Implementation Date Announcement - Tier 2 Notes

£300,000,000 2.625 per cent. Fixed Rate Reset Callable Subordinated Tier 2 Capital Notes due 2031 (XS2343851510)

(the "Existing Tier 2 Notes")

Capitalised terms used in this notice and not otherwise defined shall have the meanings given to them in the Consent Solicitation Memorandum prepared by Virgin Money UK PLC ("Virgin Money") dated 3 June 2025.

EXISTING TIER 2 NOTES

Further to the notice issued by Virgin Money dated 25 June 2025, notice is hereby given to the holders of the Existing Tier 2 Notes that, on 2 July 2025, the Supplemental Trust Deed, the Supplemental Agency Agreement and the Amended and Restated Final Terms implementing the Proposals in respect of the Existing Tier 2 Notes was executed and Nationwide was substituted in place of Virgin Money in its capacity as issuer and principal debtor under the Existing Tier 2 Notes and all rights, claims or entitlements against Virgin Money in its capacity as former issuer and principal debtor under the Existing Tier 2 Notes were released and waived, effective 2 July 2025 (such date being the Implementation Date).

A copy of each of the Supplemental Trust Deed, the Supplemental Agency Agreement and the Amended and Restated Final Terms in respect of the Existing Tier 2 Notes is available at: https://www.nationwide.co.uk/investor-relations/emtn-terms-of-access/emtn-programme/.

A copy of the Amended and Restated Final Terms can also be found at:

Tabulation Agent

Nationwide

Vikas Sidhu

Head of Investor Relations and Treasury Sustainability

Nationwide Building Society

Nationwide House

Pipers Way

Swindon SN38 1NW

*LEI: 549300XFX12G42QIKN82