Please read this Agreement carefully before you activate your Card. This information forms the Agreement for your Virgin Prepaid

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1 Important information you need know Important The information you need know Important Virgin Prepaid information Travel Money you MasterCard need know Terms The Virgin Prepaid Travel Money MasterCard The Virgin Prepaid Conditions Travel May Money 2013 MasterCard Terms Conditions May 2013 Terms Conditions March May Please read this Agreement carefully before you activate your Card. This information forms the Agreement for your Virgin Prepaid Please Travel Money read this MasterCard. Agreement By carefully activating before your you Card activate you accept your this Card. Agreement. This information If there forms is anything the Agreement you do not for underst your Virgin or Prepaid do Please Travel not agree Money read with, this MasterCard. please Agreement contact By carefully activating Cusmer before your Services you Card activate using you accept the your contact this Card. Agreement. details This information paragraph If there forms is anything 20 the of this you Agreement. do not for underst your If you Virgin are or under Prepaid do Travel not 18, we agree Money strongly with, MasterCard. please recommend contact By that activating Cusmer you speak your Services Card your using parent accept the contact or this guardian Agreement. details before in paragraph If there you activate is anything 20 of this your you Agreement. Card. do not underst If you are or under do not 18, we agree strongly with, please recommend contact that Cusmer you speak Services your using parent the contact or guardian details before in paragraph you activate 20 of this your Agreement. Card. If you are under 18, we strongly recommend that you speak your parent or guardian before you activate your Card. 1. DEFINITIONS Virgin Money PLC Virgin Money PLC, a company registered 1. Account DEFINITIONS The electronic account associated with your Card. Virgin in Engl Money PLC Wales Virgin with number Money PLC, a company whose registered 1. DEFINITIONS Virgin Money PLC Virgin Money PLC, a company registered Account The electronic account associated with your Card. in registered Engl office Wales is at Jubilee with number House, Gosforth, whose Newcastle upon Agreement This Cardholder agreement as varied from time Account The electronic account associated with your Card. registered Tyne in Engl NE3 4PL. office Wales is at Jubilee with number House, Gosforth, whose Newcastle upon Agreement time. This Cardholder agreement as varied from time Tyne registered office is at Jubilee House, Gosforth, Newcastle upon Agreement time. This Cardholder agreement as varied from time we, us NE3 or 4PL. our PrePay Technologies Limited, a company Available Balance The value of funds loaded on your Card Tyne NE3 4PL. time. we, registered us or our in Engl PrePay Technologies Wales with Limited, number a , company Available available Balance for use. The value of funds loaded on your Card we, registered whose us head or our in office Engl PrePay Technologies registered Wales with office Limited, number is at , a company Baker Street, Available Balance The value of funds loaded on your Card Business available Days for The use. days of Monday Friday between the registered whose London, head W1U in office Engl 8EW. registered Wales with office number is at , Baker Street, available for use. Business hours of 9am Days 3pm The UK days time, of Monday excluding public Friday bank between holidays. the whose London, head office registered office is at 55 Baker Street, Website registered W1U myvirginmoney.com 8EW. office at 3 Sheldon website Square, address London allowing W2 you 6HY. Business hours Days The days of Monday Friday between the London, W1U 8EW. Card of The 9am Virgin 3pm Prepaid UK time, Travel excluding Money public MasterCard bank holidays. Website access your myvirginmoney.com personal Card information. website address allowing you hours of 9am 3pm UK time, excluding public bank holidays. Card any additional The Virgin Emergency Prepaid Travel Card issued Money MasterCard you under this Website myvirginmoney.com website address allowing you you, access your your The personal Cardholder. Card information. Card any Agreement. additional The Virgin Emergency Prepaid Travel Card issued Money MasterCard you under this access your personal Card information. you, your The Cardholder. any Agreement. additional Emergency Card issued you under this 2. you, your SCOPE The Cardholder. OF THIS AGREEMENT Cardholder You, the person entering in this Agreement Agreement. 2. SCOPE OF THIS AGREEMENT with Cardholder us. You, the person entering in this Agreement 2.1 Your Card is an e-money prepaid card. This is not a 2. SCOPE OF THIS AGREEMENT with Cardholder us. You, the person entering in this Agreement 2.1 credit, Your charge Card or debit is an e-money card. prepaid card. This is not a Card Number The 16 digit number on the front of your Card. with us. 2.1 credit, Your Card is an e-money prepaid card. This is not a Card Number The 16 digit number on the front of your Card. 2.2 Your charge Card or debit has been card. issued by Clydesdale Bank Cusmer Services The contact centre for dealing with credit, charge or debit card. Card Number The 16 digit number on the front of your Card. 2.2 PLC pursuant Your Card licence has has been from issued MasterCard by by Clydesdale us pursuant International Bank licence Cusmer queries about Services your Card. The Contact contact details centre for dealing Cusmer with from 2.2 PLC Incorporated. pursuant MasterCard Your The licence has International Card been is from an issued electronic MasterCard Incorporated. by Clydesdale money International The product. Bank Card is PrePay Cusmer queries Services about can Services be your found Card. The in paragraph Contact contact details centre 20. Fees for dealing Cusmer may apply. with PLC pursuant licence from MasterCard International queries about your Card. Contact details for Cusmer an Incorporated. Technologies electronic money Limited The Card product. is authorised an electronic PrePay Technologies money regulated product. by Limited the PrePay Services EEA is the can European be found Economic in paragraph Area 20. which Fees currently may apply. includes Incorporated. The Card is an electronic money product. PrePay Services can be found in paragraph 20. Fees may apply. is Technologies Financial authorised Conduct Limited regulated Authority is authorised by (FRN the ) Financial regulated Conduct issue by e-money. the EEA all countries is the European in the European Economic Union Area gether which currently with Icel, includes Authority Technologies Financial We are a registered Conduct (FRN Limited ) Authority service is authorised issue provider (FRN e-money ) of Clydesdale regulated MasterCard issue by Bank e-money. the EEA all Norway countries is the European Liechtenstein. in the European Economic Union Area gether which currently with Icel, includes Financial Conduct Authority (FRN ) issue e-money. is We PLC. a registered are MasterCard a registered trademark a service registered of provider MasterCard trademark of Clydesdale International of MasterCard Bank all Norway countries in the European Union gether with Icel, We are a registered service provider of Clydesdale Bank Emergency Card Liechtenstein. an additional Card that is issued you Incorporated. PLC. International MasterCard Incorporated. Your a rights registered Your obligations trademark rights relating of obligations MasterCard the Norway Liechtenstein. PLC. MasterCard is a registered trademark of MasterCard Emergency with your original Card Virgin an additional Prepaid Travel Card that Money is issued MasterCard. you International relating the Incorporated. use of this Card Your are rights subject obligations this Agreement use Emergency Card an additional Card that is issued you International of this Card Incorporated. are subject Your this Agreement obligations between you with your original Virgin Prepaid Travel Money MasterCard. relating between you the use us; of you this have Card no are rights subject against this Clydesdale Agreement e-money The electronic money associated with your Card. with your original Virgin Prepaid Travel Money MasterCard. relating us; you the have use no of rights this Card against are subject MasterCard this International between Bank PLC you or MasterCard us; you International have no rights Incorporated against Clydesdale Agreement or their e-money The electronic money associated with your Card. Incorporated Full Deductible Amount The full transaction amount, between Bank respective PLC you or affiliates. MasterCard or their us; If you respective you International have experience no affiliates. rights any Incorporated against difficulties If you Clydesdale experience or in their using e-money The electronic money associated with your Card. any Full including Deductible the Transaction Amount itself The full along transaction with any associated amount, Bank respective the Card difficulties PLC you or affiliates. MasterCard should in using contact If you the International experience Card Cusmer you should any Incorporated Services. difficulties contact The or e-money in their using Full including fees, Deductible charges the Transaction Amount taxes. itself The full along transaction with any associated amount, Cusmer respective the associated Card you Services. affiliates. with should this The Card contact If you e-money will experience Cusmer be in associated either any Services. Euros difficulties with or The United this e-money in Card using including fees, charges the Transaction taxes. itself along with any associated will the associated Card you with should this contact will Cusmer be in either Services. Euros or The United e-money MasterCard MasterCard International Incorporated whose States be Dollars. in either The Euros Card or remains United States the property Dollars. of The Clydesdale Card fees, charges taxes. remains associated with this will be in either Euros or United MasterCard MasterCard International Incorporated whose States Dollars. The Card remains the property of Clydesdale head office is at 2000 Purchase Street, Purchase, New York Bank PLC. our property. MasterCard MasterCard International Incorporated whose States Dollars. The Card remains the property of Clydesdale head office is at 2000 Purchase Street, Purchase, New York Bank PLC USA. 2.3 This Agreement is written available only in English head office is at 2000 Purchase Street, Purchase, New York Bank PLC USA. 2.3 This Agreement is written available only in English Merchant A retailer, or any other person, firm or we undertake communicate with you in English USA. 2.3 This Agreement is written available only in English Merchant A retailer, or any other person, firm or we undertake communicate with you in English corporation that accepts cards which display the MasterCard regarding any aspect of your Card or Account. Merchant A retailer, or any other person, firm or we undertake communicate with you in English corporation that accepts cards which display the MasterCard regarding any aspect of your Card or Account. acceptance mark. corporation that accepts cards which display the MasterCard regarding 3. BUYING, any aspect RECEIVING of your Card AND or Account. acceptance My Virgin Money mark. The area of the Website that allows you 3. BUYING, ACTIVATING RECEIVING YOUR CARD AND acceptance mark. 3. BUYING, RECEIVING AND My service Virgin your Money Account. The area of the Website that allows you 3.1 ACTIVATING You may only apply YOUR for CARD a Card if you are resident in My service Virgin your Money Account. The area of the Website that allows you ACTIVATING YOUR CARD PIN Your four digit personal identification number for use 3.1 the UK, You may you only may apply hold up for a five Card Cards if you per are household resident in at service your Account. PIN with the Your Card. four digit personal identification number for use 3.1 the any UK, one You time. may you As only may the apply applicant hold up for a you five Card are Cards if you responsible per are household resident for all in at PIN with the Your Card. four digit personal identification number for use the any additional UK, one time. Cards you As may issued the applicant hold under up this you five Agreement are Cards responsible per household any for all fees at or Prepaid Account Number This is your unique personal with the Card. any additional charges one time. that Cards these As issued the Cards applicant under may this incur. you Agreement are responsible any for all fees or Prepaid account Account number, Number is found This on is the your back unique of your personal Card. additional charges that Cards these issued Cards under may this incur. Agreement any fees or Prepaid account Account number, Number is found This on is the your back unique of your personal Restricted Card A Card with spending limits as set Card. 3.2 We will issue your Card you on the basis of the out in charges that these Cards may incur. account number, is found on the back of your Card. 3.2 information We will that issue you your have Card provided you on the you basis acknowledge of the Restricted paragraph 3.3. Card A Card with spending limits as set out in 3.2 information you will We need will that issue provide you your have sufficient Card provided you evidence on the you basis for acknowledge us of the Restricted paragraph 3.3. Card A Card with spending limits as set out in Transaction A retail sale, a cash advance, cashback or a information you satisfacrily will need that verify provide you your have sufficient identity provided evidence address. you for acknowledge You us agree paragraph 3.3. Transaction cash machine withdrawal A retail sale, completed a cash advance, by you cashback using your or Card. a you satisfacrily provide will need accurate verify provide your personal sufficient identity information evidence address. for You us tell agree us of Transaction cash machine withdrawal A retail sale, completed a cash advance, by you cashback using your or Card. a any satisfacrily provide changes accurate as verify soon your personal as possible identity information so that address. our records You tell agree remain us of cash machine withdrawal completed by you using your Card. correct. provide You accurate should update personal any information changes your personal tell us of

2 any changes as soon as possible so that our records remain correct. You should update any changes your personal any information changes by as visiting soon as the possible Website so that or calling our records Cusmer remain correct. Services. You In particular, should update you should any changes always keep your us personal informed information of changes by your visiting the address. Website or calling Cusmer Services. In particular, you should always keep us informed 3.3 If we are unable satisfacrily verify your identity of changes your address. address from information provided by you at the time you 3.3 apply for If we a Card are unable we will issue satisfacrily you with a verify Restricted your identity Card. There is a tal address cumulative from information spending limit provided of 2,500/$2,500 by you at the time per year you apply (12 months for a Card starting we will on issue first Transaction) you with a Restricted on Restricted Card. Cards There is of a which tal no cumulative more than spending 1000 / limit $1000 of 2,500/$2,500 can be generated per via year (12 cash months machine starting withdrawals on first or Transaction) from a single on debit Restricted transaction Cards of at which Merchant. no more Please than note 1000 the maximum / $1000 can Account be generated balance via cash limits machine are set out withdrawals in paragraph or from 5.1. a If, single after applying debit transaction for a Card, at you Merchant. are issued Please with a note Restricted the maximum Card, you Account will have balance the option limits upgrade are set out a non-restricted in paragraph 5.1. Card If, by after providing applying satisfacry for a Card, you documentation are issued with as proof a Restricted of identity Card, you address will have (fees the apply option for this upgrade, see a non-restricted paragraph 11). Card by providing satisfacry documentation as proof of identity address (fees apply for 3.4 Your Card will be posted your home address, this upgrade, see paragraph 11). will be loaded with any initial value you credited your Card 3.4 when you Your applied Card will for be it, less posted the Card your application home address, fee set out in will paragraph be loaded 11. with You should any initial receive value your Card credited within your 15 days Card of when your application. you applied for it, less the Card application fee set out in paragraph 11. You should receive your Card within 15 days of 3.5 When you receive your Card, you must sign it your application. immediately, then call Cusmer Services activate it. 3.5 Please When note that you before receive using your your Card, Emergency you must sign Card it you will immediately, also need activate then it. call When Cusmer you call Services Cusmer Services activate it. Please you will note need that select before the using Card your Activation Emergency option Card from you will the also menu. need You will activate be asked it. When quote you your call Card Cusmer Number Services the you activation will need code which select is the printed Card Activation the letter option that came from with the menu. your Card. You You will be will asked also be asked quote your provide Card Number us with sufficient the activation details enable code which us is confirm printed your on the identity. letter that came with your Card. You will also be asked provide us with sufficient 3.6 Subject the provisions of paragraph 3.3 (Restricted details enable us confirm your identity. Cards) you may use your Card make cash withdrawals. 3.6 You will Subject need a PIN the for provisions cash machine of paragraph withdrawals 3.3 (Restricted Cards) authorise you any may retail use your sales Card transactions make cash in the withdrawals. UK in some You countries will need abroad. a PIN for cash machine withdrawals authorise any retail sales transactions in the UK in some 3.7 You will be given your PIN when you activate your Card. countries abroad. You should never reveal your PIN anybody. We will not 3.7 reveal your You will PIN be given a third your party. PIN If when you forget you activate your PIN your Card. can You obtain should a reminder never reveal of it by your contacting PIN anybody. Cusmer We Services. will not reveal your PIN a third party. If you forget your PIN you can 3.8 When you select or change your PIN, you must not obtain reminder of it by contacting Cusmer Services. select a PIN that may be easily guessed, such as a number that: 3.8 When you select or change your PIN, you must not is easily associated with you, such as your select a PIN that may be easily guessed, such as a number that: telephone number or birth date, is easily associated with you, such as your is part of data imprinted on the Card, telephone number or birth date, consists of the same digits or a sequence of is part of data imprinted on the Card, running digits, or consists of the same digits or a sequence of is identical a previously selected PIN. running digits, or 3.9 You agree that we may communicate with you by is identical a previously selected PIN. for issuing any notices or information about your Account or 3.9 Card You therefore agree that it is we important may communicate that you ensure with you you by keep for your issuing any address notices updated or information via My Virgin about Money. your Account Additionally, or Card your Transaction therefore hisry it important statements that you are ensure made you available keep your you in My address Virgin Money updated via you My will Virgin need Money. register Additionally, in your order Transaction be able hisry obtain this statements information. are made available you in My Virgin Money you will need register in order be able obtain this information. 4. USING YOUR CARD 4.1 Your Card can be used at any Merchant (fees apply, see 4. USING YOUR CARD paragraph 11). You can authorise Transactions on your Card 4.1 at any Merchant Your Card by can entering be used your at any PIN Merchant or other security (fees apply, code, see paragraph if the Merchant 11). You does can not authorise accept chip Transactions PIN authorisation, on your Card at the any Merchant Merchant may by allow entering you your authorize PIN other Transaction security code, by if signature the Merchant of the does receipt. not Please accept be chip aware that PIN authorisation, you may not the usually Merchant sp a may Transaction allow you once authorize it has been the authorised Transaction as at by signature that point of it is the deemed receipt. Please be received be aware by us. that you may not usually sp a Transaction once it has been authorised as at 4.2 You may use your Card in conjunction with your PIN that point it is deemed be received by us. at a cash machine displaying the MasterCard symbol 4.2 make a You cash may withdrawal, use your Card subject in conjunction the fees with charges your PIN as at shown a cash in machine paragraph displaying 11. You acknowledge the MasterCard that symbol these services make may be a temporarily cash withdrawal, unavailable subject during the periods fees of charges routine as shown maintenance. paragraph 11. You acknowledge that these services may be temporarily unavailable during periods of routine 4.3 Cards may also be used make cash back withdrawals maintenance. at participating Merchants or cash advance withdrawals at 4.3 participating Cards may banks also (fees be used apply see make paragraph cash back 11) withdrawals displaying at the participating MasterCard symbol. Merchants You or can cash withdraw advance up withdrawals 750 / $1000 at participating per day depending banks on (fees the apply currency see of paragraph your Card, 11) however displaying if the you MasterCard hold a Restricted symbol. Card You then can you withdraw are subject up 750 the / annual $1000 per withdrawal day depending limits set on out the in currency paragraph of your 3.3 which Card, however means that if your hold daily a withdrawal Restricted Card limit then may be you less are than subject 750 / the $1000 annual if withdrawal you have previously limits set made out in a paragraph withdrawal 3.3 with which your means Restricted that your Card. daily Please withdrawal be aware limit that may some be banks, less than Merchants 750 / $1000 or cash if you machine have providers previously may made apply a withdrawal lower limits. with your Restricted Card. Please be aware that some banks, Merchants or cash 4.4 Fees relating cash machine services, as shown in machine providers may apply lower limits. paragraph 11, may be in addition any cash machine charge 4.4 that you Fees may relating be charged cash by machine other cash services, machine as providers shown in for paragraph using their 11, cash may machine. be addition any cash machine charge that you may be charged by other cash machine providers for 4.5 Your Card is a prepaid card, which means that the using their cash machine. Available Balance will be reduced by the full amount of each Transaction 4.5 Your Card authorisation a prepaid card, (see which explanations means that in the Available of the different Balance circumstances will be reduced in which by the requests full amount for of each Transaction authorisation might authorisation take place), (see in addition explanations any in applicable taxes of the different charges, circumstances including any in additional which requests cash machine for authorisation charges (if any). might This take is your place), Full Deductible in addition Amount, any applicable which taxes must be less charges, than or including equal any the additional Available Balance cash machine on your charges Card. You (if must any). not This use is your Full Card Deductible after the expiry Amount, date which of the must Card or be if less the than Full Deductible or equal Amount the Available exceeds Balance the Available on your Card. Balance. You If, must for any not reason, use your a Card Transaction after the is expiry processed date for of the an Card amount or if greater the Full than Deductible the Available Amount Balance exceeds on the your Available Card, Balance. you must If, repay for any us the reason, amount a Transaction by which the is processed Full Deductible for an amount Amount greater exceeds than your the Available Available Balance Balance within on your 14 days Card, you of receiving must repay an invoice us the amount from us. by Should which you the not Full repay Deductible this Amount amount within exceeds 14 your days Available of receiving Balance an invoice within from 14 days us we of reserve receiving the right an invoice take from all steps us. Should necessary, you not including repay this legal amount action, within recover 14 any days monies of receiving outsting. invoice from us we reserve the right take all steps necessary, including legal 4.6 You can check your balance for free by visiting action, recover any monies outsting. the Website. You can also check your balance by calling 4.6 Cusmer You Services. can check your balance for free by visiting the Website. You can also check your balance by calling 4.7 Due security safeguards, Merchants that accept your Cusmer Services. Card are required seek authorisation from us for all of the 4.7 Transactions Due that security you make. safeguards, There Merchants are some circumstances that accept your Card where are Merchants required may seek require authorisation you have from an us Available for all of the Transactions Balance greater that than you the make. value There of the are Transaction some circumstances you wish where make. You Merchants will only may be charged require you for the have actual an Available final value Balance of the Transaction greater than you the make. value Merchants of the Transaction request this you as wish they make. may need You will access only be more charged funds for than the you actual initially planned final value of spend. the Transaction For example: you make. Merchants request this as they may need access more funds than you initially planned spend. For example:

3 4.7.1 Hotels rental cars As Merchants may not be able accurately predict how much your final bill will be, they may request an authorisation for funds greater than your Available Balance. This is called preauthorisation. We suggest that you consider using an alternative card for pre-authorisation that you use your Card for payment when checking out of the hotel Restaurants You will need have an Available Balance equivalent the tal cost of the meal plus 20%. This is accommodate any service charge that could be added your bill Internet Merchants Certain internet merchant sites will, on registration or at checkout stage, send a request for payment authorisation verify if funds are available. This will temporarily impact your Available Balance. Also, please bear in mind that many sites won t deduct payment until goods are dispatched so please be aware of this when checking your balance make sure you ve always got funds available cover your purchases. We will decline any authorisation requests from Merchants using your Card for identification purposes In-flight purchases Merchants may not be able authorise your Transaction if they can t obtain an online authorisation from us. Examples include on-board cruise or train charges some in-flight purchases. 4.8 Your Card cannot be used at self service petrol pumps. You can use your Card pay by taking it the cashier. 4.9 Your Card should not be used as a form of identification The Available Balance on your Account will not earn any interest We may ask you surrender the Card at anytime for a valid reason in accordance with the provisions in paragraph 16 of this Agreement. If we do so, we will give you back your e-money in accordance with paragraph 7 of this Agreement. 5. LOADING YOUR CARD. 5.1 The minimum initial p p up up is is / $100 / $100. maximum is Provided / $1000 you do not hold a Restricted Card then after 5.2 the initial Provided p up you you do may not p-up hold a Restricted your Card(s) Card online then after through the My Virgin initial p Money up you up may a p-up maximum your balance Card(s) online of 5000 through / $5000 My (depending Virgin Money the up currency a maximum of your balance Card) of per 5000 Account. / $5000 If you (depending have a Restricted on the currency Card you of may your only Card) p per up Account. your Restricted If you have Card a Restricted a maximum Card balance you may of only 1000 p up / $1000 your Restricted only per Card Account. a maximum For the full balance list of Restricted of 1000 / $1000 Card limits only per please Account. refer For paragraph the full list of 3.3. Restricted Please note Card that limits if you please attempt refer paragraph load your 3.3. Restricted Please note Card that with if funds you attempt in excess load of the your Restricted Restricted Card Card with maximum funds in balance excess then of the the Restricted excess funds Card maximum will not be balance loaded your Card we may be unable redeem those excess then the excess funds will not be loaded your Card we funds you without obtaining sufficient evidence verify may be unable redeem those excess funds you without your identity address. obtaining sufficient evidence verify your identity address. 5.3 The foreign exchange rate for p ups is set daily 5.3 The foreign exchange rate for p ups is set daily the the daily rate will be displayed within My Virgin Money. You daily can view rate will this be once displayed you have within logged My Virgin in. Money. You can view this once you have logged in. 5.4 You can p-up your Card online using a debit or 5.4 a credit You card, can subject p-up always your Card the online maximum using a debit balance or a credit restrictions. card, subject A minimum always p-up the maximum of 50 balance or $50 applies. restrictions. A Only minimum one debit p-up or credit of 50 card or $50 can applies. be used Only p-up one debit your or Card. credit You card must can have be used registered p-up your your debit Card. or You credit must card have with your registered bank your for MasterCard debit or credit Secure card with Code your or bank Verified for by MasterCard Visa use this Secure service. Code If or you Verified change by Visa details use of your this debit service. If or you credit change card details we may of ask your for debit additional or credit time card we approve may ask for additional your p-up. time approve your p-up. The address of the debit or credit cardholder must match the address given when your Virgin Prepaid Travel Money MasterCard was purchased. Credit/debit card p-ups will be available on your Card when we receive your money which is usually within 48 hours of the date on which you make the p-up payment. Fees apply for p-ups made using a credit card in addition fees that may be charged by your credit card provider, see paragraph We reserve the right suspend or terminate the right p-up your Card at any time without notice. 6. CARD EXPIRY 6.1 The expiry date of your Card is printed on the front of the Card. You will not be able use your Card if it has expired. If you would like apply for a new Card please contact Cusmer Services (fees may apply). Alternatively, you can request a refund of any remaining Available Balance, made according the provisions of paragraph No Transactions will be processed once your Card has expired. 6.3 If your Card has been used in the eight weeks prior the expiry date, we ll send a new Card free of charge your registered address. 6.4 If your Card has not been used in the eight weeks prior the expiry date, we ll send you an asking whether you would like renew your Card or instead reclaim the outsting Available Balance (if any) If you opt have your Card renewed, you ll be issued a new Card (fees apply, see paragraph 11) If you tell us you do not want your Card renewed we will close your Account on the expiry date. If there is an outsting Available Balance on the Card at expiry, this will be sent your registered address by cheque (subject paragraph 6.5) by the end of the business day following the business day on which the refund request is received If you do not reply the , we ll close your Account on the expiry date. Any outsting Available Balance on the Card at expiry will remain yours for a period of six years from the expiry date. Within these six years, you can request a refund anytime by ing us at or calling (subject paragraph 6.5). We will not return any funds remaining on the Card longer than six years after expiry of the Card. 6.5 If you have a Restricted Card, we are required by law establish your identity before you are able redeem e-money from your Card which may mean that we will require you provide us with sufficient evidence satisfacrily verify your identity address. 7. REDEEMING E-MONEY 7.1 If you would like redeem any unused funds on your Card you must redeem all of those funds you will be charged a fee cover redemption costs if you redeem all of your balance at the following times: before the expiry date of your Card or replacement Card before you or we terminate this Agreement prior the Card expiry date; more than 12 months after: (i) your card or replacement card expires, or;

4 (ii) this agreement is terminated, (as applicable). You will be reminded of this fee before redemption. 7.2 If a redemption fee is applied in accordance with paragraph 7.1 above, you will be charged as set out in paragraph 11.1, or the tal Available Balance if lower than the redemption fee. All redemptions will be paid by cheque. 7.3 You may redeem funds the provisions described in 7.1 as long as; we believe you have not acted fraudulently; we are not prohibited from doing so by any applicable law, regulation, court order or instruction or guidance of a competent regulary authority or agency. 7.4 You can obtain redemption of any unused funds by contacting Cusmer Services. 7.5 All redemptions will be made in pounds sterling regardless of the currency in which your Card is issued. We will use the exchange rate set by MasterCard which will be available on each Business Day changes in the exchange rate shall take effect immediately. You will be advised of the rate at the time you make the redemption request Cusmer Services. 7.6 All redemptions will be paid by cheque issued in your name. 7.7 Any redemption shall be made gether with a pro-rata refund of any application fee that you may have paid in advance with respect the Card (if applicable). 7.8 If we find any additional withdrawals, fees or charges have been incurred on your Card following the processing of your redemption funds, we ll send an itemised invoice you we will require you refund us within 14 days of the invoice. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the right take all steps necessary, including legal action, recover any monies outsting. 8. CARDHOLDER LIABILITY AND AUTHORISATIONS 8.1 We may restrict or refuse authorise any use of your Card in any legal jurisdiction if using the Card is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you or a third party has committed or is about commit a crime or other abuse in connection with the Card. 8.2 Where appropriate, any refusal authorise a Transaction will be relayed you via the Merchant concerned. 8.3 You must sign your Card Emergency Card as soon as you receive them keep them safe. Keep your Emergency Card separate from your other Card. 8.4 You should never: allow another person use your Card, reveal your PIN never write down your password(s), PIN or any security information unless you do this in a way that would make it impossible for anyone else recognise any of that information, disclose your PIN, or otherwise make it available any other person, whether verbally or by entering it in a way that allows it be observed by others or otherwise, or enter the PIN in any cash machine that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 8.5 You will be responsible for all Transactions which you or any additional Cardholder authorise, whatever the manner of such authorisation. 8.6 You agree indemnify hold us our distriburs, partners, distriburs, agents, partners, sponsors agents, sponsors service providers (including without their group limitation companies Clydesdale harmless Bank PLC), from service against providers the costs of their group companies harmless from against the costs of any any legal legal action action taken taken enforce enforce this this Agreement Agreement /or /or any any breach of this Agreement or fraudulent use of of your Card or or PIN PIN by or authorised by you. 9. LOST, STOLEN OR DAMAGED CARDS 9.1 You should treat the e-money on your Card like cash in a wallet. If your Card or Emergency Card is lost or slen you may lose any e-money on it in just the same way as if you lost your wallet unless you report your Card or Emergency Card lost or slen with Cusmer Services. 9.2 In the event of loss, theft, fraud or any other risk of an unauthorised use of your Card or Emergency Card, or if your Card or Emergency Card is damaged or malfunctions, you must contact Cusmer Services immediately so that we can block your Card. 9.3 In the event that you notify us in accordance with this Agreement that your Card or Emergency Card has been lost or slen you will be liable for a maximum of 50 of any loss that takes place prior you contacting Cusmer Services. You will be fully liable where you have failed keep your Card or Emergency Card safe. 9.4 We will refund immediately any amount that was not authorised by you, unless: you have been negligent with your Card, you have been negligent with the security features of your Card, you have breached this Agreement, or you have not provided us with the required or sufficient information make a decision 9.5 Provided that you have given notification in accordance with clause 9.2 that clause 9.4 does not apply, then you will not be liable for losses that take place following the date on which you gave such notification Cusmer Services. If there is an Available Balance remaining on your Card, this will be aumatically transferred your Emergency Card or replacement Card (fees may apply) if your Emergency Card is lost or slen. Alternatively, your Available Balance can be redeemed you, unless we have any reason believe that the notified incident has been caused by your breach of this Agreement, gross negligence or if it raises reasonable suspicion of fraudulent or improper conduct. If we replace the Card, the Card will be delivered your home address (fees apply, see paragraph 11). 9.6 If you are travelling outside of the United Kingdom in the event of loss, theft, fraud or other risk of unauthorised use of your Card or Emergency Card, please contact Cusmer Services who will advise of your options with respect the Card Available Balance. 9.7 In the event that we have reason believe you have acted fraudulently or you have acted with gross negligence or intentionally in failing notify us of the lost or slen Card or Emergency Card then you shall be liable for all losses.

5 10. TRANSACTIONS MADE IN FOREIGN CURRENCIES 10.1 If you make a Transaction in a currency other than the currency in which your Card is issued ( Foreign Currency Transaction ), the amount deducted from your Account will be converted the currency in which your Card is issued. This will happen on the day we receive details of that Foreign Currency Transaction we will use the exchange rate set by MasterCard which will be available on each Business Day changes in the exchange rate shall take effect immediately. Exchange rates can fluctuate they may change between the time when the Transaction is made the time when it is deducted from your Available Balance. For Transactions made within the EEA or in an EEA currency you can find out the MasterCard Exchange Rate by ing Cusmer Services. We will charge an additional foreign currency Transaction fee for all foreign currency Transactions (see paragraph 11). 11. FEES 11.1 All money on the Card will either be in Euros ( ) or United States Dollars ($) the fees will be charged in the same currency as your Card is issued. What does it cost? Card application fee Monthly fee Cash withdrawal in issued currency $2 or 1.50 Cash withdrawal in non-issued currency (includes Foreign Currency 3.5% plus $2 or 1.50 Transaction fee) Transaction fee (POS & Internet) Additional Foreign Currency Transaction Fee 3.5% Top Up - debit card Top Up - credit card 2.5% Replacement Card/ additional Card $7.50 or 5 Paper statement $6 or 4 PIN change at cash machine Free PIN reminder Free Cancel Card / redemption fee (if applicable) $10 or 7.50 Upgrade from Restricted Unrestricted Card $10 or 7.50 Stard/national/ Cusmer Services international rate number fees may vary if you call from a mobile 11.2 We will deduct any taxes or charges due from the Available Balance on your Card. If there is no Available Balance of funds on your Card or taxes or charges exceed the balance of funds available, we shall send an invoice you we will require you refund us within 14 days of the invoice. Should you not repay this amount within 14 days of receiving the invoice from us then we reserve the right take all steps necessary, including legal action recover any monies outsting. 12. DISPUTES 12.1 If you have a reason believe that a Transaction for which your Card was used is unauthorised or has been posted your Account in error, you may ask us investigate the Transaction. We strongly recommend that you check My Virgin Money on a regular basis as it is updated instantly notify us by contacting Cusmer Services as soon as possible, but in any event within 13 months of the date of the relevant Transaction. Please be aware that any delay in notifying us makes it more difficult for us obtain evidence as whether the Transaction was authorised may therefore increase the time involved in investigating the Transaction We may require you liaise with appropriate authorities with respect the disputed Transaction We If we will investigate immediately the refund disputed the transaction, disputed amount the disputed resre amount your will be Account unavailable the position spend it until would our have investigation been if is the disputed complete. Transaction In all cases had the value not taken of a disputed place. In all Transaction cases the value may of a later disputed be deducted Transaction from may your later Account be deducted if we receive from information your Account if that we proves receive that information the Transaction that proves was that genuine. the Transaction In this event was we genuine. will charge In you this a event 10 administration we will charge you fee. a 10 administration fee We reserve the right not refund sums you if we believe that you have not acted in accordance with this Agreement Where you have agreed that another person in the European Economic Area can take a payment from your Account (e.g. if you have given your Card details a retailer for the purpose of making a payment) you can ask us refund a payment if all the following conditions are satisfied: the authorisation you gave did not specify the exact amount be paid; the amount that has been charged your Account was more than you could reasonably have expected pay based on the circumstances including previous spending patterns; you make the refund request within eight weeks of the date when the payment was charged your Account. 13. VARIATION 13.1 We may change this Agreement, including fees, limits introduce new terms. If we make any changes, we will provide you with 2 months prior notice by (provided that you have supplied VT with an up--date address) will ensure the most recent version is always available on the Website. You will be deemed have accepted the changes by continuing use your Card after the 2 months notice period. You may terminate your Card any time within the 2 months notice period if you do not agree with the changes the Agreement subject paragraph 7 you can redeem your tal Available Balance at that time. 14. CANCELLATION 14.1 You may cancel your Card before activating it, up 14 calendar days after the date of activation ( the Cancellation Period ), by writing Cusmer Services at the address given in paragraph 20 of this Agreement. This does not apply replacement Cards where the Cancellation Period for the original Card has expired. Upon cancellation, we will issue a refund you of the Issuance Fee any Available Balance on your Card by the end of the business day following the business day on which the refund request is received You may terminate your Card any time after the Cancellation Period by exercising your rights under paragraph 7. Fees may apply, see paragraph 11.

6 15. TERMINATION OR SUSPENSION 15.1 We can terminate this Agreement at any time: if we give you 2 months prior notice by (provided that you have supplied us with an up--date s address) refund the Available Balance you, or with immediate effect if you have breached this Agreement, or if we have reason believe that you have used, or intend use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your Transactions due the actions of third parties We can suspend your Card at any time with immediate effect ( until your default has been remedied or the Agreement terminated) if: we discover that any of the information you provided us when you applied for your Card was incorrect; a Transaction has been declined because of a lack of Available Balance; or you have breached this Agreement or we have reason believe that you have used, or intend use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your Transactions due the actions of third parties In the event that we do suspend or cancel your Card then if we are able do so, we will tell you in advance otherwise we will let you know immediately afterwards. We may advise anyone involved in the Transaction if a suspension has taken place In the event that any additional fees are found have been incurred on your Card following termination by either you or us, then subject this Agreement, you shall refund us any sum which relates a withdrawal on the Card or fees /or charges validly applied whether before or after termination. We will send an invoice you will require you refund us within 14 days. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the right take all steps necessary, including legal action, recover any monies outsting gether with any costs incurred in recovering such monies. 16. OUR LIABILITY 16.1 Our liability in connection with this Agreement (whether arising in contract, rt (including negligence, breach of statury duty or otherwise) shall be subject the following exclusions limitations: we shall not be liable for any default resulting directly or indirectly from any cause beyond our control, including but not limited, a lack of funds /or failure of network services at cash machines, maximum withdrawal limits set by cash machine operars failure of data processing systems, we shall not be liable for any loss of profits, loss of business, or any indirect, consequential, special or punitive losses, where the Card is faulty due our default, our liability shall be limited replacement of the Card, or at our choice, redemption of the Available Balance, where sums are incorrectly deducted from your Available Balance due our default, our liability shall be limited payment you of an equivalent amount, in the unlikely event that sums are deducted from your Available Balance but you did not authorise such deduction in accordance with this Agreement then our liability shall be as set out in paragraph 12, in all other circumstances of our default, our liability will be limited redemption of the Available Balance Nothing in this Agreement shall exclude or limit our liability for death or personal injury resulting from our negligence or fraud To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise are expressly excluded The above exclusions limitations set out in in this paragraph 16 shall apply any liability of our affiliates such as Clydesdale as, MasterCard Bank International PLC, MasterCard Incorporated, International or other Incorporated, suppliers, or contracrs, other suppliers, agents contracrs, or distriburs agents or any distriburs of their respective any of affiliates their respective (if any), affiliates you, which (if any), may arise you, in which connection may arise with in this connection Agreement. with this Agreement. 17. YOUR INFORMATION 17.1 You may provide us with personal data from time time in connection with your Card. Some personal data will be necessary for us provide you with the Card services under this Agreement. You must notify us immediately of any change of name address by contacting Cusmer Services We our affiliates are committed maintaining your personal data in accordance with the requirements of the Data Protection Act will take all reasonable steps ensure that your personal data is kept secure against unauthorised access, loss, disclosure or destruction. Except as required by law, or in accordance with this Agreement, your personal information will not be passed anyone without your permission. To comply with Anti-Money Laundering Regulations, we are required request evidence of identity from you may use an ID verification agency or credit reference agency (whose names addresses will be provided you on request) both prior following issue of your Card for this purpose who will add details your record of our request for a search You agree that we can use your personal data in in connection connection with the Card, with the the Card, e-money the associated e-money with associated the Card, with contact the you Card, about replacement contact you Cards, about replacement enable us Cards, review, develop enable improve us review, our products develop services. improve This our may products involve providing services. your personal This may data involve our partners, providing affiliates, your personal agents, data distriburs, our partners, suppliers affiliates, including agents, Virgin distriburs, Money PLC, suppliers MasterCard including Virgin International Money Incorporated PLC, Clydesdale Bank its affiliates PLC process MasterCard Transactions International Incorporated its affiliates process for their statistical research analytical purposes. We may Transactions for their statistical research analytical share your personal data with Virgin Money PLC for direct marketing purposes. We may share your personal data with Virgin Money PLC purposes. for direct If you marketing do not wish purposes. receive If you any marketing do not wish material receive any from marketing Virgin Money material PLC, please from Virgin select Money Marketing PLC, Opt please Out select in My Marketing Virgin Money Opt or Out contact in My Cusmer Virgin Money Services. or See contact paragraph Cusmer 20 for Services. contact details. See paragraph We may also 20 for transfer contact your details. personal We data may outside also transfer of the EEA your enable personal you data use outside the Card of the while EEA you are enable travelling, you use the you Card acknowledge while you that are such travelling, countries may you not acknowledge offer the same that such protections countries for personal may not offer data. the We may same also protections disclose your for personal data. as We required may also by disclose law, regulation your personal or any competent data as required authority by or law, agency regulation including or any authorities competent authority agencies or agency investigate including possible fraudulent, authorities unlawful agencies or unauthorised investigate activity. possible fraudulent, unlawful or unauthorised activity You may contact us at anytime request us sp such use 17.4 or further You disclosure may contact other us at companies anytime for request such use. us sp such use or further disclosure other companies for such use.

7 17.5 You have a right inspect the personal data we hold about you, however we may ask you pay an inspection fee of 10 cover our costs. For further information please contact Cusmer Services If we discover that the information we hold about you is incorrect, we may have suspend or cancel your Card until we can establish the correct information, in order protect us both It is your responsibility keep us updated of changes your personal details, including address. Failure do so may result in us being unable contact you regarding your Card, including the provision of refunds which you might be entitled or let you know about changes this Agreement. 18. COMPLAINTS PROCEDURE 18.1 If you have any complaints about your Card you must notify us by contacting Cusmer Services All complaints will be subject our complaints procedure. We will provide you with a copy of our complaints procedure upon request, if we receive a complaint from you, a copy of our complaints procedure will aumatically be posted you If we fail resolve your complaint your satisfaction you may refer your complaint the Financial Ombudsman Service (Exchange (South Quay Tower, Plaza,183 London Marsh E14 Wall, 9SR, phone London E14 9SR, 0845 phone or 1800) Details 4567). of the Details service of the offered service by the offered Financial by Ombudsman the Financial Service Ombudsman are available Service at are available at GENERAL 19.1 Any delay or failure exercise any right or remedy under this Agreement by us shall not be construed as a waiver of that right or remedy or preclude its exercise at any subsequent time If any provision of this Agreement is deemed unenforceable or illegal, the remaining provisions will continue in full force effect You may not assign or transfer any of your rights /or benefits under this Agreement you shall be the sole party the contract between us. You will remain liable until all Cards issued you are cancelled or have expired all sums due under this agreement has been paid by you in full. We may assign our rights benefits at any time without prior written notice you. We may subcontract any of our obligations under this Agreement No third party who is is not not a party a party this this Agreement has has a right a right enforce enforce any any of of the the provisions of of this Agreement, save that, MasterCard Clydesdale Bank International PLC, MasterCard Incorporated International its affiliates Incorporated may enforce their any respective provision of affiliates this Agreement may enforce which any confers provision a benefit of this or Agreement a right upon which them confers a person a benefit specified or a right in paragraph upon them 16.4 may a person enforce specified paragraph in paragraph may enforce paragraph This Agreement is governed by English law you agree 19.5 This the Agreement nonexclusive is jurisdiction governed by of the English courts law of Engl you agree Wales. the nonexclusive jurisdiction of the courts of Engl Wales. 20. CONTACTING CUSTOMER SERVICES 20.1 If have any questions, you can contact Cusmer Services 24/7 by phoning +44 (0) or by writing Cusmer Services at Virgin Prepaid Travel Money Card, PO Box 3883, Swindon SN3 9EA, or by ing Lost slen Card service is also available 24 hours a day on the Cusmer Services phone number. 21. CARDHOLDERS UNDER 18 YEARS OF AGE 21.1 Before applying, any applicant under 18 years of age should have obtained approval from a parent or guardian Cards must not be used for any purpose for which the Cardholder has not attained the minimum age e.g. gambling, adult entertainment, purchase of alcohol We will monir activity on Cards issued cusmers under 18 years of age. Any use of the Card which is considered be unlawful may result in the Account being suspended in accordance with paragraph if the activity continues We reserve the right request proof of age at any time. Failure provide proof of age may also result in the Account being suspended. 22. COMPENSATION 22.1 The Financial Services Compensation Scheme is not applicable for the Card. No other compensation schemes exist cover losses claimed in connection with the Card. We will however safeguard your funds so that if we become insolvent the e-money issued by us is protected _VM2775_07.13 VM2775_02.15

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