AFFINITY CREDIT CARD APPLICATION FORM

Affinity Credit Card

Application Form

Dublin City University has joined with AIB to offer you a special Affinity Credit Card, issued exclusively to Dublin City

University graduates, staff, students and friends of the University.

The DCU Visa Credit Card offers great benefits including:

•

No annual bank fee

•

Up to 56 days interest-free credit

•

An introductory annual interest rate on purchases and Balance Transfers for 12 months from the date the credit card

account is opened

•

Contactless payments

•

Statements carry updates on events and happenings in DCU.

Why choose a DCU Visa Credit Card?

Apart from offering great benefits to you, AIB has undertaken to make a contribution to the University for every account

opened and for every purchase made. So, the more cards and the more transactions, the more DCU benefits at no cost

to you and without disclosing your account details. Funds raised from the bank’s contribution will help resource DCU

initiatives. You can find out more on how we will use the money at http://www.dcu.ie/alumni

Benefits to DCU

The library image – why it was chosen

The John and Aileen O’Reilly Library symbolises the transformation of DCU into a modern, innovative and accessible

university.

This beautiful landmark, designed by Scott Tallon Walker, is a hub of activity for the DCU community representing

knowledge, ideas, student-centred learning and research.

The Library stands at the eastern end of the campus and is balanced at the western end by The Helix Arts Centre giving a

holistic sense of community to the students who study and live here.

This is the DCU of today, a university that you have helped create.

Up to 56 days Interest Free Credit

If you clear your balance in full and on time each month, you will avoid paying interest.

Cash conveniently at hand

At home or abroad, you can rely on your DCU Visa Credit Card along with your PIN (Personal Identification Number) to

obtain cash. Simply visit any ATM or bank where you see the Visa logo.

Please note Fees and charges apply. Please refer to

the Standard European Consumer Credit Information on page 4 of this brochure.

Contactless Payments

The card is enabled for Contactless payments. When the transaction is less than

€50, you can choose to touch and pay where you see the Contactless symbol.

Share the benefits with a second card

You can nominate an additional cardholder who is a family member (defined as a parent, spouse, partner, sibling or child

over 16 years) who normally resides at your address on your AIB DCU Visa Credit Card Account for free.

You’ll have all the convenience of two cards with the peace of mind of a single bill.

All rates are variable. For further information on all fees and charges on the DCU Visa Credit Card please refer to the

Standard European Consumer Credit Information on page 4 of this brochure.

Notes

1 Government stamp duty of n30 is charged annually per credit card account.

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) 6685500 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.

Please complete the enclosed application form and simply hand it in to your

local

AIB branch or post it directly to AIB Card Issuing at:

FREEPOST

PO Box 708

Co Dublin

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.

We are required by law to collect and verify your Personal Public Service Number (PPSN) or Tax Reference Number (TRN).

This is required by the Central Bank of Ireland’s Central Credit Register for customer identification.

In order to verify your PPSN/TRN you may need to provide us with an original or electronic version (for example, a

PDF or photo) of a document showing your PPSN/TRN and full name. For a full list of acceptable documents and more

information on how to provide it, visit www.aib.ie/ccr or your local AIB Branch.

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.

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 18

01 6685500

www.aib.ie

2. Description of the main features of the credit product

The type of credit Open ended credit agreement subject to an agreed credit limit.

The total amount of credit

This means the credit limit or

the total sums made available

under the credit agreement.

€1,500

The above figure is a representative figure and may not be your actual credit limit.

The conditions governing the

drawdown

This means how and when you

will obtain the money.

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.

The duration of the credit

agreement

The duration of the credit agreement is indefinite, subject to termination in accordance with the conditions of

the credit agreement.

Instalments and, where

appropriate, the order in which

instalments will be allocated

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.

The total amount you will have

to pay

This means the amount of

borrowed capital plus interest

and possible costs related to

your credit.

€1,606.44

The above figure assumes that you make purchases to the full extent of a €1,500 credit limit, (inclusive of

Government Stamp Duty charge of €30), and you repay in 12 equal monthly repayments and interest rates

remain the same. Interest charged €106.44.

3. Costs of the credit

Different borrowing rates which

apply to the credit agreement

Annual Interest Rates

Purchases 13.09% (variable)

Cash Advances 19.68% (variable)

Introductory rate on Purchases* 3.83% (variable)

Introductory rate on Balance Transfer* 3.83% (variable)

These rates may be subject to change.

*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.

DCU Visa Credit Card

Information effective from 16th June 2020

AIB VISA

FX Transactions – Visa Europe Region 1.75% of transaction value

FX Transactions – Visa Rest of World 2.75% of transaction value

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.

APR 18.4% (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.

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

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.

Any other costs deriving from

the credit agreement

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. This fee will not apply if your account is in credit for

the full amount of the transaction when it is debited to your account.

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.

Conditions under which the

above mentioned costs related

to the credit agreement can be

changed

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.

Costs in the case of late

payments

Missing payments could have

severe consequences for you

and make obtaining credit

more difficult.

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.

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.

Yes

Early repayment

You have the right to repay the

credit early at any time in full

or partially.

You have the right to repay your card at any time by repaying the outstanding balance on the card and all

outstanding card transactions, fees, charges and interest.

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.

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.

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 We are regulated as a credit institution by the Central Bank of Ireland of PO Box 559, Dublin 1 and our principal

business is the provision of financial services. Our head office and registered office is at 10 Molesworth Street,

Dublin 2.

We are registered at the Companies Registration Office, Dublin under registration number 24173. Our VAT number

is IE8E86432H.

The supervisory authority Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.

(b) concerning the credit agreement

Exercise of the right of

withdrawal

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 01 6685500 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.

The law taken by the creditor

as a basis for the establishment

of relations with you before the

conclusion of the credit contract

Irish law will govern the establishment of relations with you before the conclusion of the credit agreement.

Clause stipulating the governing

law applicable to the credit

agreement

and/or the competent court

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.

Language regime 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.

Existence of and access to out-

of-court complaint and redress

mechanism

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 and Pensions Ombudsman,

you are entitled to take your complaint to the Financial Services and Pensions Ombudsman, 3rd Floor, Lincoln

House, Lincoln Place, Dublin 2. Further details of our complaints procedures are available on www.aib.ie or may be

obtained by contacting AIB.

AIB Personal Credit Card

Terms and Conditions of Use effective from 31 January 2021

GENERAL TERMS AND CONDITIONS OF USE

The use of your Card is governed by these terms and conditions

(“Conditions”). When you use your Card you are deemed to have accepted

these 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 the agreement between the Cardholder and us for

the opening of an Account and the issue of a Card and incorporates these

Conditions, the Card application form, each Card Carrier, the Digital Wallet

Agreement (as applicable), 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.

AIB Banking App means an AIB application which can be downloaded from

a software application distributor(s) and which can be used for authentication

purposes as required when making Transactions, to access banking services

and/or such other uses as we may designate from time to time.

Authorised User shall have the meaning set out in Condition 16.

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 open for business in Ireland and, where a payment to an

account with another financial services provider is involved, is a day on which

they are also open for business.

Card means any credit card issued by us to the Cardholder or any Authorised

User for the purpose of effecting Transactions on the Account pursuant to

the terms of the Agreement, including any virtual or digital representations

of such Cards registered in a Digital Wallet (a “Digital Card”) and this

incorporates all elements of that Card, including without limitation, the Chip

and Card number. Where the context or provision so requires, reference to

“Card” or “Cards” within these Conditions shall be limited to a physical credit

card.

Card Carrier means the separate confidential mailing slip or cover sent with a

Card, containing instructions regarding its authentication and security.

Cardholder means only the person in whose name the Account is maintained

including their successors and assigns and does not include Authorised Users.

Card Scheme means a scheme governing the issue and use of Cards, for

example Visa, as that Card Scheme or name may change or as we may

replace that Card Scheme from time to time.

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 and each one will be referred to

as a ‘Condition’.

Contactless Transaction means a Transaction that is authorised by you

touching the Card or Device against a terminal, generally without the need to

insert your Card. Whether this is available or not depends on the amount of

the Transaction. You may or may not have to use your PIN or Security Details.

Not all terminals can process such Transactions.

Credit Limit means the maximum debit balance that you are allowed to have

outstanding on the Account at any time.

Device means a mobile phone, tablet or other device that a Digital Card has

been registered to or that you use to access a Digital Wallet and/or an AIB

Banking App.

Digital Card shall have the meaning set out within the definition of Card.

Digital Wallet means a digital wallet or any electronic payment system that

your Card has been registered to, which allows you to use your Card or an

electronic record of your Card to carry out Transactions.

Digital Wallet Agreement means any terms and conditions applicable to a

Digital Wallet (as may be amended from time to time) which is either offered

by us or by a third party provider in agreement with us.

EEA means the current members of the European Economic Area as may be

amended from time to time.

Funds Transfer means a transfer of funds either from or to your Card using

a funds transfer service 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.

Outstanding Balance means, at any time, the debit balance outstanding on

the Account at that time.

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.

Safeguard System means a system to aid the secure use of your Card

online, for example, Visa Secure, as such system or name may change or be

replaced from time to time.

Security Details means any security details arising out of any security

procedure that we may require you to follow or use to make an instruction,

confirm your identity or access a Device or certain functionality on that Device

(for example, a password, passcode, access code, security code, or biometric

data (to include but not limited to, voice or a fingerprint)).

SMS Message means a text 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 (eStatement) issued by us,

in respect of the Account.

Third Party Agreements means any third party agreements, you are subject

to, which relate to your use of your Card and/or Account as detailed in

Condition 76.

Transaction means a transaction in which a Card is used to obtain goods,

services or cash on credit (including through the use of a Digital Wallet), 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 this includes our successors and assigns. We are regulated as a

credit institution by the Central Bank of Ireland of PO Box 559, Dublin 1 and

our principal business is the provision of financial services. Our head office

and registered office is at 10 Molesworth Street, Dublin 2. We are registered at

the Companies Registration Office, Dublin under registration number 24173.

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 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 Card Scheme logo is

displayed. A Credit Limit is applied and interest is payable after any

relevant interest free period.

2. We have duties under laws concerning money laundering, financing

of terrorism and taxation to ask you, or someone opening an Account

and/or applying for a Card on your behalf, for certain information about

you and/or the person opening the Account for you. Unless we already

have it, you and/or the person opening the Account for you will need

to provide us with information to identify each or any of you and proof

of your permanent address. We may also need documentation to

prove your relationship with the person opening the Account on your

behalf. Your Account may not become active until we have received and

approved these documents.

3. There is a variety of means by which you can authorise Transactions,

these include:

• 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 for Transactions by mail, phone,

Device, or online or by use of a Safeguard System (including the use

of your Digital Card through a Digital Wallet);

• authorisation by means of your Card and/or Device to effect a

Contactless Transaction, where your Card and/or Device is enabled

to effect Contactless Transactions; and

• authorisation by means of your Card and signature.

Looking after your Card, PIN and other Security Details

4. The Card PIN and Security Details must be used in accordance

with these Conditions and any other terms and conditions used in

connection with your Card. Each Card is and remains our property and

may be cancelled, suspended, blocked, recalled or retained by us in

accordance with the provisions of the Agreement.

5. You must:

• sign your Card as soon as you receive it using a ball point pen;

• exercise all reasonable care to keep your PIN and Security Details

secret and your Card and any Devices 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;

• ensure we have your up to date contact details. For example we

will need details such as your mobile phone number, home phone

number (if applicable), address and e-mail address in order to

confirm your identity to us for certain online Transactions, if needs

be. We may also use these details as set out in the `Contacting

you’ and in the ‘Variation of the Agreement’ sections of these

Conditions. Please tell us immediately if there is a change to any such

details or a change of name, bankers, business, or your address to

which Statements are sent so that we can issue your Statements

in accordance with the ‘Monthly Statements and Payment

Arrangements’ section of these Conditions; and

• before you replace or dispose of a Device, you must ensure you

delete any Digital Wallet or AIB Banking App from that Device. You

should also immediately delete any information such as an email or

SMS Message sent or received by you in connection with your Card

or Account. You must not have any reference(s) to or details of your

PIN or any Security Details on your Device.

6. You must not:

• let anybody else obtain, know or use your Card, PIN or Security

Details;

• disclose your Card number to anyone, except when carrying out a

Transaction or to verify your identity or to register or activate a Card

for use in connection with a Digital Wallet or otherwise, or to report it

lost, misused, stolen or likely to be misused;

• write or record in any other manner your PIN or Security Details; or

• give your Device to other people or allow others to use it as they may

be able to access or use your Digital Card or AIB Banking App.

Credit Limit

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 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.

8. When you make a Transaction using your Card, the balance on the

Account will usually be increased immediately by the amount of

the Transaction. Sometimes, a Merchant (for example, a self-service

petrol station or hotel) may obtain a specific pre-authorisation for

an amount agreed with you. This pre-authorised amount may not

immediately increase the balance but may reduce your Available Credit.

The pre-authorised amount may only be charged to your Account by

the Merchant in certain circumstances (for example, where you have

obtained goods or services to the value of the pre-authorised amount)

if agreed by you with that Merchant. Once the Merchant instructs us to,

we will remove the pre-authorised amount from your Card as soon as

possible. We recommend that you review your Account details online on

a regular basis. Please contact us if you have any queries as set out in

the ‘Contacting us’ section.

Restrictions

9. A Card must not be used:

• if the Agreement is ended;

• after a Card has expired or been reported lost, misused or stolen

or has been cancelled, blocked or suspended or if your Card, your

Security Details or PIN have been compromised in any way;

• in respect of a Digital Card, after that Digital Card and/or your

Account relating to that Digital Card has expired or has been

cancelled or suspended or any applicable Device has been

compromised, lost, misused or stolen;

• at any Cash Machine abroad in violation of local regulations in that

jurisdiction; 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 Cards will be regarded as normal

outstanding balances and not Balance Transfers.

Cash Withdrawals (also see Transactions)

11. Your Card may be used for cash withdrawals, advances made by Card

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 daily cash limit will be determined by us and may vary from

time to time. Details of the daily cash limit are available by contacting us

as set out in the ‘Contacting Us’ section of these Conditions.

13. We are not obliged to provide Cash Machine facilities at any particular

time and may withdraw or terminate such facilities without notice. We

are not liable for any loss or damage sustained or incurred resulting

from (i) failure to provide any Cash Machine facilities, or (ii) 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 in the

relevant jurisdiction(s). These limits and regulations may change from

time to time.

15. Our standard fees apply if you use your Card abroad to transact in

euro. However, we have no control over third parties that might apply

a charge to you for processing the Transaction or who convert the local

currency into euro and charge for doing this. We also have no control

over the rates they may apply. This may result in an amount debited

from the Account that is different from the amount you withdrew. We

do charge for non-euro Transactions as detailed in the fees and charges

booklets available on our website or in branches or by contacting us as

set out in the `Contacting us’ section of these Conditions.

Authorised Users

16. At the request of the Cardholder we may permit the issue of an

additional Card on the Account, 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 enquire by contacting us as set

out in the ‘Contacting us’ section of these Conditions, as to whether this

facility is available. If we consent to the issue of an additional Card on

the Account, 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 (for example Condition 32). It is the responsibility

of the Cardholder to furnish the Authorised User with a copy of

these Conditions and any amendments, extensions or supplemental

conditions that we may notify the Cardholder of from time to time. The

Cardholder must ensure that the Authorised User complies with these

Conditions. The Cardholder is primarily responsible for all Transactions

for which the additional Card on the Account is used, including those

charged to the Account after the additional Card has been returned to

us.

17. We reserve the right to cancel an Authorised User’s Card at any time. If

we do, we will contact the Cardholder beforehand. We can also cancel

any additional Card at any time if the Cardholder contacts us to request

this by contacting us as set out in the ‘Contacting us’ section of these

Conditions, in which case the additional (physical) Card, must be cut in

two (through the signature box, magnetic strip and Chip) for security

reasons, and be returned to us at the address in the ‘Contacting us’

section of these Conditions. How we can contact each other is also set

out in the ‘Contacting us’ section. All applicable Digital Cards related to

the Card must be deleted or deregistered from any applicable Device.

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 (including any

Digital Cards related to the 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

20. You must exercise all reasonable care and take all necessary steps to

ensure the safety of the Card, PIN, Security Details, and any Devices. If

you think someone else knows your PIN or Security Details or if your

Card or any Device is lost, misused, stolen, used, or likely to be used, for

a fraudulent or improper purpose, or you think the safety or use of your

Card and/or Device is or may be in any way compromised, you must

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 or the compromise of its details or

your PIN or Security Details will be accepted by us from card protection

service organisations and/or the Card Schemes.

22. By reporting a Card and/or a Device as lost, misused or stolen or as

being used, or likely to be used, for a fraudulent or improper purpose,

or where the safety of the Card and/or Device has or may have been

compromised, you will be deemed to have thereby authorised us to

cancel that Card (including any Digital Cards registered or accessed on a

reported Device). The Card and/or Digital Card must not be used again.

If found, your physical Card 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. Except as set out in Condition 24 below, if you notify us without undue

delay that a Transaction was not authorised by you arising from the use

of a lost, misused or stolen Card, or from a failure to keep your Security

Details safe, usually we will refund the amount of the unauthorised

Transaction to you and restore your Account to the state it would have

been in had the unauthorised Transaction not taken place. We will not

have any further liability in this respect. However, if we have reasonable

grounds for suspecting fraud and communicate this to the relevant

national authority we may not refund you.

24. However, you will be liable for the full amount of all unauthorised

Transactions where it is established that you acted fraudulently, or with

gross negligence or intentionally failed to adhere to the following:

• the safekeeping and/or disclosure requirements of your Card, PIN or

any Security Details;

• the security requirements applicable to a Digital Card and/or Device

as set out in the relevant Digital Wallet Agreement, and/or this

Agreement;

• any reasonable security requirements applicable to a Digital Card

and/or Device as set out in the relevant Third Party Agreement and/

or any other agreement relevant to your Card;

• any Transactions were effected as a result of the breach of Condition

6; or

• any Card (including any Digital Card) is used by any other person

outside the terms of this Agreement and who has possession of it

with your consent.

25. In the event of notification by you in accordance with Condition 20

above, you will co-operate with us and the police or other relevant

authority in any investigation and give us and the police or other

relevant authority all information relating to such loss, theft or

disclosure and all reasonable assistance. You authorise us to inform any

appropriate third party of the loss, theft or possible misuse of the Card

and to give them such other information as may be required.

26. If as a result of investigation, we establish that the Transaction claimed

as unauthorised is in fact an authorised Transaction, we may charge

your Account with any amount refunded and re-charge any fees and/or

charges (including interest) that you owe us.

27. If we suspect that a Card is being used improperly or fraudulently or in

breach of the Agreement, or its security has been compromised, we may

take whatever action we consider appropriate, including investigating,

intercepting, refusing or delaying payments to or from your Account

and/or declining to authorise Transactions on the Account for any valid

reason (for example, where we may suspect fraud, money laundering,

terrorism, if we believe we have been provided with incorrect

information or we have concerns about the security of your Account).

We may contact you to satisfy ourselves in relation to the nature of the

Transaction or payment on the Account. We will try to contact you by

SMS Message or as otherwise set out in the `Contacting you’ section of

these Conditions before we take a decision to decline authorisation of a

Transaction or take any of the actions set out in this section. If we contact

you by SMS Message you may be asked to confirm a Transaction or a

payment by sending us an SMS Message in reply. It may not always be

possible for us to contact you before we cancel, block or suspend your

Card or decline a Transaction or take any other necessary steps but we

will do our best to do so. This is done for your protection and we are

not responsible for any loss or damage that might be caused as a result.

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

28. The amount of all Transactions will be debited to the Account reducing

the Available Credit. The timing of the debit may vary and may depend

on when we receive the Transaction details, for example when we

receive such 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 (also see Cash Withdrawals)

29. Use of your Card is subject to Transaction and daily limits as set by us,

which may vary from time to time. 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 phone, Device, mail order, online, PIN, Security Details, signature,

by use of a Safeguard System, by way of a Contactless Transaction or

by using a Digital Wallet, even where such Transactions are effected

or are in breach of these Conditions. When a Transaction is authorised

by your use of your PIN, any Security Details, Safeguard System or

other authentication process, this will be regarded as evidence that

the Transaction was authorised by you. You should therefore check the

amount of every Transaction and that all other details and information

relating to the Transaction are correct before you authorise it. You can

to our Transaction and daily limits. Our contact details are set out in

the ‘Contacting us’ section of these Conditions. When requested, if

you are unable to provide your PIN, Security Details or complete any

authentication process, we may decline to authorise the Transaction.

30. Once authorised, a Transaction cannot be subsequently revoked

(whether or not a voucher is signed or PIN verified) as we guarantee

payment. Where you have authorised a Merchant to set up a

continuous payment instruction for a recurring Transaction (for example

a magazine or TV service subscription) on your Account and you wish

to cancel it, you can do so by contacting us up to the last Business

Day before the payment is due to leave your Account. You should also

give written cancellation notice to the Merchant and keep a copy of

the letter. Your Card is automatically enrolled in a card updater service

with the relevant Card Scheme (for example, Visa). This service allows a

participating Merchant to access Card details through the Card Scheme

so they can continue to process a Transaction, recurring or otherwise.

As not all Merchants participate in this service, you should still notify

each Merchant when your Card details or the status of your Account

changes. If you don’t, your Account may or may not still be charged. You

are responsible for making sure the Merchant has your new Card details

to process a Transaction. If you would like to opt out of the card updater

service, please contact us using the details set out in the `Contacting us’

section of these Conditions.

31. You can use a Card and/or a Device to make a Contactless Transaction

without using the Chip and PIN and/or Security Details. Information

about Contactless Transactions (for example monetary limits) are

available on our website at www.aib.ie or by contacting us as set out in

the `Contacting us’ section of these Conditions. When you use your Card

and/or a Device for a Contactless Transaction, where possible, we will

take it that the Transaction was authorised by you.

32.

When you want to make a Transaction online, we may need to confirm

it’s you before the Transaction can be authorised. We’ll do this by using

a Safeguard System and may also use an authentication service. Your

Card is automatically enrolled for a Safeguard System, however the

Cardholder or Authorised User may need to register for an authentication

service. This authentication service will require you to enter your Security

Details to identify you, for example, using an AIB Banking App, or any

other way made available by us. If we ask you to identify yourself and

you can’t or you don’t follow the instructions for the Safeguard System

or the authentication service, we will take it that your Transaction is not

authorised and it will not go ahead.

For this reason, it is important to ensure that the personal information we

hold about the Cardholder and the Authorised User is up-to-date (for

example your mobile phone number and email address).

To find out more about this please go to www.aib.ie/webshopping.

33. When a Funds Transfer is authorised by use of a passcode or any other

authorisation procedure required as part of that service, the successful

use of the passcode or procedure will be taken that the Transaction was

authorised by you.

34. Non-euro Transactions will be converted to euro using the Card Scheme

exchange rate. We have no control over when the Transaction is

processed by the Card Scheme and when the exchange rate is applied.

For most non-euro Transactions, the Card Scheme generally applies

their exchange rate within a few days.

More information on how and when these exchange rates apply is

available on our website www.aib.ie.

For Transactions within the EEA, we provide a comparison by way of

percentage mark-up between (i) our rate which is made up of the

Card Scheme exchange rate for that day in addition to our currency

conversion fee, and (ii) the European Central Bank foreign exchange

rate. This is available on our website www.aib.ie

We may also be required by law to send you information electronically

once you have completed a non-euro Transaction in the EEA in

accordance with the “Contacting you” section.

In addition to the fees, charges (and interest, if applicable) referred to

in Condition 53 you may also be charged a transaction fee by the local

bank which processes the Transaction. For further information you can

Conditions or visit our website www.aib.ie.

Monthly Statements and Payment Arrangements

35. 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 date of the Statement, and (c) the

date the minimum payment is due.

36. If a Statement is not received for any month (for example, you move

house and don’t notify us of your new address), or if it cannot be

produced or issued for any reason your responsibilities under this

Agreement still continue. You will be required to make the appropriate

minimum payment by using our online or telephone banking facilities

or by contacting us as set out in the `Contacting us’ section of these

Conditions.

37. The initial monthly payment will fall due within the period chosen on the

Card application form following the first use of the Card. Each month

the Cardholder must make the minimum payment to the Account as

calculated from the Outstanding Balance on the Statement date and

stipulated in the Statement for that month. When setting up a direct

debit the Cardholder may select the minimum payment as any of the

following percentages of the Outstanding Balance: 3%, 5%, 10%, 20%,

25%, 50% (subject to a minimum payment of EUR6.35 if greater) or

100%. The minimum payment for Cardholders who do not pay by direct

debit or have not selected a minimum payment percentage will be

calculated at 3% of the Outstanding Balance shown on your Statement

or EUR6.35, whichever 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. Personal Premier Visa Card holders

must pay the Outstanding Balance shown on your Statement, in full

and on the indicated payment due date. This payment will be effected

by us initiating a direct debit to the Cardholder’s bank account on or

immediately after the payment due date on the Statement.

38. The method of 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 Business Day

Cut-off Times

Cash payment, AIB account

transfer, AIB Debit Card

payment in AIB Branch

Same

Business Day

Branch closing

time

Payments made via AIB

Phone and Internet Banking

or AIB in-branch Kiosk

Same

Business Day

6pm

Payments made in non-AIB

institutions

Same Business

Day when

received by us

Defined by each

institution

39. If the minimum payment is not paid by the payment due date, we may

decline to authorise Transactions.

40. 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 56 to 59 and the period referred to in

Condition 56 will not be extended.

41. 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.

42. (a) Should a payment be received by us from you 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 and

those payments are received within 7 Business Days of the payment

due date, will not reduce the amount collected by direct debit.

payments due on the Account.

43. Funds Transfers are generally treated as payments made to the Account

and therefore, will be reflected in the current amount due for settlement

as required under Condition 37, unless the Merchant has initiated this as

a refund.

44. 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.

Where an incorrect amount is paid to or from your Card, we may make

any adjustment necessary on your Account. We do not have to contact

you to tell you beforehand. If there are insufficient funds in your Account,

then you will still be responsible for the payment of this amount, to

include any costs or expenses we incur.

Where a payment to your Account is recalled by the paying financial

services provider or is returned by us (for example, due to mistake, fraud

or the operation of any clearing rules), we may reverse that payment

without having to contact you about it.

Where any adjustment has been made to your Account through no fault

of ours, you may have to pay us any fees, charges or interest associated

with doing this and we may take any amount you owe us from your

Account.

45. 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.

46. The principal purpose of the Account is to provide you with access

to credit. Although it is possible to operate the Account with a credit

balance, at all times, we reserve the right to reject or return any

Transactions which create or increase credit balances. For as long as

there is a credit balance on your Account, this balance is repayable to

you at your request to the extent permissible by law.

Electronic Statements (eStatements)

47. This section only applies to those customers who receive eStatements.

You can find more information about your eStatements in the terms and

conditions for AIB Phone and Internet Banking available on our website

www.aib.ie.

48. The format of an eStatement varies from a paper based Statement and,

in particular, you will not receive a ‘bank giro’ form.

49. We may at our discretion, at any time and for any reason (including

arrears on the Account), suspend your access to eStatements during

which time you will receive paper Statements via post. Such suspension

may be caused by circumstances beyond our control.

Queries and Disputes

50. You should carefully examine all Statements and any other Account

information received or accessed by you 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

us’ section of these Conditions.

51. (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 24 and you notify us without undue delay we will

refund you the amount of any payment debited to your Account

which was not authorised by you and 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 unauthorised

Transaction being debited to your Account. If you do not notify us

within 13 months of the date of the unauthorised Transaction being

debited to your Account this will always be undue delay.

(b) Where the Payer’s bank and the Payee’s bank are both located in

the EEA and you contact us within 8 weeks from when the funds are

debited, 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

Transaction when the authorisation was made; and

(ii) the amount of the Transaction 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. 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. For the avoidance of doubt, you have no

right of refund under this Condition above where you have given us

direct permission to carry out the Transaction, and where applicable,

where the information on the future Transaction was provided or made

available to you at least 4 weeks before the Transaction.

the EEA and where a Transaction was not executed by us or was

incorrectly executed by us, or late executed by us, we will refund you

and where applicable restore your Account to the position it would

have been in had the non-executed or incorrectly executed or late

executed Transaction not taken place provided:

(i) there is no undue delay on your part in notifying us of an

incorrectly executed or non-executed or late executed

Transaction; and

(ii) none of the events detailed in Condition 90 (i) prevented us from

making the Transaction.

Regardless of the issue of liability, where you notify us of an incorrectly

executed Transaction we will make immediate efforts to trace the

defective Transaction. If as a result of our investigation we establish that

the Transaction was correctly executed, we reserve the right to charge

your Account with our relevant charges, fees and interest.

52. Where the Payee’s bank is located outside the EEA and you wish to

dispute a Transaction you must notify us immediately or at least within

60 days of the Transaction being debited to your Account.

You have no right of refund if:

(a) you have given your consent to execute the Transaction directly to

the payment service provider; and

(b) where applicable, information on the future Transaction was

provided or made available to you at least 4 weeks before the due

date by the payment service provider or by the Payee.

Fees, Charges and Interest

53. 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 our schedule of fees

and charges relevant to your Account type for the time being in force,

as detailed in the fees and charges booklets available on our website

www.aib.ie or in branches or by contacting us as set out in the

`Contacting us’ section of these Conditions; and

• all stamp duties and government levies payable in respect of the

Account are your liability and will be collected by us by debit of

the Account. Should you close your Account before the date of

collection all these amounts owing by you will be debited at closure

and be payable by you. In addition, you may also be subject to fees

and charges related to the use of a Digital Wallet or other services

connected to the use of your Card under the Third Party Agreements.

You are solely responsible for the payment of these fees and charges.

54. 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 your next Statement.

55. 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, 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

our 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.

We may, from time to time, make changes to and/or introduce new

fees, charges and interest rates. How and when we will make any such

changes is set out in the `Variation of the Agreement’ section.

Interest

56. Interest will not be charged if you pay the full Outstanding Balance

shown on your current Statement by the payment due date shown

on the Statement and additionally you have paid the full Outstanding

Balance shown on your previous Statement by the payment due date

shown on that Statement. 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.

57. If the full Outstanding Balance shown on your Statement 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.

58. Subject to Condition 56 above, interest will be payable on all amounts

owing to us on the Account. Interest will accrue on a daily basis at the

current rate advised to you (which is a variable rate). Where a demand

has been made or judgment sought for amounts you owe to us, interest

will continue to accrue. 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.

59. 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 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.

Annual Percentage Rate of Charge

60. The annual percentage rate of charge (APR) applied to the Account

is designed to measure the total cost of credit to the Cardholder 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

other requirements affecting us, promotional reasons or any other good

reason.

Any variation in the purchase interest rate will result in a change in

the APR. If we vary the purchase interest rate (and consequently the

APR) we will notify the Cardholder of the variation and also of the

corresponding change in the purchase interest rate in accordance

with the `Variation of the Agreement’ section of these Conditions. On

receiving such notification, the Cardholder may end the Agreement and

cancel the Card(s) in accordance with Condition 64.

This Condition is applicable to the AIB ‘be’ credit card only.

61.

Account Clock means the record of the number of months an Account

has performed in an Assessment Period without reverting to zero.

Assessment Period means a period of up to twelve consecutive months

during which the performance of the Account is reviewed in accordance

with Condition 60.

We offer regular users who meet certain conditions an incentive

purchase interest rate. Cardolders whose spending volumes are

sufficiently high and who do not incur two or more penalty fees (in

accordance with Condition 62) will be charged the lower purchase

interest rate. Other Cardholders will be charged the higher purchase

interest rate.

The purchase interest rate applying to purchases on an Account will be

determined in accordance with the following rules:

Rule 1: The introductory purchase interest rate will apply for the first 12

months to the Accounts of new AIB credit Cardholders only. At the end

of that 12 months either Rule 4 or Rule 5, and Rule 6 will apply.

Rule 2: For the Accounts of existing AIB credit Cardholders the higher

purchase interest rate will apply from the opening of the Account and

the Account will be assessed on a monthly basis in accordance with

Rules 7 to 9.

Rule 3: Balance Transfers will be subject to interest charges in the same

way as other outstanding balances. The total sum of Balance Transfers

must not exceed EUR5,000.

Rule 4: If after the first 12 months

• the total amount of purchases made equals or exceeds EUR5,000 (or

such other amount as we may notify Cardholders from time to time),

and

• less than two penalty fees have been incurred, the purchase interest

rate will change to the lower purchase interest rate.

Rule 5: If after the first 12 months

• the total amount of purchases made is less than EUR5,000 (or such

other amount as we may notify Cardholders from time to time), or

• two or more penalty fees have been incurred, the purchase interest

rate will change to the higher purchase interest rate (for new

Cardholders) and remain at the higher purchase interest rate (for

existing Cardholders).

Rule 6: After the operation of Rule 4 or Rule 5, a new Assessment Period

will commence and the penalty fee counter will revert to zero. The

Account Clock will then be reviewed on a monthly basis and Rules 7 to 9

will apply.

Rule 7: If during an Assessment Period a customer incurs two penalty

fees before the Account Clock reaches twelve months, the Account Clock

and the penalty fee counter revert to zero and a new Assessment Period

will commence. The higher purchase interest rate will then apply to the

Account until the Account qualifies for the lower purchase interest rate in

accordance with Rule 8.

Rule 8: If the Account Clock reaches 12 months and the total amount of

purchases made in that Assessment Period equals or exceeds EUR5,000

(or such other amount as we may notify Cardholders from time to time)

the Account Clock and the penalty fee counter revert to zero, and a new

Assessment Period will commence. The Account will then qualify for the

lower purchase interest rate until the end of the next Assessment Period

(when Rule 8 or Rule 9 will apply) or until two penalty fees are incurred

(Rule 7), whichever is sooner.

Rule 9: If the Account Clock reaches 12 months and the total amount of

purchases made in that Assessment Period is less than EUR5,000 (or

such other amount as we may notify Cardholders from time to time), the

Account Clock and the penalty fee counter revert to zero and the higher

purchase interest rate applies until the end of the next Assessment

Period (when Rule 8 or Rule 9 will apply) or until two penalty fees are

incurred (Rule 7), whichever is sooner.

Rule 10: All Balance Transfers, up to a maximum of EUR5,000, will be

included in the total amount of purchases during the Assessment Period

of the Balance Transfer.

Rule 11: The interest rate for cash advances will be different and will be

notified on the Statement.

Amendments made, as a result of the application of the above Rules, to

the interest rate for purchases will be notified to the Cardholder on the

monthly Statement issued immediately following the effective date of

the change.

This Condition is applicable to the AIB ‘be’ credit card only.

62. Penalty fees are incurred in the event of:

• a late payment;

• a returned payment; or

• the first time your Outstanding Balance exceeds your Credit Limit in

each statement period.

Issuing Cards (new and replacement)

63. New Cards may be issued by us to you from time to time without the

need for further application. Before you use your new Card, we may

require you to activate it. If required, we will send you details on how to

do this with the Card.

If a Card is reported lost, stolen, misused, or its safety has or may have

been compromised 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 66) not to issue a

renewal or replacement Card.

Ending the Agreement

64. The Agreement shall continue until ended by either the Cardholder

or us. The Cardholder may at any time end the Agreement by giving

notice by contacting us, as set out in the `Contacting us’ section’ of

these Conditions, and, paying any Outstanding Balance as well as

all outstanding Transactions, fees, charges, all stamp duties and

government levies and any accrued but unpaid interest, if not included

in the Outstanding Balance at the time the Agreement is ended.

65. We can cancel any Card or end this Agreement on providing you with

two months’ notice (or shorter notice period if permitted by law).

66. Without any liability to you, we are also entitled to immediately

temporarily or permanently block, suspend and/or cancel any Card

and/or refuse to issue, renew or replace any Card and/or end this

Agreement, if:

(a) you are in breach of this Agreement or any other agreement with us;

(b) 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 or you are subject to a debt

resolution mechanism (or similar) under the Personal Insolvency Act

2012 (as amended, repealed or supplemented from time to time)

or similar legislation or you are the subject of any other insolvency

event/arrangement;

(d) judgment is obtained against you and remains unpaid for a period of

fourteen days from the date of such judgment;

(e) you are no longer, in our opinion, able to manage your financial

affairs or are unlikely to be able to pay your debts as they fall due;

(f) you die;

(g) it becomes unlawful for you to continue to have a Card;

(h) we must do so in order to comply with any law, regulation or

direction from a relevant authority or court;

(i) you use (or allow someone else to use) your Card and/or Account for

any unlawful or other inappropriate purpose or if we suspect this to

be the case;

(j) you commit or attempt to commit fraud against us or some other

person or entity or there is a reasonable suspicion of unauthorised or

fraudulent activity on a Card or the Account;

(k) you have failed security checks in a manner that we deem

unacceptable;

(l) a Card has become inactive noting we would normally consider a

Card inactive if it has not been used for 12 months;

(m) if you fail to make any payment when it falls due;

(n) for any reason this Agreement becomes unenforceable or void;

(o) on a material change relevant to you occurring which is in the

opinion of the Bank prejudicial to the Bank’s interest; or

(p) 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 provide us with false

or misleading information at any time.

Where your Agreement is ended or a Card is cancelled, blocked or

suspended in any of the above circumstances, we will endeavour to give

you advance notice of such action unless we are prevented from doing

so by law or it would not be practicable to do so. If such is the case, we

will inform you as soon as possible after.

67. Once the Agreement is ended or a Card is cancelled:

(a) you must cut all physical Cards in two (through the signature box,

magnetic strip and chip) delete or deregister all related Digital Cards;

and

(b) you should cancel any Transaction (whether or not it is a recurring

Transaction) due to be made to or from the Account (for example,

to utility or insurance companies). If you do not do so you will still

remain liable for any amount owing.

68. If this Agreement is ended you 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.

69. The terms of this Agreement will continue to remain in full force until all

money owed to us is paid.

70. We may be required to publish the suspension or cancellation of any

Card.

71. If you make, or a notification is made under Condition 20 or 21 or if

the Agreement is ended we may request a Merchant 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 returning it to us. You must

still delete or deregister all related Digital Cards.

72. 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 physical Cards must be cut in two (through the

signature box, magnetic strip and Chip). Any related Digital Cards must

be deleted or deregistered.

73. We reserve the right for any reason (on giving reasonable notice where

possible) to discontinue offering or supporting any Digital Card or to stop

offering or participating in any Digital Wallet services or facilities.

Assignment

74. We may assign, novate or otherwise transfer all or any of our rights,

benefits and/or obligations under the Agreement to any natural or

legal person at any time and without notice to you. You shall enter into

all documentation specified by us to be necessary or desirable to give

effect to such assignment, novation or transfer at our expense.

Refunds

75. 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 37. 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.

Third Party Agreements

76. Third parties providing applications or services in connection with the

use of your Card(s), Digital Cards and/or Digital Wallet (for example,

a mobile phone provider or app provider) may have their own

agreements, including in relation to fees which you are subject to in

relation to your use of your Card(s), Digital Card and/or Digital Wallet

(the “Third Party Agreements”). It is your responsibility to read and

understand such Third Party Agreements before you sign up to the

relevant application or service and you agree to comply with all such

terms and conditions. We shall have no responsibility or liability in

respect of any Third Party Agreements nor any other applications or

services which are provided by third parties in connection with the use

of your Card(s), Digital Cards and/or the Digital Wallet, including any fees

or charges which may be levied to you by third parties in connection

with your use of their applications or services.

General

77. 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.

78. We may provide you with, and we may keep a record of, documents

which form part of this Agreement in either electronic or paper form.

When you apply for your Card through our online banking services, you

agree that electronic signatures may be used by us and you to confirm

acceptance of documents which form part of this Agreement.

79. 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.

80. 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.

81. We will access, process and retain personal information about you, your

Card and any payment instruction we receive in respect of your Card, in

order to provide our services.

Variation of the Agreement

82. These Conditions shall continue to apply to your Account unless and

until altered by us in accordance with Conditions 83 to 88.

83. From time to time, we will want or need to make changes to your

Agreement with us (for example, because of changes in the banking

system, industry guidance, law or regulation or for our own internal

reasons such as improving or replacing a service or introducing new

fees or charges for our services).

84. Unless law or regulation allows us to give you shorter notice, we will

usually tell you about a change to this Agreement at least two months in

advance of the change.

85. If you don’t want to accept the change, you can cancel your Card

and end this Agreement before the change happens. You can do

this by contacting us as set out in the `Contacting us’ section’ of these

Conditions. You will not be charged any extra fees, charges or interest

for cancelling your Card. If we do not hear from you before the effective

date after we give you notice of a change to the Agreement, we will take

it to mean that you have accepted the change. Please see the ‘Ending

the Agreement’ section for more information.

86. We will let you know about any change to this Agreement by any

means available to us at the time which is required or permitted by

law or regulation, such as a notice provided to you by post, email, text

message, through our online banking services, published in a national

daily newspaper or displayed in one of our branches.

87. There are certain circumstances where we may give you shorter notice

than outlined above, will not tell you about changes, or we will tell you

about the changes after we make them, such as where:

a) the change is in your favour (for example, if we reduce fees and

charges on your Card);

b) a change is required under law or regulation by a particular date, and

there isn’t time to give you notice;

c) we introduce a new service that you can use in relation to your Card;

d) the change has no impact on the operation of your Account (for

example, we make a change to a term we use to describe something

in this Agreement); or

e) we are changing certain benefits that may apply to your Card. In

this case, these benefits will generally have their own terms and

conditions, be subject to certain eligibility criteria and may change or

be withdrawn by us at any time without notice to you.

Details of these benefits are not included in this Agreement and more

information about them is available on our website www.aib.ie.

88. On receiving such notification, the Cardholder may end the Agreement

and cancel the Card(s) in accordance with Condition 64. 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, fees, charges, all stamp duties and

government levies and any accrued but unpaid interest.

Waiver

89. 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.

Liability

90. (i) You will have no claim against us and we will have no liability to you

nor will we be in breach of this Agreement:

(a) for any increased costs or expenses, any loss of profit, business,

contracts, revenues, anticipated savings, opportunities, goodwill

or for any indirect, or consequential loss or damage;

(b) if you do not comply with this Agreement, any other agreement

with us or any Third Party Agreements;

their delivery or condition) paid for using a Card or is due to the

inability to use your Card for a Transaction or related service. We

are not responsible for the delivery or condition of any goods or

services paid for by Card or for any loss or damage in connection

with any goods or services paid for by Card;

(d) where your loss is due to any third party refusing to accept,

or delaying the acceptance of a Card, PIN or Security Details

(including any loss due to the way such refusal or delay is

communicated to you);

(e) where your loss is due to our decision not to offer, or to withdraw,

any service or feature associated with a Card or Account or where

we cancel, block or suspend your Card for any of the reasons set

out in this Agreement;

(f) where the loss is due to our failure to follow instructions from

you or a person authorised to act on your behalf, which in

our reasonable opinion, lead us to suspect any fraudulent or

improper activity on your part or on the part of any third party;

(g) where you have acted fraudulently or with gross negligence;

(h) if any of the details you gave us were wrong or insufficient; and/

(i) where your loss is due to circumstances outside our control,

which meant we couldn’t follow this Agreement despite our

best effort to do so (for example, a problem with a payment,

settlement, clearance system or Safeguard System, AIB Banking

App, labour disputes, act of God, contagious disease, fire, act of

government or state, war, civil commotion, insurrection, embargo,

inability to communicate with third parties for whatever reason,

failure/delay in message transmission via mobile phone network,

prevention or hindrance in obtaining any energy supplies or the

acts or omissions of our agents, contractors or any other third

party) or any other reason outside of our control or that of our

agents or contractors.

We will not be liable to you for any of the above losses or damages

in any circumstances even if such loss or damage was reasonably

foreseeable or relates to any action brought by a third party;

(ii) 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; and

(iii) You shall hold us harmless from any loss or damage suffered by any

person as a result of your breach of this Agreement.

CUSTOMER COPY

91. Nothing in this section will stop us being responsible for your loss, if:

(a) we act fraudulently, with gross negligence or such loss is a result of

our wilful misconduct; or

(b) law or regulation does not allow us to exclude or limit liability.

No liability for refusal or for goods or services

92. We shall not be liable for any loss you suffer due to any person, supplier,

Merchant or third party refusing to accept or honour, or delaying the

acceptance or honouring of any Card, PIN or Security Details, or any

other code allotted to you by us and/or subsequently chosen by you,

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.

93. 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

94. 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.

95. No provision in these Conditions shall affect your statutory rights under

the Consumer Credit Act, 1995 (as may be amended, repealed or

supplemented from time to time) 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

96. 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

97. 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

98. These Conditions and all information and communication with you will

be in English.

Complaints

99. If you feel we have not met your expectations in any way, please let us

know so that we can address the problem as quickly as possible.

If you wish to make a complaint, you can do so by visiting our website

or by writing to your branch and we will look into it. If you are still not

happy with the conclusion that we come to, you have the right to take

your complaint to the Financial Services and Pensions Ombudsman,

Lincoln House, Lincoln Place, Dublin 2. The Ombudsman’s office is

independent and it looks into and makes a decision on, the complaints

of personal and some small business customers.

You may be able to submit a complaint for online resolution to the

European Commission Online Dispute Resolution platform (available at

https://ec.europa.eu/consumers/odr/) if you are not happy with how we

have handled a complaint or if you prefer not to deal directly with the

Financial Services and Pensions Ombudsman.

You’ll find more about the steps we take to try to solve your complaint in

our complaints brochure, which is available in any of our branches or on

our website.

Contacting us

100. 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

Co Dublin

For lost, stolen or misused Cards telephone us, 24 hours a day, at:

1800 24 22 27 or (from outside Ireland) 353 1 2695022. If you are

abroad, you can contact Visa Global Assistance free of charge, as that

name be updated or change from time to time. Please see https://aib.ie/

contact-details for their contact details.

For all other queries telephone us at: (01)-6685500 or (from outside

Ireland) 00 353 1 6685500.

If we contact you by SMS Message in accordance with Condition 27 you

may reply to the SMS Message.

101. 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.

102. If you are posting your application to us please place it in an envelope

addressed as follows: AIB Card Issuing, FREEPOST, PO Box 708, Co.

Dublin.

Contacting you

103. Subject to applicable law we may contact you in person, by phone

(including SMS Message or push notification), by post, by hand delivery,

by fax, by email or online (for example, via any message facility available

on AIB Internet Banking or similar systems) or other electronic means.

If we believe that the security of your Account has been compromised

or fraudulent activity may be occurring on your Account we will contact

you as soon as possible by text, over the phone or in writing.

We will never ask you for your personal banking details (for example

account numbers, PIN and/or other Security Details) by letter or email. If

we contact you by phone we may need to identify you. We’ll do this by

asking for certain information known only to you, but we will never ask

you to make payments from your Account to any other account or ask

you for your PIN.

In order to ensure that we communicate with you securely it is very

important that you tell us immediately if your name, address, telephone

number or any other contact details change. You should also make sure

that arrangements for receiving mail at your address are secure.

Data protection

104. For information in relation to how we collect personal information about

you, how we use it and how you can interact with us about it, see our

data protection notice in branches and online. It may change from time

to time.

Condition 105 APPLIES ONLY IN RELATION TO THE PLATINUM

CREDIT CARD

Cashback Awards

105. An award of 0.5% of the amount of all purchase transactions will be

credited to the Account on the monthly Statement by us subject to the

following:

• Awards will be paid on total aggregate purchase spend above

EUR5,000 and up to EUR50,000 in each 12-month period.

• No award will be payable in respect of:

– Cash advances

– Balance Transfers

– Fees

– Interest

– Refunds

– Funds Transfers received

– The first EUR5,000 purchase spend in the 12-month period

– Purchase spend greater than EUR50,000 in the 12-month period

– Any spending in a month where your Account is two or more

payment cycles overdue

• If you receive a refund for a purchase after we have given you your

award payment (and we had included that purchase in calculating

the value of your award) we will take the refund into account when

calculating the value of your next award payment.

• The maximum award for each 12-month period is EUR225.

• Where a payment is made against an Account overdue for two

or more payment cycles, calculation and payment of awards will

resume after the payment has been credited to the Account.

• No award will be paid in any 1-month period in which the

Agreement is ended by either party; if, in Ireland, or any other

jurisdiction, bankruptcy proceedings have been started against you,

you enter into a voluntary arrangement with your creditors, you are

subject to a debt resolution mechanism (or similar), or if you and/or

any authorised user have committed a fraud on the Account.

• We may change the percentage of the award given and make other

changes to or withdraw the award scheme by giving you notice in

accordance with the ‘Variation of the Agreement’ section of these

Conditions.

DCU VISA CREDIT CARD APPLICATION

Please ensure that the application is completed in full. In order

to comply with legislation to combat money laundering and

terrorism financing, we are obliged to identify our customers.

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.

Please complete in BLOCK CAPITALS and tick (✔) boxes as required.

Please state your affinity with the University:

Graduate Student Staff Friend of DCU

DCU Student No. Graduation Year

If you wish to close an existing AIB Credit Card account, please fill in your

existing AIB Card no. here

You may continue to use your existing AIB Credit Card (as detailed above).

Following despatch of your new DCU Visa Credit Card, the Credit Card account

entered above will be closed and all balances transferred to your new account.

Personal Details

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 21 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

Single Married Widowed Separated/Divorced

Are you A home Living with

owner parents

Tenant

Time at current

address Years Months

If tenant or at current address for less than 3 years,

please give previous home address

Employment Details

Employee

Self-employed Retired Homemaker

Student

Unemployed Other

Occupation/Profession

Financial

Manufacturing Construction Services Distribution Other

Employer’s name and address (if self-employed, please give business name and address)

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

Banker’s name and address

Bank sorting code number Account number

Time with bank Years Months

Types of

accounts held Current

Deposit

Loan

Other

Mortgage/Rent Loans H.P. Other

Monthly

commitments

€

If house is mortgaged give: Balance

Name of lender Valuation outstanding

€

Other card held

Visa

Mastercard

Diners Club

American Express

Store Card

Mother’s maiden name

(for security purposes)

Email Address

PPSN/ TRN:

Country of TRN: (if TRN not issued in the Republic of Ireland)

Financial Details Cont.

Purpose of Account: (Please tick one)

Daily Banking

Credit/Lending Facility

Source of funding for Account: (Please tick one)

Salary/Social Welfare Pension Rental Income Savings/Investments

Estimated Annual Spend

€

Data Protection Notice Allied Irish Banks, p.l.c.

Eective 25th May 2018

We respect your trust in us to use, store and share your information. In

this notice, we explain how we collect personal information about you,

how we use it and how you can interact with us about it.

We try to keep this notice as simple as possible but if you are unfamiliar

with our terms, or want more detail on any of the information here,

please see our website’s Frequently Asked Questions at

www.aib.ie/dataprotection. You can also ask for more details at your

local branch or contact us 0818 303 032.

1. Who we are

When we talk about “AIB”, or “us” or “we” in this notice, we are talking

about Allied Irish Banks, p.l.c. and its subsidiaries, aliates and their

respective parent and subsidiary companies (including AIB, EBS and

Haven).

We share your information within AIB Group to help us provide our

services, comply with regulatory and legal requirements, and improve

our products.

2. Data Protection Ocer

Our Data Protection Ocer oversees how we collect, use, share and

protect your information to ensure your rights are fullled. You can

contact our Data Protection Ocer at [email protected] or by writing to them

at: Data Protection Ocer, 2 Burlington Road, Dublin 4, D04 WV00.

3. How we collect information about you

We collect personal information from you, for example when you open

an account; make a deposit; apply for products and services; use your

credit or debit card; complete transactions; or look for advice. We also

collect information through our website, apps, social media, discussion

forums, market research and our CCTV footage. We will sometimes

record phone conversations and we will always let you know when we

do this.

We may collect information to identify you through voice, facial or

ngerprint (biometric data) recognition technology. We always ask for

your consent to do this.

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 or

apps. They help us make the sites work better for you.

When you apply to us for products and services, and during the time

you use these, we carry out information searches and verify your

identity. We do this by sending and receiving information about you to

and from third parties including credit bodies such as the Central Credit

whether or not the product or service goes ahead.

4. How we keep your information safe

We protect your information with security measures under the laws that

apply and we meet international standards. We keep our

computers, les and buildings secure.

When you contact us to ask about your information, we may ask you to

identify yourself. This is to help protect your information.

5. How long we keep your information

To meet our legal and regulatory obligations, we hold your information

while you are a customer and for a period of time after that. We do not

hold it for longer than necessary.

6. Meeting our legal and regulatory obligations

To use your information lawfully, we rely on one or more of the

following legal bases:

• performance of a contract;

• legal obligation;

• protecting the vital interests of you or others;

• public interest;

• our legitimate interests; and

• your consent.

To meet our regulatory and legal obligations, we collect some of your

personal information, verify it, keep it up to date through regular checks,

and delete it once we no longer have to keep it. We may also gather

information about you from third parties to help us meet our obligations.

If you do not provide the information we need, or help us keep it up to

date, we may not be able to provide you with our products and services.

7. Consent

Sometimes we need your consent to use your personal information.

With direct marketing for example, we need your consent to make you

aware of products and services which may be of interest to you. We may

do this by phone, post, email, text or through other digital media.

You can decide how much direct marketing you want to accept when

you apply for new products and services.

If we ever contact you to get your feedback on ways to improve our

products and services, you have the choice to opt out.

When we use sensitive personal information about you, such as medical

or biometric data, we ask for your consent. Before you give your

consent, we tell you what information we collect and what we use it for.

You can remove your consent at any time by contacting us.

8. How we use your information

We use information about you to:

• provide relevant products and services;

• identify ways we can improve our products and services;

• maintain and monitor your products and services;

• protect both our interests;

• meet our legal and regulatory obligations; and

• decide and recommend how our products and services might be

suitable for you.

To provide our products and services under the terms and conditions

we agree between us, we need to collect and use personal information

about you. If you do not provide this personal information, we may not

be able to provide you with our products and services.

We analyse the information that we collect on you through your use of

our products and services and on our social media, apps and websites.

This helps us understand your nancial behaviour, how we interact

with you and our position in a market place. Examples of how we use

this information includes helping protect you and others from nancial

crime, oering you products and services and personalising your

experience.

We may report trends we see to third parties. These trend reports may

include information about activity on devices, for example mobile

phones, ATMs and self-service kiosks, or card spend in particular regions

or industries. When we prepare these reports, we group customers’

information and remove any names. We do not share information in

these reports that can identify you as a customer, such as your name, or

account details.

We sometimes use technology to help us make decisions automatically.

For example, when you apply for a loan online. Before we make a

decision, we automatically score the information you give us, any

information we already hold about you, and any information we may

get from other sources.

9. Your information and third parties

Sometimes we share your information with third parties.

For example to:

• provide products, services and information;

• analyse information;

• research your experiences dealing with us;

• collect debts;

• sell your debts;

• sell whole or part of our business;

• prevent nancial crime;

• help trace, investigate and recover funds on your behalf;

• trace information; and

• protect both our interests.

We expect these third parties to have the same levels of information

protection that we have.

We also have to share information with third parties to meet any

applicable law, regulation or lawful request. When we believe we have

been given false or misleading information, or we suspect criminal

activity we must record this and tell law enforcement agencies, which

may be either in or outside Ireland.

10. International transfers of data

We may transfer your personal information outside of the European

Economic Area (EEA) to help us provide your products and services. We

expect the same standard of data protection is applied outside of the EEA

to these transfers and the use of the information, to ensure your rights are

protected.

11. Your personal information rights

You will nd information about your rights, when they apply and our

responsibility to you on our website’s Frequently Asked Questions

section.

You can exercise your rights by

contacting us at 0818 303 032, using our social media channels, calling

into a branch, or by visiting our website at

www.aib.ie/dataprotection.

We can help you with:

Accessing your personal information: You can ask us for a copy of the

personal information we hold. You can ask us about how we collect,

share and use your personal information.

Updating and correcting your personal details.

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 e30 is charged annually per credit card account. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.

Rate correct at time of going to print 11/21

Removing consent: You can change your mind wherever you give

us your consent, such as for direct marketing, or using your sensitive

information, such as medical or biometric data.

Restricting and objecting: You may have the right to restrict or object to

us using your personal information or using automated decision making.

Deleting your information (your right to be forgotten). You may ask us to

delete your personal information.

Moving your information (your right to Portability). Where possible we

can share a digital copy of your information directly with you or another

organisation.

When you contact us to ask about your information, we may ask you to

identify yourself. This is to help protect your information.

We generally do not charge you when you contact us to ask about your

information.

12. Making a complaint

If you have a complaint about the use of your personal information,

please let a member of sta in your branch (or service outlet) know,

giving them the opportunity to put things right as quickly as possible.

If you wish to make a complaint you may do so in person, by telephone,

in writing and by email. Please be assured that all complaints received

will be fully investigated. You can register a complaint through our

contact centre, our branches, our Website, by phone, by email or in

person at your branch.

We ask that you supply as much information as possible to help our sta

resolve your complaint quickly

You can also contact the Data Protection Commission in Ireland at

www.dataprotection.ie.

13. Updates to this notice

We will make changes to this notice from time to time, particularly when

we change how we use your information, and change our technology

and products.

You can always nd an up-to-date version of this notice on our website

at www.aib.ie/dataprotection. You will also nd a copy on display at

your local branch or you can ask us for a copy.

This notice was updated as of 4th October 2021.

Central Credit Register

NOTICE: Under the Credit Reporting Act 2013 lenders are required to

provide personal and credit information for credit applications and

credit agreements of €500 and above to the Central Credit Register.

This information will be held on the Central Credit Register and may be

used by other lenders when making decisions on your credit applications

and credit agreements.

The Central Credit Register is maintained and operated by the Central Bank of

Ireland. For information on your rights and duties under the Credit Reporting

Act 2013 please refer to the factsheet prepared by the Central Bank of Ireland.

This factsheet is available on www.centralcreditregister.ie. Copies can also be

obtained at your local AIB branch and on www.aib.ie.

Direct Marketing

From time to time, AIB Group would like to tell you about offers, products and

services available from us and carefully selected third parties. Please tell us

below if you are happy for us to contact you, and by which methods. If you

later decide to change these preferences, you may contact us at any time.

Mail Y N Phone Y N E-mail Y N

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

AIBM/DCU 11/21

For Ofce Use only

OIN – IE52SDD300378

OIN – IE50SDD301384

UMR __________________________

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 tick (✔) the box below indicating the direct debit option you require

3% 5% 10% 20%

(min of e6.35)

25% 50% 100%

If the mandate is completed and no box is filled, the 3% option will apply.

Please complete all the fields marked *.

*Customer Name

*Customer Address

City

Post Code

Country

*Type of payment: Recurrent payment

✔

or One-off payment

*Customer account number – IBAN

Creditor’s name AIB Card Issuing

Creditor address PO Box 708

Co Dublin

*Date

of signature

D D M M Y Y

Signature(s)

*Please sign here

Please return this mandate to the Creditor

Credit Card Number

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 e number

Authorised Signature

Processing NSC

CL LC SC

LID

SID

POT DD

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 DCU Visa Credit Card 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 DCU Visa Credit Card 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 understandings set forth in the request for Card facilities below in so

far as they relate to me. I have read and understood the Data Protection Notice

provided.

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 21 letters or spaces.

D D M M Y Y

Date

of Birth

Mobile Number

Signature of Authorised User

Request for Card Facilities

Please issue a DCU Visa Credit Card 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 to enable you to make 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, the information herein supplied will be held on

and accessed through a centralised data bank. I have read and agreed to be bound by the

Conditions of Use.

If my application is accepted, I authorise you (if so requested) to issue an additional

DCU Visa Credit Card and confidential PIN to the person named above as an Authorised

User on my AIB Account. I authorise AIB to disclose my student number, graduation year,

affinity with the University, name, addresses (home and business), telephone number(s)

and date of birth to the Alumni Office in DCU. However, no other information regarding

my personal data is to be disclosed to DCU.

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 Date

Please fold out your AIB DCU Visa Credit Card 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.

PPSN/TRN/Country of TRN if not issued in the Republic of Ireland.

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, Co Dublin.

Rate correct at time of going to print 11/21

AIBM/DCU 11/21 AIB047C00006APP