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Terms of access

Please read carefully the following terms and conditions of access, which apply to all persons who view this page. The terms and conditions may be altered or updated. You should read them in full each time you visit the site.

IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS SITE OR ANY OF THE INFORMATION CONTAINED HEREIN.

By accessing this site and the information contained herein, you agree to be bound by the terms and conditions below and agree that the use of the materials and information contained on the site for any purpose other than as described herein, or as otherwise permitted in writing by Virgin Money, is strictly prohibited.

The material and information placed on this site by Virgin Money is being made available to you for information purposes only. You will use this site solely for your internal use and in accordance with these terms and conditions.

The information and material placed on this site may not be forwarded or distributed by, or on behalf of, you to any other person and may not be reproduced by, or on behalf of, you in any manner whatsoever. Any forwarding, distribution or reproduction by, or on behalf of, you of any information in whole or in part is unauthorised. References in these terms of access to "Virgin Money" shall be deemed to be references to Virgin Money UK PLC, Clydesdale Bank PLC and each of their respective subsidiaries and affiliates.

Restrictions on access

By accessing this site, you are deemed to confirm and acknowledge that:

(a) the materials on this site are not directed at, and may not be viewed by or distributed to:

(i) persons located or resident in the United States, its possessions or territories or persons who are U.S. persons (as defined in Regulation S under the Securities Act of 1933, as amended (the "Securities Act”); or

(ii) persons in the United Kingdom except for persons who (i) are investment professionals within the meaning of Article 19 of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 as amended (the "Order"), or (ii) are persons falling within Article 49(2) (a) to (d) of the Order; or (iii) are otherwise persons to whom the materials may be lawfully communicated; or

(iii) any retail investor in the European Economic Area ("EEA"). For these purposes, a retail investor means a person who is one (or more) of: (i) a retail client as defined in point (11) of Article 4(1) of Directive 2014/65/EU (as amended, "MiFID II"); or (ii) a customer within the meaning of Directive (EU) 2016/97 (as amended), where that customer would not qualify as a professional client as defined in point (10) of Article 4(1) of MiFID II; or

(iv) any retail investor in the United Kingdom ("UK"). For these purposes, a retail investor means a person who is one (or more) of: (i) a retail client as defined in point (8) of Article 2 of Regulation (EU) No 2017/565 as it forms part of UK domestic law by virtue of the European Union (Withdrawal) Act 2018 ("EUWA"); or (ii) a customer within the meaning of the provisions of the Financial Services and Markets Act 2000 (the "FSMA") and any rules or regulations made under the FSMA to implement Directive (EU) 2016/97, where that customer would not qualify as a professional client, as defined in point (8) of Article 2(1) of Regulation (EU) No 600/2014 as it forms part of UK domestic law by virtue of the EUWA; or

(v) any other persons who are not persons to whom the materials may be otherwise lawfully communicated under the laws of any other jurisdiction;

(b) you are (and any person for whom, or on whose behalf, you are acting is) a person to whom the materials on the site may be lawfully communicated under the laws of all applicable jurisdictions and are not subject to any legal requirements that prohibit or restrict you (or such person) from viewing such materials;

(c) you will not offer or sell any securities (the "Securities”) referred to on the site, or distribute, transmit or otherwise disseminate any materials or information contained on this site, other than to persons to whom such offer or sale can lawfully be made or, as the case may be, to whom such materials and/or information can be lawfully distributed under all applicable laws; and

(d) you have complied and will comply with all applicable provisions of the FSMA with respect to anything done by you in relation to any Securities in, from or otherwise involving the United Kingdom.

Where acting as agent on behalf of a disclosed or undisclosed client in connection with the Securities, you make these confirmations and acknowledgements on behalf of yourself and your underlying client(s).

Prohibition on marketing and sales of the Securities to retail investors

The Securities are complex financial instruments. They are not a suitable or appropriate investment for all investors, especially retail investors. In some jurisdictions (including the United Kingdom), regulatory authorities have adopted or published laws, regulations or guidance with respect to the offer or sale of securities such as the Securities. Potential investors in the Securities should inform themselves of, and comply with, any applicable laws, regulations or regulatory guidance with respect to any resale of the Securities (or any beneficial interests therein).

By accessing this site you represent, warrant, agree with, and undertake to, Virgin Money that:

(a) you are not a retail client in the UK; and

(b) you will not sell or offer the Securities (or any beneficial interest therein) to retail clients in the UK or communicate or approve an invitation or inducement to participate in, acquire or underwrite the Securities (or any beneficial interests therein) where that invitation or inducement is addressed to or disseminated in such a way that it is likely to be received by a retail client in the UK.

Investment considerations

The materials included on this site are historical in nature and only current as of the date of the materials. Past results do not predict future performance. Virgin Money is not acting as a financial advisor or in any other fiduciary capacity with respect to this site and the information contained herein. Before you enter into any transaction in relation to any securities referred to on this site, you should also consult their own financial and legal advisors about risks associated with investment in a particular issue of Securities and the suitability of investing in the Securities in light of their particular circumstances.

Except for information that is required to be maintained from time to time by Virgin Money pursuant to the terms of the Securities neither Virgin Money nor any other party has any duty to maintain or update any material on this site and no representation or warranty, express or implied, is or will be made in relation to, the accuracy or completeness of the information.

Certain materials placed on this site contain legends, limitations, qualifications or other restrictions relating to the nature or use of such material. Any such legends, limitations, qualifications or restrictions continue to apply notwithstanding that the materials have been placed on the site.

No offer or solicitation

This site and the information contained herein has been prepared solely for the purposes of information and does not constitute an invitation or recommendation to invest or otherwise deal in, or an offer to sell or the solicitation of an offer to buy or subscribe for, any Securities. The site does not create any legally binding obligations on the part of Virgin Money, nor does it constitute an offer or the solicitation of an offer for the purchase or sale of any Securities or a recommendation to enter into any transaction. This site does not purport to provide any financial, investment, accounting, tax, regulatory or legal advice or recommendation.

Any Securities referred to in this site have not been, and will not be, registered under the Securities Act and are subject to United States tax law requirements. Subject to certain exceptions, Securities may not be offered, sold or delivered within the United States or to U.S. persons.

The Securities are not intended to be offered, sold or otherwise made available to and should not be offered, sold or otherwise made available to any retail investor in the EEA. Consequently, no key information document required by Regulation (EU) No 1286/2014 (the "EU PRIIPs Regulation") for offering or selling the Securities or otherwise making them available to retail investors in the European Economic Area has been prepared and therefore offering or selling the Securities or otherwise making them available to any retail investor in the European Economic Area may be unlawful under the PRIIPS Regulation.

The Securities are not intended to be offered, sold or otherwise made available to and should not be offered, sold or otherwise made available to any retail investor in the UK. Consequently, no key information document required by Regulation (EU) No 1286/2014 as it forms part of UK domestic law by virtue of the EUWA (the "UK PRIIPs Regulation") for offering or selling the Securities or otherwise making them available to retail investors in the UK has been prepared and therefore offering or selling the Securities or otherwise making them available to any retail investor in the UK may be unlawful under the UK PRIIPs Regulation.

No liability

The information set forth on this site has been electronically converted from the magnetic media format from which the original version of such document was printed. Whilst Virgin Money has taken all reasonable steps to ensure that the information contained on the site is accurate as of the date stated, Virgin Money excludes to the full extent permitted under applicable law any warranties, undertakings or representations that the information contained on the site is accurate, current or complete. The information is not tailored for any particular investor or any other recipient and does not constitute investment advice and in no event shall Virgin Money be liable to you or any third party for any direct, indirect, consequential or other losses or damages of any kind, or any damages whatsoever, on any theory of liability arising out of or in connection with the use of any information set forth on this site (but this is without prejudice to the rights of an investor in any Securities in the event of a breach by Virgin Money of the terms of issue of the Securities). Any information sourced from third parties ("Third Party Materials") made available on this site, does not imply any endorsement by Virgin Money for the opinions, ideas, products, information or services offered therein regarding the content of any Third Party Materials.

Governing law

These terms of access and any non-contractual obligations arising out of or in connection with them will be governed by, and construed in accordance with, the laws of England and Wales. The English courts will have exclusive jurisdiction to settle any disputes which may arise in connection with the terms of access or any non-contractual obligations arising out of or in connection with the terms of access.

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