Irish Bank Guarantee Scheme

The Amended Guarantee Scheme allows the participating institutions (“Participating Institutions”) to issue debt securities and take deposits with a maturity date post 29 September 2010 on either a guaranteed or an unguaranteed basis. Dated subordinated debt (Lower Tier 2) and asset covered securities (including other forms of covered bonds) issued on or after 9 December 2009, the commencement date of the Amended Guarantee Scheme, will not be guaranteed by the Amended Guarantee Scheme however such subordinated debt and asset covered securities (including other forms of covered bonds) already guaranteed under the Original Guarantee Scheme will remain guaranteed until 29 September 2010 in accordance with the terms of that scheme.

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