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From: "Virgin Money" <email@creditcard.virginmoney.com>
Subject: You have new balance and money transfer rates available
Date: Tue, 04 Aug 2020 13:07:56 +0100
To: <vince@showfile.com>
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View your latest transfer rates  =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  

  	
	

View your latest transfer rates |  http://t.emails.virginmoney.com/r/=3Fid=3Dt38f41e8,1ebad9d,193eda6&p1=3D%40US154exLQRpWMSiP2kuU9zb64aMA7GTzI12%2FMFeC3n8%3D View in browser 
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=3Dt38f41e8,1ebad9d,193eda7 	
	

You have new balance and money transfer rates 	
	
	

Dear Vincent

As part of our ongoing service to you, we're letting you know you have new balance and money transfer rates available on your Virgin Money Credit Card ending 8283 until 30 September 2020. 	

 http://t.emails.virginmoney.com/r/=3Fid=3Dt38f41e8,1ebad9d,193eda8 Want to find out more=3F 	
	
	
	
	

Nothing is more important to Virgin Money than the wellbeing of our customers and colleagues. Due to the global impact of Coronavirus, our call centres are focused on helping those most impacted. 
If you wish to view your latest rates or make a transfer, please use the Virgin Money Credit Card app or go to  http://t.emails.virginmoney.com/r/=3Fid=3Dt38f41e8,1ebad9d,193eda9 Online Service . 	

	Transfer a new balance from another card 	

Option 1 	
	
0% interest until February 2022 statement
4% handling fee applies 	

Option 2 	
	
0% interest until May 2021 statement
2% handling fee applies 	

	Transfer money into your bank account 	

Option 3 	
	
0% interest until December 2021 statement
4% handling fee applies 	

Option 4 	
	
0% interest until April 2021 statement
2% handling fee applies 	
	
	

On all transfers you make between now and 30 September 2020	

Key things to know 	

=E2=80=A2 	Your options  =E2=80=94 whether you would like a longer duration for a higher fee, a shorter duration for a lower fee, or an interest rate with no fee, consider which option is best value for you before you transfer. 	
=E2=80=A2 	Your rate  =E2=80=94 when your new transfer rate ends, balance and money transfers will be charged at your standard rate of interest. This can be found on your statement. 	
=E2=80=A2 	The terms  =E2=80=94 we will withdraw the new transfer rate if you don=E2=80=99t stick to the terms of your credit agreement (e.g. you miss a payment or go over your credit limit). 	
=E2=80=A2 	Making purchases  =E2=80=94 if you make a card purchase, you=E2=80=99ll be charged interest on it unless you pay off the full balance shown on your statement by the payment date or you have a 0% rate on purchases. Your full balance includes any balance and money transfers. 

For more information, please see your statement and your Terms. 	
	

Remember 	

=E2=80=A2 	Credit limit  =E2=80=94 you can only transfer up to 95% of your credit limit minus your outstanding balance(s) and transfer fee. You can view your credit limit in our Credit Card app or by signing in to  http://t.emails.virginmoney.com/r/=3Fid=3Dt38f41e8,1ebad9d,193edaa Online Service . 	
=E2=80=A2 	It=E2=80=99s best to try and pay off as much as you can afford each month  =E2=80=94 Direct Debit is the simplest way to pay. You can set one up easily, or if you've done that already, you should check your details to make sure it's still in place. You can do this in our Credit Card app or by signing in to  http://t.emails.virginmoney.com/r/=3Fid=3Dt38f41e8,1ebad9d,193edab Online Service . 	
	

To view your latest transfer rates and to make a transfer, you can either go to our Credit Card app or sign in to Online Service. 

You can download our app from the App Store or Google Play (search 'Virgin Money Credit Card') if you haven't already. You'll need your card to register. 

Please note, if you've used a different account to register for our Credit Card app, you'll need to sign in to Online Service. 	

 http://t.emails.virginmoney.com/r/=3Fid=3Dt38f41e8,1ebad9d,193edac Find out more 	
	
	
	
	

Thank you for being a Virgin Money customer. 

The Virgin Money Credit Card Team 	

	

Take control with our Virgin Money Credit Card app. 	
 http://t.emails.virginmoney.com/r/=3Fid=3Dt38f41e8,1ebad9d,193edad 	 http://t.emails.virginmoney.com/r/=3Fid=3Dt38f41e8,1ebad9d,193edae 	
	

	

 http://t.emails.virginmoney.com/r/=3Fid=3Dt38f41e8,1ebad9d,193edaf 	

 http://t.emails.virginmoney.com/r/=3Fid=3Dt38f41e8,1ebad9d,193edb0 Privacy policy    |    http://t.emails.virginmoney.com/r/=3Fid=3Dt38f41e8,1ebad9d,193edb1 Contact Us 	

We are sending you this information as part of our credit agreement with you so you know about the balance transfer, money transfer and retail purchase rates that are available to you. 

If you don't want to receive this kind of message from us in the future, please call us on 0800 011 3210.  You'll still be able to find and use all of these rates in our app and in Online Service. 

Calls to 0800 numbers are free from personal mobile phones and residential UK landlines. Calls will be monitored and recorded. 	

	

Forgotten your Online Service Customer ID, Password or Passcode=3F 
If you have previously registered but have forgotten your Customer ID, password or passcode, please go to  http://t.emails.virginmoney.com/r/=3Fid=3Dt38f41e8,1ebad9d,193edb2 myvirginmoney.com/cards  and click on the red 'Sign in' box, then click on 'I have forgotten my Customer ID' or 'I have forgotten my password or passcode' under 'Forgotten your sign in details'. 

Please read, important information about email security: 
To ensure that you receive all emails about your card, add email@creditcard.virginmoney.com  to your email address book or Safe List. 

We have sent this email to you in order to service your credit card account and it is confidential and for use by the addressee only. 

However, since email is not a secure form of communication, please do not reply to us by email. If you would like to communicate with us online about your account, please sign in to Online Service and use the secure messaging service. 

App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play is a trademark of Google LLC. 

Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 30 St Vincent Place, Glasgow, G1 2HL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 

VM29202v1

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                          <TBODY>
                          <TR>
                            <TD class=3DmobileMargin 
                            style=3D"PADDING-BOTTOM: 50px; PADDING-TOP: 15p=
x; PADDING-LEFT: 30px; PADDING-RIGHT: 30px">
                              <TABLE cellSpacing=3D0 cellPadding=3D0 width=
=3D"100%" 
                              align=3Dcenter border=3D0>
                                <TBODY>
                                <TR>
                                <TD 
                                style=3D"FONT-SIZE: 45px; FONT-FAMILY: 'Nun=
ito', 'Roboto', Arial, sans-serif; FONT-WEIGHT: 400; COLOR: #e10a0a; TEXT-A=
LIGN: center; LETTER-SPACING: -0.03em; LINE-HEIGHT: 40px" 
                                align=3Dcenter>You have new balance and mon=
ey 
                                transfer 
                          rates</TD></TR></TBODY></TABLE></TD></TR></TBODY>=
</TABLE></TD></TR></TBODY></TABLE><!--END - CENTER HEADER--><!--START - PAR=
AGRAPH CENTER-->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto"=
 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#ff=
ffff 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 16px; FONT-FAMILY: 'Tajawal', 'Ro=
boto', Arial, sans-serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: =
#666666; PADDING-BOTTOM: 30px; TEXT-ALIGN: center; PADDING-TOP: 10px; PADDI=
NG-LEFT: 30px; LETTER-SPACING: 0px; LINE-HEIGHT: 21px; PADDING-RIGHT: 30px;=
 BACKGROUND-COLOR: #ffffff" 
                      vAlign=3Dtop>Dear 
                        Vincent<BR><BR>As part of 
                        our ongoing service to you, we're letting you know =
you 
                        have new balance and money transfer rates available=
 on 
                        your Virgin Money Credit Card ending 8283 until 
                        30 September 2020. </TD></TR></TBODY></TABLE><!--EN=
D - PARAGRAPH CENTER--><!-- START - BUTTON CENTER -->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto"=
 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#ff=
ffff 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 16px; FONT-FAMILY: Arial, sans-se=
rif; WIDTH: 600px; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: #666666=
; PADDING-BOTTOM: 30px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-LEFT: 3=
0px; LINE-HEIGHT: 21px; PADDING-RIGHT: 30px; BACKGROUND-COLOR: #ffffff" 
                      vAlign=3Dtop width=3D600>
                        <TABLE class=3DdeviceWidth width=3D540>
                          <TBODY>
                          <TR>
                            <TD 
                            style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
                              <TABLE class=3DdeviceWidth cellSpacing=3D0 
                              cellPadding=3D0 align=3Dcenter border=3D0>
                                <TBODY>
                                <TR>
                                <TD 
                                style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
                                <TABLE class=3Dpc100 cellSpacing=3D0 cellPa=
dding=3D0 
                                width=3D540 align=3Dcenter border=3D0>
                                <TBODY>
                                <TR>
                                <TD class=3Dpc100 
                                style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" 
                                width=3D540 align=3Dcenter>
                                <TABLE class=3DdeviceWidth cellSpacing=3D0 
                                cellPadding=3D0 align=3Dcenter border=3D0>
                                <TBODY>
                                <TR>
                                <TD class=3Dcta 
                                style=3D"BORDER-TOP-STYLE: none; FONT-SIZE:=
 16px; BORDER-LEFT-STYLE: none; FONT-FAMILY: Arial, sans-serif; BORDER-BOTT=
OM-STYLE: none; FONT-WEIGHT: bold; COLOR: #ffffff; PADDING-BOTTOM: 10px; TE=
XT-ALIGN: center; PADDING-TOP: 10px; BORDER-RIGHT-STYLE: none; PADDING-LEFT=
: 30px; DISPLAY: block; LINE-HEIGHT: 20px; PADDING-RIGHT: 30px; BACKGROUND-=
COLOR: #e10a0a; -webkit-border-radius: 20px; -moz-border-radius: 20px; bord=
er-radius: 20px"><a style=3D"TEXT-DECORATION: none; COLOR: #ffffff" href=3D=
"http://t.emails.virginmoney.com/r/=3Fid=3Dh38f41e8,1ebad9d,193ed9b" target=
=3D"_blank">Want to find out more=3F</A> 
                                </TD></TR></TBODY></TABLE></TD></TR></TBODY=
></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TB=
ODY></TABLE><!-- END - BUTTON CENTER -->
                                
                                
 <!--START - PARAGRAPH CENTER-->
  <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"600" cla=
ss=3D"deviceWidth" bgcolor=3D"#FFFFFF" style=3D"width:600px; margin:0 auto;=
 min-width:100%;">
    <tr>
      <td valign=3D"top" style=3D"vertical-align:top; background-color:#FFF=
FFF; font-size: 16px; line-height: 21px; color: #666666; font-weight: norma=
l; text-align: center; font-family: 'Tajawal', 'Roboto', Arial, sans-serif;=
 vertical-align: top; padding:10px 30px 30px 30px; letter-spacing:-0.3px;" =
class=3D"mobileMargin">
          Nothing is more important to Virgin Money than the wellbeing of o=
ur customers and colleagues. Due to the global impact of Coronavirus, our c=
all centres are focused on helping those most impacted.<br></br><b>If you w=
ish to view your latest rates or make a transfer, please use the Virgin Mon=
ey Credit Card app or go to <a href=3D"http://t.emails.virginmoney.com/r/=
=3Fid=3Dh38f41e8,1ebad9d,193ed9c" style=3D"color:#666666; font-weight:bold;=
 text-decoration:underline;">Online Service</a>.</b>
      </td>
    </tr>
  </table>
<!--END - PARAGRAPH CENTER-->                                 
                                
                                
                                
                                <!-- START - BTMT BLOCK -->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto;=
 BACKGROUND-COLOR: #ffffff" 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#ff=
ffff 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD>
                        <TABLE class=3DdeviceWidth style=3D"MARGIN: 0px aut=
o" 
                        cellSpacing=3D0 cellPadding=3D0 width=3D560 align=
=3Dcenter 
                        border=3D0>
                          <TBODY>
                          <TR>
                            <TD 
                            style=3D"VERTICAL-ALIGN: top; PADDING-BOTTOM: 3=
0px; PADDING-TOP: 0px; PADDING-LEFT: 20px; PADDING-RIGHT: 20px">
                              <TABLE class=3D"deviceWidth mobileTableBorder=
" 
                              style=3D"BORDER-RIGHT: #b9abb3 1px solid" 
                              cellSpacing=3D0 cellPadding=3D0 width=3D"49%"=
 align=3Dleft 
                              border=3D0>
                                <TBODY>
                                <TR>
                                <TD 
                                style=3D"PADDING-BOTTOM: 16px; PADDING-TOP:=
 10px; PADDING-LEFT: 0px; PADDING-RIGHT: 10px" 
                                width=3D60 align=3Dleft><IMG alt=3D"Balance=
 transfer" 
                                src=3D"http://res.emails.virginmoney.com/re=
s/img/EB1D088D7D470C804C552DCF6ECAB2F3.png" 
                                width=3D60 height=3D60></TD>
                                <TD 
                                style=3D"FONT-SIZE: 21px; FONT-FAMILY: 'Nun=
ito', 'Roboto', Arial, sans-serif; COLOR: #e10a0a; PADDING-BOTTOM: 16px; PA=
DDING-TOP: 10px; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; LINE-=
HEIGHT: 24px; PADDING-RIGHT: 10px" 
                                vAlign=3Dtop align=3Dleft>Transfer a new ba=
lance 
                                from another card</TD></TR>
                                <TR>
                                <TD 
                                style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" 
                                colSpan=3D2 align=3Dleft>
                                <TABLE cellSpacing=3D0 cellPadding=3D0 alig=
n=3Dleft 
                                border=3D0>
                                <TBODY>
                                <TR>
                                <TD 
                                style=3D"FONT-SIZE: 14px; TEXT-DECORATION: =
none; FONT-FAMILY: 'Roboto', Arial, sans-serif; COLOR: #ffffff; PADDING-BOT=
TOM: 2px; TEXT-ALIGN: center; PADDING-TOP: 2px; PADDING-LEFT: 12px; LINE-HE=
IGHT: 19px; PADDING-RIGHT: 12px; BACKGROUND-COLOR: #7a3671; -webkit-border-=
radius: 0px; -moz-border-radius: 0px; border-radius: 0px" 
                                align=3Dleft>Option 
                                1</TD></TR></TBODY></TABLE></TD></TR>
                                <TR>
                                <TD 
                                style=3D"FONT-SIZE: 16px; FONT-FAMILY: 'Taj=
awal', 'Roboto', Arial, sans-serif; VERTICAL-ALIGN: top; COLOR: #666666; PA=
DDING-BOTTOM: 24px; TEXT-ALIGN: left; PADDING-TOP: 10px; PADDING-LEFT: 0px;=
 LINE-HEIGHT: 21px; PADDING-RIGHT: 24px" 
                                colSpan=3D2 align=3Dleft><STRONG>0% interes=
t until February 2022 statement</STRONG> 
                                <BR>4% handling fee 
                                applies </TD></TR>
                                <TR>
                                <TD 
                                style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" 
                                colSpan=3D2 align=3Dleft>
                                <TABLE cellSpacing=3D0 cellPadding=3D0 alig=
n=3Dleft 
                                border=3D0>
                                <TBODY>
                                <TR>
                                <TD 
                                style=3D"FONT-SIZE: 14px; TEXT-DECORATION: =
none; FONT-FAMILY: 'Roboto', Arial, sans-serif; COLOR: #ffffff; PADDING-BOT=
TOM: 2px; TEXT-ALIGN: center; PADDING-TOP: 2px; PADDING-LEFT: 12px; LINE-HE=
IGHT: 19px; PADDING-RIGHT: 12px; BACKGROUND-COLOR: #7a3671; -webkit-border-=
radius: 0px; -moz-border-radius: 0px; border-radius: 0px" 
                                align=3Dleft>Option 
                                2</TD></TR></TBODY></TABLE></TD></TR>
                                <TR>
                                <TD 
                                style=3D"FONT-SIZE: 16px; FONT-FAMILY: 'Taj=
awal', 'Roboto', Arial, sans-serif; VERTICAL-ALIGN: top; COLOR: #666666; PA=
DDING-BOTTOM: 24px; TEXT-ALIGN: left; PADDING-TOP: 10px; PADDING-LEFT: 0px;=
 LINE-HEIGHT: 21px; PADDING-RIGHT: 24px" 
                                colSpan=3D2 align=3Dleft><STRONG>0% interes=
t until May 2021 statement</STRONG> 
                                <BR>2% handling fee 
                                applies </TD></TR></TBODY></TABLE>
                              <TABLE class=3DdeviceWidth cellSpacing=3D0 
                              cellPadding=3D0 width=3D"49%" align=3Dright b=
order=3D0>
                                <TBODY>
                                <TR>
                                <TD 
                                style=3D"PADDING-BOTTOM: 16px; PADDING-TOP:=
 10px; PADDING-LEFT: 0px; PADDING-RIGHT: 10px" 
                                width=3D60 align=3Dleft><IMG alt=3D"Money t=
ransfer" 
                                src=3D"http://res.emails.virginmoney.com/re=
s/img/B7D4C6E50E56F54231F7CAA0651C1B86.png" 
                                width=3D60 height=3D60></TD>
                                <TD 
                                style=3D"FONT-SIZE: 21px; FONT-FAMILY: 'Nun=
ito', 'Roboto', Arial, sans-serif; COLOR: #e10a0a; PADDING-BOTTOM: 16px; PA=
DDING-TOP: 10px; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; LINE-=
HEIGHT: 24px; PADDING-RIGHT: 10px" 
                                vAlign=3Dtop align=3Dleft>Transfer money in=
to your 
                                bank account</TD></TR>
                                <TR>
                                <TD 
                                style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" 
                                colSpan=3D2 align=3Dleft>
                                <TABLE cellSpacing=3D0 cellPadding=3D0 alig=
n=3Dleft 
                                border=3D0>
                                <TBODY>
                                <TR>
                                <TD 
                                style=3D"FONT-SIZE: 14px; TEXT-DECORATION: =
none; FONT-FAMILY: 'Roboto', Arial, sans-serif; COLOR: #ffffff; PADDING-BOT=
TOM: 2px; TEXT-ALIGN: center; PADDING-TOP: 2px; PADDING-LEFT: 12px; LINE-HE=
IGHT: 19px; PADDING-RIGHT: 12px; BACKGROUND-COLOR: #7a3671; -webkit-border-=
radius: 0px; -moz-border-radius: 0px; border-radius: 0px" 
                                align=3Dleft>Option 
                                3</TD></TR></TBODY></TABLE></TD></TR>
                                <TR>
                                <TD 
                                style=3D"FONT-SIZE: 16px; FONT-FAMILY: 'Taj=
awal', 'Roboto', Arial, sans-serif; VERTICAL-ALIGN: top; COLOR: #666666; PA=
DDING-BOTTOM: 24px; TEXT-ALIGN: left; PADDING-TOP: 10px; PADDING-LEFT: 0px;=
 LINE-HEIGHT: 21px; PADDING-RIGHT: 24px" 
                                colSpan=3D2 align=3Dleft><STRONG>0% interes=
t until December 2021 statement</STRONG> 
                                <BR>4% handling fee 
                                applies </TD></TR>
                                <TR>
                                <TD 
                                style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" 
                                colSpan=3D2 align=3Dleft>
                                <TABLE cellSpacing=3D0 cellPadding=3D0 alig=
n=3Dleft 
                                border=3D0>
                                <TBODY>
                                <TR>
                                <TD 
                                style=3D"FONT-SIZE: 14px; TEXT-DECORATION: =
none; FONT-FAMILY: 'Roboto', Arial, sans-serif; COLOR: #ffffff; PADDING-BOT=
TOM: 2px; TEXT-ALIGN: center; PADDING-TOP: 2px; PADDING-LEFT: 12px; LINE-HE=
IGHT: 19px; PADDING-RIGHT: 12px; BACKGROUND-COLOR: #7a3671; -webkit-border-=
radius: 0px; -moz-border-radius: 0px; border-radius: 0px" 
                                align=3Dleft>Option 
                                4</TD></TR></TBODY></TABLE></TD></TR>
                                <TR>
                                <TD 
                                style=3D"FONT-SIZE: 16px; FONT-FAMILY: 'Taj=
awal', 'Roboto', Arial, sans-serif; VERTICAL-ALIGN: top; COLOR: #666666; PA=
DDING-BOTTOM: 24px; TEXT-ALIGN: left; PADDING-TOP: 10px; PADDING-LEFT: 0px;=
 LINE-HEIGHT: 21px; PADDING-RIGHT: 24px" 
                                colSpan=3D2 align=3Dleft><STRONG>0% interes=
t until April 2021 statement</STRONG> 
                                <BR>2% handling fee 
                                applies 
                        </TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE=
></TD></TR></TBODY></TABLE><!-- END BTMT BLOCK --><!--START - SECONDARY HEA=
DER CENTER-->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MARGIN: 0px auto" cellSpacing=3D0 
                  cellPadding=3D0 width=3D600 bgColor=3D#7a3671 border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 18px; FONT-FAMILY: 'Nunito', 'Rob=
oto', Arial, sans-serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: #=
ffffff; PADDING-BOTTOM: 30px; TEXT-ALIGN: center; PADDING-TOP: 30px; PADDIN=
G-LEFT: 30px; LETTER-SPACING: 0px; LINE-HEIGHT: 30px; PADDING-RIGHT: 30px; =
BACKGROUND-COLOR: #7a3671" 
                      vAlign=3Dtop>On all transfers you make between now an=
d 
                        30 September 2020 </TD></TR></TBODY></TABLE><!--END=
 - SECONDARY HEADER CENTER--><!--START - SECONDARY HEADER LEFT-->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto"=
 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#ff=
ffff 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 24px; FONT-FAMILY: 'Nunito', 'Rob=
oto', Arial, sans-serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: #=
e10a0a; PADDING-BOTTOM: 15px; TEXT-ALIGN: left; PADDING-TOP: 30px; PADDING-=
LEFT: 30px; LETTER-SPACING: 0px; LINE-HEIGHT: 30px; PADDING-RIGHT: 30px; BA=
CKGROUND-COLOR: #ffffff" 
                      vAlign=3Dtop>Key things to know </TD></TR></TBODY></T=
ABLE><!--END - SECONDARY HEADER LEFT--><!--START - BULLET LIST SINGLE COLUM=
N-->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto"=
 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#ff=
ffff 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 16px; FONT-FAMILY: 'Tajawal', 'Ro=
boto', Arial, sans-serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: =
#666666; PADDING-BOTTOM: 30px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-=
LEFT: 30px; LINE-HEIGHT: 21px; PADDING-RIGHT: 30px; BACKGROUND-COLOR: #ffff=
ff" 
                      vAlign=3Dtop>
                        <TABLE class=3DdeviceWidth 
                        style=3D"FONT-SIZE: 16px; FONT-FAMILY: 'Tajawal', '=
Roboto', Arial, sans-serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR=
: #666666; PADDING-BOTTOM: 15px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDIN=
G-LEFT: 0px; LETTER-SPACING: 0px; LINE-HEIGHT: 21px; PADDING-RIGHT: 0px" 
                        cellSpacing=3D0 cellPadding=3D0 border=3D0>
                          <TBODY>
                          <TR>
                            <TD 
                            style=3D"FONT-SIZE: 21px; VERTICAL-ALIGN: top; =
COLOR: #e10a0a; PADDING-BOTTOM: 9px; TEXT-ALIGN: center; PADDING-TOP: 6px; =
PADDING-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 10px" 
                            vAlign=3Dtop width=3D"2%">=E2=80=A2</TD>
                            <TD 
                            style=3D"FONT-SIZE: 16px; PADDING-BOTTOM: 9px; =
TEXT-ALIGN: left; PADDING-TOP: 6px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" 
                            width=3D"97%"><STRONG>Your options</STRONG> =E2=
=80=94 
                              whether you would like a longer duration for =
a 
                              higher fee, a shorter duration for a lower fe=
e, or 
                              an interest rate with no fee, consider which 
                              option is best value for you before you 
                            transfer.</TD></TR>
                          <TR>
                            <TD 
                            style=3D"FONT-SIZE: 21px; VERTICAL-ALIGN: top; =
COLOR: #e10a0a; PADDING-BOTTOM: 9px; TEXT-ALIGN: center; PADDING-TOP: 6px; =
PADDING-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 10px" 
                            vAlign=3Dtop width=3D"2%">=E2=80=A2</TD>
                            <TD 
                            style=3D"FONT-SIZE: 16px; PADDING-BOTTOM: 9px; =
TEXT-ALIGN: left; PADDING-TOP: 6px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" 
                            width=3D"97%"><STRONG>Your rate</STRONG> =E2=80=
=94 when your 
                              new transfer rate ends, balance and money 
                              transfers will be charged at your standard ra=
te of 
                              interest. This can be found on your 
                          statement.</TD></TR>
                          <TR>
                            <TD 
                            style=3D"FONT-SIZE: 21px; VERTICAL-ALIGN: top; =
COLOR: #e10a0a; PADDING-BOTTOM: 9px; TEXT-ALIGN: center; PADDING-TOP: 6px; =
PADDING-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 10px" 
                            vAlign=3Dtop width=3D"2%">=E2=80=A2</TD>
                            <TD 
                            style=3D"FONT-SIZE: 16px; PADDING-BOTTOM: 9px; =
TEXT-ALIGN: left; PADDING-TOP: 6px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" 
                            width=3D"97%"><STRONG>The terms</STRONG> =E2=80=
=94 we will 
                              withdraw the new transfer rate if you don=E2=
=80=99t stick 
                              to the terms of your credit agreement (e.g. y=
ou 
                              miss a payment or go over your credit 
limit).</TD></TR>
                          <TR>
                            <TD 
                            style=3D"FONT-SIZE: 21px; VERTICAL-ALIGN: top; =
COLOR: #e10a0a; PADDING-BOTTOM: 9px; TEXT-ALIGN: center; PADDING-TOP: 6px; =
PADDING-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 10px" 
                            vAlign=3Dtop width=3D"2%">=E2=80=A2</TD>
                            <TD 
                            style=3D"FONT-SIZE: 16px; PADDING-BOTTOM: 9px; =
TEXT-ALIGN: left; PADDING-TOP: 6px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" 
                            width=3D"97%"><STRONG>Making purchases</STRONG>=
 =E2=80=94 if 
                              you make a card purchase, you=E2=80=99ll be c=
harged 
                              interest on it unless you pay off the full ba=
lance 
                              shown on your statement by the payment date o=
r you 
                              have a 0% rate on purchases. Your full balanc=
e 
                              includes any balance and money transfers. 
                              <BR><BR>For more information, please see your=
 
                              statement and your 
                    Terms.</TD></TR></TBODY></TABLE></TD></TR></TBODY></TAB=
LE><!--END - BULLET LIST SINGLE COLUMN--><!--START - SECONDARY HEADER LEFT-=
->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto"=
 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#ff=
ffff 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 24px; FONT-FAMILY: 'Nunito', 'Rob=
oto', Arial, sans-serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: #=
e10a0a; PADDING-BOTTOM: 15px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-L=
EFT: 30px; LETTER-SPACING: 0px; LINE-HEIGHT: 30px; PADDING-RIGHT: 30px; BAC=
KGROUND-COLOR: #ffffff" 
                      vAlign=3Dtop>Remember </TD></TR></TBODY></TABLE><!--E=
ND - SECONDARY HEADER LEFT--><!--START - BULLET LIST SINGLE COLUMN-->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto"=
 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#ff=
ffff 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 16px; FONT-FAMILY: 'Tajawal', 'Ro=
boto', Arial, sans-serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: =
#666666; PADDING-BOTTOM: 30px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-=
LEFT: 30px; LINE-HEIGHT: 21px; PADDING-RIGHT: 30px; BACKGROUND-COLOR: #ffff=
ff" 
                      vAlign=3Dtop>
                        <TABLE class=3DdeviceWidth 
                        style=3D"FONT-SIZE: 16px; FONT-FAMILY: 'Tajawal', '=
Roboto', Arial, sans-serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR=
: #666666; PADDING-BOTTOM: 15px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDIN=
G-LEFT: 0px; LETTER-SPACING: 0px; LINE-HEIGHT: 21px; PADDING-RIGHT: 0px" 
                        cellSpacing=3D0 cellPadding=3D0 border=3D0>
                          <TBODY>
                          <TR>
                            <TD 
                            style=3D"FONT-SIZE: 21px; VERTICAL-ALIGN: top; =
COLOR: #e10a0a; PADDING-BOTTOM: 9px; TEXT-ALIGN: center; PADDING-TOP: 6px; =
PADDING-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 10px" 
                            vAlign=3Dtop width=3D"2%">=E2=80=A2</TD>
                            <TD 
                            style=3D"FONT-SIZE: 16px; PADDING-BOTTOM: 9px; =
TEXT-ALIGN: left; PADDING-TOP: 6px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" 
                            width=3D"97%"><STRONG>Credit limit</STRONG> =E2=
=80=94 you 
                              can only transfer up to 95% of your credit li=
mit 
                              minus your outstanding balance(s) and transfe=
r 
                              fee. You can view your credit limit in our Cr=
edit 
                              Card app or by signing in to <a style=3D"TEXT=
-DECORATION: underline; FONT-WEIGHT: bold; COLOR: #7a3671" href=3D"http://t=
.emails.virginmoney.com/r/=3Fid=3Dh38f41e8,1ebad9d,193ed9d">Online 
                              Service</A>.</TD></TR>
                          <TR>
                            <TD 
                            style=3D"FONT-SIZE: 21px; VERTICAL-ALIGN: top; =
COLOR: #e10a0a; PADDING-BOTTOM: 9px; TEXT-ALIGN: center; PADDING-TOP: 6px; =
PADDING-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 10px" 
                            vAlign=3Dtop width=3D"2%">=E2=80=A2</TD>
                            <TD 
                            style=3D"FONT-SIZE: 16px; PADDING-BOTTOM: 9px; =
TEXT-ALIGN: left; PADDING-TOP: 6px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" 
                            width=3D"97%"><STRONG>It=E2=80=99s best to try =
and pay off 
                              as much as you can afford each month</STRONG>=
 =E2=80=94 
                              Direct Debit is the simplest way to pay. You =
can 
                              set one up easily, or if you've done that alr=
eady, 
                              you should check your details to make sure it=
's 
                              still in place. You can do this in our Credit=
 Card 
                              app or by signing in to <a style=3D"TEXT-DECO=
RATION: underline; FONT-WEIGHT: bold; COLOR: #7a3671" href=3D"http://t.emai=
ls.virginmoney.com/r/=3Fid=3Dh38f41e8,1ebad9d,193ed9e">Online 
                              Service</A>.</TD></TR></TBODY></TABLE></TD></=
TR></TBODY></TABLE><!--END - BULLET LIST SINGLE COLUMN--><!--START - PARAGR=
APH CENTER-->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto"=
 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#dd=
e7ea 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 16px; FONT-FAMILY: 'Tajawal', 'Ro=
boto', Arial, sans-serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: =
#666666; PADDING-BOTTOM: 30px; TEXT-ALIGN: center; PADDING-TOP: 30px; PADDI=
NG-LEFT: 30px; LETTER-SPACING: 0px; LINE-HEIGHT: 21px; PADDING-RIGHT: 30px;=
 BACKGROUND-COLOR: #dde7ea" 
                      vAlign=3Dtop>To view your latest transfer rates and t=
o 
                        make a transfer, you can either go to our Credit Ca=
rd 
                        app or sign in to Online Service. <BR><BR>You can 
                        download our app from the App Store or Google Play 
                        (search 'Virgin Money Credit Card') if you haven't 
                        already. You'll need your card to register. 
                        <BR><BR>Please note, if you've used a different acc=
ount 
                        to register for our Credit Card app, you'll need to=
 sign 
                        in to Online Service. </TD></TR></TBODY></TABLE><!-=
-END - PARAGRAPH CENTER--><!-- START - BUTTON CENTER -->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto"=
 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#dd=
e7ea 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 16px; FONT-FAMILY: Arial, sans-se=
rif; WIDTH: 600px; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: #666666=
; PADDING-BOTTOM: 30px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-LEFT: 3=
0px; LINE-HEIGHT: 21px; PADDING-RIGHT: 30px; BACKGROUND-COLOR: #dde7ea" 
                      vAlign=3Dtop width=3D600>
                        <TABLE class=3DdeviceWidth width=3D540>
                          <TBODY>
                          <TR>
                            <TD 
                            style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
                              <TABLE class=3DdeviceWidth cellSpacing=3D0 
                              cellPadding=3D0 align=3Dcenter border=3D0>
                                <TBODY>
                                <TR>
                                <TD 
                                style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
                                <TABLE class=3Dpc100 cellSpacing=3D0 cellPa=
dding=3D0 
                                width=3D540 align=3Dcenter border=3D0>
                                <TBODY>
                                <TR>
                                <TD class=3Dpc100 
                                style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" 
                                width=3D540 align=3Dcenter>
                                <TABLE class=3DdeviceWidth cellSpacing=3D0 
                                cellPadding=3D0 align=3Dcenter border=3D0>
                                <TBODY>
                                <TR>
                                <TD class=3Dcta 
                                style=3D"BORDER-TOP-STYLE: none; FONT-SIZE:=
 16px; BORDER-LEFT-STYLE: none; FONT-FAMILY: Arial, sans-serif; BORDER-BOTT=
OM-STYLE: none; FONT-WEIGHT: bold; COLOR: #ffffff; PADDING-BOTTOM: 10px; TE=
XT-ALIGN: center; PADDING-TOP: 10px; BORDER-RIGHT-STYLE: none; PADDING-LEFT=
: 30px; DISPLAY: block; LINE-HEIGHT: 20px; PADDING-RIGHT: 30px; BACKGROUND-=
COLOR: #e10a0a; -webkit-border-radius: 20px; -moz-border-radius: 20px; bord=
er-radius: 20px"><a style=3D"TEXT-DECORATION: none; COLOR: #ffffff" href=3D=
"http://t.emails.virginmoney.com/r/=3Fid=3Dh38f41e8,1ebad9d,193ed9f" target=
=3D"_blank">Find out more</A> 
                                </TD></TR></TBODY></TABLE></TD></TR></TBODY=
></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TB=
ODY></TABLE><!-- END - BUTTON CENTER --><!--START - PARAGRAPH CENTER-->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto"=
 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#ff=
ffff 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 16px; FONT-FAMILY: 'Tajawal', 'Ro=
boto', Arial, sans-serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: =
#666666; PADDING-BOTTOM: 30px; TEXT-ALIGN: center; PADDING-TOP: 30px; PADDI=
NG-LEFT: 30px; LETTER-SPACING: 0px; LINE-HEIGHT: 21px; PADDING-RIGHT: 30px;=
 BACKGROUND-COLOR: #ffffff" 
                      vAlign=3Dtop>Thank you for being a Virgin Money custo=
mer. 
                        <BR><BR><STRONG>The Virgin Money Credit Card 
                        Team</STRONG> </TD></TR></TBODY></TABLE><!--END - P=
ARAGRAPH CENTER--><!--START - HORIZONTAL LINE CENTER-->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto;=
 BACKGROUND-COLOR: #ffffff" 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#ff=
ffff 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"WIDTH: 600px; VERTICAL-ALIGN: top; FONT-WEIG=
HT: normal; COLOR: #666666; PADDING-BOTTOM: 30px; TEXT-ALIGN: center; PADDI=
NG-TOP: 0px; PADDING-LEFT: 30px; PADDING-RIGHT: 30px" 
                      height=3D2 vAlign=3Dtop width=3D600 align=3Dcenter><I=
MG alt=3D"" 
                        src=3D"http://res.emails.virginmoney.com/res/img/DA=
B57A42CEC71E83B5EA699BA67DDAC5.png" 
                        width=3D137 height=3D2></TD></TR></TBODY></TABLE><!=
--END - HORIZONTAL LINE CENTER--><!--START - APP STORE LINKS-->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MARGIN: 0px auto" cellSpacing=3D0 
                  cellPadding=3D0 width=3D600 bgColor=3D#ffffff border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 16px; FONT-FAMILY: Arial, sans-se=
rif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: #666666; PADDING-BOTT=
OM: 40px; TEXT-ALIGN: center; PADDING-TOP: 0px; PADDING-LEFT: 30px; LINE-HE=
IGHT: 21px; PADDING-RIGHT: 30px; BACKGROUND-COLOR: #ffffff" 
                      vAlign=3Dtop>
                        <TABLE 
                        style=3D"FONT-SIZE: 16px; FONT-FAMILY: Arial, sans-=
serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: #666666; PADDING-BO=
TTOM: 15px; TEXT-ALIGN: center; PADDING-TOP: 0px; PADDING-LEFT: 0px; LINE-H=
EIGHT: 21px; PADDING-RIGHT: 0px" 
                        cellSpacing=3D0 cellPadding=3D0 width=3D"60%" align=
=3Dcenter 
                        border=3D0>
                          <TBODY>
                          <TR>
                            <TD 
                            style=3D"PADDING-BOTTOM: 15px; PADDING-TOP: 0px=
; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" 
                            colSpan=3D2>Take control with our Virgin Money 
                              Credit Card app. </TD></TR>
                          <TR>
                            <TD 
                            style=3D"VERTICAL-ALIGN: top; PADDING-BOTTOM: 0=
px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-LEFT: 0px; MARGIN: 0px; PAD=
DING-RIGHT: 10px" 
                            vAlign=3Dtop width=3D"44%"><a href=3D"http://t.=
emails.virginmoney.com/r/=3Fid=3Dh38f41e8,1ebad9d,193eda0"><IMG 
                              class=3Dimgfix 
                              style=3D"BORDER-LEFT-WIDTH: 0px; TEXT-DECORAT=
ION: none; BORDER-RIGHT-WIDTH: 0px; WIDTH: 144px; BORDER-BOTTOM-WIDTH: 0px;=
 MARGIN: 0px auto; DISPLAY: block; BORDER-TOP-WIDTH: 0px" 
                              border=3D0 alt=3D"Download on the App Store" 
                              src=3D"http://res.emails.virginmoney.com/res/=
img/AAFD805F34DB8EE09E944B0709790F40.png" 
                              width=3D144 align=3Dleft></A></TD>
                            <TD 
                            style=3D"VERTICAL-ALIGN: top; PADDING-BOTTOM: 0=
px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-LEFT: 0px; MARGIN: 0px; PAD=
DING-RIGHT: 0px" 
                            vAlign=3Dtop width=3D"48%"><a href=3D"http://t.=
emails.virginmoney.com/r/=3Fid=3Dh38f41e8,1ebad9d,193eda1"><IMG 
                              class=3Dimgfix 
                              style=3D"BORDER-LEFT-WIDTH: 0px; TEXT-DECORAT=
ION: none; BORDER-RIGHT-WIDTH: 0px; WIDTH: 160px; BORDER-BOTTOM-WIDTH: 0px;=
 MARGIN: 0px auto; DISPLAY: block; BORDER-TOP-WIDTH: 0px" 
                              border=3D0 alt=3D"Get it on Google Play" 
                              src=3D"http://res.emails.virginmoney.com/res/=
img/DD23BC42E0BD50B86D560B0DDB1E8952.png" 
                              width=3D160 
                    align=3Dleft></A></TD></TR></TBODY></TABLE></TD></TR></=
TBODY></TABLE><!--END - APP STORE LINKS--><!--START - FOOTER LOGO--><!--STA=
RT - OFFICE365 FIX-->
                  <TABLE style=3D"DISPLAY: none">
                    <TBODY>
                    <TR>
                      <TD></TD></TR></TBODY></TABLE><!--END - OFFICE365 FIX=
-->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto"=
 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#ec=
ecec 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD 
                      style=3D"VERTICAL-ALIGN: top; PADDING-BOTTOM: 21px; T=
EXT-ALIGN: center; PADDING-TOP: 30px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px=
; BACKGROUND-COLOR: #ececec" 
                      vAlign=3Dtop><a href=3D"http://t.emails.virginmoney.c=
om/r/=3Fid=3Dh38f41e8,1ebad9d,193eda2"><IMG 
                        style=3D"BORDER-TOP-STYLE: none; BORDER-LEFT-STYLE:=
 none; BORDER-BOTTOM-STYLE: none; BORDER-RIGHT-STYLE: none" 
                        border=3D0 alt=3D"Virgin Money" 
                        src=3D"http://res.emails.virginmoney.com/res/img/14=
B7CD7D6CAC4E3B2ADF788E910C48D5.png" 
                        width=3D121 height=3D51></A> </TD></TR></TBODY></TA=
BLE><!--END - FOOTER LOGO--><!--START - FOOTER LINK BLOCK-->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto"=
 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#ec=
ecec 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 14px; FONT-FAMILY: 'Tajawal', 'Ro=
boto', Arial, sans-serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: =
#666666; PADDING-BOTTOM: 0px; TEXT-ALIGN: center; PADDING-TOP: 0px; PADDING=
-LEFT: 30px; LINE-HEIGHT: 21px; PADDING-RIGHT: 30px; BACKGROUND-COLOR: #ece=
cec" 
                      vAlign=3Dtop><a style=3D"TEXT-DECORATION: underline; =
COLOR: #888888" href=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh38f41e8,=
1ebad9d,193eda3">Privacy 
                        policy</A> &nbsp;&nbsp;|&nbsp;&nbsp; <a style=3D"TE=
XT-DECORATION: underline; COLOR: #888888" href=3D"http://t.emails.virginmon=
ey.com/r/=3Fid=3Dh38f41e8,1ebad9d,193eda4">Contact 
                        Us</A> </TD></TR></TBODY></TABLE><!--END - FOOTER L=
INK BLOCK--><!--START - PARAGRAPH CENTER-->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto"=
 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#ec=
ecec 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 14px; FONT-FAMILY: 'Tajawal', 'Ro=
boto', Arial, sans-serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: =
#888888; PADDING-BOTTOM: 20px; TEXT-ALIGN: center; PADDING-TOP: 30px; PADDI=
NG-LEFT: 0px; LINE-HEIGHT: 16px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: #ece=
cec" 
                      vAlign=3Dtop>We are sending you this information as p=
art 
                        of our credit agreement with you so you know about =
the 
                        balance transfer, money transfer and retail purchas=
e 
                        rates that are available to you. <BR><BR>If you don=
't 
                        want to receive this kind of message from us in the=
 
                        future, please call us on <SPAN 
                        style=3D"WHITE-SPACE: nowrap">0800 011 3210.</SPAN>=
 You'll 
                        still be able to find and use all of these rates in=
 our 
                        app and in Online Service. <BR><BR>Calls to 0800 nu=
mbers 
                        are free from personal mobile phones and residentia=
l UK 
                        landlines. Calls will be monitored and recorded. 
                    </TD></TR></TBODY></TABLE><!--END - PARAGRAPH CENTER-->=
<!--START - HORIZONTAL LINE CENTER-->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto"=
 
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ecec 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 14px; FONT-FAMILY: 'Tajawal', 'Ro=
boto', Arial, sans-serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: =
#888888; PADDING-BOTTOM: 0px; TEXT-ALIGN: center; PADDING-TOP: 0px; PADDING=
-LEFT: 0px; LINE-HEIGHT: 16px; PADDING-RIGHT: 10px; BACKGROUND-COLOR: #ecec=
ec" 
                      vAlign=3Dtop><IMG alt=3D"" 
                        src=3D"http://res.emails.virginmoney.com/res/img/DA=
B57A42CEC71E83B5EA699BA67DDAC5.png" 
                        width=3D137 height=3D2></TD></TR></TBODY></TABLE><!=
--END - HORIZONTAL LINE CENTER--><!--START - CAVEAT TEXT-->
                  <TABLE class=3DdeviceWidth 
                  style=3D"WIDTH: 600px; MIN-WIDTH: 100%; MARGIN: 0px auto"=
 
                  cellSpacing=3D0 cellPadding=3D0 width=3D600 bgColor=3D#ec=
ecec 
border=3D0>
                    <TBODY>
                    <TR>
                      <TD class=3DmobileMargin 
                      style=3D"FONT-SIZE: 14px; FONT-FAMILY: 'Tajawal', 'Ro=
boto', Arial, sans-serif; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: =
#888888; PADDING-BOTTOM: 30px; TEXT-ALIGN: center; PADDING-TOP: 20px; PADDI=
NG-LEFT: 0px; LINE-HEIGHT: 16px; PADDING-RIGHT: 10px; BACKGROUND-COLOR: #ec=
ecec" 
                      vAlign=3Dtop><STRONG>Forgotten your Online Service 
                        Customer ID, Password or Passcode=3F</STRONG> <BR>I=
f you 
                        have previously registered but have forgotten your 
                        Customer ID, password or passcode, please go to <a =
style=3D"COLOR: #7a3671" href=3D"http://t.emails.virginmoney.com/r/=3Fid=3D=
h38f41e8,1ebad9d,193eda5">myvirginmoney.com/cards</A> 
                        and click on the red 'Sign in' box, then click on '=
I 
                        have forgotten my Customer ID' or 'I have forgotten=
 my 
                        password or passcode' under 'Forgotten your sign in=
 
                        details'. <BR><BR><STRONG>Please read, important 
                        information about email security:</STRONG> <BR>To e=
nsure 
                        that you receive all emails about your card, add <A=
 
                        style=3D"COLOR: #7a3671" 
                        href=3D"mailto:email@creditcard.virginmoney.com">em=
ail@creditcard.virginmoney.com</A> 
                        to your email address book or Safe List. <BR><BR>We=
 have 
                        sent this email to you in order to service your cre=
dit 
                        card account and it is confidential and for use by =
the 
                        addressee only. <BR><BR>However, since email is not=
 a 
                        secure form of communication, please do not reply t=
o us 
                        by email. If you would like to communicate with us 
                        online about your account, please sign in to Online=
 
                        Service and use the secure messaging service. 
                        <BR><BR>App Store is a service mark of Apple Inc., 
                        registered in the U.S. and other countries. Google =
Play 
                        is a trademark of Google LLC. <BR><BR>Clydesdale Ba=
nk 
                        PLC (trading as Virgin Money). Registered in Scotla=
nd 
                        (Company No. SC001111). Registered Office: 30 St Vi=
ncent 
                        Place, Glasgow, G1 2HL. Authorised by the Prudentia=
l 
                        Regulation Authority and regulated by the Financial=
 
                        Conduct Authority and the Prudential Regulation 
                        Authority. <BR><BR>VM29202v1 </TD></TR></TBODY></TA=
BLE><!--END - CAVEAT TEXT--></TD></TR></TBODY></TABLE></TD></TR></TBODY></T=
ABLE><!--[if (gte mso 9)|(IE)]>
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