Important and Regulatory Information for the AIB Graduate Account

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. Security may be required.

1) Personal Loan-

A typical EUR1,500 one-year loan to graduates will have monthly repayments of EUR130.79 Interest Rate 8.45%, APR (Annual Percentage Rate) 8.73%. If the APR does not vary during the term of the loan the total cost of credit of this loan i.e. total amount repayable less the amount of the, would be EUR69.48.

2) Overdraft -

Authorised overdrafts over EUR1,000 will attract the Bank's Standard Variable 'A' rate for Personal Overdrafts on the balance greater than EUR1,000 currently 11.85% Interest Rate, subject to variation. You can apply through your local AIB branch or through the AIB Graduate Centre.

3) Savings -

Interest is subject to D.I.R.T at the prevailing rate (for more information go to www.revenue.ie).

4) Mortgage-

WARNING

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT. THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.

Note: The above notice in respect of adjustments to repayment rates will not apply during any period when the loan is at a fixed rate.

If you or your dependants intend to use the property as a principal place of residence, you must show evidence of mortgage protection insurance, unless you are exempt under the Consumer Credit Act 1995 (you can seek this insurance through us or from other sources).

Maximum loan to value of Owner Occupier Residential Properties - 92% of purchase price or valuation whichever is lower. Lending levels are subject to monthly repayment burden, typically not exceeding c. 35% of borrowers’ disposable income and will vary according to individual circumstances. Loan requests considered on the basis of proof of income, financial status and demonstrated repayment capacity (including capacity to repay at higher interest rates). Loans not available to people under 18. Mortgage loans require to be secured by a mortgage and charge on the subject property.

A typical EUR100,000 20 year Variable interest rate mortgage for an Owner Occupier residential Property with LTV greater than 80% will have monthly repayments of EUR566.25 APR 3.29%. If the APR does not vary during the term of the mortgage, the total cost of credit i.e. total amount repayable less the amount of the mortgage, would be EUR35,900.00. The effect of a 1% increase in interest rates for such a mortgage will add EUR51.66 to monthly repayments.

Lending criteria, terms and conditions apply. Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank in relation to origination and servicing of mortgage loans and mortgages. AIB Mortgage Bank, Allied Irish Banks, p.l.c. and AIB Insurance Services Ltd. are regulated by the Central Bank of Ireland.

5) Banking Free of Maintenance and Transaction Fees does not extend to bank service charges. Full details of our fees and charges are published in "A Guide to Fees and Charges for Personal Accounts". This brochure is available from any AIB branch or on www.aib.ie.

6) Debit Cards are liable to annual Government Stamp Duty. Currently EUR2.50 per card applies where the card is used either as an ATM/In Branch transaction or Point of Sale transaction, and EUR5.00 per card applies where the card is used for both.

7) Credit Cards lending criteria and terms and conditions apply. Government Stamp Duty of EUR30.00 is charged annually per credit card account.

8) Insurance

AIB Home, Travel, Health and Car Insurance quotations are subject to acceptance, and normal underwriting criteria apply. Each product has its own specific terms and conditions which also apply. AIB Insurance Services Ltd is a tied agent AXA Insurance Ltd for Home Insurance. AIB Insurance Services Ltd is a tied agent of Aviva Insurance Europe SE for Car Insurance. AIB Insurance Services Ltd is a tied agent of Ace European Group Ltd for Travel Insurance. AIB Insurance Services Ltd is a tied agent of Aviva Health Insurance Ireland Ltd for Health Insurance. Allied Irish Banks, p.l.c. has an indirect holding of 30% in Aviva Health Insurance Ireland Ltd. Aviva Health Insurance Ireland Ltd is regulated by the Central Bank of Ireland. AIB Insurance Services Ltd. is regulated by the Central Bank of Ireland.

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