Autopoint.ie is a trading name of First Citizen Finance DAC.

AGREEMENT BETWEEN USER AND FIRST CITIZEN FINANCE

The First Citizen Finance Web Site is comprised of various Web pages operated by First Citizen Finance. The First Citizen Finance Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the First Citizen Finance Web Site constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION OF THESE TERMS OF USE

First Citizen Finance reserves the right to change the terms, conditions, and notices under which the First Citizen Finance Web Site is offered, including but not limited to the charges associated with the use of the First Citizen Finance Web Site.

LINKS TO THIRD PARTY SITES

The First Citizen Finance Web Site may contain links to other Web Sites ("Linked Sites"). The Linked Sites are not under the control of First Citizen Finance and First Citizen Finance is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. First Citizen Finance is not responsible for webcasting or any other form of transmission received from any Linked Site. First Citizen Finance is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by First Citizen Finance of the site or any association with its operators.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the First Citizen Finance Web Site, you warrant to First Citizen Finance that you will not use the First Citizen Finance Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the First Citizen Finance Web Site in any manner which could damage, disable, overburden, or impair the First Citizen Finance Web Site or interfere with any other party's use and enjoyment of the First Citizen Finance Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the First Citizen Finance Web Sites.

USE OF COMMUNICATION SERVICES

The First Citizen Finance Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
• Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
• Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
• Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
• Conduct or forward surveys, contests, pyramid schemes or chain letters.
• Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
• Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
• Restrict or inhibit any other user from using and enjoying the Communication Services.
• Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
• Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
• Violate any applicable laws or regulations.

First Citizen Finance has no obligation to monitor the Communication Services. However, First Citizen Finance reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. First Citizen Finance reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

First Citizen Finance reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in First Citizen Finance sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. First Citizen Finance does not control or endorse the content, messages or information found in any Communication Service and, therefore, First Citizen Finance specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized First Citizen Finance spokespersons, and their views do not necessarily reflect those of First Citizen Finance. Materials uploaded to a Communication Service may be subject to posted

limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.