1

Online Cash ISA Power of Attorney Application FormPlease complete all missing information using BLACK INK and BLOCK CAPITALS

Please read these notes before you fill in this formbull The account will be operated strictly in accordance with the instructions confirmed within the Power of Attorney

documentbull The Power of Attorney document must accompany the application This must be the original copy or original solicitor

certified copybull The account must be for the donorrsquos personal use ndash not for or on behalf of a business charity club or associationbull The funds must belong to the donorbull The donor must be 18 or over (16 or over if yoursquore making a Scottish Power of Attorney) All attorneys must be 18 years or

overbull For legal reasons we must check the identity of all attorneys if they do not have an account with Virgin Money already

(see below) Please note we will also need to check the identity of the donorbull The account can only be operated by post via Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

Virgin Money is obliged to confirm the identity of all investors Please refer to the lsquoConfirmation of identityrsquo form within the Helpful information section of the Savings homepage at virginmoneycom or contact us for further information

I wish to open a Cash ISA for the tax year 6 April 2020 to 5 April 2021 and to contribute to it for each subsequent year until further notice (subject to the terms and conditions of the account) Note this is an option and not an obligation

Which account are you applying for Please write the name of the account you wish to apply for

Please write the issue number of the account you wish to apply for

Our Fixed Rate Cash E-ISAs only allow deposits up to 30 days after the account is opened therefore if you wish to add to your Cash ISA every tax year they are not suitable

Personal details DonorIn line with HM Revenue amp Customs regulations any changes to this application form must be initialled

Title Surname

Forename(s) Date of birth

D D M M Y Y Y Y

Donor residential address

Postcode

Date moved to current address

M M Y Y Y Y

Email

Home phone number (inc area code) Other phone number

2

Nationality Dual nationality 1 Dual nationality 2

Country of birth

Country of citizenship 1 Country of citizenship 2 Country of citizenship 3

Gender

M F

Employment status

Full-time Part-time Self Employed Contractor Homemaker

On benefits Unemployed Student Retired

Other

Occupation

Do you have a National Insurance number (Please place a 3 in the box)

Yes No

If you have a National Insurance number it must be entered to comply with HM Revenue amp Customs requirements

You should be able to find your National Insurance number on a payslip forms P45 or P60 a letter from HM Revenue amp Customs a letter from the DWP or pension order book

Where are you resident for tax purposes Please place a 3 in one box only

For example if yoursquore a US citizen or resident please select lsquoUK and another countryrsquo and enter lsquoUnited Statesrsquo within lsquoCountry of tax residencyrsquo

United Kingdom only (if marked with a 3 go to the next section) United Kingdom and another country

If applicable please list up to two additional countries in which you are tax resident outside the United Kingdom along with the corresponding Tax Identification Number (TIN)Tax Reference Number

Country of tax residency Tax Identification Number (TIN)Tax Reference Number

Country of tax residency Tax Identification Number (TIN)Tax Reference Number

If you already have a Virgin Money Savings Account please provide the account number in this box

How will the account be funded

SalaryPension Transfers from other accounts in your name FamilyGift

Inheritance Current savings Sale of property Investment income

GamblingLottery win Benefits Student LoanGrant Rental income

Other

3

1st AttorneyIn line with HM Revenue amp Customs regulations any changes to this application form must be initialled

Title Surname

Forename(s) Date of birth

D D M M Y Y Y Y

Address

Postcode

Home phone number (inc area code) Other phone number

If you already have a Virgin Money Savings Account please provide the account number in this box

2nd AttorneyIn line with HM Revenue amp Customs regulations any changes to this application form must be initialled

Title Surname

Forename(s) Date of birth

D D M M Y Y Y Y

Address

Postcode

Home phone number (inc area code) Other phone number

If you already have a Virgin Money Savings Account please provide the account number in this box

3rd AttorneyIn line with HM Revenue amp Customs regulations any changes to this application form must be initialled

Title Surname

Forename(s) Date of birth

D D M M Y Y Y Y

Address

Postcode

4

Home phone number (inc area code) Other phone number

If you already have a Virgin Money Savings Account please provide the account number in this box

Nominated bank accountAll withdrawals from the E-ISA must be sent to a nominated bank account This account must be suitable for receipt of electronic payments (ie a Current Account) Bank or building society deposit type accounts cannot be used as the nominated account Please check with the bank or building society that they are able to accept electronic payments Please advise us of the details of the account you wish to use

This must be an account in the name of the donor

Payeersquos name Payeersquos reference (if applicable) Bankrsquos name Bankrsquos branch Sort code Account number

I wish to apply for a Cash ISAPlease indicate below how you wish to open your Cash ISA by placing an lsquoXrsquo in the relevant box(es)

By cash (Store only) pound

Please confirm the amount

By cheque pound

Please confirm the amount

Please make cheques payable to ldquoVirgin Money for the account of (insert account holder name(s))rdquo and crossed ldquoAc Payee onlyrdquo

By transfer from an existing Account number Virgin Money account in the donorrsquos name Please ensure that the Power of Attorney document and

if applicable the existing passbook(s) are enclosed

pound

Please confirm the transfer amount (to transfer the

balance in full write ldquoTO CLOSErdquo)

Any closing interest will normally be added to the transfer amount

Alternatively place a 3 inside this box to receive your closing interest by cheque The terms and conditions any notice period and other withdrawal restrictions applicable to your existing account may apply

By transfer from an existing ISA with another provider Please ensure you complete and return a separate ISA Transfer Authority Form for each ISA you wish to transfer

5

How do you want your interest to be paidPlease complete one option only by placing a 3 inside the box If you make a mistake fill the entire box and mark the correct box

Added to Annually this account

Monthly

To another Annually Account number Virgin Money

Monthly account in the name of the donor

To the donorrsquos Annuallybankbuilding Monthly society account

Payeersquos name Payeersquos reference (if applicable) Bankrsquos name Bankrsquos branch Sort code Account number

How we use your personal informationHerersquos a summary of how your information may be used and shared by Clydesdale Bank PLC (trading as Virgin Money)

For further details including how your information may also be used by fraud prevention agencies and credit reference agencies together with your data protection rights please see our website at virginmoneycomprivacy or visit any of our Stores

Using your information

The personal information you give us or that we collect or create will be used in a number of ways throughout the time yoursquore a Virgin Money customer Wersquoll use it to

bull Check your identity and eligibility for this account

bull Manage your account and your relationship with us

bull Prevent financial crime and the funding of terrorism

bull Improve our services and computer systems

bull Identify other products and services that you may find useful (But wersquoll only contact you if yoursquore happy to hear from us)

bull Manage and organise our business

The information we ask for when you apply for this account is used to

bull Check your identity and eligibility for this account

bull Manage your account and relationship with us

bull Prevent financial crime and the funding of terrorism

You donrsquot have to give us any of this information but if you donrsquot provide all of it we wonrsquot be able to deal with your application

Sharing your information

Wersquoll regularly share your information with credit reference agencies We do this to check your identity and eligibility for this account

Wersquoll also share your information with fraud prevention agencies who will use it to prevent and detect fraud and money-laundering and to verify your identity If fraud is detected you could be refused certain services finance or employment We and fraud prevention agencies may also allow law enforcement agencies to access and use your information to detect investigate and prevent crime

6

Both credit reference and fraud prevention agencies may link your information to the information of a joint applicant spouse or other financial associates

Where we need to wersquoll share information with UK or overseas tax authorities We may also share information within our group of companies or with our commercial partners Some information will be held and used outside the European Economic Area (EEA)

For details of the credit reference and fraud prevention agencies we use and the companies within our group please see our website at virginmoneycomprivacy or visit any of our Stores

Holding your information and your rights

Wersquoll hold your information for as long as necessary to manage your relationship with us and to meet our legal and regulatory obligations

You can always ask for a copy of any information we hold about you And if you spot any errors wersquoll correct them You may also be able to ask us for some or all of your information to be deleted or to limit the way we use it Full details of all of your rights can be found on our website at virginmoneycomprivacy or by visiting any of our Stores

If yoursquore unhappy with the way wersquore using your information please talk to us so we can try to sort it out If this doesnrsquot fix it you can write to our Data Protection Officer at Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL or contact the Information Commissioners Office (ICO) The ICO is the UKrsquos independent body set up to make sure organisations handle your information correctly Yoursquoll find further details including how to contact the ICO at icoorguk

You declare that you are entitled to disclose information about all joint applicants andor anyone else referred to by you

If false or inaccurate information is provided and fraud is identified details will be shared with fraud prevention agencies and this information may be accessed and used by law enforcement to prevent fraud and money laundering

DeclarationIf there is more than one attorney all must read and sign this declaration if the donor is able to sign heshe should also read and sign this declaration The attorney(s) are signing on behalf of the donor

I declare that

bull All subscriptions made and to be made belong to me

bull I am 16 years of age or over

bull I have not subscribed and will not subscribe more than the overall subscription limit in total to a Cash ISA a Stocks and Shares ISA an Innovative Finance ISA and a Lifetime ISA in the same tax year

bull I have not subscribed and will not subscribe to another Cash ISA in the same tax year that I subscribe to this Cash ISA

bull I am resident in the United Kingdom for tax purposes or if not so resident either perform duties which by virtue of Section 28 of Income Tax (Earnings and Pensions) Act 2003 (Crown Employees Serving Overseas) are treated as being performed in the United Kingdom or I am married to or in a civil partnership with a person who performs such duties I will inform Virgin Money if I cease to be so resident or to perform such duties or be married to or in a civil partnership with a person who performs such duties

bull I confirm I have read the literature for this account and agree to be bound by the terms and conditions of this account

I authorise Virgin Money

bull To hold my cash subscriptions and any interest earned on those subscriptions

bull To make on my behalf any claims to relief from tax in respect of ISA investments

Statements

bull IWe understand that funds withdrawn will be used for the purpose for which the Power of Attorney is granted

bull IWe request that Virgin Money open an account in the name detailed above in accordance with the terms and conditions and that the account is administered according to the details given above I hereby declare that this investment is made in accordance with the appropriate declaration above

7

Financial Services Compensation Scheme (FSCS) declarationI have received and read the Financial Services Compensation Scheme booklet which contains an Information sheet and Exclusions list and provides details of the protection provided by the FSCS

I DECLARE THAT THIS FORM HAS BEEN COMPLETED TO THE BEST OF MY KNOWLEDGE AND BELIEFWARNING ndash FALSE STATEMENT INFORMATION MAY RESULT IN PENALTIES OR PROSECUTION

ConfirmationPlease sign to confirm you have read and agree to the lsquoUsing your personal informationrsquo and lsquoDeclarationrsquo sections above

Donor signature (if able to sign) 1st Attorney signature

Date signed Date signed

D D M M Y Y Y Y

D D M M Y Y Y Y

2nd Attorney signature 3rd Attorney signature

Date signed Date signed

D D M M Y Y Y Y

D D M M Y Y Y Y

Confirmation of identity

Virgin Money takes suitable steps to check the identity of its investors and may telephone to confirm application details We regret that it will not be possible to open an account unless suitable proof of identity is provided ndash funds will be returned if suitable proof of identity is not provided

Can I get this in a different format

Of course If you need this in another format (eg braille large print or audio) please just let us know

bull By email disabilityawarenessvirginmoneycom

bull By phone 0191 279 5300

Finding things tough to get your head around

Donrsquot worry we know it isnrsquot easy Wersquore happy to take a bit more time to explain things if that would help Just contact us on 0345 600 7301 and chat to one of our team

Please return this form to Operations Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

8

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

VM22339V7

For office use only

Customer number

Account number

NA45 NA45 (Ex) NA46 NA46 (Ex) NA47 NA47 (Ex) NA59 NA59 (Ex) NA03 (Ex) OP03

Date rec amp reg Input checked

Cashier Code

Date

Cheque Sort code Account number

1

2

For office and store use only

The Financial Services Compensation Scheme Information sheet and Exclusions list

Clydesdale Bank PLC is covered by the Financial Services Compensation Scheme (FSCS)

To help you understand the protection the scheme offers this booklet contains details provided by the Prudential Regulation Authority Please read the Information sheet on pages 2 and 3 carefully

The scheme does have a small number of exclusions and these are listed on page 4

Information sheet

Basic information about the protection of your eligible deposits

Eligible deposits in Clydesdale Bank PLC the Financial Services Compensation Scheme are protected by (ldquoFSCSrdquo)1

Limit of protection pound85000 per depositor per bankbuilding society credit union2

The following trading names are part of your bank building societycredit union

Clydesdale Bank Yorkshire Bank Virgin Money

If you have more eligible deposits at the All your eligible deposits at the same bankbuilding same bankbuilding societycredit union societycredit union are ldquoaggregatedrdquo and the total

is subject to the limit of pound850002

If you have a joint account with The limit of pound85000 applies to each depositor other person(s) separately3

Reimbursement period in case of bank 20 working days4

building societycredit unionrsquos failure

Currency of reimbursement Pound sterling (GBP pound) or for branches of UK banks operating in other EEA Member States the currency of that State

To contact Virgin Money for enquiries relating to your account

To contact the FSCS for further information on compensation

Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

Tel 0345 600 7301

Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU

Tel 0800 678 1100 or 020 7741 4100

Email ICTfscsorguk

More information httpwwwfscsorguk

2

Nationality Dual nationality 1 Dual nationality 2

Country of birth

Country of citizenship 1 Country of citizenship 2 Country of citizenship 3

Gender

M F

Employment status

Full-time Part-time Self Employed Contractor Homemaker

On benefits Unemployed Student Retired

Other

Occupation

Do you have a National Insurance number (Please place a 3 in the box)

Yes No

If you have a National Insurance number it must be entered to comply with HM Revenue amp Customs requirements

You should be able to find your National Insurance number on a payslip forms P45 or P60 a letter from HM Revenue amp Customs a letter from the DWP or pension order book

Where are you resident for tax purposes Please place a 3 in one box only

For example if yoursquore a US citizen or resident please select lsquoUK and another countryrsquo and enter lsquoUnited Statesrsquo within lsquoCountry of tax residencyrsquo

United Kingdom only (if marked with a 3 go to the next section) United Kingdom and another country

If applicable please list up to two additional countries in which you are tax resident outside the United Kingdom along with the corresponding Tax Identification Number (TIN)Tax Reference Number

Country of tax residency Tax Identification Number (TIN)Tax Reference Number

Country of tax residency Tax Identification Number (TIN)Tax Reference Number

If you already have a Virgin Money Savings Account please provide the account number in this box

How will the account be funded

SalaryPension Transfers from other accounts in your name FamilyGift

Inheritance Current savings Sale of property Investment income

GamblingLottery win Benefits Student LoanGrant Rental income

Other

3

1st AttorneyIn line with HM Revenue amp Customs regulations any changes to this application form must be initialled

Title Surname

Forename(s) Date of birth

D D M M Y Y Y Y

Address

Postcode

Home phone number (inc area code) Other phone number

If you already have a Virgin Money Savings Account please provide the account number in this box

2nd AttorneyIn line with HM Revenue amp Customs regulations any changes to this application form must be initialled

Title Surname

Forename(s) Date of birth

D D M M Y Y Y Y

Address

Postcode

Home phone number (inc area code) Other phone number

If you already have a Virgin Money Savings Account please provide the account number in this box

3rd AttorneyIn line with HM Revenue amp Customs regulations any changes to this application form must be initialled

Title Surname

Forename(s) Date of birth

D D M M Y Y Y Y

Address

Postcode

4

Home phone number (inc area code) Other phone number

If you already have a Virgin Money Savings Account please provide the account number in this box

Nominated bank accountAll withdrawals from the E-ISA must be sent to a nominated bank account This account must be suitable for receipt of electronic payments (ie a Current Account) Bank or building society deposit type accounts cannot be used as the nominated account Please check with the bank or building society that they are able to accept electronic payments Please advise us of the details of the account you wish to use

This must be an account in the name of the donor

Payeersquos name Payeersquos reference (if applicable) Bankrsquos name Bankrsquos branch Sort code Account number

I wish to apply for a Cash ISAPlease indicate below how you wish to open your Cash ISA by placing an lsquoXrsquo in the relevant box(es)

By cash (Store only) pound

Please confirm the amount

By cheque pound

Please confirm the amount

Please make cheques payable to ldquoVirgin Money for the account of (insert account holder name(s))rdquo and crossed ldquoAc Payee onlyrdquo

By transfer from an existing Account number Virgin Money account in the donorrsquos name Please ensure that the Power of Attorney document and

if applicable the existing passbook(s) are enclosed

pound

Please confirm the transfer amount (to transfer the

balance in full write ldquoTO CLOSErdquo)

Any closing interest will normally be added to the transfer amount

Alternatively place a 3 inside this box to receive your closing interest by cheque The terms and conditions any notice period and other withdrawal restrictions applicable to your existing account may apply

By transfer from an existing ISA with another provider Please ensure you complete and return a separate ISA Transfer Authority Form for each ISA you wish to transfer

5

How do you want your interest to be paidPlease complete one option only by placing a 3 inside the box If you make a mistake fill the entire box and mark the correct box

Added to Annually this account

Monthly

To another Annually Account number Virgin Money

Monthly account in the name of the donor

To the donorrsquos Annuallybankbuilding Monthly society account

Payeersquos name Payeersquos reference (if applicable) Bankrsquos name Bankrsquos branch Sort code Account number

How we use your personal informationHerersquos a summary of how your information may be used and shared by Clydesdale Bank PLC (trading as Virgin Money)

For further details including how your information may also be used by fraud prevention agencies and credit reference agencies together with your data protection rights please see our website at virginmoneycomprivacy or visit any of our Stores

Using your information

The personal information you give us or that we collect or create will be used in a number of ways throughout the time yoursquore a Virgin Money customer Wersquoll use it to

bull Check your identity and eligibility for this account

bull Manage your account and your relationship with us

bull Prevent financial crime and the funding of terrorism

bull Improve our services and computer systems

bull Identify other products and services that you may find useful (But wersquoll only contact you if yoursquore happy to hear from us)

bull Manage and organise our business

The information we ask for when you apply for this account is used to

bull Check your identity and eligibility for this account

bull Manage your account and relationship with us

bull Prevent financial crime and the funding of terrorism

You donrsquot have to give us any of this information but if you donrsquot provide all of it we wonrsquot be able to deal with your application

Sharing your information

Wersquoll regularly share your information with credit reference agencies We do this to check your identity and eligibility for this account

Wersquoll also share your information with fraud prevention agencies who will use it to prevent and detect fraud and money-laundering and to verify your identity If fraud is detected you could be refused certain services finance or employment We and fraud prevention agencies may also allow law enforcement agencies to access and use your information to detect investigate and prevent crime

6

Both credit reference and fraud prevention agencies may link your information to the information of a joint applicant spouse or other financial associates

Where we need to wersquoll share information with UK or overseas tax authorities We may also share information within our group of companies or with our commercial partners Some information will be held and used outside the European Economic Area (EEA)

For details of the credit reference and fraud prevention agencies we use and the companies within our group please see our website at virginmoneycomprivacy or visit any of our Stores

Holding your information and your rights

Wersquoll hold your information for as long as necessary to manage your relationship with us and to meet our legal and regulatory obligations

You can always ask for a copy of any information we hold about you And if you spot any errors wersquoll correct them You may also be able to ask us for some or all of your information to be deleted or to limit the way we use it Full details of all of your rights can be found on our website at virginmoneycomprivacy or by visiting any of our Stores

If yoursquore unhappy with the way wersquore using your information please talk to us so we can try to sort it out If this doesnrsquot fix it you can write to our Data Protection Officer at Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL or contact the Information Commissioners Office (ICO) The ICO is the UKrsquos independent body set up to make sure organisations handle your information correctly Yoursquoll find further details including how to contact the ICO at icoorguk

You declare that you are entitled to disclose information about all joint applicants andor anyone else referred to by you

If false or inaccurate information is provided and fraud is identified details will be shared with fraud prevention agencies and this information may be accessed and used by law enforcement to prevent fraud and money laundering

DeclarationIf there is more than one attorney all must read and sign this declaration if the donor is able to sign heshe should also read and sign this declaration The attorney(s) are signing on behalf of the donor

I declare that

bull All subscriptions made and to be made belong to me

bull I am 16 years of age or over

bull I have not subscribed and will not subscribe more than the overall subscription limit in total to a Cash ISA a Stocks and Shares ISA an Innovative Finance ISA and a Lifetime ISA in the same tax year

bull I have not subscribed and will not subscribe to another Cash ISA in the same tax year that I subscribe to this Cash ISA

bull I am resident in the United Kingdom for tax purposes or if not so resident either perform duties which by virtue of Section 28 of Income Tax (Earnings and Pensions) Act 2003 (Crown Employees Serving Overseas) are treated as being performed in the United Kingdom or I am married to or in a civil partnership with a person who performs such duties I will inform Virgin Money if I cease to be so resident or to perform such duties or be married to or in a civil partnership with a person who performs such duties

bull I confirm I have read the literature for this account and agree to be bound by the terms and conditions of this account

I authorise Virgin Money

bull To hold my cash subscriptions and any interest earned on those subscriptions

bull To make on my behalf any claims to relief from tax in respect of ISA investments

Statements

bull IWe understand that funds withdrawn will be used for the purpose for which the Power of Attorney is granted

bull IWe request that Virgin Money open an account in the name detailed above in accordance with the terms and conditions and that the account is administered according to the details given above I hereby declare that this investment is made in accordance with the appropriate declaration above

7

Financial Services Compensation Scheme (FSCS) declarationI have received and read the Financial Services Compensation Scheme booklet which contains an Information sheet and Exclusions list and provides details of the protection provided by the FSCS

I DECLARE THAT THIS FORM HAS BEEN COMPLETED TO THE BEST OF MY KNOWLEDGE AND BELIEFWARNING ndash FALSE STATEMENT INFORMATION MAY RESULT IN PENALTIES OR PROSECUTION

ConfirmationPlease sign to confirm you have read and agree to the lsquoUsing your personal informationrsquo and lsquoDeclarationrsquo sections above

Donor signature (if able to sign) 1st Attorney signature

Date signed Date signed

D D M M Y Y Y Y

D D M M Y Y Y Y

2nd Attorney signature 3rd Attorney signature

Date signed Date signed

D D M M Y Y Y Y

D D M M Y Y Y Y

Confirmation of identity

Virgin Money takes suitable steps to check the identity of its investors and may telephone to confirm application details We regret that it will not be possible to open an account unless suitable proof of identity is provided ndash funds will be returned if suitable proof of identity is not provided

Can I get this in a different format

Of course If you need this in another format (eg braille large print or audio) please just let us know

bull By email disabilityawarenessvirginmoneycom

bull By phone 0191 279 5300

Finding things tough to get your head around

Donrsquot worry we know it isnrsquot easy Wersquore happy to take a bit more time to explain things if that would help Just contact us on 0345 600 7301 and chat to one of our team

Please return this form to Operations Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

8

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

VM22339V7

For office use only

Customer number

Account number

NA45 NA45 (Ex) NA46 NA46 (Ex) NA47 NA47 (Ex) NA59 NA59 (Ex) NA03 (Ex) OP03

Date rec amp reg Input checked

Cashier Code

Date

Cheque Sort code Account number

1

2

For office and store use only

The Financial Services Compensation Scheme Information sheet and Exclusions list

Clydesdale Bank PLC is covered by the Financial Services Compensation Scheme (FSCS)

To help you understand the protection the scheme offers this booklet contains details provided by the Prudential Regulation Authority Please read the Information sheet on pages 2 and 3 carefully

The scheme does have a small number of exclusions and these are listed on page 4

Information sheet

Basic information about the protection of your eligible deposits

Eligible deposits in Clydesdale Bank PLC the Financial Services Compensation Scheme are protected by (ldquoFSCSrdquo)1

Limit of protection pound85000 per depositor per bankbuilding society credit union2

The following trading names are part of your bank building societycredit union

Clydesdale Bank Yorkshire Bank Virgin Money

If you have more eligible deposits at the All your eligible deposits at the same bankbuilding same bankbuilding societycredit union societycredit union are ldquoaggregatedrdquo and the total

is subject to the limit of pound850002

If you have a joint account with The limit of pound85000 applies to each depositor other person(s) separately3

Reimbursement period in case of bank 20 working days4

building societycredit unionrsquos failure

Currency of reimbursement Pound sterling (GBP pound) or for branches of UK banks operating in other EEA Member States the currency of that State

To contact Virgin Money for enquiries relating to your account

To contact the FSCS for further information on compensation

Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

Tel 0345 600 7301

Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU

Tel 0800 678 1100 or 020 7741 4100

Email ICTfscsorguk

More information httpwwwfscsorguk

3

1st AttorneyIn line with HM Revenue amp Customs regulations any changes to this application form must be initialled

Title Surname

Forename(s) Date of birth

D D M M Y Y Y Y

Address

Postcode

Home phone number (inc area code) Other phone number

If you already have a Virgin Money Savings Account please provide the account number in this box

2nd AttorneyIn line with HM Revenue amp Customs regulations any changes to this application form must be initialled

Title Surname

Forename(s) Date of birth

D D M M Y Y Y Y

Address

Postcode

Home phone number (inc area code) Other phone number

If you already have a Virgin Money Savings Account please provide the account number in this box

3rd AttorneyIn line with HM Revenue amp Customs regulations any changes to this application form must be initialled

Title Surname

Forename(s) Date of birth

D D M M Y Y Y Y

Address

Postcode

4

Home phone number (inc area code) Other phone number

If you already have a Virgin Money Savings Account please provide the account number in this box

Nominated bank accountAll withdrawals from the E-ISA must be sent to a nominated bank account This account must be suitable for receipt of electronic payments (ie a Current Account) Bank or building society deposit type accounts cannot be used as the nominated account Please check with the bank or building society that they are able to accept electronic payments Please advise us of the details of the account you wish to use

This must be an account in the name of the donor

Payeersquos name Payeersquos reference (if applicable) Bankrsquos name Bankrsquos branch Sort code Account number

I wish to apply for a Cash ISAPlease indicate below how you wish to open your Cash ISA by placing an lsquoXrsquo in the relevant box(es)

By cash (Store only) pound

Please confirm the amount

By cheque pound

Please confirm the amount

Please make cheques payable to ldquoVirgin Money for the account of (insert account holder name(s))rdquo and crossed ldquoAc Payee onlyrdquo

By transfer from an existing Account number Virgin Money account in the donorrsquos name Please ensure that the Power of Attorney document and

if applicable the existing passbook(s) are enclosed

pound

Please confirm the transfer amount (to transfer the

balance in full write ldquoTO CLOSErdquo)

Any closing interest will normally be added to the transfer amount

Alternatively place a 3 inside this box to receive your closing interest by cheque The terms and conditions any notice period and other withdrawal restrictions applicable to your existing account may apply

By transfer from an existing ISA with another provider Please ensure you complete and return a separate ISA Transfer Authority Form for each ISA you wish to transfer

5

How do you want your interest to be paidPlease complete one option only by placing a 3 inside the box If you make a mistake fill the entire box and mark the correct box

Added to Annually this account

Monthly

To another Annually Account number Virgin Money

Monthly account in the name of the donor

To the donorrsquos Annuallybankbuilding Monthly society account

Payeersquos name Payeersquos reference (if applicable) Bankrsquos name Bankrsquos branch Sort code Account number

How we use your personal informationHerersquos a summary of how your information may be used and shared by Clydesdale Bank PLC (trading as Virgin Money)

For further details including how your information may also be used by fraud prevention agencies and credit reference agencies together with your data protection rights please see our website at virginmoneycomprivacy or visit any of our Stores

Using your information

The personal information you give us or that we collect or create will be used in a number of ways throughout the time yoursquore a Virgin Money customer Wersquoll use it to

bull Check your identity and eligibility for this account

bull Manage your account and your relationship with us

bull Prevent financial crime and the funding of terrorism

bull Improve our services and computer systems

bull Identify other products and services that you may find useful (But wersquoll only contact you if yoursquore happy to hear from us)

bull Manage and organise our business

The information we ask for when you apply for this account is used to

bull Check your identity and eligibility for this account

bull Manage your account and relationship with us

bull Prevent financial crime and the funding of terrorism

You donrsquot have to give us any of this information but if you donrsquot provide all of it we wonrsquot be able to deal with your application

Sharing your information

Wersquoll regularly share your information with credit reference agencies We do this to check your identity and eligibility for this account

Wersquoll also share your information with fraud prevention agencies who will use it to prevent and detect fraud and money-laundering and to verify your identity If fraud is detected you could be refused certain services finance or employment We and fraud prevention agencies may also allow law enforcement agencies to access and use your information to detect investigate and prevent crime

6

Both credit reference and fraud prevention agencies may link your information to the information of a joint applicant spouse or other financial associates

Where we need to wersquoll share information with UK or overseas tax authorities We may also share information within our group of companies or with our commercial partners Some information will be held and used outside the European Economic Area (EEA)

For details of the credit reference and fraud prevention agencies we use and the companies within our group please see our website at virginmoneycomprivacy or visit any of our Stores

Holding your information and your rights

Wersquoll hold your information for as long as necessary to manage your relationship with us and to meet our legal and regulatory obligations

You can always ask for a copy of any information we hold about you And if you spot any errors wersquoll correct them You may also be able to ask us for some or all of your information to be deleted or to limit the way we use it Full details of all of your rights can be found on our website at virginmoneycomprivacy or by visiting any of our Stores

If yoursquore unhappy with the way wersquore using your information please talk to us so we can try to sort it out If this doesnrsquot fix it you can write to our Data Protection Officer at Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL or contact the Information Commissioners Office (ICO) The ICO is the UKrsquos independent body set up to make sure organisations handle your information correctly Yoursquoll find further details including how to contact the ICO at icoorguk

You declare that you are entitled to disclose information about all joint applicants andor anyone else referred to by you

If false or inaccurate information is provided and fraud is identified details will be shared with fraud prevention agencies and this information may be accessed and used by law enforcement to prevent fraud and money laundering

DeclarationIf there is more than one attorney all must read and sign this declaration if the donor is able to sign heshe should also read and sign this declaration The attorney(s) are signing on behalf of the donor

I declare that

bull All subscriptions made and to be made belong to me

bull I am 16 years of age or over

bull I have not subscribed and will not subscribe more than the overall subscription limit in total to a Cash ISA a Stocks and Shares ISA an Innovative Finance ISA and a Lifetime ISA in the same tax year

bull I have not subscribed and will not subscribe to another Cash ISA in the same tax year that I subscribe to this Cash ISA

bull I am resident in the United Kingdom for tax purposes or if not so resident either perform duties which by virtue of Section 28 of Income Tax (Earnings and Pensions) Act 2003 (Crown Employees Serving Overseas) are treated as being performed in the United Kingdom or I am married to or in a civil partnership with a person who performs such duties I will inform Virgin Money if I cease to be so resident or to perform such duties or be married to or in a civil partnership with a person who performs such duties

bull I confirm I have read the literature for this account and agree to be bound by the terms and conditions of this account

I authorise Virgin Money

bull To hold my cash subscriptions and any interest earned on those subscriptions

bull To make on my behalf any claims to relief from tax in respect of ISA investments

Statements

bull IWe understand that funds withdrawn will be used for the purpose for which the Power of Attorney is granted

bull IWe request that Virgin Money open an account in the name detailed above in accordance with the terms and conditions and that the account is administered according to the details given above I hereby declare that this investment is made in accordance with the appropriate declaration above

7

Financial Services Compensation Scheme (FSCS) declarationI have received and read the Financial Services Compensation Scheme booklet which contains an Information sheet and Exclusions list and provides details of the protection provided by the FSCS

I DECLARE THAT THIS FORM HAS BEEN COMPLETED TO THE BEST OF MY KNOWLEDGE AND BELIEFWARNING ndash FALSE STATEMENT INFORMATION MAY RESULT IN PENALTIES OR PROSECUTION

ConfirmationPlease sign to confirm you have read and agree to the lsquoUsing your personal informationrsquo and lsquoDeclarationrsquo sections above

Donor signature (if able to sign) 1st Attorney signature

Date signed Date signed

D D M M Y Y Y Y

D D M M Y Y Y Y

2nd Attorney signature 3rd Attorney signature

Date signed Date signed

D D M M Y Y Y Y

D D M M Y Y Y Y

Confirmation of identity

Virgin Money takes suitable steps to check the identity of its investors and may telephone to confirm application details We regret that it will not be possible to open an account unless suitable proof of identity is provided ndash funds will be returned if suitable proof of identity is not provided

Can I get this in a different format

Of course If you need this in another format (eg braille large print or audio) please just let us know

bull By email disabilityawarenessvirginmoneycom

bull By phone 0191 279 5300

Finding things tough to get your head around

Donrsquot worry we know it isnrsquot easy Wersquore happy to take a bit more time to explain things if that would help Just contact us on 0345 600 7301 and chat to one of our team

Please return this form to Operations Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

8

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

VM22339V7

For office use only

Customer number

Account number

NA45 NA45 (Ex) NA46 NA46 (Ex) NA47 NA47 (Ex) NA59 NA59 (Ex) NA03 (Ex) OP03

Date rec amp reg Input checked

Cashier Code

Date

Cheque Sort code Account number

1

2

For office and store use only

The Financial Services Compensation Scheme Information sheet and Exclusions list

Clydesdale Bank PLC is covered by the Financial Services Compensation Scheme (FSCS)

To help you understand the protection the scheme offers this booklet contains details provided by the Prudential Regulation Authority Please read the Information sheet on pages 2 and 3 carefully

The scheme does have a small number of exclusions and these are listed on page 4

Information sheet

Basic information about the protection of your eligible deposits

Eligible deposits in Clydesdale Bank PLC the Financial Services Compensation Scheme are protected by (ldquoFSCSrdquo)1

Limit of protection pound85000 per depositor per bankbuilding society credit union2

The following trading names are part of your bank building societycredit union

Clydesdale Bank Yorkshire Bank Virgin Money

If you have more eligible deposits at the All your eligible deposits at the same bankbuilding same bankbuilding societycredit union societycredit union are ldquoaggregatedrdquo and the total

is subject to the limit of pound850002

If you have a joint account with The limit of pound85000 applies to each depositor other person(s) separately3

Reimbursement period in case of bank 20 working days4

building societycredit unionrsquos failure

Currency of reimbursement Pound sterling (GBP pound) or for branches of UK banks operating in other EEA Member States the currency of that State

To contact Virgin Money for enquiries relating to your account

To contact the FSCS for further information on compensation

Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

Tel 0345 600 7301

Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU

Tel 0800 678 1100 or 020 7741 4100

Email ICTfscsorguk

More information httpwwwfscsorguk

4

Home phone number (inc area code) Other phone number

If you already have a Virgin Money Savings Account please provide the account number in this box

Nominated bank accountAll withdrawals from the E-ISA must be sent to a nominated bank account This account must be suitable for receipt of electronic payments (ie a Current Account) Bank or building society deposit type accounts cannot be used as the nominated account Please check with the bank or building society that they are able to accept electronic payments Please advise us of the details of the account you wish to use

This must be an account in the name of the donor

Payeersquos name Payeersquos reference (if applicable) Bankrsquos name Bankrsquos branch Sort code Account number

I wish to apply for a Cash ISAPlease indicate below how you wish to open your Cash ISA by placing an lsquoXrsquo in the relevant box(es)

By cash (Store only) pound

Please confirm the amount

By cheque pound

Please confirm the amount

Please make cheques payable to ldquoVirgin Money for the account of (insert account holder name(s))rdquo and crossed ldquoAc Payee onlyrdquo

By transfer from an existing Account number Virgin Money account in the donorrsquos name Please ensure that the Power of Attorney document and

if applicable the existing passbook(s) are enclosed

pound

Please confirm the transfer amount (to transfer the

balance in full write ldquoTO CLOSErdquo)

Any closing interest will normally be added to the transfer amount

Alternatively place a 3 inside this box to receive your closing interest by cheque The terms and conditions any notice period and other withdrawal restrictions applicable to your existing account may apply

By transfer from an existing ISA with another provider Please ensure you complete and return a separate ISA Transfer Authority Form for each ISA you wish to transfer

5

How do you want your interest to be paidPlease complete one option only by placing a 3 inside the box If you make a mistake fill the entire box and mark the correct box

Added to Annually this account

Monthly

To another Annually Account number Virgin Money

Monthly account in the name of the donor

To the donorrsquos Annuallybankbuilding Monthly society account

Payeersquos name Payeersquos reference (if applicable) Bankrsquos name Bankrsquos branch Sort code Account number

How we use your personal informationHerersquos a summary of how your information may be used and shared by Clydesdale Bank PLC (trading as Virgin Money)

For further details including how your information may also be used by fraud prevention agencies and credit reference agencies together with your data protection rights please see our website at virginmoneycomprivacy or visit any of our Stores

Using your information

The personal information you give us or that we collect or create will be used in a number of ways throughout the time yoursquore a Virgin Money customer Wersquoll use it to

bull Check your identity and eligibility for this account

bull Manage your account and your relationship with us

bull Prevent financial crime and the funding of terrorism

bull Improve our services and computer systems

bull Identify other products and services that you may find useful (But wersquoll only contact you if yoursquore happy to hear from us)

bull Manage and organise our business

The information we ask for when you apply for this account is used to

bull Check your identity and eligibility for this account

bull Manage your account and relationship with us

bull Prevent financial crime and the funding of terrorism

You donrsquot have to give us any of this information but if you donrsquot provide all of it we wonrsquot be able to deal with your application

Sharing your information

Wersquoll regularly share your information with credit reference agencies We do this to check your identity and eligibility for this account

Wersquoll also share your information with fraud prevention agencies who will use it to prevent and detect fraud and money-laundering and to verify your identity If fraud is detected you could be refused certain services finance or employment We and fraud prevention agencies may also allow law enforcement agencies to access and use your information to detect investigate and prevent crime

6

Both credit reference and fraud prevention agencies may link your information to the information of a joint applicant spouse or other financial associates

Where we need to wersquoll share information with UK or overseas tax authorities We may also share information within our group of companies or with our commercial partners Some information will be held and used outside the European Economic Area (EEA)

For details of the credit reference and fraud prevention agencies we use and the companies within our group please see our website at virginmoneycomprivacy or visit any of our Stores

Holding your information and your rights

Wersquoll hold your information for as long as necessary to manage your relationship with us and to meet our legal and regulatory obligations

You can always ask for a copy of any information we hold about you And if you spot any errors wersquoll correct them You may also be able to ask us for some or all of your information to be deleted or to limit the way we use it Full details of all of your rights can be found on our website at virginmoneycomprivacy or by visiting any of our Stores

If yoursquore unhappy with the way wersquore using your information please talk to us so we can try to sort it out If this doesnrsquot fix it you can write to our Data Protection Officer at Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL or contact the Information Commissioners Office (ICO) The ICO is the UKrsquos independent body set up to make sure organisations handle your information correctly Yoursquoll find further details including how to contact the ICO at icoorguk

You declare that you are entitled to disclose information about all joint applicants andor anyone else referred to by you

If false or inaccurate information is provided and fraud is identified details will be shared with fraud prevention agencies and this information may be accessed and used by law enforcement to prevent fraud and money laundering

DeclarationIf there is more than one attorney all must read and sign this declaration if the donor is able to sign heshe should also read and sign this declaration The attorney(s) are signing on behalf of the donor

I declare that

bull All subscriptions made and to be made belong to me

bull I am 16 years of age or over

bull I have not subscribed and will not subscribe more than the overall subscription limit in total to a Cash ISA a Stocks and Shares ISA an Innovative Finance ISA and a Lifetime ISA in the same tax year

bull I have not subscribed and will not subscribe to another Cash ISA in the same tax year that I subscribe to this Cash ISA

bull I am resident in the United Kingdom for tax purposes or if not so resident either perform duties which by virtue of Section 28 of Income Tax (Earnings and Pensions) Act 2003 (Crown Employees Serving Overseas) are treated as being performed in the United Kingdom or I am married to or in a civil partnership with a person who performs such duties I will inform Virgin Money if I cease to be so resident or to perform such duties or be married to or in a civil partnership with a person who performs such duties

bull I confirm I have read the literature for this account and agree to be bound by the terms and conditions of this account

I authorise Virgin Money

bull To hold my cash subscriptions and any interest earned on those subscriptions

bull To make on my behalf any claims to relief from tax in respect of ISA investments

Statements

bull IWe understand that funds withdrawn will be used for the purpose for which the Power of Attorney is granted

bull IWe request that Virgin Money open an account in the name detailed above in accordance with the terms and conditions and that the account is administered according to the details given above I hereby declare that this investment is made in accordance with the appropriate declaration above

7

Financial Services Compensation Scheme (FSCS) declarationI have received and read the Financial Services Compensation Scheme booklet which contains an Information sheet and Exclusions list and provides details of the protection provided by the FSCS

I DECLARE THAT THIS FORM HAS BEEN COMPLETED TO THE BEST OF MY KNOWLEDGE AND BELIEFWARNING ndash FALSE STATEMENT INFORMATION MAY RESULT IN PENALTIES OR PROSECUTION

ConfirmationPlease sign to confirm you have read and agree to the lsquoUsing your personal informationrsquo and lsquoDeclarationrsquo sections above

Donor signature (if able to sign) 1st Attorney signature

Date signed Date signed

D D M M Y Y Y Y

D D M M Y Y Y Y

2nd Attorney signature 3rd Attorney signature

Date signed Date signed

D D M M Y Y Y Y

D D M M Y Y Y Y

Confirmation of identity

Virgin Money takes suitable steps to check the identity of its investors and may telephone to confirm application details We regret that it will not be possible to open an account unless suitable proof of identity is provided ndash funds will be returned if suitable proof of identity is not provided

Can I get this in a different format

Of course If you need this in another format (eg braille large print or audio) please just let us know

bull By email disabilityawarenessvirginmoneycom

bull By phone 0191 279 5300

Finding things tough to get your head around

Donrsquot worry we know it isnrsquot easy Wersquore happy to take a bit more time to explain things if that would help Just contact us on 0345 600 7301 and chat to one of our team

Please return this form to Operations Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

8

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

VM22339V7

For office use only

Customer number

Account number

NA45 NA45 (Ex) NA46 NA46 (Ex) NA47 NA47 (Ex) NA59 NA59 (Ex) NA03 (Ex) OP03

Date rec amp reg Input checked

Cashier Code

Date

Cheque Sort code Account number

1

2

For office and store use only

The Financial Services Compensation Scheme Information sheet and Exclusions list

Clydesdale Bank PLC is covered by the Financial Services Compensation Scheme (FSCS)

To help you understand the protection the scheme offers this booklet contains details provided by the Prudential Regulation Authority Please read the Information sheet on pages 2 and 3 carefully

The scheme does have a small number of exclusions and these are listed on page 4

Information sheet

Basic information about the protection of your eligible deposits

Eligible deposits in Clydesdale Bank PLC the Financial Services Compensation Scheme are protected by (ldquoFSCSrdquo)1

Limit of protection pound85000 per depositor per bankbuilding society credit union2

The following trading names are part of your bank building societycredit union

Clydesdale Bank Yorkshire Bank Virgin Money

If you have more eligible deposits at the All your eligible deposits at the same bankbuilding same bankbuilding societycredit union societycredit union are ldquoaggregatedrdquo and the total

is subject to the limit of pound850002

If you have a joint account with The limit of pound85000 applies to each depositor other person(s) separately3

Reimbursement period in case of bank 20 working days4

building societycredit unionrsquos failure

Currency of reimbursement Pound sterling (GBP pound) or for branches of UK banks operating in other EEA Member States the currency of that State

To contact Virgin Money for enquiries relating to your account

To contact the FSCS for further information on compensation

Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

Tel 0345 600 7301

Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU

Tel 0800 678 1100 or 020 7741 4100

Email ICTfscsorguk

More information httpwwwfscsorguk

5

How do you want your interest to be paidPlease complete one option only by placing a 3 inside the box If you make a mistake fill the entire box and mark the correct box

Added to Annually this account

Monthly

To another Annually Account number Virgin Money

Monthly account in the name of the donor

To the donorrsquos Annuallybankbuilding Monthly society account

Payeersquos name Payeersquos reference (if applicable) Bankrsquos name Bankrsquos branch Sort code Account number

How we use your personal informationHerersquos a summary of how your information may be used and shared by Clydesdale Bank PLC (trading as Virgin Money)

For further details including how your information may also be used by fraud prevention agencies and credit reference agencies together with your data protection rights please see our website at virginmoneycomprivacy or visit any of our Stores

Using your information

The personal information you give us or that we collect or create will be used in a number of ways throughout the time yoursquore a Virgin Money customer Wersquoll use it to

bull Check your identity and eligibility for this account

bull Manage your account and your relationship with us

bull Prevent financial crime and the funding of terrorism

bull Improve our services and computer systems

bull Identify other products and services that you may find useful (But wersquoll only contact you if yoursquore happy to hear from us)

bull Manage and organise our business

The information we ask for when you apply for this account is used to

bull Check your identity and eligibility for this account

bull Manage your account and relationship with us

bull Prevent financial crime and the funding of terrorism

You donrsquot have to give us any of this information but if you donrsquot provide all of it we wonrsquot be able to deal with your application

Sharing your information

Wersquoll regularly share your information with credit reference agencies We do this to check your identity and eligibility for this account

Wersquoll also share your information with fraud prevention agencies who will use it to prevent and detect fraud and money-laundering and to verify your identity If fraud is detected you could be refused certain services finance or employment We and fraud prevention agencies may also allow law enforcement agencies to access and use your information to detect investigate and prevent crime

6

Both credit reference and fraud prevention agencies may link your information to the information of a joint applicant spouse or other financial associates

Where we need to wersquoll share information with UK or overseas tax authorities We may also share information within our group of companies or with our commercial partners Some information will be held and used outside the European Economic Area (EEA)

For details of the credit reference and fraud prevention agencies we use and the companies within our group please see our website at virginmoneycomprivacy or visit any of our Stores

Holding your information and your rights

Wersquoll hold your information for as long as necessary to manage your relationship with us and to meet our legal and regulatory obligations

You can always ask for a copy of any information we hold about you And if you spot any errors wersquoll correct them You may also be able to ask us for some or all of your information to be deleted or to limit the way we use it Full details of all of your rights can be found on our website at virginmoneycomprivacy or by visiting any of our Stores

If yoursquore unhappy with the way wersquore using your information please talk to us so we can try to sort it out If this doesnrsquot fix it you can write to our Data Protection Officer at Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL or contact the Information Commissioners Office (ICO) The ICO is the UKrsquos independent body set up to make sure organisations handle your information correctly Yoursquoll find further details including how to contact the ICO at icoorguk

You declare that you are entitled to disclose information about all joint applicants andor anyone else referred to by you

If false or inaccurate information is provided and fraud is identified details will be shared with fraud prevention agencies and this information may be accessed and used by law enforcement to prevent fraud and money laundering

DeclarationIf there is more than one attorney all must read and sign this declaration if the donor is able to sign heshe should also read and sign this declaration The attorney(s) are signing on behalf of the donor

I declare that

bull All subscriptions made and to be made belong to me

bull I am 16 years of age or over

bull I have not subscribed and will not subscribe more than the overall subscription limit in total to a Cash ISA a Stocks and Shares ISA an Innovative Finance ISA and a Lifetime ISA in the same tax year

bull I have not subscribed and will not subscribe to another Cash ISA in the same tax year that I subscribe to this Cash ISA

bull I am resident in the United Kingdom for tax purposes or if not so resident either perform duties which by virtue of Section 28 of Income Tax (Earnings and Pensions) Act 2003 (Crown Employees Serving Overseas) are treated as being performed in the United Kingdom or I am married to or in a civil partnership with a person who performs such duties I will inform Virgin Money if I cease to be so resident or to perform such duties or be married to or in a civil partnership with a person who performs such duties

bull I confirm I have read the literature for this account and agree to be bound by the terms and conditions of this account

I authorise Virgin Money

bull To hold my cash subscriptions and any interest earned on those subscriptions

bull To make on my behalf any claims to relief from tax in respect of ISA investments

Statements

bull IWe understand that funds withdrawn will be used for the purpose for which the Power of Attorney is granted

bull IWe request that Virgin Money open an account in the name detailed above in accordance with the terms and conditions and that the account is administered according to the details given above I hereby declare that this investment is made in accordance with the appropriate declaration above

7

Financial Services Compensation Scheme (FSCS) declarationI have received and read the Financial Services Compensation Scheme booklet which contains an Information sheet and Exclusions list and provides details of the protection provided by the FSCS

I DECLARE THAT THIS FORM HAS BEEN COMPLETED TO THE BEST OF MY KNOWLEDGE AND BELIEFWARNING ndash FALSE STATEMENT INFORMATION MAY RESULT IN PENALTIES OR PROSECUTION

ConfirmationPlease sign to confirm you have read and agree to the lsquoUsing your personal informationrsquo and lsquoDeclarationrsquo sections above

Donor signature (if able to sign) 1st Attorney signature

Date signed Date signed

D D M M Y Y Y Y

D D M M Y Y Y Y

2nd Attorney signature 3rd Attorney signature

Date signed Date signed

D D M M Y Y Y Y

D D M M Y Y Y Y

Confirmation of identity

Virgin Money takes suitable steps to check the identity of its investors and may telephone to confirm application details We regret that it will not be possible to open an account unless suitable proof of identity is provided ndash funds will be returned if suitable proof of identity is not provided

Can I get this in a different format

Of course If you need this in another format (eg braille large print or audio) please just let us know

bull By email disabilityawarenessvirginmoneycom

bull By phone 0191 279 5300

Finding things tough to get your head around

Donrsquot worry we know it isnrsquot easy Wersquore happy to take a bit more time to explain things if that would help Just contact us on 0345 600 7301 and chat to one of our team

Please return this form to Operations Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

8

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

VM22339V7

For office use only

Customer number

Account number

NA45 NA45 (Ex) NA46 NA46 (Ex) NA47 NA47 (Ex) NA59 NA59 (Ex) NA03 (Ex) OP03

Date rec amp reg Input checked

Cashier Code

Date

Cheque Sort code Account number

1

2

For office and store use only

The Financial Services Compensation Scheme Information sheet and Exclusions list

Clydesdale Bank PLC is covered by the Financial Services Compensation Scheme (FSCS)

To help you understand the protection the scheme offers this booklet contains details provided by the Prudential Regulation Authority Please read the Information sheet on pages 2 and 3 carefully

The scheme does have a small number of exclusions and these are listed on page 4

Information sheet

Basic information about the protection of your eligible deposits

Eligible deposits in Clydesdale Bank PLC the Financial Services Compensation Scheme are protected by (ldquoFSCSrdquo)1

Limit of protection pound85000 per depositor per bankbuilding society credit union2

The following trading names are part of your bank building societycredit union

Clydesdale Bank Yorkshire Bank Virgin Money

If you have more eligible deposits at the All your eligible deposits at the same bankbuilding same bankbuilding societycredit union societycredit union are ldquoaggregatedrdquo and the total

is subject to the limit of pound850002

If you have a joint account with The limit of pound85000 applies to each depositor other person(s) separately3

Reimbursement period in case of bank 20 working days4

building societycredit unionrsquos failure

Currency of reimbursement Pound sterling (GBP pound) or for branches of UK banks operating in other EEA Member States the currency of that State

To contact Virgin Money for enquiries relating to your account

To contact the FSCS for further information on compensation

Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

Tel 0345 600 7301

Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU

Tel 0800 678 1100 or 020 7741 4100

Email ICTfscsorguk

More information httpwwwfscsorguk

6

Both credit reference and fraud prevention agencies may link your information to the information of a joint applicant spouse or other financial associates

Where we need to wersquoll share information with UK or overseas tax authorities We may also share information within our group of companies or with our commercial partners Some information will be held and used outside the European Economic Area (EEA)

For details of the credit reference and fraud prevention agencies we use and the companies within our group please see our website at virginmoneycomprivacy or visit any of our Stores

Holding your information and your rights

Wersquoll hold your information for as long as necessary to manage your relationship with us and to meet our legal and regulatory obligations

You can always ask for a copy of any information we hold about you And if you spot any errors wersquoll correct them You may also be able to ask us for some or all of your information to be deleted or to limit the way we use it Full details of all of your rights can be found on our website at virginmoneycomprivacy or by visiting any of our Stores

If yoursquore unhappy with the way wersquore using your information please talk to us so we can try to sort it out If this doesnrsquot fix it you can write to our Data Protection Officer at Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL or contact the Information Commissioners Office (ICO) The ICO is the UKrsquos independent body set up to make sure organisations handle your information correctly Yoursquoll find further details including how to contact the ICO at icoorguk

You declare that you are entitled to disclose information about all joint applicants andor anyone else referred to by you

If false or inaccurate information is provided and fraud is identified details will be shared with fraud prevention agencies and this information may be accessed and used by law enforcement to prevent fraud and money laundering

DeclarationIf there is more than one attorney all must read and sign this declaration if the donor is able to sign heshe should also read and sign this declaration The attorney(s) are signing on behalf of the donor

I declare that

bull All subscriptions made and to be made belong to me

bull I am 16 years of age or over

bull I have not subscribed and will not subscribe more than the overall subscription limit in total to a Cash ISA a Stocks and Shares ISA an Innovative Finance ISA and a Lifetime ISA in the same tax year

bull I have not subscribed and will not subscribe to another Cash ISA in the same tax year that I subscribe to this Cash ISA

bull I am resident in the United Kingdom for tax purposes or if not so resident either perform duties which by virtue of Section 28 of Income Tax (Earnings and Pensions) Act 2003 (Crown Employees Serving Overseas) are treated as being performed in the United Kingdom or I am married to or in a civil partnership with a person who performs such duties I will inform Virgin Money if I cease to be so resident or to perform such duties or be married to or in a civil partnership with a person who performs such duties

bull I confirm I have read the literature for this account and agree to be bound by the terms and conditions of this account

I authorise Virgin Money

bull To hold my cash subscriptions and any interest earned on those subscriptions

bull To make on my behalf any claims to relief from tax in respect of ISA investments

Statements

bull IWe understand that funds withdrawn will be used for the purpose for which the Power of Attorney is granted

bull IWe request that Virgin Money open an account in the name detailed above in accordance with the terms and conditions and that the account is administered according to the details given above I hereby declare that this investment is made in accordance with the appropriate declaration above

7

Financial Services Compensation Scheme (FSCS) declarationI have received and read the Financial Services Compensation Scheme booklet which contains an Information sheet and Exclusions list and provides details of the protection provided by the FSCS

I DECLARE THAT THIS FORM HAS BEEN COMPLETED TO THE BEST OF MY KNOWLEDGE AND BELIEFWARNING ndash FALSE STATEMENT INFORMATION MAY RESULT IN PENALTIES OR PROSECUTION

ConfirmationPlease sign to confirm you have read and agree to the lsquoUsing your personal informationrsquo and lsquoDeclarationrsquo sections above

Donor signature (if able to sign) 1st Attorney signature

Date signed Date signed

D D M M Y Y Y Y

D D M M Y Y Y Y

2nd Attorney signature 3rd Attorney signature

Date signed Date signed

D D M M Y Y Y Y

D D M M Y Y Y Y

Confirmation of identity

Virgin Money takes suitable steps to check the identity of its investors and may telephone to confirm application details We regret that it will not be possible to open an account unless suitable proof of identity is provided ndash funds will be returned if suitable proof of identity is not provided

Can I get this in a different format

Of course If you need this in another format (eg braille large print or audio) please just let us know

bull By email disabilityawarenessvirginmoneycom

bull By phone 0191 279 5300

Finding things tough to get your head around

Donrsquot worry we know it isnrsquot easy Wersquore happy to take a bit more time to explain things if that would help Just contact us on 0345 600 7301 and chat to one of our team

Please return this form to Operations Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

8

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

VM22339V7

For office use only

Customer number

Account number

NA45 NA45 (Ex) NA46 NA46 (Ex) NA47 NA47 (Ex) NA59 NA59 (Ex) NA03 (Ex) OP03

Date rec amp reg Input checked

Cashier Code

Date

Cheque Sort code Account number

1

2

For office and store use only

The Financial Services Compensation Scheme Information sheet and Exclusions list

Clydesdale Bank PLC is covered by the Financial Services Compensation Scheme (FSCS)

To help you understand the protection the scheme offers this booklet contains details provided by the Prudential Regulation Authority Please read the Information sheet on pages 2 and 3 carefully

The scheme does have a small number of exclusions and these are listed on page 4

Information sheet

Basic information about the protection of your eligible deposits

Eligible deposits in Clydesdale Bank PLC the Financial Services Compensation Scheme are protected by (ldquoFSCSrdquo)1

Limit of protection pound85000 per depositor per bankbuilding society credit union2

The following trading names are part of your bank building societycredit union

Clydesdale Bank Yorkshire Bank Virgin Money

If you have more eligible deposits at the All your eligible deposits at the same bankbuilding same bankbuilding societycredit union societycredit union are ldquoaggregatedrdquo and the total

is subject to the limit of pound850002

If you have a joint account with The limit of pound85000 applies to each depositor other person(s) separately3

Reimbursement period in case of bank 20 working days4

building societycredit unionrsquos failure

Currency of reimbursement Pound sterling (GBP pound) or for branches of UK banks operating in other EEA Member States the currency of that State

To contact Virgin Money for enquiries relating to your account

To contact the FSCS for further information on compensation

Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

Tel 0345 600 7301

Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU

Tel 0800 678 1100 or 020 7741 4100

Email ICTfscsorguk

More information httpwwwfscsorguk

7

Financial Services Compensation Scheme (FSCS) declarationI have received and read the Financial Services Compensation Scheme booklet which contains an Information sheet and Exclusions list and provides details of the protection provided by the FSCS

I DECLARE THAT THIS FORM HAS BEEN COMPLETED TO THE BEST OF MY KNOWLEDGE AND BELIEFWARNING ndash FALSE STATEMENT INFORMATION MAY RESULT IN PENALTIES OR PROSECUTION

ConfirmationPlease sign to confirm you have read and agree to the lsquoUsing your personal informationrsquo and lsquoDeclarationrsquo sections above

Donor signature (if able to sign) 1st Attorney signature

Date signed Date signed

D D M M Y Y Y Y

D D M M Y Y Y Y

2nd Attorney signature 3rd Attorney signature

Date signed Date signed

D D M M Y Y Y Y

D D M M Y Y Y Y

Confirmation of identity

Virgin Money takes suitable steps to check the identity of its investors and may telephone to confirm application details We regret that it will not be possible to open an account unless suitable proof of identity is provided ndash funds will be returned if suitable proof of identity is not provided

Can I get this in a different format

Of course If you need this in another format (eg braille large print or audio) please just let us know

bull By email disabilityawarenessvirginmoneycom

bull By phone 0191 279 5300

Finding things tough to get your head around

Donrsquot worry we know it isnrsquot easy Wersquore happy to take a bit more time to explain things if that would help Just contact us on 0345 600 7301 and chat to one of our team

Please return this form to Operations Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

8

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

VM22339V7

For office use only

Customer number

Account number

NA45 NA45 (Ex) NA46 NA46 (Ex) NA47 NA47 (Ex) NA59 NA59 (Ex) NA03 (Ex) OP03

Date rec amp reg Input checked

Cashier Code

Date

Cheque Sort code Account number

1

2

For office and store use only

The Financial Services Compensation Scheme Information sheet and Exclusions list

Clydesdale Bank PLC is covered by the Financial Services Compensation Scheme (FSCS)

To help you understand the protection the scheme offers this booklet contains details provided by the Prudential Regulation Authority Please read the Information sheet on pages 2 and 3 carefully

The scheme does have a small number of exclusions and these are listed on page 4

Information sheet

Basic information about the protection of your eligible deposits

Eligible deposits in Clydesdale Bank PLC the Financial Services Compensation Scheme are protected by (ldquoFSCSrdquo)1

Limit of protection pound85000 per depositor per bankbuilding society credit union2

The following trading names are part of your bank building societycredit union

Clydesdale Bank Yorkshire Bank Virgin Money

If you have more eligible deposits at the All your eligible deposits at the same bankbuilding same bankbuilding societycredit union societycredit union are ldquoaggregatedrdquo and the total

is subject to the limit of pound850002

If you have a joint account with The limit of pound85000 applies to each depositor other person(s) separately3

Reimbursement period in case of bank 20 working days4

building societycredit unionrsquos failure

Currency of reimbursement Pound sterling (GBP pound) or for branches of UK banks operating in other EEA Member States the currency of that State

To contact Virgin Money for enquiries relating to your account

To contact the FSCS for further information on compensation

Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

Tel 0345 600 7301

Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU

Tel 0800 678 1100 or 020 7741 4100

Email ICTfscsorguk

More information httpwwwfscsorguk

8

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

VM22339V7

For office use only

Customer number

Account number

NA45 NA45 (Ex) NA46 NA46 (Ex) NA47 NA47 (Ex) NA59 NA59 (Ex) NA03 (Ex) OP03

Date rec amp reg Input checked

Cashier Code

Date

Cheque Sort code Account number

1

2

For office and store use only

The Financial Services Compensation Scheme Information sheet and Exclusions list

Clydesdale Bank PLC is covered by the Financial Services Compensation Scheme (FSCS)

To help you understand the protection the scheme offers this booklet contains details provided by the Prudential Regulation Authority Please read the Information sheet on pages 2 and 3 carefully

The scheme does have a small number of exclusions and these are listed on page 4

Information sheet

Basic information about the protection of your eligible deposits

Eligible deposits in Clydesdale Bank PLC the Financial Services Compensation Scheme are protected by (ldquoFSCSrdquo)1

Limit of protection pound85000 per depositor per bankbuilding society credit union2

The following trading names are part of your bank building societycredit union

Clydesdale Bank Yorkshire Bank Virgin Money

If you have more eligible deposits at the All your eligible deposits at the same bankbuilding same bankbuilding societycredit union societycredit union are ldquoaggregatedrdquo and the total

is subject to the limit of pound850002

If you have a joint account with The limit of pound85000 applies to each depositor other person(s) separately3

Reimbursement period in case of bank 20 working days4

building societycredit unionrsquos failure

Currency of reimbursement Pound sterling (GBP pound) or for branches of UK banks operating in other EEA Member States the currency of that State

To contact Virgin Money for enquiries relating to your account

To contact the FSCS for further information on compensation

Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

Tel 0345 600 7301

Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU

Tel 0800 678 1100 or 020 7741 4100

Email ICTfscsorguk

More information httpwwwfscsorguk

The Financial Services Compensation Scheme Information sheet and Exclusions list

Clydesdale Bank PLC is covered by the Financial Services Compensation Scheme (FSCS)

To help you understand the protection the scheme offers this booklet contains details provided by the Prudential Regulation Authority Please read the Information sheet on pages 2 and 3 carefully

The scheme does have a small number of exclusions and these are listed on page 4

Information sheet

Basic information about the protection of your eligible deposits

Eligible deposits in Clydesdale Bank PLC the Financial Services Compensation Scheme are protected by (ldquoFSCSrdquo)1

Limit of protection pound85000 per depositor per bankbuilding society credit union2

The following trading names are part of your bank building societycredit union

Clydesdale Bank Yorkshire Bank Virgin Money

If you have more eligible deposits at the All your eligible deposits at the same bankbuilding same bankbuilding societycredit union societycredit union are ldquoaggregatedrdquo and the total

is subject to the limit of pound850002

If you have a joint account with The limit of pound85000 applies to each depositor other person(s) separately3

Reimbursement period in case of bank 20 working days4

building societycredit unionrsquos failure

Currency of reimbursement Pound sterling (GBP pound) or for branches of UK banks operating in other EEA Member States the currency of that State

To contact Virgin Money for enquiries relating to your account

To contact the FSCS for further information on compensation

Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

Tel 0345 600 7301

Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU

Tel 0800 678 1100 or 020 7741 4100

Email ICTfscsorguk

More information httpwwwfscsorguk

Clydesdale Bank PLC is covered by the Financial Services Compensation Scheme (FSCS)

To help you understand the protection the scheme offers this booklet contains details provided by the Prudential Regulation Authority Please read the Information sheet on pages 2 and 3 carefully

The scheme does have a small number of exclusions and these are listed on page 4

Information sheet

Basic information about the protection of your eligible deposits

Eligible deposits in Clydesdale Bank PLC the Financial Services Compensation Scheme are protected by (ldquoFSCSrdquo)1

Limit of protection pound85000 per depositor per bankbuilding society credit union2

The following trading names are part of your bank building societycredit union

Clydesdale Bank Yorkshire Bank Virgin Money

If you have more eligible deposits at the All your eligible deposits at the same bankbuilding same bankbuilding societycredit union societycredit union are ldquoaggregatedrdquo and the total

is subject to the limit of pound850002

If you have a joint account with The limit of pound85000 applies to each depositor other person(s) separately3

Reimbursement period in case of bank 20 working days4

building societycredit unionrsquos failure

Currency of reimbursement Pound sterling (GBP pound) or for branches of UK banks operating in other EEA Member States the currency of that State

To contact Virgin Money for enquiries relating to your account

To contact the FSCS for further information on compensation

Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL

Tel 0345 600 7301

Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU

Tel 0800 678 1100 or 020 7741 4100

Email ICTfscsorguk

More information httpwwwfscsorguk

Additional information

1 Scheme responsible for the protection of youreligible depositYour eligible deposit is covered by a statutoryDeposit Guarantee Scheme If insolvency of your bank building society or credit union shouldoccur your eligible deposits would be repaid up to pound85000 by the Deposit Guarantee Scheme

2 General limit of protectionIf a covered deposit is unavailable because a bank building society or credit union is unable to meetits financial obligations depositors are repaid by a Deposit Guarantee Scheme This repaymentcovers a maximum of pound85000 per bank building society or credit union This means that all eligibledeposits at the same bank building society or credit union are added up in order to determinethe coverage level If for instance a depositor holds a savings account with pound80000 and acurrent account with pound20000 he or she will only be repaid pound85000 This method will also be applied if a bank building society or credit union operates under differenttrading names Clydesdale Bank PLC also trades under Clydesdale Bank Yorkshire Bank andVirgin Money This means that all eligible deposits with one or more of these trading names are intotal covered up to pound85000 In some cases eligible deposits which are categorised as ldquotemporary high balancesrdquo areprotected above pound85000 for six months after the amount has been credited or from the moment when such eligible deposits become legally transferable These are eligible deposits connectedwith certain events including (a) certain transactions relating to the depositorrsquos

current or prospective only or main residence or dwelling

(b) a death or the depositorrsquos marriage or civilpartnership divorce retirement dismissal redundancy or invalidity

(c) the payment to the depositor of insurancebenefits or compensation for criminal injuries or wrongful conviction

More information can be obtained under httpwwwfscsorguk

3 Limit of protection for joint accountsIn case of joint accounts the limit of pound85000 applies to each depositor However eligible deposits in an account to whichtwo or more persons are entitled as members of a business partnership association or groupingof a similar nature without legal personality are aggregated and treated as if made by a singledepositor for the purpose of calculating the limit of pound85000

4 Reimbursement The responsible Deposit Guarantee Scheme isthe Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph StreetLondon EC3A 7QU Tel 0800 678 1100 or 020 7741 4100 Email ICTfscsorguk It willrepay your eligible deposits (up to pound85000) within 20 working days until 31 December 2018within 15 working days from 1 January 2019 until 31 December 2020 within 10 working days from1 January 2021 to 31 December 2023 and within 7 working days from 1 January 2024 onwards savewhere specific exceptions apply Where the FSCS cannot make the repayable amount available within 7 working days it willfrom 1 June 2016 until 31 December 2023 ensure that you have access to an appropriate amount ofyour covered deposits to cover the cost of living (in the case of a depositor which is an individual)or to cover necessary business expenses or operating costs (in the case of a depositor whichis not an individual or a large company) within 5 working days of a request If you have not been repaid within thesedeadlines you should contact the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a certain time limit Further information can be obtained under httpwwwfscsorguk

Other important informationIn general all retail depositors and businesses are covered by Deposit Guarantee Schemes Exceptionsfor certain deposits are stated on the website of the responsible Deposit Guarantee Scheme Your bankbuilding society or credit union will also inform you of any exclusions from protection which may applyIf deposits are eligible the bank building society or credit union shall also confirm this on the statement of account

Exclusions list

A deposit is excluded from protection if

(1) The holder and any beneficial owner of the deposit have never been identified in accordance with moneylaundering requirements For further information contact your bank building society or credit union

(2) The deposit arises out of transactions in connection with which there has been a criminal conviction formoney laundering

(3) It is a deposit made by a depositor which is one of the following credit institution

financial institution

investment firm

insurance undertaking

reinsurance undertaking

collective investment undertaking

pension or retirement fund1

public authority other than a small local authority

For further information about exclusions refer to the FSCS website at wwwFSCSorguk

1 Deposits by personal pension schemes stakeholder pension schemes and occupational pension schemes of micro small and medium sized enterprises are not excluded

Can I get this in a different format Of course If you need this in another format (eg braille large print or audio) please just let us know By email disabilityawarenessvirginmoneycom

By phone 0191 279 5300

Finding things tough to get your head around Donrsquot worry wersquore happy to take a bit more time to explain things if that would

help Just call us on 0345 600 7301 and chat to one of our team

Calls to 03 numbers cost the same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way Calls may be monitored and recorded

Clydesdale Bank PLC (which also trades as Yorkshire Bank and 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 VM19180v6 (valid from 220620)