Financial Express (Holdings) Limited (“we”, “our”, “us” and derivatives) are committed to protecting and respecting your privacy. This Privacy Policy, together with our Terms of Use, sets out the basis on which any personal data that we collect from you, or that you provide to us, will be processed by us relating to your use of any of the below websites (“sites”).


For the purposes of the Data Protection Act 1998, the data controller is Trustnet Limited of 2nd Floor, Golden House, 30 Great Pulteney Street, London, W1F 9NN. Our nominated representative for the purpose of this Act is Kirsty Witter.


We collect information about you when you register with us or use any of our websites / services. Part of the registration process may include entering personal details & details of your investments.

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You confirm that all information you supply is accurate.


In order to provide personalised services to and analyse site traffic, we may use a cookie file which is stored on your browser or the hard drive of your computer. Some of the cookies we use are essential for the sites to operate and may be used to deliver you different content, depending on the type of investor you are.

You can block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or part of our sites. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon as you visit our sites.


We store and use information you provide as follows:

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We may also send you emails to provide information and keep you up to date with developments on our sites. It is our policy to have instructions on how to unsubscribe so that you will not receive any future e-mails. You can change your e-mail address at any time.

In order to provide support on the usage of our tools, our support team need access to all information provided in relation to the tool.

We will not disclose your name, email address or postal address or any data that could identify you to any third party without first receiving your permission.

However, you agree that we may disclose to any regulatory authority to which we are subject and to any investment exchange on which we may deal or to its related clearing house (or to investigators, inspectors or agents appointed by them), or to any person empowered to require such information by or under any legal enactment, any information they may request or require relating to you, or if relevant, any of your clients.

You agree that we may pass on information obtained under Money Laundering legislation as we consider necessary to comply with reporting requirements under such legislation.


We want to ensure that the personal information we hold about you is accurate and up to date. You may ask us to correct or remove information that is inaccurate.

You have the right under data protection legislation to access information held about you. If you wish to receive a copy of any personal information we hold, please write to us at 3rd Floor, Hollywood House, Church Street East, Woking, GU21 6HJ. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.


The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff may be engaged in, amongst other things, the provision of support services. By submitting your personal data, you agree to this transfer, storing and processing. We will take all steps reasonably necessary, including the use of encryption, to ensure that your data is treated securely and in accordance with this privacy policy.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our sites; any transmission is at your own risk. You will not hold us responsible for any breach of security unless we have been negligent or in wilful default.


Any changes we make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.


Our sites contain links to other websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.


If you want more information or have any questions or comments relating to our privacy policy please email in the first instance.

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Allied Irish Banks (ALBK)

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Friday 14 March, 2003

Allied Irish Banks

M&T Regulatory approval

Allied Irish Banks PLC
14 March 2003

Allied Irish Banks p.l.c. attaches the following M&T announcement for your

CONTACT:      Michael S. Piemonte               FOR IMMEDIATE RELEASE

              (716) 842-5138               Friday, March 14, 2003


        Allfirst/AIB Written Agreement with Regulators to be Terminated;

                     Merger to Become Official on April 1;

         M&T's 2003 Annual Meeting of Stockholders Scheduled for May 20

BUFFALO, N.Y. --- Federal and state regulators have approved M&T Bank
Corporation's ('M&T')(NYSE:MTB) applications to acquire Allfirst Financial, Inc.
('Allfirst'), and M&T said the transaction will be consummated on April 1, 2003.
M&T announced last September that it had agreed to acquire Baltimore-based
Allfirst from its parent company, Allied Irish Banks p.l.c. ('AIB')(NYSE:AIB),
for approximately $3.1 billion in stock and cash.

M&T received approvals from the Board of Governors of the Federal Reserve System
('Federal Reserve Board'), as well as the state banking departments in New York
Maryland, Pennsylvania and Delaware. Additionally, AIB has received approvals
from the Central Bank of Ireland, the Federal Reserve Board and the New York
State Banking Department. The stockholders of M&T and AIB approved the deal in
December 2002.

In connection with the approvals of M&T's acquisition of Allfirst, the written
agreement that AIB and Allfirst entered into with their respective banking
regulators after the fraudulent foreign exchange trading activities at Allfirst
were uncovered in early 2002 will be terminated upon M&T's acquisition of

M&T also announced that its Board of Directors has scheduled its 2003 Annual
Meeting of Stockholders for May 20, 2003.

The merger of M&T and Allfirst will create a strong mid-Atlantic banking
franchise with more than 700 branches in six states and the District of Columbia
and approximately $50 billion in assets.

Under terms of the acquisition agreement, AIB will receive 26.7 million shares
of M&T common stock and approximately $886 million in cash in exchange for all
of the outstanding stock of Allfirst. AIB Group Chief Executive Michael D.
Buckley, AIB Group Director of Finance Gary Kennedy, Allfirst Chairman and CEO
Eugene J. Sheehy and a fourth AIB designee will join the Board of Directors of M
&T and its primary banking subsidiary, Manufacturers and Traders Trust Company
('M&T Bank'). Sheehy will also become an Executive Vice President of M&T and
Chairman and CEO of M&T's Mid-Atlantic Division, and will be headquartered in
Baltimore along with M&T Executive Vice President Atwood Collins III, who will
become President and COO of the Mid-Atlantic Division.

'With this merger, Allfirst joins forces with a financial services institution
long-known for quality, consistency and success. Together, we will create an
even stronger institution that will benefit our customers and communities,'
Sheehy said.

'Allfirst is the perfect addition to our presence in the Mid-Atlantic region,
with strong market share in growing markets,' said Collins. 'We anticipate a
smooth integration for the customers and communities we serve.' Collins added
that customers will not notice any major changes immediately. The integration of
Allfirst's systems with M&T's -- and the changeover of Allfirst's name to M&T's
-- is scheduled to be largely completed by mid-2003.

'Even after the Allfirst signs come down and the M&T signs go up, customers will
find the same friendly and experienced associates they have always dealt with at
Allfirst -- and an even wider array of products and services to help them meet
their financial needs and goals,' concluded Collins.

                                    - ENDS-

                      This information is provided by RNS
            The company news service from the London Stock Exchange