Credit Union Application Form

How to complete the form

1 Please use a
BLACK pen 2 Mark boxes like this
If you make a mistake, do this
3 Please use BLOCK CAPITAL
LETTERS and leave one
A 2
space between each word
and mark the correct box

Contents Documents you will need to show us

This application form includes: After you submit your application we will ask to see one item
• Credit Union application from each of the following two lists (plus the same for any
• Data Protection Notice other beneficial owners). Please note you can use Current UK
• Account Mandate – Authorised Signatories and Declaration photo card driving licence to confirm both your identity and
• Bank Use Only section (we will fill out these three pages) address.
• Customer information section (you will need to read If you are unable to provide documents from the following
and retain this section) – this contains Financial Services lists, please speak with the individual you have been liaising
Compensation Scheme – Depositor Information sheet and with to discuss other documents that you may be able to
Exclusions List provide.

Your identity:
• Current passport
Three easy steps to open a business account • Current UK photocard driving licence
• Current EEA National Identity Card
STEP 1
Complete this application form and mandate in full. Your Address:
​• Current UK photocard Driving Licence
• Utility Bill dated within the last three months
STEP 2
• Bank or building society statement dated within the last three
Gather all additional supporting documents and information
months
that may be required. • A local authority or tax bill valid for current year

STEP 3 Business Documents:

Return documentation to the individual you have been ​• Cash flow/business plan
liaising with, by Secure Email for review (instruction provided • Most recent audited/certified accounts together with bank
separately) then by post. statements for three months
• Certificate of Registration
• Book of Rules (if available)
Business Debit Card information
For non-UK principals, we can only accept passport, driving
For further information on our Business Debit Card please go licence and Identity Card. Please provide two of these
to our website: www.firsttrustbank.co.uk/businessdebitcard documents.

Data Protection

For information in relation to how we collect personal

information about you, how we use it and how you can
interact with us about it, see our Data Protection Notice online
at https://aibni.co.uk/data-protection. It may change from time
to time.

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1. About your business

What is the name of your business?

(As on the Certificate of Incorporation – if
applicable)

Registered name / Trading name

(As per the certificate of registration of that
business name, only complete if different to the
business name above)

What is the legal status of

Limited Company Club / Society
the business? (Tick all that are applicable)

Other, please state

Company Number (if applicable)

Country of Registration

Registered office and address

(if applicable)

VAT Number (if applicable)

FCA registration number

(if registered with the Financial Conduct Authority)
Day Month Year
When did your business start /
What is the anticipated start date? / /

Running your business:

How many employees does the business have?

Current bankers

If Applicable, please complete the section below if you are happy for us to engage with your solicitor/accountant in relation to
your account

Current solicitors

Current accountants

Contact details for your business

Trading address/general
correspondence address
(if different from registered office)

Contact name

Telephone number (including area code)

Mobile number

Business Email address

Business website address

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Business Activity - brief outline of the nature of your business

To satisfy our legal obligations we are obliged to ascertain the following:

Source of Company capital

Anticipated annual turnover for the next 12 months:

a. Overall

b. Through AIB Group (UK) p.l.c.

Does the business deal with third parties outside the UK? Yes No
If yes, please specify trading
countries

Purpose for opening Account(s) Trading Business Lending Other (please specify below)

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2. Tax Certification Form for Business Customers

Organisation Name

Tax Reporting - Customer Information Notice

Under UK tax law we need you to confirm some details for us.
We have to identify and in certain cases report to HMRC the details of accounts held by customers and in certain circumstances
their controlling persons if they are US Persons and/or tax resident outside the UK. We use the information collected from
customers to determine whether or not the customer and where relevant their controlling persons should be included in the
report to HMRC.
The details that may be shared with HMRC in relation to the entity and where relevant its controlling persons include: name,
address, tax status, tax residence, tax identification number, date of birth/place of birth (where relevant), account number,
account balance at year end and interest paid or credited to the account during the calendar year. HMRC may share this
information of each account held by the entity with other tax authorities. The legislation under which we request and share this
information is the Foreign Account Tax Compliance Act (FATCA) and the Common Reporting Standard (CRS), as incorporated into
UK law.
Please complete all sections of this form. If we do not get the information, we may not be able to open the account.
We cannot provide tax advice, however you can get more information from your tax advisor or on the Automatic Exchange of
Information portal on the HMRC website.
If there is a change in the entity’s tax status and/or where relevant the information provided in relation to its controlling persons,
please let us know.

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 Section A - FATCA

US Foreign Account Tax Compliance Act (FATCA)*

Sections marked with an * are mandatory and must be completed in full

Indicate Entity Type

When providing answers to the questions below refer to the online Entity Classification Guide for definitions of each entity
type (FATCA section). This guide is available at https://aibni.co.uk/help-and-guidance/important-information/FATCA

All entities must complete question 1 and follow the instructions thereafter.

1. Is your entity a US Person (under FATCA - see page 2 of our guide)?

a Specified US Person — You must provide a US TIN (Tax Identification Number) and go to Section B.

Neither (Progress to Question 2)

US TIN

b Other US Person — If you have selected (b) go to Section B.

c None of the above — Select one of the entity types in questions 2 or 3 below.

2. Is your entity a Non-Financial Foreign Entity (NFFE) (under FATCA - see page 4 of our guide)? – Note that ‘foreign’ here
refers to non-US.

Yes – If so, is it an Active NFFE or a Passive NFFE?

a Active NFFE — If you have selected (a) go to Section B.

b Passive NFFE — If you have selected (b) go to Section B and complete the certification details of the controlling
persons.

No – If no, then select one of the entity types in question 3 below.

3. Is your entity a Financial Institution (under FATCA - see page 3 of our guide)?

Select the applicable option below and go to Section B.

a Certified Deemed Compliant Financial Institution

b Registered Deemed Compliant Financial Institution

c Partner Jurisdiction Financial Institution (including UK Financial Institution)

d 
Participating Financial Institution
If you have selected (b), (c) or (d) you must provide a GIIN (Global Intermediary Identification Number).

GIIN

e Exempt Beneficial Owner

(Examples: UK Governmental Organisations, the Central Bank of England, the UK offices of certain International
Organisations and certain retirement / pension funds)

f Non-Participating Financial Institution

(This is a Financial Institution which is considered non-compliant with FATCA)

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 Section B - CRS

Common Reporting Standard (CRS)*

Sections marked with an * are mandatory and must be completed in full

Country of Tax Residence:

If your entity is not tax resident in any jurisdiction (for example, because it is fiscally
transparent), please provide its place of effective management or country in which its
principal office is located. Please refer to the Automatic Exchange of Information portal
on the HMRC website for more information on tax residence.

Tax Identification Number (TIN):

A TIN for the entity must be provided unless the entity is tax resident in the UK or a
country that does not provide a TIN.

Indicate Entity Type

When providing answers to the questions below refer to the online Entity Classification Guide for definitions of
each entity type. This guide is available at https://aibni.co.uk/help-and-guidance/important-information/FATCA. The
information provided in this section is for CRS and this classification may differ from the entity’s FATCA classification in
Section A.

All entities must select one of the options listed in questions 1 or 2 below.

1. Is your entity a Non-Financial Entity (NFE) (under CRS - see pages 6 & 7 of our guide)?

Yes – If so select the applicable option below

a Active NFE other than the types listed in 1(b) below.

b Active NFE of the types listed below:
• Governmental Entity
• International Organisation
• Central Bank
• A corporation, the stock of which is regularly traded on one or more established securities markets or any
corporation that is a Related Entity of such corporation.
c Passive NFE — If this option is selected, please complete the certification details of the controlling persons.

No – If no, then select one of the entity types in question 2 below.

2. Is your entity a Financial Institution (under CRS - see page 6 of our guide)?


If yes select the applicable option below.

If the entity is an Investment Entity 2(b), please complete the certification details of the controlling persons.

a Financial Institution – Depository Institution, Custodial Institution, Specified Insurance Company or Investment
Entity other than that described in 2(b) below.
b Investment Entity that meets the following conditions:
• Not resident in a Participating Jurisdiction; and
• Gross income is primarily attributable to investing, reinvesting, or trading in Financial Assets; and
• Managed by another Financial Institution as described in 2(a) above.

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 Important Note: Controlling Persons section need only be completed by an entity that is a (1) Passive
NFFE under FATCA (See Section A) and (2) Passive NFE under CRS (See Section B) or Investment Entity
under CRS (See Section B, Q2(b))

Certification of Controlling Persons

If the account holder has more than four controlling persons, print additional copies of these pages and submit them with
this application form.

Name:

Address:

Day Month Year

Date of Birth / /

Country of Birth

Is the Controlling Person a US Citizen? Yes No

If the controlling person is a US citizen, please include the US as one of the countries below and the controlling persons
US Tax Identification Number (TIN) which is typically their social security number. All persons born in the US are US citizens
unless born to a foreign diplomat. If the controlling person was born to foreign diplomats or has relinquished their US
citizenship please attach the appropriate evidence.

In what country(ies) is the Controlling Person tax resident?

Where the controlling person is tax resident in any country other than the UK, we require the corresponding
TIN for each country unless the controlling person is tax resident in a country that does not provide a TIN.

Country of Tax Residence Country of Tax Residence Country of Tax Residence

Tax Identification Number Tax Identification Number Tax Identification Number

Name:

Address:

Day Month Year

Date of Birth / /

Country of Birth

Is the Controlling Person a US Citizen? Yes No

If the controlling person is a US citizen, please include the US as one of the countries below and the controlling persons
US Tax Identification Number (TIN) which is typically their social security number. All persons born in the US are US citizens
unless born to a foreign diplomat. If the controlling person was born to foreign diplomats or has relinquished their US
citizenship please attach the appropriate evidence.

In what country(ies) is the Controlling Person tax resident?

Where the controlling person is tax resident in any country other than the UK, we require the corresponding
TIN for each country unless the controlling person is tax resident in a country that does not provide a TIN.

Country of Tax Residence Country of Tax Residence Country of Tax Residence

Tax Identification Number Tax Identification Number Tax Identification Number

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 Important Note: Controlling Persons section need only be completed by an entity that is a (1) Passive
NFFE under FATCA (See Section A) and (2) Passive NFE under CRS (See Section B) or Investment Entity
under CRS (See Section B, Q2(b))

Certification of Controlling Persons (cont’d)

Name:

Address:

Day Month Year

Date of Birth / /

Country of Birth

Is the Controlling Person a US Citizen? Yes No

If the controlling person is a US citizen, please include the US as one of the countries below and the controlling persons
US Tax Identification Number (TIN) which is typically their social security number. All persons born in the US are US citizens
unless born to a foreign diplomat. If the controlling person was born to foreign diplomats or has relinquished their US
citizenship please attach the appropriate evidence.

In what country(ies) is the Controlling Person tax resident?

Where the controlling person is tax resident in any country other than the UK, we require the corresponding
TIN for each country unless the controlling person is tax resident in a country that does not provide a TIN.

Country of Tax Residence Country of Tax Residence Country of Tax Residence

Tax Identification Number Tax Identification Number Tax Identification Number

Name:

Address:

Day Month Year

Date of Birth / /

Country of Birth

Is the Controlling Person a US Citizen? Yes No

If the controlling person is a US citizen, please include the US as one of the countries below and the controlling persons
US Tax Identification Number (TIN) which is typically their social security number. All persons born in the US are US citizens
unless born to a foreign diplomat. If the controlling person was born to foreign diplomats or has relinquished their US
citizenship please attach the appropriate evidence.

In what country(ies) is the Controlling Person tax resident?

Where the controlling person is tax resident in any country other than the UK, we require the corresponding
TIN for each country unless the controlling person is tax resident in a country that does not provide a TIN.

Country of Tax Residence Country of Tax Residence Country of Tax Residence

Tax Identification Number Tax Identification Number Tax Identification Number

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3. Who
 runs the Credit Union
Details of Director/Chairman as well as the Secretary, Treasurer, Assistant Treasurer a Committee Member and authorised
signatories.
Please insert details below of the individual who owns or Please insert details below of the individual who owns or
runs the business of: (insert FULL business/company name) runs the business of: (insert FULL business/company name)

Title (Mr, Mrs, Miss, Ms, other) Title (Mr, Mrs, Miss, Ms, other)
First name First name

Middle name Middle name

Surname Surname

Your current home address Your current home address

Day Month Year Day Month Year

Date of birth / / Date of birth / /

Country of birth Country of birth

Position in the business Position in the business

Director/Chairman Secretary Director/Chairman Secretary
Treasurer/Assistant Committee Member/ Treasurer/Assistant Committee Member/
Treasurer Authorised Signatory Treasurer Authorised Signatory

Please insert details below of the individual who owns or Please insert details below of the individual who owns or
runs the business of: (insert FULL business/company name) runs the business of: (insert FULL business/company name)

Title (Mr, Mrs, Miss, Ms, other) Title (Mr, Mrs, Miss, Ms, other)
First name First name

Middle name Middle name

Surname Surname

Your current home address Your current home address

Day Month Year Day Month Year

Date of birth / / Date of birth / /

Country of birth Country of birth

Position in the business Position in the business

Director/Chairman Secretary Director/Chairman Secretary
Treasurer/Assistant Committee Member/ Treasurer/Assistant Committee Member/
Treasurer Authorised Signatory Treasurer Authorised Signatory
Please use photocopies if additional sheets are required for the details of all Director/Chairman as well as the Secretary, Treasurer, Assistant Treasurer, a
Committee Member and authorised signatories.

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4. What products and services do you require?

Let us know what kind of business account you require and which services you would like to accompany that account:

Daily Banking Services Deposit Accounts Borrowings

Current Account Fixed Term Deposit Fixed Rate Loan

Client Account Overdraft

Term Loan
Asset Finance

International Banking Services Visa Electonic Banking Services

Currency Account Company Visa Credit Card iBusiness Banking (iBB)*
Merchant Facilities Online services*
*Visit firsttrustbank.co.uk/business/ways-to-bank to choose the electronic banking service that best meets your needs

Statement requirement
When do you wish to receive your current account statements? Monthly Weekly

If monthly, on which date of the month would you like your statement to be issued?

Addtional requirements
Do you require a cheque book? Yes No

Do you require a lodgement book? Yes No

Do you require a Post Office Cash Deposit Card? Yes No

If yes, number of cards required

Account title for cheque

and lodgement books
(ensure one letter per box only)
(Please indicate how you would like your Credit Union’s name to appear on your cheque and lodgement books. The full company name as detailed in the Certificate of
Incorporation must appear)

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5. Data Protection Notice - AIB Group (UK) plc

Effective 1 April 2021 6. Meeting our legal and regulatory obligations

To use your information lawfully, we rely on one or more of the
We respect your trust in us to use, store and share your following legal bases:
information. In this notice, we explain how we collect personal • performance of a contract;
information about you, how we use it and how you can interact • legal obligation;
with us about it. • protecting the vital interests of you or others;
• public interest;
We try to keep this notice as simple as possible but if you are
• our legitimate interests; and
unfamiliar with our terms, or want more detail on any of the
• your consent.
information here, please see our website’s Frequently Asked
Questions section or our contact details at aibni.co.uk/data- To meet our regulatory and legal obligations, we collect some
protection or www.aibgb.co.uk/Data-protection. of your personal information, verify it, keep it up to date through
You can also ask for more details at your local branch. regular checks, and delete it once we no longer have to keep
it. We may also gather information about you from third parties
1. Who we are to help us meet our obligations. If you do not provide the
In this notice, ‘we’, ‘us’ and ‘our’ refers to AIB Group (UK) p.l.c. information we need, or help us keep it up to date, we may not
which includes AIB (NI), Allied Irish Bank (GB) and be able to provide you with our products and services.
Allied Irish Bank (GB) Savings Direct, and AIB Group which
refers to Allied Irish Banks, p.l.c., its subsidiaries, affiliates and 7. Consent
their respective parent and subsidiary companies. For more Sometimes we need your consent to use your personal
information about our group of companies, please visit information. With direct marketing for example, we need your
www.aibgroup.com. consent to make you aware of products and services which may
We share your information within AIB Group to help us provide be of interest to you. We may do this by phone, post, email, text
our services, comply with regulatory and legal requirements, and or through other digital media.
improve our products. You can decide how much direct marketing you want to
accept when you apply for new products and services. If we
2. Data Protection Officer ever contact you to get your feedback on ways to improve our
Our Data Protection Officer oversees how we collect, use, share products and services, you have the choice to opt out.
and protect your information to ensure your rights are fulfilled.
You can contact our Data Protection Officer at [email protected] When we use sensitive personal information about you, such as
or by writing to them at: Data Protection Officer, AIB Group (UK) medical or biometric data, we ask for your consent. Before you
p.l.c., 92 Ann Street, Belfast, BT1 3HH. give your consent, we tell you what information we collect and
what we use it for. You can remove your consent at any time by
3. How we collect information about you contacting us.
We collect personal information from you, for example when
you open an account; make a deposit; apply for products and 8. How we use your information
services; use your credit or debit card; complete transactions; or We use information about you to:
look for advice. We also collect information through our website, • provide relevant products and services;
apps, social media, discussion forums, market research and CCTV • identify ways we can improve our products and services;
footage. We will sometimes record phone conversations and we • maintain and monitor your products and services;
will always let you know when we do this. • protect both our interests;
We may collect information to identify you through voice, facial • meet our legal and regulatory obligations; and
or fingerprint (biometric data) recognition technology. We always • decide and recommend how our products and services might
ask for your consent to do this. be suitable for you.

Our websites use ‘cookie’ technology. A cookie is a little piece of To provide our products and services under the terms and
text that our server places on your device when you visit any of conditions we agree between us, we need to collect and use
our websites or apps. They help us make the sites work better personal information about you. If you do not provide this
for you. personal information, we may not be able to provide you with
our products and services.
When you apply to us for products and services, and during the
time you use these, we carry out information searches and verify We analyse the information that we collect on you through
your identity. We do this by sending and receiving information your use of our products and services and on our social media,
about you to and from third parties including credit reference apps and websites. This helps us understand your financial
agencies and fraud prevention agencies. We and these agencies behaviour, how we interact with you and our position in a
may keep records of our searches whether or not the product or market place. Examples of how we use this information includes
service goes ahead. helping protect you and others from financial crime, offering you
products and services and personalising your experience.
4. How we keep your information safe
We protect your information with security measures under the We may report trends we see to third parties. These trend
laws that apply and we meet international standards. We keep reports may include information about activity on devices, for
our computers, files and buildings secure. example mobile phones, ATMs and self-service kiosks, or card
spend in particular regions or industries. When we prepare
When you contact us to ask about your information, we may ask
these reports, we group customers’ information and remove
you to identify yourself. This is to help protect your information
any names. We do not share information in these reports that
can identify you as a customer, such as your name, or account
5. How long we keep your information
To meet our legal and regulatory obligations, we hold your details.
information while you are a customer and for a period of time We sometimes use technology to help us make decisions
after that. We do not hold it for longer than necessary. automatically. For example, when you apply for a loan online.

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Before we make a decision, we automatically score the Removing consent: You can change your mind wherever you
information you give us, any information we already hold about give us your consent, such as for direct marketing, or using your
you, and any information we may get from other sources. sensitive information, such as medical or biometric data.
Restricting and objecting: You may have the right to restrict or
9. Your information and third parties object to us using your personal information or using automated
Sometimes we share your information with third parties. decision making.
For example to: Deleting your information (your right to be forgotten). You may
• provide products, services and information; ask us to delete your personal information.
• analyse information;
• research your experiences dealing with us; Moving your information (your right to Portability). Where
• collect debts; possible we can share a digital copy of your information directly
• sell your debts; with you or another organisation.
• sell whole or part of our business; When you contact us to ask about your information, we may ask
• prevent financial crime; you to identify yourself. This is to help protect your information.
• help trace, investigate and recover funds on your behalf;
We generally do not charge you when you contact us to ask
• trace information; and
about your information.
• protect both our interests.
In order to process your application we will supply your personal 12. Making a complaint
information to credit reference agencies (CRAs) and they will If you have a complaint about the use of your personal
give us information about you, such as about your financial information, please let a member of staff in your branch (or
history. We do this to assess creditworthiness and product service outlet) know, giving them the opportunity to put things
suitability, check your identity, manage your account, trace and right as quickly as possible. If you wish to make a complaint
recover debts and prevent criminal activity. you may do so in person, by telephone, in writing and by
email. Please be assured that all complaints received will be
We will also continue to exchange information about you with fully investigated. You can register a complaint through our
CRAs on an ongoing basis, including about your settled accounts contact centre, our branches, our Website, by phone, by email
and any debts not fully repaid on time. CRAs will share your or in person at your branch. We ask that you supply as much
information with other organisations. Your data will also be information as possible to help our staff resolve your complaint
linked to the data of your spouse, any joint applicants or other quickly.
financial associates.
You can also contact the Information Commissioner’s Office at
The personal information we have collected from you will be www.ico.org.uk
shared with fraud prevention agencies who will use it to prevent
fraud and money-laundering and to verify your identity. If fraud 13. Updates to this notice
is detected, you could be refused certain services, finance or We will make changes to this notice from time to time,
employment. particularly when we change how we use your information, and
Further details of the CRA’s and fraud prevention agencies, change our technology and products.
and how they process your information can be found at our You can always find an up-to-date version of this notice on our
websites. website at aibni.co.uk/data-protection or
We expect these third parties to have the same levels of www.aibgb.co.uk/Data-protection. You will also find a copy on
information protection that we have. display at your local branch, or you can ask us for a copy.

We also have to share information with third parties to meet

any applicable law, regulation or lawful request. When we
believe we have been given false or misleading information,
or we suspect criminal activity we must record this and tell law Marketing Options:
enforcement agencies, which may be either in or outside the UK. From time to time, AIB Group would like to tell you about offers,
products and services available from us and carefully selected
10. International transfers of data third parties. Please tell us below if you are happy for us to contact
We may transfer your personal information outside of the United you, and by which methods. If you later decide to change these
Kingdom (UK) and the European Economic Area (EEA) to help preferences, you may contact us at any time.
us provide your products and services. We expect the same
standard of data protection is applied outside of the UK and EEA
to these transfers and the use of the information, to ensure your By phone Yes No
rights are protected.

11. Your personal information rights By post Yes No

You will find information about your rights, when they apply
and our responsibility to you on our website’s Frequently Asked
Questions section.
By email Yes No
You can exercise your rights by calling into a branch, using
our social media channels, phoning or writing to us. Further
information and our contact details are available on our websites
at aibni.co.uk/data-protection or
www.aibgb.co.uk/Data-protection
We can help you with:
Accessing your personal information: You can ask us for a copy
of the personal information we hold. You can ask us about how
we collect, share and use your personal information.
Updating and correcting your personal details.

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6. Account Mandate - Authorised Signatories and Declaration

Section A: Drawing instructions - Authorised signatories

As an Authorised Signatory listed in the table below you should not sign this form until you have read and understood the Data
Protection Notice.
The Bank is hereby authorised to accept instructions of
of the following:
(Tick one)
Any One Any Two All

Name
Position / Title
Day Month Year
Specimen Signature Date / /

Name
Position / Title
Day Month Year
Specimen Signature Date / /

Name
Position / Title
Day Month Year
Specimen Signature Date / /

Name
Position / Title
Day Month Year
Specimen Signature Date / /

Name
Position / Title
Day Month Year
Signature Date / /

Name
Position / Title
Day Month Year
Specimen Signature Date / /

Name
Position / Title
Day Month Year
Specimen Signature Date / /

(Account Declaration on next page)

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Section B: Account Declaration
We certify that a meeting of the *Directors/Committee (*deleted as appropriate) of
*presently in the course of
formation (*delete as appropriate) (‘the Credit Union’) held on the / / the following resolutions
were passed:-
1. That AIB Group (UK) Plc t/a First Trust Bank (‘the Bank’), be and is hereby appointed to act as Banker to the Credit Union*,
(during the period of its formation). (*delete as appropriate)
2. That the Bank be and is hereby requested and authorised to open/continue (*delete as appropriate) such account(s) in the
name of the Credit Union as may be considered appropriate for the receipt and disbursement of the Credit Union’s money
whether on interest bearing deposit or otherwise and to give effect to any order, direction, request or instruction expressed
to have been made or given by the Credit Union relating to drawings on or withdrawals or transfers from such account(s)
from time to time originated by cheque, bill, note, acceptance, instrument, order (including a standing order and a banker’s
order) debit (including direct debit), request, instruction or receipt, as the case may be, appropriate to the particular type of
account, effected, made or given in accordance with the drawing instructions in Section A hereof and notwithstanding that
such account(s) be overdrawn by such payments or otherwise.
3. That this mandate having been notified to the Bank shall remain in force *(pending registration) (*delete as appropriate)
unless and until altered or varied by new instructions given pursuant to a decision of the Committee/Directors (*delete as
appropriate) advised to the Bank in writing (in the form of a certified extract from the minutes of the relevant meeting) under
the hand of the signatories hereto whereupon such new or supplemental instructions giving effect to such decision (to the
extent that the same shall be at variance or inconsistent therewith) shall replace or alter, as the case may be, the instructions
herein contained.
4. That the Bank *(on registration being effected) (*delete as appropriate) be furnished with the Certificate of
Acknowledgement of the Registration of the Credit Union under the Industrial and Provident Societies Act (Northern
Ireland) 1969 and 1985 (for sighting purposes only) and a print of the Rules of the Credit Union, together with the details of
a Committee Member, Secretary, Treasurer and Assistant Treasurer of the Credit Union and that the Bank be informed by
notice in writing, signed by the Secretary as soon as may be, of any change taking place from time to time by the Committee
Members, Secretary, Treasurer and Assistant Treasurer of the Credit Union.
5. In the event of any cheque, bill, note, pay order or other instrument lodged by the *Committee/Directors (*Delete as
appropriate) or on its instructions with the Bank or the Bank’s appointed agents for collection and crediting to any such
account (s) being dishonoured on presentation or of the Bank being obliged for any justifiable reason (of which the Bank’s
decision shall be conclusive) to repay the proceeds thereof after collection to any person whether claiming as true owner,
drawer, drawee, endorsee or otherwise, the Bank are hereby irrevocably authorised to debit the amount to any such
account(s), together with all fees and charges incurred in connection therewith.
6. That all statements supplied by you setting out transactions on the account(s) be examined by the *Committee/Directors
(*Delete as appropriate) and it is hereby agreed that unless you receive objections in writing to any of the matters contained
in such statements within 21 days of the date of such statements, the *Committee/Directors (*Delete as appropriate) shall
be deemed conclusively to have accepted all the matters contained in such statements as true and accurate in all respects.
7. That this Mandate, having been notified to the Bank, shall remain in force unless and until altered or varied by new
instructions given pursuant to a decision of the Board/Committee advised to the Bank in writing (in the form of a certified
extract from the minutes of the relevant meeting or in a new Mandate form as may be appropriate) under the hand of a
Director/Chairman and countersigned by the Secretary whereupon such new instructions giving effect to such decision
(to the extent that the same shall be at variance or inconsistent therewith) shall replace or alter, as the case may be, the
instructions herein contained.

14 of 19
Indemnity
In consideration of the Bank acting and/or continuing to act as agent on our behalf for the clearing of cheques and other
instruments notwithstanding that the Cheques Act 1992 imposes certain restrictions on the transferability of certain types of
cheques we hereby request and authorise the Bank to collect and/or continue to collect on our behalf and/or accept for the
credit of our account(s) cheques which are not payable to
with or without endorsement and
notwithstanding any particular directions or crossings on any such instruments and notwithstanding that these may be crossed
“account payee” or “account payee only” or otherwise as “not negotiable” and made payable to members of
.
We shall only present such cheques where we are satisfied of our right to receive payment of the said cheque(s).The Bank
is hereby authorised in its absolute discretion to refuse to collect any cheque presented to you under this undertaking and
indemnity without any liability on the Bank for so doing.
In consideration of the Bank acting and/or continuing to act as agent on our behalf for the encashment of cheques in our
Branch only and other instruments
notwithstanding that the Cheques Act 1992 imposes certain restrictions on the transferability of certain types of cheques we
hereby request and authorise the Bank to encash and/or continue to encash cheques which are drawn on our accounts with or
without endorsement and notwithstanding any particular directions or crossings on any such instruments and notwithstanding
that these may be crossed “account payee” or “account payee only” or otherwise as “not negotiable” and made payable to
various payees notwithstanding that the payees may or may not hold accounts with the Bank. The Bank is hereby authorised in
its absolute discretion to refuse to encash any cheque presented to it under this undertaking and indemnity without any liability
on it for so doing.
We hereby indemnify the Bank and keep the Bank indemnified from and against all claims demands actions losses damages
costs charges and expenses which it may incur or suffer by virtue of it agreeing to the above arrangements and we undertake
to reimburse the Bank on demand with any amounts which it may claim from us arising from such indemnity failing which the
Bank is hereby irrevocably authorised to debit any such sums to our account(s) with the Bank.
We have read and understand the Data Protection Notice.
We confirm the validity of the Authorised Signatories listed in Section A above.
We confirm that the information contained in this application is true and correct.
We confirm that we have had an opportunity to read and I/we accept, on behalf of the Credit Union, all the terms and
conditions of the Account(s), and that we are duly authorised to accept such terms and conditions on behalf of the Credit Union.
Where We have opened a current account, deposit account or currency account We acknowledge receipt of the Financial
Services Compensation Scheme (FSCS) Depositor Information Sheet and Exclusions List.
By signing below, I/we certify authorisation to provide the information in this form and that such information is correct. I/we
undertake to provide a copy of the Tax Reporting – Customer Information Notice to all persons whose information is provided
prior to providing their information to AIB.
I/we acknowledge that the information contained in this form and information regarding the account holder, and where relevant
the account holder’s controlling persons may be reported to tax authorities of another country or countries in which the account
holder and/or where relevant the account holder’s controlling persons may be tax resident.
I/we, on behalf of the account holder, undertake to advise AIB promptly and provide an updated Tax Certification Form within
30 days where any change in circumstance occurs which affects the tax residency status of the account, or causes any of the
information contained in this form to be incorrect including any changes to the controlling persons information.
A person with authority to sign a Credit Union Application Form generally includes an officer or director and any other person
that has been provided written authorisation by the account holder to sign documentation on such person’s behalf.

Name
Position / Title
Day Month Year
Signature Date / /

Name
Position / Title
Day Month Year
Signature Date / /

15 of 19
Definitions of Controlling Persons by Legal Entity

Company
‘Any individuals who ultimately own or control 25% or more of the shares or voting rights in the company or otherwise exercise
control over the management of the company.
In circumstances where no individual owns or controls 25% or more of the shares or voting rights in the Company or otherwise
exercises control over the management of the Company, then details of the two individuals who hold the greatest percentage
of shares or voting rights in the Company or otherwise exercise control must be provided. For example, if 5 shareholders own or
control equal shares (20%) of a Company then the details for any 2 individuals must be provided to the Bank.

Incorporated Society
‘Any individual who ultimately own or control 25% or more of the shares or voting rights in the incorporated society or otherwise
exercise control over the management of the incorporated society.
In circumstances where no individual(s) ultimately own or control 25% or more of the shares or voting rights in the incorporated
society or otherwise exercises control over the management of the incorporated society, details for the 2 individuals who hold
the greatest percentage of shares or voting rights in the incorporated society or otherwise exercise control must be provided.
For example, if 5 shareholders own or control equal shares (20%) of an Incorporated Society then the details for any 2 individuals
must be provided to the Bank.

Partnership
‘Any individuals who ultimately own or control a 25% or more share of the capital, or profits or voting rights in the partnership, or
who otherwise exercise control over the management of the partnership’.

Limited Partnership
‘Any individuals who ultimately own or control a 25% or more share of the capital, or profits or voting rights in the partnership, or
who otherwise exercise control over the management of the partnership’.

Unincorporated Entity (e.g. Association, Society, Club / Charity)

Any individual who benefits from or who exercises control over at least 25% or more of the property of the Unincorporated
Entity.

Other Legal Entities Within the Ownership Structure of your Business

Where there are other legal entities within the ownership structure of your Business, and they own or control 25% or more
of the shares or voting rights, capital or profit, (as applicable), or otherwise exercises control in your Business, the details for
the Controlling Persons (Beneficial Owners) of that legal entity must be provided to the Bank, and so on until the details of all
Controlling Persons (Beneficial Owners) within the ownership structure of your Business are established.

Politically Exposed Persons (PEP’s)

A Politically Exposed Person (is defined in the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the
Payer) regulations 2017 (Regulation 35(12))

The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017
(the “2017 Regulations”)

The Bank’s obligations

AIB Group (UK) p.l.c. is required to obtain details of a Politically Exposed Person’s (“PEP”) and Relative Close Associate’s (“RCA”)
(as the terms are defined in the 2017 Regulations) source of funds for the account and their source of wealth.

Your obligations
You are obliged to inform us of within fourteen days of any change to your management, governance structure or direct and
indirect beneficial ownership and control.

16 of 19
For bank use only BANK Information only

Designated Referral Account number

Sort Code
Code (if applicable)

Account 1
Account Title

Account Short
Name

Product Code

Product Name

Purpose & Reason

for Opening

Origin of Funds

Turnover

Post Office Cash Lodgement Limits Required

Daily Limit £ Rolling Annual Limit £

Source of Income
& Wealth
Account 2
Account Title

Account Short
Name

Product Code

Product Name

Purpose & Reason

for Opening

Origin of Funds

Turnover

Post Office Cash Lodgement Limits Required

Daily Limit £ Rolling Annual Limit £

Source of Income
& Wealth

17 of 19
For bank use only BANK Information only

Account 3
Account Title

Account Short
Name

Product Code

Product Name

Purpose & Reason

for Opening

Origin of Funds

Turnover

Post Office Cash Lodgement Limits Required

Daily Limit £ Rolling Annual Limit £

Source of Income
& Wealth
Account 4
Account Title

Account Short
Name

Product Code

Product Name

Purpose & Reason

for Opening

Origin of Funds

Turnover

Post Office Cash Lodgement Limits Required

Daily Limit £ Rolling Annual Limit £

Source of Income
& Wealth
Beneficiary account flag will default
to No. If yes specify reason/details

18 of 19
For bank use only BANK Information only
Intranet > Business Areas > Risk > Risk UK > Sector codes > Sector Code Selection Tool should be used to assist with correct
Bank Of England classifications

Customer Type

BoE Class

Sector

Sector Group

Sector Sub Group

Sector Code

Confirm that FSCS Information Sheet & Exclusions List been given to customer Yes No
Confirm that Summary Box been handed to customer (if applicable) Yes No

FCA Additional Metrics Reporting

Does the business have 10 or more employees? Yes No

Does the annual turnover or balance sheet exceed €2M? Yes No
If the business is a registered charity, does the turnover exceed £1M? Yes No
Is the account in scope for metrics reporting? Yes No
Day Month Year
Date full information to open the account was provided by the business / /

At the time of account opening please confirm if the customer requested the following:

Online Banking and a Card Reader Yes How Many No N/A

iBB Yes No N/A

Debit Card Yes How Many No N/A

Overdraft Yes No

Has a cheque book/ Post Office

Yes No
Lodgement Card been ordered?

Signed off by (branch official) Print Name Signature Date

Day Month Year
/ /

By signing this I confirm that all the above is correct and where necessary documents attached, confirm they are complete.

Information correct as at January 2025

The AIB logo and AIB (NI) are trade marks used under licence by AIB Group (UK) p.l.c. incorporated in Northern Ireland.
Registered Office 92 Ann Street, Belfast BT1 3HH. Registered Number NI018800. Authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

AIBNI/CUAF 01/25 19 of 19
Customer Information Section
You will need to read and retain these pages
 Financial Services Compensation
Scheme – Depositor Information Sheet

Basic information about the protection of your eligible deposits

Eligible deposits in AIB Group (UK) p.l.c. are protected by: the Financial Services Compensation Scheme (“FSCS”)(1)

Limit of protection: £85,000 per depositor per bank(2)

Your bank, AIB Group (UK) p.l.c., operates under license as AIB (NI) in
Northern Ireland and Allied Irish Bank (GB) and Allied Irish Bank (GB)
Savings Direct in Great Britain

If you have more eligible deposits at the same bank: All your eligible deposits at the same bank are “aggregated” and the
total is subject to the limit of £85,000.(2)

If you have a joint account with other person(s): The limit of £85,000 applies to each depositor separately.(3)

Reimbursement period in case of bank’s failure: 20 working days(4)

Currency of reimbursement: Pound sterling (GBP, £)

To contact AIB Group (UK) p.l.c for enquiries relating to your account AIB Group (UK) p.l.c
(trading as AIB (NI))
92 Ann Street, Belfast, BT1 3HH
†
0345 6005 925
aibni.co.uk
†
Call charges may vary – refer to your service provider

To contact the FSCS for further information on compensation: Financial Services Compensation Scheme
10th Floor Beaufort House, 15 St Botolph Street, London, EC3A 7QU
Tel: 0800 678 1100 or 020 7741 4100
Email: [email protected]

More information: http://www.fscs.org.uk

Additional information

(1) Scheme responsible for the protection of legally transferable. These are eligible deposits within 15 working days from 1 January 2019
your deposit connected with certain events including: until 31 December 2020; within 10 working days
Your eligible deposit is covered by a statutory (a) certain transactions relating to the from 1 January 2021 to 31 December 2023; and
Deposit Guarantee Scheme. If insolvency of depositor’s current or prospective only or within 7 working days from 1 January 2024
your bank should occur, your eligible deposits main residence or dwelling; onwards, save where specific exceptions apply.
would be repaid up to £85,000 by the Deposit (b) a death, or the depositor’s marriage or civil Where the FSCS cannot make the repayable
Guarantee Scheme. partnership, divorce, retirement, dismissal, amount available within 7 working days, it will,
redundancy or invalidity; from 1 June 2016 until 31 December 2023,
(2) General limit of protection (c) the payment to the depositor of insurance ensure that you have access to an appropriate
If a covered deposit is unavailable because a benefits or compensation for criminal amount of your covered deposits to cover the
bank is unable to meet its financial obligations, injuries or wrongful conviction. cost of living (in the case of a depositor which
depositors are repaid by a Deposit Guarantee More information can be obtained under is an individual) or to cover necessary business
Scheme. This repayment covers a maximum http://www.fscs.org.uk expenses or operating costs (in the case of a
of £85,000 per bank. This means that all depositor which is not an individual or a large
eligible deposits at the same bank are added (3) Limit of protection for joint accounts company) within 5 working days of a request.
up in order to determine the coverage level. In case of joint accounts, the limit of £85,000 If you have not been repaid within these
If, for instance a depositor holds a savings applies to each depositor. deadlines, you should contact the Deposit
account with £80,000 and a current account However, eligible deposits in an account Guarantee Scheme since the time to claim
with £20,000, he or she will only be repaid to which two or more persons are entitled reimbursement may be barred after a certain
£85,000. as members of a business partnership, time limit. Further information can be obtained
This method will also be applied if a bank association or grouping of a similar nature, under http://www.fscs.org.uk.
operates under different trading names. AIB without legal personality, are aggregated and
treated as if made by a single depositor for the
Other important information
Group (UK) p.l.c. also trades under AIB (NI) in
Northern Ireland and Allied Irish Bank (GB) and purpose of calculating the limit of £85,000. In general, all retail depositors and businesses
Allied Irish Bank (GB) Savings Direct in Great are covered by Deposit Guarantee Schemes.
Britain. This means that all eligible deposits
(4) Reimbursement Exceptions for certain deposits are stated
with one or more of these trading names are The responsible Deposit Guarantee Scheme is on the website of the responsible Deposit
in total covered up to £85,000. the Financial Services Compensation Scheme, Guarantee Scheme. Your bank will also inform
10th Floor Beaufort House, 15 St Botolph Street, you of any exclusions from protection which
In some cases eligible deposits which are may apply. If deposits are eligible, the bank
London, EC3A 7QU, Tel: 0800 678 1100 or
categorised as “temporary high balances” are shall also confirm this on the statement of
020 7741 4100, Email: [email protected]. It will
protected above £85,000 for six months after account.
repay your eligible deposits (up to £85,000)
the amount has been credited or from the
within 20 working days until 31 December 2018;
moment when such eligible deposits become

The AIB logo and AIB (NI) are trade marks used under licence by AIB Group (UK) p.l.c. incorporated in Northern Ireland. Registered Office 92 Ann Street,
Belfast BT1 3HH. Registered Number NI018800. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority.

AIBNI/FSCS 01-21
 Financial Services Compensation
Scheme – Exclusions List

A deposit is excluded from protection if:

(1) The holder and any beneficial owner of the deposit have never (5) It is a deposit which can only be proven by a financial instrument(2)
been identified in accordance with money laundering requirements. unless it is a savings product which is evidenced by a certificate of
For further information, contact your bank, bank building society or deposit made out to a named person and which existed in the UK,
credit union. Gibraltar or a Member State of the EU on 2 July 2014.

(2) The deposit arises out of transactions in connection with which (6) It is a deposit of a collective investment scheme which qualifies as a
there has been a criminal conviction for money laundering. small company.(3)

(3) It is a deposit made by a depositor which is one of the following: (7) It is a deposit of an overseas financial services institution which
• credit institution qualifies as a small company.(4)
• financial institution
• investment firm (8) It is a deposit of certain regulated firms (investment firms, insurance
• insurance undertaking undertakings and reinsurance undertakings) which qualify as a
• reinsurance undertaking small business or a small company(5) – refer to the FSCS for further
• collective investment undertaking information on this category.
• pension or retirement fund(1)
• public authority, other than a small local authority. (9) It is not held by an establishment of a bank, building society or
credit union in the UK or, in the case of a bank or building society
(4) It is a deposit of a credit union to which the credit union itself is incorporated in the UK, it is not held by an establishment in
entitled. Gibraltar.

For further information about exclusions, refer to the FSCS website at www.FSCS.org.uk
(1)
Deposits by personal pension schemes, stakeholder pension schemes and occupational pension schemes of micro, small and medium sized enterprises are
not excluded
(2)
As listed in Part I of Schedule 2 to the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001, read with Part 2 of that Schedule
(3)
Under the Companies Act 1985 or Companies Act 2006
(4)
See footnote 3
(5)
See footnote 3

The AIB logo and AIB (NI) are trade marks used under licence by AIB Group (UK) p.l.c. incorporated in Northern Ireland. Registered Office 92 Ann Street,
Belfast BT1 3HH. Registered Number NI018800. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority.

AIBNI/FSCS 01-21