Fixed Deposit Accounts: Accounts that give you a fixed rate of interest for a defined term. potx

Annual Equivalent Rate AER illustrates what the interest would be if interest was paid and compounded each year.. Our AER calculation assumes that the account is held for a year and that

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Fixed Deposit Accounts

Accounts that give you a fixed rate of interest for a defined term.

These rates are effective from the start of business on 1st November 2012

Available in branch

Fixed Deposit Accounts

Gross%* Gross Return*% AER%

3 Months

e5,000 - e9,999.99 1.65 0.41 1.66

6 Months

e5,000 - e9,999.99 1.65 0.81 1.66

12 Months

e5,000 - e9,999.99 1.95 1.95 1.95

Fixed Access (16 months)

Fixed Access (5 Year)

Fixed Access is a fixed term account which allows one withdrawal without charge

of up to 25% of the account balance (please refer to the Terms and Conditions

brochure)

s Interest First (6 Months)

e5,000 - e9,999.99 1.65 0.81 1.67

The Interest First term deposit account pays you your interest in the first month

Available online

Fixed Deposit Accounts - Available Online

Gross*% Gross Return*% AER%

3 Months e5,000 + 2.10 0.52 2.12

6 Months e5,000 + 2.40 1.18 2.41

12 Months e5,000 + 3.00 3.00 3.00

You can only open Online Accounts by using the internet within our OPEN24

Service and you are a registered user Once opened, you can transact on your

account by using our internet and telephone banking services You cannot transact

on the account by visiting our branches

* Interest on Resident Accounts is paid net of Deposit Interest Retention Tax (DIRT), which persons aged 65 or over, or persons who are permanently incapacitated and their respective spouses may be entitled to reclaim Interest is paid on maturity (excluding the Interest First Account)

A Monthly Income Option is available on the 12, 18, 24 & 60 month Fixed Term Deposit Minimum balance of €5,000 is required for any of the Fixed Term Deposits

All non-personal accounts of more than €1 million will be managed directly

by permanent tsb Treasury For non-personal accounts of up to €1 million

different interest rates to the rates listed in this notice may apply – please ask staff for details of rates and options available to you All new Credit Union

accounts and rates will be managed directly by permanent tsb Treasury

Gross Rate is the daily interest accrual rate Gross Return is the term maturity rate of return Annual Equivalent Rate (AER) illustrates what the interest would

be if interest was paid and compounded each year Our AER calculation assumes that the account is held for a year and that the interest rate remains constant For Interest First fixed term deposit accounts it is also assumed that the interest received in the first month is reinvested in the same account type at the lower interest rate

Deposit Interest Retention Tax (DIRT) - Accounts are subject to DIRT where applicable

permanent tsb p.l.c is regulated by the Central Bank of Ireland Publication date: 01/11/2012 BMK2328(1) (Rev 11/12)

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Notice Deposit Accounts

These are variable rate accounts where you need to give a period of notice before you access your funds These rates are effective from the start of business on 1st November 2012

7 Day Notice Account

21 Day Notice Investment Deposit Account

21 Day Notice Regular Saver Account

**Payday Saver Account

40 Day Notice Savings Account

Online Accounts

Service and you are a registered user Once opened, you can transact on your account by using our internet and telephone banking services You cannot transact

Closed Accounts

Notice Accounts (Gross %*) (Not available for new applicants)

30 Day 60 Day 90 Day Notice % Notice % Notice %

e1,269.74 - e25,394.75 0.05 0.10 0.15

e25,394.76 - e63,486.89 0.10 0.15 0.25

Homestarter Saver Account (Not available for new applicants)

35 Day Notice Savings Account (Not available for new applicants)

All non-personal accounts of more than e1 million will be managed directly by permanent tsb Treasury For non-personal accounts of up to e1 million different interest

rates to the rates listed in this notice may apply – please ask staff for details of rates and options available to you All new Credit Union accounts and rates will be managed

directly by permanent tsb Treasury

* Interest on Resident Accounts is paid net of Deposit Interest Retention Tax (DIRT), which persons aged 65 or over, or persons who are permanently incapacitated and their respective spouses may be entitled to reclaim

** Not available for branch opening Can only be opened at affinity work sites

Annual Equivalent Rate (AER) illustrates what the interest would be if interest was paid and compounded each year Our AER calculation assumes that the account is held for a year and that the interest rate remains constant

In the 7 Day, 21 Day, 30 Day, 35 Day, 40 Day, 60 Day and 90 Day notice accounts, the annual equivalent rate is the same as the rates quoted above Monthly Income and Special Savings options, where available on the above accounts, offer the same rates The interest rates listed for 30 Day, 60 Day and 90 Day notice options apply to all accounts with corresponding notice requirements, unless specifically listed on this notice

Monthly Interest - a monthly income option is available on notice accounts, excluding 21 Day, 35 Day and 40 Day notice accounts

Gross rate is the daily interest accrual rate

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Demand Deposit Accounts

These accounts have variable rates and allow you to access your funds whenever you need them.

These rates are effective from the start of business on 1st October 2012

Demand Account

Safari Saver Account

Instant Access Account

Regular Saver

Service and you are a registered user Once opened, you can transact on your

account by using our internet and telephone banking services You cannot transact

Closed Accounts

BonusInterest Account

Not available for new applicants

Where no more than two withdrawals from the BonusInterest Account are made in

a calendar year an additional interest bonus of 0.25% will be paid, calculated on the average daily balance in the account up to the 31st December each year

save2buy / Mortgage Saver / HeadStart / EasiSaver Accounts

Pace / Beanstalk / Scene / Regular Savings Account / Agent Saver / Instant Access / Regular Saver / Tusa Accounts

Save Direct Account

All non-personal accounts of more than e1 million will be managed directly by permanent tsb Treasury For non-personal accounts of up to e1 million different interest

rates to the rates listed in this notice may apply – please ask staff for details of rates and options available to you All new Credit Union accounts and rates will be managed

directly by permanent tsb Treasury

* Interest on Resident Accounts is paid net of Deposit Interest Retention Tax (DIRT), which persons aged 65 or over, or persons who are permanently incapacitated and their respective spouses may be entitled to reclaim

Annual Equivalent Rate (AER) illustrates what the interest would be if interest was paid and compounded each year Our AER calculation assumes that the account is held for a year and that the interest rate remains constant

The annual equivalent rate is the same as the rates quoted above

Gross rate is the daily interest accrual rate

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Variable Interest Rates for Former Irish

Nationwide Building Society Deposit Accounts

These rates are effective from the start of business on 18th September 2012

The following accounts are not available for new applicants.

Instant Access Deposit Account

Gross Rate % AER%

Money Maker/Ordinary Deposit Account/Investment Share

Regular Saver Deposit Account

(Monthly min e100, max e2,000)

30 Day Notice Advantage Account

Gross Rate % AER% Monthly Income AER%

Gross Rate %

e20,000.00 plus 1.20 1.20 1.05 1.06

Up to e19,999.99 0.01 0.01 0.01 0.01

21 Day Notice Flexisaver Account

(Issue 1 & 2)

7 Day Notice Freedom Account

Gold Saver 50/90 Notice Account

Premium Access Account

Classic Quarterly Account

Select 30 Deposit Account

Special Savings Account Gold Saver Special

£ Sterling Demand Account

Interest on Residential Accounts is paid net of Deposit Interest Retention Tax, which persons aged 65 or over, or persons who are permanently incapacitated and their respective spouses may be entitled to reclaim

Gross Rate is the daily interest accrual rate AER (Annual Equivalent Rate) illustrates what the interest would be if interest was paid and compounded each year Our Annual Equivalent Rate (AER) calculation assumes that the account

is held for a year and that the interest rate remains constant Deposit Interest Retention Tax (DIRT) - Accounts are subject to DIRT where applicable

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Variable Interest Rates for Former

Northern Rock Ireland Deposit Accounts

These rates are effective from the start of business on 18th September 2012

The following accounts are not available for new applicants.

Demand Online Account - Annual Interest

Demand Online Account - Monthly Interest

Direct Silver Saver Account - Monthly Interest

Direct Saver Account - Annual Interest

Direct Saver Account - Monthly Interest

Direct Saver Matured Bond Account

Direct Saver Business Reserve Account - Monthly Interest

Direct Saver Special Savings Incentive Matured Account

Direct Saver 30 Day Notice Account (Issue 1) Annual Interest

Direct Saver 30 Day Notice Account (Issue 1) Monthly Interest

Direct Saver 30 Day Notice Account (Issue 2) Annual Interest

Direct Saver 30 Day Notice Account (Issue 2) Monthly Interest

Direct Saver 60 Day Notice Account - Annual Interest

Direct Saver 60 Day Notice Account - Monthly Interest

Interest on Residential Accounts is paid net of Deposit Interest Retention Tax (DIRT), which persons aged 65 or over, or persons who are permanently incapacitated and their respective spouses may be entitled to reclaim

Gross Rate is the daily interest accrual rate Annual Equivalent Rate (AER) illustrates what the interest would be if interest was paid and compounded each year, or monthly if specified Our AER calculation assumes that the account is held for a year and that the interest rate remains constant Accounts are subject to DIRT where applicable

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