Notice to Customers

Account Gross * % AER %
Variable Accounts    
Premium Demand Account 3.10** 3.10**
Easy Access Account 1.50 1.50
7 Day Notice Account ^ 1.60 1.60
30 Day Notice Account ^ 1.75 1.75
Interest credited to the account annually on the 31st December
Regular Annual Saver Account (Variable) ^
Regular Annual Saver Account ^ 4.00 4.00
^ Please note: this account is now closed for new applications.
Account Gross * % AER %
Fixed Rate Accounts
Fixed Term Reward Accounts    
1 Year Fixed Term Reward Account 3.50 3.50
Short Term Fixed Accounts*
3 months 0.63% Gross/AER fixed. Rate quoted is an annual rate; return will be based on 3 month equivalent.
6 months 1.75% Gross/AER fixed. Rate quoted is an annual rate; return will be based on 6 month equivalent.
Interest credited to the account after final maturity
Medium-Long Term Fixed Accounts*
1 Year 2.00 2.00
2 Years 4.55 2.25
3 Years 6.90 2.25
4 Years 12.55 3.00
5 Years 15.93 3.00

Interest rates quoted do not form the basis of a contract.

AER = Annual Equivalent Rate

*Gross returns are subject to DIRT (currently 25%), where appropriate. Terms and conditions apply.
Interest is calculated on the closing balance each day. Interest on our fixed term accounts is added on the account maturity date. Interest on our notice accounts (easy access, 7 day notice & 30 day notice) is added on the last working day in December or when the account is closed.

** Bonus rate of 3.10% gross/AER variable (with a minimum ECB +0.5% rate guarantee until 1st January 2011) is applied to accounts with balances up to and including €100,000. Standard variable rate of 2.80% (with a minimum ECB rate guarantee until 1st January 2011) applied to accounts with balances greater than €100,000. (From 1st January 2011, the prevailing rate will apply.) Returns are subject to DIRT, where appropriate.