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* 1. If AIB offered Creditors (Direct Debit file submitters) the ability to submit files one day in advance* of the due date of your file (when the credit is applied to your nominated Account), would you avail of this offering?
(*Subject to cut-off times)

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* 2. How often do you reconcile the nominated Account that receives the credit value for your SEPA Direct Debit file?

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* 3. When do you reconcile the nominated Account that receives the credit value for your SEPA Direct Debit file?

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* 4. Is this reconciliation completed by you manually or have you automated this process?

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* 5. Today AIB post a single credit entry for the net value of your SEPA file (the gross value of your file minus any early or pre-settled rejections). If AIB changed to Gross Settlement, whereby the full value of your file was credited to your Account and the pre-settlement rejections were posted as separate debit entries - would this make your reconciliation;

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* 6. Would a change to Gross settlement (posting the full value of your file & separate debit entries for the early rejections) require an IT Change or a change to your operational processes?

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* 7. How much time would you estimate it would take you to implement this change?

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* 8. Do you find the current narratives/references posted to your nominated Account alongside the value of your SEPA Direct Debit file helpful?

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* 9. If the narratives were amended to enhance your reconciliation process, how much time would you estimate it would take you to implement this change?

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