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DISCLAIMER - IMPORTANT

Recommended cash offer for the entire issued and to be issued share capital of Virgin Money UK plc ("Virgin Money") by Nationwide Building Society ("Nationwide") (the "Offer").

THIS SECTION OF THE WEBSITE (THE "MICROSITE") CONTAINS ANNOUNCEMENTS, DOCUMENTS AND INFORMATION (TOGETHER THE "INFORMATION") RELATING TO THE OFFER. THE INFORMATION IS BEING MADE AVAILABLE IN GOOD FAITH AND FOR INFORMATION PURPOSES ONLY, AND ITS AVAILABILITY IS SUBJECT TO THE TERMS AND CONDITIONS SET OUT BELOW.

If you would like access to the Information please read this notice carefully – it applies to all persons who view this Microsite and, depending on where you live, it may affect your rights or responsibilities. Virgin Money reserves the right to amend or update this notice at any time and you should, therefore, read it in full each time you visit the Microsite. In addition, the contents of the Microsite may be amended at any time in whole or in part at the sole discretion of Virgin Money.

Basis of access

The Information is not intended to, and does not, constitute or form any part of an offer to sell or otherwise dispose of or an invitation or the solicitation of an offer to purchase or otherwise acquire any securities, or the solicitation of a vote or approval pursuant to the Offer or otherwise in any jurisdiction in which such offer or solicitation is unlawful.

The Information speaks only at the date of the relevant document or announcement and Virgin Money has, and accepts, no responsibility or duty to update any Information (other than to the extent such duty arises as a matter of law or regulation).

If you are in doubt about the contents of this Microsite or the action you should take, you should seek your own financial advice from your stockbroker, bank manager, accountant or other independent financial adviser authorised under the Financial Services and Markets Act 2000, if you are in the United Kingdom, or from another appropriately authorised independent financial adviser if you are taking advice in a territory outside the United Kingdom.

The Information contained in this Microsite is subject to, and must be read in conjunction with, all other publicly available information and, where relevant, any further disclosure document(s) published by Virgin Money and/or Nationwide.

Responsibility

In relation to any Information contained in this Microsite, the only responsibility accepted by Virgin Money and the directors of Virgin Money is for the correctness and fairness of its reproduction or presentation unless a responsibility statement in any relevant document expressly provides otherwise.

Neither Virgin Money, its affiliated companies, nor any of their respective directors or advisers have reviewed, and no such person is or shall be responsible for or accepts any liability in respect of, any Information contained on any other website which may be linked to this Microsite by a third party.

Overseas Persons

The Information is not for publication or distribution, directly or indirectly, in or into any jurisdiction where to do so would violate the law of that jurisdiction or would result in a requirement to comply with any governmental or other consent on any registration, filing or other formality which Virgin Money regards as unduly onerous (each a "Restricted Jurisdiction"), accordingly, viewing the Information may not be lawful if you are resident or located in a Restricted Jurisdiction. In certain jurisdictions, including Restricted Jurisdictions, only certain categories of person may be allowed to view such materials. Any person resident or located outside the United Kingdom who wishes to view the Information must first satisfy themselves that they are not subject to any local requirements that prohibit or restrict them from doing so.

Similarly, the Information is not being, and must not be, released or otherwise forwarded, distributed or sent in or into a Restricted Jurisdiction and persons receiving such Information (including custodians, nominees and trustees) must not distribute or send it in, into or from a Restricted Jurisdiction.

If you are not resident or located in a Restricted Jurisdiction, you may access the Information but you are responsible for first satisfying yourself as to the full observance of the laws and regulatory requirements of your jurisdiction.

If you are not permitted to view the Information or are in any doubt as to whether you are permitted to do so, please exit this Microsite and seek independent advice. Neither Virgin Money, its affiliated companies, nor any of their respective directors or advisers assume any responsibility for any violation by any person of any of these restrictions.

This Microsite contains Information that has been prepared for the purposes of complying with English law and the City Code on Takeovers and Mergers and the Information disclosed may not be the same as that which would have been disclosed if this Information had been prepared in accordance with the laws and regulations of any jurisdiction outside of England and Wales.

Forward-looking statements

The Information may contain certain "forward looking statements" regarding the financial position, business strategy or plans for future operations of Virgin Money, Nationwide and their respective group of companies. All statements other than statements of historical fact included in any document may be forward looking statements. By their nature forward looking statements are subject to risks, uncertainties and assumptions about the company and its securities, investments and the environment in which it operates, including, among other things, the development of its business and strategy, trends in its operating industry, changes to customer behaviours and covenant, macroeconomic and/or geopolitical factors, the repercussions of the outbreak of coronaviruses (including but not limited to the COVID-19 outbreak), changes to its board and/or employee composition, exposures to terrorist activity, IT system failures, cyber-crime, fraud and pension scheme liabilities, risks relating to environmental matters such as climate change including the Virgin Money Group's ability along with the government and other stakeholders to measure, manage and mitigate the impacts of climate change effectively, changes to law and/or the policies and practices of the Bank of England, the FCA and/or other regulatory and governmental bodies, inflation, deflation, interest rates, exchange rates, tax and national insurance rates, changes in the liquidity, capital, funding and/ or asset position and/or credit ratings of Virgin Money Group, future capital expenditures and acquisitions, the repercussions of the UK's exit from the EU (including any change to the UK’s currency and the terms of any trade agreements (or lack thereof) between the UK and the EU), Eurozone instability, Russia’s invasion of Ukraine, any referendum on Scottish independence, and any UK or global cost of living crisis or recession, and therefore undue reliance should not be placed on such statements which speak only as at the date of the relevant document. Virgin Money assumes no obligation to, and does not intend to, revise or update any forward looking statements, except as required pursuant to applicable law or regulation.

Unless expressly stated otherwise, no statement in this Microsite is intended to constitute a profit forecast or quantified financial benefits statement for any period and no statement should be interpreted to mean that earnings or earnings per share will necessarily be greater or lesser than those for the relevant preceding financial periods for Virgin Money or Nationwide as appropriate.

Acceptance of disclaimer

If you are not resident or located in a Restricted Jurisdiction and are able to give the confirmations set out below, please click on "CONFIRM".

Confirmation of understanding and acceptance

In order to view the materials on this Microsite, by clicking on the "CONFIRM" box below, you are making the following confirmations:

  1. I have read and understood the notice set out above and agree to be bound by its terms;
  2. I am a resident of or located in the United Kingdom or another jurisdiction where the access to the Information by me does not constitute a violation of the relevant laws of such jurisdiction;
  3. I am not resident of or located in a Restricted Jurisdiction and I am not acting on behalf of someone who is resident or located in a Restricted Jurisdiction; and
  4. I will not copy, forward, transfer or distribute the Information to any person who is resident or located in a Restricted Jurisdiction.

If you are not able to give these confirmations (as applicable), you should click on DECLINE below and we cannot provide you with the information contained on this Microsite.

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