Important Notice

Please read carefully the terms of this notice which shall apply in respect of the use of this website provided by Ulster Bank Ireland Limited ("UBIL"), 'we' or 'us'). Unless otherwise specified, this Site and its contents are intended for clients or proposed clients of UBIL and not for any other person.

The distribution of material on this Site may be restricted by the laws or regulations of the country from which you are accessing this Site. Where such restrictions exist persons accessing this Site must inform themselves about, and observe, any such restrictions.

This Site and its contents have not been prepared with any specific investment objective, financial situation or particular need of any specific recipient in mind. The contents are published solely for information purposes and are not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. All the information, including opinions, charts, indicative rates, calculation tools and reports, has been compiled or arrived at by UBIL from sources believed to be reliable, but UBIL does not accept any liability for any loss arising from its use and makes no representation as to its accuracy or completeness. Any opinion expressed within this Site is subject to change without notice and UBIL is not under any obligation to update or keep the information current. You are reminded that the contents of this Site should not be relied upon as up to date or current and should not be used in substitution for the exercise of independent judgement. You should read and consider carefully any disclosures or disclaimers made within this Site.

Any opinions constitute our judgement as of the date indicated and nothing contained in this Site constitutes investment advice or an assurance or guarantee as to the expected outcome of any strategy. You agree that you will not rely upon the contents of the Site and that you will take all steps you deem necessary, including obtaining independent professional advice, to arrive at your independent opinion of any proposed strategy and your decision whether or not to proceed. UBIL or connected companies, their clients and officers, may have a position or engage in transactions in any of the instruments mentioned.

All rates and prices made available on this Site are indicative only and not tradable unless expressed to be a rate or price that can be accepted by clicking on an 'Accept', 'Trade' or 'Deal' icon. UBIL does not warrant that the functions contained in this Site will be uninterrupted or error-free, that defects will be corrected, or that this Site or the server that makes it available are free from viruses. Rates or prices may be provided by third parties and may be subject to a time delay.

You, and any person connected to or representing you, accept that all communications (including telephone conversations) between us may be recorded by us. Such recording will be our sole property, and will in the absence of manifest error be conclusive evidence of the communications recorded and may be used as evidence in event of a dispute. If you have made similar recordings they will be accorded similar status.

In the event of any failure, interruption or delay in performance of our obligations resulting from acts, events or circumstances not reasonably within our control, including but not limited to industrial disputes, acts or regulations of any governmental or supranational bodies or authorities, breakdown, failure or malfunction of any telecommunications or computer service, UBIL shall not be liable or have any responsibility of any kind for any loss or damage thereby incurred or suffered by you.

  US Investors

This site is not intended for use by US Investors. The information on this Site is not an offer or solicitation of an offer to buy or sell any securities or securities related financial services in the United States.

Research Not a Recommendation to Buy or Sell

You understand and acknowledge that neither UBIL nor any affiliate or employees has provided any advice concerning the nature, value or suitability of any particular financial product, transaction, investment strategy, portfolio or other matter. You understand that the research and other materials provided in this Site are for information purposes only, and any reference to a specific financial product or service contained therein does not constitute a recommendation to buy or sell. You acknowledge that any investment is based solely on your own evaluation of your investment objectives and financial condition.

Internet Site not an Exchange or ATS

Neither this Site nor any of the services or facilities provided by UBIL in connection with this Site constitutes an 'exchange' or 'alternative trading system' (ATS) as those terms are defined in the U.S. Securities Laws, and the rules regulations and interpretations thereunder, and neither UBIL nor this Site is subject to regulation as an exchange or ATS in the United States.

General Information

The terms in this notice shall apply on each visit made by you to this Site. Any transactions entered into via this Site shall be subject to such additional terms and conditions agreed between you and UBIL. We may modify, supplement or amend this notice and such terms and/or conditions hereby, at any time.

This notice shall be governed by and construed in accordance with Irish law and both you and UBIL irrevocably agree that the courts of Ireland shall have exclusive jurisdiction to hear any dispute or suit. You waive any right to claim the action is being brought in an inconvenient forum.

Transactions with UBIL shall be in the English language and shall be recorded by UBIL. Confirmations of transactions shall be sent by UBIL by post, fax or electronic means. Any prices and/or quotes for transactions provided by UBIL do not include any applicable tax or delivery charges, unless stated to the contrary.

Our details are as follows:

Ulster Bank Ireland Limited

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

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

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

Ulster Bank Ireland Limited general email address: webmaster@ulsterbank.com

Ulster Bank Ireland Limited is regulated by the Cantral Bank of Ireland

Calls may be recorded.

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

1. that the Investor Compensation Act, 1998 provides for the establishment of a compensation scheme and the payment, in certain circumstances of compensation to certain clients (know as eligible investors *) of authorised investment firms as defined in the Act;

2. that Ulster Bank Ireland Limited is a member of that compensation scheme;

3. that where an entitlement to compensation is established, the compensation payable will be the lesser of

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

A person is an eligible investor if they are a client of an investment firm that has failed and have made an application for payment under section 34 of the Investor Compensation Act, 1998.15. If you are not satisfied with any of Ulster Bank's products or services we have a complaint handling procedure that you can use to resolve such matters. A leaflet giving details of the procedure can be obtained from any of our branches or by telephoning the bank on +353 1 608 4000.

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

Email: enquiries@financialombudsman.ie ; Website: http://www.financialombudsman.ie

Privacy Policy

Privacy

UBIL is committed to protecting your privacy during your visits to this site and recognise our responsibility to keep the information you provide to us confidential at all times. We may disclose your details members of the Royal Bank of Scotland Group (of which we are a member).

We protect the personal information on our website to a high a standard as when you communicate with us in any other way, for example at our offices or on the telephone.

Security

Strict security procedures are followed in the storage and disclosure of your personal information.

When personal information is requested on-line by us, we ensure that your browser encrypts it. The strongest available encryption under the industry standard technology called SSL ('Secure Sockets Layer') is applied. The same technology is used for personal information sent back to your browser. However, personal data passed through the internet may not be protected or secure. Neither Ulster Bank nor any member of the Royal Bank of Scotland Group is able to guarantee the security of data outside their own computer systems.

Your Information On-line.

Cookies

A 'cookie' is information that a website stores on your computer so that it can remember something about you at a later time. Cookies are commonly used on the Internet and do not harm your computer.

The cookies on this website are used in conjunction with SSL for the purpose of authentication and authorisation. Cookies are also used to record the user's access configuration and preferences and to act as a flag to help us recognise when we have already asked you to participate in any on-line market research and to prevent you from being asked to complete the same questionnaire every time that you visit this website. They do not include any personal information that others could read and understand about you, such as your name or account numbers.

If you do not want us to use cookies when you visit this website, you can configure your browser not to accept them or opt-out. Please refer to your browser's help facility for further information.

Please note, the use of cookies is fundamental to the operation of this website, and that opting out or refusal to accept cookies may affect its operation.

Application Information

When you apply for a product or service on this website, you will be asked for personal information that is needed to process your application.

You (and your employees) agree that we and other companies in our group may hold and process by computer or otherwise any information we hold about you (and your employees) and may use any of that information to administer and operate your account and to provide any services to you, to monitor and analyse the conduct of your account, to assess any credit decision and to enable us to carry out statistical and other analyses. You agree that we may disclose that information to other companies in our group for these purposes. You agree that we may also transfer information we hold about you to any country, including countries outside the European Economic Area that may not have data protection laws, for any of the purposes described in this clause. We may also disclose information about you (and your employees) to law enforcement agencies or regulators when properly requested to do so.

Copyright

©The Royal Bank of Scotland Group plc. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only.

Trade marks

This website contains numerous trade marks belonging to The Royal Bank of Scotland Group plc and other companies in the RBS Group. These trade marks include, but are not limited to, The Royal Bank of Scotland logo and Ulster Bank. If you are in doubt as to whether an item is a trade mark of The Royal Bank of Scotland Group plc or a member of the RBS Group, please contact us for clarification at the registered office address.

Rates and prices

Ulster Bank Ireland Limited makes no representations as to the accuracy or reliability of foreign currency exchange or other rates quoted on this website. Such rates are provided to Ulster Bank Ireland Limited or to the Ulster Bank Group by third parties who are not affiliated with Ulster Bank Limited or the Ulster Bank Group. Whilst Ulster Bank Ireland Limited will use reputable service providers to provide this function, it disclaims to the fullest extent possible all liability for any loss which you may suffer as a result of your use of these rates. This service is provided as a courtesy to you and without obligation to do so in the future.