or territory." Guardian Ins. Co. v. Bain Hogg Int'l Ltd., Civ. No. 1996-180, 2000 U.S. Dist. LEXIS 17184 at *8 (D.V.I. October 26, 2000) (quoting Godfrey v. International Moving Consultants, Inc., 18 V,I. 60, 66-67 (D.V.I. 1980)). It is sufficient, therefore, that Citibank entered into a contract with a Virgin Islands resident, and that the