The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

	We offer products from the whole market.
	We only offer products from a limited number of companies.
	We only offer products from Virgin Money Unit Trust Managers Ltd.

	We will advise and make a recommendation for you after we have assessed your needs.
	You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
	We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not: conduct a full assessment of your needs; offer advice on whether a non-stakeholder product may be more suitable.

	Before we provide you with advice, we will give you our keyfacts guide 'about the cost of our services'.
	We will tell you how we get paid, and the amount, before we carry out any business for you.

• Virgin Money Personal Financial Service Ltd, Discovery House, Whiting Road, Norwich, NR4 6EJ, is authorised and regulated by the Financial Services Authority. Our FSA Register number is 179271.
• Our permitted business is arranging pension and unit trust business.
• You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Virgin Money Holdings (UK) Ltd has 100% of the voting rights and owns 100% of the share capital of both Virgin Money Personal Financial Service Ltd and Virgin Money Unit Trust Managers Ltd.

• If you wish to register a complaint, please contact us:
  In writing to: Virgin Money, PO Box 9522, Chelmsford, CM99 2AB
  By phone: Telephone 0845 610 2030.
• If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

• We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
• Most types of investment business are covered for 100% of the first £30,000 and 90% of the next £20,000 - so the maximum compensation is £48,000.
Further information about compensation scheme arrangements is available from the FSCS.