1. You consent to Virgin Money and Citibank communicating electronically with you about the account(s). You nominate and authorise Virgin Money and Citibank to act on instructions it has received electronically. This consent and authority will apply to all communications permitted to take place electronically by law (including any applicable industry Code or Code of Conduct) including but not limited to: (a) statements of your account; (b) notices and other documents from us to you about your account;
(c) variations to the contract relating to your account; and (d) notices from you to us.

2. We will rely on this consent to communicate with you by: (a) electronic mail ("e-mail") to the e-mail address that you have notified to us; (b) making a notice available for you to access on our website; (c) any other method of electronic communication; and/or (d) ordinary mail to the address on our records. For example, we will send an email to your email address each month to tell you that the statement of your account can be viewed online.

3. By giving this consent, we are no longer required to send you notices or other documents in paper form for the account.

4. You must ensure that: (a) you check your email regularly for notices and other communication from us; (b) your email address remains current (or otherwise notified to us); and (c) emails from us to your email address are not blocked.

5. We rely on you to keep your nominated e-mail or physical (street) address details up-to-date and to notify us when they change.

6. Providing you with electronic statements does not alter your obligations under any terms and conditions of the account. You can print and save a copy of any notice or other document provided to you electronically. You are responsible for ensuring that you maintain the appropriate software and hardware, including printer to access, view, retrieve, print and save a copy of such documents. To see and keep the information subject to this consent, you will need a web browser that meets our site security requirements. If you are a PC user, you will need Netscape Communicator/Navigator 4.06 (or higher) or Microsoft Internet Explorer 4.0 (or higher).

7. Returning to Paper Statements: You can go back to receiving paper notices and other documents by calling us on 13 37 39 or by notifying us in writing withdrawing this consent. lf you decide to return to paper notices and other documents, you are asking to receive those documents on paper, delivered by post to your nominated street address.