Terms and Conditions - Bank of Ireland 365
phone and online banking services

1    Definitions

1.1    "Account" means any account or accounts designated in pounds sterling held by the Bank in            Northern Ireland or Great Britain in the name of the Customer(s) in respect of which the            services (as defined below) are available.

1.2    "Bank" means the Governor and Company of the Bank of Ireland having its head office at 40 Mespil            Road, Dublin 4, Ireland.

1.3     "Banking Day" or "Banking Day of Access" means the periods of time in any day during which,           (1) where the Customer account is domiciled in Great Britain, the Bank is generally open for           business in Great Britain, and (2) where the Customer account is domiciled in Northern Ireland,           the Bank is generally open for business in Northern Ireland and "non-Banking Day" shall be           construed accordingly.

1.4    "BIC" means Bank Identifier Code.

1.5    “IBAN” means the International Bank Account Number.

1.6    "365 phone" means the Bank's telephone banking service for personal customers.

1.7    "365 online" means the Bank's electronic banking service (accessible by means of the Internet)           for personal customers.

1.8    "Designated Accounts" means the Accounts and Third Party Accounts nominated by the           Customer for the purpose of executing a funds transfer. The categories of information           required in respect of these Accounts are as prescribed by the Bank from time to time. The           Customer acknowledges that certain Accounts may not be suitable for categorisation as Designated           Accounts.

1.9    "Domestic Payment" means a payment in sterling within the UK.

1.10    "Future Dated Payment" means requests for the funds transfer/bill payment service to             Designated Accounts where the request for the service is made in advance of the requested             date of payment.

1.11    "One Time Activation Code" ("OTAC") means a unique seven (7) digit activation code sent by the             Bank to the Customer required to set up certain Services.

1.12    "365 PIN" means the unique Personal Identification Number which the Bank will provide to             the Customer as a means of accessing the Services.

1.13    "UK" means the United Kingdom of Great Britain and Northern Ireland.

1.14    "User I.D." means a unique identification code supplied by the Bank to the Customer.

1.15    "Security Devices" means those security devices (or a combination of them) (as may be            amended by the Bank from time to time) required for access to the Services and currently            including the 365 PIN, OTAC, User I.D. and Customer password information.

1.16    "Services" includes any one or more of the following:

(a) information on Account balances;

(b) information on Account transactions;

(c) view, cancel or amend standing orders on an Account;

(d) cancel direct debits on an Account;

(e) cheque search from the last statement date on a Current Account;

(f) domestic funds transfer between Designated Accounts in the UK

(g) payment of those categories of bills in respect of which

     the Customer has effected registration with the Bank as listed at Clause

     3.2 of these Terms and Conditions (which may be amended or extended by

     the Bank from time to time) (the "Bill Payment Service");

(h) statement request in respect of Current, Savings and/or Loan Accounts;

The Services may be altered by the Bank from time to time at its discretion

1.17   "Third Party Account(s)" means the account(s) of a third party to which the Customer wishes to             make a payment/deposit.

1.18   "PSR" means The Payment Services Regulations 2009

1.19   "Cut-Off Time" means 5pm on any Banking Day. Any payment instruction received after 5pm on a             Banking Day will be deemed to have been received on the next Banking Day.

2   Accounts

2.1   The Bank is offering the Services to those of its personal customers (the "Customers" and each a         "Customer") who hold an Account(s) subject to the terms and conditions set out hereunder, as same         may be amended or varied from time to time (the "Terms and Conditions"). Usage of the Service         indicates the Customer's agreement to be bound by the Terms and Conditions.

2.2   It is a pre-condition to the provision of the Services (other than the viewing of         statements/transactions on Credit Card accounts) that:

(a) the Customer is the legal and beneficial holder of the Accounts;

(b) the Bank has been provided with an authority from the customer ("Mandate") to operate the Accounts.

To the extent to which the provision of the Services (or any of them) necessitates an alteration or amendment of the terms of the Mandate, the terms of the Mandate are hereby deemed to be amended to that extent only. The Bank shall not be responsible for verifying the existence or the terms of the Mandate.

2.3   The Customer may access the Services on authentication of the 365 PIN provided by the Bank.

3   Domestic Funds Transfer/Bill Payment Service

3.1   Registration for domestic funds transfer/bill payment service shall be in the manner prescribed         by the Bank from time to time, and the record maintained by the Bank of the registration, or         instructions which have been (or reasonably appear to the Bank to have been) issued by the         Customer to amend the registration, shall be prima facie evidence of such registration. Previous         use of the Services by the Customer to authorise a domestic payment transfer will constitute         relevant authority in respect of such accounts.

3.2   The list of accepted recipients for the Bill Payment Service is as set out hereunder (this list may          be amended by the Bank from time to time on notice to the Customer):

Bank of Ireland MasterCard

Bank of Ireland Visa

Northern Ireland Electricity

         Where the Bank is not a party to the provision of any of the above services by the service provider          any and all inquiries and/or disputes in respect of those services should be directed by the Customer          to the relevant service provider. Queries in respect of credit cards and charge cards should be          directed to the relevant card issuer.

3.3   The Bank may refuse to act on any Instruction (as defined in Clause 5.1 below) without liability to          the Customer where sufficient cleared funds are not available or where an agreed overdraft          facility is not in place on the Account (where applicable) or where such overdraft facility (if in          place) would be exceeded if the Bank acted on the Instruction.

3.4   Customers may register to effect payments by means of a funds transfer to Designated          Accounts (other than the list set out at 3.2 above) within the UK. Payments will not be permitted          to a new Designated Account until such registration is verified by means of an OTAC issued by the          Bank to the Customer.

3.5   Funds transfers are not permitted from Loan Accounts or from Credit Card Accounts. Where a          funds transfer is made to a Loan Account the resultant balance on the Loan Account may not be          taken as conclusive evidence between the Bank and the Customer of the state of the Loan Account.          The Customer accepts that where conclusive evidence of the state of the Loan Account is sought          he/she must contact his/her branch of the Bank to ascertain the correct balance.

3.6   Domestic funds transfers to Designated Accounts are subject to transaction and other limits.          Details of these limits are available from the Bank and may be altered by the Bank at its          discretion from time to time.

3.6.1   Where Future Dated Payments are requested they shall be processed according to date order.          Where two or more Future Dated Payments are requested for the same date they shall be          processed in the order in which they were requested by the Customer.

3.7   Whilst customers may send instructions to the Bank 24 hours a day, every day of the year, in          respect of payments out of an Account,(debit payments), the date of receipt of such payment          instructions("D") will be that Banking Day where the payment instruction is actually received by          the Bank prior to the cut-off time. The Bank will process all payment instructions 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 instruction(D+3). With effect from January 1, 2012 the Bank will process all          payment instructions 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 instruction (D+1). The above referenced          transaction processing times apply only to PSR regulated payments and any non-PSR          regulated payments may take longer to process.

3.8   Notwithstanding the provisions of 3.7 above, where the beneficiary bank is the Bank, all such          payment instructions will be processed on the same Banking Day.

4   Security/Authentication

4.1   The Bank will provide the Customer with a 365 PIN, which must be provided on request and in the          form requested on each occasion the Customer accesses the Services. In addition, the User I.D.          must be provided where relevant and additional security questions may be posed by reference to the          password information provided by the Customer to the Bank for this purpose. Any further Security          Devices prescribed by the Bank from time to time must also be furnished, as required by the Bank.

4.2   The Customer:

(a) must keep secret the Security Devices;

(b) must not record them or hold them in a form or manner which would be intelligible  or otherwise accessible to an unauthorised person; and

(c) must notify the Bank without delay (telephone: 08457 365333 (GB) or 08457365 555 (NI)) should the Customer either suspect or become aware that the Security Devices (or any of them) have become known or available to an unauthorised person.

5   Acting on Instructions

5.1   The Customer irrevocably authorises the Bank to act upon all instructions received in respect of          the Services (once accompanied by the appropriate Security Device(s)) which have been or          appear to the Bank to have been issued by the Customer, without taking any further steps to          authenticate such instructions ("the Instructions" and each an "Instruction").

5.2   All debiting Instructions shall constitute a liability of the Customer. The Bank may refuse to act on any          Instruction if the Instruction does not contain the IBAN and BIC number, 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 Instruction, the Bank will advise the Customer accordingly. The Customer          may cancel or amend any Instruction given pursuant to these Terms and Conditions provided that          the Instruction has not already been effected by the Bank.

6   Joint Accounts

6.1   Instructions for joint accounts may be given by any of the accountholders although each          accountholder must register separately and apply for his/her own individual 365 PIN and User I.D.

6.2   Where the Customer comprises of more than one person, each such person agrees to be          jointly and severally liable for all monies due or liabilities incurred arising from any Instructions          given pursuant to these Terms and Conditions.

6.3   Any and all covenants, agreements, indemnities and provisions in these Terms and Conditions          shall have effect as if they were joint and several covenants, agreements, indemnities and          provisions by any such persons.

7   Recording

7.1   The Bank shall record Instructions received by way of the Services and, in the event of any          dispute arising in relation to any Instructions or alleged Instructions, the record so kept by the          Bank shall be prima facie proof of such Instructions or alleged Instructions for the purpose of          determining such dispute.

8   Information on Account Balances

8.1   The Customer accepts that information on account balances (other than Visa and MasterCard          Accounts) on the Banking Day of Access is comprised of:

(a) the balance as at close of business on the Banking Day prior to the

      Banking Day of Access; and

(b) all cheques due for value on the Banking Day of Access, standing orders,

      all automated debits and credits due for value on the Banking Day of

      Access, and debits and credits made by use of Branch terminals and the

      ATM network or any other electronic money transfer system.

All transactions included under paragraph (b) above are for information purposes only

and the Customer hereby acknowledges that their status will not be confirmed until

close of business on the Banking Day of Access.

8.2   The Customer accepts that information on account balances for Bank of Ireland Visa and          MasterCard Accounts consists of the balances set at close of business on the Banking Day          prior to the Banking Day of Access.

8.3  The information available by means of the Services (where applicable) shall not be taken as         conclusive evidence between the Bank and the Customer of the state of the Accounts and while the         Bank shall use all reasonable endeavours to ensure the accuracy and completeness of all such         information, the Bank shall not be liable for any loss incurred or damage suffered by the Customer by         reason or in consequence of any such information.

9   Direct Debits

9.1   The Customer may request the cancellation of any direct debit set up on an Account at any          time. The Customer is responsible for ensuring that any such cancellation Instruction is issued          in good time and the Bank shall have no liability to the Customer in respect of any payment          made by the Bank on foot of a valid direct debit mandate where the Instruction to cancel the said          mandate was not received by the Bank at any time up to and including the day the item has been          paid.

10   Charges

10.1  The Bank may decide (subject to appropriate regulatory approval) to introduce a charge for operating           the Services. Notice of the introduction of such a charge will be given to Customers by whatever           means allowed by law or regulation the Bank in its discretion deems appropriate before the charges           take effect. Unless the Customer advises otherwise, the Bank will debit the Customer's current           account with any charges for Services should such charges be introduced.
          In such circumstances the Customer shall be free to dissolve this contract with the Bank and in so           doing shall forthwith discharge all and any outstanding liabilities to the Bank. In the absence of any           prior notice to the contrary, the Customer will be deemed to have accepted such revised Terms and           Conditions with effect from their notified effective date.

10.2  Where applicable, standard Bank charges will be levied in respect of individual           transactions/services in accordance with the Bank's then current schedule of fees and charges.           Details of these fees and charges are as set out in the Bank’s Schedule of Fees and Charges           which are available from any branch of the Bank and on www.bankofireland.co.uk (N.I) or           www.bank-of-ireland.co.uk (GB).

11   Alterations

11.1  These Terms and Conditions, the available Services, and any associated limits or requirements,           may be altered by the Bank at its discretion from time to time and will be altered by the Bank to           comply with any regulatory directive or to enhance the security of the Services provided. Any such           alteration shall become effective 2 months after notice of such alteration has been provided to the           Customer by whatever means allowed by law or regulation the Bank, in its discretion, deems           appropriate. In such circumstances the Customer 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 the           absence of any prior notice to the contrary, the Customer will be deemed to have accepted such           revised Terms and Conditions with effect from their notified effective date.

12   Limitation of Liability

12.1  The Bank shall not be liable for any delays, interruptions, errors or failures in the provision of           the Services not within the reasonable control of the Bank including force majeure, those           caused by failure or fluctuation of electrical power, industrial action, industrial disputes,           breakdown or other malfunctions of the Customer's or the Bank's telephone or other technical           equipment, including software. Additionally, the Bank shall not be liable, either in contract or in           tort, for any loss or damage claimed to have arisen as a result of the non-availability, non-          functioning or malfunctioning of the Services or otherwise in connection therewith.

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

12.3  Where any transaction is effected by the Bank in accordance with any unique identifier (sort           code, account number, IBAN or BIC) as supplied by the Customer but where the unique           identifier supplied is incorrect the Bank shall have no liability to the Customer 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 Customer in respect of all reasonable costs           incurred in recovering the funds on behalf of the Customer.

12.4  Subject to the Customer's full compliance with these Terms and Conditions, the Bank shall           accept liability for the non-execution or defective execution of a funds transfer between           Designated Accounts or other bill payment, limited to the amount of the unexecuted or           defectively executed transaction.

13   Customer Liability

13.1  The Customer must advise the Bank without undue delay, and no later than thirteen (13)           months after the transaction date, of any unauthorised transaction.

13.2  In the event of an unauthorised transaction out of an Account, the Bank will, subject to 13.3 &           13.4 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.

13.3  Where such unauthorised transactions have resulted from the loss, theft or misappropriation of           the Security Devices or any of them and where such loss, theft or misappropriation was           reported to the Bank without undue delay the Customer will be liable for such unauthorised           transactions up to a maximum of £50.

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

13.5   The Bank shall have no liability whatsoever in respect of any loss or damage suffered by any person            as a result of the Customer's breach of any of these Terms and Conditions.

13.6   Without prejudice to the generality of the above, the Bank shall have no liability whatsoever in            respect of any loss suffered by the Customer as a result of their breach of Clause 4 by way of            knowingly, negligently or recklessly disclosing the Security Devices or any of them.

14   Severance

14.1  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           provisions of these Terms and Conditions shall not in any way be affected or impaired.

15   Waiver

15.1  No time or indulgence which the Bank may extend to the Customer nor any waiver by the Bank           of any breach by the Customer of any provision of these Terms and Conditions shall affect the           Bank's rights and powers there under.

16   Jurisdiction

16.1  The Terms and Conditions shall be governed by and construed in accordance with the laws of           England & Wales. For the benefit of the Bank, the Customer hereby submits to the jurisdiction           of England & Wales in relation to any claim or proceedings under the Conditions of Use. Where           the account is held in Northern Ireland, the Conditions of Use shall be governed by the Laws of           Northern Ireland and the Courts of Northern Ireland will have jurisdiction. Where the account is           held in Scotland, the Conditions of Use shall be governed by Scottish law and the Scottish           Courts will have jurisdiction. The Customer further irrevocably submits to any other jurisdiction           in which it has assets and hereby waives any objections to any claim that any suit, action or           proceedings have been brought in an inconvenient forum.

17   Termination

17.1  The Customer may terminate this Agreement at any time on notice to the bank.

17.2  The Bank may terminate this Agreement at any time on two months notice to the Customer.

17.3  In addition to the right to terminate as set out above, and without any liability to the Customer,           the Bank reserves the right to block the use or operation of the Services in circumstances          where;

(a)          there is a reasonable suspicion of unauthorised or fraudulent activity; or

(b)          there has been a breach of these terms and conditions by the Customer.

17.4  The Bank may terminate this Agreement or block the use or operation of the Services           immediately on the death, bankruptcy or other act of insolvency of the Customer or in the event           of the Customer having failed security checks in a manner which the Bank deems           unacceptable.

Terms and Conditions applicable to 365 online only
In addition to the general Terms and Conditions above, the following Terms and Conditions also apply to the Services provided by 365 online:

18   Funds Transfer/Payments Timing

18.1  The Customer avails of the funds transfer and/or Bill Payment Service in the knowledge that           Instructions are only effective at the time of their receipt by the Bank and that there may be a           time lag between the transmission of Instructions over the Internet and their receipt by the Bank. 18.2  Customers may register to effect payments by means of a funds transfer to Designated           Accounts (other than the list set out at 3.2 above) within the UK. Payments will not be permitted           to a new Designated Account until such registration is verified by means of an OTAC issued by           the Bank to the Customer.

19   Standing Orders

19.1  The Customer may register to set up standing orders on any Account which is a current           account. Any such newly registered standing order will not be activated until such registration is           verified by means of an OTAC issued by the Bank to the Customer.

19.2  The Customer may request the amendment or cancellation of any standing order set up on an           Account at any time. The Customer is responsible for ensuring that any such amendment or           cancellation Instruction is issued in good time and the Bank shall have no liability to the           Customer in respect of any payment made by the Bank on foot of a valid standing order           mandate where the Instruction to amend or cancel the said mandate was not received by the Bank           at any time before the end of the working day preceding the date on which the funds are being           debited from your account.

20   Suitable Facilities

20.1  The Customer will, at the Customer's own expense, provide and maintain facilities suitable for           gaining access to the Services (as communicated by the Bank to the Customer from time to           time).

21   The Bank's Website

21.1  The information provided on the other page(s) of the Bank's Website is not intended to           constitute an offer or solicitation of investment, financial or banking services to Customers and           is provided for information purposes only.

21.2  The Bank claims copyright over the information contained in and the contents of its Website           pages, which may not be copied, transmitted, converted, transcribed or reproduced without the           prior written consent of the Bank.

22   Security

22.1  While all reasonable security precautions have been taken by the Bank, the nature of           communication by the Internet is such that the Bank cannot guarantee the privacy or           confidentiality of any information relating to the Customer passing over the Internet. In           accessing the Bank of Ireland Website and in availing of the Services, the Customer accepts           that electronic mail messaging may not be free from interference by third parties and may not           remain confidential. The use of the Bank's Website is at the Customer's sole risk.

          We are members of the Financial Ombudsman Service and subscribe to the Banking Code.           Copies of the Code are available on request.

          If you are not satisfied with any aspect of our service or products please contact your           Relationship Manager or Customer Service Manager directly. They will be pleased to help you           and explain our complaints procedure in more detail. A copy of our complaints procedure is           available on request

          Bank of Ireland - incorporated in Ireland with limited liability. Authorised by the Financial           Regulator in Ireland and by the Financial Services Authority; regulated by the Financial Services           Authority for the conduct of UK business.