Current Account No:
Page 1 of 3
Terms & Conditions
1.1 In these Terms and Conditions:
"Account" means the current account in your name with the number detailed at the bottom of this page or any account
opened in substitution for it;
“Important Information” means the Important Information including the Additional Important Information set out on page 1
of this credit agreement;
"Normal Review Date" means the first and any subsequent anniversary of the Date of Sanction shown in the Important
Information to the extent the Facility is still in place on such an anniversary;
“Overdraft Limit” means the amount shown as such in the Important Information and also includes a reference to a revised
limit for the Facility where the Bank agrees to that in writing.
“You”, “yours”, “you” means (a) the person or each person named as “you” or the “customer” in this credit agreement and
his or her personal representatives, successors and assigns; and (b) all or some of such persons so named if the context
requires or allows this meaning.
2.0 Provision of the Facility
2.1 You may avail of the Facility by any means of withdrawing or transferring money from the account including where you
do so in a branch of the Bank, by telephone instruction, online, by writing a cheque or by the use of a debit card (this is a list
of examples and is not intended to be exhaustive).
2.2 The Bank will review the Facility on the Normal Review Date. The Bank may extend the Facility beyond the Normal
Review Date but it is not obliged to do so. In addition, the Bank may review the Facility at its discretion at any time
including between Normal Review Dates.
2.3 You must ensure that you do not allow the amount overdrawn on the account to exceed the Overdraft Limit set out in the
3.0 Demand Nature of the Facility
3.1 The Bank has the right at any time at its discretion to cancel the Facility and to demand that you repay the Facility and
any interest accrued