Fixed Deposit Accounts: Accounts that give you a fixed rate of interest for a defined term. potx

Fixed Deposit Accounts
Accounts that give you a fixed rate of interest for a defined term.
These rates are effective from the start of business on 1st November 2012
Available in branch
Fixed Deposit Accounts
Gross%* Gross Return*% AER%
3 Months
e5,000 - e9,999.99 1.65 0.41 1.66
e10,000 + 2.10 0.52 2.12
6 Months
e5,000 - e9,999.99 1.65 0.81 1.66
e10,000 + 2.40 1.18 2.41
12 Months
e5,000 - e9,999.99 1.95 1.95 1.95
e10,000 + 3.00 3.00 3.00
Fixed Access (16 months)
e5,000+ 3.35 3.35 2.50
Fixed Access (5 Year)
e5,000+ 11.75 11.75 2.25
Fixed Access is a fixed term account which allows one withdrawal without charge
of up to 25% of the account balance (please refer to the Terms and Conditions
brochure).
s Interest First (6 Months)
e5,000 - e9,999.99 1.65 0.81 1.67
e10,000 + 2.40 1.18 2.43
s Interest First (12 Months)
e5,000 - e9,999.99 2.00 2.00 2.04
e10,000 + 3.00 3.00 3.06
s Interest First (18 Months)
e5,000 - e9,999.99 3.25 3.25 2.22
e10,000 + 3.67 3.67 2.50

s Interest First (26 Months)
e5,000 - e9,999.99 4.38 4.38 2.08
e10,000 + 5.28 5.28 2.50
The Interest First term deposit account pays you your interest in the first month.
Available online
Fixed Deposit Accounts - Available Online
Gross*% Gross Return*% AER%
3 Months e5,000 + 2.10 0.52 2.12
6 Months e5,000 + 2.40 1.18 2.41
12 Months e5,000 + 3.00 3.00 3.00
You can only open Online Accounts by using the internet within our OPEN24
Service and you are a registered user. Once opened, you can transact on your
account by using our internet and telephone banking services. You cannot transact
on the account by visiting our branches.
* Interest on Resident Accounts is paid net of Deposit Interest Retention Tax
(DIRT), which persons aged 65 or over, or persons who are permanently
incapacitated and their respective spouses may be entitled to reclaim.
Interest is paid on maturity (excluding the Interest First Account).
A Monthly Income Option is available on the 12, 18, 24 & 60 month Fixed Term
Deposit. Minimum balance of €5,000 is required for any of the Fixed Term
Deposits.
All non-personal accounts of more than €1 million will be managed directly
by permanent tsb Treasury. For non-personal accounts of up to €1 million
different interest rates to the rates listed in this notice may apply – please ask
staff for details of rates and options available to you. All new Credit Union
accounts and rates will be managed directly by permanent tsb Treasury.
Gross Rate is the daily interest accrual rate. Gross Return is the term maturity
rate of return. Annual Equivalent Rate (AER) illustrates what the interest would
be if interest was paid and compounded each year. Our AER calculation
assumes that the account is held for a year and that the interest rate remains

constant. For Interest First fixed term deposit accounts it is also assumed that
the interest received in the first month is reinvested in the same account type at
the lower interest rate.
Deposit Interest Retention Tax (DIRT) - Accounts are subject to DIRT where
applicable.
permanent tsb p.l.c. is regulated by the Central Bank of Ireland. Publication date: 01/11/2012 BMK2328(1) (Rev 11/12)
permanent tsb p.l.c. is regulated by the Central Bank of Ireland. Publication date: 01/11/2012 BMK2328(2) (Rev 11/12)
Notice Deposit Accounts
These are variable rate accounts where you need to give a period of notice before you access your funds.
These rates are effective from the start of business on 1st November 2012
Available in branch
7 Day Notice Account
Gross*%
e0.01 - e2,999.99 0.02
e3,000.00 - e49,999.99 0.10
e50,000.00 + 0.20
21 Day Notice Investment Deposit Account
Gross*%
e0.01 - e999.99 0.02
e1,000.00 + 1.00
21 Day Notice Regular Saver Account
Gross*%
e0.01 - e50,000.99 2.85
e50,001.00 + 1.50
**Payday Saver Account
Gross*%
e0.01 - e50,000.99 2.75
e50,001.00 + 1.50
40 Day Notice Savings Account
Gross*%

e0.01 - e9,999.99 1.50
e10,000.00 + 2.40
Available online
Online Accounts
40 Day Notice Gross*%
e0.01 + 3.00
You can only open Online Accounts by using the internet within our OPEN24
Service and you are a registered user. Once opened, you can transact on your
account by using our internet and telephone banking services. You cannot transact
on the account by visiting our branches.
Closed Accounts
Notice Accounts (Gross %*) (Not available for new applicants)

30 Day 60 Day 90 Day
Notice % Notice % Notice %
e0.01 - e1,269.73 0.02 0.02 0.02
e1,269.74 - e25,394.75 0.05 0.10 0.15
e25,394.76 - e63,486.89 0.10 0.15 0.25
e63,486.90 + 0.10 0.15 0.25
Homestarter Saver Account (Not available for new applicants)
Gross*%
e0.01 - e50,000.99 3.00
e50,001.00 + 1.50
35 Day Notice Savings Account (Not available for new applicants)
Gross*%
e0.01 - e9,999.99 1.50
e10,000.00 + 2.40
All non-personal accounts of more than e1 million will be managed directly by permanent tsb Treasury. For non-personal accounts of up to e1 million different interest
rates to the rates listed in this notice may apply – please ask staff for details of rates and options available to you. All new Credit Union accounts and rates will be managed
directly by permanent tsb Treasury.

* Interest on Resident Accounts is paid net of Deposit Interest Retention Tax (DIRT), which persons aged 65 or over, or persons who are permanently incapacitated and
their respective spouses may be entitled to reclaim.
** Not available for branch opening. Can only be opened at affinity work sites.
Annual Equivalent Rate (AER) illustrates what the interest would be if interest was paid and compounded each year. Our AER calculation assumes that the account is held
for a year and that the interest rate remains constant.
Deposit Interest Retention Tax (DIRT) - Accounts are subject to DIRT where applicable.
In the 7 Day, 21 Day, 30 Day, 35 Day, 40 Day, 60 Day and 90 Day notice accounts, the annual equivalent rate is the same as the rates quoted above. Monthly Income and
Special Savings options, where available on the above accounts, offer the same rates. The interest rates listed for 30 Day, 60 Day and 90 Day notice options apply to all
accounts with corresponding notice requirements, unless specifically listed on this notice.
Monthly Interest - a monthly income option is available on notice accounts, excluding 21 Day, 35 Day and 40 Day notice accounts.
Gross rate is the daily interest accrual rate.
permanent tsb p.l.c. is regulated by the Central Bank of Ireland. Publication date: 01/10/2012 BMK2328(3) (Rev 10/12)
Demand Deposit Accounts
These accounts have variable rates and allow you to access your funds whenever you need them.
These rates are effective from the start of business on 1st October 2012
Available in branch
Demand Account
Gross*%
e0.01 - e1,269.73 0.01
e1,269.74 - e25,394.75 0.01
e25,394.76 - e63,486.89 0.02
e63,486.90 + 0.05
Safari Saver Account
Gross*%
e0.01 - e19,999.99 2.50
e20,000.00 + 1.50
Available online
Instant Access Account
Gross*%
e0.01 - e50,000 2.50

e50,000.01 + 1.00
Regular Saver
Gross*%
e0.01 - e50,000 3.50
e50,000.01 + 1.00
You can only open Online Accounts by using the internet within our OPEN24
Service and you are a registered user. Once opened, you can transact on your
account by using our internet and telephone banking services. You cannot transact
on the account by visiting our branches.
Closed Accounts
BonusInterest Account
Not available for new applicants
Gross*%
All balances 0.15
Where no more than two withdrawals from the BonusInterest Account are made in
a calendar year an additional interest bonus of 0.25% will be paid, calculated on the
average daily balance in the account up to the 31st December each year.
save2buy / Mortgage Saver / HeadStart / EasiSaver Accounts
Not available for new applicants
Gross*%
All balances 0.10
Pace / Beanstalk / Scene / Regular Savings Account / Agent Saver /
Instant Access / Regular Saver / Tusa Accounts
Not available for new applicants
Gross*%
All balances 0.01
Save Direct Account
Not available for new applicants
Gross*%
e0.01 - e4,999.99 0.01

e5,000.00 + 1.00
All non-personal accounts of more than e1 million will be managed directly by permanent tsb Treasury. For non-personal accounts of up to e1 million different interest
rates to the rates listed in this notice may apply – please ask staff for details of rates and options available to you. All new Credit Union accounts and rates will be managed
directly by permanent tsb Treasury.
* Interest on Resident Accounts is paid net of Deposit Interest Retention Tax (DIRT), which persons aged 65 or over, or persons who are permanently incapacitated and
their respective spouses may be entitled to reclaim.
Annual Equivalent Rate (AER) illustrates what the interest would be if interest was paid and compounded each year. Our AER calculation assumes that the account is held
for a year and that the interest rate remains constant.
Deposit Interest Retention Tax (DIRT) - Accounts are subject to DIRT where applicable.
The annual equivalent rate is the same as the rates quoted above.
Gross rate is the daily interest accrual rate.
permanent tsb p.l.c. is regulated by the Central Bank of Ireland. Publication date: 18/09/2012 BMK2328(7) (Rev 09/12)
Variable Interest Rates for Former Irish
Nationwide Building Society Deposit Accounts
These rates are effective from the start of business on 18th September 2012
The following accounts are not available for new applicants.
Instant Access Deposit Account
Gross Rate % AER%
e0.01 plus 2.25 2.25
Money Maker/Ordinary Deposit Account/Investment Share
Gross Rate % AER%
All balances 0.01 0.01
Regular Saver Deposit Account
(Monthly min e100, max e2,000)
Gross Rate % AER%
e0.01 plus 2.85 2.85
30 Day Notice Advantage Account
Gross Rate % AER% Monthly Income AER%
Gross Rate %
e20,000.00 plus 1.20 1.20 1.05 1.06

Up to e19,999.99 0.01 0.01 0.01 0.01
21 Day Notice Flexisaver Account
(Issue 1 & 2)
Gross Rate % AER%
e100,000.00 plus 1.25 1.25
e50,000.00 - e99,999.99 1.05 1.05
e20,000.00 - e49,999.99 0.70 0.70
e0.01 to e19,999.99 0.03 0.03
7 Day Notice Freedom Account
Gross Rate % AER%
e40,000.00 plus 1.00 1.00
e20,000.00 - e39,999.99 0.50 0.50
Up toe19,999.99 0.01 0.01
Gold Saver 50/90 Notice Account
Gross Rate % AER%
e100,000.00 plus 0.25 0.25
e50,000.00 - e99,999.99 0.06 0.06
Up to e49,999.99 0.01 0.01
Premium Access Account
Gross Rate % AER%
e100,000.00 plus 1.50 1.51
e75,000.00 -e99,999.99 1.00 1.00
e50,000.00 - e74,999.99 0.85 0.85
e25,000.00 - e49,999.99 0.50 0.50
e10,000.00 - e24,999.99 0.25 0.25
Up to e9,999.99 0.05 0.05
Classic Quarterly Account
Gross Rate % AER%
e75,000.00 plus 1.00 1.00
e50,000.00 - e74,999.99 0.75 0.75

e25,000.00 - e49,999.99 0.50 0.50
e10,000.00 - e24,999.99 0.50 0.50
Up to e9,999.99 0.05 0.05
Select 30 Deposit Account
Gross Rate % AER%
All balances 0.05 0.05
Special Savings Account Gold Saver Special
Gross Rate % AER%
e75,000.00 -e100,000.00 0.10 0.10
e25,000.00 - e74,999.99 0.05 0.05
Up to e24,999.99 0.01 0.01
£ Sterling Demand Account
Gross Rate % AER%
100,000.00 plus 1.50 1.50
50,000.00 - 99,999.99 1.10 1.10
20,000.00 - 49,999.99 0.90 0.90
3,000.00 - 19,999.99 0.50 0.50
Up to 2,999.99 0.25 0.25
Interest on Residential Accounts is paid net of Deposit Interest Retention Tax,
which persons aged 65 or over, or persons who are permanently incapacitated and
their respective spouses may be entitled to reclaim.
Gross Rate is the daily interest accrual rate. AER (Annual Equivalent Rate)
illustrates what the interest would be if interest was paid and compounded each
year. Our Annual Equivalent Rate (AER) calculation assumes that the account
is held for a year and that the interest rate remains constant. Deposit Interest
Retention Tax (DIRT) - Accounts are subject to DIRT where applicable.
permanent tsb p.l.c. is regulated by the Central Bank of Ireland. Publication date: 18/09/2012 BMK2328(8) (Rev 09/12)
Variable Interest Rates for Former
Northern Rock Ireland Deposit Accounts
These rates are effective from the start of business on 18th September 2012

The following accounts are not available for new applicants.
Demand Online Account - Annual Interest
Gross Rate % AER%
e0.01plus 2.75 2.75
Demand Online Account - Monthly Interest
Gross Rate % AER%
e0.01plus 2.50 2.53
Direct Silver Saver Account - Monthly Interest
Gross Rate % AER%
e0.01plus 1.25 1.26
Direct Saver Account - Annual Interest
Gross Rate % AER%
e0.01plus 1.00 1.00
Direct Saver Account - Monthly Interest
Gross Rate % AER%
e0.01plus 1.00 1.00
Direct Saver Matured Bond Account
Gross Rate % AER%
e0.01plus 0.75 0.75
Direct Saver Business Reserve Account - Monthly Interest
Gross Rate % AER%
e0.01plus 1.25 1.26
Direct Saver Special Savings Incentive Matured Account
Gross Rate % AER%
e0.01plus 0.75 0.75

Direct Saver 30 Day Notice Account (Issue 1) Annual Interest
Gross Rate % AER%
e0.01plus 1.00 1.00
Direct Saver 30 Day Notice Account (Issue 1) Monthly Interest

Gross Rate % AER%
e0.01plus 1.15 1.15
Direct Saver 30 Day Notice Account (Issue 2) Annual Interest
Gross Rate % AER%
e0.01plus 2.00 2.00
Direct Saver 30 Day Notice Account (Issue 2) Monthly Interest
Gross Rate % AER%
e0.01plus 2.25 2.27
Direct Saver 60 Day Notice Account - Annual Interest
Gross Rate % AER%
e0.01plus 1.00 1.00
Direct Saver 60 Day Notice Account - Monthly Interest
Gross Rate % AER%
e0.01plus 1.25 1.25
Interest on Residential Accounts is paid net of Deposit Interest Retention
Tax (DIRT), which persons aged 65 or over, or persons who are permanently
incapacitated and their respective spouses may be entitled to reclaim.
Gross Rate is the daily interest accrual rate. Annual Equivalent Rate (AER)
illustrates what the interest would be if interest was paid and compounded each
year, or monthly if specified. Our AER calculation assumes that the account is held
for a year and that the interest rate remains constant. Accounts are subject to DIRT
where applicable.