File: D:/hMailServer/Data/sarahharvey.com/bob/0D/{0D6D5226-FFBA-4926-BC11-E147048A43A1}.eml
Received: from mta-15-226-149.klarna.com.sparkpostmail.com (mta-15-226-149.klarna.com.sparkpostmail.com [199.15.226.149])
by mail.itpartnership.com with ESMTPS
(version=TLSv1.2 cipher=ECDHE-RSA-AES128-GCM-SHA256 bits=128)
; Fri, 22 May 2026 11:35:12 +0100
Received: from [10.95.215.243] ([10.95.215.243])
by i-0d67b0256590868d4.mta3vrest.sd.prd.sparkpost (ecelerity 5.2.0.75900 r(msys-ecelerity:tags/5.2.0.29)) with REST
id AC/A0-18342-061301A6; Fri, 22 May 2026 10:35:12 +0000
From: "Klarna" <noreply@hello.klarna.com>
To: <bob@sarahharvey.com>
Subject: Does Klarna affect your credit score?
Date: Fri, 22 May 2026 11:35:12 +0100
Message-ID: <AC.A0.18342.061301A6@i-0d67b0256590868d4.mta3vrest.sd.prd.sparkpost>
MIME-Version: 1.0
Content-Type: multipart/alternative;
boundary="----=_NextPart_000_22CC_01DCF1E3.7090A4B0"
X-Mailer: Microsoft Outlook 16.0
List-Unsubscribe: <mailto:unsubscribe@eu.sparkpostmail.com?subject=unsubscribe:ywNQtbwZ-XVKRSrov2DsX0HxnJCM7mo-KXay49FEED4~|eyAicmNwdF90byI6ICJib2JAc2FyYWhoYXJ2ZXkuY29tIiwgInRlbmFudF9pZCI6ICJzcGNldSIsICJjdXN0b21lcl9pZCI6ICIyMTk0NyIsICJzdWJhY2NvdW50X2lkIjogIjMiLCAibWVzc2FnZV9pZCI6ICI2YTBmNjAzMTEwNmE1ZmExMGFjYSIgfQ~~>,<https://unsubscribe.eu.spmta.com/u/eJwmxUX9Rrfa5fEjHYJ1Sg~~/AABVuxA~/gNjjq77SgP6paJW44GmvQCkmc3Xff9BZXjFn1A4Q2APMPbp8lXpc570P4uQ45yGnv3uz7syXXl6ksaD14ayj1g~~>
X-MSFBL: 8DPwzxZwrKyleXnzPrG+/f/8W3a3jKGR3Xe0Kaq6rNM=|eyJjdXN0b21lcl9pZCI
6IjIxOTQ3Iiwic3ViYWNjb3VudF9pZCI6IjMiLCJ0ZW5hbnRfaWQiOiJzcGNldSI
sInIiOiJib2JAc2FyYWhoYXJ2ZXkuY29tIiwibWVzc2FnZV9pZCI6IjZhMGY2MDM
xMTA2YTVmYTEwYWNhIn0=
Thread-Index: AQD4bAleG3O1HKcPiqeXkOEqnBxvJw==
X-OlkEid: 00000000CC09373165EA424894A88D7C135300090700C3B68E10F77511CEB4CD00AA00BBB6E600000000000B0000F3CAA7D39DC9FE498D8F5D237175EB7800000000C4500000BA7EB3941FD5E249BA7833E6CFB75FD1
This is a multipart message in MIME format.
------=_NextPart_000_22CC_01DCF1E3.7090A4B0
Content-Type: text/plain;
charset="utf-8"
Content-Transfer-Encoding: 8bit
<https://click.hello.klarna.com/q/qAdsh2aaEjNrAlylIt2G6A~~/AABVuxA~/AoAgxx4EWT8uheXU7lc-eHCzhS0-nurUcZkehb20RanF2SkoiQQy1SdMgpr626-S0h-yBaA1kJvKtcJyz5oGPw~~>
Here’s what to know
Klarna and your credit score explainedSimply using Klarna does not impact your credit score, but if you are late
with a payment, we will report that to credit bureaus. The good news? Paying
on time or early will also be reported, which might look positive to other
lenders. This is great for choosing the right Klarna option without
affecting your credit unnecessarily.
Learn more
<https://click.hello.klarna.com/f/a/eXFnSrm228jLfNFgTvTmUA~~/AABVuxA~/WV4OMZdl2oBAWDvMS76XURwOHCfOY_VoX7amSHwDB-RuVa8eV89fY32El5ETJgDGXhmZgFWnwko75dh_sG61U4ZPHCtjD1C2_jFjqlMq1AbAz7DfpCwKplZkeOiD2op5j3saZV36pyIcO4rbbN4LKQsI5Cx2p_IKVcmu1XyyaKeXVg9jSs_He4J2xNj-hSqk>
<https://locker.klarna.com/transform/c46aebf6-8618-4e0e-910d-c708a223a01e/Email_Disclaimer_Info_Prominent_1x1_Global>
Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Klarna
Financing is regulated by the FCA. Borrowing more than you can afford or
paying late may negatively impact your financial status and ability to
obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late
fees apply.How Klarna handles credit checks
Klarna uses soft credit checks depending on the payment option. Soft credit
checks are used for Pay in 3, Pay in 30 days and Financing Plans and do not
impact your credit score. Late payments will be reported to credit agencies. <https://locker.klarna.com/transform/b1a1679d-cd75-4428-b9d8-13eb3e56a60c/
Email_File_Icon_1x1>
Soft credit checksUsed for Pay in 3, Pay in 30 days, and Financing plans. The check is not
visible to lenders, and do not impact credit scores. <https://assets.klarnacdn.net/f:webp/q:70/image/938abda9-7e8c-48cd-91e2-b7
291e9aa627/Email_Feature_Clock_1x1_Global.png>
Late paymentsMissed payments on Pay in 3, Pay in 30 days, and financing plans will be
reported to credit agencies.Get Klarna App for: iOS
<https://click.hello.klarna.com/f/open-in-app/7VFvKSwqwZPys9A3_luZAw~~/AABVuxA~/FNQD4m2f-h_QHCcPQ0aHFCPiiScNSTW7Nx_vE1YM5PIjovzoiee3hX347psPXDmZx56rpq6bHUB9iqD7StAP080dI_bUPzutIBs7J5ZA-hq-W1wbaqkuR-HQw55yK-5vEO8kfsM9UlVR8s6UXaUQ2ifmPabH7XV5U3V_UH_64Xh-fuWjLEZq0bKuUtbYsnu4aIuMaSfYFK2FlheafUJibzeYKTfiaIZ7WlfI0os72l10y4Qq4J5TGnri33N3Ewz8JFeW232pNE5aIOivl-d4fKMq9GawmXSplM0bYGqrx-1GlzCaKkahotFoAmbWhNd7gngJib4yqHAQRU1ptMc51lnBVBWgh935yUrJ0LJ23AlcjWbCqHAl2xsB85btRw2t>
| Android
<https://click.hello.klarna.com/f/open-in-app/7VFvKSwqwZPys9A3_luZAw~~/AABVuxA~/FNQD4m2f-h_QHCcPQ0aHFCPiiScNSTW7Nx_vE1YM5PIjovzoiee3hX347psPXDmZx56rpq6bHUB9iqD7StAP080dI_bUPzutIBs7J5ZA-hq-W1wbaqkuR-HQw55yK-5vEO8kfsM9UlVR8s6UXaUQ2ifmPabH7XV5U3V_UH_64Xh-fuWjLEZq0bKuUtbYsnu4aIuMaSfYFK2FlheafUJibzeYKTfiaIZ7WlfI0os72l10y4Qq4J5TGnri33N3Ewz8JFeW232pNE5aIOivl-d4fKMq9GawmXSplM0bYGqrx-1GlzCaKkahotFoAmbWhNd7gngJib4yqHAQRU1ptMc51lnBVBWgh935yUrJ0LJ23AlcjWbCqHAl2xsB85btRw2t>
Klarna.com PrivacyCustomer
Service UnsubscribeBy clicking "Unsubscribe", you may at any time object to the use of this
email address for direct marketing (free of charge).
Klarna Financial Services UK Limited
Postal address: 10 York Road, London, SE1 7ND, United KingdomHave you received an email that might be a phishing attempt? You can report
suspicious emails with our online form
<https://click.hello.klarna.com/f/a/5c5lRRqT3JI5U2SvcIUvhA~~/AABVuxA~/VR39k7nfDZUINV1dcBiYh_kkD5zgTICDHnLnETBEYFuZcsRBtb3S_4m6SdKtKQ_i9TyaIz-RJMSp8lyLJEjOj-q4eeJO42URtbjFuhymqmG6OLuYygHfgC4YXwOhVFRCBbfLubu1H2eh4FbS2uixzg~~>
. Learn more
<https://click.hello.klarna.com/f/a/ASvqRIBZjDK01DsyMqCAYg~~/AABVuxA~/K6m2Q5qMr93ZID4W9mjkEPFcE0WMloc3HjDLy7ZifGOimQLbv2_QvoASLFcsIRghZMPExmWsOsAlm4YGjUJlASEick80o281-HZQcLEhIl-3gj286PGEMqtShHIQ2XxO>
about how to spot phishing scams and fraud more effectively.Klarna Financial Services UK Limited ("Klarna") is authorised and regulated
by the Financial Conduct Authority ("FCA") for carrying out regulated
consumer credit activities (firm reference number 987889) and the provision
of payment services and the issuing of electronic money under the Electronic
Money Regulations 2011 (firm reference number 1021834). Klarna Financial
Services UK Limited offers both regulated and unregulated products. Klarna’s
interest free and pay up to 12 months Financing agreements, Pay in 3
instalments and Pay in 30 days agreements are not regulated by the FCA.
Incorporated in England (company number 14290857), with its registered
office at 10 York Road, London, SE1 7ND. <https://click.hello.klarna.com/q/e2JKU1SViTzOOvFfaGYyNw~~/AABVuxA~/FpCsWt3YBHJi0zmUMlKaATM4aWSA6OXMr8RSPTLHHma6Cm6sJTMsB6DI7sDyPKFTh27kKaUB3q5yJroSWLCV1g~~>
------=_NextPart_000_22CC_01DCF1E3.7090A4B0
Content-Type: text/html;
boundary="_----y1tZJj54STU/zC+/f4/ndw===_2C/A0-18342-061301A6";
charset="utf-8"
Content-Transfer-Encoding: quoted-printable
<!doctype html>=0A=
<html xmlns=3D"http://www.w3.org/1999/xhtml" lang=3D"en" =
xmlns:lang=3D"en" xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:o=3D"urn:schemas-microsoft-com:office:office"><head><meta =
http-equiv=3D"Content-Type" content=3D"text/html; charset=3DUTF-8"><meta =
charset=3D"utf-8"><meta name=3D"viewport" =
content=3D"width=3Ddevice-width"><meta http-equiv=3D"X-UA-Compatible" =
content=3D"IE=3Dedge"><meta =
name=3D"x-apple-disable-message-reformatting"><meta =
name=3D"format-detection" =
content=3D"telephone=3Dno,address=3Dno,email=3Dno,date=3Dno,url=3Dno"><me=
ta name=3D"color-scheme" content=3D"light"><meta =
name=3D"supported-color-schemes" =
content=3D"light"><title></title><!--[if gte mso 9]>=0A=
<xml>=0A=
<o:OfficeDocumentSettings>=0A=
<o:AllowPNG/>=0A=
<o:PixelsPerInch>96</o:PixelsPerInch>=0A=
</o:OfficeDocumentSettings>=0A=
</xml>=0A=
<![endif]--><!--[if mso]>=0A=
<style>=0A=
* {=0A=
font-family: sans-serif !important;=0A=
}=0A=
</style>=0A=
<![endif]--><style type=3D"text/css">:root{color-scheme:light =
dark;supported-color-schemes:light =
dark}.inherit-font{font-weight:inherit!important;font-size:inherit!import=
ant;line-height:inherit!important}.richtext-link{color:#000!important;tex=
t-decoration:underline!important}.sticky-note{background-color:#e6ffa9!im=
portant;color:#000!important}.eggplant{background-color:#2c2242!important=
;color:#fffffe!important}.pink{background-color:#ffdceb!important;color:#=
000!important}.herring{background-color:#e4e3df!important;color:#000!impo=
rtant}.klarna-black{background-color:#0b051d!important;color:#fffffe!impo=
rtant}.whitetxt{color:#000!important}.darktxt{color:#fffffe!important}.wh=
iteBorder{border-color:#000!important}.darkBorder{border-color:#fff!impor=
tant}.subtleinlinedark{background-color:#f5f5f5!important}.accenttxt{colo=
r:#4a20ba!important}.email-inverted-roundel{background-color:#0c0c0c!impo=
rtant}.email-muted-vertical-rule{background-color:#d9d9d9!important;line-=
height:0!important;font-size:0!important;padding:0!important;vertical-ali=
gn:top!important;overflow:hidden!important;mso-line-height-rule:exactly;b=
ox-sizing:border-box}@media =
(prefers-color-scheme:dark){.darkbg{background-color:#000!important}.wrap=
to100pc{background-color:#000!important}table.merchant-carrier-asset.wrap=
to100pc{background-color:#3a3a3a!important}table.merchant-carrier-asset.w=
rapto100pc>tbody>tr>td{background-color:#3a3a3a!important}.qr{background-=
color:#000!important}.whitebg{background-color:#fffffe!important}.blackbg=
{background-color:#000!important}.subtledark{background-color:#303030!imp=
ortant}.subtleinlinedark{background-color:#272727!important}.errordarkbg{=
background-color:#4f1209!important}.darkrightborder{border-right-color:#0=
00!important}[data-ogsc] =
.darkrightborder{border-right-color:#000!important}.whiteBorder{border-co=
lor:#fff!important}[data-ogsc] =
.whiteBorder{border-color:#fff!important}.darkBorder{border-color:#000!im=
portant}[data-ogsc] =
.darkBorder{border-color:#000!important}.whitetxt{color:#fffffe!important=
}.darktxt{color:#000!important}.accentdark{color:#d0afff!important}.neutr=
aldark{color:#aaa!important}.successdark{color:#88dba5!important}.errorda=
rk{color:#e85c4a!important}.warningdark{color:#ffcf70!important}.yellowbg=
{background-color:#fff999!important}.inherit-font{font-weight:inherit!imp=
ortant;font-size:inherit!important;line-height:inherit!important}[data-og=
sc] =
.inherit-font{font-weight:inherit!important;font-size:inherit!important;l=
ine-height:inherit!important}.richtext-link{color:#fffffe!important;text-=
decoration:underline!important}[data-ogsc] =
.richtext-link{color:#fffffe!important;text-decoration:underline!importan=
t}.sticky-note{background-color:#132905!important;color:#fffffe!important=
}[data-ogsc] =
.sticky-note{background-color:#132905!important;color:#fffffe!important}.=
pink{background-color:#442a36!important;color:#fffffe!important}[data-ogs=
c] =
.pink{background-color:#442a36!important;color:#fffffe!important}.eggplan=
t{background-color:#e1d5f7!important;color:#000!important}[data-ogsc] =
.eggplant{background-color:#e1d5f7!important;color:#000!important}.herrin=
g{background-color:#343330!important;color:#fffffe!important}[data-ogsc] =
.herring{background-color:#343330!important;color:#fffffe!important}.klar=
na-black{background-color:#faf7fe!important;color:#000!important}[data-og=
sc] =
.klarna-black{background-color:#faf7fe!important;color:#000!important}.ac=
centtxt{color:#d0afff!important}[data-ogsc] =
.accenttxt{color:#d0afff!important}.email-inverted-roundel{background-col=
or:#fffffe!important}[data-ogsc] =
.email-inverted-roundel{background-color:#fffffe!important}.email-muted-v=
ertical-rule{background-color:#555!important}[data-ogsc] =
.email-muted-vertical-rule{background-color:#555!important}[data-ogsc] =
.darkbg{background-color:#000!important}[data-ogsc] =
.wrapto100pc{background-color:#000!important}[data-ogsc] =
table.merchant-carrier-asset.wrapto100pc{background-color:#3a3a3a!importa=
nt}[data-ogsc] =
table.merchant-carrier-asset.wrapto100pc>tbody>tr>td{background-color:#3a=
3a3a!important}[data-ogsc] =
.qr{background-color:#000!important}[data-ogsc] =
.whitebg{background-color:#fffffe!important}[data-ogsc] =
.blackbg{background-color:#000!important}[data-ogsc] =
.subtledark{background-color:#303030!important}[data-ogsc] =
.subtleinlinedark{background-color:#272727!important}[data-ogsc] =
.errordarkbg{background-color:#4f1209!important}[data-ogsc] =
.whitetxt{color:#fffffe!important}[data-ogsc] =
.darktxt{color:#000!important}[data-ogsc] =
.accentdark{color:#d0afff!important}[data-ogsc] =
.neutraldark{color:#aaa!important}[data-ogsc] =
.successdark{color:#88dba5!important}[data-ogsc] =
.errordark{color:#e85c4a!important}[data-ogsc] =
.warningdark{color:#ffcf70!important}[data-ogsc] =
.yellowbg{background-color:#fff999!important}}</style><style>body,html{Ma=
rgin:0 =
auto!important;padding:0!important;height:100%!important;width:100%!impor=
tant}body{-webkit-font-smoothing:antialiased;-moz-font-smoothing:antialia=
sed;-o-font-smoothing:antialiased}*{-ms-text-size-adjust:100%;-webkit-tex=
t-size-adjust:100%}div[style*=3D"Margin: 16px =
0"]{Margin:0!important}#MessageViewBody,#MessageWebViewDiv{width:100%!imp=
ortant}table,td{mso-table-lspace:0pt!important;mso-table-rspace:0pt!impor=
tant}sup{line-height:0;font-size:75%}th{font-weight:400;padding:0;border-=
collapse:collapse}table{border-spacing:0!important;border-collapse:collap=
se!important;table-layout:fixed!important;Margin:0 =
auto!important}a{text-decoration:none}img{-ms-interpolation-mode:bicubic}=
.aBn,.unstyle-auto-detected-links =
a,a[x-apple-data-detectors]{border-bottom:0!important;cursor:default!impo=
rtant;color:inherit!important;text-decoration:none!important;font-size:in=
herit!important;font-family:inherit!important;font-weight:inherit!importa=
nt;line-height:inherit!important}.im{color:inherit!important}.a6S{display=
:none!important;opacity:.01!important}img.g-img+div{display:none!importan=
t}.faux-absolute{max-height:0;position:relative;opacity:.999}.faux-positi=
on{Margin-top:0;Margin-left:0;display:inline-block;text-align:center}.fau=
x-absolute-logo{display:inline;Margin-left:-50px;Margin-top:15px;text-ali=
gn:center;position:absolute}body[data-outlook-cycle] =
.image{width:300px}</style><style>@media screen and =
(max-width:480px){u~div =
.wrapper{min-width:100vw}.mobilecontent{display:block!important;max-heigh=
t:none!important}.show{display:block!important}.mobPad{padding-left:20px!=
important;padding-right:20px!important}.wrapto100pc{width:100%!important;=
height:auto!important}table.merchant-carrier-asset.wrapto100pc{width:100%=
!important;max-width:158px!important;height:105px!important}table.merchan=
t-carrier-asset.wrapto100pc>tbody>tr>td{height:105px!important}table.merc=
hant-carrier-logo{width:64px!important;height:64px!important}table.mercha=
nt-carrier-logo =
img{width:64px!important;height:64px!important}.wrapto75pc{width:75%!impo=
rtant;height:auto!important}.wrapto50pc{width:50%!important;height:auto!i=
mportant}.wrapto66pc{width:66%!important;height:auto!important;display:ta=
ble-cell!important}.wrapto47pc{width:47%!important;height:auto!important;=
display:table-cell!important}.wrapto48pc{width:48%!important;height:auto!=
important;display:table-cell!important}.wrapto35pc{width:35%!important;he=
ight:auto!important;display:table-cell!important}.wrapto32pc{width:32%!im=
portant;height:auto!important;display:table-cell!important}.wrapto28pc{wi=
dth:28%!important;height:auto!important;display:table-cell!important}.wra=
pto30pc{width:30%!important;height:auto!important}.wrapto4pc{width:4%!imp=
ortant;height:auto!important;display:table-cell!important}.vh86{width:100=
%!important;height:86vw!important}.vh57{width:100%!important;height:57vw!=
important}.vw57{width:57vw!important;height:auto!important}.vh28{width:10=
0%!important;height:28vw!important}.vw28{width:28vw!important;height:auto=
!important}.vw1{width:1vw!important;height:1vw!important}.tablecell{displ=
ay:table-cell!important}.nomob{display:none!important;width:0!important;h=
eight:0!important}.textleft{text-align:left!important}.textcenter{text-al=
ign:center!important}.imgcenter{Margin-left:auto!important;Margin-right:a=
uto!important}.padtop20{padding:20px 0 0 =
0!important}.padtop15{padding:15px 0 0 0!important}.padtop5{padding:5px =
0 0 =
0!important}.padbot1vw{padding-bottom:1vw!important}.pad0{padding:0!impor=
tant}.stack-column,.stack-column-center{display:block!important;width:100=
%!important;max-width:100%!important;direction:ltr!important}.stackholder=
{display:table;width:100%}.stacktop{display:table-header-group!important}=
.stackbottom{display:table-footer-group!important}.box70{width:70px!impor=
tant;height:70px!important}.inlineBlock{display:inline-block!important}.w=
idth11pc{width:5%!important}.padBot15{padding-bottom:15px!important}.mobP=
adBleed{padding-left:0!important;padding-right:0!important}.mobPadTop20{p=
adding-top:20px!important;padding-bottom:20px!important}.box70{width:70px=
!important;height:70px!important}}</style><style =
type=3D"text/css">@media screen and =
(max-width:480px){.reset{width:100%!important;height:auto!important}.hide=
{display:none!important}.over-mob{max-height:270px!important}.hero-textbo=
x{width:100%!important}.left{text-align:left!important}}@media screen =
and (max-width:428px){.over-mob{max-height:220px!important}}@media =
screen and =
(max-width:375px){.over-mob{max-height:190px!important}}</style><style>@m=
edia{@import =
url('https://fonts.googleapis.com/css2?family=3DRoboto+Condensed&display=3D=
swap');@font-face{font-family:'Klarna =
Text';font-weight:400;src:url("https://x.klarnacdn.net/ui/fonts/v1.2/Klar=
naText-Regular.woff2") =
format('woff2'),url("https://x.klarnacdn.net/ui/fonts/v1.2/KlarnaText-Reg=
ular.woff") format('woff')}@font-face{font-family:'Klarna =
Text';font-weight:700;src:url("https://x.klarnacdn.net/ui/fonts/v1.2/Klar=
naText-Bold.woff2") =
format('woff2'),url("https://x.klarnacdn.net/ui/fonts/v1.2/KlarnaText-Bol=
d.woff") format('woff')}@font-face{font-family:'Klarna =
Text';font-weight:400;font-style:italic;src:url("https://x.klarnacdn.net/=
ui/fonts/v1.2/KlarnaText-Italic.woff2") =
format('woff2'),url("https://x.klarnacdn.net/ui/fonts/v1.2/KlarnaText-Ita=
lic.woff") format('woff')}@font-face{font-family:'Klarna =
Text';font-weight:700;font-style:italic;src:url("https://x.klarnacdn.net/=
ui/fonts/v1.2/KlarnaText-BoldItalic.woff2") =
format('woff2'),url("https://x.klarnacdn.net/ui/fonts/v1.2/KlarnaText-Bol=
dItalic.woff") format('woff')}@font-face{font-family:'Klarna =
Text';font-weight:700;font-style:italic;src:url("https://x.klarnacdn.net/=
ui/fonts/v1.2/KlarnaText-BoldItalic.woff2") =
format('woff2'),url("https://x.klarnacdn.net/ui/fonts/v1.2/KlarnaText-Bol=
dItalic.woff") format('woff')}@font-face{font-family:"Klarna =
Title";font-weight:700;src:url("https://x.klarnacdn.net/ui/fonts/v1.5/Kla=
rnaTitle-Bold.woff2") =
format('woff2'),url("https://x.klarnacdn.net/ui/fonts/v1.5/KlarnaText-Bol=
d.woff") format('woff')}@font-face{font-family:'Roboto =
Condensed';font-style:normal;font-weight:400;font-display:swap;src:url(ht=
tps://fonts.gstatic.com/s/robotocondensed/v27/ieVo2ZhZI2eCN5jzbjEETS9weq8=
-_d6T_POl0fRJeyWyosBO5XxjLdSL17o.woff2) format('woff2')}}</style><style =
type=3D"text/css">.bluelinks =
a{color:#555!important;text-decoration:none!important}</style></head><bod=
y width=3D"100%" style=3D"Margin:0;padding:0 =
!important;mso-line-height-rule:exactly;background-color:#fefefe" =
class=3D"darkbg">
<div =
style=3D"color:transparent;visibility:hidden;opacity:0;font-size:0px;bord=
er:0;max-height:1px;width:1px;margin:0px;padding:0px;border-width:0px!imp=
ortant;display:none!important;line-height:0px!important;"><img =
border=3D"0" width=3D"1" height=3D"1" =
src=3D"https://click.hello.klarna.com/q/qAdsh2aaEjNrAlylIt2G6A~~/AABVuxA~=
/AoAgxx4EWT8uheXU7lc-eHCzhS0-nurUcZkehb20RanF2SkoiQQy1SdMgpr626-S0h-yBaA1=
kJvKtcJyz5oGPw~~" alt=3D""/></div>
<center role=3D"article" aria-roledescription=3D"email" lang=3D"en" =
style=3D"width:100%;background-color:#fefefe" class=3D"darkbg" =
xml:lang=3D"en">=0A=
<!--[if mso | IE]>=0A=
<table role=3D"presentation" border=3D"0" cellPadding=3D"0" =
cellSpacing=3D"0" width=3D"100%" =
style=3D"background-color:#fefefe"><tr><td>=0A=
<![endif]-->=0A=
=0A=
<!-- Visually Hidden Preheader Text : BEGIN -->=0A=
<!--[if !mso]><!-->=0A=
<div style=3D"display: none; max-height: 0px; overflow: =
hidden;mso-hide:all;">=0A=
<!-- Preheader -->=0A=
Here=E2=80=99s what to know=0A=
</div>=0A=
=0A=
<!-- Preview Text Spacing Hack : BEGIN -->=0A=
<div style=3D"display: none; font-size: 1px; line-height: 1px; =
max-height: 0px; max-width: 0px; opacity: 0; overflow: hidden; mso-hide: =
all; font-family: sans-serif;">=0A=
=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C&nbs=
p;=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C&n=
bsp;=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =0A=
</div>=0A=
<!-- Preview Text Spacing Hack : END -->=0A=
<!--<![endif]--><table align=3D"center" role=3D"presentation" =
width=3D"600" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
style=3D"width:600px" class=3D"wrapto100pc " =
bgcolor=3D"#ffffff"><tbody><tr><td valign=3D"top" align=3D"center" =
style=3D"padding:15px 40px 0px 40px" class=3D"mobPad"><table =
width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
role=3D"presentation"><tbody><tr><td valign=3D"top" align=3D"left"><a =
target=3D"_blank" clicktracking=3D"on" universal=3D"true" =
rel=3D"noreferrer" =
href=3D"https://click.hello.klarna.com/f/open-in-app/Qzd0mSbdgf3OOWwHG4_d=
tg~~/AABVuxA~/sgcRXfWH0nqwgJ58YYauJnB1jy7Zj8cvJjYy6I11re2QCPfMPk9BwfBOwzV=
dj3Vr5hKuclftRkbXbmjYe8HfahPnU2-xHnZa1DrDkiBcqzfS4Wc2a7qadF83DlMyaLhh_-61=
odTKg9qKlUQ46UOTeQf1e8GUzIhZvEdd7clPHNgaLGMNc_OvZwF3JkyM4VgOWz94yuqvFrgNa=
TItrqtnXKDJupjkoKFwVfxkVwW46JN4Fmb5Eo3eK-TSLqcoKU6vlAQ_5HeEFS2vnntQbuuJbf=
GMC9PR9ABDMfQW_yPWL_i4y08x_F_gF5WGRjDP8kljMGxpPUJHVzIMedEPjEQBah4MFMVRx9F=
4QzLcjq5Uil1Owkcz_ihA5B-pzGb97EQL4BMwuXbWsKYPSradjvRpEB5WuBNpPFtAC0wfnn4r=
IJz83Er3S8QJXYFtvnuMJIgMjfGhWluzZ34Tus-ueLgmHWkcBtOcKPE9n_lJuPquGOSjZAyqn=
JlYV7yD5gHdn5qmIP28HH5EKftr_s2iyGfZ1e9uodU5U95wrIWa8ApMtB2o-vqkWqX3gcC9wn=
pruT0R1d1twuu4Wq4n0Z5R5Zdp-jlqf0db7AmA5JaBZnCekPG7TE-W0NxLVbYxIzCsUlWUsdr=
ivEW9FAtmD9T6kRvDf01ZVfk4MdvhheF_fUJAfTsz8EK3818PQsN89Iq03P84HSrsbH7M9-8n=
AcVJGnf_Wswtco-448MZBt2OfV7Y-qer5prJ3FmEkwApqzaqEz7QFZiYTLkrfWss4_ra64rmp=
d3vbyR1eN6WM83rSGrID4psGQWXHOWEjc8rxyxxQYbaCxTZ32URgPng5NJD9qShpQgbfjBRuU=
TzZiCy7yU6YZw_7n5FmHrh60nV32xxjGxHQl_uCUGVGDqeQuobUQ9a7CAVGE4OI7Tv8xACrKv=
ewES44rpEVvfnGwdY5C43E4zUroqzAX1_DMveRErm6AxXxdGissC_8bkSPO1ZKbwnOR0IymIA=
bQ_Yy9e-QAwRaU0Fh2KjyIFRNwjq9i0GI3bSe5zx4NIuxKeSkxDLBgeD_HwUATiJyUdQGPEaH=
O6kC-uf"><img =
src=3D"https://locker.klarna.com/transform/9f7a2137-04ce-4e00-bbe9-9c306d=
89a9ff/Email_Header_Klarna_MarketingBadge_190x80_Global" width=3D"98" =
height=3D"40" style=3D"display:block;width:98px;height:40px" =
border=3D"0" =
alt=3D"Klarna"></a></td></tr></tbody></table></td></tr><tr><td =
valign=3D"top" align=3D"center" =
style=3D"font-size:30px;line-height:30px;height:30px"> </td></tr></t=
body></table><table align=3D"center" role=3D"presentation" width=3D"600" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D"width:600px" =
class=3D"wrapto100pc" bgcolor=3D"#ffffff"><tbody><tr><td valign=3D"top" =
align=3D"left" style=3D"padding:0px 0px 20px 0px"><table width=3D"100%" =
class=3D"whitetxt " cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
role=3D"presentation"><tbody><tr><td valign=3D"top" align=3D"left" =
class=3D"whitetxt mobPad" style=3D"font-family:'Klarna Title', 'Roboto =
Condensed', Arial, =
sans-serif;font-size:31px;line-height:33px;font-weight:700;padding:0px =
40px 10px 40px">Klarna and your credit score explained</td></tr><tr><td =
valign=3D"top" align=3D"left" class=3D"mobPad" =
style=3D"font-family:'Klarna Text', Arial, =
sans-serif;font-size:16px;line-height:25px;font-weight:400;padding:0px =
40px 20px 40px"><table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation"><tbody><tr><td =
class=3D"whitetxt " valign=3D"top" align=3D"left" =
style=3D"font-family:'Klarna Text', Arial, =
sans-serif;font-size:16px;line-height:25px;font-weight:400">Simply using =
Klarna does not impact your credit score, but if you are late with a =
payment, we will report that to credit bureaus. The good news? Paying on =
time or early will also be reported, which might look positive to other =
lenders. This is great for choosing the right Klarna option without =
affecting your credit unnecessarily.=0A=
=0A=
=0A=
</td></tr></tbody></table></td></tr><tr><td style=3D"padding:0px 40px =
20px 40px" class=3D"mobPad"><table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" role=3D"presentation" align=3D"left"><tbody><tr><td =
valign=3D"top" align=3D"left"><table border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" role=3D"presentation" align=3D"left"><tbody><tr><td =
valign=3D"top" align=3D"left" bgcolor=3D"#000000" class=3D"whitebg" =
style=3D"font-size:16px;line-height:18px;mso-padding-alt:12px =
20px;border-radius:42px;font-family:'Klarna Text', Arial, =
sans-serif;text-align:left;font-weight:700"><a target=3D"_blank" =
clicktracking=3D"on" rel=3D"noreferrer" =
style=3D"display:block;padding:12px =
20px;text-decoration:none;color:#ffffff" class=3D"darktxt" =
href=3D"https://click.hello.klarna.com/f/a/eXFnSrm228jLfNFgTvTmUA~~/AABVu=
xA~/WV4OMZdl2oBAWDvMS76XURwOHCfOY_VoX7amSHwDB-RuVa8eV89fY32El5ETJgDGXhmZg=
FWnwko75dh_sG61U4ZPHCtjD1C2_jFjqlMq1AbAz7DfpCwKplZkeOiD2op5j3saZV36pyIcO4=
rbbN4LKQsI5Cx2p_IKVcmu1XyyaKeXVg9jSs_He4J2xNj-hSqk">Learn =
more</a></td></tr></tbody></table></td></tr></tbody></table></td></tr></t=
body></table></td></tr></tbody></table><table align=3D"center" =
role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" style=3D"width:600px" class=3D"wrapto100pc" =
bgcolor=3D"#ffffff"><tbody><tr><td valign=3D"top" align=3D"center" =
class=3D"mobPad" style=3D"padding:0px 40px 40px 40px"><table =
width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
role=3D"presentation"><tbody><tr><td valign=3D"top" align=3D"left" =
width=3D"14" style=3D"width:14px;padding-top:4px"><img =
src=3D"https://locker.klarna.com/transform/c46aebf6-8618-4e0e-910d-c708a2=
23a01e/Email_Disclaimer_Info_Prominent_1x1_Global" width=3D"14" =
style=3D"width:14px" alt=3D"Disclaimer"></td><td valign=3D"top" =
align=3D"left" class=3D"whitetxt" style=3D"font-family:'Klarna Text', =
Arial, =
sans-serif;line-height:25px;font-weight:400;color:#000000;padding:0px =
10px"><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" role=3D"presentation"><tbody><tr><td class=3D"whitetxt" =
valign=3D"top" align=3D"left" style=3D"font-family:'Klarna Text', Arial, =
sans-serif;font-style:italic;font-size:16px;line-height:21px;font-weight:=
400">Klarna=E2=80=99s Pay in 3/Pay in 30 days are unregulated credit =
agreements. Klarna Financing is regulated by the FCA. Borrowing more =
than you can afford or paying late may negatively impact your financial =
status and ability to obtain credit. 18+, UK residents only. Subject to =
status. Ts&Cs and late fees =
apply.</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbo=
dy></table><table align=3D"center" role=3D"presentation" width=3D"600" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D"width:600px" =
class=3D"wrapto100pc" bgcolor=3D"#ffffff"><tbody><tr><td valign=3D"top" =
align=3D"center" class=3D"mobPad" style=3D"padding:0px 40px 40px =
40px"><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" role=3D"presentation"><tbody><tr><td class=3D"whitetxt" =
valign=3D"top" align=3D"left" style=3D"font-family:'Klarna Text', Arial, =
sans-serif;font-size:19px;line-height:25px;font-weight:700;padding:0px =
0px 5px 0px">How Klarna handles credit checks</td></tr><tr><td =
class=3D"whitetxt" valign=3D"top" align=3D"left" =
style=3D"font-family:'Klarna Text', Arial, =
sans-serif;font-size:16px;line-height:25px;font-weight:400"><table =
width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
role=3D"presentation"><tbody><tr><td class=3D"whitetxt" valign=3D"top" =
align=3D"left" style=3D"font-family:'Klarna Text', Arial, =
sans-serif;font-size:16px;line-height:25px;font-weight:400">Klarna uses =
soft credit checks depending on the payment option. Soft credit checks =
are used for Pay in 3, Pay in 30 days and Financing Plans and do not =
impact your credit score. Late payments will be reported to credit =
agencies.</td></tr></tbody></table></td></tr><tr><td valign=3D"top" =
align=3D"left" style=3D"padding:0px 0px 20px =
0px;line-height:0"> </td></tr><tr><td><table align=3D"center" =
role=3D"presentation" width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" style=3D"width:100%" class=3D"wrapto100pc" =
bgcolor=3D"#ffffff"><tbody><tr><td valign=3D"top" align=3D"center" =
style=3D"padding:0px 40px 0px 0px" class=3D"textleft "><table =
width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
role=3D"presentation"><tbody><tr><th =
style=3D"font-weight:normal;width:50px" width=3D"50" valign=3D"top" =
align=3D"left" class=3D"textleft stacktop stackholder"><img =
src=3D"https://locker.klarna.com/transform/b1a1679d-cd75-4428-b9d8-13eb3e=
56a60c/Email_File_Icon_1x1" width=3D"50" height=3D"50" alt=3D"file" =
style=3D"display:block;width:50px;height:50px;border-radius:15px"></th><t=
h width=3D"470" style=3D"font-weight:normal;width:470px" =
valign=3D"middle" class=3D"textleft stacktop stackholder"><table =
width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
class=3D"" role=3D"presentation"><tbody><tr><td valign=3D"top" =
align=3D"left" style=3D"padding:0px 0px 0px 15px" class=3D"textleft =
padtop15"><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" role=3D"presentation"><tbody><tr><td valign=3D"top" =
align=3D"left" class=3D"textleft whitetxt" style=3D"font-family:'Klarna =
Text', Arial, =
sans-serif;font-size:16px;line-height:25px;font-weight:700;padding:0px =
0px 0px 0px">Soft credit checks</td></tr><tr><td valign=3D"top" =
align=3D"left" class=3D"textleft whitetxt padtop5" =
style=3D"font-family:'Klarna Text', Arial, =
sans-serif;font-size:16px;line-height:25px;font-weight:400;padding:10px =
0px 0px 0px"><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" role=3D"presentation"><tbody><tr><td class=3D"whitetxt" =
valign=3D"top" align=3D"left" style=3D"font-family:'Klarna Text', Arial, =
sans-serif;font-size:16px;line-height:25px;font-weight:400">Used for Pay =
in 3, Pay in 30 days, and Financing plans. The check is not visible to =
lenders, and do not impact credit =
scores.</td></tr></tbody></table></td></tr></tbody></table></td></tr></tb=
ody></table></th></tr></tbody></table></td></tr><tr><td valign=3D"top" =
align=3D"center" style=3D"padding:30px 40px 0px 0px" class=3D"textleft =
"><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
role=3D"presentation"><tbody><tr><th =
style=3D"font-weight:normal;width:50px" width=3D"50" valign=3D"top" =
align=3D"left" class=3D"textleft stacktop stackholder"><img =
src=3D"https://assets.klarnacdn.net/f:webp/q:70/image/938abda9-7e8c-48cd-=
91e2-b7291e9aa627/Email_Feature_Clock_1x1_Global.png" width=3D"50" =
height=3D"50" alt=3D"" =
style=3D"display:block;width:50px;height:50px;border-radius:15px"></th><t=
h width=3D"470" style=3D"font-weight:normal;width:470px" =
valign=3D"middle" class=3D"textleft stacktop stackholder"><table =
width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
class=3D"" role=3D"presentation"><tbody><tr><td valign=3D"top" =
align=3D"left" style=3D"padding:0px 0px 0px 15px" class=3D"textleft =
padtop15"><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" role=3D"presentation"><tbody><tr><td valign=3D"top" =
align=3D"left" class=3D"textleft whitetxt" style=3D"font-family:'Klarna =
Text', Arial, =
sans-serif;font-size:16px;line-height:25px;font-weight:700;padding:0px =
0px 0px 0px">Late payments</td></tr><tr><td valign=3D"top" =
align=3D"left" class=3D"textleft whitetxt padtop5" =
style=3D"font-family:'Klarna Text', Arial, =
sans-serif;font-size:16px;line-height:25px;font-weight:400;padding:10px =
0px 0px 0px"><table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" role=3D"presentation"><tbody><tr><td class=3D"whitetxt" =
valign=3D"top" align=3D"left" style=3D"font-family:'Klarna Text', Arial, =
sans-serif;font-size:16px;line-height:25px;font-weight:400">Missed =
payments on Pay in 3, Pay in 30 days, and financing plans will be =
reported to credit =
agencies.</td></tr></tbody></table></td></tr></tbody></table></td></tr></=
tbody></table></th></tr></tbody></table></td></tr></tbody></table></td></=
tr></tbody></table></td></tr></tbody></table><table align=3D"center" =
role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" style=3D"width:600px" class=3D"wrapto100pc" =
bgcolor=3D"#ffffff"><tbody><tr><td valign=3D"top" align=3D"center" =
class=3D"mobPad" style=3D"padding:0px 40px 30px =
40px;font-size:1px;line-height:1px;mso-line-height-rule:exactly"> </=
td></tr></tbody></table><table align=3D"center" role=3D"presentation" =
width=3D"600" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
style=3D"width:600px" class=3D"wrapto100pc" =
bgcolor=3D"#ffffff"><tbody><tr><td valign=3D"top" align=3D"center" =
style=3D"padding:0px 40px 90px 40px" class=3D"mobPad"><table =
width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
role=3D"presentation" align=3D"left"><tbody><tr><td bgcolor=3D"#EEEEEE" =
valign=3D"top" align=3D"left" =
style=3D"font-size:1px;line-height:1px;mso-line-height-rule:exactly">&nbs=
p;</td></tr><tr><td valign=3D"top" align=3D"left" =
style=3D"font-size:20px;line-height:20px;mso-line-height-rule:exactly">&n=
bsp;</td></tr><tr><td valign=3D"top" align=3D"left"><a target=3D"_blank" =
clicktracking=3D"on" universal=3D"true" rel=3D"noreferrer" =
href=3D"https://click.hello.klarna.com/f/open-in-app/R513PBHQMzmXO782wD89=
0Q~~/AABVuxA~/sgcRXfWH0nqwgJ58YYauJnB1jy7Zj8cvJjYy6I11re2QCPfMPk9BwfBOwzV=
dj3Vr5hKuclftRkbXbmjYe8HfaqTOybxGNAEERZPnVLjZvwF3C7LtImgNbA8BXH7pAFA1_GI1=
c9IxvtVEBrhndvFPttPNQj4hRGZW5Qk1mNDWgfvmY4whERqsYBPftgumFW3QlvQBJi-9lDPp-=
FQTcVUVbLgsp7DJU1Y9pqX3SlzEsmGP-8-GFJhtwDL0mVOplVuH293XeY8xLNfIEGy3dYdLVz=
U7BrtoLlriH2iROdnwXADghZWQZoLCsGN3vXQUxx8sv3qT_JxoiyCzY-II6sicmX2BeRrmCcd=
7kP-1PAYulwfDJwQVH4wALNmiCy4BZt49qSg6ufKvabQo07lKJRfQgJXmlhWJ9Kt38PxldDVT=
aVsfpkSLPyvAhvL1ZDo-cFX_H6X_aQi74YtuRfH8qET87EyCaVRxLcs0v06pV6QODp8j2N3cJ=
eibyY-STV5laKzuQ6HswUE81XkrBqFUe1DH_cTQP0xn4nUSQjMoxX_-Ky93MwfL07HRaHJ_Tw=
p1F-k3a8LtWNvAu1FkvlOO0Zk10IaZ9lgQOJAOCxhEEsjk9naTW-pWXOkFd0MLrH3q0ObPjgf=
awROx-G2_b2yKJGGlrfJTvWe7BO6lL_x1z3nMzDcY5aFtIxmP1NQLJb0RWXRArowLY3qaQINE=
F7p0skSjceC7R3iWV0XG_5A9xAnUCOQr7l3OrrtmOizDp-T1AEYwMdC0nTzUFe4PbqzYBepF0=
cMA6r43XcHTkndGFvOvxQkxXaWHDKKDNGOoTF7oDpMZnLWq2sthTAdHv6e274eRrFQ_YeNxW7=
E2_DLkmnTK6dtHeT2cNvJXacoSkpIFDNvptq-VXw1u8FxltiVBOwKDw0XioGKe2Zq4hMd3EdS=
5xCGFXVuUvTuPZV8HrO19focYWnkw8xWg7sLEIPVreAtLuEVgdHLWOe9sqPYSaAsf9j-tnQdM=
JpGCL8Pt38Bckp-X_lGT4VHms1soOoPsR5xd7uujHIKem2MAHpUDXsRDy7KRQq2pNVzVELPYw=
8B1XASc"><img =
src=3D"https://locker.klarna.com/transform/9f7a2137-04ce-4e00-bbe9-9c306d=
89a9ff/Email_Header_Klarna_MarketingBadge_190x80_Global" width=3D"98" =
height=3D"40" style=3D"display:block;width:98px;height:40px" =
border=3D"0" alt=3D"Klarna"></a></td></tr><tr><td valign=3D"top" =
align=3D"left" class=3D"neutraldark" style=3D"font-family:'Klarna Text', =
Arial, =
sans-serif;font-size:12px;line-height:20px;font-weight:400;color:#555555;=
padding:30px 0px 0px 0px">Get Klarna App for: <a =
target=3D"_blank" =
href=3D"https://click.hello.klarna.com/f/open-in-app/7VFvKSwqwZPys9A3_luZ=
Aw~~/AABVuxA~/FNQD4m2f-h_QHCcPQ0aHFCPiiScNSTW7Nx_vE1YM5PIjovzoiee3hX347ps=
PXDmZx56rpq6bHUB9iqD7StAP080dI_bUPzutIBs7J5ZA-hq-W1wbaqkuR-HQw55yK-5vEO8k=
fsM9UlVR8s6UXaUQ2ifmPabH7XV5U3V_UH_64Xh-fuWjLEZq0bKuUtbYsnu4aIuMaSfYFK2Fl=
heafUJibzeYKTfiaIZ7WlfI0os72l10y4Qq4J5TGnri33N3Ewz8JFeW232pNE5aIOivl-d4fK=
Mq9GawmXSplM0bYGqrx-1GlzCaKkahotFoAmbWhNd7gngJib4yqHAQRU1ptMc51lnBVBWgh93=
5yUrJ0LJ23AlcjWbCqHAl2xsB85btRw2t" =
style=3D"color:#555555;text-decoration:underline" class=3D"neutraldark" =
rel=3D"noreferrer" universal=3D"true" clicktracking=3D"on" =
>iOS</a> | <a target=3D"_blank" =
href=3D"https://click.hello.klarna.com/f/open-in-app/7VFvKSwqwZPys9A3_luZ=
Aw~~/AABVuxA~/FNQD4m2f-h_QHCcPQ0aHFCPiiScNSTW7Nx_vE1YM5PIjovzoiee3hX347ps=
PXDmZx56rpq6bHUB9iqD7StAP080dI_bUPzutIBs7J5ZA-hq-W1wbaqkuR-HQw55yK-5vEO8k=
fsM9UlVR8s6UXaUQ2ifmPabH7XV5U3V_UH_64Xh-fuWjLEZq0bKuUtbYsnu4aIuMaSfYFK2Fl=
heafUJibzeYKTfiaIZ7WlfI0os72l10y4Qq4J5TGnri33N3Ewz8JFeW232pNE5aIOivl-d4fK=
Mq9GawmXSplM0bYGqrx-1GlzCaKkahotFoAmbWhNd7gngJib4yqHAQRU1ptMc51lnBVBWgh93=
5yUrJ0LJ23AlcjWbCqHAl2xsB85btRw2t" =
style=3D"color:#555555;text-decoration:underline" class=3D"neutraldark" =
rel=3D"noreferrer" universal=3D"true" clicktracking=3D"on" =
>Android</a></td></tr><tr><td valign=3D"top" align=3D"center" =
style=3D"padding-top:30px"><table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" align=3D"left" =
class=3D"wrapto100pc"><tbody><tr><td width=3D"250" valign=3D"top" =
align=3D"left" class=3D"wrapto50pc neutraldark" =
style=3D"width:250px;font-family:'Klarna Text', Arial, =
sans-serif;font-size:12px;line-height:20px;font-weight:400;color:#555555;=
padding:0px 0px 5px 0px"><a target=3D"_blank" clicktracking=3D"on" =
universal=3D"true" rel=3D"noreferrer" =
style=3D"color:#555555;text-decoration:underline" class=3D"neutraldark" =
href=3D"https://click.hello.klarna.com/f/open-in-app/jqNRj3J8uR4l6T_CeWU9=
Mw~~/AABVuxA~/aq0etaywo7wgpTdIH9cp3D2ksFIlA0pYFbvIBH_q1W4jypBlYpW9kJRtsMc=
XRO8OM43VpXqdNCrbKHyKAEqujVtnGsvGumqpsMTSKfP_-ojtjQoLAS_stxhqbW48Dt9Qf180=
29-R10_03gn3eXIA67UmSJum5fNVyPa1-Ke4RN6Diin8gHplOEeDbInA4fFUHp5Q1wcj0KPDz=
RXR_I2UyuIRjPykMXd03pOvn1HaEtpUBf-ZbI1j58L8vFGDg6J2hz37KWxhx689k9NTejBY7l=
_skKwO4js01jI_sPC6eNLvGyRyjQLJ4HTA3lrFCh0J7kgcQzmbKIikoqsqUvdlruLth1l4i8T=
QnAEyxo4cr2J8m9U8ESFT8lanYtJxuybVf_DpT-nRJWCdGy85cKKJIfgJQ1IwVvLv6tBk83nf=
F_C7g0AzJF-Ic0GL-i8XO8Mg_HnDOT9-9cCO61VivO6Po6GsY8JBQGMSA07Ek35KQng8L8Dv6=
D1Cj63gavFAog8g2UU0THDg-9eHmW_pV9QRdcNCEugV3HsYRyxus8XOdTQHdG7fjmuWrXa7Hm=
ZjJK5H1sFJsjwd-XR6wV5uWK9OZuEN3vLYcZRAfWVJqjlllXQvcQp-j2VOotvFMMFOguvpWko=
Ln259z0TETMAi_zlvtivwZUsDnyrcYbTClEeAF5tCUXyvqQ4R2pHn6EvSPHy8qukw-FTrOJJT=
fMeq0t4ZTabWtXRVats4S76bacXlvySKKEIpsVLov613tnKLc6TGjVLZLL5p5z11v-yEx-2gC=
hgwf3TPgeBqUov_fEKcmRU592nmCg_ADMo3Btgi4BhN07JiJXsLtbbAHckCyzGwedEZUZfoT_=
ueSxEFSI5WhYO7fYPEG1-9Rl6-hRN8ia92U8OLl1mFE5pZnSELBy09PL1xhuTwabSNW8tk5fg=
qSAxbQnAMx3fzSW651Fx6UlW4KjYzS3ohcwgbRh5LNKx2tPn9lOYDjQQBEN3CrufE2mN01Epu=
SX0EgqVuwdoM-lutW7PEwHP6l_4dfSIMzAnsbPJix7TCg76CJb_NafSKlBjcKevK3vvCjNzrX=
ZBlzlEs">Klarna.com</a></td><td width=3D"250" valign=3D"top" =
align=3D"left" class=3D"wrapto50pc neutraldark" =
style=3D"width:250px;font-family:'Klarna Text', Arial, =
sans-serif;font-size:12px;line-height:20px;font-weight:400;color:#555555;=
padding:0px 0px 5px 20px"><a target=3D"_blank" clicktracking=3D"on" =
universal=3D"true" rel=3D"noreferrer" =
style=3D"color:#555555;text-decoration:underline" class=3D"neutraldark" =
href=3D"https://click.hello.klarna.com/f/open-in-app/KCSODJs8vDhME6GCIXsH=
-A~~/AABVuxA~/jyzvINCidVGszda2yKDfL4kldRxDIv4aBsVWQiFb9xlXha8voCy0bhtosYl=
flwavI2GbQMfOe_aKOUU5ZBPhYvEKuqxWzMH2bP43sCkNXk_3g0lZY-n2KOJap8-4CSTlylE8=
68snhJkRFokdx7GmWAkU9EYOW0gxBMkBa6lA0PxdudCtWh_umCooVJxuvmps1GIbVvLrU4Hkw=
O-SCmYcIqlfcyjg6mYs7Es83NG2CDKLK8DhFeumv7UwLr1Uez6tlzaB8hzE2q_FEFDppYJaB-=
fJTXfhTIBwieynJGeZ5OSqQENhV_jr2DGG_Liw8PVBgBAZDRgDrrssT-ozrCG-zu-6hQ9De1z=
eg8OM2b4g0i2_uqfGu7CTJQgvzI8dZ7peO5BTm3l5ZGofquX1lmt9Q85EjCaouOuyzAua8PmE=
bwNm0lezTPmbnBUHAEDCu-7tu5Ev8MWV35MgdvvPZ4vt9OGaVQUGU_gdfUsjTyBOeYSpqNi3O=
u6zfg3EUFzPkvvqUsNT50npSiLxpB122bORt0Rt2bIOn_d109wFWiMLUg3PhR6jUtDsVBBiUE=
B1xd1vQrYVWOcUpgbTk2sPixZS2hWqaXLJGWrjEYY6DpZGpJYF5y5JeXMQHQNGlEO6mPJYIkw=
W022bisPJmUzObVWXwpCOaPMfKGVvQimm-Eg0NOGx734KToOs2sTtCw6k0R_xb5Igvw7wrCAq=
JC9kV_2pWBA3KtQjvhEmwMKuLzbQrv_MxjOyXmgSC4YsaroDrQAxSmvjCtiz8Q9bAUKBqI_Uc=
juXKaR5LD_NJaHPtkcC63hHZK5k__8ToPY4FdGGLKaFJY708r8ip5k0Vbwn2GIcZV4IbMBzRa=
wC5joPFs6FQ7DA5J-MXJHiFuwYBs8mP70eNGfdyOkQX4hpG90tAP0tbxpkeGhv6-U1NuxbYEb=
kr2eiQzWJsTgyvEr99RJwpQge9rZdOxtWjnuSKXN1rmAnV45UuyJzF7YPVwS6lVAPlfW02yrB=
23CYN-VU8fzB5-5D9Cr0LKmEo9USyp0eRIsJlwAr9rfr9e9tpWhfhEan7i0b1r2Ttt9NyCnae=
hWsrlsHX3VksQ4rS3y5KcrdU4JoGSr8KJf0D0OvqCTQzl_Dies~">Privacy</a></td></tr=
><tr><td width=3D"250" valign=3D"top" align=3D"left" class=3D"wrapto50pc =
neutraldark" style=3D"width:250px;font-family:'Klarna Text', Arial, =
sans-serif;font-size:12px;line-height:20px;font-weight:400;color:#555555;=
padding:0px 0px 5px 0px"><a target=3D"_blank" clicktracking=3D"on" =
universal=3D"true" rel=3D"noreferrer" =
style=3D"color:#555555;text-decoration:underline" class=3D"neutraldark" =
href=3D"https://click.hello.klarna.com/f/open-in-app/mPXSr616suF4gUNb16vZ=
HA~~/AABVuxA~/e3HGiYRkvAjFnzJ4kfn5O-pWVlSappZrjQ9JRwJF5rkno7X11DyKNmAVcBx=
e1RwpPjPmp1nEwPYlsNXj_V8fFTOE-MSTlJdpllyLypFsUrGC1veCMcKDH_j82KFpz0N2iFIL=
hJNzjem-tf6Bv8lDmM7kohXatrudgZvSDST_yoYRxkKu8krTQIGBbVLPRfiC86SFNswX1ppwX=
YfHzm2xEsAGdSNiOjlHmnTxl8UmqCDLKrY2FzOepHf_CQo1Kq6VfKt2Yrycq7l3_BChBl4zyB=
-v53BxWIQwQqNORHio6S3fSmv75PyDE4-Z-CsXepW0G86k2TkT4CedKQiAHdGDxzhUfGaRbF_=
BVEXN9w_r9mKfZ21Ao1cyZ7VqLibXiM2oE6NFCG-Xboul92bZEb7R-2wDHiZNMdEr6ACFoZGT=
ToSrbNbOp-Xvbq-8duNo9RNGUP4vR_qrmUMY5qxtzcxC1hM0aLuMwJiZ2oec36eJOb3hBE7gu=
WqtfMK5ttQz6lnwREf1kHZBNwXGleLMxRndeRqSEvitR9Ip5Ud7Tm3BvHeStGlb9c1-qVDYTL=
5x_FpcLsR-aju6zqAnaDYqk5c5FL2YqedW8eo9ug96Av9KgwyQLgfzbyFSSp1G1GVQmhr4yAI=
Gfi1NrmgozGpeMcdLGyF-xfuXYBTLE9PExiJLU_qTPNjNm2Th2GTmu7iXBkWeezaMOiazYnLR=
r9ZRGfWKxokz1uVEMXnn5RwK2RprM98iYnqf99p2GGieVXEeduvF0SU3yk6FWgM7DBugI541G=
YIvue3MN23wXUnsTT760JSZ8d7wRAA-aXyKcQgpkK1uciwbhz-Rnao-2mpWGPS3uVo8TA-0Mh=
t__Vwa_FNLVrOV34P87fiJxSeN6lVTOuXxRjWpmflKb_-GGVDHBBujPPnofoej9_HjrC70Eby=
eP5gmBkr7z5weug-o5UsaXWmkDQ7EWpt8JO0x9hr7Y6BM3edMnh2_yvRVhpTmmIdRCVLgDTB7=
R6NGds_00vq9rlCAz6wj3rBAy3_TOA3hKEt6gCZtevOvF96LaDlHm5svJtnl6fzz7yuiAzzTI=
r5mknFJhLZZi1tFZLusUME3BDHzSa5urDyw7N9m7ROAiBMzL5k3HJI4c1-ZTo0ImXJ_GkEXYf=
JsFK7aB7iVO_n2nuPWRQ~~">Customer Service</a></td><td width=3D"250" =
valign=3D"top" align=3D"left" class=3D"wrapto50pc neutraldark" =
style=3D"width:250px;font-family:'Klarna Text', Arial, =
sans-serif;font-size:12px;line-height:20px;font-weight:400;color:#555555;=
padding:0px 0px 5px 20px"><a target=3D"_blank" clicktracking=3D"on" =
rel=3D"noreferrer" style=3D"color:#555555;text-decoration:underline" =
class=3D"neutraldark" =
href=3D"https://click.hello.klarna.com/f/a/5K83KblX6fa1lNle4C6S_g~~/AABVu=
xA~/VxhuugbI8qPk5uieQkk-nNocNNxRi7pv7jZgyquzN91v5d5agF0u9M_kT8omikH0mFRzS=
ACz_kEzp-G49xIw1HilBJvYZ7Av8dmqBRiqIHJCIN2U4kO_NWwKYidyiRRzmsyAaTGZ5VGFlq=
MPf8yZw_v0RcejUBbsY3EPXFqER0Z9NKp7bOXxOoeh2lIlPURWkOJ7BDVpgFz-mERn52n2jHy=
Jwx_nHFFAGXrvjdSn_NEBYmwU5X14HIwsZiLBjgU_wAJ-raVLh7lsck8Ink656tzTMFlQfH0n=
yH5wwzy1_VIMugOjpAWzi1oStCfh7LzN-yMNqBSeYSTm1Lp5699RAoc0zMGLI6oohGFnRPgB0=
JdDXeREo9XipziHemm3MGFFfPyfxd90Oh3ONzow3eDONm2tGYmIeHHKLgrv1fuyZ2TKtEItfT=
zvx0V6dBc2Br3xKWpaHf9fI4IJ6CjFN_xbNW2s2kzXu_iiEmvc8N-M4H6Lm9wYphu0Fo6BvCz=
PgXE2VfqtTMN2sp16W5eQ4YR-316dlJ3AL8YpkuZnAZDI6bjZwmbjxn9lrZymusnagZuMkxwc=
zX7WZ-XNaUwEFuBYkgbPepVT4fvkMF3LmbV6Ck00oV89QEN4Db2U1H_IooVNS9g-aL1xqdKWA=
CailS6JTFnW6CGxAfrYsfGQ0QeTe-LzIbbf3MxPYmQC5V6S3swIEaH6sXAgT7QI--4AO_uy8v=
QQWC5c_M3wAG7HOoGzMqW2oo0QMHPmS4RnVT4cs7Q20xRJ_7Z17QsooFUhNTe47IQ2buZIfAn=
AEhSuxYkBUqKEmjcUNLYRtdaoiYBGFEJ7qPLcnuuHJZf5l6MCLccacvo18sGts8Et1hSn2cb9=
Y1gwpeGCsscuP-YpCjUgm-Bi46k0jIrP-KANi75buv7Qwg~~">Unsubscribe</a></td></t=
r></tbody></table></td></tr><tr style=3D"width:100%"><td height=3D"30" =
style=3D"font-size:30px;line-height:30px;height:30px"> </td></tr><tr=
><td valign=3D"top" align=3D"left" class=3D"neutraldark" =
style=3D"font-family:'Klarna Text', Arial, =
sans-serif;font-size:12px;line-height:20px;font-weight:400;color:#555555;=
padding:0px"><span>By clicking "Unsubscribe", you may at any time object =
to the use of this email address for direct marketing (free of =
charge).<br><br></span>Klarna Financial Services UK Limited<br>Postal =
address: 10 York Road, London, SE1 7ND, United Kingdom</td></tr><tr =
style=3D"width:100%"><td height=3D"15" =
style=3D"font-size:15px;line-height:15px;height:15px"> </td></tr><tr=
><td valign=3D"top" align=3D"left" class=3D"neutraldark" =
style=3D"font-family:'Klarna Text', Arial, =
sans-serif;font-size:12px;line-height:20px;font-weight:400;color:#555555;=
padding:0px">Have you received an email that might be a phishing =
attempt? You can report suspicious emails with our <a target=3D"_blank" =
clicktracking=3D"on" rel=3D"noreferrer" =
style=3D"color:#555555;text-decoration:underline" class=3D"neutraldark" =
href=3D"https://click.hello.klarna.com/f/a/5c5lRRqT3JI5U2SvcIUvhA~~/AABVu=
xA~/VR39k7nfDZUINV1dcBiYh_kkD5zgTICDHnLnETBEYFuZcsRBtb3S_4m6SdKtKQ_i9TyaI=
z-RJMSp8lyLJEjOj-q4eeJO42URtbjFuhymqmG6OLuYygHfgC4YXwOhVFRCBbfLubu1H2eh4F=
bS2uixzg~~">online form</a>. <a target=3D"_blank" clicktracking=3D"on" =
rel=3D"noreferrer" style=3D"color:#555555;text-decoration:underline" =
class=3D"neutraldark" =
href=3D"https://click.hello.klarna.com/f/a/ASvqRIBZjDK01DsyMqCAYg~~/AABVu=
xA~/K6m2Q5qMr93ZID4W9mjkEPFcE0WMloc3HjDLy7ZifGOimQLbv2_QvoASLFcsIRghZMPEx=
mWsOsAlm4YGjUJlASEick80o281-HZQcLEhIl-3gj286PGEMqtShHIQ2XxO">Learn =
more</a> about how to spot phishing scams and fraud more =
effectively.</td></tr><tr style=3D"width:100%"><td height=3D"15" =
style=3D"font-size:15px;line-height:15px;height:15px"> </td></tr><tr=
><td valign=3D"top" align=3D"left" class=3D"neutraldark" =
style=3D"font-family:'Klarna Text', Arial, =
sans-serif;font-size:12px;line-height:20px;font-weight:400;color:#555555;=
padding:15px 0px 0px 0px">Klarna Financial Services UK Limited =
("Klarna") is authorised and regulated by the Financial Conduct =
Authority ("FCA") for carrying out regulated consumer credit activities =
(firm reference number 987889) and the provision of payment services and =
the issuing of electronic money under the Electronic Money Regulations =
2011 (firm reference number 1021834). Klarna Financial Services UK =
Limited offers both regulated and unregulated products. Klarna=E2=80=99s =
interest free and pay up to 12 months Financing agreements, Pay in 3 =
instalments and Pay in 30 days agreements are not regulated by the FCA. =
Incorporated in England (company number 14290857), with its registered =
office at 10 York Road, London, SE1 =
7ND.</td></tr></tbody></table></td></tr></tbody></table>=0A=
<!--[if mso | IE]>=0A=
</td></tr></table>=0A=
<![endif]-->=0A=
=0A=
</center>
<img border=3D"0" width=3D"1" height=3D"1" alt=3D"" =
src=3D"https://click.hello.klarna.com/q/e2JKU1SViTzOOvFfaGYyNw~~/AABVuxA~=
/FpCsWt3YBHJi0zmUMlKaATM4aWSA6OXMr8RSPTLHHma6Cm6sJTMsB6DI7sDyPKFTh27kKaUB=
3q5yJroSWLCV1g~~">
</body></html>
------=_NextPart_000_22CC_01DCF1E3.7090A4B0--