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Information Memorandum ALLIED IRISH BANKS, P.L.C

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Information Memorandum ALLIED IRISH BANKS, p.l.c. €5,000,000,000 Euro-Commercial Paper Programme Rated by Standard & Poor’s Credit Market Services Europe Limited and Fitch Ratings Ltd. Arranger UBS INVESTMENT BANK Issuing and Paying Agent CITIBANK Dealers AIB BARCLAYS BOFA MERRILL LYNCH CITIGROUP CREDIT SUISSE GOLDMAN SACHS INTERNATIONAL ING NOMURA THE ROYAL BANK OF SCOTLAND UBS INVESTMENT BANK The date of this Information Memorandum is 16 March 2016 Disclaimer clauses for Dealers, Issuing and Paying Agent and Arranger See the section entitled “Important Notice” on pages 1 to 4 of this Information Memorandum. IMPORTANT NOTICE This Information Memorandum (together with any supplementary information memorandum, and information incorporated herein by reference, the “Information Memorandum”) contains summary information provided by Allied Irish Banks, p.l.c. (the “Issuer” or “AIB”) in connection with a euro-commercial paper programme (the “Programme”) under which the Issuer acting through its office in Dublin or its London branch as set out at the end of this Information Memorandum may issue and have outstanding at any time euro-commercial paper notes (the “Notes”) up to a maximum aggregate amount of €5,000,000,000 or its equivalent in alternative currencies. Under the Programme, the Issuer may issue Notes outside the United States pursuant to Regulation S (“Regulation S”) under the United States Securities Act of 1933, as amended (the “Securities Act”). The Issuer has, pursuant to an amended and restated dealer agreement dated 16 March 2016 (the “Dealer Agreement”), appointed UBS Limited as arranger of the Programme (the “Arranger”), appointed Bank of America Merrill Lynch International Limited, Barclays Bank PLC, Citibank Europe plc, London Branch, Credit Suisse Securities (Europe) Limited, Goldman Sachs International, ING Bank N.V., Nomura International plc, The Royal Bank of Scotland plc and UBS Limited as dealers in respect of the Notes (together with Allied Irish Banks, p.l.c. as dealer, the “Original Dealers” and, together with further dealers appointed under the Programme from time to time, the “Dealers”) and authorised and requested the Dealers to circulate this Information Memorandum in connection with the Programme on its behalf to purchasers or potential purchasers of the Notes. THE NOTES HAVE NOT BEEN AND WILL NOT BE REGISTERED UNDER THE UNITED STATES SECURITIES ACT OF 1933 (THE “SECURITIES ACT”) OR ANY U.S. STATE SECURITIES LAW AND MAY NOT BE OFFERED, SOLD OR DELIVERED WITHIN THE UNITED STATES OR TO, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS (AS DEFINED IN REGULATION S UNDER THE SECURITIES ACT (“REGULATION S”) (“U.S. PERSONS”)) UNLESS AN EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT IS AVAILABLE AND IN ACCORDANCE WITH ALL APPLICABLE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES AND ANY OTHER JURISDICTION. The Notes have not been approved or disapproved by the United States Securities and Exchange Commission or any other securities commission or other regulatory authority in the United States, nor have the foregoing authorities approved this Information Memorandum or confirmed the accuracy or determined the adequacy of the information contained in this Information Memorandum. Any representation to the contrary is unlawful. An application for a Short Term European Paper (“STEP”) label for this Programme will be made to the STEP Secretariat. Information as to whether the STEP label has been granted for this Programme may be made available on the STEP market website (initially www.stepmarket.org). This website is not sponsored by the Issuer and the Issuer is not responsible for its content or availability. Unless otherwise specified in this Information Memorandum, the expressions “STEP”, “STEP Market Convention”, “STEP label”, “STEP Secretariat”, and “STEP market website” shall have the meaning assigned to them in the Market Convention on Short-Term European Paper dated 25 October 2010 and adopted by the Euribor ACI and the Euribor EBF (as amended from time to time). The Issuer has confirmed to the Arranger and the Dealers that the information contained in this Information Memorandum is true and accurate in all material respects and not misleading and that A31171295 1 there are no other facts the omission of which makes this Information Memorandum as a whole or any such information contained or incorporated by reference herein misleading. None of the Issuer, the Arranger and the Dealers accepts any responsibility, express or implied, for updating this Information Memorandum and neither the delivery of this Information Memorandum nor any offer or sale made on the basis of the information in this Information Memorandum shall under any circumstances create any implication that this Information Memorandum is accurate at any time subsequent to the date hereof or that there has been no change in the business, financial condition or affairs of the Issuer since the date hereof. No person is authorised by the Issuer to give any information or to make any representation not contained in this Information Memorandum and any information or representation not contained herein must not be relied upon as having been authorised. Neither the Arranger nor any Dealer has independently verified the information contained in this Information Memorandum. Accordingly, no representation or warranty or undertaking (express or implied) is made, and no responsibility or liability is accepted by the Arranger or any Dealer as to the authenticity, origin, validity, accuracy or completeness of, or any error in or omission from, any information or statement contained in this Information Memorandum or in or from any accompanying or subsequent material or presentation. The information contained in this Information Memorandum is not, and should not be construed as, a recommendation by the Arranger, any Dealers or the Issuer that any recipient should purchase Notes. Each such recipient must make, and shall be deemed to have made, its own independent assessment and investigation of the financial condition, affairs and creditworthiness of the Issuer and of the Notes as it may deem necessary and must base any investment decision upon such independent assessment and investigation and not on this Information Memorandum. Neither the Arranger nor any Dealer undertakes to review the business or financial condition or affairs of the Issuer during the life of the Programme, nor undertakes to advise any recipient of this Information Memorandum of any information or change in such information coming to the Arranger’s or any Dealer’s attention. Neither the Arranger nor any Dealer accepts any liability in relation to this Information Memorandum or its distribution by any other person. This Information Memorandum does not, and is not intended to, constitute an offer or invitation to any person to purchase Notes. The distribution of this Information Memorandum and the offering for sale of Notes or any interest in Notes or any rights in respect of Notes, in certain jurisdictions may be restricted by law. Persons obtaining this Information Memorandum or any Notes or any interest in Notes or any rights in respect of Notes are required by the Issuer, the Arranger and the Dealers to inform themselves about and to observe any such restrictions. In particular, but without limitation, such persons are required to comply with the restrictions on offers or sales of Notes and on distribution of this Information Memorandum and other information in relation to the Notes and the Issuer set out under “Selling Restrictions” below. No application will be made at any time to list the Notes on any stock exchange. A communication of an invitation or inducement to engage in investment activity (within the meaning of Section 21 of the Financial Services and Markets Act 2000 (the “FSMA”)) received in connection with the issue or sale of any Notes will only be made in circumstances in which Section 21(1) of the FSMA would not, if the Issuer were not an “authorised person”, apply to the Issuer. A31171295 2 TAX Save for the comments made below by the Issuer, no comment is made, and no advice is given by the Issuer, the Arranger or any Dealer in respect of taxation matters relating to the Notes and each investor is advised to consult its own professional adviser. Automatic Exchange of Information for Tax Purposes EU Council Directive 2003/48/EC on the taxation of savings income (the “Savings Directive”), required EU member states to provide to the tax authorities of another EU member state details of payments of interest (or similar income which may include distributions by a company) paid by a person within its jurisdiction to an individual resident in that other EU member state. On 10 November 2015 the Council of the European Union (“EU”) adopted the EU Council Directive 2015/2060/EU repealing the Savings Directive from 1 January 2017, in the case of Austria and from 1 January 2016, in the case of all other EU member states (subject to on-going requirements to fulfil administrative obligations such as the reporting and exchange of information relating to, and accounting for withholding taxes on, payments made before those dates). That repeal of the Savings Directive is to prevent overlap between the Savings Directive and a new automatic exchange of information regime to be implemented under EU Council Directive 2011/16/EU on Administrative Cooperation in the field of Taxation (as amended by EU Council Directive 2014/107/EU) (“DAC2”). DAC2 provides for the implementation among EU member states (and certain third countries that have entered into information exchange agreements with the relevant EU member state or the European Commission (“IEA”)) of the automatic exchange of information in respect of various categories of income and capital and broadly encompasses the regime known as the Common Reporting Standard (“CRS”) proposed by the OECD as a new global standard for the automatic exchange of information between tax authorities in participating jurisdictions.
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