37-8

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/12)

Part A

: Perso

nal Custo

mer Id

entificatio

n Form

Nam

e of C

ustom

er:

A/c N

o:

Nam

e of A

ccount (if d

ifferent):

To: The Governor and C

ompany of the B

ank of Ireland (the “Bank”, w

hich term includes and shall be construed to include B

ank branches)

Signed:

Date:

Signed:

Date:

Child

’s PP

SN

no

t

pro

vided

I do not have official details or an official document w

ith my nam

e, address and PP

SN

but I shall try to let you have this

docum

entation as soon as I can. I declare the foregoing to be true and accurate.

Child

’s PP

SN

pro

vided

I do not have an official document w

ith my nam

e, address and PP

SN

but I confirm that the P

PS

N outlined above is m

y b

ut no p

roo

f attached

P

PS

N. I shall try to let you have this docum

entation as soon as I can. I declare the foregoing to be true and accurate.

TIN

P

rovid

ed

or P

asspo

rt

If Passp

ort: D

ate of B

irth and P

lace of B

irth:

Signed:

Date:

DD

MM

YY

YY

DD

MM

YY

YY

DD

MM

YY

YY

Nam

e and current p

ermanent ad

dress of p

erson named

overleaf must b

e in line w

ith proced

ures.

Face to face contact with p

erson being

N

o

If no, specify m

ethod of contact

(If ‘No’ tw

o forms of A

ddress V

must b

e obtained

)

Nam

e

Current P

ermanent A

dd

ress

Nam

e V D

ocument(s) used

Ad

dress V

1* Method

(s) used

Ad

dress V

2* Method

(s) usedFor N

on Face to Face only

Sig

ned (S

taff Mem

ber)

S

taff Num

ber

Date

Child

’s PP

SN

Proof

Yes N

o

P

roo

f Pro

vided

(Do

cument)

If No

If Yes

Is person (account holder) to be identified an existing Bank of Ireland G

roup Custom

er? Yes

No

Part B

- Bank use o

nly

DD

MM

YY

YY

Nam

e of Branch/G

roup E

ntity

Method

used to check (S

ervicelink, etc.)

Existing

custom

er after 2/5/95

Yes

NS

C

A

/c No.

D

ate opened

ID D

ocumentation for the p

erson named

overleaf must b

e held.

Money Laund

ering Docum

entation Screen C

omp

leted for ab

ove account Yes

With the p

erson’s consent as detailed

overleaf, you can request the B

ranch/Group

Entity w

ho has established

his/her identity to up

date the M

oney Laund

ering Docum

entation Screen O

R p

rovide cop

ies of the ID d

ocumentation for your record

s OR

you can request him

/her to provid

e the necessary d

ocumentation and

create Money Laund

ering Docum

entation Screen.

T

child

parent/guardian - on behalf of the child

child

DD

MM

YY

YY

90

* Cop

ies of ID m

aterial(s) must b

e attached to this ap

plication form

.

DD

MM

YY

YY

Custo

mer C

onsent:

I/we hereby agree that any inform

ation and/or original documents and/or any copy docum

ents supplied by me or on m

y behalf to the Bank are accurate so as to enable the B

ank to comply w

ith any and allof the obligations of the B

ank under law and regulations concerning the prevention of m

oney laundering and terrorist financing and to comply w

ith taxation requirements. S

uch information or docum

entationm

ay at any time be disclosed by the B

ank to, transferred to, or copies thereof sent by the Bank to any B

ank branch, any other mem

ber of the Bank of Ireland G

roup, or any other ‘designated body’(as defined in The C

riminal Justice (M

oney Laundering and Terrorist Financing) Act 2010 as am

ended (the "2010 Act") or in any provision w

hich replaces it) which m

ay at any time provide or be requested to

provide any services to me. I/w

e further agree that any information and/or any original docum

ents and/or any copy documents that have been supplied by or for m

e to any Bank of Ireland G

roup mem

ber to enable such B

ank of Ireland Group m

ember and /or B

ank of Ireland Group to com

ply with any and all obligations under or pursuant to the 2010 A

ct may at any tim

e, by such Bank of Ireland G

roup mem

ber, be disclosed to any other B

ank of Ireland Group m

ember, or be transferred to, or copies thereof sent to any other B

ank of Ireland Group m

ember, so as to enable such other B

ank of Ireland Group m

ember to

comply w

ith the 2010 Act and for the benefit of any B

ank of Ireland Group m

ember to w

hich I have supplied any such information, docum

ents and /or copy documents aforesaid, I/w

e hereby confirm that such

Bank of Ireland G

roup mem

ber may act on this authorisation and consent as if it w

as specifically addressed to such Bank of Ireland G

roup mem

ber. I/we hereby confirm

that each authorisation containedherein to hold, use, disclose, copy and process inform

ation constitutes a consent for the purpose of the Data P

rotection Acts 1988 and 2003 and any am

ending or extending legislation or any relatedE

uropean Com

munities regulation or directive. For the purposes of this consent the term

s “Bank of Ireland G

roup” and “Bank of Ireland G

roup mem

ber” each mean and shall be construed to m

ean any andall of the follow

ing: the Bank; IC

S B

uilding Society; any branch of the bank or IC

S B

uilding Society; the separate legal entities that constitute the B

ank of Ireland Group; any respective successors, assigns

and transferees of the Bank; IC

S B

uilding Society or entities aforesaid.

(Perso

nal Pub

lic Service N

umb

er)

(Taxp

ayer Identificatio

n Num

ber)

www.bankofireland.com/youngsavers

Turn your savingsinto something great with our Young Savers Account

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

Turn your savings into something greatwith our Young Savers Account

www.bankofireland.com/youngsavers

2 0 1 3

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

37-8

28R

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/13)

37-828RU.12(01/13) - BOI Youth Saver DL.indd 1-5 08/01/2013 16:54

Youn

g S

aver

s A

cco

unt

App

licat

ion

Form

2 11

Your perfect first Young Savers Account

Bank of Ireland’s Young Savers Account is specially designed for children aged 7 – 13 years old and lets you put in or take out your money as often as you want. It’s your perfect first bank account and now includes a new handy device for your computer screen.

Meet U-Ro, our new savings robot. Using your secret password, U-Ro helps to make learning about saving even more fun and rewarding. Soon, you’ll know how to save up for the things that matter to you, maybe a new toy, a CD or even the latest computer game.

U-Ro will show you how you can keep track of your savings so you can always see just how quickly your savings are growing.

Your money is always available to you and, better still, you’ll receive interest on your account.

(b) If the complaint has not been resolved within 5 Banking Days, the Bank will acknowledge receipt of your complaint in writing. If the complaint has not been resolved within 20 Banking Days the Bank will provide the Accountholder with a written update. If, after a further 20 Banking Days the Bank has still not resolved the complaint, the Bank will write again to explain the delay and will provide an indication of when a conclusion is expected.

(c) When the Bank has completed its investigation into the complaint, it will provide the details of the outcome to the Accountholder in writing.

(d) If the Accountholder is not satisfied with how the Bank has dealt with the complaint, it may be taken to the Financial Services Ombudsman, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2. Lo Call: 1890 88 20 90, Telephone: +3531 6620899, Fax: +353 1 6620890,

e-mail: enquiries@financialombudsman.ie, website: www.financialombudsman.ie

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

U-Ro

Acc

oun

t b

eing

op

ened

fo

r:

C

hild

Ag

ed 7

-13

Sur

nam

e

Ho

me

Ad

dre

ss

Chi

ld’s

PP

SN

Hom

e P

hone

No.

Mob

ile P

hone

No.

Yea

r to

com

plet

e P

rimar

y S

choo

l

Em

ail A

ddr

ess

Chi

ld’s

Dat

e of

Birt

h

Firs

t N

ame

Mr/

Mis

s

C

hild

’s P

erso

nal D

etai

ls

DD

MM

YY

YY

Youn

g S

aver

s A

cco

unt

App

licat

ion

Form

2 11

Your perfect fi rst Young Savers Account

Bank of Ireland’s Young Savers Account is specially designed for children aged 7 – 13 years old and lets you put in or take out your money as often as you want. It’s your perfect fi rst bank account and now includes a new handy device for your computer screen which lets you keep an eye on just how much you have in your account.

Meet U-Ro, our new savings robot. Using your secret password, U-Ro helps to make learning about saving even more fun and rewarding. Soon, you’ll know how to save up for the things that matter to you, maybe a new toy, a CD or even the latest computer game.

U-Ro will show you how you can keep track of your savings so you can always see just how quickly your savings are growing.

Your money is always available to you and, better still, you’ll receive interest on your account.

(b) If the complaint has not been resolved within 5 Banking Days, the Bank will acknowledge receipt of your complaint in writing. If the complaint has not been resolved within 20 Banking Days the Bank will provide the Accountholder with a written update. If, after a further 20 Banking Days the Bank has still not resolved the complaint, the Bank will write again to explain the delay and will provide an indication of when a conclusion is expected.

(c) When the Bank has completed its investigation into the complaint, it will provide the details of the outcome to the Accountholder in writing.

(d) If the Accountholder is not satisfi ed with how the Bank has dealt with the complaint, it may be taken to the Financial Services Ombudsman, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2. Lo Call: 1890 88 20 90, Telephone: +3531 6620899, Fax: +353 1 6620890,

e-mail: enquiries@fi nancialombudsman.ie, website: www.fi nancialombudsman.ie

Bank of Ireland is regulated by the Financial Regulator.

To

the

Ban

k o

f Ir

elan

d G

roup

. 1.

I he

reb

y co

nsen

t to

the

Ban

k an

d, w

here

ap

pro

pria

te, t

he G

roup

, and

its

or t

heir

dul

y au

thor

ised

age

nts,

hol

din

g, u

sing

, dis

clos

ing

and

p

roce

ssin

g m

y d

ata

in t

he f

ollo

win

g w

ays

(whe

re d

e�ne

d t

erm

s ha

ve t

he m

eani

ng s

et o

ut a

t th

e en

d o

f th

is s

ectio

n):

(a) U

nles

s I h

ave

ind

icat

ed t

o th

e co

ntra

ry in

writ

ing,

fo

r d

irect

mar

ketin

g p

urp

oses

, to

ad

vise

me

and

/or

child

, th

e A

ccou

ntho

lder

, of

pro

duc

ts a

nd s

ervi

ces

of t

he B

ank,

the

Gro

up o

r se

lect

ed t

hird

par

ties.

Unl

ess

I in

dic

ate

to t

he c

ontr

ary,

to

cont

act

me

by

pos

t, t

elep

hone

, em

ail,

fax

or o

ther

mea

ns (s

ubje

ct t

o ap

plic

able

legi

slat

ion)

; (b

) To

carr

y ou

t st

atis

tical

ana

lysi

s an

d m

arke

t re

sear

ch; (

c)

To m

aint

ain

a “s

ingl

e vi

ew”

of m

y re

latio

nshi

p w

ith t

he B

ank/

Gro

up;

and

whe

reb

y d

ata

can

be

tran

sfer

red

bet

wee

n th

e B

ank

and

mem

ber

s of

the

Gro

up,

and

its

or t

heir

dul

y au

thor

ised

age

nts,

hel

d o

n, o

r lin

ked

to,

a G

roup

dat

abas

e an

d f

or t

he B

ank

and

any

oth

er G

roup

com

pan

ies

and

/or

dul

y au

thor

ised

age

nts

to m

anag

e an

d d

evel

op

its/t

heir

rela

tions

hip

s w

ith m

e an

d f

or g

ener

al b

usin

ess

pur

pos

es;

(d)

To h

old

, us

e, d

iscl

ose

and

pro

cess

my

dat

a fo

r an

y ot

her

spec

i�c

pur

pos

es w

here

I h

ave

give

n th

e B

ank/

Gro

up m

y sp

eci�

c co

nsen

t to

do

so;

(e)

For

dis

clos

ure

or t

rans

fer

of m

y d

ata

abro

ad b

ut o

nly

for

any

of t

he p

urp

oses

sp

eci�

ed a

bov

e, t

o p

erso

ns w

ho h

ave

bee

n ap

pro

ved

by

the

Ban

k an

d/o

r th

e G

roup

and

in a

man

ner

com

plia

nt w

ith a

pp

licab

le d

ata

pro

tect

ion

legi

slat

ion.

In t

his

Aut

horis

atio

n, t

he fo

llow

ing

term

s ha

ve t

he f

ollo

win

g m

eani

ngs;

the

“B

ank”

mea

ns T

he G

over

nor

and

Com

pan

y of

the

Ban

k of

Ire

land

(w

hich

incl

udes

Ban

k b

ranc

hes)

; th

e “G

roup

” m

eans

any

and

all

of t

he s

epar

ate

lega

l en

titie

s th

at c

omp

rise

the

Ban

k of

Ire

land

Gro

up;

my

“dat

a” m

eans

all

and

any

info

rmat

ion

whi

ch h

as b

een

pro

vid

ed o

r w

ill b

e p

rovi

ded

to

you,

whe

ther

by

me

or b

y a

third

par

ty, i

nclu

din

g in

any

ap

plic

atio

n fo

rms;

pro

vid

ed in

fur

ther

mee

tings

and

dis

cuss

ions

with

you

; ong

oing

tra

nsac

tion

dat

a in

res

pec

t of

my

acco

unts

and

rel

atio

nshi

p

with

the

Ban

k/G

roup

; or

othe

r su

ch d

ata.

2. I

n co

nsid

erat

ion

of t

his

app

licat

ion

for

a Yo

ung

Sav

ers

Acc

ount

, and

of

you

open

ing

this

acc

ount

, I a

gree

to

the

Youn

g S

aver

s A

ccou

nt T

erm

s an

d C

ond

ition

s, a

cop

y of

whi

ch I

have

rec

eive

d a

nd r

ead

and

by

whi

ch I

agre

e to

be

bou

nd.

O

per

atio

n o

f th

e A

cco

unt

I h

ereb

y co

nsen

t to

my

child

op

erat

ing

this

You

ng S

aver

Acc

ount

(“th

e A

ccou

nt”)

him

self/

hers

elf,

mea

ning

tha

t [O

NLY

] he/

she

is a

llow

ed t

o w

ithd

raw

m

oney

fro

m t

he A

ccou

nt.

I a

ckno

wle

dge

tha

t th

e A

ccou

nt is

hel

d in

the

sol

e na

me

of m

y ch

ild a

nd t

hat

my

child

is t

he b

ene�

cial

ow

ner

of a

ll fu

nds

lod

ged

to

the

Acc

ount

.

I c

onse

nt to

the

det

ails

that

I am

bei

ng a

sked

to s

upp

ly, b

eing

use

d to

sen

d m

y ch

ild a

ctiv

e ac

coun

t rew

ard

offe

rs a

nd b

irthd

ay g

reet

ings

and

to p

rovi

de

info

rmat

ion

abou

t ot

her

pro

duc

ts a

nd s

ervi

ces,

eith

er fr

om t

he B

ank

of Ir

elan

d G

roup

, or

whi

ch t

he B

ank

of Ir

elan

d G

roup

has

arr

ange

d fo

r m

e w

ith a

th

ird p

arty

. If

you

wou

ld n

ot li

ke t

he in

form

atio

n to

be

utili

sed

for

thi

s p

urp

ose,

ple

ase

tick

this

box

.

Aut

hori

sati

ons

and

Ap

plic

atio

n (t

o b

e co

mp

lete

d b

y P

aren

t/G

uard

ian)

Ban

k U

se O

nly

90

NS

CA

cco

unt

Num

ber

Dat

e

Dat

e

DD

MM

YY

YY

DD

MM

YY

YY

Sig

natu

re o

f P

aren

t/G

uard

ian

A s

amp

le s

igna

ture

of

the

child

is r

equi

red

her

e

150350 BOI YSA DL + AppForm.indd 6-10 14/10/2010 10:2437-828RU.12(01/13) - BOI Youth Saver DL.indd 6-10 08/01/2013 16:54

10

11.0 Waiver11.1 No time or indulgence which the Bank may extend to the

Accountholder nor any waiver by the Bank of any breach of any term or condition of these Terms and Conditions shall affect the Bank’s rights and powers hereunder.

12.0 Severance12.1 Each of the provisions of these Terms and Conditions is

severable from the others and if at any time any one or more of such provisions, not being of a fundamental nature, is or becomes illegal, invalid or unenforceable, the validity, legality and enforceability of the remaining provision of these Terms and Conditions shall not in any way be affected or impaired.

13.0 Jurisdiction13.1 The Terms and Conditions shall be governed by and construed

in accordance with the laws of Ireland, and the courts of Ireland shall have exclusive jurisdiction to resolve any disputes in connection therewith.

14.0 Termination14.1 The Accountholder may terminate this Agreement at any time

on notice to the Bank.14.2 The Bank may terminate this Agreement at any time on two

months notice to the Accountholder.14.3 In addition to the general right to terminate as set out above,

and without any liability to the Accountholder, the Bank may terminate this Agreement and close the Account immediately or, at the discretion of the Bank, may immediately block the use or operation of the Account in circumstances where;

(a) the Bank is made aware of the death, bankruptcy or other act of insolvency of the Accountholder

(b) the Accountholder has failed security checks in a manner that the Bank deems unacceptable

(c) there is a reasonable suspicion of unauthorised or fraudulent activity on the Account; or

(d) there has been a breach of these terms and conditions by the Accountholder.

Where the Account is so closed or blocked, the Accountholder will be notified and, where the Account is blocked, the Accountholder will be advised as to how the block may be

removed.

15.0 Making a Complaint15.1 The Bank is committed to providing excellent customer service

at all times. If the Accountholder wishes to make a complaint the following steps will apply:

(a) Raise the complaint at the Bank branch where the problem arose either in person or over the phone to the Customer Service Manager (or any member of staff) or in writing to the Customer Service Manager. Alternatively, the Accountholder

may make the complaint to the Bank’s Customer Care Unit by phoning 1850 753 357 on a Banking Day between 9.00 am and 5.00 pm (+353 1 661 5933 if calling from abroad) or by writing to Customer Care Unit, Bank of Ireland, Head Office,

40 Mespil Road, Dublin 4.

3

How to open an account

• If you’re between 7-13 years of age, you can open a Young Savers Account in your own name (once you have your parent(s)/guardian(s) permission). It’s best to have your parent/guardian with you when you open your account.

• Once your account is opened, you’ll receive a free moneybox where you can store up your money in between visits to your branch

• To open an account, just call into your local Bank of Ireland branch. You’ll need something to identify you, so bring along the following:

- Your own passport - Proof of where you live, such as a household

bill addressed to your parent(s)

Here’s what you get with your Young Savers Account

• There are no fees or charges for using the account, so you get to keep all your own money

• You can lodge or withdraw money in any of our branches around the country

• You’ll receive interest on your savings four times a year and you’ll also get a statement once a year which tells you exactly what’s in your account

Your parents can make regular payments by setting up a standing order so that some or all of your pocket money goes straight into your account and of course, when you receive gifts of money from friends and family, you can save that into your account by lodging it at your local branch.

37-828RU.12(01/13) - BOI Youth Saver DL.indd 11-12 08/01/2013 16:54

This is so we know your full name, your age and where you live.

It will also speed things up if you can bring along your own and your parent’s Personal Public Service Number (PPSN) – your parent should be able to find this for you.

So, open a Young Savers Account today and make a fun start to managing your own savings.

4

How to get your free savings gadget

U-Ro is a really clever little robot that you can put on your computer screen and it will help you keep track of how much you have in your savings account.

Every time you put money into your Bank of Ireland branch, you can also make a note of it with U-Ro. That way, you’ll always know how much money you have and just how quickly your money is growing.

When you open an account in your local Bank of Ireland branch, we’ll tell you how to download it, or you can find out more on www.bankofireland.com/youngsavers

9

7.5 Where any such unauthorised transactions arise as a result of any fraud or gross negligence on the part of the Accountholder, the Accountholder shall be liable for the full amount of such unauthorised transactions.

7.6 In the event of any incorrectly executed transaction resulting from the acts or omissions of the Bank, the Bank will refund the amount of such incorrectly executed transaction and

will restore the Account to the state it would have been in had the incorrectly executed transaction not taken place.

7.7 Where any transaction is effected by the Bank in accordance with any unique identifier (e.g. Sort code, Account Number, BIC or IBAN) as supplied by the Accountholder but

where the unique identifier supplied is incorrect the Bank shall have no liability to the Accountholder in respect of such transaction. The Bank will however make all reasonable efforts to recover the funds involved in such transaction. The Bank may charge the Accountholder in respect of all reasonable costs incurred in recovering the funds on behalf of the

Accountholder.

8.0 Interest when the Account is in Credit8.1 Interest is calculated each day based on the cleared balance

of euros, excluding cents, in the Account at the relevant rate applicable to the Account. The rates of interest are variable. These rates are available from the Bank on request.

8.2 Interest shall be paid into the account 4 times a year in February, May, August and November.

8.3 Interest is subject to the deduction of deposit interest retention tax (DIRT) at the prevailing rate.

9.0 Identification9.1 To ensure compliance with its obligations under law and

regulations concerning the prevention of money laundering and terrorist financing and to comply with taxation

requirements, the Accountholder and/or the Accountholder’s parent/guardian (if the Accountholder is a Child) may be required to produce to us satisfactory evidence as to your

identity, current permanent address, the source of the funds lodged or proposed to be lodged to the Account and your PPSN.

9.2 Before you pay money into or out of your Account in one of our branches, we can sometimes ask you to show us (and allow us copy) proof of your identity for example, a passport or photo driving licence. We do this in order to protect your Account from the risk of fraud.

10.0 Amendment of Terms & Conditions10.1 The Bank reserves the right at all times to introduce new

Terms and Conditions and to vary or amend the existing Terms and Conditions by giving notice thereof to the

Accountholder by whatever means the Bank, in its discretion deems appropriate, in which circumstances the Accountholder shall be free to dissolve this contract with the Bank and if so doing shall forthwith discharge all and any outstanding liabilities to the Bank in respect of the Account. In the absence of any prior notice to the contrary, the Accountholder will be deemed to have accepted such revised Terms and Conditions with effect from their notified effective date.

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Terms and Conditions – Young Savers Account

The Governor and Company of the Bank of Ireland (the “Bank”) is offering applicants who are 7-13 years of age, a bank account known as Young Savers account (the “Account”) subject to the Terms & Conditions set out hereunder:

1.0 Definitions1.1 The Young Savers account is referred to in these terms and

conditions as the “Account”.1.2 The person(s) in whose name(s) the Account is opened is

referred to as the “Accountholder”, which reference shall include the plural, where appropriate.

1.3 “Bank” means the Governor and Company of Bank of Ireland. The Bank’s Registered Number in Companies’ Office is C-1 and has its Registered Office at Head Office, 40 Mespil Road,

Dublin 4. 1.4 “Ireland” means the Republic of Ireland.1.5 “Banking Day” means the periods of time in any one day during which the Bank is open for business in Ireland, and “non-Banking Day” (i.e. Saturdays, Sundays and Bank Holidays) shall be construed accordingly.1.6 “Child” means a person under the age of 18 years.1.7 “Cut-Off Times” means the relevant point in time during any

Banking Day after which any payment or payment order received will be deemed to have been received on the next

Banking Day.1.8 “Sort Code” means the 6 digit number that identifies a particular

bank and bank branch within the Republic of Ireland.1.9 “Account Number” means the eight digit number that identifies

the Account.1.10 “BIC” means the 8 character Bank Identifier Code.1.11 “IBAN” means the 22 character International Bank Account

Number, which incorporates the Account Number and codes to identify the country, bank and branch of the Accountholder.

1.12 “Payment Instrument” means any personalised device or procedure made available by the Bank to the Accountholder which will allow the Accountholder execute a payment

transaction on the Account e.g. debit or ATM card and PIN or phone or online banking security devices.

1.13 “PSR” means the European Communities (Payment Services) Regulations 2009 and PSR regulated payments means any payments where the payment service providers of both the payer and payee are located within the EEA and where such payments are made in euro or any other EEA currency.

2.0 Interpretation2.1 These Terms and Conditions constitute the salient terms

applicable to the provision of the Account by the Bank. They do not comprise an exhaustive list and should be read in conjunction with and subject to relevant banking law and practice. Any reference herein to Terms and Conditions includes all of the terms, conditions and provisions contained herein.

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6.0 Express Lodgements6.1 When the Accountholder makes a lodgement with the Bank using the express lodgement facility provided at a Bank branch,

such lodgement shall consist only of cheques and/or banknotes. The value of banknotes which may be lodged shall

not exceed such aggregate amount as the Bank may notify from time to time by general notice to Accountholders or otherwise. Items to be lodged must be enclosed in the special

envelope available from branches of the Bank together with the appropriate lodgement docket.

6.2 The Bank is not deemed to have received any cash or other items in any such lodgement until the special envelope has been opened and the contents processed by the Bank or by any two persons authorised by the Bank or one authorised person whose operation is recorded by Closed Circuit Television camera and video equipment, to open the special envelope and process the contents and, until then, the contents remain at the risk of the Accountholder.

6.3 The Accountholder shall accept as conclusive in the absence of manifest error the testimony of any two persons authorised by the Bank who processed any such lodgement as to the amount contained in the special envelope. If any discrepancy shall

be discovered by the Bank or by any two persons authorised by the Bank to open the special envelope and process the contents, in the contents or details of any such lodgement, the relevant lodgement docket may be appropriately corrected by the Bank or by any such authorised persons and any correction so made shall be accepted as conclusive in the absence of manifest error by the Accountholder.

7.0 Disputed or Unauthorised Transactions7.1 The Accountholder must advise the Bank without undue delay,

and no later than thirteen (13) months after the transaction date, of any unauthorised or incorrectly executed transactions.

7.2 In the case of a dispute between the Accountholder and the Bank regarding a transaction, the books and records kept by or on behalf of the Bank (whether on paper, microfilm, by electronic recording or otherwise) shall, in the absence of manifest error, constitute sufficient evidence of any facts or events relied on by the Bank in connection with any matter or dealing relating to the Account.

7.3 In the event of an unauthorised transaction out of the Account, the Bank will, subject to 7.4 & 7.5 below, refund the amount of such unauthorised transaction and will restore the Account to the state it would have been in but for the unauthorised transaction.

7.4 Where such unauthorised transactions have resulted from the loss, theft or misappropriation of any Payment Instrument and where such loss, theft or misappropriation was reported to the issuer of the Payment Instrument without undue delay the Accountholder will be liable for such unauthorised transactions up to a maximum of €75.

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5.5 In respect of payments into the Account, (credit payments), the Account will, subject to applicable Cut-Off Times, be credited with the amount of any such payment on the same Banking Day as the payment is received by the Bank, save where the date of receipt is not a Banking Day in which circumstances the Account may not be credited until the next Banking Day. Further, the Bank reserves the right to deduct transaction charges from any credit payment prior to applying, or crediting, such payment to the Account.

5.6 In respect of any euro cash lodged to the Account by the Accountholder or any third party the Bank will ensure that the amount of such lodgement is credited to the Accountimmediately upon receipt of same by the Bank on any Banking Day.

5.7 The proceeds of any cheque lodged to the Account in any currency other than euro will be converted to euro at the exchange rate determined by the Bank on the date such transaction is credited to the Account. If the cheque is later returned unpaid, it will be converted to euro at the exchange rate determined by the Bank on the date such transaction is debited to the Account. The Bank will not be responsible for any losses incurred.

5.8 The Bank will at least annually, or at such other frequency as may be agreed with the Accountholder, provide or make available to the Accountholder a written receipt or record of Account (i.e. transaction receipt or statement) setting out the following details in respect of all account transactions;

(a) A reference enabling the Accountholder to identify each transaction;

(b) The amount of the transaction; (c) The amount of any charges applied to the transaction; (d) Where applicable, the exchange rate applied to the transaction; (e) The debit or credit value date of the transaction. The Bank may also, at its discretion, provide the above

information in respect of any transaction by way of an individual transaction receipt.

5.9 Hard and/or soft copy savings book/wallplanner and/or applications provided with the Account are provided to enable the Accountholder keep his or her own record of Account transactions. The Bank’s records are deemed to show the most accurate and up to date transaction history and balance in the account and in the event of a dispute between the records, the Bank’s records shall prevail.

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3.0 The Account3.1 Subject to these Terms and Conditions, the Bank agrees

to provide an Account to the Accountholder.3.2 With effect from the date on which the Accountholder, reaches

the age of 13, the Bank may on notice to the Accountholder convert the Account to a Second Level Student account. The converted account shall be subject to such terms and conditions as are communicated to the Accountholder in advance of the conversion. Delay or failure by the Bank to enforce its entitlements under this provision does not amount to a waiver thereof.

3.3 The Accountholder shall at all times be deemed to be the beneficial owner of any monies held in the account.

4.0 Maintenance of Account4.1 The Accountholder must operate the Account in credit at all

times.4.2 The Accountholder shall ensure that sufficient cleared funds are

maintained in the Account to meet any withdrawals.4.3 The proceeds of any cheque lodged to the Account may not be

withdrawn until the cheque has cleared. The Accountholder, at the discretion of the Bank, may lodge cheques to the Account that are payable to third parties. The Accountholder will be liable to the Bank for any losses incurred.

5.0 Account Transactions5.1 The Accountholder shall be responsible for ensuring the

correctness and accuracy of all payment orders to the Account and the Bank will have no obligation to check whether the name of the Account or other information provided with the payment order is correct.

5.2 The Accountholder agrees that any incoming payment to the Account made by either the Accountholder or a third party is determined solely on the basis of the Account Number and Sort Code accompanying the payment. Where the Account Number or Sort Code is incorrectly stated on a payment order by the Accountholder or a third party, the Bank shall have no liability for the non-execution or defective execution of the payment order to the Account.

5.3 Without liability, the Bank may refuse to act on any incoming or outgoing payment order if the payment order does not contain the BIC and IBAN, or Sort Code and Account Number, or any other necessary unique identifier of the beneficiary. In the event that the Bank refuses to process any such outgoing payment order, the Bank will advise the Accountholder accordingly.

5.4 If (a) a payment from your Account is PSR-regulated; and (b) we receive your payment instruction before the relevant cut-off time, we will process the payment from your Account on the banking day (“D”) that we receive it (unless you have requested that it should be paid on a date in the future). If the payment is in euro, we will ensure that the financial institution of the payee will receive the payment within one banking day of D (D+1). If it is a cross-border payment in Sterling, or other EEA Currency (non-euro), we will ensure that the financial institution of the payee will receive the payment within three banking days of D (D+3). The processing time for a paper account transaction will be an extra banking day ((D+2) and (D+4)). Any non-PSR-regulated payments may take longer to process.

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