 prevented us from making the payment. Regardless of the issue of liability, where you notify us of an incorrectly executed payment we will make immediate efforts to trace the defective payment. If as a result of our investigation we establish that the payment was correctly executed, we reserve the right to debit your Account with our charges. 46. Where the Payee s Bank is located outside the EEA and you wish to dispute a Transaction you must notify us immediately or within 60 days of the Transaction being debited to your Account, as you may be entitled to a refund. Annual Percentage Rate of Charge 47. The annual percentage rate of charge (APR) applied to the Account is designed to measure the total cost of credit to the consumer and will be advised to the Cardholder on the opening of the Account. We may vary the APR at any time. A variation will normally be caused by market conditions, changes in the cost of providing the service, including variations in the prevailing ECB and market rates, changes in legal or 12

8 other requirements affecting us, promotional reasons or any other good reason. Any variation in the interest rate will result in a change in the APR. If we vary the interest rate (and consequently the APR) we will notify (in accordance with Condition 73) the Cardholder of the variation and also of the corresponding change in the APR. On receiving such notification, the Cardholder may end the Agreement and cancel the Card(s) in accordance with Condition 56. Fees, Charges and Interest 48. All fees, charges and interest payable in connection with the Account will be the Cardholder s liability and will be debited to the Account in accordance with the following arrangements: all fees payable on the Account are outlined in the schedule of fees and charges relevant to your Account type for the time being in force; and all stamp duties and government levies payable in respect of the Card are your liability and will be collected by us by debit of the Account. Should you close your Account before the date of collection the amount will be debited at closure and be payable by you. 49. Where a Card is used to obtain a cash advance, a cash advance fee will apply as notified to you from time to time in the schedule of fees and charges relevant to your Account type for the time being in force. In all cases, the cash advance fee will be debited to the Account on the date of the cash advance and will appear in the next Statement. 50. Separate charges may be incurred and debited to the Account and will be advised to you from time to time. These can be in respect of late payments, returned payments, copy Statements or copy vouchers or operating in excess of your Credit Limit. These charges will be advised to you in writing on the opening of the Account and will be published in the schedule of fees and charges relevant to your Account type for the time being in force. We will ensure that the charges conform to any scale or amounts that may be set under any law, regulation or other order. Interest 51. Interest will not be charged if you pay the full balance shown on your current Statement by the payment due date shown on the Statement and additionally you have paid the full balance shown on your previous Statement by the payment due date shown on that Statement (except in the case of Low Interest MasterCard and Budget MasterCard where no interest free credit days apply). The interest rate for purchases and cash advances being applied to an Account will be notified to you on the Statement. We calculate interest using the interest rate as at the date of your Statement, and interest is calculated using the average daily balance since the date of your previous Statement. 52. If the full balance is not repaid by the payment due date shown on your Statement, interest is charged on the full balance from the date the Transaction was debited to the Account, as shown on your Statement, until full repayment is credited to the Account. Interest on Balance Transfer transactions will be charged from the date the transaction was debited to the Account until full repayment is made. 53. Subject to Condition 51 above, interest will be payable on all amounts owing to us on the Account. Interest will accrue (as well after judgement or demand as before) on a daily basis at the current (variable) rate advised to you. Interest will be charged to the Account monthly. In respect of Transactions, interest will accrue and be charged from the date it is debited to your Account (this appears on your Statement as the posting date) to the date full payment is received and credited to the Account. Where a part payment is made, interest will continue to accrue and be charged on the remaining balance up to and including the date of the next Statement, when the interest for the period will be debited to the Account. If you pay the full balance on your current Statement but have not paid the full balance on your previous Statement you will be charged interest. Interest will be calculated on the amount unpaid on your previous Statement. 54. Payments received will be deducted from the opening balances on the Account in the following order based on the portion of the balance representing: interest; fees from previous Statement; cash advances (including cash from a Cash Machine) from previous Statement; and purchases from previous Statement. The remainder (if any) will be applied to Transactions on the current Statement in the following order: fees; cash advances; purchases and Balance Transfers; and, any other promotional offers. Issue of new cards 55. New Cards may be issued by us to you from time to time without the need for further application. If a Card is reported lost, copied or stolen, we can refuse to issue a new Card if: the Cardholder has requested in writing, not less than 30 days before the renewal date on the current Card, that we do not issue any new Card(s); or we have decided (in accordance with Condition 57 or 58) not to issue a renewal or replacement Card. Ending the agreement 56. The Agreement shall continue until ended by either the Cardholder or us. The Cardholder may at any time end the Agreement by giving notice in writing to us and returning all Card(s) cancelled by being cut in two (through the signature box, magnetic strip and Chip) to us. 57. If: you are adjudicated bankrupt under Irish law or we have received notice of a foreign bankruptcy court order having been made against you in another jurisdiction or if you enter into a voluntary arrangement with your creditors; any form of attachment or receiving order is made against you; judgement is obtained against you and remains unpaid for a period of fourteen days from the date of such judgement; you are no longer, in our opinion, able to manage your financial affairs; you die; it becomes unlawful for you to continue to have a Card; we must do so in order to comply with any law; you use your account for any unlawful or other inappropriate purpose; for any reason this Agreement becomes unenforceable or void; or on a material change relevant to you occurring which is in the opinion of the Bank prejudicial to the Bank s interest, we can immediately suspend any Card, end the Agreement, cancel all Card(s) and/or refuse to issue, renew or replace any Card by giving written notice to the Cardholder whereupon you must cut all Card(s) in two (through the signature box, magnetic strip and Chip) and return them to us. 58. If: any representation, warranty or statement made by you in connection with the Agreement is breached or is or becomes, in our opinion, untrue in any material respect; or you breach this Agreement or any other agreement with us, we (having served on the Cardholder any notice required in accordance with the Consumer Credit Act, 1995) may suspend any Card, end the Agreement, cancel all Card(s) and/or refuse to issue, renew or replace any Card whereupon you must cut all Card(s) in two (through the signature box, magnetic strip and Chip) and return them to us. Unless we are permitted by law to give you shorter notice, we may terminate the Agreement by giving you at least two month s notice. 59. We may publish the suspension or cancellation of any Card. 60. If you make a notification under Condition 20 or 21 or if the Agreement is ended we may request a retailer or other person to retain any Card or cancel any Card by cutting it in two (through the signature box, magnetic strip and Chip) and return them to us. 61. If this Agreement is ended (by the Cardholder or by us) the Cardholder will remain liable for all Transactions and must pay in full the Outstanding Balance on the date the Agreement is ended as well as: all outstanding Transactions, fees and charges, all stamp duties and government levies and any accrued but unpaid interest. The terms of this Agreement will remain in full force until all money owed is paid. For the avoidance of doubt, there will be no other costs incurred by the Cardholder in respect of termination of this Agreement. 62. On the death or legal disability of the Cardholder, the Outstanding Balance on the Account will become a liability of the estate of the Cardholder and all Cards must be returned to us cut in two (through the signature box, magnetic strip and Chip). Assignment 63. We may assign or otherwise transfer all or any of our rights, benefits and/or obligations under the Agreement to any natural or legal person. Refunds 64. If a Merchant initiates a refund we will only credit the Account with the amount due upon receipt of the refund amount from the Merchant and, unless so credited (but subject to any rights conferred on you by law), the Account will be payable in full. Refunds are not treated as payments made to the Account and therefore will not be reflected in the current amount due for settlement as required under Condition 35. The amount due must be settled in the normal manner and any refund received will be recognised and taken into account in the following Statement. General 65. We shall neither be in breach of our obligations under the Agreement nor liable for any loss or damage suffered by you if there is any total or partial failure of performance of our duties and obligations occasioned by any act of God, fire, act of government or state, war, civil commotion, insurrection, embargo, inability to communicate with third parties for whatever reason, failure of any computer or settlement system, failure of or delay in the transmission of messages via any mobile phone network, prevention from or hindrance in obtaining any energy or other supplies, labour disputes of whatever nature, late or mistaken payment by an agent or any other reason (whether or not similar in kind to any of the above) beyond our control or that of our agents or sub-contractors. 66. The documents and records kept by us or on our behalf, whether on paper, microfilm, by electronic recording or otherwise, will, in the absence of manifest error, constitute conclusive evidence of any facts or events relied upon by us in connection with any matter or dealing in relation to the Account. 67. We are not obliged to grant or continue any additional facility or benefit made available to you which is not specified in the Agreement. Accordingly, any such facility or benefit may be varied or withdrawn by us without notice. 68. Save to the extent we are unable under applicable law to disclaim such liability, we shall not be liable for any loss or damage suffered by you as a result of the failure of third party providers of additional facilities and benefits to perform their duties and obligations. 69. We may record or monitor phone calls between you and us so that we can check instructions and make sure that we are meeting our service standards and to ensure the security of our business, and that of our customers and staff

9 15 Variation of the Agreement 70. These Conditions shall continue to apply to your Account unless and until altered by us in accordance with Conditions 71 to We may alter the terms of the Agreement from time to time. Alterations will normally be caused by market conditions, changes in the cost of providing the service, changes in legal or other requirements affecting us, promotional reasons or any other good reasons. 72. Unless we are permitted by law to give you shorter notice, we will notify you at least two months in advance of any alteration to these Conditions. 73. Notification of any such alteration (and notifications of alterations in the interest rate, the Credit Limit or the fees and charges) may be given by advertisement published in a national daily newspaper or post, or being enclosed with the Statement or the card, or by being prominently displayed at our branches in a notice addressed to All AIB Bank Card Holders, or by any other means required or permitted by law. 74. On receiving such notification, the Cardholder may end the Agreement and cancel the Card(s) in accordance with Condition 56. If you use the Card(s) after the notification you will be deemed to have accepted the changes. Notwithstanding any such termination, the Cardholder shall remain liable for all Transactions. Waiver 75. If we do not enforce any Condition of this Agreement, or we delay in enforcing it, this will not prevent us from enforcing the Condition retrospectively at a later date and will not constitute a waiver of that Condition. No liability for refusal or for goods or services 76. We shall not be liable for any loss arising as a result of the refusal or delayed acceptance of any Card by a Merchant or other third party, or for any loss or damage you may suffer as a result of the way in which any such refusal or delay is communicated to you or is otherwise published. 77. Save to the extent that we are unable under applicable law to disclaim such liability, we are not responsible for the delivery or condition of any goods and/or services paid for by a Card. We accept no liability for any loss or damage suffered in connection with any goods and/or services paid for by a Card. Severance 78. If at any time any provision of the Agreement is or becomes invalid, illegal or unenforceable in any jurisdiction in any respect, the validity, legality and enforceability of the remaining provisions thereof shall not in any way be affected or impaired thereby. 79. No provision in these Conditions shall affect your statutory rights under the Consumer Credit Act, 1995 or any regulations made thereunder. In the event of any conflict between these Conditions and such rights, your statutory rights shall prevail. Governing Law and Jurisdiction 80. The Agreement will be treated as having been executed within the Dublin Metropolitan area at AIB Card Issuing, Sandyford, Dublin The Agreement is governed by the laws of Ireland and for our benefit you submit to the Irish Courts with respect to any dispute out of or in connection with the Agreement. Copy Agreement and Larger Version 82. You can obtain a copy of these Conditions (including a version in larger print) and all other documents which make up the Agreement by contacting us. Our contact details are set out in the Contacting Us section of these Conditions. Language 83. These Conditions and all information and communication with you will be in English. Complaints 84. In the event that you wish to make a complaint you may do so by contacting us by telephone or in writing to us. Our contact details are set out in the Contacting Us section of these Conditions. If you are still not satisfied and you come within the jurisdiction of the Financial Services Ombudsman, you are entitled to take your complaint to the Financial Services Ombudsman, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2. Further details of our complaints procedures may be obtained by contacting us. Contacting Us 85. At the date of issue of these Conditions our contact details are as set out below. These may change from time to time and up to date details can be found on your Statements. Our address is: AIB Card Issuing PO Box 708 Sandyford Dublin 18 For lost, stolen or misused cards telephone us, 24 hours a day, at: or (from outside Ireland) For all other queries telephone us, 24 hours a day, at: (01) or (from outside Ireland) If we contact you by SMS Message in accordance with Condition 25 you may reply to the SMS Message. 86. Access to your Account by telephone and online (for example, via any message facility available on AIB Internet Banking or similar systems) or other electronic means will be in accordance with our procedures and the terms and conditions applicable from time to time for such access. 87. If you are posting your application to us please place it in an envelope addressed as follows: AIB Card Issuing, FREEPOST, PO Box 708, Sandyford, Dublin 18. Contacting you 88. Subject to applicable law we may contact you in person, by phone (including SMS Message), by post, by hand delivery, by fax, by or online (for example, via any message facility available on AIB Internet Banking or similar systems) or other electronic means. 16

10

11 MASTERCARD APPLICATION FORM MasterCard from Brown Thomas is offered in conjunction with Allied Irish Banks, p.l.c. Please complete this form in block captitals and tick (4) boxes as required. In order to comply with legislation to combat money laundering and terrorist financing we are obliged to identify our customers. For postal applications you may be requested to provide original photographic identification (passport/ driver s licence) and proof of address (e.g. current utility bill) to any AIB branch. Personal Details Employment Details Employee Self-employed Retired Homemaker Student Unemployed Other Occupation/Profession Financial Manufacturing Construction services Distribution Other Mr Mrs Miss Ms Other title (please state) Surname Employer s name and address (if self-employed, please give business name and address) First name Please spell out your name as you wish it to appear on the card using no more than 26 letters or spaces. Address Home telephone number Area Local code number Mobile number Country of Birth Date Number of birth of dependants D D M M Y Y Marital status Business telephone number Area Local code number Time employed Years Months Gross Total household Annual income income Method of payment Cash Cheque Credit Transfer Other Frequency of payment Weekly Fortnightly Monthly Irregularly Financial Details Bank name and address Single Married Widowed Separated/Divorced Are you A home Living with owner parents Tenant Bank sorting code number Account number Time at current address Years Months If tenant or at current address for less than 3 years, please give previous home address Time with bank Years Months Types of accounts held Current Deposit Loan Mortgage/Rent Loans H.P. Other Monthly commitments If house is mortgaged give: Balance Name of lender Valuation outstanding Mother s maiden name (for security purposes) Address Other cards held Visa MasterCard Diners Club American Express Store Card Preferred Payment Due Date Week 1 Week 2 Week 3 Week 4 Please indicate preferred week in month when you would like your monthly payment to fall due. If you do not indicate a preferred week, the Payment Due Date will default to Week 1.

12 Consent to Communicate** I consent to AIB contacting me at any time (including outside normal business hours) in connection with my Card and Card Account by personal visit and/or telephone, including at my place of employment, or business or elsewhere. **if you do not wish to give this consent please tick this box Data Protection Notice Use of Information How we use your information at AIB In this Notice, we explain how we collect informationabout you, how we use it and how you can interactwith us about it. Who We Are When we talk about AIB, or us or we in this Notice, we are referring to Allied Irish Banks, p.l.c. and its subsidiaries, affiliates and their respective parent and subsidiary companies ( AIB Group ). We will share information about you within AIB Group. How We Collect Information about You and Your Consent We collect personal information, for example when you open an account; make a deposit; apply for a loan; use your credit or debit card; or look for advice about your investments. We will also collect information from others, such as credit bureaus (like the Irish Credit Bureau), or through our website, apps, social media sites, community based discussion forums and CCTV footage. We will sometimes record phone conversations to improve security, resolve complaints, improve service and train our people. We will always let you know when we are recording our calls with you. Our websites use cookie technology. A cookie is a little piece of text that our server places on your device when you visit any of our websites. They help us make the site work better for you. You can find out more about cookies, including how to disable them on We also use cloud technology to store data including your information, to support our infrastructure and to deliver you real time personalised offers. By using our products and services, or asking about them directly or online, you are consenting to us collecting and using your information in the ways we explain in this notice and any future versions of it. How We Keep Your Information Safe We know that you care about how information about you is used, stored and shared. We appreciate your trust in us to do that. To protect your information we use security measures that comply with Irish law and meet international standards. This includes computer safeguards and secure files and buildings. What We Use Your Information For Offering and Managing Your AIB Products and Services We gather information about you and the products and services you use, or ask us about. We use this information to: make recommendations about the products or services you hold with us, decide how the products and services you don t yet hold might be suitable for you, and decide to offer these to you, the terms and conditions under which we offer them and how we will offer them to you, for example directly or through digital media. Developing Our Relationship Marketing and Customer Experience We may use your information for direct marketing purposes, where you have given us permission to do so. We may make you aware of products and services which may be of interest to you. We may do this by phone, mail, , text or through other digital media. You can decide how much direct marketing you want to accept, so we make it as easy as possible for you to change your direct marketing preferences, simply contact us directly online or by calling We will also use the information we have gathered on you to personalise your experience on digital media such as websites, apps, ATMs, social media sites, mobiles and tablet devices. This may include giving you product and service content we believe might be of interest to you. Data Analytics Using Information in Our Business We analyse the information that we collect and hold on you through channels such as social media networks (Facebook, Twitter, YouTube etc.). This helps us understand your behaviour, our relationship with you and also our position in a market place. Our analysis helps us to offer you products and services content we believe will be of interest to you. Our Legal Obligations We have legal obligations to prevent fraud, tax avoidance, money laundering and terrorist financing. These obligations mean we have to continually update our customer information. Often we have to share customer information with third party law enforcement agencies. Where false or misleading information is given to us, or we suspect criminal activity we will record this and tell the appropriate law enforcement agencies, which may be within and outside Ireland. Your Information and Third Parties We sometimes use other companies and individuals to work on our behalf or to give us information to help us make decisions. For example to: analyse data; collect debts; trace information; process information; and conduct market research. We contract with all third parties to whom we give your information for these purposes to keep your information confidential and to respect the law on data protection. If at any time you would like to be removed from our market research database please let us know by writing to AIB, Office of the Director of Retail & Business Banking, Bankcentre, Ballsbridge, Dublin 4. We use credit reference agencies to check your credit history, your debts, how you operate your accounts and to verify your identity. The credit reference agencies record these searches, whether we offer you credit or not. We give them information about the products and services you hold with us and we keep them updated about how well you repay credit. We do this so that we can make decisions about offering credit and carry out credit reviews. We may use credit scoring techniques and automated decision making systems to either fully or partially assess your application. Accessing and Managing Your Information We try to make sure that the information we have about you is accurate and up-todate. Sometimes we may ask you to verify that the information we have remains accurate. If your information changes or you believe we have information which is inaccurate or not up-to-date please let us know and we will change it. Under the Data Protection Acts you have the right to see the personal information we hold about you. We will charge you 6.35 for this. To get a copy of this information, write to your local AIB branch or to the SARS Unit, 4th Floor, 1 Adelaide Road, Dublin 2. Product Information - AIB Group AIB may like to contact you occasionally, as part of our customer service programme, to advise you of AIB Group products and services that may be of benefit to you and relevant to your banking requirements. (AIB Group means Allied Irish Banks p.l.c., its subsidiaries and associated companies). Are you happy to be contacted by , Phone and Post? Mail Y N Phone Y N Y N Brown Thomas Encore Rewards programme As a successful applicant of the Brown Thomas MasterCard you will be enrolled in the Brown Thomas Encore Rewards programme. To facilitate this AIB will share certain information with Brown Thomas, this will be done with regard to obligations under data protection legislation. As a member of the programme, you may be offered money back, discounts or other benefits on purchases in Brown Thomas and BT2 stores. The Encore Rewards programme is administered by Brown Thomas and not the AIB Group. By proceeding with this application you indicate your consent to membership of the Encore Rewards programme and use of your personal information for the purposes referred to in this section. In addition, Brown Thomas will also send you invitations to shopping evenings and customer events as well as information relating to special offers. If you do not wish to receive this additional information from Brown Thomas you may object free of charge by contacting Brown Thomas at Data Protection Office, Brown Thomas, Grafton Street, Dublin 2 and the phone number will be For Brown Thomas use only Brown Thomas Staff No. Date Store Code Authorised Signature Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Government stamp duty of n30 is charged annually per credit card account. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.

13 Request for Additional Card for an Authorised User You can have one additional cardholder who is a family member (defined as parent, spouse, partner, sibling or child over 16 years) who normally resides at your address on your Brown Thomas MasterCard Account. Existing AIB Credit Cardholders: Any existing Authorised User on your account will automatically be transferred over to your new account. If you do not wish to transfer your existing Authorised User then please tick the box opposite. If you wish to amend or add an Authorised User then complete the area below. Please issue a Brown Thomas MasterCard and related Personal Identification Number (PIN) to me. I have read and agree to be bound by the Conditions of Use and join in the consents and understandings set forth in the request for the Brown Thomas card facilities above in so far as they relate to me. Mr Mrs Miss Ms Other title (please state) Surname First name Please spell out your name as you wish it to appear on the card using no more than 26 letters or spaces. D D M M Y Y Date of Birth Signature of Authorised User AIB SEPA Direct Debit Mandate By signing this mandate form, you authorise (A) AIB to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with the instructions from AIB. As part of your rights, you are entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited. Your rights are explained in a statement that you can obtain from your bank. Please complete all the fields marked *. *Customer Name *Customer Address City Post Code Country Request for Card Facilities Please issue a Brown Thomas MasterCard and confidential Personal Identification Number (PIN) to me and open an AIB Account in my name. I confirm that I am over 18 years of age and that the information given herein is true and complete. In order to comply with legislation to combat money laundering and terrorist financing, I agree to furnish you with suitable evidence of identity and permanent residence and consent to you making such other enquiries in connection with this application as you deem appropriate. In the interest of combating crime arising from the use of credit cards, I consent to the information herein supplied being held on and being accessed through a centralised data bank. I have read and agree to be bound by the Conditions of Use. I consent to the above conditions governing Use of Information as contained in the Data Protection Notice. If my application is accepted, I authorise you (if so requested) to issue an additional Brown Thomas MasterCard and confidential PIN to the person named above as an Authorised User on my AIB Account. I hereby confirm the Authorised User is a family member (defined as parent, partner, spouse, sibling or child over 16 years) who normally resides at my address. Signature of Principal Cardholder X For branch use only I confirm that this application complies with the Criminal Justice Act, 1994 BRANCH BRAND Compliance with CJA 94 Yes No Type of Document Issued By/At Ref. No Customer ID Provided Permanent Add. Verified CJA Folio No. Recommended I.D. Credit Limit number Authorised Signature Date CL LC SC LID SID *Type of payment: Recurrent payment or One-off payment *Customer account number IBAN *Customer bank identifier code BIC Creditor s name AIB Card Issuing Creditor address PO Box 708 Sandyford Dublin 18 *Date of signature D D M M Y Y Signature(s) Please sign here X Please return this mandate to the Creditor Credit Card Number Please tick ( ) the box below indicating the direct debit option you require 3% 5% 10% 20% (min of 6.35) 25% 50% 100% If the mandate is completed and no box is filled, the 3% option will apply. POT DD Processing NSC AIBM/BT 06/15

14 Please fold out your AIB BT MasterCard Application Form Checklist to help you complete your application form Have you completed? Your first name and surname in full, your address and your date of birth. Your employment and financial details. All other relevant sections in BLOCK CAPITALS. Ticked all the boxes which apply to you. If you are requesting an additional card for an Authorised User has the Authorised user signed the relevant section? Signed and dated the Request for Card Facilities. The Direct Debit Instruction, if you have opted to pay by direct debit. Postal Information If you are posting your application to us, please detach and place it in an envelope addressed as follows: AIB Card Issuing, Freepost, PO Box 708, Sandyford, Dublin 18.

15 AIB/BT 06/15 AIB040C00007APP EXPERIENCE THE EXTRAORDINARY ENCORE REWARDS