1. The information, services and products on this website are intended for use by residents of the Republic of Ireland only, and are not aimed at or intended for use by residents of any other jurisdiction.

2. This website is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. You will be referred on certain site pages to read "important information". This Important Information will contain important product details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

Exclusion of liability

3. While we have taken all reasonable steps to ensure the accuracy and completeness of the information on this website, we give no warranty and make no representation regarding the accuracy or completeness of the content of this website. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. Further, no warranty is given that the website shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

4. Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

5. Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under any legislation or conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury, or for fraudulent misrepresentation.

6. This website contains links to other websites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such websites at your own risk, and we make no representations regarding the content of any such website. We cannot be liable for any loss or damage which may arise from the use of such third party websites.

Personal data

7. By agreeing to be bound by these terms and conditions, you are consenting to us collecting and storing certain personal data about you. This data will be used to provide the service applied for and may be stored by The Royal Bank of Scotland Group to keep you informed of products and services which may be of interest to you. This data will not be used other than in the normal course of our business. If you do not wish to receive such information, all you need to do is write to let us know. If you wish to receive details of personal data held about you by us, you may write to request this - there is a fee for this service.

Copyright

8. The contents of this website are © Ulster Bank Ireland Limited, 2004. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only.

Trade marks

9. This website contains numerous trademarks belonging to Ulster Bank Ireland Limited and other companies in The Royal Bank of Scotland Group. The unregistered trademarks include graphics, logos, words, phrases and icons contained on this website. No rights are granted in respect of any of the above trademarks. If you are in doubt as to whether an item is a trademark of Ulster Bank Ireland Limited or a member of The Royal Bank of Scotland Group, please contact us for clarification at the address below.

Advice

10. The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the provision of financial, investment or other professional advice in any way.

Regulatory information

11. Ulster Bank Ireland Limited is regulated by the Central Bank of Ireland.

12. Ulster Bank Ireland Limited is a member of the Irish Bankers' Federation (IBF) and subscribes to various codes of practice including the following voluntary Codes:

• Code of Practice on Personal Account Switching
• Code of Practice on Pre-Contractual Information for Home Loans
• Code of Practice on Business Account switching

Details of these codes are available from any branch of Ulster Bank Ireland Limited or from the Irish Bankers' Federation.

13. Ulster Bank subscribes to the European Voluntary Code of Conduct on Pre-Contractual Information for Home Loans. A copy of this Code is available from Ulster Bank Mortgages.

14. In accordance with Section 38(1) of Investor Compensation Act, 1998, Ulster Bank Ireland Limited wishes to inform actual and intending clients of the following information concerning investor compensation:

1. that the Investor Compensation Act, 1998 provides for the establishment of a compensation scheme and the payment, in certain circumstances of compensation to certain clients (know as eligible investors *) of authorised investment firms as defined in the Act;
2. that Ulster Bank Ireland Limited is a member of that compensation scheme;
3. that where an entitlement to compensation is established, the compensation payable will be the lesser of;
   • 90 per cent of the amount of the client's loss which is recognised for the purpose of the Investor Compensation Act, 1998; or
   • compensation of up to €20,000.00.

For further information, please download the booklet, Investor Compensation - How does it work? (PDF)

*A person is an eligible investor if they are a client of an investment firm that has failed and have made an application for payment under section 34 of the Investor Compensation Act, 1998.

15. If you are not satisfied with any of Ulster Bank's products or services we have a complaint handling procedure that you can use to resolve such matters. A leaflet giving details of the procedure can be obtained from any of our branches or by telephoning the bank on +353 1 608 4000.

If you are still not satisfied after following the complaints procedures, you can ask the Financial Services Ombudsman Bureau to review the complaint. You can find out more about the Financial Services Ombudsman's Bureau in a leaflet available from any branch or by telephoning the bank on +353 1 608 4000. Alternatively you can write to: The Financial Services Ombudsman's Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2; Lo-Call 1890 882090; Telephone 01 6620899; Fax 01 6620890, email enquiries@financialombudsman.ie ; website www.financialombudsman.ie.

New accounts

16. We have a legal obligation to ask all new account holders for acceptable identification and separate verification of your current permanent address before opening an account. If you are unable to provide any of the above please contact a member of staff.

Governing law

17. The terms and conditions of use of this website are governed by the laws of the Republic of Ireland and any dispute regarding this website shall be subject to the exclusive jurisdiction of the Republic of Ireland courts.

Changes to website

18. The contents of this website, including these terms and conditions of use, are subject to change by us without notification.

Telephone calls

19. In order to maintain the highest levels of service, we may record and monitor telephone calls.

Internet communications

20. In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, The Royal Bank of Scotland Group reserves the right to monitor all internet communications, including web and email traffic, into and out of its domains. Monitoring includes checks for, but not limited to; viruses and other malignant code, criminal activity, and use or content which is unauthorised as being in breach of the Group Dignity at Work and Information Security Policies.

Registered details - Ulster Bank Ireland Limited

21. Ulster Bank Ireland Limited. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group and Banc Uladh. Registered in Republic of Ireland No 25766. Registered Office: Ulster Bank Group Centre, George's Quay, Dublin 2.

22. The VAT number of Ulster Bank Ireland Limited is IE/9/E/61585W.

23. Ulster Bank Ireland Limited is a member of The Royal Bank of Scotland Group.

24. Ulster Bank Ireland Limited, telephone +353 1 608 4000.

Registered details - Ulster Bank Commercial Services Limited

25. Ulster Bank Commercial Services Limited. A private company limited by shares, trading as Ulster Bank Invoice Finance. Registered in the Republic of Ireland No 67713. Registered Office: Ulster Bank Group Centre, George's Quay, Dublin 2.

26. The VAT number of Ulster Bank Commercial Services Limited is. IE/9/E/61585W

27. Ulster Bank Commercial Services Limited is a member of The Royal Bank of Scotland Group

28. Ulster Bank Commercial Services Limited general email address: ubcs@ulsterbank.com

29. Ulster Bank Commercial Services Limited, telephone +353 1 608 4000.

Registered details - Ulster Bank Wealth

30. Where this website refers to or contains information relating to Ulster Bank Wealth, such pages or references will also be governed by the terms and conditions set out above, with the exception that conditions 12 and 13 and 21-29 will not apply to Ulster Bank Wealth.

31. Ulster Bank Wealth, a private unlimited company having share capital. Registered in the Republic of Ireland No 149869. Registered Office: Ulster Bank Group Centre, George's Quay, Dublin 2.

32. The VAT number of Ulster Bank Wealth is IE/9/E/61585W.

33. Ulster Bank Wealth is a member of the Royal Bank of Scotland Group.

34. Ulster Bank Wealth telephone: +353 1 608 4000.

35. Ulster Bank Wealth is regulated by the Central Bank of Ireland.