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MY VIRGIN MONEY MAGAZINE Virgin Money, Discovery House, Whiting Road, Norwich NR4 6EJ - Online: myvirginmoney.com/magazine - Email: letters@virginmoney.com My Virgin Money magazine is produced for Virgin Money customers and their families and friends. © 2010-13 Virgin Money (images reproduced under licence). No part of this magazine may be reproduced in any form without our prior written permission. The opinions and comments expressed by contributors in this magazine are not necessarily those of Virgin Money, unless otherwise stated. Nothing in this magazine constitutes legal, financial or other professional advice and readers should obtain their own professional guidance on the suitability of any featured products or services. The magazine contents reflect our understanding of current UK legislation, taxes and HM Revenue & Customs practice, all of which are subject to change. Virgin Money accepts no responsibility for the content of external websites referred to in this magazine, links to which are provided for general information only. Virgin Money Personal Financial Service Ltd. Registered Office: Discovery House, Whiting Road, Norwich NR4 6EJ. Registered in England no. 3072766. Virgin Money Personal Financial Service Ltd is authorised and regulated by the Financial Services Authority. All calls are recorded and randomly monitored. All products are available only to residents of the United Kingdom with the exception of motor insurance which is not available to residents of Northern Ireland.