Common use of OTHER RIGHTS TO TERMINATE THE CONTRACT Clause in Contracts

OTHER RIGHTS TO TERMINATE THE CONTRACT. You may at any time repay the balance outstanding on your card account and cancel the contract by returning your card to us in accordance with the card terms and conditions. If you fail to make any payment due to us in respect of your card or, if any of the other events of default which will be specified in the contract were to occur, we may call for the immediate repayment of the balance outstanding on your card account together with all accrued but unpaid interest thereon and all other costs and expenses payable under the contract. We may terminate the account contract by giving you at least 2 months notice in writing. GOVERNING LAW All our dealings with you, and the contract will be governed by the laws of Ireland. The following is an outline of the interest rate and fees applicable to a credit card: INTEREST RATES - All rates are variable. CARD TYPE: ICE VISA CREDIT CARD Purchases: 14.01% When Government Stamp Duty is included the Annual Percentage Rate (APR) is 17.3% Cash Advances 18.96% Balance Transfer Rate* 0% will revert to the purchase rate. Interest won’t be charged on purchases if the full balance on your statement including the balance transfer amount is paid by the due date. During the promotional period if the balance isn’t paid in full then interest will be charged daily at the applicable rate for each transaction type until your full outstanding balance is cleared.. CASH ADVANCE FEE

OTHER RIGHTS TO TERMINATE THE CONTRACT. You may at any time repay the balance outstanding on your card account and cancel the contract by returning your card to us in accordance with the card terms and conditions. If you fail to make any payment due to us in respect of your card or, if any of the other events of default which will be specified in the contract were to occur, we may call for the immediate repayment of the balance outstanding on your card account together with all accrued but unpaid interest thereon and all other costs and expenses payable under the contract. We may terminate the account contract by giving you at least 2 months notice in writing. GOVERNING LAW All our dealings with you, and the contract will be governed by the laws of Ireland. The following is an outline of the interest rate and fees applicable to a credit card: INTEREST RATES - All rates are variablevariable except for introductory rates which are fixed for the period specified. CARD TYPE: ICE VISA CREDIT CARD Purchases: 14.01* 15.00% When Government Stamp Duty is included the Annual Percentage Rate (APR) is 17.318.4% Cash Advances 18.9620.96% Balance Transfer Rate** 0% will revert to introductory rate for first 6 months *0% introductory rate applies on purchases for the first 3 months from the date of opening the account (“The Promotional Period”) after which the purchase raterate will apply to new purchases and to purchases made during the Promotional Period and not cleared. Interest won’t be charged **0% introductory rate applies on purchases if Balance Transfers for the full first 6 months from the date of opening the account after which the purchase rate will apply to any remaining balance on your statement including the balance transfer amount is paid by the due datetransferred. During the promotional period if the balance isn’t paid in full then interest will be charged daily at the applicable rate for each transaction type until your full outstanding balance is cleared.. CASH ADVANCE FEE

OTHER RIGHTS TO TERMINATE THE CONTRACT. You may at any time repay the balance outstanding on your card account and cancel the contract by returning your card to us in accordance with the card terms and conditions. If you fail to make any payment due to us in respect of your card or, if any of the other events of default which will be specified in the contract were to occur, we may call for the immediate repayment of the balance outstanding on your card account together with all accrued but unpaid interest thereon and all other costs and expenses payable under the contract. We may terminate the account contract by giving you at least 2 months notice in writing. GOVERNING LAW All our dealings with you, and the contract will be governed by the laws of Ireland. The following is an outline of the interest rate and fees applicable to a credit card: INTEREST RATES - All rates are variable. CARD TYPE: ICE VISA CREDIT CARD Purchases: 14.01% When Government Stamp Duty is included the Annual Percentage Rate (APR) is 17.3% Cash Advances 18.96% Balance Transfer Rate* 0% *Balance transfer rate applies for the first 6-months after which the rate will revert to the purchase rate. Interest won’t be charged on purchases if the full balance on your statement including the balance transfer amount is paid by the due date. During the promotional period if the balance isn’t paid in full then interest will be charged daily at the applicable rate for each transaction type until your full outstanding balance is cleared.. CASH ADVANCE FEE

OTHER RIGHTS TO TERMINATE THE CONTRACT. You may at any time repay the balance outstanding on your card account and cancel the contract by returning your card to us in accordance with the card terms and conditions. If you fail to make any payment due to us in respect of your card or, if any of the other events of default which will be specified in the contract were to occur, we may call for the immediate repayment of the balance outstanding on your card account together with all accrued but unpaid interest thereon and all other costs and expenses payable under the contract. We may terminate the account contract by giving you at least 2 months notice in writing. GOVERNING LAW All our dealings with you, and the contract will be governed by the laws of Ireland. The following is an outline of the interest rate and fees applicable to a credit card: INTEREST RATES - All rates are variable. CARD TYPE: ICE VISA CREDIT CARD Purchases: 14.0115.00% When Government Stamp Duty is included the Annual Percentage Rate (APR) is 17.318.4% Cash Advances 18.9620.96% Balance Transfer Rate* 0% *Balance transfer rate applies for the first 6-months after which the rate will revert to the purchase rate. Interest won’t be charged on purchases if the full balance on your statement including the balance transfer amount is paid by the due date. During the promotional period if the balance isn’t paid in full then interest will be charged daily at the applicable rate for each transaction type until your full outstanding balance is cleared.. CASH ADVANCE FEE