Elevator Fixed Term Deposit Account - Business Banking - Bank of ...

businessbanking.bankofireland.com

Elevator Fixed Term Deposit Account - Business Banking - Bank of ...

Elevator Fixed

Term Deposit

Account


Take your business deposits to the next level

Our Elevator Deposit Account is designed to provide you

with flexible access to cash while also rewarding funds

lodged for the full six month term.

This fixed term deposit account includes the following

features:

Fixed Term Interest rate with 2 steps:

Step 1: a fixed Initial Rate for the first

3 months

Step 2: a fixed Elevated Rate for the

second 3 months

• Single lodgement: minimum €10,000, maximum

€2 million

• 6 month term

• Access to funds (50% of the amount lodged).

Specialist deposit services

At Bank of Ireland we specialise in providing customised

deposit services for businesses. Our network of Business

Advisers and Business Managers can offer tailored advice

and deliver effective solutions for all your deposit needs, so

you can stay focused on your business.

Talk to us today about tailored

deposit options for your business

Drop into your local branch

www.bankofireland.com

Bank of Ireland is regulated by the Central Bank of Ireland

and is a member of Bank of Ireland Group.


Terms and conditions - Elevator Fixed Term Deposit

Account

General Terms and Conditions Applicable to All Deposit Accounts

These General Terms and Conditions are applicable to all Deposit Accounts and are

to be read in conjunction with the Additional Account Specific Terms and Conditions

for your Account.

Interpretation

The General Terms and Conditions applicable to all Deposit Accounts along with

the Additional Terms and Conditions applicable to your Specific type of Account

constitute the salient terms and conditions applicable to the provision of the Account

by the Bank.

They do not comprise an exhaustive list and fall to 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.

Any references to legislation or tax in these terms and conditions are accurate as of

the print date and are subject to change. If there are any inconsistencies between

the General Terms and Conditions and the Additional Account Specific Terms and

Conditions, the Additional Account Specific Terms and Conditions will override the

General Terms and Conditions.

1.0 Definitions

1.1 “Account” means the Account(s) with us in your name as set out in the

Additional Account Specific Terms and Conditions;

1.2 “Accountholder” or “you” is the person in whose name the account is

maintained. Where the Account is opened in the name of more than one

person, any references to the “Accountholder” includes a reference to each of

such persons;

1.3 “Additional Account Specific Terms and Conditions” means the additional

terms and conditions that apply to the Account along with these General

Terms and Conditions, as amended, extended or replaced from time to time;

1.4 “Bank” “we” or “us” means The Governor and Company of the Bank of Ireland

having its Head Office at 40 Mespil Road, Dublin 4 and its successors and

assigns;

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.

2.0 Maintenance of the Account

2.1 The Accountholder must conduct the Account in credit at all times.

2.2 If an amount is debited or credited to your Account in error by the Bank, the

Bank may make any necessary correcting entry on your Account without the

need for the Accountholder’s approval.

2.3 If a credit to the Account is subsequently recalled or not credited by the paying

bank the Bank may make any necessary correcting reversal entry without the

Accountholder’s approval and the Accountholder will be liable to pay the Bank

any debit which may arise as a result.

2.4 Any correspondence or notices sent by the Bank to the Accountholder by post

to the last known address held by the Bank for the Accountholder, shall be

deemed to be received by the Accountholder two Banking Days after dispatch

by ordinary post, or immediately upon delivery by hand.

3.0 Identification and Account Opening

3.1 To ensure compliance with its obligations under law and regulations concerning

the prevention of money laundering and terrorist financing and to comply with

4.3 and 4.4 below you 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/Tax reference

number.

3.2 We reserve the right not to open an Account.

4.0 Deposit Account Interest

4.1 The Bank will pay interest in accordance with the Additional Account Specific

Terms and Conditions. Interest is subject to Deposit Interest Retention Tax

(DIRT) which the Bank will deduct at the prevailing rate.


4.2 Gross interest rates and equivalent annual rates (EARs) are quoted based on a

365 day calendar year.

4.3 Details of interest paid, along with details of the person to whom the interest is

paid, may be reported to the Revenue Commissioners, in accordance with the

requirements of s891B of the Taxes Consolidation Act, 1997.

4.4 For Customers who are not resident in Ireland but are resident in a Member

State of the EU or one of the reportable territories, the Bank must disclose to

the Irish Revenue Commissioners, details of the Customer’s identity, address

and interest paid to the Customer, in accordance with the requirements of

Chapter 3A of the Taxes Consolidation Act, 1997 (Implementation of EU

Savings Directive).

5.0 Non-Residents

5.1 In order for Non-Resident personal Accountholders to avail of an exemption

from DIRT, a minimum balance (inclusive of accrued interest) of €6,500 must

be maintained at all times. An appropriate Revenue non-resident declaration

form must also be fully completed by the individual(s) within prescribed time

limits. Where the balance falls below the minimum requirement, the Account

will be subject to DIRT. The Bank shall advise you in writing in the event of this

occurrence.

6.0 Amendment of Terms & Conditions

6.1 The Bank reserves the right at all times to introduce new Terms and

Conditions, to include new fees and charges, and to vary or amend the

existing Terms and Conditions, to include existing fees and charges, by

giving notice thereof to the Accountholder by whatever means allowed by

law or regulation 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.

6.2 The Bank reserves the right at all times to vary any and all applicable interest

rates by giving notice thereof to the Accountholder by whatever means allowed

by law or regulation the Bank, in its discretion deems appropriate, save where

the variation is to the benefit of the Accountholder in which circumstances

the Bank may implement such variation with immediate effect and notify the

Accountholder thereafter.

7.0 Waiver

7.1 No time or indulgence that we may extend to you and no waiver by us of any

breach of any term or condition of these Terms and Conditions shall affect our

rights and powers under the Terms and Conditions.

8.0 Joint Accounts and Joint and Several Liability

8.1 Where the Account is opened in the name of more than one person the

agreements, obligations, indemnities and liabilities of such persons herein

contained are joint and several.

9.0 Indemnity

9.1 You shall hold us harmless from any loss or damage suffered by any person as

a result of your breach of any of the Terms and Conditions.

10.0 Severance

10.1 Each of the provisions of the 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 provisions of the Terms and

Conditions shall not in any way be affected or impaired.

11.0 Jurisdiction

11.1 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 herewith.

12.0 Termination

12.1 The Accountholder may terminate this contract at any time on notice to the


Bank. A funding loss charge and/or default interest rate may apply for early

withdrawal before the maturity of the Account where applicable. Details can be

found in the Additional Account Specific Terms and Conditions of your Account

included herewith, if applicable.

12.2 The Bank may terminate this Agreement at any time on 2 months notice to the

Accountholder.

12.3 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.

13.0 Making a Complaint

13.1 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 of Ireland branch where the problem arose,

either in person or over the phone to the branch customer service manager

(or any member of staff) or in writing to the branch customer service manager.

Alternatively, the account holder may make the complaint to the Bank’s

Customer Care Unit by phoning 1850 753 357 on a Banking Day between

9.00am and 5.00pm (+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.

(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 referred to the Financial Services Ombudsman, 3rd Floor,

Lincoln House, Lincoln Place, Dublin 2.

Lo Call: 1890 88 20 90, Telephone: +353 1 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 and is a member of

the Bank of Ireland Group.


Additional Account Specific Terms and Conditions for the Elevator Account

(“the Account”)

These Additional Account Specific Terms and Conditions are to be read in

conjunction with the General Terms and Conditions applicable to all Deposit

Accounts (“Terms and Conditions”).

If there are any inconsistencies between the General Terms and Conditions and

the Additional Account Specific Terms and Conditions, Additional Account Specific

Terms and Conditions will override the General Terms and Conditions.

1.0 Definitions

These Definitions are to be read in conjunction with the Definitions in the General

Terms and Conditions applicable to all Deposit Accounts.

1.1 “Term” is the duration of the Account which is 26 weeks

1.2 “Maturity” means the expiry of the Term of the Account.

1.3 “Initial Rate” is the fixed interest rate applied for the first 13 week period of the

Account (weeks 1-13 inclusive)

1.4 “Elevated Rate” is the fixed interest rate that is applied for the second 13 week

period of the Account (weeks 14-26 inclusive)

2.0 Interest

2.1 The interest rate applied to the Account is stepped as described in the next

clause but is otherwise fixed for the duration of the Term.

2.2 A stepped interest rate structure will apply to the Account. The stepped

interest rate structure comprises two parts – the Initial Rate and the Elevated

Rate. The Elevated Rate will be 1% higher than the Initial Rate. Details of

applicable interest rates are available from Bank of Ireland branches.

2.3 Interest is calculated and accrued each day based on the balance in the

Account.

2.4 Accounts are intended to be held for the full Term, subject to the provisions in

respect of withdrawals set out in clause 4.1 below.

2.5 Interest is paid at the end of the Term.

2.6 The Accountholder may choose to have interest, which is paid at the end of the

Term added to the balance of the Account or lodged to another Bank of Ireland

Account nominated by the Accountholder.

2.7 Statements on the Account will issue annually except where the balance is

below €20 and has been below this threshold amount for a full year (52 week)

period.

3.0 Lodgements

3.1 The minimum lodgement to an Account is €10,000. The maximum is €2 million.

3.2 The deposit must be made at the beginning of a Term. You can make only one

lodgement to the Account.

4.0 Withdrawals

4.1 The Accountholder can make one single withdrawal during the Term. The

maximum amount of the withdrawal shall be 50% of the Account balance. No

further withdrawals are permitted.

4.2 Only cleared balances may be withdrawn. Withdrawals using an ATM card,

Standing Order and Direct Debit facilities are not available with this Account.

4.3 The proceeds of any cheque lodged to an Account may not be withdrawn until

the cheque has cleared.

4.4 If your Account balance falls below the minimum €10,000 (except where

the Accountholder has affected a withdrawal in compliance with clause 4.1),

your Account may be converted to a Variable Rate Call Account - which is a

standard Demand Deposit Account. The funds will then receive the prevailing

rate for that Account.

4.5 In exceptional circumstances, and at the sole discretion of the Bank, full

withdrawal and closure of the Account may be permitted prior to Term Maturity.

The cleared balance of your Account as at the date of closure will be repaid

to you together with interest (if any) and less any DIRT outstanding and any

outstanding liabilities owed to us in respect of your Account.

5.0 Cooling off period

5.1 The Accountholder may avail of a “Cooling off Period”. No charge will apply

if, within 14 calendar days of the opening date, the Account is closed at the

request of the Accountholder. The standard rate of DIRT will apply.


6.0 Maturity

6.1 At Term maturity, unless the Bank receives instructions from the Accountholder

on or before the final day of a Term, we will automatically transfer the balance

of the Account to the Variable Rate Call Deposit Account.

6.2 Any funds transferred to the Variable Rate Call Deposit Account (as per clause

6.1 above) are subject to the General Terms and Conditions applicable to

all deposit accounts, along with the Additional Account Specific Terms and

Conditions of the Variable Rate Call Deposit Account.

6.3 The prevailing interest rate for the Variable Rate Call Deposit Account will apply.

Details of all applicable interest rates are available from any Bank of Ireland

branch.

6.4 Terms and conditions of the Variable Rate Call Deposit Account, as at May

2011, are included herewith.

7.0 DIRT

7.1 The standard rate of DIRT will apply for this Account. This DIRT rate is subject

to change.

Bank of Ireland is regulated by the Central Bank of Ireland and is a member of the

Bank of Ireland Group.


Additional Account Specific Terms and Conditions for the Variable Rate Call

Deposit Account (“the Account”)

These Additional Account Specific Terms and Conditions are to be read in

conjunction with the General Terms and Conditions applicable to all Deposit

Accounts (“Terms and Conditions”).

1.0 Definitions

These Definitions are to be read in conjunction with the Definitions in the General

Terms and Conditions applicable to all Deposit Accounts.

1.1 “Account Number” means the 8 digit number that identifies the Account;

1.2 “BIC” means the Bank Identifier Code;

1.3 “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;

1.4 “IBAN” means the International Bank Account Number, which incorporates the

Account Number and codes to identify the country, bank and branch of the

Accountholder;

1.5 “Ireland” means the Republic of Ireland;

1.6 “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;

1.7 “Sort Code” means the 6 digit number that identifies a particular bank and bank

branch within the Republic of Ireland.

2.0 Maintenance of Account

2.1 Subject to these Terms and Conditions, we agree to provide an Account in your

name. You must operate the Account in credit.

2.2 In respect of payments out of the Account, (debit payments), the date of receipt

of such payment orders (“D”) will, subject to applicable Cut-Off Times, be that

Banking Day where the payment order is received by the Bank. The Bank will

process all payment orders received such that the beneficiary bank will be

credited within three (3) Banking Days of the date of receipt by the Bank of said

payment order (D+3). With effect from January 1, 2012 the Bank will process

all payment orders received such that the beneficiary bank will be credited

within one (1) Banking Day of the date of receipt by the Bank of said payment

order (D+1).For paper initiated payment transactions, the above referenced

processing periods are extended by a further Banking Day[(D+4) and (D+2)].

The above referenced transaction processing times apply only to PSR regulated

payments and any non-PSR regulated payments may take longer to process.

2.3 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.

2.4 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 Account immediately upon receipt of same by the Bank on any Banking

Day.

2.5 You must ensure that sufficient cleared funds are maintained in the Account to

meet any withdrawals.

2.6 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.

2.7 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.

2.8 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 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.

2.9 Statements on the Account will issue annually except where the balance is

below €20 and has been below this threshold amount since the previous

statement was issued.

3.0 Deposit Account Interest

3.1 The interest rate structure on the Account is tiered which means that the rate

increases as the balance in the Account increases and reduces if the balance

reduces within the set tiers.

3.2 The rates of interest on the Account are variable. Details of current rates are

available from any Bank of Ireland Branch.

3.3 Interest is calculated each day based on the balance in the Account using the

then prevailing interest rate. Interest is typically paid annually in March.

3.4 Any change to the interest rates being applied to the Account will be notified to

you by whatever means the Bank, in its discretion, deems most appropriate.

4.0 Account Transactions Fees, Lodgements & Withdrawals

4.1 Transactions on the Account include lodgements and withdrawals. Withdrawals

using an ATM card, Standing Order or Direct Debit facilities are not available on

the Account.

4.2 No transaction fees are applied by the Bank for lodgements to or withdrawals

from the Account.

4.3 The Bank may apply transaction fees to the Account in the future, without prior

consultation with the Accountholder, and subject to approval by the relevant

regulatory authority and reasonable notice to the Accountholder.

4.4 Withdrawals and lodgements can be made on any Banking Day.

5.0 Disputed or Unauthorised Transactions

5.1 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.

5.2 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.

5.3 In the event of an unauthorised transaction out of the Account, the Bank

will 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.

5.4 Notwithstanding the provisions of 5.3 above, 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.

5.5 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.

5.6 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.

Bank of Ireland is regulated by the Central Bank of Ireland and is a member of the

Bank of Ireland Group.

Information about your Distance Contract pursuant to the European

Communities (Distance Marketing of Consumer Financial Services)

Regulations 2004


About us

The Elevator account and the Variable Rate Call Deposit account (together the

Accounts”) are offered by the Governor and Company of the Bank of Ireland (the

Bank” or “Bank of Ireland”). The principal business of the Bank is the provision of

retail financial services to customers. The Bank’s Registered Office and Head Office

is at 40 Mespil Road,Dublin 4. The registered number of Bank of Ireland in the

Companies’ Office is C-1 and the Bank’s VAT number is IE8Y42002P.

If you wish to contact the Bank in connection with the Account, please write to the

Bank of Ireland branch where you opened the Account.

Bank of Ireland is regulated by the Central Bank of Ireland and is a member of the

Bank of Ireland Group.

Description of Financial Service – The Elevator Account

The financial service being supplied by Bank of Ireland is the Elevator Account.

A minimum lodgement of €10,000 is required to open the account. Maximum

lodgement amount is €2,000,000. Only one lodgement is allowed and this

lodgement should be made at account opening. You may withdraw 50% of your

account balance in one single transaction during the term. A stepped interest rate

structure will apply to the Account. The stepped interest rate structure comprises

two parts – the Initial Rate which applies to the account for the weeks 1-13 and

the Elevated Rate for weeks 14-26. The Elevated Rate will be 1% higher than the

Initial Rate. Details of applicable interest rates are available from Bank of Ireland

branches. Interest is calculated each day based on the balance in the account.

Interest accruing on the account shall be paid after the deduction of Deposit

Interest Retention Tax (“DIRT”). Currently there are no other taxes or charges

applying to the account but this is subject to change - please see the enclosed

terms and conditions. At maturity of the account, unless the Bank receives written

instructions from the accountholder on or before the final day of the Term, funds will

automatically transfer to the Variable Rate Call Deposit Account.

Variable Rate Call Deposit Account

The financial service being supplied by Bank of Ireland is a Variable Rate Call

Deposit Account. A minimum lodgement of €1 is required to open the Account. The

rate of interest applicable to the Account is a variable rate. Details of the current

interest rates are available in any Bank of Ireland branch. Interest is calculated each

day based on the balance in the Account using the then prevailing interest rate.

Interest is typically paid once a year in March. Interest accruing on the Account shall

be paid after the deduction of DIRT. No transaction fees are applied by the Bank for

lodgements to or withdrawals from the Account.

Your right to cancel

You may cancel the Account under the European Communities (Distance Marketing

of Consumer Financial Services) Regulations, 2004 (the “Regulations”) within 14

calendar days of the opening of the Account by sending a notice in writing to your

Account opening branch. Any credit amount in the Account and interest due at

the date of cancellation will be returned to you. You have the option to close the

Variable Rate Call Deposit Account at any time by sending a notice in writing to your

account opening Bank of Ireland branch. The cleared balance of your Variable Rate

Call Deposit Account as at the date of closure will be repaid to you together with

interest (if any) and less any DIRT outstanding and any outstanding liabilities owed to

us in respect of your Account.

Governing law and language

The Account will 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 with the Account. The English language will be used for

the purpose of interpreting the terms and conditions of the Account and for all

communication in connection with the Account.


Making a complaint

If you are not happy with any aspect of our service or products, you can let us know

by contacting your account opening Bank of Ireland branch. If you are not satisfied

with the response you receive from your branch, you can contact our dedicated

Customer Care Unit by writing to Customer Care Unit, Bank of Ireland Head Office,

40 Mespil Road, Dublin 4, or phone: 1850 753 357 (lines open Mon-Fri 9am-5pm)

or +353 1 661 5933 (from abroad). We always do our best to find a satisfactory

resolution to your complaint. However, if you are not satisfied with the outcome,

you can make a complaint to the Financial Services Ombudsman, by writing to the

Financial Services Ombudsman, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2.


www.bankofireland.com

37-1077R (05/11)

More magazines by this user
Similar magazines