Why choose AIB?

With a personal Mortgage Advisor in each branch, there’s someone there to guide you through the mortgage journey.

* They will give you € 2,000 to cover the cost of switching your home mortgage to AIB. The Advisor may even contact you by text message or phone to let you know that the payment is in your current account.

* They offer competitive interest rates if you plan to live in the house yourself. There’s more information about AIB’s types of mortgage rates on www. aib. ie.

* When you drawdown an AIB mortgage on a house you plan to live in, AIB will waive the maintenance and transaction fees on the current account you use to pay your mortgage. All you need to do is set up a direct debit to pay your mortgage from an AIB personal current account.

* You can borrow up to 90% of the value of the property when you switch. This drops to 75% for a one- bed property. * Repayment terms of up 35 years may be available. * In some cases, you may delay your mortgage repayment for the first six months. This option is available for new homes only where you plan to occupy the house yourself. It excludes self- builds and where the mortgage is in negative equity. Repayments will increase over the remaining term of the mortgage.

* Of course, all offers are subject to approval and there are terms and conditions that apply to them. Some of these terms are that you are switching the mortgage for your main house in which you live, that your mortgage is not in arrears, that the balance you are switching is not greater than the value of the house. Switching day to day banking A mortgage can be the biggest financial transaction of your life. But there’s also the day to day stuff, the little transactions, the purchase and bills you pay every day. It’s worth considering if you are getting the best deal on your current account.

AIB’s current accounts meet these needs well and offer great additional benefits, from Student and Graduate accounts, to accounts designed especially for those over 60 years of age.

When you open a new current account with AIB, everything will be arranged for you. Your balance will be transferred from your old current account, all your direct debits and standing orders will be switched from your old account to your new account, and you can decide whether you want to have your account with your other bank closed by us or you can leave it open.

So besides an easy way to manage your day to day banking, with an AIB personal bank account you get:

* Phone and internet banking is convenient and secure and it means you can also download an app for your phone or tablet. You can use phone and internet banking once you register for it.

* No matter where you are in Ireland you’re never far from one of the 200 local branches of AIB or one of the 2,000 ATMs

* With a debit card you can pay for what you needs in- store or online. But remember as with all banks, there is Government Stamp Duty on the card which is charged every January for the previous year. And € 0.12 every time you use an ATM in Ireland. This charge is capped at € 2.50 if you only use your debit card for ATM transactions and capped at € 5 if you use your debit card for both purchases and ATM transactions. Switching your Credit Card: If you switch to an AIB credit card you get: · Special introductory annual interest rate ( on ‘ be’, Platinum or Student) on purchases for 12 months from the date your credit card account is opened.

· Some of the AIB cards offer a special rate on balance transfers, from store or non- AIB cards up to € 5,000, that stays in place for 12 months after you open the credit card account. · 24- hour service. · Flexibility to decide how much you want to repay. You have to repay at least the minimum amount ( 3% or € 6.35, whichever is greater) each month. If you clear your balance in full and on time each month, you can avoid paying interest.

Interested in switching you mortgage, current account or credit card to AIB?

Talk to Marie Mullowney, AIB Sligo on 086 7851950 or email marie. n. mullowney@ aib. ie or Talk to Billy Leahy, AIB Tubbercurry on 086 7852572 or email billy. b. leahy@ aib. ie .