Welcome to your Gold Visa Business Card

Welcome to your Gold Visa Business Card

Thank you... for choosing Bank of Ireland as your commercial card provider. This document is important, please take a few minutes to read this leaflet. It provides you with all the information you need to get the most from your Gold Visa Business Card.

Guidance on our Credit Card Facilities We apply lending criteria when you apply for a Visa Business or Gold Visa Business Credit Card and we decide to approve applications for Credit Cards based on them. If we approve a Credit Card for you, terms and conditions will apply but we will make sure you have these before you commit to the facility. Some important information to be aware of SME s: This stands for Small and Medium Enterprises ATM: This means Automated Teller Machine All rates quoted for credit cards are variable Credit Cards are liable to Government Stamp Duty, currently 30 per cardholder account An Annual Fee of 31 applies to Visa Business Cards and 120 to Gold Visa Business Cards Annual fee waivers forming part of an introductory offer will only apply for the set period of that offer. Your Visa Business Card or Gold Visa Business Card will revert to the standard annual fee thereafter All information and rates quoted are effective from August 2011 and are subject to change The Account holder remains solely liable for all charges incurred by any cardholder of a Visa Business or Gold Visa Business Credit Card Terms and Conditions apply to Bank of Ireland Business On Line and the Gold Visa Business Online service Calls are recorded to monitor the on-going quality of our service and for security and verification purposes Additional Services Travel Insurance is arranged by Bank of Ireland Insurance Services Limited through Bank of Ireland Card Services and underwritten by Chartis Insurance Ireland Limited. Bank of Ireland Insurance Services Limited is a member of the Bank of Ireland Group. Bank of Ireland Insurance Services Limited is regulated by the Central Bank of Ireland. Chartis Insurance is regulated by the Central Bank of Ireland Liability Waiver Insurance is underwritten by Jardine Lloyd Thompson. Jardine Lloyd Thompson and Lloyds of London are regulated by the Financial Services Authority in the UK. A copy of the Liability Waiver Insurance document can be downloaded from the Bank of Ireland website. Terms and conditions apply The Gold Visa Business Online service (360Control) is provided by First Data Commercial Services Limited on behalf of Bank of Ireland and a helpdesk service for Gold Visa Business Cardholders is provided by 360Control. It is the company s responsibility to control access rights of employees to the system. From time to time the First Data (360Control) system may be unavailable due to maintenance or system failure Bank of Ireland cannot accept any responsibility for this The Aer Lingus Gold Circle Lounge facility applies to Gold Visa Business Cardholders travelling on Aer Lingus scheduled flights only. Gold Visa Business Cardholders are not members of the Aer Lingus Gold Circle Club. Aer Lingus or its staff and agents reserve the right of admission to any of its lounges or contracted lounges WhiteConcierge provides emergency medical, legal and lost and stolen support to Gold Visa Business Cardholders. Customers must register with WhiteConcierge to avail of this service. WhiteConcirege will make every effort to ensue that all information supplied is correct, however, as WhiteConcierge is reliant on information sources outside of its control it cannot be held liable to the accuracy of information provided. Calls are recorded to monitor the on-going quality of their service and for security and verification purposes Bank of Ireland does not accept any liability in respect of products or services rendered in connection with First Data Commercial Services Limited, Aer Lingus, WhiteConcierge, ITP (International Trip Partnership) Hotel Programmes. Bank of Ireland is not responsible for information on third party websites

Managing your card online With our online banking service Gold Visa Business Online you can view your statement and analyse all spending at cardholder and company level - Register for this service now so that it s ready to use the minute you need it. How to register 1 Log on to www.boibusinesscards.ie 5 Cardholder 6 Step Registration Information 2 Click Self Register 1. Gold Visa Business Card Number 2. Embossed Name on the Gold Visa Business Card 3. Email Address 4. Telephone Number 5. Date of Birth 6. Mothers Maiden Name 3 Choose one... 5 Administrator (Individual who manages the Card Programme for the Business) 5 Step Registration Information 4 4 Cardholder Administrator 1. Email Address 2. Company Password 3. Telephone Number 4. Date of Birth 5. Mothers Maiden Name

Services available to you online E-Statements Each Gold Visa Business Cardholder may access his/her own statement and print the statement in PDF format. You can also access up to 13 months of historic statements. Administrators will be provided with access to the statements of all cardholders for whom he/she is responsible and a summary enquiry of all cardholder activity. Administrators will be provided with additional access to the following reports: a) Merchant Category Group and Merchant Category Code Reports These reports allow the user to monitor each Merchant Category Group (MCG), Merchant Category Code (MCC) and Merchant with whom cardholders have been spending. This enquiry can be downloaded into an excel format to create customised reports. b) Cardholder Reconciliation Enquiry This facility allows the user to view a summary of cardholder activity - opening and closing balances, total payments and purchases of every cardholder for daily, weekly, monthly and quarterly billing periods. c) Cardholder Activity Report This report allows the user to view a summary of cardholder activity - number of transactions, average value of transaction for a billing period or specific time periods - daily, weekly, monthly quarterly etc. d) Cardholder Transaction Report This report provides the user with the ability to view spend at line detail level for each cardholder, which enhances statement information. This report may be run daily, weekly and monthly.

Access to Gold Circle Lounges Every Gold Visa Business Cardholder and a travelling guest has unlimited access to the Aer Lingus Gold Circle Lounges in Dublin, Cork and Shannon as well as more than 40 affiliated lounges in airports worldwide, when travelling on Aer Lingus scheduled flights. Aer Lingus Gold Circle Lounges Ireland UK Cork, Dublin, Shannon Belfast, Birmingham, Edinburgh, Glasgow, London - Gatwick, London - Heathrow, Manchester, Newcastle Gaining access to Aer Lingus Gold Circle Lounges If you hold a Bank of Ireland Gold Visa Business Card you will be able to use any of the Aer Lingus Gold Circle or affiliated lounges. At some airports, where an Aer Lingus handling partner provides lounge facilities, you may need to register at check-in for the lounge visit. Once you produce your Bank of Ireland Gold Visa Business Card, the Check-in staff will provide you with a lounge invitation, which you can use to locate and access the lounge. Ask at check-in if you need to register or not. Europe USA Alicante, Amsterdam, Berlin, Bologna, Brussels, Budapest, Copenhagen, Dusseldorf, Faro, Frankfurt, Geneva, Gran Canaria, Jersey, Lanzarote, Lisbon, Madrid, Malaga, Milan - Linate, Milan - Malpensa, Munich, Naples, Nice, Paris, Prague, Rome, Sofia, Tenerife, Vienna, Zurich Boston, Chicago, Orlando, New York (correct at time of print 04/12) Cardholders also have access to priority check in facilities on all long haul routes, wherever these are provided by Aer Lingus.

WhiteConcierge Emergency Travel Assistance This service will support you if something goes wrong and you find yourself in a vulnerable situation. If you are in trouble abroad, if you are injured or if you need help anytime of the day or night. You can register all your personal and business cards with this service. Register today. To register 1. Telephone the WhiteConcierge Emergency Assistance dedicated customer service number on +44 1733 862 606. 2. The Customer Service Agent will ask you some verification questions (Questions will be based on the information you provided on the original application form). The service is available 24/7 and includes: Lost or stolen services Emergency cash replacement: Receive emergency cash following the loss or theft of cash, credit cards and/or travellers cheques. Lost or stolen passport: Telephone numbers, addresses and opening hours of the nearest consulate or embassy including, where required, additional advice and support on the processes for arranging passport replacement. Lost or stolen mobile phone assistance: Assistance in reporting the loss or theft of mobile phones. Emergency medical services Medical information: Access to information detailing the location, addresses, telephone numbers and opening hours together with details of specific facilities, capabilities or medical specialities and languages spoken. Information is available for hospitals, doctors, dentists and pharmacies. Medical assistance: The following services are available dependant on circumstances: Emergency evacuation to a superior medical facility Medical repatriation to country of domicile Guarantee of payment to treating facility/facilities Provision of direct communication between Service Partner s doctor and treating doctor Information updates between Service Partner s doctor and the Customer and the Customer s relatives Legal referral Customers will have access in most major locations worldwide to addresses of available lawyers, along with telephone numbers and opening hours. This is an information service only and does not extend to the giving of legal advice or recommendation individual lawyers. Up to date travel advice Advice of the first available flights, arrangement of car hire, a chauffeur driven vehicle or accommodation. Emergency interpretation Access to a multi-lingual interpretation service by telephone. Emergency messaging service Access to a Lifestyle Consultant who can arrange for a brief message to be delivered to a friend, relative or organisation by telephone, fax or e-mail. As a Visa Business customer you can also avail of: Comprehensive travel insurance Please see Travel Insurance booklet for further details. Discounts on hotels worldwide Selected hotel discounts of up to 40% on hotels worldwide available through ITP (International Travel Partnership) Hotel Programmes as listed on http://visa.itptravel.net

Online Helpdesk Our helpdesk is available to assist you with tasks such as: Log on issues Forgotten passwords / ID s Locked out users Running reports The helpdesk is available from Monday to Friday from 8.00am to 5.30pm Should you require assistance, please call our helpdesk on: (01) 676 2852 Emergency Helpline & Customer Service Emergency Helpline Numbers Customer Service At home, call: 1890 251 251 Abroad, call: +353 56 775 7747 24 Hour Lost or Stolen Helpline At home, call: 1890 706 706 Abroad, call: +353 56 775 7007 (Lost or stolen cards ONLY) Bank of Ireland is regulated by the Central Bank of Ireland. Give this to your PA or to a family member to hold in case of emergency Emergency Helpline Numbers Customer Service At home, call: 1890 251 251 Abroad, call: +353 56 775 7747 24 Hour Lost or Stolen Helpline At home, call: 1890 706 706 Abroad, call: +353 56 775 7007 (Lost or stolen cards ONLY) Bank of Ireland is regulated by the Central Bank of Ireland.

Help Desk Gold Visa Business Online (Monday to Friday from 08:00 to 17:30) Call: 01 6762852 WhiteConcierge Emergency Assistance (for WhiteConcierge ONLY) Call: +44 1733 862 606 If you lose your phone or your wallet just log on to www.bankofireland.com/goldvbc at your nearest internet point to get access to any of the numbers you need. Visa Business Card and Gold Visa Business Card INTEREST RATES, FEES & CHARGES Fees Interest rate (for Purchases) Interest rate (for Cash) Visa Business Card 17.39% (variable) 17.39% (variable) Gold Visa Business Card 17.39% (variable) 17.39% (variable) Annual Fee 31 per card 120 per card Cross Border Handling Fee Transactions in euro within the European Union and certain non-european Economic Areas to which the relevant European Union regulations apply - All other transactions Copy Statement on request Cash Advance Fee Returned Payment Charge Government Stamp Duty charged annually on 1st April No charge 1.75% of value of transaction 3.80 for first page, 2.50 for each subsequent page 1.5% of value of transaction (min 2.54) 3.17 per unpaid item No charge 1.75% of value of transaction 3.80 for first page, 2.50 for each subsequent page 1.5% of value of transaction (min 2.54) 3.17 per unpaid item 30 per card 30 per card Effective from August 2011 Help Desk Gold Visa Business Online Interest Rates, Fees and Charges are correct at time of printing and are subject to change (Monday to Friday from 08:00 to 17:30) Call: 01 6762852 WhiteConcierge Emergency Assistance (for WhiteConcierge ONLY) Call: +44 1733 862 606 If you lose your phone or your wallet just log on to www.bankofireland.com/goldvbc at your nearest internet point to get access to any of the numbers you need.

www.bankofireland.com Bank of Ireland is regulated by the Central Bank of Ireland. 51-55RU.3 (04/12)