TAILIEUCHUNG - A Guide to Personal Accounts Fees and Interest

To take our users’ Semantic Web experience further, we have created Semantic Bank, a com- munal repository of RDF to which a community of Piggy Bank users can contribute to share the information they have collected. Through Semantic Bank, we introduce a mechanism for light- weight structured information publishing and envision collaborative scenarios made possible by this mechanism. Together, Piggy Bank and Semantic Bank pave an easy, incremental path for ordinary Web users to migrate to the Semantic Web while still remaining in the comfort zone of their current Web browsing experience | A Guide to Personal Accounts Fees and Interest Ulster Bank Current Accounts Savings and Deposit Accounts What s in this brochure Page 1. Plain speaking - glossary of terms 3 2. Services you don t pay for 4 3. Changes to interest fees and charges 5 4. Monthly membership fees 6 5. Interest we pay you on your Current Account 7 6. Interest and charges on borrowing 8 a. Arranged borrowing over 18s only - interest you will pay 8 b. Unarranged borrowing - interest and charges you will pay 9 c. When we take interest from your account 10 7. How to avoid paying fees and charges 10 8. Interest we pay you on your Savings and Deposit Accounts 11 9. Charges for extra services 18 All information in this leaflet is correct as at 26 November 2012 but may change. Please read this brochure in conjunction with the Personal Banking Terms and Conditions brochure which outlines the terms and conditions applicable to our products. 2 1. Plain speaking - glossary of terms Account maintenance charge This charge covers providing current account services including bank statements and dealing with general questions about your account. There is no account maintenance charge on personal current accounts. AER AER stands for Annual Equivalent Rate which illustrates what the interest rate would be if paid and compounded each year. Credit Established A credit established is the setting up of a credit arrangement with another bank or another branch to withdraw money. Direct Debit An instruction to a bank to allow money to be withdrawn from an account by someone other than the account holder. This is usually to pay bills. The amount withdrawn can change with each payment. Emergency cash This is a service we offer if you have a cash card or debit card. If you report your card lost or stolen through our lost and stolen helpdesk we will check your identity and if you have enough money available in your account we will give you a unique code so you can withdraw an amount of emergency cash from an Ulster .

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