A Guide to our Savings Accounts

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A Guide to our Savings Accounts

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1. Types of Accounts Page 4

2. Choosing an Account Page 6

3. Four Easy Steps to Opening an Account Page 7 4. Account Opening Documentation Page 8 5. Paying In and Taking Money Out Page 10 6. Helping You Manage Your Account Page 11 7. Should You Need to Talk to Us Page 11 8. Frequently Asked Questions Page 12

9. Contact Us Page 13

10. Notes Page 14

Making your money work for you

AIB Bank is one of the leading providers of savings products in Ireland and many thousands of Irish people have chosen us as the home for their savings. Our ongoing commitment to delivering highly competitive deposit rates of interest and consistently high levels of customer service has allowed us to build strong, enduring relationships with our clients.

This brochure is an introduction to our AIB Direct Deposit products which are only available through AIB Direct Deposits and cannot be operated through AIB branches or AIB Phone

& Internet Banking. Our AIB Direct Deposits team welcome your calls on Callsave 1850 44 22 22 (8am - 8pm, Monday to Friday except on bank holidays), where our helpful staff will answer your questions and provide any further information you may require.

We look forward to being of service to you.

Being with AIB Direct Deposits

The AIB Direct Deposits products were previously offered by the former Anglo Irish Bank.

Accounts opened through AIB Direct Deposits are AIB accounts since 24th February 2011.

However some of the documentation you receive may not be AIB Bank branded for an interim period until these products are fully integrated into AIB.

Please bear with us during this period. We apologise for any confusion this may cause.

See the “Important Notice” in your information pack. Please be assured that your account is being opened with AIB Bank.

Existing AIB customers may also notice some differences such as that these accounts cannot be opened or operated through AIB branches or AIB Phone & Internet Banking.

*Calls are recorded

(3)

1. Types of Accounts Page 4

2. Choosing an Account Page 6

3. Four Easy Steps to Opening an Account Page 7 4. Account Opening Documentation Page 8 5. Paying In and Taking Money Out Page 10 6. Helping You Manage Your Account Page 11 7. Should You Need to Talk to Us Page 11 8. Frequently Asked Questions Page 12

9. Contact Us Page 13

10. Notes Page 14

Making your money work for you

AIB Bank is one of the leading providers of savings products in Ireland and many thousands of Irish people have chosen us as the home for their savings. Our ongoing commitment to delivering highly competitive deposit rates of interest and consistently high levels of customer service has allowed us to build strong, enduring relationships with our clients.

This brochure is an introduction to our AIB Direct Deposit products which are only available through AIB Direct Deposits and cannot be operated through AIB branches or AIB Phone

& Internet Banking. Our AIB Direct Deposits team welcome your calls on Callsave

1850 44 22 22 (8am - 8pm, Monday to Friday except on bank holidays), where our helpful staff will answer your questions and provide any further information you may require.

We look forward to being of service to you.

Being with AIB Direct Deposits

The AIB Direct Deposits products were previously offered by the former Anglo Irish Bank.

Accounts opened through AIB Direct Deposits are AIB accounts since 24th February 2011.

However some of the documentation you receive may not be AIB Bank branded for an interim period until these products are fully integrated into AIB.

Please bear with us during this period. We apologise for any confusion this may cause.

See the “Important Notice” in your information pack. Please be assured that your account is being opened with AIB Bank.

Existing AIB customers may also notice some differences such as that these accounts cannot be opened or operated through AIB branches or AIB Phone & Internet Banking.

*Calls are recorded

(4)

Account Features

1. Types of Accounts

You can open any of our accounts by post. The types of accounts currently available, and features of these, are outlined below.

Fixed Term Reward Account

Easy Access Reward Account

• Excellent rates of interest

• The interest rate comprises of a Standard fixed rate and a Reward fixed rate, subject to no withdrawals

• The Reward rate of interest applies if no withdrawal is made during the term

• In the event of a withdrawal during the term the Standard interest rate will be applied to the entire balance of the account up to the date of the withdrawal. The account will be closed and any remaining balance transferred to an Easy Access Account at the prevailing rate at the time.

• Interest is calculated daily and paid into the Account on the anniversary of account opening or when the account is closed

• 1 year term

• Minimum deposit €1

• Maximum deposit €1,000,000

• You may lodge to the account for up to 30 days after your account is opened. However if you do not make a lodgement within those 30 days we will close the account

• Please note that the one year term commences on the date of account opening, not the date of your lodgement. This means that if you do not lodge on the day of account opening you will not earn interest on the account prior to your first lodgement, which may result in the interest applying to the account being lower than the advertised rate.

• Highly attractive rates of interest

• The interest rate comprises of a Standard variable rate and a Reward fixed rate, subject to withdrawal limits

• The Reward fixed rate of interest applies if no more than two withdrawals are made in the Reward period

• If three or more withdrawals are made from the account, the Standard variable interest rate will be applied to the entire balance from the start of the current Reward period i.e. the Standard variable rate will be applied retrospectively

• No notice is required for withdrawals

• Maximum deposit €100,000

• Limited to one account per customer (a sole account or a joint account)

• The Reward period is the initial 12 months from account opening for which the Reward rate is payable if the withdrawal limit is not exceeded

• Once the Reward period has elapsed the Standard interest rate will apply on the account.

Account Features

Please note the following:

• Terms and Conditions apply for all our accounts – see the enclosed details or visit our website www.aib.ie for more information.

• To open any of the accounts listed above, you must be a resident in the Republic of Ireland.

• Interest is paid after the deduction of Deposit Interest Retention Tax (DIRT) at the prevailing rate where applicable.

• We do not provide DIRT-exempt non-resident accounts. DIRT will be deducted from interest paid to a non-resident person notwithstanding that a declaration of non-residency may have been provided to the Bank.

• You must be over 18 years of age to open any one of these accounts.

• All accounts are available in Euro currency only.

Premium Demand Account

Easy Access Account

Fixed Term Accounts

*Calls are recorded

(5)

Account Features

1. Types of Accounts

You can open any of our accounts by post. The types of accounts currently available, and features of these, are outlined below.

• Excellent rates of interest

• The interest rate comprises of a Standard fixed rate and a Reward fixed rate, subject to no withdrawals

• The Reward rate of interest applies if no withdrawal is made during the term

• In the event of a withdrawal during the term the Standard interest rate will be applied to the entire balance of the account up to the date of the withdrawal. The account will be closed and any remaining balance transferred to an Easy Access Account at the prevailing rate at the time.

• Interest is calculated daily and paid into the Account on the anniversary of account opening or when the account is closed

• 1 year term

• You may lodge to the account for up to 30 days after your account is opened. However if you do not make a lodgement within those 30 days we will close the account

• Please note that the one year term commences on the date of account opening, not the date of your lodgement. This means that if you do not lodge on the day of account opening you will not earn interest on the account prior to your first lodgement, which may result in the interest applying to the account being lower than the advertised rate.

• Highly attractive rates of interest

• The interest rate comprises of a Standard variable rate and a Reward fixed rate, subject to withdrawal limits

• The Reward fixed rate of interest applies if no more than two withdrawals are made in the Reward period

• If three or more withdrawals are made from the account, the Standard variable interest rate will be applied to the entire balance from the start of the current Reward period i.e. the Standard variable rate will be applied retrospectively

• No notice is required for withdrawals

• Maximum deposit €100,000

• Limited to one account per customer (a sole account or a joint account)

• The Reward period is the initial 12 months from account opening for which the Reward rate is payable if the withdrawal limit is not exceeded

• Once the Reward period has elapsed the Standard interest rate will apply on the account.

Account Features

• Terms and Conditions apply for all our accounts – see the enclosed details or visit our website www.aib.ie for more information.

• To open any of the accounts listed above, you must be a resident in the Republic of Ireland.

• Interest is paid after the deduction of Deposit Interest Retention Tax (DIRT) at the prevailing rate where applicable.

• We do not provide DIRT-exempt non-resident accounts. DIRT will be deducted from interest paid to a non-resident person notwithstanding that a declaration of non-residency may have been provided to the Bank.

• You must be over 18 years of age to open any one of these accounts.

• All accounts are available in Euro currency only.

Premium Demand Account

Easy Access Account

Fixed Term Accounts

• Highly competitive variable rate of interest

• The interest rate comprises of a Higher interest rate which is available for amounts up to €100,000 or a Standard interest rate which is paid on the entire balance in the account if the balance is over €100,000

• No notice is require for withdrawals

• There is no limit on the number of withdrawals from the account

• Strong variable interest rate

• No notice required for withdrawals

• There is no limit on the number of withdrawals from the account

• Competitive rates of interest fixed for the term of the account

• Wide range of terms available (1, 3 and 6 months; 1, 2, 3, 4 and 5 years)

• Any withdrawals from a Fixed Term Account prior to the maturity date of the Term are at the Bank’s discretion and a redemption cost applies.

Details of this redemption cost are available in the account terms and conditions. For the 1 to 5 year terms you are permitted to access up to 10% of your funds per annum without incurring a redemption cost

*Calls are recorded

(6)

2. Choosing an Account

Getting the Best Value for you

It is important that you choose the right account for you.

Lump Sum Deposits

If you have a lump sum or have monies sitting in a low interest rate bearing account, then you could consider opening one of our Fixed Term Reward or Easy Access Reward Accounts.

Our Fixed Term Accounts offer competitive rates of interest and give you the peace of mind of knowing that your interest rate will be fixed for the term of the deposit. This feature is particularly attractive for customers who seek certainty on their return and who do not require access to the funds for a period of time. If having immediate access to your account is a priority for you, our Easy Access Accounts provide this flexibility. Attractive Reward rates are also available subject to withdrawal restrictions.

Regular Savings Option

If you want to make regular payments into an account that delivers competitive rates of interest, our Easy Access and Easy Access Reward Accounts will allow lodgements as often as you wish. These accounts offer competitive rates of return and represent excellent value compared to many traditional instant access accounts in the market.

“Best of Both Worlds” Option

For many customers, the ideal solution to their savings needs could be to open two or more accounts with us to provide you with a combination of immediate access and high returns.

For example, if you have a lump sum you could save the portion you are able to put away for a fixed period of time in a Fixed Term Reward Account and open one of our Easy Access Accounts giving you immediate access to some of your savings and allowing you to add to your savings on a regular basis – providing you with the best of “best of both worlds.”

To learn more about this range of our products simply contact our AIB Direct Deposits team on 1850 44 22 22* or visit www.aib.ie.

3. Four Easy Steps to Opening an Account

Opening an account with AIB Direct Deposits couldn’t be easier:

1) Fill out the application form accompanying this brochure or print off the application form from our website www.aib.ie and complete it. Existing AIB Direct Deposits customers can also call us at 1850 44 22 22 to open a new account.

2) Provide us with account opening documentation (see section 4: Account Opening Documentation).

3) On your application form, advise how you want to make your first deposit – by cheque or by transfer from another bank account. (see section 5: Paying In and Taking Money Out).

4) Return the completed application form and relevant documents proving your identity to our Freepost address, using the enclosed envelope.

After we have received your completed application and completed all the account opening formalities, we will send you correspondence confirming:

• Your new account number

• Receipt of your first deposit

• The interest rate that applies to your new account.

*Calls are recorded

(7)

2. Choosing an Account

Getting the Best Value for you

It is important that you choose the right account for you.

Lump Sum Deposits

If you have a lump sum or have monies sitting in a low interest rate bearing account, then you could consider opening one of our Fixed Term Reward or Easy Access Reward Accounts.

Our Fixed Term Accounts offer competitive rates of interest and give you the peace of mind of knowing that your interest rate will be fixed for the term of the deposit. This feature is particularly attractive for customers who seek certainty on their return and who do not require access to the funds for a period of time. If having immediate access to your account is a priority for you, our Easy Access Accounts provide this flexibility. Attractive Reward rates are also available subject to withdrawal restrictions.

Regular Savings Option

If you want to make regular payments into an account that delivers competitive rates of interest, our Easy Access and Easy Access Reward Accounts will allow lodgements as often as you wish. These accounts offer competitive rates of return and represent excellent value compared to many traditional instant access accounts in the market.

“Best of Both Worlds” Option

For many customers, the ideal solution to their savings needs could be to open two or more accounts with us to provide you with a combination of immediate access and high returns.

For example, if you have a lump sum you could save the portion you are able to put away for a fixed period of time in a Fixed Term Reward Account and open one of our Easy Access Accounts giving you immediate access to some of your savings and allowing you to add to your savings on a regular basis – providing you with the best of “best of both worlds.”

To learn more about this range of our products simply contact our AIB Direct Deposits team on 1850 44 22 22* or visit www.aib.ie.

3. Four Easy Steps to Opening an Account

Opening an account with AIB Direct Deposits couldn’t be easier:

1) Fill out the application form accompanying this brochure or print off the application form from our website www.aib.ie and complete it. Existing AIB Direct Deposits customers can also call us at 1850 44 22 22 to open a new account.

2) Provide us with account opening documentation (see section 4: Account Opening Documentation).

3) On your application form, advise how you want to make your first deposit – by cheque or by transfer from another bank account. (see section 5: Paying In and Taking Money Out).

4) Return the completed application form and relevant documents proving your identity to our Freepost address, using the enclosed envelope.

After we have received your completed application and completed all the account opening formalities, we will send you correspondence confirming:

• Your new account number

• Receipt of your first deposit

• The interest rate that applies to your new account.

*Calls are recorded

(8)

4. Account Opening Documentation - Three Requirements

1. Providing proof of identity

If you are a new customer you may use any ONE of the three options listed below to prove your identity.

(A) A copy ⁽¹⁾ of your Passport AND your Irish Driving Licence

(B) A certified copy ⁽²⁾ of either your Passport OR your Irish Driving Licence

(C) (Applicable only if you are opening your account by cheque) A copy ⁽¹⁾ of your Passport or your Irish Driving Licence AND a cheque which is drawn on an account in your own name and held with an Irish Financial Institution.

2. Confirming your address

We require two documents showing your residential ⁽³⁾ address and they must be no more than 6 months old. These can include an electricity, gas or phone bill, a bank statement or an insurance statement for your car or home.

If the application is in joint names please supply two of the documents listed above for each applicant.

(1) Your photocopy should be a clear and legible copy of your current, in-date document and your signature should match that on your application form.

(2) Your photocopy can be certified by a member of An Garda Síochána at your local Garda station, by a solicitor, an accountant or at your local bank branch.

(3) This address must match the residential address you have stated on the application form.

3. Provision of Irish Tax Reference Number

Under the Return of Payments Regulations 2008, Financial Institutions are obliged to request your Irish Tax Reference Number (unless previously provided to us under these Regulations), along with a clear and legible photocopy of any one of the following documents to verify it:

Alternatively, another printed document issued by Revenue or by the Department of Social and Family Affairs which contains your name, address and Irish Tax Reference number will also be acceptable.

If you previously held an account with AIB Direct Deposits (or the former Anglo Irish Bank), you may not need to give us new account opening documentation. However, even if you have previously provided this documentation in relation to other AIB products, you most likely will need to provide it again. Please contact our AIB Direct Deposits Team on Callsave

1850 44 22 22* to check.

If you are unable to provide any or some of the documents listed above, please contact us to see if there is an alternative solution.

P60 P45

P21 Balancing Statement European health insurance card Drug payment scheme card

Payslip (where employer is identified by name or tax number)

*Calls are recorded

(9)

4. Account Opening Documentation - Three Requirements

1. Providing proof of identity

If you are a new customer you may use any ONE of the three options listed below to prove your identity.

(A) A copy ⁽¹⁾ of your Passport AND your Irish Driving Licence

(B) A certified copy ⁽²⁾ of either your Passport OR your Irish Driving Licence

(C) (Applicable only if you are opening your account by cheque) A copy ⁽¹⁾ of your Passport or your Irish Driving Licence AND a cheque which is drawn on an account in your own name and held with an Irish Financial Institution.

2. Confirming your address

We require two documents showing your residential ⁽³⁾ address and they must be no more than 6 months old. These can include an electricity, gas or phone bill, a bank statement or an insurance statement for your car or home.

If the application is in joint names please supply two of the documents listed above for each applicant.

(1) Your photocopy should be a clear and legible copy of your current, in-date document and your signature should match that on your application form.

(2) Your photocopy can be certified by a member of An Garda Síochána at your local Garda station, by a solicitor, an accountant or at your local bank branch.

(3) This address must match the residential address you have stated on the application form.

3. Provision of Irish Tax Reference Number

Under the Return of Payments Regulations 2008, Financial Institutions are obliged to request your Irish Tax Reference Number (unless previously provided to us under these Regulations), along with a clear and legible photocopy of any one of the following documents to verify it:

Alternatively, another printed document issued by Revenue or by the Department of Social and Family Affairs which contains your name, address and Irish Tax Reference number will also be acceptable.

If you previously held an account with AIB Direct Deposits (or the former Anglo Irish Bank), you may not need to give us new account opening documentation. However, even if you have previously provided this documentation in relation to other AIB products, you most likely will need to provide it again. Please contact our AIB Direct Deposits Team on Callsave

1850 44 22 22* to check.

If you are unable to provide any or some of the documents listed above, please contact us to see if there is an alternative solution.

P60 P45

P21 Balancing Statement European health insurance card Drug payment scheme card

Payslip (where employer is identified by name or tax number)

Tax Assessment Tax Return Form

PAYE Notice of Tax Credits Social Services card Pension Book

Child Benefit Award Letter/Book

*Calls are recorded

(10)

5. Paying In and Taking Money Out

Paying Money In

There are two easy ways to lodge to your account:

Electronic Payment – to make an electronic transfer from another bank you will need to provide your bank with our National Sort Code (NSC) – 99 02 20 and your AIB Direct Deposits account name and number;

or

Cheque – post the cheque to AIB Direct Deposits, PO BOX 12090, FREEPOST F4854, Dublin 4. Cheque must be made payable to the name(s) of the account holder and marked

‘account payee only’. Do not make the cheque payable to ‘AIB Bank’.

Taking Money Out

To make a withdrawal from your account, either telephone our AIB Direct Deposits Team on 1850 44 22 22* or write to us and advise if you would like to receive a cheque or a payment by electronic transfer:

Electronic payment – if you choose this option, payment will be made to the bank account which you have provided on the back of your original Account Application Form;

or

Bank Draft – If you choose to receive payment by Bank Draft this will be made payable to the name of the account holder(s).

N.B. For security reasons, we do not post bank drafts to addresses outside of the Republic of Ireland and only electronic payments will be made.

6. Helping You Manage Your Account

We aim to make sure that you have the most up-to-date information on all your account activities and details.

We will provide you with:

• Details of any money lodged into or taken from your account

• An annual statement of your account

• A Certificate of Interest on request – contact our AIB Direct Deposits Team on Callsave 1850 44 22 22*

• Details of our current interest rates – available on our website at www.aib.ie

• Details of any changes to the interest rates of variable accounts – any such changes will be advertised in the national newspapers on or before the day of the rate change.

7. Should You Need to Talk to Us

Telephone

Simply call our AIB Direct Deposits Team on 1850 44 22 22*

When you phone us, for security and identification purposes we will ask you for characters from the password and the answer to one of your security questions. The password and the security question will be those provided by you in your original Account Application form.

If you cannot remember your password, we will ask you to answer all the security questions based on details which you previously gave us.

Please remember that we will never phone, email or text you and ask you for security details, such as your password. If you receive such a call please advise our AIB Direct Deposits Team on 1850 44 22 22*.

Post

All communications sent out from AIB Bank with regard to the operation of a client’s account will be sent by post.

*Calls are recorded

(11)

5. Paying In and Taking Money Out

Paying Money In

There are two easy ways to lodge to your account:

Electronic Payment – to make an electronic transfer from another bank you will need to provide your bank with our National Sort Code (NSC) – 99 02 20 and your AIB Direct Deposits account name and number;

or

Cheque – post the cheque to AIB Direct Deposits, PO BOX 12090, FREEPOST F4854, Dublin 4. Cheque must be made payable to the name(s) of the account holder and marked

‘account payee only’. Do not make the cheque payable to ‘AIB Bank’.

Taking Money Out

To make a withdrawal from your account, either telephone our AIB Direct Deposits Team on 1850 44 22 22* or write to us and advise if you would like to receive a cheque or a payment by electronic transfer:

Electronic payment – if you choose this option, payment will be made to the bank account which you have provided on the back of your original Account Application Form;

or

Bank Draft – If you choose to receive payment by Bank Draft this will be made payable to the name of the account holder(s).

N.B. For security reasons, we do not post bank drafts to addresses outside of the Republic of Ireland and only electronic payments will be made.

6. Helping You Manage Your Account

We aim to make sure that you have the most up-to-date information on all your account activities and details.

We will provide you with:

• Details of any money lodged into or taken from your account

• An annual statement of your account

• A Certificate of Interest on request – contact our AIB Direct Deposits Team on Callsave 1850 44 22 22*

• Details of our current interest rates – available on our website at www.aib.ie

• Details of any changes to the interest rates of variable accounts – any such changes will be advertised in the national newspapers on or before the day of the rate change.

7. Should You Need to Talk to Us

Telephone

Simply call our AIB Direct Deposits Team on 1850 44 22 22*

When you phone us, for security and identification purposes we will ask you for characters from the password and the answer to one of your security questions. The password and the security question will be those provided by you in your original Account Application form.

If you cannot remember your password, we will ask you to answer all the security questions based on details which you previously gave us.

Please remember that we will never phone, email or text you and ask you for security details, such as your password. If you receive such a call please advise our AIB Direct Deposits Team on 1850 44 22 22*.

Post

All communications sent out from AIB Bank with regard to the operation of a client’s account will be sent by post.

*Calls are recorded

(12)

8. Frequently Asked Questions

Will the interest rate change on my account?

The interest rate on a Fixed Term Account is set from the account opening date and will not change before the term ends in accordance with the account terms and conditions. The interest rate payable on a Fixed Term Reward Account is fixed for the term of the account;

however the Reward portion of the rate is only payable subject to no withdrawals.

The Standard interest rate payable on an Easy Access Reward Account is variable and may change. The Reward portion of the rate is fixed but is only payable subject to adherence with the withdrawal limit.

The interest rates on our variable interest rate accounts may change.

If a variable rate changes we will:

• Advertise any changes to these variable interest rate accounts in the national newspapers and also on our website at www.aib.ie

• Apply any interest rate changes to your account on the date displayed in the notice advertised

• Display interest rates applicable on your statement.

When will the interest be paid to my acount?

For our Easy Access Accounts, we will credit the interest on the last business day in December or on account closure.

For our Fixed Term Accounts with terms of between one and five years, our Fixed Term Reward Accounts and our Easy Access Reward Accounts, we will credit the interest on the anniversary of account opening or an account closure.

For our Fixed Term Accounts of between one and six months, we will credit the interest on the maturity date of the account or on account closure.

Can I change my details?

Yes – simply send us your updated details in writing and we will update your account. Please note that some changes may require further documentation and/or verification.

9. Contact Us

If you need to contact us or have any further questions, you can:

Speak to a member of our AIB Direct Deposits team on Callsave 1850 44 22 22*

(8am – 8pm, Monday to Friday, except on bank holidays);

Visit our website: www.aib.ie or

Write to us at: AIB Direct Deposits PO BOX 12090, FREEPOST F4854, Dublin 4.

Please note: The products outlined in this brochure are only available through AIB Direct Deposits and cannot be operated through AIB branches or AIB Phone & Internet Banking.

*Calls are recorded

(13)

8. Frequently Asked Questions

Will the interest rate change on my account?

The interest rate on a Fixed Term Account is set from the account opening date and will not change before the term ends in accordance with the account terms and conditions. The interest rate payable on a Fixed Term Reward Account is fixed for the term of the account;

however the Reward portion of the rate is only payable subject to no withdrawals.

The Standard interest rate payable on an Easy Access Reward Account is variable and may change. The Reward portion of the rate is fixed but is only payable subject to adherence with the withdrawal limit.

The interest rates on our variable interest rate accounts may change.

If a variable rate changes we will:

• Advertise any changes to these variable interest rate accounts in the national newspapers and also on our website at www.aib.ie

• Apply any interest rate changes to your account on the date displayed in the notice advertised

• Display interest rates applicable on your statement.

When will the interest be paid to my acount?

For our Easy Access Accounts, we will credit the interest on the last business day in December or on account closure.

For our Fixed Term Accounts with terms of between one and five years, our Fixed Term Reward Accounts and our Easy Access Reward Accounts, we will credit the interest on the anniversary of account opening or an account closure.

For our Fixed Term Accounts of between one and six months, we will credit the interest on the maturity date of the account or on account closure.

Can I change my details?

Yes – simply send us your updated details in writing and we will update your account. Please note that some changes may require further documentation and/or verification.

9. Contact Us

If you need to contact us or have any further questions, you can:

Speak to a member of our AIB Direct Deposits team on Callsave 1850 44 22 22*

(8am – 8pm, Monday to Friday, except on bank holidays);

Visit our website: www.aib.ie or

Write to us at: AIB Direct Deposits PO BOX 12090, FREEPOST F4854, Dublin 4.

Please note: The products outlined in this brochure are only available through AIB Direct Deposits and cannot be operated through AIB branches or AIB Phone & Internet Banking.

*Calls are recorded

(14)

Notes Notes

(15)

Notes

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AIB Direct Deposits 1850 44 22 22 www.aib.ie

Buail isteach in an Bhrainse 1890 724 724

www.aib.ie

A Guide to our Savings Accounts