Unincorporated body and Partnership Credit Card Application Form PLEASE COMPLETE IN BLOCK CAPITALS. PLEASE USE BLACK PEN THROUGHOUT.

Transcription

1 P1 Unincorporated body and Partnership Credit Card Application Form PLEASE COPLETE IN BLOCK CAPITALS. PLEASE USE BLACK PEN THROUGHOUT. To apply for a Business Credit Card for your business please complete and return to your Business Relationship anager 1. Company details Consent to The Bank of Ireland Group Each (a) Cardholder (b) Customer who is an individual; and (c) Company Administrator named on the application form for the Card understands that - unless the bank has told them differently - the provision of their personal details by them to the Bank is a contractual requirement and/or necessary for the bank to comply with its legal obligations. By submitting this form with their details each acknowledge that they have read bank of Ireland s ata Privacy Summary provided with this Agreement. Please note that more detailed information is available in the full Bank of Ireland ata Privacy Notice which is available on request or at This notice is a guide to how the Bank of Ireland Group processes personal data. NOTICE FRO IRISH CREIT BUREAU.A.C ( ICB ) As a result of the introduction of the General ata Protection Regulation ( GPR ), from 25th ay, 2018 ICB will be using Legitimate Interests GPR Article 6 (f)) as the legal basis for processing of your personal and credit information. These Legitimate Interests are promoting greater financial stability by supporting a full and accurate assessment of loan applications, aiding in the avoidance of over-indebtedness, assisting in lowering the cost of credit, complying with and supporting compliance with legal and regulatory requirements, enabling more consistent, faster decision-making in the provision of credit and assisting in fraud prevention. Please review ICB s Fair Processing Notice which is available at Processing Notice.pdf. It documents who they are, what they do, details of their ata Protection Officer, how they get the data, why they take it, what personal data they hold, what they do with it, how long they retain it, who they share it with, what entitles them to process the data (legitimate interests), what happens if your data is inaccurate and your rights i.e. right to information, right of access, right to complain, right to object, right to restrict, right to request erasure and right to request correction of your personal information. Please note that if you are an existing Bank of Ireland Group customer we will continue to respect your marketing preferences with us. If for any reason you do not want to be contacted for marketing purposes by us please contact our ata Protection Notice Helpline on If you are not already a Bank of Ireland Group customer we will not contact you for marketing purposes unless you tell us you would like to be contacted. ou can let us know this by contacting us on our ata Protection Helpline on Business/Trading Name: Address: Registered Address (if different from the main address): Contact Number: Company status: Non registered in Ireland Business start up Company type (please tick each section as appropriate) Company details: Partnership Non incorporated Business On Line customer Limited liability partnership Other non-legal form Business name registration number: Tax reference number: Primary business activity: Service anufacturing ain business activity description*: istribution Other Company Credit Limit Requested ate entity formed*: Number of employees*: In some circumstances we may offer you a lower limit than requested, please indicate if you are happy to proceed 2. Administrator details/statement ate Preference Bank of Ireland s Business Credit Card account details company administrator Administrators others aiden Name*: r rs Other r iss s Administrator Forename: Administrators ate of birth*: Company password*: Administrator Surname: Phone number*: Note: Company Password must be eight characters and a mix of letters and numbers. Please select the preferred statement date of the month: 3 rd 10 th 15 th 22 nd 28 th Note: Automatic payment by irect ebit 7 banking days after the statement date Please complete all sections Page 1 of 12 OI Business Credit Card Paper Appl Form ARU indd 1 26/03/ :30

2 Business Credit Card Application Form PLEASE COPLETE IN BLOCK CAPITALS. PLEASE USE BLACK PEN THROUGHOUT. 3. List of authorised cardholders - all fields mandatory for each customer - Please supply individual credit limits Card Type Required: Business Credit Card Gold Business Credit Card 1 Card holder name* (please include r/rs/s/iss/r/other) ate of birth*: Credit limit*: other s maiden name*: obile number*: 2 Card holder name* (please include r/rs/s/iss/r/other) ate of birth*: Credit limit*: other s maiden name*: obile number*: 3 Card holder name* (please include r/rs/s/iss/r/other) ate of birth*: Credit limit*: other s maiden name*: obile number*: 4 Card holder name* (please include r/rs/s/iss/r/other) ate of birth*: Credit limit*: other s maiden name*: obile number*: 5 Card holder name* (please include r/rs/s/iss/r/other) ate of birth*: Credit limit*: other s maiden name*: Total credit limit required: 4. Beneficial ownership - mandatory fields In some circumstances we may offer you a lower limit than requested, please indicate if you are happy to proceed Information compulsory for application. Please complete fully. 1 Title: First name: Surname: If additional cards are required please supply details on a separate sheet. ate of birth: Principal address: Percentage shareholding* Please complete all sections Page 2 of 12 OI Business Credit Card Paper Appl Form ARU indd 2 26/03/ :30

3 Business Credit Card Application Form PLEASE COPLETE IN BLOCK CAPITALS. PLEASE USE BLACK PEN THROUGHOUT. 2 Title: First name: Surname: ate of birth: Principal address: Percentage shareholding* 3 Title: First name: Surname: ate of birth: Principal address: Percentage shareholding* 4 Title: First name: Surname: ate of birth: Principal address: Percentage shareholding* 5. Company bank details Bank branch name: Bank contact: Bank sorting code: Time with Bank: ears onths Bank account number: Existing Bank of Ireland customer: es No To: The anager: Signature 1 Sign here Bank of Ireland ( The Bank ) Branch: Signature 2 Sign here Under the terms of the andate dated which you hold, I/we/our Business ( The Customer ) requests that you arrange to have Bank of Ireland Business Credit Cards issued in the name of the individuals whose names are set out in section 3. It is understood that the Bank of Ireland Business Credit Card Agreement, a copy of which is set out overleaf, ( Agreement ) shall apply to and in respect of all such Cards. Any amendment, from time to time, will be advised to you by whatever means the Bank, in its discretion deems appropriate. I/we/our Business ( The Customer ) consent to the transfer of our information to a third party contracted on behalf of Bank of Ireland for the purpose of operating the Gold Card Business Online Transaction System. 2 0 NB irect ebit andate - andatory - ou must complete and sign this section (Please do not detach) SEPA irect ebit andate Unique andate Reference: (to be completed by the creditor) Please fill out details Creditor Identifier: IE84VBC Name of Account Holder: Address of Account Holder: Creditor Name: Creditor Address: Bank of Ireland Signature(s) Bank of Ireland, Credit Card Centre, Operations Centre, 2nd Floor, Cabinteely, ublin 18. Type of Payment: Recurring Account Number (IBAN) (Account to be debited): ate: BIC of ebtor Bank (optional): Please complete all sections By signing this mandate form, you authorise (A) BOI Credit Card Centre to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with the instruction from BOI Credit Card Centre. 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. our rights are explained in a statement that you can obtain from your bank. Bank of Ireland is regulated by the Central Bank of Ireland. Page 3 of 12 OI Business Credit Card Paper Appl Form ARU indd 3 26/03/ :30

4 For branch use only PLEASE COPLETE IN BLOCK CAPITALS. PLEASE USE BLACK PEN THROUGHOUT. Customer credit grade: App no: Corp no: 2 Bank sorting code: Bank account number: ate: 2 0 Sales Team only Area sales manager I andatory for Corporate and A-C Accounts only. Overall limit approved for connection is Primary Risk rating Business activity Standard High I confirm that all the AL ocumentation for the above customer is correct and held at the branch (reference Bank Account & NSC details listed above) and that all the details provided on this application are accurate. I recommend approval of the facility and the issue of the card(s). If this is a corporate and A-C managed account, I confirm that the Contingent Liability Account has been opened for the above and I authorise you to open the above account. Application must be signed and authorised using your 4 digit number Print name: Company ealing/associated with a high/very high risk country Confirmation of I&V for beneficial owners where the Risk Rating is High Section - Beneficial Ownership Section - Company Bank etails completed and signed Section - irect ebit andate completed and signed es es Branch check list Please check that all the following sections have been fully complete and signed where appropriate. Section - List of Authorised Cardholders Branch use section - completed and signed No No Sign here Authorised Number: address RC: Branch NSC (NB for FIR Credit) 9 0 Please hold this application in the branch and submit application for Bank of Ireland Customers via Sharepoint Process. For branch use only Page 4 of 12 OI Business Credit Card Paper Appl Form ARU indd 4 26/03/ :30

5 A guide to upcoming changes for Personal and Business customers. These changes apply to the following products and services and their terms and conditions: Personal and business current and demand deposit accounts 365 online and mobile channels Personal and business credit, debit and AT cards ore information and revised terms and conditions are available at The Key Information box on the back page summarises which documents we will update and their effective dates. If you have a query in relation to any of these changes, please phone our dedicated team on from 8am to 8pm onday to Friday and 9am to 6pm Saturday and Sunday. 1. Changes to online, tablet and mobile banking our new app and enhanced security features. We re working on developing our new app which will provide new features with enhanced security. Our terms and conditions are being updated to take account of these changes. When the app is available, it will affect all Banking 365 customers (Personal and Business) who use mobile and tablet banking. However it won t affect your online or mobile banking now and we ll be in touch again to let you know when it s time to upgrade or download your app. Information about the app is available at This will be updated as we get closer to the launch to explain how you can access the app. Our new app will be available with the same features on mobile and tablet. We will no longer refer to Bank of Ireland Tablet Banking. Bank of Ireland App will cover all devices. We re also upgrading our 365 online desktop banking services to improve how our online banking looks, feels and operates. Strong Customer Authentication and enhanced security to keep your information safer. In the future we will provide you with additional security credentials to access online and mobile banking and for certain services such as making payments or changing your address. We will also implement additional fraud prevention measures. We have updated how we define security credentials and how you can provide us with instructions, including consenting to a payment, in our terms and conditions. App users will need to make sure that notifications for the new app are enabled on each device. These are messages which let you confirm details before we process your request. When you use the new app, we may send you notifications to ask you to confirm that you have authorised payments, logged in or wish to make changes to your accounts. Customers who do not download the new app when it is available will need a BOI physical security key to continue to use our 365 online banking services. This is a small, handheld device that generates onetime passcodes to enable you to log in and authenticate payments. We will provide this to you on request. Remember, if your phone, tablet or physical security key is lost or stolen, you should call our Freephone number , open 24hrs a day. What to do now? Check that your mobile phone number is up to date by going into anage Accounts, Register/Amend y obile Phone Registered for Security Codes. This will help us give you the security credentials to complete registration of the new app. If your mobile phone number is not up to date, you will not be able to access the new banking app. 2. New regulations about how Third Party Providers access your account. New regulations have been introduced to offer you greater control over your data, giving you the option to securely share your online payment account information and make payments directly from your payment account by using Third Party Providers, known as TPPs. An online payment account is a payment account which is accessible using online and mobile banking, for example a current account. We are amending our terms and conditions to take account of these changes.these changes will not impact the way you use your account yet. We will have more information and updates on our website (www. boi.com/ps2) about these changes. If you don t want to avail of these TPP services, you don t have to. We won t share your data unless you ve given consent to a TPP. ou are always in control, so if you try it and decide it s not for you, you can stop sharing data. TPPs will only be able to access your account if they are registered with their banking regulator and have your consent, verified using your security credentials where required. If you don t want to allow anyone else access to your account, you don t have to do anything. If you hold a joint account we may act on the authority of one joint account holder to share or allow a third party access to your account information including transaction details. Unless we have agreed otherwise or have a legal obligation to get the consent of both account holders, that joint account holder is responsible for ensuring the other account holder(s) are aware and permit such access before deciding to use the services offered by TPPs. Services available through a TPP: Account Information Service Provider (AISP) Payment Initiation Service Provider (PISP) Card Based Payment Instrument Issuer (CBPII) Gathers information from one or more of your online payment accounts into one place. Allows payments to be made on your behalf directly from your online payment account. Requests information regarding the availability of funds in your online payment account. AISP Where you ask an AISP to access your account, the AISP can make access requests for up to 90 days. Once each 90 day period passes, you will be prompted to re-authorise the access of the AISP for a further 90 day period until such PISP Where you use a PISP to make a payment, we will treat this as an instruction from you. If you ask us to proceed with this type of payment, we may not be able to amend or stop the payment if we receive the instruction after the relevant cut-off time. ou must have enough money in your account (or an overdraft to cover a payment) for a PISP to make a payment from that account. CBPII When you permit a CBPII to find out if money is available in your account, you must verify this with us (by providing your security credentials) so that we can act on such a request. A CBPII can make any number of requests for that information (and we will answer them) until you cancel your permission to this CBPII. Where you allow a TPP to access your account, we are not responsible for the actions of the TPP. We may refuse to process an instruction from a TPP where we know, or suspect, that you have not authorised a TPP to give the instruction, or the instruction may be fraudulent or given by mistake. If this happens, we will contact you if we can identify the TPP (unless the law or our security measures prevent us from doing so). If there is a dispute between you and us, or, you and a TPP, you agree to accept our records as accurate (unless it is clear we made a mistake). Page 5 of 12 OI Business Credit Card Paper Appl Form ARU indd 5 26/03/ :30

6 A guide to upcoming changes for Personal and Business customers. A TPP may charge fees for their services which will be in addition to any fees or charges you owe us on your account. Once set up, you can cancel these services at any time by instructing the relevant TPP not to carry out these services on your behalf. ou agree to cooperate with us and give us information we ask for if you have a complaint about your account and we suspect that a TPP may be responsible for it, for example, because we suspect it is the TPP s fault that an instruction was not carried out or was carried out wrongly or too late. We have included a new clause in our terms and conditions to explain how you may give TPP access to your accounts with us (including joint accounts) and how we may process and share your personal information to provide payment services to you. 3. Removal of products and services from 11 ay Withdrawal of certain AT services From 11 ay 2019 you will no longer be able to use a Bank of Ireland AT to: (a) request statements (b) pay bills (c) top up your mobile ou can continue to use our 365 online and mobile banking services to view your transaction details, view and download e-statements, pay bills and top up your mobile. ou can also continue to use our 365 phone service to pay bills and request out of course statements. Alternatively, you can set up a recurring payment with your bill provider to pay regular bills. ou can continue to lodge cash or a cheque into your credit card at a lodgement AT. Our debit card & AT terms and conditions have been updated to reflect these changes. If you currently use these services and have any queries, please call AT only cards Removal of AT-only cards. We are making some important changes for customers with an AT-only card on their savings or current account. This section will only impact you if you have any AT-only card (this does not apply to Visa debit cards). If you are under 14 years old this section will not apply to you. Current account. All AT-only cards on current accounts (excluding Second Level account holders who are under 14) will be cancelled on 11 ay 2019 and their terms and conditions will end. If you have used your card to make an AT cash withdrawal in the 24 months before 11 April 2019, we will be in contact shortly about replacing your card with a new Visa ebit card. If you have not used your card in that timeframe and would like a new card on your current account, contact us and we ll order a new Visa ebit card for you. Savings account. If you have used your card to make an AT cash withdrawal in the 24 months before 11 April 2019, your card will not be impacted by this notice. If your card is lost or stolen, a replacement card can be ordered. If you do not (a) use your card or (b) order a new one before 11 April 2019, the card will be cancelled on 11 ay 2019 and your terms and conditions will be terminated. If you do not have an AT card, you will not be able to order one for your savings account from 11 ay oney anager The oney anager service on 365 online will no longer be available from 11 ay From 11 arch 2019, you can find more budgeting and money management information on 4. Changes to debit and credit cards terms and conditions We will only send you terms and conditions with the first card we issue on your account. To avoid paper waste, we may not always include them with renewal or replacement cards. Up-to-date terms and conditions are available at or on request. For some online card transactions you may need to use 3 Secure. 3 Secure is a system we use as an added layer of security for online card transactions. When you use 3 Secure you are deemed to have accepted the 3 Secure terms which can be found at www. bankofireland.com/3securetermsofuse, and we can conclude that the transaction was made by you. To enable you to use 3 Secure and receive a passcode, you should make sure that the mobile number that we hold for you is up to date. If we don t have your current mobile number to send you a passcode you may not be able to use your card for some online purchases. For more information about our 3 Secure service, please see our Frequently Asked Questions at From 11 ay 2019, information on debit and credit card contactless limits will be available on our website, and will no longer be included in the Schedule of Fees and harges for Personal Customers. Additional cardholders will need to protect their security credentials in the same way that you need to. We are combining our contact and contactless debit card terms and conditions into a single set which will apply to both card types. We have clarified in our debit card terms and conditions that if we authorise a card payment for you to any retailer, this will immediately reduce the available balance in your account (including any agreed overdraft if you have one) by the payment amount. Some retailers will apply for a pre-authorisation for a payment when you give them your card number (for example, if you hire a car or book a hotel room). The pre-authorisation amount will also reduce the available balance on your account for a period of time. 5. Other changes that you need to know about ata Privacy Notice and ata Privacy Summary We will update our ata Privacy Notice to include more information on how we process personal data when we provide you with payment services. The updates include how we deal with transfers of personal data to and from TPPs and new fraud prevention measures. We will also make some general changes to make the ata Privacy Notice clearer, including examples of how we process your personal data (including special category data to identify vulnerable customers in accordance with our obligations under the Consumer Protection Code), possible implications of Brexit on personal data transfers and updating the ways in which we can inform you of changes to the ata Privacy Notice. Complaint handling The most up to date address for sending us a written complaint can be found at: Business current account dispute resolution We have updated the business current account terms and conditions to outline how we resolve disputes between account holders. Terms and Conditions We are changing some terms and conditions to make them clearer. We have updated our terms and conditions to clarify the circumstances in which we will not be liable for losses caused where we can show that the payment has been received by the payee s bank or where we cannot make the payment for a legal or other regulatory reason. Key Information: We will update terms and conditions for 365 phone and digital banking, personal and business demand deposit and current accounts, credit, debit and AT cards to reflect these changes. The new terms and conditions are available to download on and on the product pages of our website and are effective from 11 ay For more information on our app, please see boi.com/app. Our updated ata Privacy Notice and ata Privacy Summary will be effective from ay 2019 and can be found at or you can ask for them in any branch. If you have a query in relation to any of these changes, please phone our dedicated team on from 8am to 8pm onday to Friday and 9am to 6pm Saturday and Sunday. Reminder Where we notify you of any changes to terms and conditions that you do not wish to accept, you may, subject to clearing any overdrawn balance and/or fees due, close your account or end your service without charge. If you do not notify us before 11 ay 2019 we ll take this to mean that you have accepted the changes on their effective date. Page 6 of 12 OI Business Credit Card Paper Appl Form ARU indd 6 26/03/ :30

7 Business Credit Card Terms & Conditions Business Credit Card - Agreement The use of your Card is governed by these Terms and Conditions. When you use your Business Credit Card Account you are deemed to have accepted these Terms and Conditions. 1.0 EFINITIONS USE IN THIS OCUENT Administrator means person nominated by you as the authorised contact for the business credit card account; Account means the Business Credit Card or Gold Business Credit Card Account(s) we open for you; Agreement means this document including the terms and conditions and any referred to in clause 2.2 Annual Fee means the fee we charge annually for each Card issued on the Account; AT means an automated teller machine; Bank, us, we and our means The Governor and Company of the Bank of Ireland having its Head Office at 40 espil Road, ublin 4 and its successors, assigns and transferees; Bank of Ireland 365 means our 365 Online and 365 Phone banking; Banking ay means any day on which we are open for business in Ireland, other than Saturday, Sunday and bank holidays and non-banking ay means any other day; BIC means Bank Identifier Code; Card means any one or more Business Credit Cards or Gold Business Credit Cards issued by us on the Account and in this document is referred to as Card or Credit Card ; Card Carrier means the letter from us to a Cardholder with which we enclose the Card; Cardholder means the person in whose name a Card has been issued by us which can also include the Customer; CardController means the Bank of Ireland CardController Service which we may make available from time to time. This service will allow you to register Cards issued on your Account and select controls and settings to monitor Cardholder spending; Cash Advance means when a Cardholder uses a Card to receive cash; Chip means an integrated circuit embedded in a Card; Contactless means a payment method which may be offered by a Retailer for completing transactions. This payment method uses Near-Field Communications (NFC) meaning the Card is held close to the card reader rather than inserted into a POS terminal; Customer means the company, partnership, trust, society, club or sole proprietor of a business in whose name the Account(s) are held. Where the Customer consists of more than one person, the expression Customer refers to one, or more or all of them as the context admits or requires; Cut-Off Times means the relevant time during any Banking ay after which any payment, or payment order, received will be deemed to have been received on the next Banking ay; irect ebit means an instruction from a customer authorising a third party (known as an originator) to collect variable amounts from their account on a notified date ( the irect ebit Collection ate ); estatement means any document or statement provided or made available in electronic form; IBAN means International Bank Account Number; Individual Credit Card Limit means the maximum amount we agree with you that is allowed to be outstanding on any Card, this may be less than the Overall Credit Limit; icroenterprise means an enterprise which employs fewer than 10 persons and whose annual turnover and/or annual balance sheet total does not exceed EUR 2 million as defined in Article 1 and Article 2 (1) and (3) of the Annex to Recommendation 2003/361/EC as may be amended from time to time. Overall Credit Limit means the maximum amount that you are allowed to have outstanding on your Account at any time as detailed on your monthly statement or estatement; Payee means a person who receives a payment; Payer means a person who makes a payment; Payment ate means the date each month, that the customer has chosen to pay the amounts owing to us on each Card; Payment achine means a machine capable of accepting a Card as payment for a transaction; PIN means the personal identification number issued to the Cardholder which is required at an Automated Teller achine ( AT ) and generally required at the point of sale to authorise a transaction; Interest Rates, Fees and Charges Table means the table of Interest Rates, Fees and Charges which are included in this document or which we make available to you separately; Retailer means a supplier of goods or services or cash advances other than us; Schemes refers to astercard and Visa schemes; Terms and Conditions means these terms and conditions as amended from time to time; you and yours means the Customer in whose name(s) the Account is opened; 3 Secure means a protocol used as an added layer of security for online credit card transactions; 3 Secure Password means your personal password for you to use 3 Secure; 365 Online means our internet banking service accessed via a web browser; 365 Phone means our telephone banking service. 2.0 THE CREIT CAR 2.1 This document is important and you (or the person responsible for financial management in the Company) should read it carefully. It governs the use of the Card by you and the Cardholder. ou must comply with these Terms and Conditions and must ensure that each Cardholder also complies with them. 2.2 The following also apply to the use of the Card: Banking law and practice; The Rates, Fees and Charges Table and the Card Carrier; The agreements and forms we require the Cardholder to sign. 2.3 We agree to provide the Card for your business purposes. We allow each Cardholder use the Card on your behalf and for your business purposes. We do not, by these Terms and Conditions, agree to provide any credit to a Cardholder. This Clause 2.3 is subject to the following Clause If a Cardholder is also the Customer or one of the Customers, we do not agree, by these Terms and Conditions, to provide any credit to the Cardholder other than in his or her capacity as a Customer and for the business purposes of the Customer. In particular, we do not, by these Terms and Conditions, agree to provide a Cardholder with any credit for a purpose outside of his or her trade, business or profession. Use of the Card for personal consumer purposes is a breach of these Terms and Conditions. 2.5 The Credit Card and its PIN are only to be used by the Cardholder. We see use of the PIN with the Credit Card as proof that the Cardholder carried out the transaction(s) or were in breach of Clause 2.7(ii). 2.6 The Bank may at any time cancel or refuse to renew the Credit Card(s). 2.7 Cardholders must: (i) sign the Credit Card as soon as it is received from us (ii) keep their PIN and 3 Secure Password a secret, memorise it, and take all reasonable precautions to prevent anyone else knowing it or using it. A Cardholder should never write down the PIN or the 3 Secure Password (iii) always protect the Credit Card. Take all reasonable precaution to ensure the Credit Card is not lost, mislaid or stolen (iv) not go over the Individual Credit Card Limit (v) not assume that they can continue to use the Credit Card if they have broken any of the terms and conditions of this Agreement (they should return the Credit Card to us if they have) (vi) not use the Credit Card before the valid from date or after the until end date shown on it (vii) not use the Credit Card if we cancel or withdraw it (viii) never use your Credit Card as payment for anything illegal. 2.8 To keep a card secure we may block it if we write to the Cardholder but our correspondence is returned. (We may contact you to check the address but we are not obliged to). 2.9 A Card cannot be used: Before the date the Card says it is valid from; After the date the Card says it is valid to (for example, through the use of the words until end or any words having a similar meaning); After we send you or a Cardholder a notice cancelling the Card. Page 7 of 12 OI Business Credit Card Paper Appl Form ARU indd 7 26/03/ :30

8 Business Credit Card - Agreement 2.10 We will send each Cardholder a new Card before the last date of validity of the Cardholder s Card. This Clause will not apply where we or you have terminated these Terms and Conditions under Clause 12 or where we have demanded a return of the Card or blocked its use We regard the following as conclusive evidence that the Cardholder carried out a transaction using a Card: Use of the PIN with the Card; or Use of the 3 Secure Password with the Card in an online transaction ou are liable for every use by a Cardholder of a Card even where the Cardholder uses the Card: Without your authority; or In breach of these Terms and Conditions Outside the controls and settings you have selected if the Card is registered by you or on your behalf with CardController. For the avoidance of any doubt, we will have no liability to you for any Card transactions on the Account which contravene CardController settings you or anyone on your behalf have made or selected for any Cards registered for CardController. 3.0 CREIT LIITS 3.1 The amount of credit available through the use of a Card is subject to two limits, the Individual Card Limit and the Overall Credit Limit. 3.2 A Card cannot be used to cause the Overall Credit Limit to be exceeded. 3.3 Sometimes we may use our discretion to allow a Card go over its Individual Credit Card Limit (but we are never obliged to allow this). If we allow this, you must agree with us to reduce the Individual Credit Card Limit for other Cards to ensure the Account does not go over the Overall Credit Limit. 3.4 We will not increase the Overall Credit Limit or the Individual Credit Card Limit unless you, the Administrator or anyone acting on your behalf request an increase, but reserve the right to decline such request. We may at any time reduce or cancel the Overall Credit Limit, the Individual Credit Card Limit or any undrawn part of either or both limits without cancelling the Agreement or card or if (a) you or the Cardholder breach any of these terms and conditions (b) we give you two months in writing. If we so reduce or cancel a credit limit, you must ensure the Account concerning the Card is funded (where necessary) to meet any future payment transaction carried out using a Card. We will usually notify you in advance before we reduce or cancel a credit limit (but we reserve the right to do so without prior notice and to notify you promptly after we reduce or cancel a limit where we consider the circumstances make it reasonable to do so). If the Card is used for a transaction which would bring the outstanding debit balance in excess of the Overall Credit Limit or the Individual Credit Card Limit, we reserve the right to authorise or decline such transactions. 4.0 HOW OUR ACCOUNT WORKS 4.1 We will open and maintain credit card account(s) for you (the Account ). Where there is more than one Account, the expression Account refers to one or more or all of them as the context admits or requires. 4.2 We will deduct from the Account interest, fees, charges, Stamp uty and the amounts of all goods and services and cash advances obtained by the Cardholder by use of the Card. 4.3 If you or a Cardholder breaches any of these Terms and Conditions, we may refuse to provide credit through use of a Card. Neither you nor a Cardholder should assume credit will be available after such a breach. 4.4 If the Card has an AT/cash advance facility, the Card may be used in conjunction with the PIN at an AT displaying the appropriate Card symbol. If the Card is used to withdraw cash from an AT, daily limits will apply. The daily limit is determined by us and may be lower than the Individual Credit Card Limit and may be varied at any time. We will tell you the amount of the daily cash limit on request. The amount of cash available from an AT can also depend on which financial institution owns the AT and on when the AT is used. 4.5 We are not obliged to provide AT facilities and do not have to notify you if we withdraw any AT or limit its hours of use. We shall not be liable for any loss or damage resulting from failure or malfunction of an AT or a Card. 4.6 ou agree to indemnify us for all losses, costs, damages, expenses, or claims which we suffer or incur on our demand where we certify that the amount demanded arises from (a) the use of a Card by a Cardholder; or (b) your failure to reimburse a Cardholder in accordance with Clause 7 below; or (c) a breach by a Cardholder of these Terms and Conditions. 4.7 ou are not permitted to have a credit balance in excess of 20,000 on the Account and no payments should be made that would place the Account in credit above 20,000 without prior agreement with us. At our complete discretion we may process such payments but, if requested to do so by us, you hereby agree to reduce any such credit balance in accordance with our request. Where you are unable to reduce such credit balances within 10 calendar days of our request to do so we may, at our absolute discretion, refund any credit balance in excess 20,000 on the Account. 5.0 STATEENTS AN INIU PAENTS 5.1 We will provide or make available to the Cardholder a statement or estatement monthly. We will also provide you with a summary statement. We may choose not to issue a summary statement if there is only one card on the Account. We may choose not to issue statements or estatements where the Account has no debit balance and/or a credit balance of 5 or less. 5.2 Unless we have agreed otherwise, you (or the Cardholder on your behalf) must pay the full amount shown on the statement or estatement as owing by you by the payment due date agreed with you or within 7 Banking ays from the date of the statement or estatement. Payment of less than the full amount owing by the due date as shown in a statement or estatement is a breach of these Terms and Conditions. 5.3 ou must establish a irect ebit payable from a current account for the payment of amounts which you are due to pay us under these Terms and Conditions. Where you have a irect ebit set up to make payments to your Account, and you make other payments to your Account more than 7 Banking ays before the irect ebit Collection ate, the amount to be collected by irect ebit will be reduced by the amount of any such additional payments made. Any additional payments made after the deadline set out above will not reduce the amount to be collected by irect ebit. 5.4 Once the Account is registered for 365 Online ou will be provided with estatements for your Account and you will not receive paper copies of documents or statements for your Account. If you request a paper copy of an estatement a Copy Statement fee may be applied in accordance with clause 6.3 of these Terms and Conditions ou agree that any obligation to provide you with documents or statements in these terms and conditions or any other terms and conditions agreed between us, shall be satisfied when we provide you with the relevant estatement or make it available to you. Any reference to documents or statements in these terms and conditions or any other terms and conditions agreed between us, shall include a reference to estatements as the reference so requires our estatements can be viewed by you and will be stored by us in accordance with your Banking 365 terms and conditions We will send an notification to you to the address you have provided for 365 Online when a new estatement is available. It is your responsibility to update your address if it changes. ou can do this on 365 Online ou can at any time opt to be provided with paper documents and statements by editing your preferences on 365 Online, after which documents and/or statements will issue in paper. ou will need to individually select each Account for which you want to receive documents and account statements in paper form Once an account is registered to receive documents and account statements in paper form, you will continue to receive estatements for that account. our paper documents and statements will be provided at the same frequency as the estatements. 6.0 HOW WE CHARGE OUR FEES 6.1 From the day of Account opening certain account fees will apply which are outlined in the Table of Interest Rates, Fees & Charges (Table) included in this brochure. Words and phrases used in this Clause 6 and which are used in the Table, will have the meaning given to them in the Table. ou shall pay us the fees which apply to a Business Credit Card or a Gold Business Credit Card. 6.2 ou shall pay us the Annual Fee: On each date we issue a Card to a Cardholder or such later date as we tell you when you open the Account On the anniversary of each date mentioned in Clause We debit the fee for a copy statement from the Account when we send the copy statement to you. Page 8 of 12 OI Business Credit Card Paper Appl Form ARU indd 8 26/03/ :30

9 Business Credit Card - Agreement 6.4 We charge a Cash Advance Fee on the amount of any Cash Advance obtained through the use of the Card (for example, at an AT). The Cash Advance Fee is (a) a percentage of the Cash Advance subject to a minimum fee per transaction (both as shown in the Table); and (b) is debited to the Account when the Cash Advance is debited to the Account. 6.5 Where the cash advanced is a non-euro currency, the Cash Advance Fee is applied to the equivalent of the amount in euro. The amount will be converted to euro at the exchange rate determined by us on the date the cash advance is debited to the Account. 6.6 A Cross Border Handling Fee will not apply to transactions in euro within the EU and some non- EU countries, for further information log onto www. bankofireland.com. We charge a Cross-Border Handling Fee of 2.25% of the transaction for all other transactions. 6.7 The amounts of all of the fees provided for in this Clause 6 and set out in the Table may be varied by us at our sole discretion. 6.8 We will not refund any fees or Stamp uty if a Card is cancelled. 7.0 CARHOLERS 7.1 We may issue a Card to you and to Cardholders. 7.2 Each Cardholder must sign the Card immediately on receiving it. 7.3 Each Cardholder accepts and agrees to be bound by these Terms and Conditions but only insofar as they create an obligation for the Cardholder (unless the Cardholder is a Customer in which case the Cardholder is bound by all of these terms and conditions). We deem the first use or activation of the Card to be acceptance by the Cardholder of these Terms and Conditions. 7.4 We will provide each Cardholder with a PIN and may also have the Cardholder create a 3 Secure Password. These are important security features. The Cardholder must only use the PIN and 3 Secure Password to use the Card in compliance with these Terms and Conditions. 7.5 Each Cardholder must ensure that the PIN and the 3 Secure Password are not: Revealed to anybody other than the Cardholder (for example, they should not reveal them even to you); Recorded in a form that would be intelligible or otherwise accessible to anybody else if he or she got access to that record; Recorded on any item which the Cardholder usually keeps or carries with the Card (for example, a mobile phone). 7.6 The Cardholder must always protect the Card and take the greatest possible care to ensure that it is not lost, mislaid or stolen. 7.7 The Cardholder must never use the Card: For reasons unconnected to his or her employment by you; or As payment for anything illegal. 7.8 ou must promptly reimburse each Cardholder for any expense, cost or loss arising from the use of the Card which is incurred or paid for by a Cardholder from the Cardholder s own funds or own account. Without prejudice to the generality of the foregoing, you agree to reimburse the Cardholder in respect of any interest which the Cardholder has to pay arising from your failure to reimburse the Cardholder promptly in accordance with this condition. 7.9 Where you fail to reimburse a Cardholder in accordance with condition 7.8 on our request or the request of the relevant Cardholder, you irrevocably authorises us (a) to debit the Account by the amount which we certify to be appropriate to reimburse the Cardholder; and (b) with the amount so debited, to reimburse the Cardholder using any manner of payment we see fit For the avoidance of doubt, the agreement of the Cardholder to pay amounts due under these Terms and Conditions on your behalf does not give us the right to enforce payment of any amount due from you against the Cardholder (unless the Cardholder is a Customer) We acknowledge and agree that we shall have no recourse to the Cardholder s personal assets in respect of the use of the Card in accordance with these conditions. This Condition 7.11 shall not however, be taken to limit: our or your recourse against a Cardholder in respect of the use of a Card which is improper or in breach of these conditions; or our recourse against a Cardholder where he or she is also the Customer (or one of them) Nothing in this Condition 7 shall prejudice Condition 2.12 or diminish its effect. 8.0 HOW WE CHARGE INTEREST 8.1 If everything owed to us on the Account as shown on a monthly statement or estatement is paid by the payment date shown in it, we will not charge interest on any purchases or Cash Advances shown in that monthly statement or estatement. 8.2 Except where Clause 8.1 applies, we will charge the Customer interest on each purchase, Cash Advance, unpaid Cash Advance Fee, Cross Border Handling Fee or other Fee, from the date the transaction is debited to the Account. We will charge interest on the total amount you owe us in connection with the Card including on any interest which is overdue for payment. 8.3 If you owe us interest, we will show you the interest rates and the amount you owe in the monthly statement or estatement. 8.4 We charge interest at the rate shown on the latest monthly statement or estatement. This rate may differ from the rate in force on the date of the cash advance or purchase. 8.5 We set out the rates of interest which we charge you in the Business Credit Card and Gold Business Credit Card Interest Rates, Fees & Charges Table (we update this Table from time to time). 8.6 Any interest you owe us accrues daily and we will debit accrued interest from the Account monthly. 9.0 ACCOUNT TRANSACTIONS 9.1 ou shall be responsible for ensuring that instructions from you or from a Cardholder to pay money into and out of the Account are correct and accurate. We will not check whether any of this information is correct. For example, we do not check the name of a Payee or account given to us with a payment instruction. 9.2 We may refuse to act on an instruction to pay money into or out of the Account if the instruction does not contain the correct BIC and/or IBAN, or sort code and account number, or any other necessary unique identifier of the Payee. If we refuse to process a payment from the Account for such a reason, we will tell you. We have no liability to you, any Cardholder or any other party for any loss, cost or expense which arises from our refusal to act on a payment instruction under this Clause In respect of payments instructions, the date of receipt of such payment instructions ( ) will, subject to any applicable Cut-Off Times, be that Banking ay where the payment instruction is received by the Bank. If the payment is in Euro, and the financial institution of the payee is located in the EEA, we will ensure that the financial institution of the payee will receive the payment within one banking day of (+1). If it is a crossborder payment in Sterling, or other EEA Currency (non-euro), and the financial institution of the payee is located in the EEA, we will ensure that the financial institution of the payee will receive the payment within three banking days of (+3). Where the payment instruction is submitted on paper, the processing time may be an extra banking day ((+2) and (+4)). Any other payment instructions may take longer to process. 9.4 The financial institution where the Payee s account is held controls payment into that account. We are not responsible for that. 9.5 In the event we suspect or detect any fraud or unauthorised activity on your Account, we will advise you or the relevant cardholder via phone, SS message or as appropriate. If we deem it necessary we may block your Account or any card and will advise you or the relevant cardholder of the block and how it may be removed ISPUTE OR UNAUTHORISE TRANSACTIONS WHAT OU SHOUL O 10.1 We recommend the Cardholder retain all receipts/vouchers/ counterfoils to check them against their monthly statements or estatements. ou should ensure that each Cardholder provides this information to you ou or the Cardholder must advise us without undue delay and no later than thirteen (13) months after the transaction date, of any unauthorised or incorrectly executed transactions. Unless you are a icroenterprise, it is your responsibility to demonstrate to our satisfaction that any transaction was actually unauthorised or incorrectly executed If there is a dispute between you or the Cardholder and us regarding a transaction, we may rely on our books and records as set out in Clause If you are a icroenterprise, or where you are not a icroenterprise and you demonstrate to our satisfaction that there has been an unauthorised transaction out of the Account, we will refund the amount of the unauthorised transaction and will restore the Account to the state it would have been in but for the unauthorised transaction. If it is later determined Page 9 of 12 OI Business Credit Card Paper Appl Form ARU indd 9 26/03/ :30