Division 11.4.1 AIB shall provide, on FRAND terms and on terms which recoup AIB's Incremental Costs (including the relevant cost of capital and cost of capital means the cost of AIB's funds (e.g. debt and equity) to support this business), to Relevant Competitors:

access to Ireland's bank clearing system (both servicing paper and electronic transactions);

debit card access to any automated teller machine network in Ireland of which AIB is a member;

access to market intelligence (e.g. rate of default of customers generally and macro/microeconomic data generally) but such access shall be subject to compliance with all laws, codes and practices including, without limitation, those relating to data protection, confidentiality, intellectual property, contract and competition;

access to cash supply and distribution services; and

foreign exchange supply and distribution services.