Virgin Money UK PLC

Moody's
Short term Long term Outlook
P-3 Baa3 Stable
Standard and Poor’s
Short term Long term Outlook
A- 3 BBB- Stable
Fitch
Short term Long term Outlook
F2 BBB+ Rating Watch Negative

Clydesdale Bank PLC

Moody's
Short term* Long term* Outlook
P-2 Baa1 Stable
Standard and Poor’s
Short term Long term Outlook
A- 2 BBB+ Stable
Fitch
Short term Long term Outlook
F2 A- Rating Watch Negative

*Deposit ratings

Following the FSMA Part VII Transfer the credit ratings for Virgin Money Holdings (UK) plc and Virgin Money plc have been withdrawn.