Bank of Ireland is regulated by the Central Bank of Ireland.

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1 Bank of Ireland is regulated by the Central Bank of Ireland. VBC RU.17(09/12)

2 Expenses made easy with Visa Business cards

3 Visa Business card and Gold Visa Business card This document is important and should be read

4 Guidance on our credit card facilities We apply lending criteria when you apply for a Visa Business or Gold Visa Business credit card and we decide to approve applications for credit cards based on these criteria. If we approve a credit card for you, terms and conditions will apply but we will make sure you have these before you commit to the facility Some important information to be aware of: SME s: This stands for Small and Medium Enterprises ATM: This means Automated Teller Machine All rates quoted for credit cards are variable Credit cards are liable to Government Stamp Duty, currently 30 per cardholder account An Annual Fee of 31 applies to Visa Business Cards and 120 to Gold Visa Business cards Annual fee waivers forming part of an introductory offer will only apply for the set period of that offer. Your Visa Business Card or Gold Visa Business Card will revert to the standard annual fee thereafter All information and rates quoted are effective from August 2011 and are subject to change The Account holder remains solely liable for all charges incurred by any cardholder of a Visa Business or Gold Visa Business credit card Terms and Conditions apply to Bank of Ireland Business On Line and the Gold Visa Business Online service Calls are recorded to monitor the on-going quality of our service and for security and verification purposes

5 Additional Services Travel Insurance is arranged by Bank of Ireland Insurance Services Limited through Bank of Ireland Card Services and underwritten by Chartis Insurance Ireland Limited. Bank of Ireland Insurance Services Limited is a member of the Bank of Ireland Group. Bank of Ireland Insurance Services Limited is regulated by the Central Bank of Ireland. Chartis Insurance is regulated by the Central Bank of Ireland. A copy of the Travel Insurance document can be downloaded from Bank of Ireland website. Terms and conditions apply. Liability Waiver Insurance is underwritten by Jardine Lloyd Thompson. Jardine Lloyd Thompson and Lloyds of London are regulated by the Financial Services Authority in the UK. A copy of the Liability Waiver Insurance document can be downloaded from the Bank of Ireland website. Terms and conditions apply. The Gold Visa Business Online service (360Control) is provided by First Data Commercial Services Limited on behalf of Bank of Ireland and a helpdesk service for Gold Visa Business Cardholders is provided by 360 Control. It is the company s responsibility to control access rights of employees to the system. From time to time the First Data (360Control) system may be unavailable due to maintenance or system failure Bank of Ireland cannot accept any responsibility for this The Aer Lingus Gold Circle Lounge facility applies to Gold Visa Business Cardholders travelling on Aer Lingus scheduled flights only. Gold Visa Business Cardholders are not members of the Aer Lingus Gold Circle Club. Aer Lingus or its staff and agents reserve the right of admission to any of its lounges or contracted lounges WhiteConcierge provides emergency medical, legal and lost and stolen support to Gold Visa Business Cardholders. Customers must register with WhiteConcierge to avail of this service. WhiteConcirege will make every effort to ensue that all information supplied is correct, however, as WhiteConcierge is reliant on information sources outside of its control it cannot be held liable to the accuracy of information provided. Calls are recorded to monitor the on-going quality of their service and for security and verification purposes Bank of Ireland does not accept any liability in respect of products or services rendered in connection with First Data Commercial Services Limited, Aer Lingus, WhiteConcierge, ITP (International Trip Partnership) Hotel Programmes. Bank of Ireland is not responsible for information on third party websites

6 Manage Your Business Expenses The Easy Way At last, a card that frees you from time-consuming paperwork and puts you in control when managing your Business spending. A Bank of Ireland Visa Business Card is a tailor made expense management solution offering control, simplicity, certainty and security (Chip and PIN and 3D Secure technology) - allowing you to concentrate on the real aspects of running your business. Using a Visa Business Card you can easily manage and monitor your employees expenses and any ad hoc purchases that need to be made e.g. stationery or small spend. You can also track and view reports on individual spending so administration time spent reviewing expenses can be dramatically reduced. On top of all of this, your Bank of Ireland Visa Business Card gives you automatic protection against any unauthorised cardholder transactions with Liability Waiver Insurance.

7 Choose the card that suits your business The Visa Business card The Visa Business card is suitable for SMEs or any business that has business related expenses. Features of the Visa Business card Comprehensive Travel Insurance The Cardholder and up to 3 colleagues are automatically covered for 90 days of any journey once you have used your Visa Business Card to pay for at least 50% of your fare. Features of your travel insurance: Feature Limits (up to) Medical Expenses Cover 6,400,000 Personal Liability 1,200,000 Personal Accident 220,000 Passport/Document Replacement 1,800 Personal Baggage & Belongings 1,500 Cancellation & Curtailment 1,200 Delayed Baggage 1,080 Travel Delay 600 See Visa Business travel insurance brochure for further details, terms and conditions.

8 Liability Waiver Insurance gives automatic protection against unauthorised cardholder transactions Individual credit limits are set according to your business requirements Selected hotel discounts of up to 40% on hotels worldwide available through ITP (International Travel Partnership) Hotel Programmes on Benefits to your Business Significant time savings every month by simplifying the expense reconciliation process Reduce Bank charges and transaction fees by using your Visa Business Card for purchases instead of writing cheques, etc. Easy way to book over the Internet, this allows you avail of some of the cheapest prices available, or order and pay for goods/services by telephone or mail order Assists in claiming back tax more efficiently as all expenses are on one statement A single payment in full each month by Direct Debit protects you from any potential interest charges and saves money due to fewer transaction charges Monthly statements can be useful for accounting and auditing purposes Up to 37 days interest free credit when you clear your account balance in full Unlimited number of cards per account

9 Benefits to Cardholders Separates business and personal expenses no need to fund business related expenses on personal credit cards or to carry large amounts of cash Cuts down on paperwork - saves time and hassle by simplifying expense claims Covers everyday expenses from petrol, to car tax, car insurance, toll charges, client entertainment and travel Itemised monthly statement of your transactions Worldwide Customer Services support when travelling (Call or from outside Ireland ) Can view your transactions and balances online if registered with Bank of Ireland Business On Line at (Please note your Business must have a Bank of Ireland current account to avail of this service) Access to cash from ATMs worldwide, 24 hours a day where you see the Visa logo (opt for this service on the application form) Cost: The annual fee for the Visa Business card is 31 per card. (All cards are subject to an annual Government Stamp Duty of 30).

10 The Gold Visa Business card The Gold Visa Business card is suitable for any business person who travels and is an ideal expense management tool for all types of businesses. Features of the Gold Visa Business card The Gold Visa Business card offers all of the features of the Visa Business card plus some additional exclusive benefits. Gold Circle Lounges & Priority Check-In: Every Gold Visa Business Cardholder and a travelling guest has free access to the Aer Lingus Gold Circle Lounges in Dublin, Cork and Shannon as well as more than forty affiliated lounges in airports world-wide. So you can relax while waiting for your flight. Just present your Gold Visa Business Card and your Aer Lingus boarding pass at the Lounge desk. Cardholders also have access to priority check-in facilities on all long haul routes, wherever these are provided by Aer Lingus. Gold Visa Business Online: Every Gold Visa Business Cardholder will have access to a web based transaction management system enabling much greater functionality. There is no additional charge for enrolling for this online service or any recurring charges. Full details of how to register will be sent with your card. Cardholders can view e-statements both current and previous transactions without having to wait for paper statements at the end of each month Businesses can view transactions on current and previous monthly statements at individual cardholder and total company level, enabling enhanced tracking and control of company expenses - useful for audit purposes Businesses can run online reports analysing spend either by retailer or by category such as airlines, car hire and accommodation The online system is secure and easy to use

11 WhiteConcierge Emergency Travel Assistance: Get emergency assistance while travelling anytime day or night. Services include: Lost or Stolen Assistance: Assistance for Lost or Stolen Card, Cash, Travellers Cheques or Passport Medical Emergency: Emergency Medical Referral Assistance Need A Lawyer Service: Emergency Legal Referral Get a Message Home Service: Emergency Interpretation Service Cost: The annual fee for the Gold Visa Business Card is 120 per card. (All cards are subject to an annual Government Stamp Duty of 30).

12 How to apply To apply for either the Bank of Ireland Visa Business Card, or the Gold Visa Business card, simply download the Visa Business Card Application Form from the Bank of Ireland website. creditcards, or call into your Bank of Ireland branch. Complete the form and return it to your Bank of Ireland Branch. If approved you will receive your new Visa Business Card and you can immediately start to manage your business expenses more effectively and efficiently. To find out more If you would like to know more about any of our Visa Business Cards, please contact our Customer Services staff on: Tel: Card Services on Fax: Card Services on Alternatively, talk to your Business Relationship Manager in your local branch.

13 Visa Business Card and Gold Visa Business Card INTEREST RATES, FEES & CHARGES Fees Visa Business Card Gold Visa Business Card Interest rate (for Purchases) Interest rate (for Cash) 17.39% (variable) 17.39% (variable) 17.39% (variable) 17.39% (variable) Annual Fee 31 per card 120 per card Cross Border Handling Fee Transactions in euro within the European Union and certain non- European Economic Areas to which the relevant European Union regulations apply - All other transactions Copy Statement on request Cash Advance Fee Returned Payment Charge Government Stamp Duty charged annually on 1st April Effective from August 2011 No charge 1.75% of value of transaction 3.80 for the first page of each individual statement, 2.50 for each subsequent statement page 1.5% of value of transaction (min 2.54) 3.17 per unpaid item No charge 1.75% of value of transaction 3.80 for the first page of each individual statement, 2.50 for each subsequent statement page 1.5% of value of transaction (min 2.54) 3.17 per unpaid item 30 per card 30 per card Interest Rates, Fees and Charges are correct at time of printing and are subject to change

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