CYBG PLC

Moody's
Short term Long term Outlook
P-3 Baa3 Positive
Standard and Poor’s
Short term Long term Outlook
A- 3 BBB- Stable
Fitch
Short term Long term Outlook
F2 BBB+ Rating Watch Negative

Clydesdale Bank PLC

Moody's
Short term* Long term* Outlook
P-2 Baa1 Positive
Standard and Poor’s
Short term Long term Outlook
A- 2 BBB+ Stable
Fitch
Short term Long term Outlook
F2 A- Rating Watch Negative

*Deposit ratings

Virgin Money Holdings (UK) PLC

Moody's
Short term Long term Outlook
P-3 Baa3 Positive
Fitch
Short term Long term Outlook
F2 BBB+ Rating Watch Negative

Virgin Money PLC

Moody's
Short term Long term Outlook
P-2 Baa1 Positive
Fitch
Short term Long term Outlook
F2 A- Rating Watch Negative