Daily Banking Interest Rates

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Related information:

First Trust Bank Base rate 0.50% (previous rate 1.00%), effective from close of business 5 March 2009.

Plus Account - effective from close of business 17.02.09
	Current Gross* Rate	Current AER**	Previous Gross* Rate	Previous AER**

Credit balances	Payable monthly		Payable quarterly
�0-�1,200***	0.10%	0.10%	0.25%	0.25%
Debit balances	Authorised Base rate + 5.00% Unauthorised Base rate + 5.00% +1.50% per month# (minimum �2 per month)

Packaged Account - effective from close of business 20.01.09
	Current Gross* Rate	Current AER**	Previous Gross* Rate	Previous AER**

Credit balances	Payable monthly		Payable quarterly
�0-�1,999	0.05%	0.05%	0.05%	0.05%
�2,000-�9,999	0.05%	0.05%	0.05%	0.05%
�10,000+	0.10%	0.10%	0.25%	0.25%
Debit balances	Authorised Base rate + 9.00% Unauthorised Base rate + 9.00% +1.50% per month# (minimum �2 per month)

Classic Account - effective from close of business 20.03.09

					Debit balances	Authorised Base rate + 12.00% Unauthorised Base rate + 12.00% +1.50% per month# (minimum �2 per month)

Premier Account - effective from close of business 20.03.09
	Current Gross* Rate	Current AER**	Previous Gross* Rate	Previous AER**

Credit balances	Payable monthly		Payable quarterly
�0-�999	0.10%	0.10%	0.15%	0.15%
�1,000-�4,999	0.15%	0.15%	0.25%	0.25%
�5,000-�9,999	0.15%	0.15%	0.25%	0.25%
�10,000+	0.25%	0.25%	0.50%	0.50%
Debit balances	Authorised Base rate + agreed rate Unauthorised Base rate + agreed rate +1.50% per month# (minimum �2 per month)

Junior Saver Account - effective from close of business 31.08.11
	Current Gross* Rate	Current AER**	Previous Gross* Rate	Previous AER**

Credit balances	Payable quarterly
All credit balances	1.00%	1.00%	0.05%	0.05%

Student 11-18 Account - effective from close of business 31.08.11
	Current Gross* Rate	Current AER**	Previous Gross* Rate	Previous AER**

Credit balances	Payable quarterly
All credit balances	1.00%	1.00%	0.05%	0.05%

Masterplan Account

Debit balances	Authorised Base Rate + 8.00%

*Gross stands for contractual rate of interest payable before the deduction of income tax at the rate specified by law

**AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

*** Credit Interest will be earned each month when a minimum monthly lodgement(s) of �1,200 is made. No credit interest is paid on balances over �1,200.

All rates are variable (can change from time to time).

Subject to certain exceptions, interest will be paid net after deduction of tax at the basic rate under current legislation. If you are a higher rate taxpayer you may have additional tax to pay.

All lending facilities (including regulated Consumer Credit agreements) with a rate of interest linked to First Trust Bank base rate will be varied accordingly when base rate moves.

# Effective from 14 September 2009.

Financial Services Compensation Scheme

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First Trust Bank is a trademark of AIB Group (UK) p.l.c. (a wholly owned subsidiary of Allied Irish Banks, p.l.c.), incorporated in Northern Ireland. Registered Office, 4 Queen's Square, Belfast, BT1 3DJ. Registered Number, NI 18800. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. First Trust Bank is covered by the Financial Services Compensation Scheme, established under the Financial Services and Markets Act 2000.

First Trust Bank subscribes to the Lending Code and is covered by the Financial Ombudsman Service. Details of the Lending Code are available on request from any First Trust Bank branch or from the Lending Standards Board.

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