Opportunities for your business start-up.

Help for what matters

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How we support you Access to opportunity is vital to the success of any business. Ulster Bank offers you just that, with the right support, so you can move your business forward. With Ulster Bank you don’t just get a financial package. You get access to a team of experienced Commercial Managers who have the knowledge to guide your business in the direction you want. By teaming-up with smallbusinesscan.com, you get the opportunity to access information from the smallbusinesscan.com experts and network with fellow entrepreneurs, both on-line and face-to-face.

Ulster Bank Support:

Experienced Commercial Managers

Smallbusinesscan Support:

Start-Up Live events

smallbusinesscan.com Competitive Financial Package

Free Start-Up Knowledge Centre

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Opportunities for your Business Start-Up As a ‘start-up’ it can be hard to see the full potential of your business or know what direction to take. You’re not alone. At Ulster Bank we have worked with over 100,000 small businesses in Ireland. That means you can get first-hand experience and information that is relevant to your business start-up. Through our relationship with smallbusinesscan.com, we can offer you the opportunity to learn more about managing your business and to network with your peers through the new joint Ulster Bank/smallbusinesscan.com Start-Up Knowledge Centre and nationwide Start-Up Live events.

So what is smallbusinesscan.com? This gives you access to the collective wisdom of thousands of small businesses just like yours. Smallbusinesscan.com is an on-line business community where you can get insights from, and share experiences with, fellow entrepreneurs. You can also ask questions and get support from the experts behind smallbusinesscan.com.

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Phone 1800 28 30 96 to arrange a meeting

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Smallbusinesscan.com features

How you benefit

24-hour access

Go on-line anytime to get information when you need it

Communicate via the ‘Blog’

Learn from experienced start-ups and entrepreneurs

Pose questions via the ‘Forum’

Share insights and get answers to your queries

Network with the ‘Community’

Join 1000’s of entrepreneurs to sell, share and learn

Link to the ‘Growth Centre’

Access a wide range of case studies, articles, proven business tools and templates

Free on-line knowledge

Sign up to the new joint Ulster Bank/ smallbusinesscan.com Start-Up Knowledge Centre

Help desk

Get one-to-one contact with the experts behind smallbusinesscan.com

Get your business out there – Start-Up Live Events With smallbusinesscan.com you get the opportunity to network with potential customers and suppliers face-to-face as well as on-line at Start-Up Live events. You can also meet the experts behind smallbusinesscan.com, ask questions and get great insights into the business environment today. These events are national, so keep an eye on local press to find out when and where an event is taking place near you. Learn more – Start-Up Knowledge Centre This is a joint initiative from Ulster Bank and smallbusinesscan.com where you can learn how best to manage your business. The Start-Up Knowledge Centre is a free on-line support service specifically developed for start-ups and early stage businesses. This is a great opportunity to learn from the experiences of your peers and to get industry insights relevant to your business start up. You also get the flexibility to learn as much as you like, when and where it suits you. For more information visit smallbusinesscan.com

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A financial package with you in mind

When starting a business you need a financial package that is convenient, flexible and one that financial package from Ulster Bank. Please note that this package applies to new start-up business

What we offer

How you benefit

Day-to-day fee-free transaction banking for the first 2 years

 Free

Subscription-free access to our on-line cash management channel, ‘Bankline’, for 1 year

 A

First arrangement fee waived for asset finance with ‘Lombard’

 Helps

Subscription-free ‘Business Card’ for the first year

 Access

Joining fee waived with Merchant Services

 Allows

Security to grow your business with competitive lending

 A

More than just business banking – let us look after your personal banking needs

 Peace

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lodgements, Direct Debit and standing order payments

single view of your real time cash position domestic and international payments with later cut off times  Secure payment controls  Facilitates

to interest-free credit universally accepted method of payment  On-line spending reports  Clarity and control on cardholder spending  A

your business to accept card transactions facilitating quicker payments  Avoid having to handle high volumes of cash or cheques  Makes administration easier range of flexible loan options Bank’s experience from helping over 4,000 new businesses each year  Up to e30,000 for business development purposes where Personal Guarantees will not have to be backed by assets  Ulster

of mind and convenience through a banking partnership offering a ‘one stop shop’ for your financial needs  Additional financial planning options available e.g. Business Protection and Personal Finance Protection

Phone 1800 28 30 96 to arrange a meeting

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you get the equipment in place to get started assets harder without draining your cash-flow

 Works

Call into your local branch to speak to a Commercial Manager today 31/08/2010 16:52

can h custom

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can help you reduce costs. See how your business start-up can benefit from a competitive customers under 36 months1. Customers must open a Business Current Account.

Important things to note  Business

Current Account must be used as main account for the period of the fee reductions2  Charges for additional services apply, see brochure ‘A Guide to Business Current Account Fees’ in branch for more information3  Not eligible when account is not kept in credit or within overdraft limits4  Charges for additional services apply, see brochure ‘Schedule of Services –

Payment and International Banking Charges’ in branch for more information5 refer to a Commercial Manager for information on Bankline subscription fees after 1 year  Terms and conditions apply, for more information visit www.ulsterbank.ie/bankline  Please

 Charges  

for additional services apply, see www.lombard.ie for more information Offer applies to Lombard new business customers under 36 months6 Offer valid for business purposes only

 B  usiness cards are for business purchases only  Charges for additional services apply, speak to a

Commercial Manager or visit www.ulsterbank.co.uk/businesscard for more information7  Interest-free credit available for 37 days on purchases depending on date of transaction and full payment of monthly balance (by Direct Debit).  Please refer to a Commercial Manager for more information on fees and charges after 1 year and interest rates payable after 37 days, or visit www.ulsterbank.ie/businesscard for more information  Government stamp duty applies  Charges

for additional services apply, please speak to a Commercial Manager for more information or visit www.ulsterbank.ie/merchantservices8

es

 Loans

for business purposes only and subject to availability case taken on individual basis, subject to security and arrangement fees, applicants must be over 18 years old  Lending criteria terms and conditions apply

w

 Each

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 Personal  Terms

banking options can be explored with your Commercial Manager and conditions apply

n

Please also see page 11 for more information on all elements of the financial package

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Getting you started Starting your own business? When starting your own business the more information you have the better. We have listed some helpful websites with information to help you on your way to making your business idea a reality.

www.ulsterbank.ie www.smallbusinesscan.com www.enterprise-ireland.com www.intertradeireland.com www.sfa.ie www.enterpriseboards.ie www.isme.ie Joining a franchise? By joining a franchise you have the opportunity to enjoy being your own boss while benefiting from the security and support that comes with being part of a franchise family. We have listed some informative websites to guide you through the process of becoming part of a franchise.

www.franchise.co.uk www.franchiseoptions.ie www.whichfranchise.ie www.thebfa.org www.irishfranchiseassociation.com No matter if your business is starting up or taking off, Ulster Bank offers you opportunities to move onto the next stage to becoming a successful thriving business. With Ulster Bank and smallbusinesscan.com this can be a reality for your business start-up.

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Phone 1800 28 30 96 to arrange a meeting

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Your notes:

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Your notes:

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Important Information •

1The offer will be available for new-to-bank business customers opening an Ulster Bank Business Current Account between September 21 2010 and June 30 2011. A qualifying business is: a. A business which has been trading for less than 36 months Or b. A business where there is a material change in the owners/principals of the business as follows: Any change in owner for sole traders and partnerships A change in share ownership affecting at least 20% of the issued share capital for limited companies and limited liability partnerships Or c. A business which has had a change in core trading activity either now or during the last 12 months. Core trading activity is the activity which generates at least 80% of sales/turnover.

•

1Offer

•

2In order to be eligible for fee-free transactional banking, customers must use their new Business Current

is not available to existing Ulster Bank Business Current Account holders.

Account as their ‘main account’ for the period of the fee reductions.

•

In order to avail of any element of the financial package referred to in this brochure, customers must first open a Business Current Account.

•

3Fee-free

•

3Fee-free banking will apply for 2 calendar years from date account is opened and will revert to standard charges

•

4Fee

•

The Start-up loan rate is a variable rate (unless a specified fixed rate agreement is entered into between the customer and the bank), and will change in line with movements in AA1 rates. Rates are subject to change, without notice, as rates increase.

•

7The annual Business Card fee will be waived for 12 months only and after the 12 month period the account

•

8The joining fee/arrangement fee for Merchant Services will be waived. Please note that all other ancillary fees and charges apply from the date of account opening as set out in the Merchant Services Terms and Conditions.

•

5The Bankline monthly subscription fee for the Bankline Payments Package will be waived for one year from the date of account opening. Thereafter the standard monthly subscription fees for the Bankline Payments Package will apply. The Bankline Payments Package does not include the standard repayment transaction fees which will continue to apply.

•

6Fee reductions will also apply to new business transacted with Lombard. The first arrangement fee will be

•

All Business Current Account applications are subject to acceptance by Ulster Bank and the relevant Ulster Bank Business Current Account terms and conditions will apply.

•

Customers will not be entitled to this offer if Ulster Bank deems, in its discretion, that the relevant account has not been opened or used in accordance with these terms and conditions.

•

This offer is subject to change and it may be withdrawn at any time.

•

Offer not available to employees of the Ulster Bank Group.

banking on Business Current Accounts will be applied to transaction and account maintenance fees as specified in the June 2010, ‘A Guide to Business Current Account Fees’. at the end of the 2nd anniversary quarter. If during the first calendar year account turnover exceeds s1m then standard charges may be levied in the second year. Standard charges are detailed in the leaflet entitled,‘ A Guide to Business Current Account Fees’. reductions will commence immediately however if the Ulster Bank Business Current Account is not kept in credit or within agreed overdraft limits then standard charges may be levied, including retrospective charges which would normally have been applied to the account from commencement of the charging quarter during which this occurs.

will be charged an annual fee of e30 on that anniversary and each anniversary thereafter for the following 12 months. Please note that other ancillary fees and charges apply from the date of account opening as set out in the Business Card terms and conditions. Please note Government Stamp Duty charge of e30 will apply to each Business Card account.

waived. Further fee reductions do not apply to existing business transacted with Lombard.

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Contact our team today and give your business the opportunity it deserves Phone 1800 28 30 96 to arrange a meeting Call into your local branch to speak to a Commercial Manager today Email [email protected] Visit www.ulsterbank.ie/startup

This brochure is also available in Braille, large print, audio or on disk. Please contact your local branch for details or Textphone 1800 924 615. Information correct as of 20/09/2010. Terms and conditions and fees and charges apply ask in branch for details. Ulster Bank Ireland Limited. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group and Banc Uladh. Registered in Republic of Ireland. Registered No. 25766. Registered Office: Ulster Bank Group Centre, George’s Quay, Dublin 2. Member of The Royal Bank of Scotland Group. Ulster Bank Ireland Limited is regulated by the Financial Regulator. Calls may be recorded. Lombard Ireland Limited. Registered in Republic of Ireland: No. 18017. Registered Office: Ulster Bank Group Centre, George’s Quay, Dublin 2. Lombard Ireland Limited (trading as Lombard and Lombard Vehicle Management) is a Multi-Agency Intermediary regulated by the Financial Regulator. ULST786RI Sept 2010

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