VIRGIN STOCKS & SHARES ISA CONDITIONS

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1 VIRGIN STOCKS & SHARES ISA CONDITIONS

2 1

3 PLEASE MAKE SURE YOU READ THESE CONDITIONS AS THEY CONTAIN INFORMATION YOU NEED TO KNOW This agreement is governed by the Individual Savings Account Regulations 1998 (the regulations) as amended from time to time and any other applicable regulations and laws. Virgin ISA literature and these Conditions are based on our understanding of relevant current law and Her Majesty s Revenue & Customs (HMRC) practice. Our literature will be updated from time to time. For the purposes of Financial Conduct Authority (FCA) regulations we assume you are a retail client. For further details, see paragraph 47. Appointment 1a You appoint Virgin Money Personal Financial Service Ltd as your stocks & shares ISA manager. 1b If you applied for a Virgin ISA before 6 April 2008 you appointed Virgin Money Personal Financial Service Ltd as your stocks & shares ISA manager. 1c If you applied for a Virgin PEP before 6 April 2008 you appointed Virgin Money Unit Trust Managers Ltd as your stocks & shares ISA manager under the regulations. Commencement 2 Your stocks & shares ISA will be set up after we receive your correctly completed application or instructions, and initial payment, or when all our requirements (such as identity checks) have been met, if later. Payments made for the purpose of investing in your ISA are also known as subscriptions. We do, however, have the right to refuse your application. 3a If you send us an application for any new tax year before the end of the current tax year, your money will be banked until the start of the new tax year, earning no interest. When the new tax year begins, we will invest your money into your stocks & shares ISA. 3b If your application for a stocks and shares ISA is received towards the end of a tax year and we are unable to complete the opening of it before the end of the tax year, your ability to open another stocks and shares ISA may be affected. To avoid this being a problem, we may set a deadline towards the end of each tax year by which time applications must be received by us to be processed during the current tax year. Cancellation 4 There is no cancellation period as you cannot cancel our stocks & shares ISA. Nor, if you are transferring all or part of a cash ISA into your stocks & shares ISA, is there any cancellation period. However, once your stocks & shares ISA is set up, you can withdraw your savings at any time. If we do this, we will sell the units in your ISA and send the payment to you. This could be more or less than the amount you invested. See paragraphs 11 to 18 of these Conditions. Payments into your ISA 5 If you are setting your ISA up over the phone or online, your first payment can be made by direct debit or debit card. If you are sending in a postal application, your first ISA payment can be made by cheque or direct debit. Top-up payments can be made by direct debit, debit card or cheque. Cheques must be made payable to Virgin Money and sent to us with a completed top-up form. 6 By signing the application form when you open your stocks & shares ISA, you agree that any payments into your ISA will buy investments for you. We will purchase investments for your stocks & shares ISA, even if your payment has not cleared. If your initial or top-up payment is made by cheque or direct debit and such items are returned unpaid (or, if you pay by debit card and it is not authorised), your application will be returned. In this situation we will sell your investments to cover the amount we invested on your behalf and you will be liable to us for any shortfall between the proceeds of sale and the amount we invested on your behalf. 7 Any direct debit we receive marked return to payer will not be re-presented. We will write to you to see what you want us to do next in these circumstances. 8 In each tax year you have an annual ISA allowance which is the maximum you can pay into an ISA in that year. You may also be entitled to an additional 2

4 ISA allowance, for example following the death of a spouse or civil partner. These allowances are set by HMRC regulations. You are able to make payments into a cash ISA and/or stocks and shares ISA in any combination you choose, provided that in total you do not pay in more than your ISA allowance(s) in that tax year. If you send us a payment that exceeds your ISA allowance(s) we will send the excess back to you or, where you have sent us a cheque, we may return the whole cheque to you without accepting any payment. For details of the current tax year s ISA allowances please visit virginmoney.com 9 The minimum you can pay into the Virgin Climate Change Fund by lump sum is an initial payment of 500, then 100 after that. The minimum you can pay in by monthly direct debit is 50. The minimum you can pay into our other funds is 1. You can change your regular direct debit payment over the phone or by sending us a completed payment form. Where we invest your money 10 Payments into the Virgin Stocks & Shares ISA are invested in accordance with your application in units in one or more of the Virgin authorised unit trusts. Withdrawals and transfers out 11 You may withdraw some or all of your money at any time by sending us your written instructions. You can also withdraw money by telephone or online using your security details. The minimum withdrawal amount for ISA investments in the Virgin Climate Change Fund is 50, or your total holding if less. For our other funds, it is 1, or your total holding if less. Payment will be made by cheque payable to you. 12 Telephone or online service requests received before 5pm will start to be processed the same business day, and if received after 5pm will be started the next business day. Withdrawals are only processed on business days. 13 Units will be sold on the business day we receive your instructions. Instructions received after 5pm will be started the following business day. We will send your payment the following business day. This applies to withdrawals (provided we receive everything we need to complete the transaction, including any outstanding verification information required). 14 You may write to us at any time and request we transfer your ISA to another cash or stocks & shares ISA manager, and ask us to complete the transfer by a certain date. The transfer will be made by that date, subject to allowing us a reasonable period (not exceeding 30 days) for us to carry out your request. Once we have agreed the terms of your transfer with your new ISA manager, we will sell your units on that business day and will pay the proceeds to the new manager on the following business day. 15 Every six months just before what is known as the ex-dividend date, we work out the income earned by investments. Any money you withdraw by selling units before an ex-dividend date won t qualify for investment income in the six months leading up to that ex-dividend date. > The ex-dividend dates for the Virgin UK Index Tracking Trust are 16 March and 16 September. > For the Virgin Income Trust they are 2 April and 2 October. > For the Virgin Climate Change Fund they are 1 April and 1 October. > For the Virgin Bond, Gilt and UK Share Fund, the Virgin Bond, Gilt, UK and Overseas Share Fund and the Virgin Global Share Fund, they are 1 February and 1 August. 16 Payments into your ISA must be allowed to clear before you can make a withdrawal. This can take up to 10 business days. 17 Once you have withdrawn or transferred out all your money, there may be small amounts of dividend payments or interest which should be credited to you. These will be forwarded to you within six months of your withdrawal. 18 For the Virgin UK Index Tracking Trust and the Virgin Income Trust, if on any given day total withdrawals from the underlying unit trust are greater than total new business, the price at which we are able to sell investments in the trust will be different from the price at which we are able to buy them. In these circumstances the unit price applying to your withdrawal may, 3

5 at our discretion, be that at which the trust s investments can be sold. This is called the cancellation price of the units. Payment on death 19 If you die, the full value of your ISA will be paid to your estate. From the date of your death your ISA will no longer qualify for tax exemption under the regulations and your estate may be subject to inheritance tax. 20 Units in your ISA will have their tax-friendly status removed on receipt of your death certificate or its equivalent and will take effect from the date of death. The proceeds will then be paid to your legal personal representatives within one business day of receiving the Grant of Probate or appropriate legal confirmation. Termination 21 We will notify you if, as a result of any failure to comply with the regulations, your ISA is or will become no longer exempt from tax. 22 We reserve the right to close any ISA which has a total value of less than 50 and to which no subscriptions have been made in the preceding 24 months. 23 We have the right to terminate your ISA after giving you 30 days written notice if we intend to stop acting as manager of your ISA, or as an ISA manager generally. 24 We are obliged to terminate your ISA immediately having given you written notice if we are of the opinion that it is impossible to administer it in accordance with the regulations or you notify us that you are no longer eligible to have an ISA. 25 Your ISA will only be terminated when all outstanding transactions have been satisfactorily completed. Keeping you informed 26 We will send you confirmation of any payments, switches, transfers or withdrawals. These will be sent on the business day following us carrying out your instructions. 27 Twice a year on 1 February and 1 August we will produce a statement showing the value of your ISA units at the current selling price and all transactions in the six months since your previous statement. 28 We will send notices and other correspondence to the address given in your application or any new address you tell us about. 29a We are able to change the terms of this agreement if there is a valid reason for doing so. This might happen if we wish to account for changes in law or regulation or industry practice which raises standards of consumer protection, to reflect changes in our practices (including changes arising from a reorganisation of our business) or to correct a mistake. 29b Where we wish to make a change to the terms of this agreement we will write to you explaining what is happening. If the change is to your disadvantage you will be made aware of the change and it will come into effect no sooner than one month after we have done so. If you do not wish to accept the change, you may transfer or close your stocks & shares ISA without any additional charge or interest before the change comes into effect. If there is no negative impact, we will write to inform you of the change as soon as is practicable after the event. If you do not transfer or close your stocks & shares ISA you will have accepted the change. Complaints 30 Virgin Money s complaint handling procedures are available on request. 31 If you feel there is cause to complain please write to us at Virgin Money, PO Box 9522, Chelmsford CM99 2AB or call us on with full details. If we are unable to resolve your complaint, you can contact The Financial Ombudsman Service by writing to them at Exchange Tower, London E14 9SR. Alternatively, you can call free phone , or visit their website at This will not affect your right to take legal action. Security 32 We will provide you with a VIR number (which acts as your account number) when you first open your stocks 4

6 5 & shares ISA. You will then need to register online to receive an internet ID code and a PIN (personal identification number) to access the online service. The internet ID will be provided to you when you first register online and the PIN will be sent to you by post. 33 You must contact us on as soon as you can if you do not receive your stocks & shares ISA details, internet ID, or PIN within 14 days of request. A delay of this length suggests that your details may have become lost and we will need to replace them. 34 You must take all reasonable steps to keep safe and confidential any stocks & shares ISA details we provide to you. You must never write them down in a way which could be understood by someone else. You must never disclose your stocks & shares ISA details to anyone, except to us when we need to verify your identity. 35 If any of your stocks & shares ISA details are lost, stolen, misused, used without authorisation or you believe that they may have become known to another person, you must call us immediately to let us know on This will allow us to disable the existing details and issue new ones to you. 36 In order to keep your stocks & shares ISA details safe you should always keep them secret, access the online service directly from myvirginmoney.com, do not use an or other website link to take you to our online service, and keep the computer you use to access the online service secure and free from viruses and spyware. 37 Virgin Money will never contact you by or by an unsolicited call and ask you for your stocks & shares ISA and/or security details. If you are contacted by or a cold caller and asked to provide this information, please do not respond to it and contact us on to let us know. General 38a To invest in a stocks & shares ISA, you must be 18 years old or over and resident in the UK or otherwise eligible (e.g. a Crown employee) according to the regulations. You cannot hold your ISA on behalf of someone else and the ISA may not be opened as a joint account. 38b If you tell us during a tax year that you were not resident in the UK, all subscriptions you made in that year will be removed (voided) from your ISA. 39 You authorise us to provide HMRC with all relevant information about your ISA and its investments. 40 At your request we will transfer the value of all or part of your ISA to another cash or stocks & shares ISA manager who is willing to accept it, without loss of tax relief in accordance with the regulations. If you only have current tax year subscriptions in your ISA, then the entire account must be transferred. See paragraph 14 for further information about transferring your ISA. 41 If you ask us to transfer title of your units held by us or our nominee company, Virgin Nominees Ltd, to another person, provided we may lawfully do this, we will carry out your request within five working days. 42 The administration of your ISA will be carried out by us or any other company appointed by us for this purpose subject to us being satisfied of their competence. 43 Virgin Money Personal Financial Service Limited and Virgin Money Unit Trust Managers Limited are regulated by the Financial Conduct Authority 25 The North Colonnade, Canary Wharf, London E14 5HS in the conduct of their investment business, Financial Conduct Authority registered numbers & respectively. 44 You should send any notices or instructions to us at Virgin Money, PO Box 9522, Chelmsford CM99 2AB. 45 Our relationship with you and and any contract between us is subject to English law. By taking out a Virgin ISA you agree to submit to the exclusive jurisdiction of courts in the United Kingdom if there is ever a dispute between us. This contract and all future communications will be written in English. 46 Our conflicts of interest policy details any potential conflicts of interest between Virgin Money and its customers, and between individual Virgin Money customers. An example of a conflict of interest would be

7 where Virgin Money has a financial incentive to favour one customer over the interests of other customers. The activities, culture and organisation of Virgin Money make the risk of detrimental conflicts of interest extremely low. However, should they arise, our policy requires any such conflict to be immediately disclosed to customers, and all necessary steps taken to minimise such risks. A copy of the full policy is available on request. 47 We are obliged under the Financial Conduct Authority regulations to consider various execution factors in deciding how best to execute a client order. These include price, cost, speed, likelihood of execution and settlement, size, nature and other relevant matters. As you are a retail client we will consider price to be the most important factor for you. However, in practice Virgin Money Unit Trust Managers Ltd is the only execution venue that we use to deal with your orders, as we do not believe that using third party trading platforms to execute your orders would obtain the best outcome for you. By going directly to the operator, we can always be sure that units will be available to fulfil your orders. We will only carry out instructions in line with this policy. By giving us instructions, you agree that you accept this best execution policy and give your consent to our executing orders outside regulated markets or multilateral trading facilities. Please note that if you ask us to carry out your instructions in a different manner, we may not be able to obtain the best possible result for you. We will monitor the effectiveness of our order execution policy and implement any necessary changes if any when required, notifying you of any material changes relevant to you. 48 We will not assess the suitability or appropriateness for you of any transactions carried out for you or services provided to you and you will not benefit from the Financial Conduct Authority s regulations on assessing suitability and appropriateness. If you have any doubt on the suitability of this product you should seek independent financial advice. Client Assets 49 Our unit trusts are managed by Virgin Money Unit Trust Managers Ltd (VMUTM) and we buy and sell units with VMUTM on your behalf. Units are registered in the name of our nominee, Virgin Money Nominees Limited, but you remain the beneficial owner. Although you are the beneficial owner, we, or another party directed by us, will hold share certificates and other important information about your ISA investments on your behalf. 50 We retain full responsibility for all acts or omissions of Virgin Money Nominees Limited. 51 In the unlikely event of the insolvency of Virgin Money Nominees Limited, unit holders would have no obligations in respect of any liabilities of that company. We would take over all functions carried out by them. There is no risk that your investment may not be separately identifiable from Virgin Money Nominees Limited s own investments as they do not make investments on their own behalf. 52 Your units are registered collectively in an omnibus account in the name of Virgin Money Nominees Limited and, although the amount of your holding is recorded and separately identified by us, your entitlement may not be identifiable by separate documents or certificates of title. 53 The steps we take to ensure protection of units held by Virgin Money Nominees Limited include regular reconciliation of individual customers units to the total nominee holding, compliance monitoring and external audits. If we identify a discrepancy in the units registered in the name of Virgin Money Nominees Limited we will take all reasonable steps to investigate the discrepancy and resolve it. Where the discrepancy consists of a shortfall in the units held by Virgin Money Nominees Limited we will appropriate a sufficient amount of our own money to cover the value of the shortfall and hold that money for the benefit of the relevant client(s) under the FCA s Client Money rules until the discrepancy is resolved. During the investigation process we will notify you of the situation if we consider it is appropriate. If, following the investigation into the discrepancy, we or our nominee are found to not be responsible for the shortfall, the shortfall may be shared pro rata among all participants whose investments are so registered. See also paragraph 65 for details of the Financial Services Compensation Scheme. 54 Money that we receive from you pending investment in one of our funds, or money that is due to you (for example, following the sale of your 6

8 7 units) (Client Money) will be held in a client money account with Lloyds Bank Plc or Royal Bank of Scotland Plc which are both UK authorised banks. Your Client Money will not earn any interest and will be held in a trust account separate from any account holding money which belongs to Virgin Money. We will not be responsible for any acts or omissions of the bank holding your Client Money. If that bank became insolvent, an insolvency practitioner would be appointed to repay your Client Money. If that bank was unable to repay all of its creditors, any shortfall would be shared pro rata between all customers. Security and voting 55 You may not use your ISA as security for a loan although it may be used as a means of repaying a loan. 56 If you wish to attend unit holder meetings, vote at these meetings or receive unit trust information, including the unit trust report and accounts, please contact us. Benefits 57 There is no income distributed from the Virgin Climate Change Fund. We will receive income from all our other funds. This income will be credited to your ISA if you are invested in these funds. 58 You authorise us to reclaim any tax from HMRC and credit it to your ISA. Tax benefits depend on individual circumstances and may change. Liabilities 59 The value of your units can go down as well as up and this investment risk is yours. We are responsible for any loss incurred by you as a result of negligence, wilful default or fraud by us or our nominee. However, we are not liable for any indirect loss or losses we could not reasonably have foreseen, or for any loss or liability arising other than as a result of our negligence, wilful default or fraud, or breach of the Regulations or the Financial Conduct Authority regulations. Unit pricing 60 There is one price quoted for the buying and selling of units. This price is calculated every business day by dividing the total value of the assets in the unit trust by the number of units in existence. For all Virgin Unit Trusts, the unit price may be subject to some adjustment to take into account the dealing costs of buying and selling the underlying investments. For the Virgin Climate Change Fund, the Virgin Bond, Gilt and UK Share Fund, the Virgin Bond, Gilt, UK and Overseas Share Fund and the Virgin Global Share Fund this is known as a dilution levy. Please see the full prospectus of each fund for further information. Unit prices can be found on our website virginmoney.com and are also published in the Financial Times. 61 When we buy or sell units for you they are pooled with those of other investors. The Financial Conduct Authority rules require us to tell you that this may result in a less favourable unit price than if your units had been bought or sold separately. Switching your investment 62 You can switch your stocks & shares investment over the phone, online or by sending us a completed switch form. We will sell units held in your stocks & shares ISA on the business day we receive your instructions. On the same day they are sold we will use the proceeds to buy units in another unit trust of your choice within the Virgin ISA range. Instructions received after 5pm will be processed the following business day. Minimum investment amounts on switching 63 The minimum you can switch into the Virgin Climate Change Fund is an initial payment of 500 then 100 after that. If you are already saving monthly into the Virgin Climate Change Fund, the minimum initial amount for switching in a lump sum drops to 100. The minimum amount for switching out of the Virgin Climate Change Fund is 50, or your total holding if less. For all our other funds, the minimum amount you can switch between funds is 1. Compensation 64 For the purposes of Financial Conduct Authority regulations we have categorised you as a retail client, which should give you rights under the Financial Ombudsman Service. If you are not an eligible complainant you may not necessarily have the same rights.

9 65 Under the Financial Services and Markets Act 2000, if we cannot meet any claim payment, you may get compensation under the Financial Services Compensation Scheme. Payments under the scheme are limited to 100% of the first 50,000. If you would like more information, visit the Financial Services Compensation Scheme website at call: or or fax: Investing in the Virgin Bond and Gilt Fund 66 Your subscriptions will be used to buy units in the Virgin Income Trust on the same business day we receive them, though if we receive your instructions after 5pm we will buy units for you the following business day. 67 If you have chosen to have the income generated by your bonds and gilts reinvested, all income and tax reclaims will be treated as cleared funds and used to buy units in the Virgin Income Trust within 1 business day of receipt. 68 If you have chosen to have any income from your units paid to a bank or building society account held in your name, payments will be made on, or shortly before, 1 June and 1 December. If you decide to stop or start receiving income payments, you must let us know at least two weeks in advance of the next payment date. 69 The only ongoing charge is an annual management fee in the Virgin Income Trust of 1% per annum of the value of the unit trust, calculated and deducted daily from the fund. Remember, the value of your investments can go down as well as up and you may get back less than you invest. Investing in the Virgin Bond, Gilt and UK Share Fund 70 Your subscriptions will be used to buy units in the Virgin Bond, Gilt & UK Share Fund on the same business day we receive them, though if we receive your instructions after 5pm we will buy units for you the following business day. 71 If you have chosen to have the income generated by your fund reinvested, all income and tax reclaims will be treated as cleared funds and used to buy units in the Virgin Bond, Gilt & UK Share Fund within 1 business day of receipt. 72 If you have chosen to have any income from your units paid to a bank or building society account held in your name, payments will be made on, or shortly before, 31 March and 30 September. If you decide to stop or start receiving income payments, you must let us know at least two weeks in advance of the next payment date. 73 The only ongoing charge is an annual management fee in the Virgin Bond, Gilt & UK Share Fund of 1% per annum of the value of the unit trust, calculated and deducted daily from the fund. Remember, the value of your investments can go down as well as up and you may get back less than you invest. Investing in the Virgin Bond, Gilt, UK & Overseas Share Fund 74 Your subscriptions will be used to buy units in the Virgin Bond, Gilt, UK & Overseas Share Fund on the same business day we receive them, though if we receive your instructions after 5pm we will buy units for you the following business day. 75 If you have chosen to have the income generated by your fund reinvested, all income and tax reclaims will be treated as cleared funds and used to buy units in the Virgin Bond, Gilt, UK & Overseas Share Fund within 1 business day of receipt. 76 If you have chosen to have any income from your units paid to a bank or building society account held in your name, payments will be made on, or shortly before, 31 March and 30 September. If you decide to stop or start receiving income payments, you must let us know at least two weeks in advance of the next payment date. 77 The only ongoing charge is an annual management fee in the Virgin Bond, Gilt, UK & Overseas Share Fund 8

10 of 1% per annum of the value of the unit trust, calculated and deducted daily from the fund. Remember, the value of your investments can go down as well as up and you may get back less than you invest. Investing in the Virgin UK FTSE All-Share Fund 78 Your subscriptions will be credited to your stocks & shares ISA on the business day we receive them and will be used to buy units in the Virgin UK Index Tracking Trust on that day. Subscriptions received after 5pm will be processed the following business day. 79 If you have chosen to have the income generated by your fund reinvested, all income and tax reclaims will be treated as cleared funds and used to buy units in the Virgin UK FTSE All-Share Fund within 1 business day of receipt. 80 If you have chosen to have any income from your units paid to a bank or building society account held in your name, payments will be made on, or shortly before, 15 May and 15 November. 81 The only ongoing charge is a management fee in the Virgin UK Index Tracking Trust. This is 1% per annum of the value of the unit trust, calculated and deducted daily from the income of the trust. Remember, the value of your investments can go down as well as up and you may get back less than you invest. FTSE, is a trade mark jointly owned by the London Stock Exchange Plc and The Financial Times Limited and is used by FTSE International Limited under licence. For a full explanation of this trade mark, see the back cover. Investing in the Virgin Global Share Fund 82 Your subscriptions will be used to buy units in the Virgin Global Share Fund on the same business day we receive them, though if we receive your instructions after 5pm we will buy units for you the following business day. 83 If you have chosen to have the income generated by your fund reinvested, all income and tax reclaims will be treated as cleared funds and used to buy units in the Virgin Global Share Fund within 1 business day of receipt. 84 If you have chosen to have any income from your units paid to a bank or building society account held in your name, payments will be made on, or shortly before, 31 March and 30 September. If you decide to stop or start receiving income payments, you must let us know at least two weeks in advance of the next payment date. 85 The only ongoing charge is an annual management fee in the Virgin Global Share Fund of 1% per annum of the value of the unit trust, calculated and deducted daily from the fund. Remember, the value of your investments can go down as well as up and you may get back less than you invest. Investing in the Virgin Climate Change Fund 86 Your subscriptions will be credited to your ISA on the business day we receive them and will be used to buy units in the Virgin Climate Change Fund on that day. Subscriptions received after 5pm will be processed the following business day. 87 Investment income earned is reinvested and automatically reflected in the value of your units. 88 The ongoing charges figure of the Virgin Climate Change Fund is 1.90%. This includes an annual management fee of 1.75% per annum of the value of the unit trust, calculated and deducted daily from the Fund. The ongoing charges also include fees to cover trustees, auditors, registration and legal expenses. For up to date details of the Ongoing Charges Figure, please see the Key Investor Information for the Virgin Climate Change Fund. 89 A performance fee may also apply if the Fund outperforms agreed benchmarks. The performance fee is 20% of the out-performance achieved. For full details of the performance fee please see the Key Investor Information for the Virgin Climate Change Fund. 9

11 Remember, the value of your investments can go down as well as up and you may get back less than you invest. Investing in a stocks & shares ISA 90 There are no additional charges applied when investing through an ISA into any of our funds. Transferring in from another ISA 91 You can transfer all or part of any previous tax year s cash and/or stocks and shares ISA into your stocks & shares ISA. If transferring from a current tax year cash and/or stocks and shares ISA, the full tax year value must be transferred. Transfer of business 92 If we decide to transfer part or all of our business to another person (such as another regulated firm), and that transfer includes Client Money that we hold for you, we may transfer any such Client Money to that receiving person in accordance with the FCA s client money rules. 93 If the person receiving your transferred money is not subject to the FCA s client money rules, we will exercise all due skill, care and diligence in assessing whether that person will apply adequate measures to protect your transferred money. 94 If the transferred amount is 25 or less, that money may no longer be protected under the FCA s client money rules by the receiving person. 95 We will notify you no later than seven days after such a transfer takes place to let you know: > If your transferred money will be held by the receiving person in accordance with the FCA s client money rules or, if not, how it will be held; > The extent to which the transferred sums will be protected under a compensation scheme (such as the Financial Services Compensation Scheme); and > That you may contact the receiving person to request that the transferred sum is returned to you as soon as practicable. 10

12 FTSE is a trade mark of the London Stock Exchange Plc and The Financial Times Limited and is used by FTSE International Limited under licence. All-Share is a trademark of FTSE International Limited. The FTSE All-Share Index is calculated by FTSE International Limited. Virgin Money Personal Financial Service Limited and Virgin Money Unit Trust Managers Limited have obtained full licence from FTSE International Limited to use such copyright in the creation of this product. FTSE International Limited does not sponsor, endorse or promote this product. The Virgin Stocks and Shares ISA is provided by Virgin Money Personal Financial Service Ltd - Registered in England and Wales (Company No: ). Registered Office: Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Authorised and regulated by the Financial Conduct Authority. The ISA Manager is Virgin Money Personal Financial Service Ltd who also promotes the unit trusts provided by Virgin Money Unit Trust Managers Ltd which are held in the Virgin Stocks & Shares ISA. Calls use inclusive minutes if available as part of your phone package. If not, they cost no more than a national rate call to an 01 or 02 number. Calls may be monitored and recorded. The information contained in this brochure is correct as at July ISA51_07.15 FSC C003009

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