Terms and Conditions

Lumo Energy
Offer of 10,000 Velocity Points will only be available to Velocity Members. You must be an Australian resident and over 18 years of age. This offer is available in New South Wales, Queensland, Victoria, and South Australia in areas where Lumo Energy is able to supply its services. This offer is not available in the Northern Territory, Western Australia, ACT or Tasmania. This offer is valid from the 15th September 2011 and is subject to change at the discretion of Lumo Energy. Offer is only valid when you sign up to a 24 month contract on the Lumo Velocity product for your residential Electricity and Gas or Electricity. The 10,000 bonus points will be supplied by Velocity to a Velocity Member who signs up to a 24 months contract with Lumo Energy within 10 business days of the end of their contract cooling-off period.

The bonus earn points are payable on the receipt of the payment being received from your financial institution; earn points will only be payable on the invoice amount issued by Lumo Energy. The earn points are payable by Lumo Energy within 10 days of receipt of your payment of the invoice. Further terms and conditions apply and can be found at www.lumoenergy.com.au/velocity

Allianz Global Assistance
Points values shown are correct as at 01 March 2011 and are subject to change. Virgin Australia Airlines Pty Ltd ABN 36 090 670 AR 279723 is an authorised representative of ETI Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631. Travel Insurance is arranged and managed by ETI Australia Pty Ltd and is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708. This is general information only and does not consider your personal circumstances. You should consider the Combined Financial Services Guide, Product Disclosure Statement and Policy Wording available from us before making any decisions about this product.

Virgin Money-Car Insurance
Offer of 5,000 Velocity Points when you purchase a Virgin Car Insurance policy before 30 June 2013 is available to Velocity Members only. You must be an Australian resident and over 18 years of age. This offer is available in New South Wales, Queensland, Victoria, South Australia, Australian Capital Territory, Western Australia and Tasmania. This offer is not available in the Northern Territory. This offer is valid from 1 July 2012 to 31 March 2013 and is subject to change at the discretion of Virgin Money. Offer is only valid if you purchase a new Virgin Car Insurance policy online at www.virginmoney.com.au/carinsurance/velocity or by calling 1800 654 012. Offer is not available to existing Virgin Car Insurance customers or if the policy is cancelled within the 21 day cancellation period. The insurance policy and Velocity Frequent Flyer membership Account must be in the same name and the car insurance policy must not be cancelled within 21 days of purchase in order to receive the Points. Points will be credited to your Velocity Account up to 90 days after the car insurance policy has commenced. This offer cannot be used in conjunction with other Virgin Money offers, is non- redeemable for cash and is non transferrable. Not available on policy renewal.

Promoter: Virgin Money (Australia) Pty Limited (Virgin Money) Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd AFSL 286869. Auto & General Services Pty Ltd arranges the insurance on behalf of Auto & General Insurance Company Ltd (Auto & General). As we don't know your financial needs we can't advise if this insurance will suit you. Consider your needs and the Product Disclosure Statement (PDS) before making a decision to buy this product. Auto & General pays Virgin Money a commission which is a percentage of your premium. For further details see the Financial Services Guide (FSG). View a copy of the PDS and Financial Services Guide at virginmoney.com.au. Approved applicants only. Insurance not available in the Northern Territory.

Virgin Money-Saver
Velocity Points offer is provided to new Virgin Saver account holders who open an account 01 August 2012 – 30 June 2013, supply a valid Velocity membership number in their own name at the time of application and activate their account (by depositing any amount) within 1 month of account opening. We will give you 1,000 Velocity Points for every $10,000 deposited within 6 months of account opening and maintained in your Virgin Saver account for at least 6 months (i.e. $20,000 deposited and maintained for 6 months = 2,000 Points, $15,000 deposited and maintained for 6 months = 1,000 Points). We will only credit Points based on new amounts deposited and maintained for at least 6 months. Points earn eligibility ceases 6 months from account opening. Points are not earned on interest credited to the account. Points will only be credited once for each eligible $10,000. The Offer can only be used once per person and is not available to pre-existing Virgin Saver Customers. This offer is valid until 30 June 2013 and is subject to change without notice at the discretion of Virgin Money. Points will be credited to the Virgin Saver Account holder’s Velocity Account up to 60 days after the 6 month qualifying period. This offer is not redeemable for cash, is non-transferrable and can’t be used in conjunction with other Virgin Saver promotions or offers. Total balances of $250,000 or less will automatically access (fee free) the Australian Government Guarantee under the Financial Claims Scheme. As Citibank issues the Virgin Saver and is the registered ADI under the Financial Claims Scheme, the sum of all balances held in Virgin Saver and any other Citibank accounts will be covered by the Australian Government Guarantee up to a maximum of $250,000 per person. For more information go to www.apra.gov.au or call 1300 55 88 49. Terms & Conditions apply and are available by clicking here. As this is an online account we can only accept electronic deposits and cheques, and all withdrawals must be made to your nominated linked account. While there are no fees payable on your Virgin Saver Account whatsoever, fees may apply to your nominated linked account. Please check with the relevant financial institution where your nominated linked account is held. Any advice is of a general nature only. We haven’t taken into account your objectives, financial situation, or needs when preparing it. Before acting on this advice you should consider if it's appropriate for your situation. Details about our dispute resolution system can be found by clicking here. Virgin Money (Australia) Pty Limited ABN 75 103 478 897 AR No 280884 promotes and distributes Virgin Saver as an Authorised Representative of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL No. 286869. Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 (“Citibank”) is the issuer of Virgin Saver.

Virgin Money-Super
This offer to earn 1,000 Points for every $10,000 you roll over is valid until 30 June 2013 and is subject to change at the discretion of Virgin Money. You must be a Member of Velocity prior to joining Virgin Super and supply your Velocity Membership Number in order to be eligible for this offer. You must be an Australian resident and over 18 years of age to be eligible for this offer. This offer is not available to existing Virgin Super members. Virgin Super must receive your rollover or 9% SG employer contribution within 6 months of the date you join Virgin Super. Velocity Points will be credited to your Velocity account up to 90 days after Virgin Super have received the rollover funds or 9% SG employer contribution funds. Velocity Points only apply to the first $100,000 you rollover, capped at 10,000 Velocity Points per person. The maximum Velocity Points you can earn is 11,000 Velocity Points. This offer is not redeemable for cash and is not transferrable. Your old fund may charge you for leaving them, your insurance cover may cease and it may take 1 month or more to rollover your super to us. This info is of a general nature only and doesn’t take into account your personal financial situation and needs. Please read our PDS available at virginmoney.com.au.

Before consolidating super you should check to see if insurance or other benefits will be impacted or lost. Some funds may also charge withdrawal or exit fees.

Based on membership costs for a $50K account balance invested in the funds default or balanced investment option. Information sourced from an external provider SuperRatings Pty Ltd December 2012 and is based on a sample of funds from within the Super industry. Management fees only include investment, administration and membership fees. Figures supplied by SuperRatings Pty Ltd are Virgin Super ($502), Retail Fund Average ($961). Retail funds are defined as Retail Master Trusts. Virgin Money has received permission from SuperRatings Pty Ltd to publish this information and does not endorse or accept responsibility for the accuracy or completeness of the information provided by SuperRatings Pty Ltd. You should not rely on these figures as a complete picture, as the actual fees applied to a person's account will vary depending on a number of factors such as super fund, fee structure, transactions undertaken, account balance, tax treatment, contribution amount and timings. Information above supplied by Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869 (Virgin Money) as Promoter for Virgin Super ABN 88 436 608 094 and is of a general nature only. When making any decisions about Virgin Super you should consider the Product Disclosure Statement issued by Trust Company Superannuation Services Limited ABN 49 006 421 638, AFSL 235153, RSE as Trustee for Virgin Super ABN 88 436 608 094, which can be found on virginmoney.com.au before making a decision about whether Virgin Superannuation fits your objectives, financial situation and needs.

Virgin Money-Life Insurance
Terms and Conditions: 10,000 bonus Velocity Points offer is provided to new Virgin Life Insurance policyholders who take out a policy by 30 June 2013 and maintain their premium payments and policy for a minimum of 6 months from first premium payment (the ‘Qualifying Period’). The customer’s Velocity Number must be supplied at the time of application. This offer is valid until 31 March 2013 and is subject to change at the discretion of Virgin Money. Points will be credited to the Primary Policy holder’s Velocity Account up to 60 days after the Qualifying Period. This offer is not redeemable for cash, is non-transferable and can’t be used in conjunction with other Virgin Life Insurance promotions or offers. Maximum of 10,000 Velocity Points per Velocity Account and Policy. Offer is not available to current Virgin Life Insurance policyholders. This information is general advice only and does not take into account your personal financial situation, needs or objectives. Please consider the Product Disclosure Statement available at virginmoney.com.au before deciding to buy this product. Promoted by Virgin Money (Australia) Pty Limited ABN 75 103 478 897, authorised representative No 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869, and distributed by TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. Insurance issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848

IBISWorld
Allow up to 90 business days for Velocity Points to appear in your account. Velocity Points can only be earned with the purchase of the following reports: Australian Industry, Australian Industry Risk Rating, Global Industry and Premium Australian Company. Purchases are subject to full IBISWorld Terms and Conditions available at www.ibisworld.com.au. Velocity members must provide their Velocity membership number at the time of purchase to earn Velocity Points.