NOTICE: PLEASE READ THESE TERMS AND CONDITIONS OF USE ("TERMS AND CONDITIONS") CAREFULLY. BY ESTABLISHING OR ACCESSING A CONNECTION TO THE ON-LINE SERVICE OPERATED BY THE ALLIED IRISH BANK ON THE WORLD WIDE WEB (THE "SITE"), OTHER THAN TO READ THESE TERMS AND CONDITIONS, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS THE SITE OR ANY PAGES OF THE SITE.

1. INFORMATION AND PROPRIETARY RIGHTS.

Copyright, and/or all proprietary rights, in the pages, graphics, and text of the Site, and in the screens presented to you, and in all material and information on the Site, is owned by Allied Irish Bank unless otherwise indicated. You may not modify, publish, transmit, create derivative works, or in any way exploit any of the content of the Site, in whole or in part. You may download copyrighted subject matter for your personal use only, and any copying, redistribution, retransmission, publication or commercial exploitation is prohibited except as otherwise expressly permitted under copyright law or by the express permission of Allied Irish Bank. Allied Irish Bank and associated logos, are registered trademarks and service marks of Allied Irish Bank.

2. USE OF THE SITE.

You may use the Site for lawful purposes only. In accessing this Site, you do so at your own risk and on your own initiative, and are responsible for compliance with local laws, to the extent any local laws are applicable. Use of this Site and/or services offered by way of this Site may be unlawful under the laws of the applicable jurisdiction pertaining to such conduct and (whether or not unlawful) constitutes breach of these Terms and Conditions and may result in, among other penalties, immediate termination of your right to use this Site. You are responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of the Site and all charges related to such equipment. You understand that Allied Irish Bank has the right at any time to change or discontinue any aspect, feature, or function of the Site, including, but not limited to, content, hours of availability, and equipment needed for access or use. Not all products and services offered through the Site will be available in all geographic areas. Your eligibility for particular products and services is subject to final Allied Irish Bank determination and acceptance.

3. CONTENT.

You acknowledge and understand that the information received via the Site including, without limitation, the opinions expressed is not guaranteed, and Allied Irish Bank is not advising you with regard to the nature, potential value or suitability of any particular asset or security, portfolio of assets or securities, transactions, investment strategy or other matter, and that no mention of a particular asset or security on this Site constitutes a recommendation to buy, sell or hold that or any other asset or security. Nothing in the Site constitutes or should be deemed to constitute an invitation to invest or otherwise deal. ANY CONTENT OR INFORMATION RECEIVED ON OR VIA THE SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, FINANCIAL OR BUSINESS DECISIONS, AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR ADVICE WHICH IS SPECIFICALLY TAILORED TO YOUR PARTICULAR CIRCUMSTANCES.

Allied Irish Bank is a distributor (and not a publisher) of certain content that is supplied by third parties through the Site. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties are those of the respective author(s) or distributor(s) and not of Allied Irish Bank. HYPERLINKS TO OTHER INTERNET RESOURCES ARE AT YOUR OWN RISK; THE CONTENT, ACCURACY, OPINIONS EXPRESSED, AND OTHER LINKS PROVIDED BY THESE SOURCES ARE NOT INVESTIGATED, VERIFIED, MONITORED, OR ENDORSED BY ALLIED IRISH BANK.

4. MESSAGES; RECORDS.

All messages, applications, mail, and information you transmit to Allied Irish Bank through the Site becomes and will remain the property of Allied Irish Bank, and Allied Irish Bank may use, for any purpose, any ideas, concepts, know-how, techniques, data, and information you provide, and may disclose such information to others, subject to applicable law and/or your agreement with Allied Irish Bank and/or any of its affiliates. Allied Irish Bank may retain records of any such transmissions for as long as Allied Irish Bank shall consider appropriate, but Allied Irish Bank shall have no duty to maintain records of transmissions other than as required by law.

5. NO LINKING.

Hypertext links to this Site, or any portion thereof, are prohibited without the written consent of Allied Irish Bank.

6. NO WARRANTY.

YOU EXPRESSLY AGREE THAT USE OF THE SITE TO TRANSMIT INFORMATION, CONDUCT TRANSACTIONS, OR FOR OTHER PURPOSES IS AT YOUR SOLE RISK. THE INFORMATION, MATERIALS, AND SERVICES PROVIDED THROUGH THE SITE, INCLUDING TEXT, GRAPHICS, LINKS, AND OTHER ITEMS, ARE PROVIDED "AS IS," "AS AVAILABLE." NEITHER ALLIED IRISH BANK NOR ANY OF ITS AFFILIATES, THIRD PARTY PROVIDERS, OR LICENSORS REPRESENT OR WARRANT THAT ACCESS TO OR TRANSMISSIONS THROUGH THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY (EXPRESS OR IMPLIED) AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SITE, OR AS TO THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SITE. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR FREEDOM FROM COMPUTER VIRUS, IS MADE BY ALLIED IRISH BANK REGARDING THE SITE, OR INFORMATION, MATERIALS, OR SERVICES PROVIDED THROUGH THE SITE. FURTHER, ALLIED IRISH BANK DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTY REGARDING THE SKILL OR EQUIPMENT USED BY ALLIED IRISH BANK IN PROVIDING SERVICES AND/OR TRANSMITTING DATA THROUGH THE SITE, IN DESIGNING THE SITE, OR IN OPERATING THE SITE.

7. LIMITATION OF LIABILITY.

ALLIED IRISH BANK SHALL NOT BE LIABLE FOR ANY DAMAGE, INJURY, LOSS, OR EXPENSE, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSSES OR EXPENSES, EVEN IF ALLIED IRISH BANK IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES, ARISING IN CONNECTION WITH THE SITE WHETHER CAUSED BY (1) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, OR ALTERATION OR USE OF RECORDS, OR (2) ERRORS, INACCURACIES, OMISSIONS, OTHER DEFECTS IN, UNTIMELINESS, OR UNAUTHENTICITY OF INFORMATION OR CONTENT PROVIDED BY, CONTAINED WITHIN, OR OBTAINED THROUGH THE SITE, OR (3) ANY OTHER FAILURE, ACTION, OR OMISSION, AND REGARDLESS OF WHETHER ARISING UNDER BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE OR UNDER ANY OTHER THEORY OR CAUSE OF ACTION.

SOME STATES DO NOT ALLOW THE DISCLAIMER OF WARRANTIES OR THE EXCLUSION OF LIABILITY FOR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU IN ALL CASES.

8. INDEMNIFICATION BY USER.

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD ALLIED IRISH BANK, HARMLESS FROM ANY LOSS, CLAIM, AND EXPENSE, INCLUDING ATTORNEY’S FEES RELATED TO ALLIED IRISH BANK’S USE OF ANY MATERIAL YOU PROVIDE AND/OR YOUR VIOLATION OF THESE TERMS AND CONDITIONS OR YOUR USE OF THE MATERIAL, SERVICES AND INFORMATION PROVIDED ON THE SITE.

9. INFORMATION.

The Allied Irish Bank Electronic Banking Center may share information about you with its affiliates. You may bar Allied Irish Bank from sharing certain information among affiliates under the Fair Credit Reporting Act at any time by writing:

Customer Support,
AIB Treasury Services,
405 Park Avenue,
New York,
NY 10022.

10. MISCELLANEOUS.

This Agreement and any operating rules for the Site established by Allied Irish Bank constitute the entire agreement of the parties with respect to the Site, except as specifically modified by the terms and conditions of another agreement you may have with any Allied Irish Bank or affiliate regarding a product or service. This Agreement shall be governed and construed under the laws of the State of New York, without regard to its conflict-of-laws rules and you agree that all legal proceedings related to the matters herein shall be adjudicated solely in the courts of New York, United States of America.

11. PRIVACY.

You have read the Site Privacy Policy, the terms of which are incorporated herein, and agree that the terms of such policy are reasonable. You consent to the use of your personal information by Allied Irish Bank and/or its third party providers and distributors in accordance with the terms of and for the purposes set forth in the Site Privacy Policy.

12. CHANGES IN THE TERMS AND CONDITIONS.

We may change these Terms and Conditions from time to time and will post notices on the Site at the time of any material changes to these Terms and Conditions. Your continues use of the Site following the posting of changes to these Terms and Conditions will mean you accept and agree to be bound by those changes.

Updated December 2004

Copyright © 2000 - 2003 Allied Irish Bank. All rights reserved.