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From: "Virgin Money" <email@creditcard.virginmoney.com>
Subject: Bringing Nationwide and Virgin Money together
Date: Tue, 25 Nov 2025 18:09:03 GMT
To: <vince@showfile.com>
Reply-To: "Virgin Money" <no-reply@creditcard.virginmoney.com>
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What it means for you =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C
So you know our emails are genuine, whenever we include links to our website in emails we will also quote the last four digits of your card number: 8283
http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f04&p1=3D106610804
What bringing Nationwide and Virgin Money together means for you
Your reference: VM44913
Hello Vincent,
In October 2024, Virgin Money and Nationwide became part of the same group. We=E2=80=99re now working towards Virgin Money=E2=80=99s business becoming part of Nationwide on 2 April 2026 , if the Court approves the transfer.
Please read this email carefully, together with =E2=80=98Your questions answered=E2=80=99 at http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f05&p1=3D106610804 virginmoney.com/nationwide-transfer
At a glance
The High Court is due to sit on 23 February 2026 to decide if the transfer of Virgin Money's business to Nationwide can go ahead.
If approved, the transfer is expected to happen on 2 April 2026 .
The transfer won=E2=80=99t change your day-to-day banking and you can continue to manage your Virgin Money account(s) in the same way as you do today.
Please read the information we have sent you, including how you can object if you have any concerns. You can also visit http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f06&p1=3D106610804 virginmoney.com/nationwide-transfer
Managing your Virgin Money Credit Card(s) after the transfer
As a result of the transfer, there won=E2=80=99t be any change to your day-to-day banking:
- There are no changes to your 16-digit credit card number, your PIN or any account features including any promotional rate(s) on your account.
- You don=E2=80=99t need to make any changes to the way you make your payments, including any Direct Debit(s).
- Your Virgin Money Credit Card(s) will still be branded Virgin Money and our contact details will stay the same.
- You can carry on using the same sign-in details when you log into the Virgin Money Credit Card app.
- Our web addresses will also stay the same.
You know us as Virgin Money =E2=80=93 that=E2=80=99s our trading name. Our legal name is Clydesdale Bank PLC. When we refer to Nationwide, we mean Nationwide Building Society.
One change you=E2=80=99ll start to see is the Nationwide Building Society name (instead of Clydesdale Bank PLC) at the bottom of emails and statements.
Changes to your Virgin Money Credit Card(s) Terms
Your Virgin Money Credit Card(s) will move to be part of Nationwide and, following the transfer, your Terms will be updated to reflect Nationwide being your account provider. There won=E2=80=99t be any other changes to your Terms as part of this transfer.
The transfer won=E2=80=99t change the way you use your account(s), but as we bring the two businesses together after the transfer, we may make some changes. If a change impacts you, we=E2=80=99ll give you plenty of notice and explain what it means to you.
The data controller will change after the transfer
Nationwide will become the data controller of any personal data which Virgin Money uses or holds. For more information about your personal data, including what happens with your marketing permissions, please see Q29 and Q30 in the =E2=80=98General=E2=80=99 section of =E2=80=98Your questions answered=E2=80=99 at http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f07&p1=3D106610804 virginmoney.com/nationwide-transfer
Becoming a member of Nationwide
Nationwide is a building society, which means it=E2=80=99s a mutual =E2=80=93 owned by its members and run for their benefit. A member is a Nationwide customer with a mortgage, current account, or savings account.
Becoming a member depends on the kind of Virgin Money account(s) you have when the transfer happens, together with your personal circumstances and status. Only having a credit card with us does not make you a member.
Members get certain benefits and are also part of Nationwide=E2=80=99s charitable assignment scheme. You can find out more in Q25 in the =E2=80=98General=E2=80=99 section of =E2=80=99Your questions answered=E2=80=99 at http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f08&p1=3D106610804 virginmoney.com/nationwide-transfer
Next steps
A Court hearing needs to take place to decide whether to approve the transfer. This Court hearing is due to take place in the High Court in London on 23 February 2026 , though this date may change. If it does, we=E2=80=99ll update our website at http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f09&p1=3D106610804 virginmoney.com/nationwide-transfer
If the Court approves the transfer, your Virgin Money Credit Card(s) will transfer to Nationwide by a Court Order under Part VII of the Financial Services and Markets Act 2000 on 2 April 2026 . This date may change too. If it does, we=E2=80=99ll update our website.
The transfer will happen automatically. We=E2=80=99ve worked closely with our regulators to make sure the transfer is made carefully and smoothly.
Objecting to the transfer
If you=E2=80=99d like to object directly to us, please get in touch by 9 February 2026 , and we=E2=80=99ll send a copy of your objection to the Court before the hearing on 23 February 2026 .
You can call our dedicated team on 0800 066 5008* (or 00 44 141 880 2050** if you=E2=80=99re calling from outside the UK). We=E2=80=99re here from 8am to 6pm, Monday to Friday and 9am to 3pm on Saturdays.
You can also speak to us in branch. To find your nearest one, head to http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f0d&p1=3D106610804 virginmoney.com/branch-finder
If you prefer, you can also email us at mailto:nationwide-transfer@virginmoney.com=3Futm_campaign=3DVM44036v1_Part_VII_Product_Only_Master_-_Cards&utm_content=3D106610804&utm_medium=3Demail&utm_source=3Dcustomer_marketing nationwide-transfer@virginmoney.com or write to us at:
Nationwide Transfer
The team at Virgin Money
Sunderland
SR43 4JB
We will reply to all objections we receive and submit copies of these objections to the Court, as well as to the Prudential Regulation Authority and the Financial Conduct Authority.
If you want to object directly to the Court, you=E2=80=99ll need to do this in person by going to the hearing or sending a legal representative to speak for you. This is because the Court does not accept objections in writing.
You won=E2=80=99t be able to object after the Court hearing on 23 February 2026 .
For more details on how you can object, take a look at Q7 in the =E2=80=98General=E2=80=99 section of =E2=80=98Your questions answered=E2=80=99 at http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f0a&p1=3D106610804 virginmoney.com/nationwide-transfer
Staying safe and avoiding fraud
Fraudsters often take advantage of times of change to try and persuade people to transfer money or share personal or financial information. Your 16-digit credit card number and PIN aren=E2=80=99t changing. Virgin Money or Nationwide will never ask you to move your money to another account or to change any Direct Debits or standing orders.
Please be extra vigilant if you=E2=80=99re contacted by phone, email or text from someone claiming to be from Virgin Money or Nationwide, asking you to take action. If you=E2=80=99re suspicious, stop all contact and call us using the number on the back of your card or visit http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f0b&p1=3D106610804 virginmoney.com/report-fraud
Help is at hand
If you have any questions about the transfer, you can call our dedicated team on 0800 066 5008* (or 00 44 141 880 2050** if you=E2=80=99re calling from outside the UK). We=E2=80=99re here from 8am to 6pm, Monday to Friday and 9am to 3pm on Saturdays.
If you prefer, you can also email us at mailto:nationwide-transfer@virginmoney.com=3Futm_campaign=3DVM44036v1_Part_VII_Product_Only_Master_-_Cards&utm_content=3D106610804&utm_medium=3Demail&utm_source=3Dcustomer_marketing nationwide-transfer@virginmoney.com
You can also find important information, including a summary of the terms of the transfer and a copy of the formal notice of the transfer, at http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f0c&p1=3D106610804 virginmoney.com/nationwide-transfer
You can also speak to us in branch. To find your nearest one, head to http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f0e&p1=3D106610804 virginmoney.com/branch-finder
Chris Rhodes
Chief Executive Officer, Virgin Money
http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f0f http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f10 http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f11
Stay safe online
http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f12&p1=3D106610804 How to check if an email is genuine
http://t.emails.virginmoney.com/r/=3Fid=3Dt62878574,65ac074,2123f13&p1=3D106610804 Visit our Security Centre
* Calls may be monitored or recorded. Calls to 0800 numbers are free from personal mobile phones and residential UK landlines.
** Additional call charges may apply, please check with your phone provider.
So you know this email is from us, we've included the last four digits of your credit card number at the top.
Please read, important information about email security: To ensure that you receive all emails about your card, add mailto:email@creditcard.virginmoney.com=3Futm_campaign=3DVM44036v1_Part_VII_Product_Only_Master_-_Cards&utm_content=3D106610804&utm_medium=3Demail&utm_source=3Dcustomer_marketing email@creditcard.virginmoney.com to your email address book or Safe List. However, since email is not a secure form of communication, please do not reply to us by email.
If for any reason you think this email is not from the team at Virgin Money, please forward it to us at mailto:report.phishing@virginmoney.com=3Futm_campaign=3DVM44036v1_Part_VII_Product_Only_Master_-_Cards&utm_content=3D106610804&utm_medium=3Demail&utm_source=3Dcustomer_marketing report.phishing@virginmoney.com (please note no acknowledgement will be sent).
Clydesdale Bank PLC (trading as Virgin Money) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 121873. Credit facilities other than regulated mortgages and regulated credit agreements are not regulated by the Financial Conduct Authority. Clydesdale Bank PLC is registered in Scotland (No. SC001111). Registered Office: 177 Bothwell Street, Glasgow G2 7ER.
This message and any attachments have been scanned for viruses prior to leaving our network. However, we cannot guarantee the security of this message and will not be responsible for any damage as a result of any virus being passed on by a third party. We may monitor emails sent to and from this email account.
VM44913v1
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bsp;‌ ‌ ‌ ‌ ‌ ‌ =
;‌ ‌ ‌ ‌ ‌ ‌ &z=
wnj;
</div>
<!--<![endif]-->
<div class=3D"container" role=3D"article" aria-roledescription=3D"email" =
lang=3D"en" style=3D"font-size:16px; background-color:#dfe3e6;">
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
role=3D"presentation">
<tr>
<td align=3D"center">
<!--[if mso]>
<table width=3D"660" align=3D"center" cellpadding=3D"0" cellspaci=
ng=3D"0" border=3D"0" role=3D"presentation" style=3D"width:660px;">
<tr>
<td width=3D"660" style=3D"width:660px;">
<![endif]-->
<div style=3D"max-width:660px; margin:0 auto;">
<!-- SECURITY -->
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"=
0" border=3D"0" role=3D"presentation">
<tr>
<td class=3D"ph32" style=3D"padding:8px 24px 16px 2=
4px; text-align:left;">
<p style=3D"margin:0; font-family:Arial,Helvetica=
,sans-serif; font-size:0.75em; color:#23282d; line-height:1.5em;">
So you know our emails are genuine, whenever we=
include links to our website in emails we will also quote the last four di=
gits of your card number: 8283
</p>
</td>
</tr>
</table>
<!-- //SECURITY -->
<!-- HEADER -->
<table width=3D"100%" bgcolor=3D"#ffffff" cellpadding=
=3D"0" cellspacing=3D"0" border=3D"0" role=3D"presentation">
<tr>
<td class=3D"ph32" align=3D"left" style=3D"padding:=
24px;">
<a target=3D"_blank" href=3D"http://t.emails.virg=
inmoney.com/r/=3Fid=3Dh62878574,65ac074,2123ef4&p1=3D106610804"><img src=3D=
"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/vm_red.png" width=
=3D"277" alt=3D"Virgin Money" style=3D"display:block; width:100%; max-width=
:277px; height:auto;">
</a>
</td>
</tr>
</table>
<!-- //HEADER -->
<!-- HR3 -->
<table width=3D"100%" bgcolor=3D"#ffffff" cellpadding=
=3D"0" cellspacing=3D"0" border=3D"0" role=3D"presentation">
<tr>
<td class=3D"ph32" bgcolor=3D"#e10a0a" style=3D"p=
adding:24px 24px 32px 24px; text-align:left;">
<h1 style=3D"margin:0; font-family:Arial,Helvet=
ica,sans-serif; font-size:2em; font-weight:400; color:#ffffff; line-height:=
1.2em; text-transform:uppercase;">
What bringing Nationwide and Virgin Money t=
ogether means for you
</h1>
</td>
</tr>
<tr>
<td>
<img width=3D"660" alt=3D"" border=3D"0" styl=
e=3D"display:block; width:100%; height:auto;" src=3D"https://res.emails.vir=
ginmoney.com/res/virginm_mkt_prod3/pattern_hero_red_light.png">
</td>
</tr>
</table>
<!-- //HR3 -->
<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" role=3D"presentation" bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" style=3D"paddin=
g:24px 24px 32px 24px; text-align:left;">
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:1em; color:#000001; line-height:1.5em;">
Your reference: VM44913<br><br>Hello Vincen=
t,<br><br>In October 2024, Virgin Money and Nationwide became part of the s=
ame group. We’re now working towards Virgin Money’s business =
becoming part of Nationwide on <span style=3D"white-space:nowrap;"><strong =
style=3D"">2 April 2026</strong></span>, if the Court approves the transfer=
.<br><br>Please read this email carefully, together with ‘Your quest=
ions answered’ at <a style=3D"color:#23282d; text-decoration:underli=
ne;" target=3D"_blank" href=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh6=
2878574,65ac074,2123ef5&p1=3D106610804"><span style=3D"white-space:nowrap;"=
><strong style=3D"">virginmoney.com/nationwide-transfer</strong></span></a>
</p>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:0.75em; color:#000001; line-height:1.5em;">
</p>
</td>
</tr>
</table>
<!-- //C2 -->
<!-- C1 -->
<table width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" role=3D"presentation" bgcolor=3D"#ffffff">
<tr>
<td>
<div class=3D"dsk" style=3D"display:none; max-h=
eight:0; visibility:hidden;">
<img width=3D"660" alt=3D"A Virgin Money co=
lleague sitting on a sofa chatting with a customer. Both are holding coffee=
cups." border=3D"0" style=3D"display:block; width:100%; height:auto;" src=
=3D"https://images.emlcdn.net/cdn/1001923/1deb7200-9c03-403e-9a4f-f80f7fd62=
5d6/IMG9919660x371.jpg">
</div>
<!--[if !mso]><!-->
<div class=3D"mob" style=3D"mso-hide:all;">
<img class=3D"fluid" width=3D"460" alt=3D"A=
Virgin Money colleague sitting on a sofa chatting with a customer. Both ar=
e holding coffee cups." border=3D"0" style=3D"display:block; min-width:100%=
; width:100%; max-width:460px; height:auto;" src=3D"https://images.emlcdn.n=
et/cdn/1001923/1deb7200-9c03-403e-9a4f-f80f7fd625d6/MF2243660x660Cropped.jp=
g">
</div>
<!--<![endif]-->
</td>
</tr>
</table>
<!-- //C1 -->
<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" role=3D"presentation" bgcolor=3D"#051441">
<tr>
<td class=3D"ph32" align=3D"left" style=3D"paddin=
g:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; font-family:Ar=
ial,Helvetica,sans-serif; font-size:1.5em; font-weight:500; color:#ffffff; =
line-height:1.2em; text-align:left;">
At a glance
</h2>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:1em; color:#ffffff; line-height:1.5em;">
The High Court is due to sit on <span style=
=3D"white-space:nowrap;"><strong style=3D"">23 February 2026</strong></span=
><strong style=3D""> </strong>to decide if the transfer of Virgin Money's b=
usiness to Nationwide can go ahead.<br><br>If approved, the transfer is exp=
ected to happen on <span style=3D"white-space:nowrap;"><strong style=3D"">2=
April 2026</strong></span><strong style=3D"">. </strong><br><br>The transf=
er won’t change your day-to-day banking and you can continue to mana=
ge your Virgin Money account(s) in the same way as you do today.<br><br>Ple=
ase read the information we have sent you, including how you can object if =
you have any concerns. You can also visit <a style=3D"color:#ffffff; text-d=
ecoration:underline;" target=3D"_blank" href=3D"http://t.emails.virginmoney=
.com/r/=3Fid=3Dh62878574,65ac074,2123ef6&p1=3D106610804"><span style=3D"whi=
te-space:nowrap;"><strong style=3D"">virginmoney.com/nationwide-transfer</s=
trong></span></a>
</p>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:0.75em; color:#ffffff; line-height:1.5em;">
</p>
</td>
</tr>
</table>
<!-- //C2 -->
<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" role=3D"presentation" bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" style=3D"paddin=
g:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; font-family:Ar=
ial,Helvetica,sans-serif; font-size:1.5em; font-weight:500; color:#e10a0a; =
line-height:1.2em; text-align:left;">
Managing your Virgin Money Credit Card(s) a=
fter the transfer
</h2>
<p style=3D"margin:0 0 1em 0; font-family:Arial=
,Helvetica,sans-serif; font-size:1em; color:#000001; line-height:1.5em;">
As a result of the transfer, there won =
19;t be any change to your <span style=3D"white-space:nowrap;">day-to-day</=
span> banking:
</p>
<ul type=3D"disc" style=3D"Margin:0; Margin-l=
eft:16px; padding:0; font-family:Arial,Helvetica,sans-serif; font-size:1em;=
color:#000001; line-height:1.5em;">
<li style=3D"padding:0 0 0.5em 0;">
There are no changes to your 16-digit cre=
dit card number, your PIN or any account features including any promotional=
rate(s) on your account.
</li>
<li style=3D"padding:0 0 0.5em 0;">
You don’t need to make any changes=
to the way you make your payments, including any Direct Debit(s).
</li>
<li style=3D"padding:0 0 0.5em 0;">
Your Virgin Money Credit Card(s) will sti=
ll be branded Virgin Money and our contact details will stay the same.
</li>
<li style=3D"padding:0 0 0.5em 0;">
You can carry on using the same sign-in d=
etails when you log into the Virgin Money Credit Card app.
</li>
<li style=3D"padding:0 0 0.5em 0;">
Our web addresses will also stay the same=
.
</li>
</ul>
<div style=3D"height:8px; line-height:8px; mso-=
line-height-rule:exactly;"> </div>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:1em; color:#000001; line-height:1.5em;">
You know us as Virgin Money – that&#=
x2019;s our trading name. Our legal name is Clydesdale <span style=3D"white=
-space:nowrap;">Bank PLC. </span>When we refer to Nationwide, we mean Natio=
nwide Building Society.<br><br>One change you’ll start to see is the=
Nationwide Building Society name (instead of <span style=3D"white-space:no=
wrap;">Clydesdale Bank PLC)</span> at the bottom of emails and statements.
</p>
<p style=3D"margin:0 0 1em 0; font-family:Arial=
,Helvetica,sans-serif; font-size:0.75em; color:#000001; line-height:1.5em;"=
>
</p>
</td>
</tr>
</table>
<!-- //C2 -->
<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" role=3D"presentation" bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" style=3D"paddin=
g:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; font-family:Ar=
ial,Helvetica,sans-serif; font-size:1.5em; font-weight:500; color:#e10a0a; =
line-height:1.2em; text-align:left;">
Changes to your Virgin Money Credit Card(s)=
Terms
</h2>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:1em; color:#000001; line-height:1.5em;">
Your Virgin Money Credit Card(s) will move =
to be part of Nationwide and, following the transfer, your Terms will be up=
dated to reflect Nationwide being your account provider. There won’t=
be any other changes to your Terms as part of <span style=3D"white-space:n=
owrap;">this transfer.</span><br><br>The transfer won’t change the w=
ay you use your account(s), but as we bring the two businesses together aft=
er the transfer, we may make some changes. If a change impacts you, we =
19;ll give you plenty of notice and explain what it means <span style=3D"wh=
ite-space:nowrap;">to you.</span>
</p>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:0.75em; color:#000001; line-height:1.5em;">
</p>
</td>
</tr>
</table>
<!-- //C2 -->
<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" role=3D"presentation" bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" style=3D"paddin=
g:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; font-family:Ar=
ial,Helvetica,sans-serif; font-size:1.5em; font-weight:500; color:#e10a0a; =
line-height:1.2em; text-align:left;">
The data controller will change after the t=
ransfer
</h2>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:1em; color:#000001; line-height:1.5em;">
Nationwide will become the data controller =
of any personal data which Virgin Money uses or holds. For more information=
about your personal data, including what happens with your marketing permi=
ssions, please see Q29 and Q30 in the ‘General’ section of &#=
x2018;Your questions answered’ at <a style=3D"color:#23282d; text-de=
coration:underline;" target=3D"_blank" href=3D"http://t.emails.virginmoney.=
com/r/=3Fid=3Dh62878574,65ac074,2123ef7&p1=3D106610804"><span style=3D"whit=
e-space:nowrap;"><strong style=3D"">virginmoney.com/nationwide-transfer</st=
rong></span></a>
</p>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:0.75em; color:#000001; line-height:1.5em;">
</p>
</td>
</tr>
</table>
<!-- //C2 -->
<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" role=3D"presentation" bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" style=3D"paddin=
g:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; font-family:Ar=
ial,Helvetica,sans-serif; font-size:1.5em; font-weight:500; color:#e10a0a; =
line-height:1.2em; text-align:left;">
Becoming a member of Nationwide
</h2>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:1em; color:#000001; line-height:1.5em;">
Nationwide is a building society, which mea=
ns it’s a mutual – owned by its members and run for their ben=
efit. A member is a Nationwide customer with a mortgage, current account, o=
r savings account. <br><br>Becoming a member depends on the kind of Virgin =
Money account(s) you have when the transfer happens, together with your per=
sonal circumstances and status. Only having a credit card with us does not =
make you a member.<br><br>Members get certain benefits and are also part of=
Nationwide’s charitable assignment scheme. You can find out more in=
Q25 in the ‘General’ section of ’Your questions answe=
red’ at <a style=3D"color:#23282d; text-decoration:underline;" targe=
t=3D"_blank" href=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh62878574,65=
ac074,2123ef8&p1=3D106610804"><span style=3D"white-space:nowrap;"><strong s=
tyle=3D"">virginmoney.com/nationwide-transfer</strong></span></a>
</p>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:0.75em; color:#000001; line-height:1.5em;">
</p>
</td>
</tr>
</table>
<!-- //C2 -->
<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" role=3D"presentation" bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" style=3D"paddin=
g:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; font-family:Ar=
ial,Helvetica,sans-serif; font-size:1.5em; font-weight:500; color:#e10a0a; =
line-height:1.2em; text-align:left;">
Next steps
</h2>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:1em; color:#000001; line-height:1.5em;">
A Court hearing needs to take place to deci=
de whether to approve the transfer. This Court hearing is due to take place=
in the High Court in London on <span style=3D"white-space:nowrap;"><strong=
style=3D"">23 February 2026</strong>,</span> though<strong style=3D""> </s=
trong>this date may change. If it does, we’ll update our website at =
<a style=3D"color:#23282d; text-decoration:underline;" target=3D"_blank" hr=
ef=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh62878574,65ac074,2123ef9&p=
1=3D106610804"><span style=3D"white-space:nowrap;"><strong style=3D"">virgi=
nmoney.com/nationwide-transfer</strong></span></a><br><br>If the Court appr=
oves the transfer, your Virgin Money Credit Card(s) will transfer to Nation=
wide by a Court Order under Part VII of the Financial Services and Markets =
Act 2000 on <span style=3D"white-space:nowrap;"><strong style=3D"">2 April =
2026</strong></span>. This date may change too. If it does, we’ll up=
date our website.<br><br>The transfer will happen automatically. We’=
ve worked closely with our regulators to make sure the transfer is made car=
efully and smoothly.
</p>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:0.75em; color:#000001; line-height:1.5em;">
</p>
</td>
</tr>
</table>
<!-- //C2 -->
<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" role=3D"presentation" bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" style=3D"paddin=
g:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; font-family:Ar=
ial,Helvetica,sans-serif; font-size:1.5em; font-weight:500; color:#e10a0a; =
line-height:1.2em; text-align:left;">
Objecting to the transfer
</h2>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:1em; color:#000001; line-height:1.5em;">
If you’d like to object directly to =
us, please get in touch by <span style=3D"white-space:nowrap;"><strong styl=
e=3D"">9 February 2026</strong>,</span> and we’ll send a copy of you=
r objection to the Court before the hearing on <span style=3D"white-space:n=
owrap;"><strong style=3D"">23 February 2026</strong>.</span><br><br>You can=
call our dedicated team on <span style=3D"white-space:nowrap;"><strong sty=
le=3D"">0800 066 5008*</strong></span><strong style=3D""> </strong>(or <spa=
n style=3D"white-space:nowrap;"><strong style=3D"">00 44 141 880 2050**</st=
rong></span><strong style=3D""> </strong>if you’re calling from outs=
ide the UK). We’re here from 8am to 6pm, Monday to Friday and 9am to=
3pm on Saturdays. <br><br>You can also speak to us in branch. To find your=
nearest one, head to <a style=3D"color:#23282d; text-decoration:underline;=
" target=3D"_blank" href=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh6287=
8574,65ac074,2123efd&p1=3D106610804"><span style=3D"white-space:nowrap;"><s=
trong style=3D"">virginmoney.com/branch-finder<br></strong></span></a><br>I=
f you prefer, you can also email us at <a style=3D"color:#23282d; text-deco=
ration:underline;" target=3D"_blank" href=3D"mailto:nationwide-transfer@vir=
ginmoney.com=3Futm_campaign=3DVM44036v1_Part_VII_Product_Only_Master_-_Card=
s&utm_content=3D106610804&utm_medium=3Demail&utm_source=3Dcustomer_marketin=
g"><span style=3D"white-space:nowrap;"><strong style=3D"">nationwide-transf=
er@virginmoney.com</strong></span></a> or write to us at:<br><br><strong st=
yle=3D"">Nationwide Transfer</strong><br><strong style=3D"">The team at Vir=
gin Money</strong><br><strong style=3D"">Sunderland</strong><br><strong sty=
le=3D"">SR43 4JB</strong><br><br>We will reply to all objections we receive=
and submit copies of these objections to the Court, as well as to the Prud=
ential Regulation Authority and the Financial Conduct Authority.<br><br>If =
you want to object directly to the Court, you’ll need to do this in =
person by going to the hearing or sending a legal representative to speak f=
or you. This is because the Court does not accept objections <span style=3D=
"white-space:nowrap;">in writing. </span><br><br>You won’t be able t=
o object after the Court hearing on <span style=3D"white-space:nowrap;"><st=
rong style=3D"">23 February 2026</strong>.</span><br><br>For more details o=
n how you can object, take a look at Q7 in the ‘General’ sect=
ion of ‘Your questions answered’ at <a style=3D"color:#23282d=
; text-decoration:underline;" target=3D"_blank" href=3D"http://t.emails.vir=
ginmoney.com/r/=3Fid=3Dh62878574,65ac074,2123efa&p1=3D106610804"><span styl=
e=3D"white-space:nowrap;"><strong style=3D"">virginmoney.com/nationwide-tra=
nsfer</strong></span></a>
</p>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:0.75em; color:#000001; line-height:1.5em;">
</p>
</td>
</tr>
</table>
<!-- //C2 -->
<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" role=3D"presentation" bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" style=3D"paddin=
g:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; font-family:Ar=
ial,Helvetica,sans-serif; font-size:1.5em; font-weight:500; color:#e10a0a; =
line-height:1.2em; text-align:left;">
Staying safe and avoiding fraud
</h2>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:1em; color:#000001; line-height:1.5em;">
Fraudsters often take advantage of times of=
change to try and persuade people to transfer money or share personal or f=
inancial information. Your 16-digit credit card number and PIN aren’=
t changing. Virgin Money or Nationwide will never ask you to move your mone=
y to another account or to change any Direct Debits or standing orders. <br=
><br>Please be extra vigilant if you’re contacted by phone, email or=
text from someone claiming to be from Virgin Money or Nationwide, asking y=
ou to take action. If you’re suspicious, stop all contact and call u=
s using the number on the back of your card or visit <a style=3D"color:#232=
82d; text-decoration:underline;" target=3D"_blank" href=3D"http://t.emails.=
virginmoney.com/r/=3Fid=3Dh62878574,65ac074,2123efb&p1=3D106610804"><span s=
tyle=3D"white-space:nowrap;"><strong style=3D"">virginmoney.com/report-frau=
d</strong></span></a>
</p>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:0.75em; color:#000001; line-height:1.5em;">
</p>
</td>
</tr>
</table>
<!-- //C2 -->
<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" role=3D"presentation" bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" style=3D"paddin=
g:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; font-family:Ar=
ial,Helvetica,sans-serif; font-size:1.5em; font-weight:500; color:#e10a0a; =
line-height:1.2em; text-align:left;">
Help is at hand
</h2>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:1em; color:#000001; line-height:1.5em;">
If you have any questions about the transfe=
r, you can call our dedicated team on <span style=3D"white-space:nowrap;"><=
strong style=3D"">0800 066 5008*</strong></span><strong style=3D""> </stron=
g>(or <span style=3D"white-space:nowrap;"><strong style=3D"">00 44 141 880 =
2050**</strong></span><strong style=3D""> </strong>if you’re calling=
from outside the UK). We’re here from 8am to 6pm, Monday to Friday =
and 9am to 3pm <span style=3D"white-space:nowrap;">on Saturdays.</span> <br=
><br>If you prefer, you can also email us at <a style=3D"color:#23282d; tex=
t-decoration:underline;" target=3D"_blank" href=3D"mailto:nationwide-transf=
er@virginmoney.com=3Futm_campaign=3DVM44036v1_Part_VII_Product_Only_Master_=
-_Cards&utm_content=3D106610804&utm_medium=3Demail&utm_source=3Dcustomer_ma=
rketing"><span style=3D"white-space:nowrap;"><strong style=3D"">nationwide-=
transfer@virginmoney.com</strong></span></a><br><br>You can also find impor=
tant information, including a summary of the terms of the transfer and a co=
py of the formal notice of the transfer, at <a style=3D"color:#23282d; text=
-decoration:underline;" target=3D"_blank" href=3D"http://t.emails.virginmon=
ey.com/r/=3Fid=3Dh62878574,65ac074,2123efc&p1=3D106610804"><span style=3D"w=
hite-space:nowrap;"><strong style=3D"">virginmoney.com/nationwide-transfer<=
/strong></span></a> <br><br>You can also speak to us in branch. To find you=
r nearest one, head to <a style=3D"color:#23282d; text-decoration:underline=
;" target=3D"_blank" href=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh628=
78574,65ac074,2123efe&p1=3D106610804"><span style=3D"white-space:nowrap;"><=
strong style=3D"">virginmoney.com/branch-finder</strong></span></a><br><br>=
<br><strong style=3D"">Chris Rhodes <br>Chief Executive Officer, Virgin Mon=
ey</strong>
</p>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:0.75em; color:#000001; line-height:1.5em;">
</p>
</td>
</tr>
</table>
<!-- //C2 -->
<!-- SOCIAL -->
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"=
0" border=3D"0" role=3D"presentation" bgcolor=3D"#e10a0a">
<tr>
<td class=3D"ph24" align=3D"left" style=3D"padding:=
8px 16px 24px 16px; font-size:0; text-align:center;">
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<table width=3D"612" align=3D"center" cellpadding=
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612px;">
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th:420px;">
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block; width:100%; max-width:420px; vertical-align:top;">
<table width=3D"100%" align=3D"left" cell=
padding=3D"0" cellspacing=3D"0" border=3D"0" role=3D"presentation" style=3D=
"max-width:420px;">
<tr>
<td align=3D"left" style=3D"padding:1=
6px 8px 0 8px;">
<img src=3D"https://res.emails.virg=
inmoney.com/res/virginm_mkt_prod3/social_slogan_white_v2.png" width=3D"300"=
height=3D"48" alt=3D"We're a sociable bunch, follow us" border=3D"0" style=
=3D"display:block;">
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th:192px;">
<![endif]-->
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block; width:100%; max-width:192px; vertical-align:top;">
<table width=3D"192" align=3D"left" cellp=
adding=3D"0" cellspacing=3D"0" border=3D"0" role=3D"presentation">
<tr>
<td style=3D"padding:16px 8px 0 8px;"=
>
<a _category=3D"social" _label=3D"I=
nstagram" href=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh62878574,65ac0=
74,2123eff" target=3D"_blank"><img src=3D"https://res.emails.virginmoney.co=
m/res/virginm_mkt_prod3/instagram_white.png" width=3D"48" height=3D"48" alt=
=3D"Instagram" border=3D"0" style=3D"display:block;">
</a>
</td>
<td style=3D"padding:16px 8px 0 8px;"=
>
<a _category=3D"social" _label=3D"T=
ikTok" href=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh62878574,65ac074,=
2123f00" target=3D"_blank"><img src=3D"https://res.emails.virginmoney.com/r=
es/virginm_mkt_prod3/Tiktok_logo_red.png" width=3D"48" height=3D"48" alt=3D=
"YouTube" border=3D"0" style=3D"display:block;">
</a>
</td>
<td style=3D"padding:16px 8px 0 8px;"=
>
<a _category=3D"social" _label=3D"F=
acebook" href=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh62878574,65ac07=
4,2123f01" target=3D"_blank"><img src=3D"https://res.emails.virginmoney.com=
/res/virginm_mkt_prod3/facebook_white.png" width=3D"48" height=3D"48" alt=
=3D"Facebook" border=3D"0" style=3D"display:block;">
</a>
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</div>
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</table>
<![endif]-->
</td>
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<img width=3D"660" alt=3D"" border=3D"0" style=3D=
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oney.com/res/virginm_mkt_prod3/pattern_footer_red_light.png">
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0 24px 16px 24px;">
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<td width=3D"18" valign=3D"middle" style=3D=
"vertical-align:middle; padding:0 8px 0 0;">
<img src=3D"https://res.emails.virginmone=
y.com/res/virginm_mkt_prod3/security_white.png" width=3D"18" height=3D"24" =
alt=3D"" border=3D"0" style=3D"display:block;">
</td>
<td class=3D"sans" valign=3D"middle" style=
=3D"vertical-align:middle; text-align:left;">
<p style=3D"margin:0; font-family:Arial,H=
elvetica,sans-serif; font-size:1em; color:#ffffff; line-height:1.5em;">
Stay safe online
</p>
</td>
</tr>
</table>
<table width=3D"100%" cellpadding=3D"0" cellspa=
cing=3D"0" border=3D"0" role=3D"presentation">
<tr>
<td valign=3D"top" style=3D"padding:8px 0 0=
0; text-align:left;">
<p style=3D"margin:0; font-family:Arial,H=
elvetica,sans-serif; font-size:0.9em; color:#ffffff; line-height:1.5em;">
<a target=3D"_blank" style=3D"color:#ff=
ffff; text-decoration:underline;" href=3D"http://t.emails.virginmoney.com/r=
/=3Fid=3Dh62878574,65ac074,2123f02&p1=3D106610804">How to check if an email=
is genuine</a><br><a target=3D"_blank" style=3D"color:#ffffff; text-decora=
tion:underline;" href=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh6287857=
4,65ac074,2123f03&p1=3D106610804">Visit our Security Centre</a>
</p>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td class=3D"ph32" valign=3D"top" style=3D"padding:=
0 24px 32px 24px; text-align:left;">
<p style=3D"margin:0 0 1em 0; font-family:Arial=
,Helvetica,sans-serif; font-size:0.9em; color:#ffffff; line-height:1.5em;">=
* Calls may be monitored or recorded. Calls to 0800 numbers are free from p=
ersonal mobile phones and residential UK landlines.<br><br>** Additional ca=
ll charges may apply, please check with your phone provider. <br><br>So yo=
u know this email is from us, we've included the last four digits of your c=
redit card number at the top.<br><br>Please read, important information abo=
ut email security:<strong style=3D""> </strong>To ensure that you receive a=
ll emails about your card, add <a style=3D"color:#ffffff; text-decoration:u=
nderline;" target=3D"_blank" href=3D"mailto:email@creditcard.virginmoney.co=
m=3Futm_campaign=3DVM44036v1_Part_VII_Product_Only_Master_-_Cards&utm_conte=
nt=3D106610804&utm_medium=3Demail&utm_source=3Dcustomer_marketing"><strong =
style=3D"">email@creditcard.virginmoney.com</strong></a> to your email addr=
ess book or Safe List. However, since email is not a secure form of communi=
cation, please do not reply to us by email.<br><br>If for any reason you th=
ink this email is not from the team at Virgin Money, please forward it to u=
s at <a style=3D"color:#ffffff; text-decoration:underline;" target=3D"_blan=
k" href=3D"mailto:report.phishing@virginmoney.com=3Futm_campaign=3DVM44036v=
1_Part_VII_Product_Only_Master_-_Cards&utm_content=3D106610804&utm_medium=
=3Demail&utm_source=3Dcustomer_marketing"><strong style=3D"">report.phishin=
g@virginmoney.com</strong></a> (please note no acknowledgement will be sent=
).<br><br>Clydesdale Bank PLC (trading as Virgin Money) is authorised by th=
e Prudential Regulation Authority and regulated by the Financial Conduct Au=
thority and the Prudential Regulation Authority. Financial Services Registe=
r No. 121873. Credit facilities other than regulated mortgages and regulate=
d credit agreements are not regulated by the Financial Conduct Authority. C=
lydesdale Bank PLC is registered in Scotland (No. SC001111). Registered Off=
ice: 177 Bothwell Street, Glasgow G2 7ER.<br><br>This message and any attac=
hments have been scanned for viruses prior to leaving our network. However,=
we cannot guarantee the security of this message and will not be responsib=
le for any damage as a result of any virus being passed on by a third party=
. We may monitor emails sent to and from this email account.</p>
<p style=3D"margin:0; font-family:Arial,Helvetica=
,sans-serif; font-size:0.9em; color:#ffffff; line-height:1.5em;">
VM44913v1
</p>
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