Business Start-up Package

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GUIDELINES

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SUPPORTING BUSINESS

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There’s no doubt that starting your own business is exciting. But it can be quite daunting too, with so many important choices to make and so many decisions to take.

The good news is you don’t have to face them all on your own.

With AIB you will have access to a Business Relationship Team with the knowledge and expertise to help steer and advise you at every stage as your business grows.

You will benefit from all of the products and services you would expect from your business bank, along with an efficiency and flexibility that will allow you to bank in a way that suits you - in your branch, online, or by phone.

However at AIB, we also understand that when you are starting a business, you require support and advice on matters other than banking.

To find out more about the benefits of being in business with AIB, ask at your local branch or click on www.aib.ie/business

Going it alone doesn’t mean doing it alone

AIB is the bank more businesses choose according to Ipsos MRBI research, November 2012.

AIB050R01211BR_A5.indd 2 13/03/2013 10:47

There’s no doubt that starting your own business is exciting. But it can be quite daunting too, with so many important choices to make and so many decisions to take.

The good news is you don’t have to face them all on your own.

With AIB you will have access to a Business Relationship Team with the knowledge and expertise to help steer and advise you at every stage as your business grows.

You will benefit from all of the products and services you would expect from your business bank, along with an efficiency and flexibility that will allow you to bank in a way that suits you - in your branch, online, or by phone.

However at AIB, we also understand that when you are starting a business, you require support and advice on matters other than banking.

To find out more about the benefits of being in business with AIB, ask at your local branch or click on www.aib.ie/business

How AIB’s business package supports your new business 2

AIB Business Start-up Package 3

Business Start-up Current Account 4

Online Banking Services tailored to your business 5

Business Finance 7

Managing Surplus Funds 10

Planning for the future 11

Support and advice 12

Useful Contacts 13

Terms and Conditions and Important Regulatory Information 14

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Going it alone doesn’t mean doing it alone

Contents

AIB is the bank more businesses choose according to Ipsos MRBI research, November 2012.

AIB050R01211BR_A5.indd 3 18/03/2013 09:52

AIB Business Start-up PackageIn addition to the support you’ll receive from your Business Relationship Manager in your branch, we’ve designed a package that will give your business a real head start:

AIB Business Start-up Current Account - special 2 year fee offer for Business Start-ups

Online banking services - 2 years free iBusiness Banking or registration to AIB Phone & Internet Banking

SME Loan for Start-up businesses

AIB Business Overdraft

AIB Classic Visa Business Card

AIB Merchant Services

Business Saving Options

Financial Planning & Protection

Support and advice

Over the years, AIB has partnered with small and medium sized businesses from start-up to expansion. By listening to our business customers and offering them solutions, we have built up a wealth of experience that helps businesses like yours to grow and succeed.

Every business is different, and each one needs to get the essentials right, like having the right business banking facilities in place, including current accounts for payments and access to finance and cash management services.

At AIB we offer more

You’ll receive advice and support on a whole range of business topics. We have guides on writing a business plan, starting your business and forecasting cashflow – just some of the issues we help our business customers with every day.

In addition, our AIB Phone & Internet Banking and iBusiness Banking services enable you to do your banking online from your office or home.

How AIB’s business package supports your new business

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At your AIB branch you can get advice and support on setting up, running and expanding your business.

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AIB Business Start-up PackageIn addition to the support you’ll receive from your Business Relationship Manager in your branch, we’ve designed a package that will give your business a real head start:

AIB Business Start-up Current Account - special 2 year fee offer for Business Start-ups

Online Banking services - 2 years free iBusiness Banking or registration to AIB Phone & Internet Banking

Start-up Loan

AIB Classic Visa Business Card

AIB Merchant Services

Business Saving Options

Financial Planning & Protection

Support and advice

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At AIB we offer more

You’ll receive advice and support on a whole range of business topics. We have guides on writing a business plan, starting your business and forecasting cashflow – just some of the issues we help our business customers with every day.

In addition, our AIB Phone & Internet Banking and iBusiness Banking services enable you to do your banking online from your office or home.

How AIB’s business package supports your new business

Top Tip

Check out our practical guide to starting a business on www.aib.ie/business

At your AIB branch you can get advice and support on setting up, running and expanding your business.

AIB050R01211BR_A5.indd 5 18/03/2013 10:00

An AIB Business Start-up Current Account is an efficient way to successfully manage the day-to-day operation of your business. Whether you manage your account online or through your branch, you can use your AIB Business Start-up Current Account to receive payments and to pay your suppliers and expenses.

With an AIB Business Start-up Current Account you can:

•SetupDirect DebitsorStanding Orderstopayyourbusinessbillsautomaticallyormakeregularpayments

•PayyoursupplierselectronicallythroughiBusinessBankingorAIBPhone&InternetBanking•MakeInternational Payments•Savetimeandmoneybypayingyouremployees’ salary electronically•Collectpaymentsfromcustomerselectronicallybybecominga Direct Debit Originator•Receivebankstatementsatintervalstomeetyourbusinessneeds•ApplyforanOverdraftfacilityonyouraccount,forflexible,shorttermworkingcapital.

Special 2 Year Fee Offer for Business Start-ups

We in AIB want to do all that we can to help you when starting out in business and that’s why when you open your Business Start-up Current Account as a new business start-up, we’ll waive:

•Accounttransactionfeesforthefirsttwoyears•Cashhandlingfeesforthefirsttwoyearsuptoamaximumdiscountof€100perfeequarter.

Other charges apply, please refer to our booklet ‘Business Fees and Charges’ for further details. This offer is available to customers who open an AIB Business Start-up Current Account between 2nd April 2013 and 31st March 2014.

Customers must complete and submit the Bank’s Business Start-up Current Account Fee Offer application form to their branch at the time the account is being opened. At the end of the offer period, the Bank’s standard fees and charges will apply to the account.

Who can apply for the AIB Business Start-up Current Account?

A“BusinessStart-up”(anySoleTrader,PartnershiporLimitedCompany),startingupanewbusinessorwhoisinoperationforlessthan3years,andisopeninganAIBBusinessStart-upCurrentAccountforthefirsttimeforthatbusinesscanapply.

Please note: Charities, Voluntary Organisations, Clubs & Associations and Incorporated Societies are excluded from the AIB Business Start-up Package.

Business Start-up Current Account

Online Banking Services tailored to your businessAIB’sOnlineBankingservicesmakeitmucheasierforyoutomanageandcontrolyourbusinessaccounts,savingyouvaluabletimeandmoney.

ChoosefromeitherAIB Phone & Internet BankingoriBusiness Banking services,dependingonthesizeofyourbusinessandyourdailytransactionneeds.

AIB Phone & Internet Banking

Whenstartinganewbusiness,youmayfindtheAIBPhone&InternetBankingserviceismostsuitableforsecurelycarryingoutthebasic transactionsyouneedtogetyourbusinessmoving,suchas:

•Checkingaccountbalancesandtransactions•MakingdomesticandInternationalPayments*•Payingutilitybills•Settingupandmanagingstandingorders•Reconcilingyourstatementsonlinewith

eStatements.

ThereisnospecificchargeforusingtheAIBPhone&InternetBankingservice.However,transactionsmaybesubjecttostandardfeesandcharges.

Asyourbankingneedsexpandalongwithyourbusiness,youmaybenefitsignificantlyfromAIB’siBusiness Banking service,whichenablesyoutocarryoutmore advanced online transactions.

*International Payments service is not available on AIB Phone Banking.

ToapplyforAIBPhone&InternetBanking,clickontowww.aib.ie orcall0818 724 020.

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An AIB Business Start-up Current Account is an efficient way to successfully manage the day-to-day operation of your business. Whether you manage your account online or through your branch, you can use your AIB Business Start-up Current Account to receive payments and to pay your suppliers and expenses.

With an AIB Business Start-up Current Account you can:

•SetupDirect DebitsorStanding Orderstopayyourbusinessbillsautomaticallyormakeregularpayments

•PayyoursupplierselectronicallythroughiBusinessBankingorAIBPhone&InternetBanking•MakeInternational Payments•Savetimeandmoneybypayingyouremployees’ salary electronically•Collectpaymentsfromcustomerselectronicallybybecominga Direct Debit Originator•Receivebankstatementsatintervalstomeetyourbusinessneeds•ApplyforanOverdraftfacilityonyouraccount,forflexible,shorttermworkingcapital.

Special 2 Year Fee Offer for Business Start-ups

We in AIB want to do all that we can to help you when starting out in business and that’s why when you open your Business Start-up Current Account as a new business start-up, we’ll waive:

•Accounttransactionfeesforthefirsttwoyears•Cashhandlingfeesforthefirsttwoyearsuptoamaximumdiscountof€100perfeequarter.

Other charges apply, please refer to our booklet ‘Business Fees and Charges’ for further details. This offer is available to customers who open an AIB Business Start-up Current Account between 2nd April 2013 and 31st March 2014.

Customers must complete and submit the Bank’s Business Start-up Current Account Fee Offer application form to their branch at the time the account is being opened. At the end of the offer period, the Bank’s standard fees and charges will apply to the account.

Who can apply for the AIB Business Start-up Current Account?

A“BusinessStart-up”(anySoleTrader,PartnershiporLimitedCompany),startingupanewbusinessorwhoisinoperationforlessthan3years,andisopeninganAIBBusinessStart-upCurrentAccountforthefirsttimeforthatbusinesscanapply.

Please note: Charities, Voluntary Organisations, Clubs & Associations and Incorporated Societies are excluded from the AIB Business Start-up Package.

Business Start-up Current Account

Online Banking Services tailored to your businessAIB’sOnlineBankingservicesmakeitmucheasierforyoutomanageandcontrolyourbusinessaccounts,savingyouvaluabletimeandmoney.

ChoosefromeitherAIB Phone & Internet BankingoriBusiness Banking services,dependingonthesizeofyourbusinessandyourdailytransactionneeds.

AIB Phone & Internet Banking

Whenstartinganewbusiness,youmayfindtheAIBPhone&InternetBankingserviceismostsuitableforsecurelycarryingoutthebasic transactionsyouneedtogetyourbusinessmoving,suchas:

•Checkingaccountbalancesandtransactions•MakingdomesticandInternationalPayments*•Payingutilitybills•Settingupandmanagingstandingorders•Reconcilingyourstatementsonlinewith

eStatements.

ThereisnospecificchargeforusingtheAIBPhone&InternetBankingservice.However,transactionsmaybesubjecttostandardfeesandcharges.

Asyourbankingneedsexpandalongwithyourbusiness,youmaybenefitsignificantlyfromAIB’siBusiness Banking service,whichenablesyoutocarryoutmore advanced online transactions.

*International Payments service is not available on AIB Phone Banking.

ToapplyforAIBPhone&InternetBanking,clickontowww.aib.ie orcall0818 724 020 or +353 (0)1 771 2424 fromabroad.

AIB iBusiness Banking

iBusinessBankingisanonlinebankingservicespecificallydesignedforbusinesscustomerswithmoresophisticatedonlinebankingrequirements.iBusinessBankingenablesyouandotherauthoriseduserstocompletetransactionsonlinesecurelyandquickly,including:

•Transferringmoneybetweenaccounts•MakingdomesticandInternationalPayments

(UrgentandNonUrgent),withinlimitstailoredforyourbusiness

•Bulkpaymentsfacility(throughEMTSfileupload)

•Dualauthorisationofpayments•Two-factorauthentication•Transactionhistoryforthepastsixmonths.

Special iBusiness Banking Offer for Business Start-ups

Togetyoustarted,we’llgiveyouafreesubscriptiontoiBusinessBankingfor2years(worth€400).

How do I apply for this offer?

IfyouopenanAIBBusinessStart-upCurrentAccountbetween2ndApril2013and31stMarch2014inclusiveandsubsequentlyregisterforiBusinessBankingbetweensuchdates,wewillgiveyouafreesubscriptiontoiBusinessBankingfor2years.

TostartusingiBusinessBanking,askanyofusorclickonwww.aib.ie/ibbtoday.

What will I be charged after these initial 2 years?

€50perquarter(orsuchsumastheBankshallagreeatsuchtime).

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Important Information for your AIB Phone & Internet Banking and iBusiness Banking

• Eligibility, terms and conditions apply to these services.

• The Offer will be for a period of two years (or such longer period as the Bank may allow) from the date of opening and receipt by the Bank of the completed iBusiness Banking Application Form.

• Customers must list their AIB Business Start-up Current Account as the first account in the online iBusiness Banking Application form.

• For full details on iBusiness Banking, click on www.aib.ie/ibb

• For full details on AIB Phone & Internet Banking, click on www.aib.ie/internetbanking.

Note: Other charges still apply for AIB Phone & Internet Banking and iBusiness Banking. Please see our booklet `Business Fees and Charges’ for details. Please refer to the `Schedule of International Transaction Charges’ booklet for further details on fees and charges for international transactions and charges.

Business Finance

Start-up Loan

Most businesses need loans at some point of their development, whether for initial start-up or expansion, buying premises or investing in equipment.

As part of our support package for new businesses, we offer an Start-up Loan at a highly competitive variable rate. To support you in the challenges your business may face in its early years, you may negotiate flexible loan repayment arrangements that best suit your circumstances. Flexible repayment options may impact on the cost of credit and/or the term of the loan.

The Start-up Loan Rate applies to loans up to €100,000. Talk to us in any branch about our competitive Start-up Loan, or click on www.aib.ie/business

Business Start-ups often need finance to help them develop and grow. When you come to AIB for bank finance, we will draw on our experience and knowledge of the business market to help you determine what finance options best meet your business needs.

For more information please refer to our ‘Helping You Prepare Your Business Credit Application’ brochure.

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Note: Other charges still apply for AIB Phone & Internet Banking and iBusiness Banking. Please see our booklet `Business Fees and Charges’ for details. Please refer to the `Schedule of International Transaction Charges’ booklet for further details on fees and charges for international transactions and charges.

Business Finance

Start-up Loan

Most businesses need loans at some point of their development, whether for initial start-up or expansion, buying premises or investing in equipment.

As part of our support package for new businesses, we offer a Start-up Loan at a highly competitive variable rate. To support you in the challenges your business may face in its early years, you may negotiate flexible loan repayment arrangements that best suit your circumstances. Flexible repayment options may impact on the cost of credit and/or the term of the loan.

The Start-up Loan Rate applies to loans up to €100,000.

Talk to us in any branch about our competitive Start-up Loan, or click on www.aib.ie/business

AIB Business Overdraft

A business overdraft can give your start-up business the flexibility to manage short-term cashflow and help your business from day to day.

All business start-ups are eligible to apply for a business overdraft and applications will be assessed subject to normal lending criteria.

Credit Facilities

Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Security may be required. Full details can be found in the AIB Terms and Conditions Governing Business Lending brochure, a copy of which is available from your local AIB branch.

Business Start-ups often need finance to help them develop and grow. When you come to AIB for bank finance, we will draw on our experience and knowledge of the business market to help you determine what finance options best meet your business needs.

For more information please refer to our ‘Helping You Prepare Your Business Credit Application’ brochure.

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AIB Classic Visa Business Card

The AIB Classic Visa Business Card is the ideal payment tool for your day-to-day business expenses. This card is designed specifically for the SME market and offers a simple and efficient alternative to cash and cheque payments. Visa is accepted in more than 240 countries worldwide and can be used online, at point of sale and also to withdraw cash (fees and charges apply).

• You assign which of your employees will hold an AIB Classic Visa Business Card and choose the appropriate Credit Limit for each card.

• A single monthly direct debit payment for all the transactions means no interest and no transaction charges on your AIB Classic Visa Business Card.

• A detailed monthly statement creates efficiency and less paperwork, therefore simplifying the reconciliation of expenses and reducing administration costs for your business.

There are three easy ways to apply for this card:

• Call into your local AIB branch

• Download application form www.aib.ie/business

• Request an application form by phone – (01) 668 55 00

Business Start-ups are eligible to apply for an AIB Classic Visa Business Card, subject to normal lending criteria.

Note: Government stamp duty of €30 is charged annually per card. There is an annual bank fee of €19.05 for each AIB Classic Visa Business Card issued.

AIB Merchant Services

AIB Merchant Services enables your business to accept and process credit and debit card payments from your customers in a convenient and efficient way. Setting up your merchant account is a quick and straightforward process.

Benefits for accepting Debit and Credit Cards

• Improve cash flow and reduce bad debts

• Reduce cash handling fees

• Increase security and peace of mind

• Drive incremental sales by increasing customer convenience

AIB Merchant Services can provide your business with:

• Choice of point of sale terminals, an online payment gateway or virtual terminal

• Flexible pricing and high speed processing

• Experience support teams

• Range of additional services, including cash back facility, recurring payments, gratuity acceptance, currency conversion and multi currency handling.

See ‘Introduction to AIB Merchant Services’ brochure available at your AIB branch or click on www.aibms.com to find out more.

We have a dedicated Merchant Support Team, ready to help you come on board. To find out more about AIB Merchant Services and how we can support your business, contact us today:

Telephone ROI: 01 2182100

Email: sales@aibms.com

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AIB Merchant Services

AIB Merchant Services enables your business to accept and process credit and debit card payments from your customers in a convenient and efficient way. Setting up your merchant account is a quick and straightforward process.

Benefits for accepting Debit and Credit Cards

•Improvecashflow

•Reducebaddebts

•Reducecashhandlingfees

•Increasesecurityandpeaceofmind

•Driveincrementalsalesbyincreasingcustomer convenience

AIB Merchant Services provides the following transactions on your terminal

•Cashback

•Irishmobilephonetop-up

•CurrencyConversionandMulti-currencyhandling

•Taxback

•Gratuityacceptance

•Recurringpayments

See ‘Introduction to AIB Merchant Services’ brochure available at your AIB branch or click on www.aibms.com to find out more.

We have a dedicated Merchant Support Team, ready to help you come on board and an online reporting tool so you can see your business transactions at anytime or anywhere. To find out more about AIB Merchant Services and how we can benefit your business, contact us today:

Telephone ROI: 01 2182100

Email: sales@aibms.com

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Planning for the futureGet your business to look after its No. 1 Asset – YOU!

Many business owners involved in start-ups feel that they are too busy establishing their business and managing their day-to-day affairs to give time to financial planning. However, poor financial planning can often result in:

Missing out on tax-efficient retirement planning opportunities.

Loss of income or profits due to unforeseen circumstances such as illness or losing a key employee/partner.

For this reason, we encourage all business owners to meet with their local AIB Financial Adviser so that they can plan for the future.

Whether your priority is to protect your family, home and/or business against life’s unforeseen events, or invest your hard-earned profits more tax-efficiently, our nationwide team of AIB Financial Advisers are experienced, highly trained and available to help our business cus-tomers to build, manage, protect and eventu-ally pass on wealth.

Allied Irish Banks, p.l.c. is a tied agent of Irish Life Assurance plc, for life and pensions business. Allied Irish Banks, p.l.c. and Irish Life Assurance plc are regulated by the Central Bank of Ireland.

Managing Surplus FundsAt AIB we offer a range of deposit accounts so that you can manage any surplus funds you might have, in the most appropriate way for you, while earning a competitive rate of interest.

Demand Deposit Account

• No minimum or maximum amount• Withdrawal at anytime• Variable rates of interest paid

Flexi Deposit Account

• Funds can be deposited for a fixed period of time up to 2 years

• Minimum opening balance €1,000 upwards • Flexibility to make one-off withdrawal

of up to 50%, of your savings without any penalty. If more than 50% access or more than one withdrawal is required a redemption cost* will be applied.

Fixed Term Deposit Account

• Funds can be deposited for a fixed period of time up to 6 years

• Minimum balance of €25,000• An agreed fixed rate of interest will

be applied for your chosen term• Early withdrawals from Fixed Term Deposit

Accounts will only be permitted at the sole discretion of the bank and will incur a redemption cost*.

*A redemption cost is made up of an administration cost of €63.50 + funding cost (where applicable).

Notice Deposit Accounts

• Attractive variable interest rates• No minimum or maximum

account balance

Access Deposit 30

• 30 days notice required to withdraw funds

Notice Deposit 7

• 7 days notice required to withdraw funds

For the deposit account solution that suits your particular business needs, see the AIB Business Savings Account brochure, ask any of us or click on www.aib.ie/business. Terms and Conditions specific to each account will apply.

Interest is subject to Deposit Interest Retention Tax (DIRT), at the prevailing rate where applicable. For more information visit www.revenue.ie

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Planning for the futureGet your business to look after its No. 1 Asset – YOU!

Many business owners involved in start-ups feel that they are too busy establishing their business and managing their day-to-day affairs to give time to financial planning. However, poor financial planning can often result in:

Missing out on tax-efficient retirement planning opportunities.

Loss of income or profits due to unforeseen circumstances such as illness or losing a key employee/partner.

For this reason, we encourage all business owners to meet with their local AIB Financial Adviser so that they can plan for the future.

Whether your priority is to protect your family, home and/or business against life’s unforeseen events, or invest your hard-earned profits more tax-efficiently, our nationwide team of AIB Financial Advisers are experienced, highly trained and available to help our business cus-tomers to build, manage, protect and eventu-ally pass on wealth.

Allied Irish Banks, p.l.c. is a tied agent of Irish Life Assurance plc, for life and pensions business. Allied Irish Banks, p.l.c. and Irish Life Assurance plc are regulated by the Central Bank of Ireland.

Types of solutions we can help you to put in place include:

• Structuring your savings and investments to meet your short, medium and longer term goals

• Financial protection for you and your family should you suffer from illness or pass away

• Tax efficient ways for business owners to take profits from their company and turn them into personal wealth using retirement planning opportunities.

• Offering an employee pension benefit package and contributing to it may help you with recruiting and indeed, retaining quality staff.

• Putting a succession plan in place to protect your business against the loss of a fellow owner or key employee.

Contact your local branch to arrange a meeting with an AIB Financial Adviser.

Managing Surplus FundsAt AIB we offer a range of deposit accounts so that you can manage any surplus funds you might have, in the most appropriate way for you, while earning a competitive rate of interest.

Notice Deposit Accounts

• Attractive variable interest rates• No minimum or maximum

account balance

Access Deposit 30

• 30 days notice required to withdraw funds

Notice Deposit 7

• 7 days notice required to withdraw funds

For the deposit account solution that suits your particular business needs, see the AIB Business Savings Account brochure, ask any of us or click on www.aib.ie/business. Terms and Conditions specific to each account will apply.

Interest is subject to Deposit Interest Retention Tax (DIRT), at the prevailing rate where applicable. For more information visit www.revenue.ie

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AIB Seed Capital Fund www.aibseedcapitalfund.ie

AIB Start-up Accelerator Fund www.actventure.com

Business Access to State Information and Services www.basis.ie

Chamber Network www.chambers.ie

City & County Enterprise Boards www.enterpriseboards.ie

Companies Registration Office www.cro.ie

Credit Review Office www.creditreview.ie

Department of Jobs, Enterprise and Innovation www.deti.ie

Enterprise Ireland www.enterprise-ireland.com

Irish Small and Medium Enterprises Association (ISME) www.isme.ie

Revenue Commissioners www.revenue.ie

Small Business Finance www.smallbusinessfinance.ie

Small Firms Association (SFA) www.sfa.ie

Useful ContactsIn addition to the support and guidance you’ll receive from AIB, the following organisations and websites may also be useful to you while starting up, running and expanding your business:

From starting out, to growing and expanding your business, you’ll find guides and tools online at www.aib.ie/business and in your local AIB branch to help you at every stage.

Support and advice

Our Business guides provide you with the information you need to help you through the early stages. Here’s an example of our more popular guides:

A Practical Guide to Starting Your Own Business – outlines the key steps you should follow when setting up your business

Helping You Prepare Your Business Credit Application

AIB Job Creation Loan

Tools available on www.aib.ie/business include:

Business Planning Tool – For a business to be successful and profitable, you must have a clear understanding of your businesses strengths, weaknesses and competition. You must also have the foresight to plan for future expansion. Whether yours is a new business or an existing business in the process of expanding, sourcing capital is often an issue. Taking time to create an extensive business plan provides you with insight into your business and can help you prepare your proposal to your Bank for credit. AIB’s Business Planning Tool can serve as a powerful financing proposal.

Cashflow Forecast Tool – This is used to tell you if your business is likely to have enough money coming into the business to pay all of its expenses. If the forecast cashflow tells you that you do not have enough money coming in, then the business must arrange to obtain the required amount of money in order to meet the shortfall and sustain successful trading.

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AIB Seed Capital Fund www.aibseedcapitalfund.ie

AIB Start-up Accelerator Fund www.actventure.com

Business Access to State Information and Services www.basis.ie

Chamber Network www.chambers.ie

City & County Enterprise Boards www.enterpriseboards.ie

Companies Registration Office www.cro.ie

Credit Review Office www.creditreview.ie

Department of Jobs, Enterprise and Innovation www.deti.ie

Enterprise Ireland www.enterprise-ireland.com

Irish Small and Medium Enterprises Association (ISME) www.isme.ie

Revenue Commissioners www.revenue.ie

Small Business Finance www.smallbusinessfinance.ie

Small Firms Association (SFA) www.sfa.ie

Useful ContactsIn addition to the support and guidance you’ll receive from AIB, the following organisations and websites may also be useful to you while starting up, running and expanding your business:

www.aib.ie/business

From starting out, to growing and expanding your business, you’ll find guides and tools online at www.aib.ie/business and in your local AIB branch to help you at every stage.

Support and advice

Our Business guides provide you with the information you need to help you through the early stages. Here’s an example of our more popular guides:

A Practical Guide to Starting Your Own Business – outlines the key steps you should follow when setting up your business

Helping You Prepare Your Business Credit Application

AIB Job Creation Loan

Tools available on www.aib.ie/business include:

Business Planning Tool – For a business to be successful and profitable, you must have a clear understanding of your businesses strengths, weaknesses and competition. You must also have the foresight to plan for future expansion. Whether yours is a new business or an existing business in the process of expanding, sourcing capital is often an issue. Taking time to create an extensive business plan provides you with insight into your business and can help you prepare your proposal to your Bank for credit. AIB’s Business Planning Tool can serve as a powerful financing proposal.

Cashflow Forecast Tool – This is used to tell you if your business is likely to have enough money coming into the business to pay all of its expenses. If the forecast cashflow tells you that you do not have enough money coming in, then the business must arrange to obtain the required amount of money in order to meet the shortfall and sustain successful trading.

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Business Start-up Current Account Fee Offer

1. Definitions in these conditions: ‘the Account’ means the Business Current Account opened for the Business Start-up Customer between 2nd April 2013 and 31st March 2014

‘Business Start-up Customer’ means a person, persons or corporate entity, who is starting up a business where an Account is being opened for the first time with the Bank for the purpose of operating this new business.

‘the Bank’ means Allied Irish Banks, p.l.c. ‘the Booklet’ means the Bank’s booklet entitled

‘Business Fees and Charges’, available in all Bank branches and on the Bank’s website.

‘the Offer’ means account transaction fees as described in the Booklet will be waived for two years from the date the Account is opened, excluding cash handling fees. Cash handling fees incurred up to a maximum of €100 per fee quarter will also be waived for the two year period. The Offer does not include Service Charges or Government charges and stamp duty. Further, the balance on the Account will not qualify to minimise fees and charges. Details of all fees and charges are set out in the Booklet.

2. The Offer is available to Business Start-up Customers who complete and submit the Bank’s Business Start-up Current Account Fee Offer application form at the time the Account is being opened. Business Start-ups who have qualified for the offer must complete a separate Business Start-up Current Account Fee Offer application form for any additional accounts subsequently opened in connection with this business during the offer period to avail of the Offer on such accounts.

3. The Offer will be for a period of two years (or such longer period as the Bank may allow) from the date of Account opening and receipt by the Bank of the completed Business Start-up Current Account Fee Offer application form. This period will cover eight completed fee quarters as described in the Booklet.

4. The Offer and associated benefits shall be withdrawn immediately on closure of the Account by the Customer or the Bank, or on conversion of the Account by the Customer during the two year period from the date the Account is opened and all fee benefits for the whole of the last quarter shall be lost. The benefits of the Offer shall not apply to any new product.

5. At the end of the Offer period, the Bank’s standard fees and charges will apply to the Account.

6. These conditions may be altered from time to time by the Bank; any such alteration shall be effective and binding on the Customer two months after notice of same has been sent to the Customer (other than an alteration in the fees and charges – which will be effective from the date specified in the pre-

notification), by post or by advertisement published in at least one national daily newspaper or by such other means as the Bank may decide.

7. The Bank reserves the right to close or amend the Offer at any time, but without affecting the entitlement of Business Start-up Customers who have already availed of it.

Terms and Conditions Notes

AIB050R01211BR_A5.indd 16 13/03/2013 10:52

15

Business Start-up Current Account Fee Offer

notification), by post or by advertisement published in at least one national daily newspaper or by such other means as the Bank may decide.

7. The Bank reserves the right to close or amend the Offer at any time, but without affecting the entitlement of Business Start-up Customers who have already availed of it.

Notes

AIB050R01211BR_A5.indd 17 18/09/2012 13:37

16

AIB050R01211BR_A5.indd 18 18/09/2012 13:24

17

AIB050R01211BR_A5.indd 19 11/09/2012 10:20

AIBM/CBB76 03/13 AIB050R01211BR_CB

Drop into any branch

1890 724 724

www.aib.ie

1890 47 88 33

www.aib.ie/business

Drop into any branch

AIB050R01211BR_A5.indd 20 18/03/2013 10:00

Prinect PDF Report 3.0.93 - 1 - 03/26/2013 09:52:49 AM

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