Business Application Form. Limited Company or Limited Liability Partnership Bank Account Application Form Northern Ireland

Transcription

1 Business Application Form Limited Company or Limited Liability Partnership Bank Account Application Form Northern Ireland 1

2 Welcome to Bank of Ireland UK To help us to process your application as quickly as possible, it is important that this form is completed accurately. A Complete all relevant sections of this form: Section 1 Your Business Details Section 2 Tax Residency Details Section 3 Business Account Mandate Section 4 Authority and Indemnity Telephone or Facsimile Instructions Section 5 Current Account Switching Transfer Authority Section 6 Easier Banking Section 7 Our range of Products and Services Section 8 Your Statement Requirements Section 9 Cheque Book and Lodgement Book Requirements Section 10 Data Protection using your information Section 11 Declaration and Agreement B Identifying our Customers As with all other financial institutions, we are legally required to identify and, where required, verify the identity of our customers (both the business entity and the individuals behind the entity including beneficial owners above a certain threshold and related parties i.e. those individuals who own / manage / operate the bank account). In order to comply with these obligations, before your account is opened we may seek documentation or information from you or an independent source to confirm the identity of the entity and/or the individual(s) specified overleaf. Please ensure that you have the consent of all individual(s) specified overleaf that you may provide us with the information we require in order to verify their identity. Please ask your Account Manager or your branch for details of those individual(s) for whom we will require documentation to confirm their identity. Even if you are a long standing customer and wish to open additional Accounts with us, we are required to carry out identity checks where we have not already done so or where we may need to update documentation or information already held by us. Identity must be verified to the Bank s satisfaction before the account(s) can be opened. The Bank may at its discretion seek further information and or documents to ensure compliance with its legal obligations. C Examples of acceptable evidence of identity and address Identity evidence Valid passport Valid UK Photo card or Provisional Driving Licence Address evidence Valid UK Photo card Licence (if not used for identity evidence) Bank/Building Society/Credit Card statement Recent utility bill in your name (not mobile) Recent mortgage statement If you are unable to provide any of the above documentation please contact your Account Manager or branch as other forms of verification may be acceptable. D Purpose of Your Account and Expected Account Operation We are also legally required to understand the purpose and intended nature of your business account with us. We will therefore ask you for relevant information about your business / your account with us including: The purpose of your bank account The source of funds in to the account Expected annual turnover The expected types of transactions through the account (frequency / volume / size for each type) Estimated % of your income that is generated as cash Details of any countries you trade / transact with outside UK and EU / EEA E Additional Documentation Required In addition to the above requirements you may also need to provide: Original / certified copy of Certificate of Incorporation (and Certificate of Incorporation on change of name if applicable), certified by a professional adviser e.g. Accountant / Solicitor / Banker if this information is not available at Companies House / Companies Registration Office (CRO) Confirmation that all filings in Companies House are up to date, otherwise copies of the forms registering recent appointments For more complex business entity structures a certified structure chart, identifying the individuals who have ultimate control over the business, provided by a professional adviser e.g. Accountant / Solicitor / Banker Details of any Directors or Beneficial owners of the company that have been provided by a Company Formation Specialist For internal use only Have you given the customer the following?: A Guide to Banking for Business Customers Schedule of Charges for Business Customers Northern Ireland Current Account Switching Services Pack (if applicable) Privacy Notice Terms and Conditions for Foreign Currency Products (if applicable) Statement of Lender and Borrower Responsibilities for Business Customers Rates and Products Guide 2

3 Section 1: Your Business Details Business Name: Company / Limited Liability Partnership Does a Partnership Agreement exist? If yes, please provide us with a copy Company Registration Number Incorporation Date Trading Name (if different from above) Country of Incorporation Registered Office address Correspondence address (if different from above) Telephone No. address: Please tell us your main business activity No of employees Expected Annual Turnover VAT Registration No (if applicable): Countries in which you trade outside the EU: Accountants / Auditors Details Firm Contact Name Address Post Code Tel Fax By providing your accountant s details above you are authorising Bank of Ireland UK to provide information about your bank account to them if requested. Section 2: Tax Residency Details FATCA (Foreign Account Tax Compliance Act) and CRS (Common Reporting Standard) requirements. Please answer all questions unless instructed otherwise on the form. 1 Is the LLP/Company actively trading as its main business? An Actively trading company is generally a company carrying out a business activity such as a trade or profession, or a company actively buying and selling goods with a view to making a profit. Do not answer Yes if 50% or more of your gross income is passive income (i.e. dividends, interest, royalties, annuities and rent), and if 50% or more of your assets are held for the production of passive income. If Yes please proceed to Question 2. If No we will be required to contact you for further information. 2 Is the LLP/Company a Financial Institution? The term Financial Institution refers to any entity that: (a) Accepts deposits in the ordinary course of a banking or similar business; or (b) Holds, as a substantial portion of its business, financial assets for the account of others; or (c) Is an investment entity; or (d) Is an insurance company (or a holding company of an insurance company), that issues, or is obligated to make payments with respect to, a cash value insurance or annuity contract. If Yes we will be required to contact you for further information. 3a Is the LLP/Company resident for tax purposes in the U.S.? If Yes you must complete 3(b). If No, please proceed to Question 3(c) 3b Is the LLP/Company a US Person? The term US Person refers to (i) a partnership created or organised in the United States or under the law of the United States or of any state, or the District of Columbia (2) a corporation created or organised in the United States or under the law of the United States or of any state, or the District of Columbia (3) any estate or trust other than a foreign estate or foreign trust. If Yes, please provide your U.S. Tax Identification Number (TIN): 3c Is the LLP/Company tax resident in any country/territory other than the UK or the U.S.? If Yes, please list below all countries/territories in which the LLP/Company is tax resident, and provide the corresponding Tax Identification Number (TIN), or equivalent for each country/territory. Country/Territory Tax Identification Number (or Equivalent) If the LLP/Company is tax resident in more than two jurisdictions, please continue on a separate sheet. 3 3

4 Section 3: Business Account Mandate Please pass the Resolution set out below. Having done so, please provide the information requested overleaf. Before signing please ensure you have fully read and understood the authority you have given to the Bank in this Mandate. To Bank of Ireland (UK) plc ( The Bank ) Insert Company Name Limited / PLC / LLP* ( the account holder ) *delete as appropriate The Account Holder named above shall be bound by, and requires the Bank to act on, the instructions contained in the Resolution below which I certify to be a true copy of the original Resolution duly passed at a meeting of the Board of Directors/ Members of the said Account Holder on the day of (month) (year) Signatory Name Signature Date / / Director / Company Secretary / Designated Member Resolved that: 1) The following Authorised Signatory/ Signatories is/are required to transact and give instructions. Any one of the Signatories All of the Signatories Any two of the Signatories Non Standard signing arrangements (see specific instructions attached) 2) For the purposes of this Resolution, the term Account Holder shall mean the company or LLP named as the Account Holder in the Mandate set out above. 3) Bank of Ireland UK (the Bank ) is hereby requested to open and / or continue one or more accounts, in the name of the Account Holder, at any branch(es) or department of the Bank. 4) The Bank is hereby authorised to honour and negotiate all cheques and other negotiable instruments drawn, made, endorsed or accepted on behalf of the Account Holder and to act on all instructions relating to the accounts affairs or transactions of the Account Holder, notwithstanding that such action may lead to borrowing or cause any of the accounts to be overdrawn or any overdraft to be increased provided that they are signed on behalf of the Account Holder in accordance with the Mandate set out above. 5) The Bank be supplied with a list of the officials authorised to sign in accordance with the Mandate set out above, together with their specimen signatures and the Bank be given notice in writing, signed by the then Secretary / Designated Member (as the case may be) and any one of the Authorised Signatories (set out overleaf), of any change which may occur from time to time in the list of Authorised Signatories and of any changes which may occur from time to time in the Directors / Members of the Account Holder. 6) The Bank is hereby requested to grant accommodation from time to time by way of overdraft, loan or otherwise for the purposes of the Account Holder, on such terms and conditions as are then current or may be stipulated by the Bank from time to time. 7) The Bank is authorised to act on any instruction to countermand or revoke any cheque, draft or order to pay before it is effected provided that the same is signed on behalf of the Account Holder in accordance with the Mandate set out above. 8) The Bank is hereby authorised in respect of any information and / or copy documents supplied to the Bank to enable the Bank to comply with its obligations to establish the identity of the Account Holder in accordance with the UK money laundering legislation, at any time, to disclose to, transfer to, or send copies thereof to any branch, any other member of the Bank of Ireland Group or persons so authorised under UK legislation who may at any time provide or be requested to provide any services to the Account Holder. 9) Any information and / or copy documents which have been supplied to any member of the Bank of Ireland Group or any branch of the Bank to enable it to comply with its obligations to establish the identity of the Account Holder in accordance with the UK money laundering legislation may at any time be disclosed or transferred to, or copies thereof sent by such member or branch to the Bank or another branch of the Bank so as to enable the Bank to comply with its obligations under UK legislation. For the benefit of any such member of the Bank of Ireland Group, the Account Holder confirms that such member may act on this authorisation as if it were specifically addressed to such member. 10) The Bank is hereby authorised in respect of any information supplied to the Bank relating to the identity of the Account Holder or in any connection with any matter arising from any application made to the Bank to make all and any enquiries the Bank considers appropriate or disclose any information contained in this form or any such application to, any third party providing a credit reference service and the Account Holder confirms that the Bank may disclose information relating to any account (if opened) and its operation to any credit reference agency. 11) This Resolution shall be communicated to the Bank and shall remain in full force until an amending Resolution shall be passed by the Board of Directors / Members of the Account Holder and a copy thereof certified by the Chairperson of the meeting shall be communicated to the Bank. 4

5 We take your privacy seriously and we want you to be clear about how your personal information is used. Please read our Privacy Notice which explains, for example, your personal information rights, the types of personal information collected, how it is used, and who it is shared with. Each Director / Member / Significant Beneficial owner / and each Signatory must read Section 10, Data Protection using your information and section 11 the Declaration and Agreement on page 13. Each Director / Member / Significant Beneficial owner / and each Signatory also consents to their identity being electronically verified where required. Please see page 2 Identifying our Customers. By providing the information requested on this Mandate you accept and agree to be bound by those terms. These are the name(s) of the Director / Member / Beneficial owner / / Authorised signatories and Specimen signatures where appropriate who may carry out transactions and give instructions as per the Resolution. *If you have lived at more than one address in the last 5 years please provide details on additional sheets. 5 5

6 We take your privacy seriously and we want you to be clear about how your personal information is used. Please read our Privacy Notice which explains, for example, your personal information rights, the types of personal information collected, how it is used, and who it is shared with. Each Director / Member / Significant Beneficial owner / and each Signatory must read Section 10, Data Protection using your information and section 11 the Declaration and Agreement on page 13. Each Director / Member / Significant Beneficial owner / and each Signatory also consents to their identity being electronically verified where required. Please see page 2 Identifying our Customers. By providing the information requested on this Mandate you accept and agree to be bound by those terms. These are the name(s) of the Director / Member / Beneficial owner / / Authorised signatories and Specimen signatures where appropriate who may carry out transactions and give instructions as per the Resolution. *If you have lived at more than one address in the last 5 years please provide details on additional sheets. 6 6

7 We take your privacy seriously and we want you to be clear about how your personal information is used. Please read our Privacy Notice which explains, for example, your personal information rights, the types of personal information collected, how it is used, and who it is shared with. Each Director / Member / Significant Beneficial owner / and each Signatory must read Section 10, Data Protection using your information and section 11 the Declaration and Agreement on page 13. Each Director / Member / Significant Beneficial owner / and each Signatory also consents to their identity being electronically verified where required. Please see page 2 Identifying our Customers. By providing the information requested on this Mandate you accept and agree to be bound by those terms. These are the name(s) of the Director / Member / Beneficial owner / / Authorised signatories and Specimen signatures where appropriate who may carry out transactions and give instructions as per the Resolution. *If you have lived at more than one address in the last 5 years please provide details on additional sheets. 7 7

8 Section 4: Authority and Indemnity Telephone or Facsimile Instructions Bank of Ireland UK is a leading provider of electronic banking services. Bank of Ireland UK recommend the use of Business On Line as the most secure method of viewing transactional banking information and effecting payments. Should you wish to receive additional information on Business On Line, please advise us under Section 7. However, should you wish to transact business with us by way of telephone or facsimile instructions, then please proceed to complete this Section. To Bank of Ireland (UK) plc ( The Bank ) 1. Insert Company Name Limited / PLC / LLP* ( the account holder ) *delete as appropriate (together the company ) have furnished to the bank a mandate dated the day of 20 (the Mandate) and any amendment, variation, replacement of substitute Mandate given to the bank from time to time is hereinafter referred to as the Mandate in relation to the operation of any account(s) in the name of the company with the bank. Notwithstanding the terms of the Mandate the Company hereby further instructs the Bank that in connection with the operation of any account(s) in the name of the Company and any one of the persons named in a resolution of the Board of Directors of the Company and furnished to the Bank from time to time is authorised to give instructions by telephone or facsimile message. 1. In consideration of the Bank agreeing, at the request of the Company, to act on instructions received by telephone or facsimile message the Company hereby: (a) Covenants and undertakes with and to the Bank that: (i) the Bank may act on such instructions sent by telephone or facsimile message whether such instructions include instructions to pay money or otherwise debit or credit any account of the Company with any amount or relate to the disposition of any money, or purport to bind the Company to any agreement with the Bank or with any other person or commits the Company to any other type of transaction or arrangement whatsoever: and the Company shall at all times accept the debit or the credit of the Bank on any of its accounts in respect of any such transaction as conclusive evidence of any such instructions sent by telephone or facsimile message and of the amount involved. (ii) it shall do all that is necessary to ensure maximum security in connection with the issue of any such instructions sent by telephone or facsimile message. (b) Acknowledges and agrees: (i) that no written confirmation shall be required before or after the Bank shall act on instructions sent by telephone or facsimile message but shall if called upon to do so by the Bank confirm such instructions in writing provided that failure to do so shall not render invalid any action taken by the Bank pursuant to such instructions. (ii) that the Bank assumes no liability or responsibility for consequences arising out of the interruption of, delay and/or loss in transit of any messages, letters or documents or for any delay, mutilation or other errors arising in transmission of any instructions sent by telephone or facsimile message or for errors in translation of and/or interpretation of technical terms. (iii) that the Bank assumes no liability or responsibility for consequences arising out of the interruption of the Bank s business due to failure of power, riots, civil commotions, insurrections, wars, acts of God or any other causes beyond the Bank s control. (c) Indemnifies and agrees to keep indemnified the Bank against all claims, demands, liabilities, losses, costs (including legal fees on a full indemnity basis) actions, proceedings, charges and expenses whatsoever and howsoever arising which the Bank may incur or suffer by reason of the Bank acting on any instructions received by telephone or facsimile message and that the Bank may debit any account(s) in the name of the Company with any sums payable by the Company hereunder. 2. The Bank agrees and acknowledges that the Company shall not incur any liability as stated in 2. (c) above, to the extent that any claims, demands, liabilities, costs, actions, proceedings, charges and expenses arise out of any fraud or negligence duly proved on the part of the Bank, its officers, servants or agents. 3. The agreements and obligations on the part of the Partnership herein contained shall take effect as joint and several agreements and obligations and references to the Partnership shall take effect as references to each of them and none of them shall be released from liability hereunder by reason of this Authority and Indemnity ceasing to be binding as a continuing security on any other of them. Unless the contrary intention appears words in the plural shall include the singular. 4. This Authority and Indemnity is irrevocable save with the prior written consent of the Bank. 5. For the benefit of the Bank the Company submits to the jurisdiction of the Courts of Northern Ireland in relation to any claim or proceeding hereunder. The Company further irrevocably submits to any other jurisdiction in which it has assets and hereby waives any objection to any claim that any suit action or proceedings have been brought in any inconvenient forum. 8

9 Section 4: Authority and Indemnity Telephone or Facsimile Instructions To be signed in accordance with the Mandate on Section 3! Note: the Witness must not be related to the Authorised Signatory. Signed by: In the presence of (Print Name): In the presence of (Signature): (Authorised Signatory in accordance with the Mandate on page 4) (Witness) (Witness) Address (Witness): Occupation (Witness): Signed by: In the presence of (Print Name): In the presence of (Signature): (Authorised Signatory in accordance with the Mandate on page 4) (Witness) (Witness) Address (Witness): Occupation (Witness): 9 9

10 Section 5: Current Account Switching Transfer Authority Depending on your needs and preferences you may qualify for the Current Account Switch Service (CASS). Alternatively, the Bank of Ireland UK Switch Service (BOI UK SS) will apply. Please see our Current Account Switch Service Information Pack for full details. Do you wish to close your existing Current Account? If YES, PLEASE COMPLETE SECTION (A) on the Current Account Switch Service below. If NO, or if you do not meet the eligibility criteria for the Current Account Switch Service, then PLEASE COMPLETE SECTION (B) on the Bank of Ireland UK Switch Service below. Section (A) Current Account Switch Service Section (B) Bank of Ireland UK Switch Service For use when you are closing your existing account, and are either: i) a business with an annual turnover that does not exceed 6.5 million and employs fewer than 50 people ii) a small charity with an annual income of less than 6.5 million iii) a small trust with a net asset value of less than 6.5 million Do you have any security attached to your existing account? Yes No NB. If you have security attached to your existing, old bank, account, you must take steps toward initiating its release before a full account switch using the Current Account Switch Service may take place. I/we agree and confirm that: I/we give my/our consent for Bank of Ireland UK to contact my/ our old bank to request full details of all direct debits, standing orders, online benefi ciaries, future-dated payments, and any recurring credit and/or debit payments from the bank account set out overleaf. I/we am/are aware that the switch process begins 6 working days before the Switch Date. I/we hereby instruct Bank of Ireland UK to contact my/our old bank to close my/our Old Account in accordance with the Account Closure Instruction. This cannot be reversed or cancelled any later than the close of business 7 working days before the Switch Date. I/we give my/our consent to the redirection of all payments to and from my/our Old Account to be made to and from my/our New Account for 36 months after the Switch Date. I/we understand that after the abovementioned 36 month period automatic redirection of payments will continue until such a time as there is a 13 month period when no Direct Debits, BACS Direct Credits or Faster Payment transactions have been automatically redirected to my/our Old Account. I/we are aware that any Open Banking authorisations given to Third Party Providers to access my/our old bank account will not be switched to BOI UK. I/we have received, read and understood the relevant information pack regarding the Current Account Switch Service, which includes an explanation of the: 1. Current Account Switch Guarantee 2. Current Account Switch Agreement (including consent and service conditions) 3. Account Closure Instruction For use when you either: i) do not meet eligibility criteria (see aside) for CASS OR: ii) wish to leave your existing account open Please complete either Option (1) or Option (2) Option (1): I/we authorise Bank of Ireland UK to do the following on my our behalf: OR: X Contact my/our old bank to request full details of all direct debits,standing orders, online benefi ciaries, future-dated payments, and any recurring credit and/or debit payments from the bank account set out overleaf. Credit payments please choose ONE option: Provide details of my/our new Bank of Ireland UK account to the persons and organisations indicated on the Request to redirect credit payments to new account form(s), found in the Current Account Switch Service Information Pack, so that these payments may be set up on my/our new account. Send to my/our address a partially completed letter for each of the persons or organisations who made regular payments into my/our old account in the last 13 months so that I/we may forward to them details of my/our new Bank of Ireland UK account. Direct debits and recurring debit payments -please choose ONE option: Provide details of my/our new Bank of Ireland UK account to each of the persons and organisations whom I/we pay by direct debit. Send to my/our address a partially completed letter for each of the persons or organisations I/we have paid through direct debit or through recurring debit payments in the last 13 months so that I/we may forward to them details of my/our new Bank of Ireland UK account. Option (2): I/we will manage my/our own switch. X I/we will send to my/our old bank my/our own instructions regarding the cancellation of any existing direct debits, standing orders, future-dated payments, account closure and credit balance transfer as per my/our own preferences using the Customer Request to Complete Switch form(s) found in the Bank of Ireland UK Switching Service section of the Current Account Switch Service information pack. I/we have received, read and understood the relevant information pack regarding the Bank of Ireland UK Switch Service, and confirm my/our agreement. I/we are aware that any Open Banking authorisations given to Third Party Providers to access my/our old bank account will not be switched to BOI UK. Customer Signature Date / / Customer Signature Date / / Customer Signature Date / / Customer Signature Date / / Customer Signature Date / / Customer Signature Date / / Please sign this authority in accordance with the terms of the mandate held with your current bank. By completing this authority, you give us your permission to approach your previous bank / branch and give them permission to act on our request

11 To The Manager: Previous bank: Branch: We are transferring our account(s) to Bank of Ireland UK. Would you please act on the signed authority on the previous page. Please complete details of account(s) to be transferred Company Name (Exact name as it appears on your bank statement): Certificate or Incorporation / Registered No: Company Address (Exactly as it appears on your bank statement): : Please note if the details completed are not identical to the details held by your Old Bank the switch will be automatically rejected. Current Account Details (N.B. Please do NOT include Deposit Accounts) Please complete details of all Current Accounts you wish to switch. National Sorting Code: Old Bank Sort Code / New Bank of Ireland UK Sort Code: Account Name Old Bank New Bank of Ireland UK (e.g. no 1 account, payroll account etc) Account Number Account Number Do you currently have a debit card on your existing Business Current Account? Yes No Name on card: If yes, please insert the last 5 digits of the Primary Account Number (16 digit long number) on your debit card: Please provide us with a mobile telephone number for updates on your switch: For internal use only NB. Please ensure that the preferred switch date is in line with the below timescales for CASS and BOI UK SS, doesn t fall on during a weekend/public holiday, and will not have already passed by the time the application is passed to the Account Switching Unit. What is the preferred switch date? / / a) CASS Switch - The earliest switch date should be 15 working days from the date this application is submitted to the Bank. Does the Current Account Switch Service Guarantee apply? If using CASS, please confirm that the customer has been advised as to the implications of security attached to their existing current account? t Applicable b) BOI UK SS Switch - The earliest switch date should be 17 working days from the date this application is submitted to the Bank. Yes No Contact at Bank of Ireland UK is: Bank of Ireland UK Branch Address: Name of Position/: : 11 11

12 Section 6: Easier Banking Please indicate below if you require, or are interested in receiving information regarding, any of the following: Business Visa Debit Card Card Payment Facilities Business Quick Lodge Card Does your business have a requirement, now or sometime in the future to accept card payments? Are you happy for a representative to contact you to discuss card payment options? By ticking the boxes above you are consenting to and authorising Bank of Ireland UK to give your personal information to our chosen merchant services provider so that they may contact you to advise you about their products and services. Section 7: Our range of Products and Services We have a number of services that may meet your business requirements. Some of these are subject to status. Please tick below if you require, or are interested in receiving information regarding, any of the following: Current Account Commercial Card Deposit Account Fixed Term Deposit Borrowings Asset Finance Invoice Discounting / Factoring Foreign Exchange / Treasury Services Electronic Services Business On Line BACS CHAPS Cross Border Payments Other (please specify) Section 8: Your Statement Requirements You will receive a paper statement for your current account on a monthly basis. You can go paperless after registering for 365 Digital and Phone Banking. Please ask your branch or account manager for details. Insert date statement(s) required to issue Section 9: Cheque Book and Lodgement Book Requirements Please indicate which you require: 50 cheques per book 200 cheques per book Lodgement book Name to appear on Cheque Book* * This must always show your legal name and if required can also include a trading name as detailed in Section 1. 12

13 Section 10: Data Protection using your information Credit Reference Agencies In order to process your application we will supply your personal information to credit reference agencies (CRAs) and they will give us information about you, such as your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity. We will also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants or other financial associates. The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail in our Privacy Notice available on bankofirelanduk.com/privacynotice. Fraud Prevention Agencies The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and moneylaundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found in our Privacy Notice available on bankofirelanduk.com/privacynotice. Section 11: Declaration and Agreement By signing the Mandate in Section 3 we declare that all the information in this application form has been completed to the best of our knowledge and belief and we will notify Bank of Ireland UK promptly of any changes. We have received the Guide to Banking for Business Customers Northern Ireland, which includes the Deposit Guarantee Scheme Information Sheet, and agree to be bound by the Terms and Conditions for the operation of our accounts

14 This document can be made available in Braille, large print or audio upon request. Please ask any member of staff for details. Bank of Ireland UK 1 Donegall Square South Belfast BT1 5LR bankofirelanduk.com Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc. Registered in England & Wales (No ), Bow Bells House, 1 Bread Street, London, EC4M 9BE. UK37-995N.16 (05/18)