AIB Corporate Banking IrelandMaking Business Happen

MAKING BUSINESS HAPPEN FOR OUR CUSTOMERS

WELCOME TO AIB CORPORATE BANKING IRELAND

Number 1 Bank for international corporates operating in Ireland

Number 1 Corporate Bank in Ireland for domestic corporates

Welcome to AIB Corporate Banking Ireland, Ireland’s leading corporate bank. Our philosophy is to work closely with you, sharing our industry expertise to add value at every opportunity. Our approach has been developed and enhanced over the years by partnering with our customers and most importantly, by listening to them.

We are fully embedded in the Irish economy and provide support across the supply chain – employees, suppliers and customers. We take a proactive customer-focused approach to everything we do, devising workable solutions that support your needs into the future. This has resulted in AIB Corporate Banking becoming Ireland’s largest provider of financial services for both the foreign direct investment and Irish corporate market.

“AIB Corporate Banking Ireland has a specialist corporate team with the talent and experience in place to help your business meet its goals.”

– Diarmuid O’Neill, Head of AIB Corporate Banking Ireland

A SUPERIOR CORPORATE BANKING OFFERING

At AIB Corporate Banking Ireland, we offer a quality banking proposition backed by a superior level of service.

We understand our pivotal role in supporting the Irish Economy and in supporting the drive of businesses to help Ireland’s recovery. We believe banking is not just about supporting your business requirements; it is about supporting your people, and making business as simple as possible.

Our customers enjoy the full resources of the entire AIB Group which include:

�� A dedicated relationship management service

�� Ireland’s most comprehensive branch network system with outlets throughout the Republic of Ireland

�� World class Corporate Cash Management – Secure web based multi-currency cash management system

�� Comprehensive corporate and retail product range of international standard

�� Top class clearing system

�� International reach with offices in London and New York

�� The stability inherent in AIB being one of Ireland’s two pillar banks with total assets of €130bn as at 30 June 2012

OUR PARTNERSHIP APPROACH

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“The development of a strong relationship and a deep understanding of your business is at the core of what we do. We assign to you a dedicated relationship manager who has both the knowledge and expertise to look after all your financial requirements. They become your unique ‘single’ point of contact in AIB.

On your behalf, they manage, arrange and co-ordinate everything, bringing specialists to you when and where you need them. In short, they deliver a customised and personal service built around you and your financial needs.”

– Diarmuid O’Neill, Head of AIB Corporate Banking Ireland

At AIB Corporate Banking Ireland, we know our unique customer -centric relationship model is our competitive advantage. Through this model we:

�� �Build long term strategic partnerships

�� �Deliver bespoke solutions to meet your individual financial requirements

�� �Enable you to maximise business opportunities

�� �Provide a service which enables you to drive your competitive advantage

�� �Work with you to see your business flourish

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“We are passionate about understanding the dynamics of your business and your industry. My team will provide you with innovative and highly workable solutions that will help you overcome problems, meet challenges or maximise new opportunities for you.”

Please contact Diarmuid:Email diarmuid.e.o’neill@aib.ieTel +353 (0)1 641 4808Mobile +353 87 225 9134

Diarmuid O’NeillHead of AIB Corporate Banking Ireland

Diarmuid’s team manage the financial requirements of large domestic and international corporates in Ireland. Diarmuid has served on the councils of the Ireland-Japan Association, the Ireland China Association and the Ireland Canada Business Association. He began his career at BDO Simpson Xavier in the Corporate Recovery and Business Assurance & Advisory division. He joined AIB in 2001 as a relationship manager working across a number of sectors including Telecoms, International Media, Consumer Products, Software & Globally Trading Businesses. Diarmuid is a Fellow of the Institute of Chartered Accountants with an Accounting degree from University College Cork, and is a graduate of Harvard Business School.

MEET THE MANAGEMENT TEAM

Aodhan Hobbs – Director, AIB Corporate Banking Ireland

Responsible for:

�� Retail

�� Energy & Environment

�� Professional & Insurance/ Financial Services

�� Transport & Distribution

�� Mid Size Private Companies

Aodhan has been working with corporate companies for over 20 years. He has extensive experience delivering for clients across a broad range of industries. During this time he has been involved in successful MBO financing and working with companies evolving through growth and ownership change. Aodhan holds a Business Studies Degree from Dublin City University.

“We deliver complete finance solutions in a manner that is responsive, efficient and timely for our customers.”

Please contact Aodhan:Email aodhan.l.hobbs@aib.ieTel +353 (0)1 641 1771

Aodhan’s customers include the key players in the following sectors:

Retail – With consumers impacted by the ongoing economic head winds, our retail clients have had to respond rapidly to the many challenges faced by the sector in recent years. Our role has been to effectively support our retail client base by providing them with a full range of banking products and services. From the newly entered foreign multiples to the long standing independent players, Corporate Banking has successful working relationships with the key participants across the sector.

Energy – We have a long standing commitment to the energy sector and bank the leading utilities, supporting generation, transmission and distribution. As legislation drives the pace of change within the sector, we continue to support capital investment within the sector. The greener emphasis has resulted in Ireland’s energy resource becoming more diversified and the key players whom we support have invested heavily in this diversification process.

Environment – Legislative and regulatory developments have created new opportunities for Irish companies in this sector. Investment in Waste Management and Renewable Energy

has been significant in recent years with further investment required in order to meet regulatory targets. We continue to support this sector through the provision of funding for capital investment projects and consolidation.

Professional Services – We provide banking services to the majority of the large Solicitor and Accountancy practices in Ireland. Solicitor practices have seen considerable growth in debt recovery and litigation while Accountancy practices have grown their advisory arms.

Insurance & Financial Services – We work closely with customers in this sector as they face a range of challenges including the implementation of the new EU Solvency regulations and with effectively managing their business in the challenging claims and investment environment in which they now operate.

Transport & Distribution – We have developed strong long term relationships with key players across this sector supporting our clients in meeting their business objectives. In an industry where innovation, consolidation, cost competitiveness and pricing pressure are ever increasing themes, the Corporate Banking Ireland team have built up a detailed understanding of this market sector.

Nessa O’Riordan – Director, AIB Corporate Banking Ireland

Responsible for:

�� Food & Agriculture �� Education

�� Media �� Film Financing

�� Automotive

Nessa is a Director in AIB Corporate Banking Ireland. She started her career in Deloitte’s Audit & Advisory Services division, following which she joined AIB Corporate Banking in 2002. Nessa has gained experience across a wide industry spectrum including Financial Services, Telecommunications and Foreign Direct Investment. Currently Nessa has responsibility for key corporate relationships in the Food & Agriculture, Automotive, Media and Education sectors. Nessa has a Bachelor of Commerce and a Masters of Accountancy from UCD, and is a Member of the Institute of Chartered Accountants in Ireland.

“Through understanding our customers’ sector, business and cycles our objective is to deliver innovative solutions - consistently and professionally”

Please contact Nessa: Email nessa.e.o’riordan@aib.ieTel +353 (0)1 641 3749

Nessa’s customers include key players in the following sectors:

Food & Agriculture – As Ireland’s largest indigenous sector, with an annual output of +€24bn and collective employment of +150,000, Food & Agriculture is a vital component of Ireland’s economic recovery. Our dedicated Food & Agri team is working closely with our customers, supporting the vision of a truly global and value-added Irish Food & Agriculture sector. Notwithstanding challenges, Ireland has the powerful credentials and experience required to deliver on these opportunities.

Education – Our Education team focuses on delivering solutions to support our customers’ strategy and student relationships. Ireland’s talented workforce has long been identified as one of our key global competitive advantages. Current economic conditions have led to growing student numbers combined with pressure on funding sources. Our Third Level Institutions are continuing to excel at balancing these demands, while consistently demonstrating, both at home and abroad, Ireland’s exceptional capabilities in enabling a high skilled and adaptable workforce.

Automotive – Despite demand pressures, given low consumer confidence, this sector has taken positive steps to stabilise their businesses in recent years, through managing stock levels and reducing costs. Areas of focus in the short to medium term for our Auto team and our customers will include consolidation, along with changing operating models and related financing structures.

Media – The traditional media sector is managing reduced domestic demand and the related decline in advertising spend. We are working with our customers as they adjust their businesses to changing market conditions and develop new revenue streams.

Film Finance - The tax benefits of Section 481 have been extended to 2015, ensuring continued healthy investment in the Irish Film and TV industry. Ireland’s film sector has clear benefits for Irish employment and tourism and our Film Finance team is supporting our customers in its ongoing development.

Healthcare – Increased demand for healthcare services has led to rapid expansion in recent years. Our experienced healthcare team provide support to the full spectrum of healthcare providers in Ireland, including private and public hospitals, nursing homes, pharmacies, dental and healthcare suppliers. Our Healthcare team is supporting our customers in their delivery of high quality patient care, while balancing challenges such as pricing pressures, costs, and changes to market structures and insurance.

Conor’s customers include the key players in the following sectors:

Commercial Real Estate – AIB provides a dedicated and experienced Commercial Real Estate team who work closely with their customers to identify and complete prime transactions in the Irish and UK markets. Increased year on year transaction levels in the market are now pointing towards a favourable purchaser environment resulting from measures taken by the government to stimulate property transactions. Our team is ideally placed to help our clients take advantage of these market conditions.

Hotels – This sector is a key employer and is central to the tourism industry in Ireland. While the sector has experienced a number of very difficult years following rapid capacity expansion and a drop in domestic and international demand, the team in AIB are working to support the industry and our customers through provision of tailored products and sharing our experience through a dedicated team. The Tourism industry will play an important part in job creation and economic recovery and AIB will continue to work with our customers and the industry to achieve this.

Large Private Corporates – At the forefront of business in Ireland and seen as a key driver for the future economic recovery of Ireland. AIB is continuing to support Large Private Corporates, providing a high level of service and knowledge to meet the needs and demands of these companies. AIB is committed to supporting Irish Business and will continue to work closely with Large Private Corporates by providing a full suite of Corporate Banking Solutions to them.

Telecoms – The Telecoms industry underpins business in Ireland. AIB support both primary operators in this fast moving space and their upstream and downstream Supply Chain Partners using a range of innovative Working Capital Solutions. Through providing this support, AIB has relationships with operators, infrastructure providers and their Supply Chain Partners. The challenges facing the communications industry in recent years have increased and evolved to include technological advancements, the capital needs for next generation networks, increased regulation and intense competition. AIB possess significant sectoral knowledge in the Telecoms industry and are committed to continuing to develop and leverage this knowledge to service our valued client base through the provision of bespoke Corporate Banking solutions.

Conor Daly – Director, AIB Corporate Banking Ireland

Responsible for:

�� Commercial Real Estate

�� Hotels

�� Large Private Corporates

�� Telecoms

Conor is a Director of AIB Corporate Banking Ireland. Conor has worked within AIB Group for over 24 years in a number of roles. Most of his experience is in the Corporate Banking field where he has worked for AIB for the last 18 years. Currently Conor has responsibilty for key corporate relationships in the Commercial Real Estate, Hotel and Telecoms sectors, and also looks after a number of Private Corporates . His portfolio also includes the AIB Finance & Leasing business. Prior to joining AIB, Conor worked in a Chartered Certified Accountancy practice. Conor is a Fellow of the Association of Chartered Certified Accountants and the Institute of Bankers. He also has a Masters in Business Administration from Trinity College.

“Building and developing strong relationships with our customers and developing quality sectoral knowledge are central to our approach. We strive to know more about our customer’s business and the industries they operate in. The team’s ultimate objective is to consistently deliver a quality professional service, provide a comprehensive range of banking solutions and add real tangible value to our customer relationships.”

Please contact Conor:Email conor.p.daly@aib.ieTel +353 (0)1 641 3765

Mick Murray – Head of the Foreign Direct Investment Team and the New Business Acquisition Team, AIB Corporate Banking Ireland

Responsible for:

� Foreign Direct Investment

� New Business Acquisition

Mick joined AIB in 1989 and has worked in a number of areas in AIB including the Retail and Capital Markets Divisions where he has gained extensive global banking experience and knowledge. He has worked with large domestic and international corporates across all the major sectors, on a wide variety of structures ranging from relationship to transactional. Mick is a qualified Chartered Certified Accountant (ACCA). “We are always ready to meet customers anywhere in the world, to listen to your requirements and develop innovative solutions to meet your financial needs. Through our expert relationship managers, you will experience superior and personal levels of service and access the full suite of products and services available from AIB”

Please contact Mick: Email mick.j.murray@aib.ieTel +353 (0)1 641 4248

Foreign Direct Investment (FDI) – AIB International Corporate Banking (ICB) is a dedicated unit within AIB Corporate Banking Ireland solely focused on Foreign Direct Investment in Ireland. This FDI team has supported inward investment for over 30 years and is the number one Irish bank for FDI, supporting corporates from start ups to some of the largest and most recognisable brands. The FDI team is comprised of talented financial professionals with specialist knowledge and experience in a wide variety of sectors, including; Lifesciences, Medical Technology, Pharmaceuticals, ICT, Entertainment & Gaming, Digital Media, Clean Technology, Consumer Products, International Financial Services, Business Services and Social Media.

FDI has been at the core of the Irish economy for a number of decades and is now a critical factor in driving Ireland’s export led recovery. The success of Ireland’s approach to attracting FDI is evidenced by the strength of the global brands that

choose Ireland as their preferred location and by their investments in high growth areas of High End Manufacturing, Global Services (incl. Financial Services) and RD&I. Almost 1,200 global businesses, including some of the world’s best known corporates, have chosen Ireland as their European operational centre. AIB is the leading bank to FDI and is proud to support FDI companies doing business in Ireland. Please visit our website www.aibcorporate-fdi.com

New Business Acquisition Unit – This unit seeks opportunities to closely support new corporate customers.

Corporate Business Management and Corporate Support Management – AIB Corporate Banking Relationship Managers have the support of a team of experts ensuring that AIB’s operations and systems are fully focussed on meeting the needs of our customers. The customer is at the heart of everything we do.

The team provide timely and relevant information and support to all of Corporate Banking Relationship Managers and represent the business in interactions with a diverse group of internal and external business partners.

This diverse and experienced team include:

�� Development and implementation of business management and reporting

�� Business information systems management

�� Responsibility for channels and communications with product specialists across AIB Group

�� Management of Compliance from the business perspective

�� Corporate Legal Services

Michael Ryan – Director, AIB Corporate Banking Ireland

Responsible for:

�� Corporate Business Management

�� Corporate Support Management

Michael is a Director of AIB Corporate Banking Ireland, with responsibility for Corporate Business Management and Corporate Legal Services. Michael is a Fellow of the Institute of Chartered Accountants in Ireland, with extensive experience in Corporate Banking, both in Ireland and internationally. Michael has worked in a variety of Senior Management roles in his 28 years at AIB.

“Our strength lies in our knowledge of our customers, their business and the markets in which they operate. Ensuring our support teams and systems are aligned to deliver a superior yet flexible service, enables us to consistently meet changing customer requirements”.

Please contact Michael: Email michael.h.ryan@aib.ieTel +353 (0)1 641 3229

WE OFFER YOU OUR EXPERTISE

Depth of Knowledge and Information

We are committed to providing consistent, dynamic financial solutions to enable your business thrive. We offer much more than a range of financial products. Our Relationship Managers offer expertise gathered from years of experience in specialist sectors.

Our customers also receive access to a wealth of up to date information on a range of topics including economic and financial markets, interest rates and foreign exchange rates.

Economic Conference Calls – Our Chief Bond Economist holds quarterly economic conference calls for customers, he looks at the Irish, European and Global Economies, taking you through the more important statistics and discussing topical trends. Our customers have found this of real benefit and our Chief Bond Economist takes questions on each call. If you’d like to join in, just contact your Corporate Relationship Manager.

Specialised Economic Briefings – Let your Corporate Relationship Manger know if you’d like any of the following regular briefings:

�� Daily Morning Comment – Emailed daily at the start of each trading day, morning comment highlights issues of the day that impact on the financial markets and investments in particular.

�� Weekly Market Brief – Covers political stories that dominate and that have an effect on the FX markets and on your investments.

�� Monthly Exchange Rate Outlook – This covers the current key issues relating to the euro that will affect its exchange rate vis-à-vis key traded currencies for the month ahead.

�� Irish Economy Watch – Covers key economic issues relating specifically to the performance of the Irish market, with indepth analysis of how these impact on the markets.

�� Global Economy and Financial Markets – Looks at key issues that affect the wider global markets and looks at what impact these will have on the financial markets overall.

�� www.fxcentre.com – This is an excellent example of AIB Corporate Banking Ireland’s commitment to adding value to our customers. Our specialist Treasury Website, AIB FX Centre, contains up-to-date interest and foreign exchange rates, business news feeds as well as a huge amount of other information on a range of economic and financial markets topics.

World Class Product Offering

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Product range:

�� Tailored Lending Solutions – For example working capital facilities, letters of credit, term debt facilities, leasing, structured finance e.g. leverage / MBO finance, project finance, asset based finance

�� World Class Corporate Cash Management – Secure web based multi-currency cash

management system

– Secure web based international bulk payments system

– First local bank to provide Single Euro Payments Area (SEPA) Service – allows customers to consolidate collection related activities across Europe into one single location, using a single account with AIB

�� Customer Treasury Services – Comprehensive treasury risk, cash management and trade finance services

�� Daily Banking – Branch network

– Euro and foreign currency accounts

�� AIB Corporate Finance – mergers, acquisitions, equity raising and strategic financial advice

�� Corporate Credit Cards

�� Full Product Range of Personal Banking Facilities

TALK TO US TODAY

For more information on how we can help support your business ambitions please contact us.

Ireland

Diarmuid O’NeillEmail diarmuid.e.o’neill@aib.ieTel +353 (0)1 641 4808

Aodhan Hobbs Email aodhan.l.hobbs@aib.ieTel +353 (0)1 641 1771

Nessa O’Riordan Email nessa.e.o’riordan@aib.ieTel +353 (0)1 641 3749

Conor DalyEmail conor.p.daly@aib.ieTel +353 (0)1 641 3765

Mick Murray Email mick.j.murray@aib.ieTel +353 (0)1 641 4248

Michael Ryan Email michael.h.ryan@aib.ieTel +353 (0)1 641 3229

With locations in the US and the UK we can provide a world class banking service to our international customers.

New York

Jim Dennehy Email jim.c.dennehy@aib.ieTel +1212 515 6736

Norbert GalliganEmail norbert.galligan@aibny.comTel +1212 339 8024

London

Rachel Naugthon Email rachel.f.naugthon@aib.ieTel +44 20 7090 7997

Caroline Vaughan Email caroline.a.vaughan@aib.ieTel +44 20 7090 7150

At AIB Corporate Banking Ireland, we share your vision for business

MAKING BUSINESS HAPPEN FOR OUR CUSTOMERS

www.aibcorporate.ie

AIB Corporate Banking IrelandMaking Business Happen

AIB Corporate Banking Ireland is a registered business name of Allied Irish Banks, p.l.c. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland. Registered Office: Bankcentre, Ballsbridge, Dublin 4, Ireland. Registered in Ireland, No. 24173. Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Security may be required. Government stamp duty of €30 is charged annually per credit card.