File: D:/hMailServer/Data/sarahharvey.com/bob/E4/{E4C14BC6-EEBB-4F61-8A4F-858DB86B8EB7}.eml
Received: from o1.braze.email.monzo.com (o1.braze.email.monzo.com [223.165.125.8])
by mail.itpartnership.com with ESMTPS
(version=TLSv1.2 cipher=ECDHE-RSA-AES128-GCM-SHA256 bits=128)
; Sat, 26 Apr 2025 14:38:24 +0100
Received: from [10.95.210.219] ([10.95.210.219])
by i-09c9be3e69e11b8c7.mta3vrest.sd.prd.sparkpost (ecelerity 5.0.0.74384 r(msys-ecelerity:tags/5.0.0.2)) with REST
id 13/96-35415-FC1EC086; Sat, 26 Apr 2025 13:38:23 +0000
Reply-To: <no-reply@monzo.com>
From: "Monzo" <hello@email.monzo.com>
To: <bob@sarahharvey.com>
Subject: Why save and invest?
Date: Sat, 26 Apr 2025 14:38:23 +0100
Message-ID: <13.96.35415.FC1EC086@i-09c9be3e69e11b8c7.mta3vrest.sd.prd.sparkpost>
MIME-Version: 1.0
Content-Type: multipart/alternative;
boundary="----=_NextPart_000_04A1_01DBB909.A8638420"
X-Mailer: Microsoft Outlook 16.0
List-Unsubscribe: <https://01.emailinboundprocessing.eu/enc_user/list_unsubscribe?d=%241%24aMEowDrVXzMI14rDSbSn%2BQ%3D%3D%24By7aXWj49SqhrjDjD8WeVg0IenN3r5ds82taesMRist12O8PhP50CYpDVcb2%0Akmda9%2BJsyCk3Htjik5x28tflKImloZRgVJ%2B%2BYLxPggf93JaOxOaWPIk4tTsh%0AYhpEf%2BjPH%2FMEhC6IASD5dJxdfc5%2Bx3wRnGor%2BwJ4zVsqatNsCZF73ENr9Nl6%0AasmLxGOHJun%2BFHXU4Bmugl%2F5Phq%2FCI5TxgT0S%2B1Bz0e2G9ZL04AlbSuZzQkJ%0A4YbWGdA9ylnNsusiZyq86f%2FDuRjZCin15Z%2BTQ57saUHjz1PC64rDHRciBRYj%0AV7%2BkBdEj5WvrC5%2FMHLTEgCDuYztJ4VwwwERLUfdU0rHbB2e0E6JtwsAvRAEA%0AxCHLcI2QGveFS3AgWPBMueDU&1=1>,<mailto:4_o8lhxbnnppfqz5jt24txve8mmfvjalse804m9rf9f2z8i1x4rpi7xs@unsubscribe.emailinboundprocessing.eu?subject=Unsubscribe%20pnrcgsq1m7kgggdbn4ms3p9akbpwnvyfdul4dnwovcfd&body=DO_NOT_DELETE-1krhdvlpng2taghu1hcp2qexr9gdcds451dv4c4fhyyrm9cvgk64vg9augcn3pnut287gg8tays0dlonnxbh-DO_NOT_DELETE>
Thread-Index: AQF2u4cEDwo0RJZyy/ImduhDKEbWVw==
X-OlkEid: 00000000CC09373165EA424894A88D7C135300090700C3B68E10F77511CEB4CD00AA00BBB6E600000000000B0000F3CAA7D39DC9FE498D8F5D237175EB780000000056B50000E3250400A5435644975E9E49D9063703
X-MSFBL: GJ0S/6h+7C2ZmCt9f1gRbbh56x9HoM9b2LUIf37edho=|eyJzdWJhY2NvdW50X2l
kIjoiMzg4IiwibWVzc2FnZV9pZCI6IjY4MGJjZmUxMGM2OGUzNzQ2OTMxIiwidGV
uYW50X2lkIjoic3BjZXUiLCJjdXN0b21lcl9pZCI6IjE4OTgiLCJyIjoiYm9iQHN
hcmFoaGFydmV5LmNvbSJ9
This is a multipart message in MIME format.
------=_NextPart_000_04A1_01DBB909.A8638420
Content-Type: text/plain;
charset="UTF-8"
Content-Transfer-Encoding: 8bit
Learn the difference with Monzo Investments
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏
<https://clicks.monzo.com/f/a/KyPfBSnN07UnErUUJvH5uA~~/AAAHahA~/4QFrPvurdefVe6e6icikSOYbowmDpKjhrxoAZCgNeKnVUsbE02mfyGIbkgYw0FDduLc-7Mz5kStZb1ltlptyfNSLlam_k_Rkt-2gdESszjg~>
Saving vs investing – spot the difference
<https://clicks.monzo.com/f/a/KQWfo-yepSDLV18E10op7w~~/AAAHahA~/sz7h-lP7aJODCi6MV2M7CErJ56P7iGQo6um1blLb4Ejsd8xEYFNb9QwS53BLgcmMNrDEbYOELYMBF4-gE1XiDr_QdhHzCQ1baWnq1RHp5jXvmE22spAqt-cgy_mproL9TThgSLoBXus29wXs75-PbKAe-fBIpy64BHAqkWomY3y9ZWaA8PhncDpa-xEMOo1m>
Saving and investing are both ways to grow your money. But what's the
difference between them?
Understand how the two differ and why it's beneficial to do both.
Learn more
<https://clicks.monzo.com/f/a/KQWfo-yepSDLV18E10op7w~~/AAAHahA~/sz7h-lP7aJODCi6MV2M7CErJ56P7iGQo6um1blLb4Ejsd8xEYFNb9QwS53BLgcmMNrDEbYOELYMBF4-gE1XiDr_QdhHzCQ1baWnq1RHp5jXvmE22spAqt-cgy_mproL9TThgSLoBXus29wXs75-PbKAe-fBIpy64BHAqkWomY3y9ZWaA8PhncDpa-xEMOo1m>
You could get back less than you invest. An investment’s past performance
doesn’t show how it’ll perform in the future.
<https://clicks.monzo.com/f/a/KQWfo-yepSDLV18E10op7w~~/AAAHahA~/sz7h-lP7aJODCi6MV2M7CErJ56P7iGQo6um1blLb4Ejsd8xEYFNb9QwS53BLgcmMNrDEbYOELYMBF4-gE1XiDr_QdhHzCQ1baWnq1RHp5jXvmE22spAqt-cgy_mproL9TThgSLoBXus29wXs75-PbKAe-fBIpy64BHAqkWomY3y9ZWaA8PhncDpa-xEMOo1m>
Same money, greater returns
Let’s say you saved £50 per month between December 2000 and June 2024 in a
1.85% AER savings account, you'd have £17,786. Invested that same amount?
You could’ve had £32,490.
<https://clicks.monzo.com/f/a/KQWfo-yepSDLV18E10op7w~~/AAAHahA~/sz7h-lP7aJODCi6MV2M7CErJ56P7iGQo6um1blLb4Ejsd8xEYFNb9QwS53BLgcmMNrDEbYOELYMBF4-gE1XiDr_QdhHzCQ1baWnq1RHp5jXvmE22spAqt-cgy_mproL9TThgSLoBXus29wXs75-PbKAe-fBIpy64BHAqkWomY3y9ZWaA8PhncDpa-xEMOo1m>
The impact of interest rates
When interest rates fall, savings rates usually do too. Even though
investment values do go up and down, markets you can invest in have
generally risen over time.
<https://clicks.monzo.com/f/a/KQWfo-yepSDLV18E10op7w~~/AAAHahA~/sz7h-lP7aJODCi6MV2M7CErJ56P7iGQo6um1blLb4Ejsd8xEYFNb9QwS53BLgcmMNrDEbYOELYMBF4-gE1XiDr_QdhHzCQ1baWnq1RHp5jXvmE22spAqt-cgy_mproL9TThgSLoBXus29wXs75-PbKAe-fBIpy64BHAqkWomY3y9ZWaA8PhncDpa-xEMOo1m>
Investment growth
can beat inflation
over time
Savings interest rates don't always keep up with inflation. But
historically, the value of certain investments has risen more than
inflation.
<https://clicks.monzo.com/f/a/KQWfo-yepSDLV18E10op7w~~/AAAHahA~/sz7h-lP7aJODCi6MV2M7CErJ56P7iGQo6um1blLb4Ejsd8xEYFNb9QwS53BLgcmMNrDEbYOELYMBF4-gE1XiDr_QdhHzCQ1baWnq1RHp5jXvmE22spAqt-cgy_mproL9TThgSLoBXus29wXs75-PbKAe-fBIpy64BHAqkWomY3y9ZWaA8PhncDpa-xEMOo1m>
Starting with savings is smart
Before investing, consider building a savings safety net first. That’s
because you should aim to keep money invested for at least 5 years to
improve your chances of getting the return you want.
All clued up and ready to invest?
<https://clicks.monzo.com/f/a/17BuPTXc7TsYkAicUfOHLQ~~/AAAHahA~/x6Xu1iPHR7QKcV0pojlivfqpp7yeRrcCt5cWWxNlyM0h-TS4M8HuVqzQMCL4CzPRqf1yDa8qN8h3iPWvSVm0gpkjFTyU2vl0-yIwPJyXulLKq-z2my7SMRhc2sTXZgmjmGi82ydJnw9A6fpsI46lbt61mj3Gf99W5wmV-xYlS9Y7PJSY031QyQ9wjMxRoeLNRJvsL90Ns1q4igdPNEWJMF0J3w7PjqkYoHdAZgr1vfAIh1ntpElchaZ1KwtY5hOlhsI0jEIkzE7Epk74gxLIUw~~>
All you need to do is pick from 3 simple investment options – then let
experts take care of the rest. You can start with as little as £1.
Open Investment Pot
<https://clicks.monzo.com/f/a/A8pfuhDhNAobzRfiYo2hFA~~/AAAHahA~/N0lijn4n757A-Bgb5PY-a0G5ea6owkn43LRClsbMqGvZrKlZy9-2ZgBH7usr5Dy0MEDUvp8uEyZYPyD5_cbSLfk0e-8qPfP0piE6oIDBqP8WzbpI3i_HomE00-TRCUtN7PnkLHRQrPFgELea_AbnhHpEblmfi-Dilc8g93QjKX0mG_Kc4eyXhZhTuL86uyKgGhrV68NH120jFwOZSUS2zFOzvp9rYO16Pmj-qW48L_WaJ3C4PiicR8IEVjpl2FkUZRgdvMK29H0R8TpyKQvgew~~>
The value of your investments could go up or down and you could get back
less than you put in.
Sources:
Savings data: Illustrative savings rate based on a 0.75% discount to the
average Bank of England base rate for December 2000 to June 2024.
Investments data: Investments return based on average annual return of MSCI
All Country World Index for December 2000 to June 2024. MSCI terms of use:
www.msci.com/notice-and-disclaimer
Inflation data: Average inflation (from Consumer Price Index) for December
2000 to June 2024.
We're an authorised and regulated bank
<https://clicks.monzo.com/f/a/w6JYj32JvFCw6ShTRMv6lg~~/AAAHahA~/GdKSxv0kfp6D8Rd2AKFys8qZPGX3WU0Yy7N2n1120zcaWngQ0oBXJ6YuhQp6vheY4h6jssgLMHEDUx4tqOrn1IDjkVrQB0-usoDuB3TZ231YS9YsYQixIKmDWb4fNluXmELY5SbbSx_--HedsDrPMx39lfsIq-pySVdCJYpABQ4nhNMFrIS_uYMlh2AJ5YuLXhFzWOEoIAmNwRxaUd4-Ig~~>
<https://clicks.monzo.com/f/a/2PHCdEZhv9NneQA6A9nK6A~~/AAAHahA~/GdKSxv0kfp6D8Rd2AKFys8qZPGX3WU0Yy7N2n1120zcaWngQ0oBXJ6YuhQp6vheY4h6jssgLMHEDUx4tqOrn1IDjkVrQB0-usoDuB3TZ231YS9YsYQixIKmDWb4fNluXxRQj1C-ltuac-y6DG6gQJcQYJj1dQjUscWBGQn28QW2Rx_Jbhe9U7nCRejF-5ZOBH-u54Oe4wbVtkYvAagRTvQ~~>
<https://clicks.monzo.com/f/a/2PHCdEZhv9NneQA6A9nK6A~~/AAAHahA~/GdKSxv0kfp6D8Rd2AKFys8qZPGX3WU0Yy7N2n1120zcaWngQ0oBXJ6YuhQp6vheY4h6jssgLMHEDUx4tqOrn1IDjkVrQB0-usoDuB3TZ231YS9YsYQixIKmDWb4fNluXxRQj1C-ltuac-y6DG6gQJcQYJj1dQjUscWBGQn28QW2Rx_Jbhe9U7nCRejF-5ZOBH-u54Oe4wbVtkYvAagRTvQ~~>
<https://clicks.monzo.com/f/a/2PHCdEZhv9NneQA6A9nK6A~~/AAAHahA~/GdKSxv0kfp6D8Rd2AKFys8qZPGX3WU0Yy7N2n1120zcaWngQ0oBXJ6YuhQp6vheY4h6jssgLMHEDUx4tqOrn1IDjkVrQB0-usoDuB3TZ231YS9YsYQixIKmDWb4fNluXxRQj1C-ltuac-y6DG6gQJcQYJj1dQjUscWBGQn28QW2Rx_Jbhe9U7nCRejF-5ZOBH-u54Oe4wbVtkYvAagRTvQ~~>
<https://clicks.monzo.com/f/a/2PHCdEZhv9NneQA6A9nK6A~~/AAAHahA~/GdKSxv0kfp6D8Rd2AKFys8qZPGX3WU0Yy7N2n1120zcaWngQ0oBXJ6YuhQp6vheY4h6jssgLMHEDUx4tqOrn1IDjkVrQB0-usoDuB3TZ231YS9YsYQixIKmDWb4fNluXxRQj1C-ltuac-y6DG6gQJcQYJj1dQjUscWBGQn28QW2Rx_Jbhe9U7nCRejF-5ZOBH-u54Oe4wbVtkYvAagRTvQ~~>
<https://clicks.monzo.com/f/a/bjXen5ndbZh4w14eolic0Q~~/AAAHahA~/q3z_WSCHem_9guJ9YJ-hWdFKn3TlE----NDttc92uoZcs9O9_NL02HMyzFtKGrwXEZYuW7y2PbTwbAF69zreDWzEHnrWfNOrSamOtwtEqmYFz2JDdcErFyN3u3O7TDEr>
<https://clicks.monzo.com/f/a/6xXNs_pMKeFW2UXSdbESBw~~/AAAHahA~/UQHl-K_hKDD1aVdptBHwABMWtuRp6IAUWa_JHs-zKuCu0bGEYUriSw-BOu8Z-rBdv7pY65qNF_4vN2TZz39Cuet_rlSmZdoS93QjR5tdVeXsAyek7xz6y1DCOh-xOZcQW7vuoc90Nd8RsA4VYXwi44Ll1KBXduRSVli3hw2ojGZNt0ZCA75s7EQRtCly1rvx>
<https://clicks.monzo.com/f/a/Ljl9RdBSJKSpiKjvqkvqXA~~/AAAHahA~/LR-7ncwhqTYvaF27-zyS1RfMfQmDDI3QnOSGm0CHSKl6chTOsDjl9iSN6_lFNFDtUEQM-QmpwNkU5OWIutiSakAlbuN2oir81E9J7ZHP6o8f764h0VLVvfmqTqilsEzcU8zkcgVgTgdu7kxgBUOhrg~~>
<https://clicks.monzo.com/f/a/KyPfBSnN07UnErUUJvH5uA~~/AAAHahA~/4QFrPvurdefVe6e6icikSOYbowmDpKjhrxoAZCgNeKnVUsbE02mfyGIbkgYw0FDduLc-7Mz5kStZb1ltlptyfNSLlam_k_Rkt-2gdESszjg~>
Don’t want to hear from us again?
You can unsubscribe
<https://clicks.monzo.com/f/a/hbD1vqqf_su_BPy0uXnxSQ~~/AAAHahA~/IoIg3MKqGusZ-MmEA8v5mr0p5gtZMAovPOjmKUobgEYfF-esaQR3od-94hU-1s8Sc_kT4M6xfTImRRMaOksZIScnyUlp1oSmRUMidRzkQTXTZo9RnlwbOmnHTojVFoc8iw7UGP6UEdmFU1QAXgOs6A~~>
at any time. No hard feelings.
Monzo Bank Limited is a company registered in England and Wales
(No.09446231) registered at Broadwalk House, 5 Appold Street, London EC2A
2AG.
Monzo Bank Ltd is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation
Authority. Our Financial Services Register number is 730427.
<https://clicks.monzo.com/f/a/6u-6p8EGMHIgp1ZypFmy6Q~~/AAAHahA~/oDTrrwC6NNIeJ7Isw-9OgBx-rZvh5qhkSsoHZ9hE9g_TROwlgx7Y1TAW7SXgu5vFU9Axvi268_gApvWhWyoDLuw_R-NGwCJObBBBKOSDn3VvA5BkG8wE19TBL8z2JOsns-zLH2wG36s6-Gpu5DNC0w~~>
<https://clicks.monzo.com/f/a/tiSuGuw2Nbqw8yD169UBLw~~/AAAHahA~/0WgfTRj3vSjVtFuBQDriz4HQzIVXI6tTUv7oAfpbwk2RD16Ok7g51BJfQFyamGFn38A83oRuTWfcl2YpjeeyQhiiuc3RSIhCUW2rHC_HMtC5scMuypigWtIwwqY2JOqx>
<https://clicks.monzo.com/f/a/LdoCyo74iJ7jKjke3pxtfA~~/AAAHahA~/t7EKhbwExaTVAprW_10QOgp0bXMBTIcQKCJK8Y1K-DeM01jepNAd7W3EySfu1VwObrN7pgmod0AqTlJoeHTj0pEJbU-EZYBP9fXpxpCRb2WYzA2F6qgxpmNy4rBMV2lz>
<https://clicks.monzo.com/q/3F9MBJGuFOBo0S9Vxv_KtA~~/AAAHahA~/hNoB-NlQh47V6-4E8C-CKURCk_4tMJn-2lnriHhLLm6nmAYTOxrLicqflOjPJM0r_xctUAqt0gYGXSBcU1v_nw~~>
------=_NextPart_000_04A1_01DBB909.A8638420
Content-Type: text/html;
boundary="_----+6Vl4lmpdGbvzR0hWkf54w===_D1/96-35415-FC1EC086";
charset="UTF-8"
Content-Transfer-Encoding: quoted-printable
<!DOCTYPE html>=0A=
<html xml:lang=3D"en" lang=3D"en" xmlns=3D"http://www.w3.org/1999/xhtml" =
xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:o=3D"urn:schemas-microsoft-com:office:office">=0A=
=0A=
<head>=0A=
<meta http-equiv=3D"Content-Type" content=3D"text/html; =
charset=3DUTF-8">=0A=
<meta name=3D"viewport" content=3D"width=3Ddevice-width, =
initial-scale=3D1, maximum-scale=3D1, user-scalable=3Dno">=0A=
<meta http-equiv=3D"X-UA-Compatible" content=3D"IE=3DEdge">=0A=
<meta name=3D"format-detection" content=3D"telephone=3Dno, date=3Dno, =
address=3Dno, email=3Dno">=0A=
<meta name=3D"x-apple-disable-message-reformatting">=0A=
=0A=
<!--dark mode-->=0A=
<meta name=3D"color-scheme" content=3D"light dark">=0A=
<meta name=3D"supported-color-schemes" content=3D"light dark">=0A=
=0A=
<!--[if mso]>=0A=
<noscript>=0A=
<xml>=0A=
<o:OfficeDocumentSettings>=0A=
<o:AllowPNG/> =0A=
<o:PixelsPerInch>96</o:PixelsPerInch>=0A=
</o:OfficeDocumentSettings>=0A=
</xml>=0A=
</noscript>=0A=
<![endif]-->=0A=
=0A=
<!--support dark mode meta tags-->=0A=
<style type=3D"text/css">=0A=
:root {=0A=
color-scheme: light dark;=0A=
supported-color-schemes: light dark;=0A=
}=0A=
</style>=0A=
=0A=
<!--webfont code goes here-->=0A=
<!--[if (gte mso 9)|(IE)]><!-->=0A=
<!--webfont <link /> goes here-->=0A=
<style type=3D"text/css">=0A=
@media {=0A=
@font-face {=0A=
font-family: 'Oldschool';=0A=
src: =
url(https://monzo.com/static/fonts/OldschoolGroteskCompact-ExtraBold.woff=
2) format('woff2');=0A=
font-weight: bold;=0A=
font-style: normal;=0A=
}=0A=
=0A=
@font-face {=0A=
font-family: 'MonzoSansB';=0A=
src: =
url(https://monzo.com/static/fonts/MonzoSansText-Bold.woff2) =
format('woff2');=0A=
font-weight: bold;=0A=
font-style: normal;=0A=
}=0A=
=0A=
@font-face {=0A=
font-family: 'MonzoSansM';=0A=
src: =
url(https://monzo.com/static/fonts/MonzoSansText-Medium.woff2) =
format('woff2');=0A=
font-weight: normal;=0A=
font-style: normal;=0A=
}=0A=
=0A=
@font-face {=0A=
font-family: 'MonzoSansR';=0A=
src: =
url(https://monzo.com/static/fonts/MonzoSansText-Regular.woff2) =
format('woff2');=0A=
font-weight: normal;=0A=
font-style: normal;=0A=
}=0A=
}=0A=
</style>=0A=
<!--<![endif]-->=0A=
=0A=
<!--mobile styles-->=0A=
<style>=0A=
@media screen and (max-width:750px) {=0A=
.wMobile {=0A=
width: 95% !important;=0A=
}=0A=
=0A=
.wInner {=0A=
width: 90% !important;=0A=
}=0A=
=0A=
.wFull {=0A=
width: 100% !important;=0A=
}=0A=
=0A=
.imgFull {=0A=
width: 100% !important;=0A=
height: auto !important;=0A=
}=0A=
=0A=
.desktop {=0A=
width: 0 !important;=0A=
display: none !important;=0A=
}=0A=
=0A=
.mobile {=0A=
display: block !important;=0A=
}=0A=
=0A=
.std {=0A=
font-size: 18px !important;=0A=
line-height: 28px !important;=0A=
}=0A=
=0A=
.tPad-0 {=0A=
padding-top: 0 !important;=0A=
}=0A=
=0A=
.fullWidth {=0A=
width: 100% !important;=0A=
max-width: 100% !important;=0A=
height: auto !important;=0A=
}=0A=
=0A=
.width300 {=0A=
width: 100% !important;=0A=
max-width: 300px !important;=0A=
height: auto !important;=0A=
}=0A=
=0A=
.displayNone {=0A=
display: none !important;=0A=
}=0A=
=0A=
.heightAuto {=0A=
height: auto !important;=0A=
}=0A=
=0A=
.textCenter {=0A=
text-align: center !important;=0A=
}=0A=
=0A=
.mPad1 {=0A=
padding: 40px 20px !important;=0A=
}=0A=
=0A=
.mPad2 {=0A=
padding: 25px 20px !important;=0A=
}=0A=
=0A=
.mPadB1 {=0A=
padding-bottom: 20px !important;=0A=
}=0A=
=0A=
.showMobile {=0A=
display: block !important;=0A=
max-height: none !important;=0A=
max-width: none !important;=0A=
}=0A=
=0A=
.mobHeader {=0A=
width:100% !important;=0A=
max-width:450px !important;=0A=
height:auto !important;=0A=
}=0A=
=0A=
u+.body .glist {=0A=
margin-left: 0 !important;=0A=
}=0A=
=0A=
@media only screen and (max-width: 500px) {=0A=
u+.body .glist {=0A=
margin-left: 25px !important;=0A=
}=0A=
}=0A=
=0A=
}=0A=
</style>=0A=
=0A=
<!--dark mode-->=0A=
<style>=0A=
@media (prefers-color-scheme: dark) {=0A=
=0A=
/* Custom Dark Mode Background Color */=0A=
.darkmode {=0A=
background-color: #112231 !important;=0A=
}=0A=
=0A=
.darkmode2 {=0A=
background-color: #2C3A43 !important;=0A=
}=0A=
=0A=
.darkmode3 {=0A=
background-color: #3B4C54 !important;=0A=
}=0A=
=0A=
.darkmode4 {=0A=
background-color: #218FB7 !important;=0A=
}=0A=
=0A=
/* Custom Dark Mode Font Colors */=0A=
.darkmodeFont1 {=0A=
color: #FFFFFF !important;=0A=
}=0A=
=0A=
.darkmodeFont2 {=0A=
color: #F2F8F3 !important;=0A=
}=0A=
=0A=
.darkmodeBorder {=0A=
border: 1px solid #3B4C54 !important;=0A=
}=0A=
=0A=
.darkmodeBorderB {=0A=
border-bottom: 1px solid #3B4C54 !important;=0A=
}=0A=
=0A=
.darkmodeBorderT {=0A=
border-top: 1px solid #3B4C54 !important;=0A=
}=0A=
}=0A=
=0A=
/* Custom Dark Mode Background Color */=0A=
[data-ogsc] .darkmode {=0A=
background-color: #112231 !important;=0A=
}=0A=
=0A=
[data-ogsc] .darkmode2 {=0A=
background-color: #2C3A43 !important;=0A=
}=0A=
=0A=
[data-ogsc] .darkmode3 {=0A=
background-color: #3B4C54 !important;=0A=
}=0A=
=0A=
[data-ogsc] .darkmode4 {=0A=
background-color: #218FB7 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmode {=0A=
background-color: #112231 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmode2 {=0A=
background-color: #2C3A43 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmode3 {=0A=
background-color: #3B4C54 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmode4 {=0A=
background-color: #218FB7 !important;=0A=
}=0A=
=0A=
/* Custom Dark Mode Font Colors */=0A=
[data-ogsc] .darkmodeFont1 {=0A=
color: #FFFFFF !important;=0A=
}=0A=
=0A=
[data-ogsc] .darkmodeFont2 {=0A=
color: #F2F8F3 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmodeFont1 {=0A=
color: #FFFFFF !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmodeFont2 {=0A=
color: #F2F8F3 !important;=0A=
}=0A=
=0A=
/* Custom Dark Mode Border Colors */=0A=
[data-ogsc] .darkmodeBorder {=0A=
border: 1px solid #3B4C54 !important;=0A=
}=0A=
=0A=
[data-ogsc] .darkmodeBorderB {=0A=
border-bottom: 1px solid #3B4C54 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmodeBorderB {=0A=
border-bottom: 1px solid #3B4C54 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmodeBorder {=0A=
border: 1px solid #3B4C54 !important;=0A=
}=0A=
=0A=
[data-ogsc] .darkmodeBorderT {=0A=
border-top: 1px solid #3B4C54 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmodeBorderT {=0A=
border-top: 1px solid #3B4C54 !important;=0A=
}=0A=
</style>=0A=
=0A=
<title>Monzo</title>=0A=
=0A=
</head>=0A=
=0A=
<body id=3D"body" class=3D"darkmode body body-fix" bgcolor=3D"#FFFFFF" =
style=3D"height: 100% !important;margin: 0 auto !important;padding: 0 =
!important;width: 100% !important;-webkit-text-size-adjust: =
100%;-ms-text-size-adjust: 100%;-webkit-font-smoothing: =
antialiased;word-spacing: normal;background-color:#FFFFFF;">=0A=
<div style=3D"display:none =
!important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;lin=
e-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">Lea=
rn the difference with Monzo Investments</div>=0A=
<div style=3D"display:none =
!important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;lin=
e-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">=CD=
=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF </div>=0A=
<div role=3D"article" aria-roledescription=3D"email" =
aria-label=3D"Email from Monzo" xml:lang=3D"en" lang=3D"en">=0A=
=0A=
=0A=
=0A=
=0A=
<!-- Email Start -->=0A=
<table class=3D"darkmode" bgcolor=3D"#FFFFFF" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
style=3D"width:100%;">=0A=
=0A=
<!-- Email Inner Start -->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" bgcolor=3D"#FFFFFF" class=3D"darkmode =
fullWidth" width=3D"650" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;" role=3D"presentation">=0A=
=0A=
<!-- Logo Start -->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"650" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:45px 20px 30px =
20px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/KyPfBSnN07UnErUUJvH5uA~~/AAAHahA~/4Q=
FrPvurdefVe6e6icikSOYbowmDpKjhrxoAZCgNeKnVUsbE02mfyGIbkgYw0FDduLc-7Mz5kSt=
Zb1ltlptyfNSLlam_k_Rkt-2gdESszjg~" target=3D"_blank">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/63243b649248f072e000e529/original.png?1663318884" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;" width=3D"113" alt=3D"Monzo">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Logo End -->=0A=
=0A=
<!-- Header Start -->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"650" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:0px 20px;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"550" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:550px;" role=3D"presentation">=0A=
<!-- Title Start -->=0A=
<tr>=0A=
<td class=3D"darkmodeFont2" align=3D"center" =
style=3D"font-family:'Oldschool', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:40px;line-height:46px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:center;padding:20px 0px 20px =
0px;">Saving vs investing =E2=80=93 spot the difference=0A=
</td>=0A=
</tr>=0A=
<!-- Title End -->=0A=
<!-- Image Start -->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/KQWfo-yepSDLV18E10op7w~~/AAAHahA~/sz=
7h-lP7aJODCi6MV2M7CErJ56P7iGQo6um1blLb4Ejsd8xEYFNb9QwS53BLgcmMNrDEbYOELYM=
BF4-gE1XiDr_QdhHzCQ1baWnq1RHp5jXvmE22spAqt-cgy_mproL9TThgSLoBXus29wXs75-P=
bKAe-fBIpy64BHAqkWomY3y9ZWaA8PhncDpa-xEMOo1m" target=3D"_blank">=0A=
<img class=3D"mobHeader" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/66f2d7f51380aa008f99399b/original.png?1727191029" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:450px;height:253px;" =
width=3D"450" height=3D"253" alt=3D"Someone watering plants">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
<!-- Image End -->=0A=
=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Header End -->=0A=
=0A=
<!-- Intro Start -->=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:10px 20px 0px 20px;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"570" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:570px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"darkmodeFont2" align=3D"center" =
style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:center;padding:20px 0px 30px =
0px;">Saving and investing are both ways to grow your money. But what's =
the difference between them?=0A=
<br><br>=0A=
Understand how the two differ and why it's =
beneficial to do both.=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Intro End -->=0A=
=0A=
<!-- CTA Start -->=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:0px 20px 30px =
20px;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"280" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">=0A=
<tr>=0A=
<td align=3D"center">=0A=
<div>=0A=
<!--[if mso]>=0A=
<v:roundrect =
xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://clicks.monzo.com/f/a/KQWfo-yepSDLV18E10op7w~~/AAAHahA~/sz=
7h-lP7aJODCi6MV2M7CErJ56P7iGQo6um1blLb4Ejsd8xEYFNb9QwS53BLgcmMNrDEbYOELYM=
BF4-gE1XiDr_QdhHzCQ1baWnq1RHp5jXvmE22spAqt-cgy_mproL9TThgSLoBXus29wXs75-P=
bKAe-fBIpy64BHAqkWomY3y9ZWaA8PhncDpa-xEMOo1m" =
style=3D"height:40px;v-text-anchor:middle;width:280px;" arcsize=3D"63%" =
stroke=3D"f" fillcolor=3D"#218FB7">=0A=
<w:anchorlock/>=0A=
<center>=0A=
<![endif]-->=0A=
<a class=3D"fullWidth" =
href=3D"https://clicks.monzo.com/f/a/KQWfo-yepSDLV18E10op7w~~/AAAHahA~/sz=
7h-lP7aJODCi6MV2M7CErJ56P7iGQo6um1blLb4Ejsd8xEYFNb9QwS53BLgcmMNrDEbYOELYM=
BF4-gE1XiDr_QdhHzCQ1baWnq1RHp5jXvmE22spAqt-cgy_mproL9TThgSLoBXus29wXs75-P=
bKAe-fBIpy64BHAqkWomY3y9ZWaA8PhncDpa-xEMOo1m" target=3D"_blank" =
style=3D"background-color:#218FB7;border-radius:25px;color:#ffffff;displa=
y:inline-block;font-family:'MonzoSansB', Arial, Helvetica, =
sans-serif;font-size:16px;font-weight:bold;line-height:40px;text-align:ce=
nter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;">Lea=
rn more</a>=0A=
<!--[if mso]>=0A=
</center>=0A=
</v:roundrect>=0A=
<![endif]-->=0A=
</div>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- CTA End -->=0A=
=0A=
=0A=
<!-- Disclaimer Start -->=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:0px 20px 20px 20px;">=0A=
<table align=3D"center" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"610" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;border-radius:20px;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"darkmodeFont2" align=3D"center" =
style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:center;padding:20px 20px;"> =
You could get back less than you invest. An investment=E2=80=99s past =
performance doesn=E2=80=99t show how it=E2=80=99ll perform in the future.=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Disclaimer End -->=0A=
=0A=
<!-- Modules Start -->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"650" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<!-- Modules 1-2 Start -->=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:0px 20px 10px =
20px;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"610" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center">=0A=
<!-- Module 1 Start -->=0A=
<table align=3D"left" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"295" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:295px;border-radius:20px;float:left;" role=3D"presentation">=0A=
<!-- Image Start -->=0A=
<tr>=0A=
<td align=3D"center" =
style=3D"padding:30px 0px 20px 0px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/KQWfo-yepSDLV18E10op7w~~/AAAHahA~/sz=
7h-lP7aJODCi6MV2M7CErJ56P7iGQo6um1blLb4Ejsd8xEYFNb9QwS53BLgcmMNrDEbYOELYM=
BF4-gE1XiDr_QdhHzCQ1baWnq1RHp5jXvmE22spAqt-cgy_mproL9TThgSLoBXus29wXs75-P=
bKAe-fBIpy64BHAqkWomY3y9ZWaA8PhncDpa-xEMOo1m">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/66eae649fed7571a07734048/original.png?17266704099" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:175px;" width=3D"175" alt=3D"A =
graph with a column labelled Saving and a higher column lablled =
Investing.">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
<!-- Image End -->=0A=
<!-- Title Start -->=0A=
<tr>=0A=
<td class=3D"darkmodeFont2" =
align=3D"center" style=3D"font-family:'Oldschool', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:32px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:center;padding:0px 20px 20px =
20px;">Same money, greater returns=0A=
</td>=0A=
</tr>=0A=
<!-- Title End -->=0A=
<!-- Copy Start -->=0A=
<tr>=0A=
<td class=3D"darkmodeFont1" =
align=3D"center" style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:center;padding:0px 20px 25px =
20px;">Let=E2=80=99s say you saved =C2=A350 per month between December =
2000 and June 2024 in a 1.85% AER savings account, you'd have =
=C2=A317,786. Invested that same amount? You could=E2=80=99ve had =
=C2=A332,490.=0A=
</td>=0A=
</tr>=0A=
<!-- Copy End -->=0A=
</table>=0A=
<!-- Module 1 End -->=0A=
<!--[if mso]></td><td><![endif]-->=0A=
<!-- Spacer Between Modules Start -->=0A=
<table align=3D"left" class=3D"fullWidth" =
width=3D"20" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:20px;float:left;" role=3D"presentation">=0A=
<tr>=0A=
<td>=0A=
=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<!-- Spacer Between Modules End -->=0A=
<!--[if mso]></td><td><![endif]-->=0A=
<!-- Module 2 Start -->=0A=
<table align=3D"left" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"295" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:295px;border-radius:20px;float:left;" role=3D"presentation">=0A=
<!-- Image Start -->=0A=
<tr>=0A=
<td align=3D"center" =
style=3D"padding:30px 0px 20px 0px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/KQWfo-yepSDLV18E10op7w~~/AAAHahA~/sz=
7h-lP7aJODCi6MV2M7CErJ56P7iGQo6um1blLb4Ejsd8xEYFNb9QwS53BLgcmMNrDEbYOELYM=
BF4-gE1XiDr_QdhHzCQ1baWnq1RHp5jXvmE22spAqt-cgy_mproL9TThgSLoBXus29wXs75-P=
bKAe-fBIpy64BHAqkWomY3y9ZWaA8PhncDpa-xEMOo1m">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/66ab973251d3f514b2791ccc/original.png?1722521393" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:175px;" width=3D"175" =
alt=3D"Graph going up and down.">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
<!-- Image End -->=0A=
<!-- Title Start -->=0A=
<tr>=0A=
<td class=3D"darkmodeFont2" =
align=3D"center" style=3D"font-family:'Oldschool', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:32px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:center;padding:0px 20px 20px =
20px;">The impact of interest rates=0A=
</td>=0A=
</tr>=0A=
<!-- Title End -->=0A=
<!-- Copy Start -->=0A=
<tr>=0A=
<td class=3D"darkmodeFont1" =
align=3D"center" style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:center;padding:0px 20px 25px =
20px;">When interest rates fall, savings rates usually do too. Even =
though investment values do go up and down, markets you can invest in =
have generally risen over time.=0A=
</td>=0A=
</tr>=0A=
<!-- Copy End -->=0A=
</table>=0A=
<!-- Module 2 End -->=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Modules 1-2 End -->=0A=
<!-- Modules 3-4 Start -->=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:10px 20px 10px =
20px;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"610" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center">=0A=
<!-- Module 1 Start -->=0A=
<table align=3D"left" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"295" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:295px;border-radius:20px;float:left;" role=3D"presentation">=0A=
<!-- Image Start -->=0A=
<tr>=0A=
<td align=3D"center" =
style=3D"padding:30px 0px 20px 0px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/KQWfo-yepSDLV18E10op7w~~/AAAHahA~/sz=
7h-lP7aJODCi6MV2M7CErJ56P7iGQo6um1blLb4Ejsd8xEYFNb9QwS53BLgcmMNrDEbYOELYM=
BF4-gE1XiDr_QdhHzCQ1baWnq1RHp5jXvmE22spAqt-cgy_mproL9TThgSLoBXus29wXs75-P=
bKAe-fBIpy64BHAqkWomY3y9ZWaA8PhncDpa-xEMOo1m">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/66ab9732d6313314a8cfed2c/original.png?1722521393" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:175px;" width=3D"175" =
alt=3D"Graph with a line up and to the right showing growth and a large =
pound sign balloon.">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
<!-- Image End -->=0A=
<!-- Title Start -->=0A=
<tr>=0A=
<td class=3D"darkmodeFont2" =
align=3D"center" style=3D"font-family:'Oldschool', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:32px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:center;padding:0px 20px 20px =
20px;">Investment growth <br class=3D"displayNone">can beat inflation =
<br class=3D"displayNone">over time=0A=
</td>=0A=
</tr>=0A=
<!-- Title End -->=0A=
<!-- Copy Start -->=0A=
<tr>=0A=
<td class=3D"darkmodeFont1" =
align=3D"center" style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:center;padding:0px 20px 25px =
20px;">Savings interest rates don't always keep up with inflation. But =
historically, the value of certain investments has risen more than =
inflation.=0A=
</td>=0A=
</tr>=0A=
<!-- Copy End -->=0A=
</table>=0A=
<!-- Module 1 End -->=0A=
<!--[if mso]></td><td><![endif]-->=0A=
<!-- Spacer Between Modules Start -->=0A=
<table align=3D"left" class=3D"fullWidth" =
width=3D"20" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:20px;float:left;" role=3D"presentation">=0A=
<tr>=0A=
<td>=0A=
=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<!-- Spacer Between Modules End -->=0A=
<!--[if mso]></td><td><![endif]-->=0A=
<!-- Module 2 Start -->=0A=
<table align=3D"left" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"295" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:295px;border-radius:20px;float:left;" role=3D"presentation">=0A=
<!-- Image Start -->=0A=
<tr>=0A=
<td align=3D"center" =
style=3D"padding:30px 0px 20px 0px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/KQWfo-yepSDLV18E10op7w~~/AAAHahA~/sz=
7h-lP7aJODCi6MV2M7CErJ56P7iGQo6um1blLb4Ejsd8xEYFNb9QwS53BLgcmMNrDEbYOELYM=
BF4-gE1XiDr_QdhHzCQ1baWnq1RHp5jXvmE22spAqt-cgy_mproL9TThgSLoBXus29wXs75-P=
bKAe-fBIpy64BHAqkWomY3y9ZWaA8PhncDpa-xEMOo1m">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/66ab97322c08b1130a235b9a/original.png?1722521393" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:175px;" width=3D"175" =
alt=3D"Monzo Pots for Emergency, Holiday, Investing and Wedding.">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
<!-- Image End -->=0A=
<!-- Title Start -->=0A=
<tr>=0A=
<td class=3D"darkmodeFont2" =
align=3D"center" style=3D"font-family:'Oldschool', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:32px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:center;padding:0px 20px 20px =
20px;">Starting with savings is smart <span class=3D"displayNone"> =
</span><br class=3D"displayNone">=0A=
</td>=0A=
</tr>=0A=
<!-- Title End -->=0A=
<!-- Copy Start -->=0A=
<tr>=0A=
<td class=3D"darkmodeFont1" =
align=3D"center" style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:center;padding:0px 15px 25px =
15px;">Before investing, consider building a savings safety net first. =
That=E2=80=99s because you should aim to keep money invested for at =
least 5 years to improve your chances of getting the return you want.<br =
class=3D"displayNone">=0A=
</td>=0A=
</tr>=0A=
<!-- Copy End -->=0A=
</table>=0A=
<!-- Module 2 End -->=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Modules 3-4 End -->=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Modules End -->=0A=
=0A=
<!-- Module 5 Start -->=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:30px =
20px 0px 20px;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"610" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;border-radius:20px;" role=3D"presentation">=0A=
<!-- Title Start -->=0A=
<tr>=0A=
<td class=3D"darkmodeFont2" =
align=3D"center" style=3D"font-family:'Oldschool', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:32px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:center;padding:0px 20px;">All =
clued up and ready to invest?=0A=
</td>=0A=
</tr>=0A=
<!-- Title End -->=0A=
<!-- Image Start -->=0A=
<tr>=0A=
<td align=3D"center" =
style=3D"padding:0px 0px 0px 0px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/17BuPTXc7TsYkAicUfOHLQ~~/AAAHahA~/x6=
Xu1iPHR7QKcV0pojlivfqpp7yeRrcCt5cWWxNlyM0h-TS4M8HuVqzQMCL4CzPRqf1yDa8qN8h=
3iPWvSVm0gpkjFTyU2vl0-yIwPJyXulLKq-z2my7SMRhc2sTXZgmjmGi82ydJnw9A6fpsI46l=
bt61mj3Gf99W5wmV-xYlS9Y7PJSY031QyQ9wjMxRoeLNRJvsL90Ns1q4igdPNEWJMF0J3w7Pj=
qkYoHdAZgr1vfAIh1ntpElchaZ1KwtY5hOlhsI0jEIkzE7Epk74gxLIUw~~">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/64f849c911cc4708646fa150/original.gif?1693993417" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:180px;height:180px;" =
width=3D"180" height=3D"180" alt=3D"A stack of notes fanning out behind =
a smiling face.">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
<!-- Image End -->=0A=
<!-- Copy Start -->=0A=
<tr>=0A=
<td class=3D"darkmodeFont1" =
align=3D"center" style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:center;padding:0px 20px 20px =
20px;">All you need to do is pick from 3 simple investment options =
=E2=80=93 then let experts take care of the rest. You can start with as =
little as =C2=A31.=0A=
</td>=0A=
</tr>=0A=
<!-- Copy End -->=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Module 5 End -->=0A=
=0A=
<!-- CTA Start -->=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:10px 20px 30px =
20px;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"280" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">=0A=
<tr>=0A=
<td align=3D"center">=0A=
<div>=0A=
<!--[if mso]>=0A=
<v:roundrect =
xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://clicks.monzo.com/f/a/A8pfuhDhNAobzRfiYo2hFA~~/AAAHahA~/N0=
lijn4n757A-Bgb5PY-a0G5ea6owkn43LRClsbMqGvZrKlZy9-2ZgBH7usr5Dy0MEDUvp8uEyZ=
YPyD5_cbSLfk0e-8qPfP0piE6oIDBqP8WzbpI3i_HomE00-TRCUtN7PnkLHRQrPFgELea_Abn=
hHpEblmfi-Dilc8g93QjKX0mG_Kc4eyXhZhTuL86uyKgGhrV68NH120jFwOZSUS2zFOzvp9rY=
O16Pmj-qW48L_WaJ3C4PiicR8IEVjpl2FkUZRgdvMK29H0R8TpyKQvgew~~" =
style=3D"height:40px;v-text-anchor:middle;width:280px;" arcsize=3D"63%" =
stroke=3D"f" fillcolor=3D"#218FB7">=0A=
<w:anchorlock/>=0A=
<center>=0A=
<![endif]-->=0A=
<a class=3D"fullWidth" =
href=3D"https://clicks.monzo.com/f/a/A8pfuhDhNAobzRfiYo2hFA~~/AAAHahA~/N0=
lijn4n757A-Bgb5PY-a0G5ea6owkn43LRClsbMqGvZrKlZy9-2ZgBH7usr5Dy0MEDUvp8uEyZ=
YPyD5_cbSLfk0e-8qPfP0piE6oIDBqP8WzbpI3i_HomE00-TRCUtN7PnkLHRQrPFgELea_Abn=
hHpEblmfi-Dilc8g93QjKX0mG_Kc4eyXhZhTuL86uyKgGhrV68NH120jFwOZSUS2zFOzvp9rY=
O16Pmj-qW48L_WaJ3C4PiicR8IEVjpl2FkUZRgdvMK29H0R8TpyKQvgew~~" =
target=3D"_blank" =
style=3D"background-color:#218FB7;border-radius:25px;color:#ffffff;displa=
y:inline-block;font-family:'MonzoSansB', Arial, Helvetica, =
sans-serif;font-size:16px;font-weight:bold;line-height:40px;text-align:ce=
nter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;">Ope=
n Investment Pot</a>=0A=
<!--[if mso]>=0A=
</center>=0A=
</v:roundrect>=0A=
<![endif]-->=0A=
</div>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- CTA End -->=0A=
=0A=
=0A=
<!-- Module Start -->=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:10px 20px 0px 20px;">=0A=
<table align=3D"center" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"610" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;border-radius:20px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:20px 20px 20px =
20px;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"570" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:570px;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"darkmodeFont2" =
align=3D"center" style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:center;">=0A=
The value of your investments could go up or down and you could get back =
less than you put in.=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Module End -->=0A=
=0A=
=0A=
=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:10px 20px 0px 20px;">=0A=
<table align=3D"center" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"610" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;border-radius:20px;" role=3D"presentation">=0A=
=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:20px 20px 20px =
20px;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"570" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:570px;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"darkmodeFont2" =
align=3D"center" style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:center;">Sources:=0A=
<br><br>=0A=
Savings data: Illustrative savings rate based on a 0.75% discount to the =
average Bank of England base rate for December 2000 to June 2024.=0A=
<br><br>Investments data: Investments return based on average annual =
return of MSCI All Country World Index for December 2000 to June 2024. =
MSCI terms of use: <a class=3D"darkmodeFont2" =
href=3D"www.msci.com/notice-and-disclaimer" target =
style=3D"color:#111111;text-decoration:underline;">www.msci.com/notice-an=
d-disclaimer</a>=0A=
<br><br>=0A=
Inflation data: Average inflation (from Consumer Price Index) for =
December 2000 to June 2024.=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- How A Personal Loan End -->=0A=
=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" bgcolor=3D"#FFFFFF" =
class=3D"darkmode fullWidth" width=3D"650" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" class=3D"darkmodeFont2" =
style=3D"font-family:'Oldschool', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:32px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:center;padding:20px 20px 20px =
20px;">=0A=
=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
=0A=
=0A=
=0A=
<!-- Footer 1 Start -->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" class=3D"darkmode2 =
fullWidth" bgcolor=3D"#F2F8F3" width=3D"650" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"darkmodeFont2" align=3D"center" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:16px;line-height:24px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:center;padding:40px 20px 30px =
20px;">=0A=
We're an authorised and regulated bank=0A=
</td>=0A=
</tr>=0A=
<!-- Mobile Content Start -->=0A=
<!--[if !mso]><!-->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" width=3D"280" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;border-radius:20px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" =
background=3D"https://cdn.braze.eu/appboy/communication/assets/image_asse=
ts/images/67d1809efc2d590074df4eb8/original.png?1741783198" =
bgcolor=3D"#f2f8f3" width=3D"280" valign=3D"top" =
style=3D"border-radius:10px;background-size:cover;background-repeat:no-re=
peat;background-position:center;">=0A=
<!--[if gte mso 9]>=0A=
<v:rect =
xmlns:v=3D"urn:schemas-microsoft-com:vml" fill=3D"true" stroke=3D"false" =
style=3D"width:280px;">=0A=
<v:fill type=3D"tile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/67d1809efc2d590074df4eb8/original.png?1741783198" color=3D"#f2f8f3" />=0A=
<v:textbox inset=3D"0,0,0,0">=0A=
<![endif]-->=0A=
<div>=0A=
<table align=3D"center" =
class=3D"fullWidth" width=3D"280" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;border-radius:10px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" =
valign=3D"middle">=0A=
<div =
class=3D"showMobile" =
style=3D"display:none;max-height:0px;max-width:0;overflow:hidden;">=0A=
<table =
align=3D"center" class=3D"fullWidth" width=3D"280" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<p =
style=3D"text-align: center;"><a =
href=3D"https://clicks.monzo.com/f/a/w6JYj32JvFCw6ShTRMv6lg~~/AAAHahA~/Gd=
KSxv0kfp6D8Rd2AKFys8qZPGX3WU0Yy7N2n1120zcaWngQ0oBXJ6YuhQp6vheY4h6jssgLMHE=
DUx4tqOrn1IDjkVrQB0-usoDuB3TZ231YS9YsYQixIKmDWb4fNluXmELY5SbbSx_--HedsDrP=
Mx39lfsIq-pySVdCJYpABQ4nhNMFrIS_uYMlh2AJ5YuLXhFzWOEoIAmNwRxaUd4-Ig~~" =
target=3D"_blank" rel=3D"noopener noreferrer" style=3D"text-decoration: =
none;"><img =
src=3D"https://emailsignature.trustpilot.com/brand/n/2/logo.png" =
border=3D"0" height=3D"32" alt=3D"Trustpilot Logo" style=3D"max-height: =
32px; width: initial; margin: 0px;"><br><img =
src=3D"https://emailsignature.trustpilot.com/newsletter/en-US/2/57da77be0=
000ff000594bcdb/stars.png" border=3D"0" height=3D"32" alt=3D"Trustpilot =
Stars" style=3D"max-height: 32px; width: initial; margin: 5px =
0px;"><br><img =
src=3D"https://emailsignature.trustpilot.com/newsletter/en-US/2/57da77be0=
000ff000594bcdb/text@2x.png" border=3D"0" height=3D"14" =
alt=3D"TrustScore" style=3D"max-height: 14px; width: initial; margin: =
0px;"></a></p>=0A=
</table>=0A=
</div>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</div>=0A=
<!--[if gte mso 9]>=0A=
</v:textbox>=0A=
</v:rect>=0A=
<![endif]-->=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!--<![endif]-->=0A=
<!-- Mobile Content End -->=0A=
<!-- Desktop Content Start -->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" class=3D"fullWidth" =
bgcolor=3D"#F2F8F3" width=3D"520" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:520px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;border-radius:10px;" role=3D"presentation">=0A=
<tr class=3D"displayNone">=0A=
<td align=3D"center" =
background=3D"https://cdn.braze.eu/appboy/communication/assets/image_asse=
ts/images/67ebbe17e66379006401b5bb/original.png?1743502870" =
bgcolor=3D"#f2f8f3" width=3D"520" height=3D"45" =
style=3D"border-radius:10px;background-size:cover;background-repeat:no-re=
peat;background-position:center;">=0A=
<!--[if gte mso 9]>=0A=
<v:rect =
xmlns:v=3D"urn:schemas-microsoft-com:vml" fill=3D"true" stroke=3D"false" =
style=3D"width:520px;height:45px;">=0A=
<v:fill type=3D"tile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/67ebbe17e66379006401b5bb/original.png?1743502870" color=3D"#f2f8f3" />=0A=
<v:textbox inset=3D"0,0,0,0">=0A=
<![endif]-->=0A=
<div>=0A=
<table align=3D"center" =
class=3D"fullWidth" width=3D"520" height=3D"45" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:520px;height:45px;-webkit-text-size-adjust: =
100%;-ms-text-size-adjust: 100%;border-radius:10px;" =
role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:10px 0px =
10px 0px;">=0A=
<p style=3D"text-align: =
center;"><a =
href=3D"https://clicks.monzo.com/f/a/2PHCdEZhv9NneQA6A9nK6A~~/AAAHahA~/Gd=
KSxv0kfp6D8Rd2AKFys8qZPGX3WU0Yy7N2n1120zcaWngQ0oBXJ6YuhQp6vheY4h6jssgLMHE=
DUx4tqOrn1IDjkVrQB0-usoDuB3TZ231YS9YsYQixIKmDWb4fNluXxRQj1C-ltuac-y6DG6gQ=
JcQYJj1dQjUscWBGQn28QW2Rx_Jbhe9U7nCRejF-5ZOBH-u54Oe4wbVtkYvAagRTvQ~~" =
style=3D"text-decoration: none;"><img =
src=3D"https://emailsignature.trustpilot.com/newsletter/en-US/1/57da77be0=
000ff000594bcdb/text1@2x.png" border=3D"0" height=3D"18" alt=3D"Human =
score" style=3D"max-height: 18px;"></a> <a =
href=3D"https://clicks.monzo.com/f/a/2PHCdEZhv9NneQA6A9nK6A~~/AAAHahA~/Gd=
KSxv0kfp6D8Rd2AKFys8qZPGX3WU0Yy7N2n1120zcaWngQ0oBXJ6YuhQp6vheY4h6jssgLMHE=
DUx4tqOrn1IDjkVrQB0-usoDuB3TZ231YS9YsYQixIKmDWb4fNluXxRQj1C-ltuac-y6DG6gQ=
JcQYJj1dQjUscWBGQn28QW2Rx_Jbhe9U7nCRejF-5ZOBH-u54Oe4wbVtkYvAagRTvQ~~" =
style=3D"text-decoration: none;"><img =
src=3D"https://emailsignature.trustpilot.com/newsletter/en-US/1/57da77be0=
000ff000594bcdb/stars@2x.png" border=3D"0" height=3D"20" =
alt=3D"Trustpilot Stars" style=3D"max-height: 20px;"></a> =
<span style=3D"display: inline-block;"><a =
href=3D"https://clicks.monzo.com/f/a/2PHCdEZhv9NneQA6A9nK6A~~/AAAHahA~/Gd=
KSxv0kfp6D8Rd2AKFys8qZPGX3WU0Yy7N2n1120zcaWngQ0oBXJ6YuhQp6vheY4h6jssgLMHE=
DUx4tqOrn1IDjkVrQB0-usoDuB3TZ231YS9YsYQixIKmDWb4fNluXxRQj1C-ltuac-y6DG6gQ=
JcQYJj1dQjUscWBGQn28QW2Rx_Jbhe9U7nCRejF-5ZOBH-u54Oe4wbVtkYvAagRTvQ~~" =
style=3D"text-decoration: none;"><img =
src=3D"https://emailsignature.trustpilot.com/newsletter/en-US/1/57da77be0=
000ff000594bcdb/text2@2x.png" border=3D"0" height=3D"18" alt=3D"number =
of reviews" style=3D"max-height: 18px;"></a> <a =
href=3D"https://clicks.monzo.com/f/a/2PHCdEZhv9NneQA6A9nK6A~~/AAAHahA~/Gd=
KSxv0kfp6D8Rd2AKFys8qZPGX3WU0Yy7N2n1120zcaWngQ0oBXJ6YuhQp6vheY4h6jssgLMHE=
DUx4tqOrn1IDjkVrQB0-usoDuB3TZ231YS9YsYQixIKmDWb4fNluXxRQj1C-ltuac-y6DG6gQ=
JcQYJj1dQjUscWBGQn28QW2Rx_Jbhe9U7nCRejF-5ZOBH-u54Oe4wbVtkYvAagRTvQ~~" =
style=3D"text-decoration: none;"><img =
src=3D"https://emailsignature.trustpilot.com/brand/n/1/logo.png" =
border=3D"0" height=3D"20" alt=3D"Trustpilot Logo" style=3D"max-height: =
20px; display: inline-block;"></a></span></p>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</div>=0A=
<!--[if gte mso 9]>=0A=
</v:textbox>=0A=
</v:rect>=0A=
<![endif]-->=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Desktop Content End -->=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:20px 0px =
35px 0px;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"280" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" =
width=3D"280" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;" role=3D"presentation">=0A=
<tr>=0A=
<td>=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/bjXen5ndbZh4w14eolic0Q~~/AAAHahA~/q3=
z_WSCHem_9guJ9YJ-hWdFKn3TlE----NDttc92uoZcs9O9_NL02HMyzFtKGrwXEZYuW7y2PbT=
wbAF69zreDWzEHnrWfNOrSamOtwtEqmYFz2JDdcErFyN3u3O7TDEr" target=3D"_blank">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/63298f1975150f66f4cb1647/original.png?1663667993" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:90px;" width=3D"90" =
alt=3D"FSCS Protected">=0A=
</a>=0A=
</td>=0A=
<td>=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/6xXNs_pMKeFW2UXSdbESBw~~/AAAHahA~/UQ=
Hl-K_hKDD1aVdptBHwABMWtuRp6IAUWa_JHs-zKuCu0bGEYUriSw-BOu8Z-rBdv7pY65qNF_4=
vN2TZz39Cuet_rlSmZdoS93QjR5tdVeXsAyek7xz6y1DCOh-xOZcQW7vuoc90Nd8RsA4VYXwi=
44Ll1KBXduRSVli3hw2ojGZNt0ZCA75s7EQRtCly1rvx" target=3D"_blank">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/63298f199248f06ae7460245/original.png?1663667993" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:90px;" width=3D"90" =
alt=3D"Direct Debit Guarantee">=0A=
</a>=0A=
</td>=0A=
<td>=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/Ljl9RdBSJKSpiKjvqkvqXA~~/AAAHahA~/LR=
-7ncwhqTYvaF27-zyS1RfMfQmDDI3QnOSGm0CHSKl6chTOsDjl9iSN6_lFNFDtUEQM-QmpwNk=
U5OWIutiSakAlbuN2oir81E9J7ZHP6o8f764h0VLVvfmqTqilsEzcU8zkcgVgTgdu7kxgBUOh=
rg~~" target=3D"_blank">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/63298f1975150f61cecb2258/original.png?1663667993" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:90px;" width=3D"90" =
alt=3D"Current Account Switch Guarantee">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Footer 1 End -->=0A=
=0A=
<!-- Footer 2 Start -->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" class=3D"darkmode2 =
fullWidth" bgcolor=3D"#F2F8F3" width=3D"650" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:0px 20px;">=0A=
<table align=3D"center" class=3D"darkmodeBorderT =
fullWidth" width=3D"450" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:450px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;border-top:1px solid #DEE4DF;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:35px 0px =
20px 0px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/KyPfBSnN07UnErUUJvH5uA~~/AAAHahA~/4Q=
FrPvurdefVe6e6icikSOYbowmDpKjhrxoAZCgNeKnVUsbE02mfyGIbkgYw0FDduLc-7Mz5kSt=
Zb1ltlptyfNSLlam_k_Rkt-2gdESszjg~" target=3D"_blank">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/63298f19c5b4f62aac866b7c/original.png?1663667993" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:20px;" width=3D"20" =
alt=3D"Monzo">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td class=3D"darkmodeFont2" align=3D"center" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:11px;line-height:20px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:center;padding:20px 10px;">=0A=
Don=E2=80=99t want to hear from us =
again?<br>You can <a =
href=3D"https://clicks.monzo.com/f/a/hbD1vqqf_su_BPy0uXnxSQ~~/AAAHahA~/Io=
Ig3MKqGusZ-MmEA8v5mr0p5gtZMAovPOjmKUobgEYfF-esaQR3od-94hU-1s8Sc_kT4M6xfTI=
mRRMaOksZIScnyUlp1oSmRUMidRzkQTXTZo9RnlwbOmnHTojVFoc8iw7UGP6UEdmFU1QAXgOs=
6A~~" target=3D"_blank" =
style=3D"color:#111111;text-decoration:underline;font-weight:bold;" =
class=3D"darkmodeFont2">unsubscribe</a> at any time. No hard =
feelings.<br><br>=0A=
Monzo Bank Limited is a company registered =
in England and Wales (No.09446231) registered at Broadwalk House, 5 =
Appold Street, London EC2A 2AG.<br>Monzo Bank Ltd is authorised by =
the Prudential Regulation Authority and regulated by the Financial =
Conduct Authority and the Prudential Regulation Authority. Our Financial =
Services Register number is 730427.=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:15px 0px =
35px 0px;">=0A=
<table align=3D"center" width=3D"130" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:130px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/6u-6p8EGMHIgp1ZypFmy6Q~~/AAAHahA~/oD=
TrrwC6NNIeJ7Isw-9OgBx-rZvh5qhkSsoHZ9hE9g_TROwlgx7Y1TAW7SXgu5vFU9Axvi268_g=
ApvWhWyoDLuw_R-NGwCJObBBBKOSDn3VvA5BkG8wE19TBL8z2JOsns-zLH2wG36s6-Gpu5DNC=
0w~~" target=3D"_blank">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/65ba6b26d5d9fe006b1d4ce8/original.png?1706715942" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:30px;" width=3D"30" =
alt=3D"LinkedIn">=0A=
</a>=0A=
</td>=0A=
<td align=3D"center">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/tiSuGuw2Nbqw8yD169UBLw~~/AAAHahA~/0W=
gfTRj3vSjVtFuBQDriz4HQzIVXI6tTUv7oAfpbwk2RD16Ok7g51BJfQFyamGFn38A83oRuTWf=
cl2YpjeeyQhiiuc3RSIhCUW2rHC_HMtC5scMuypigWtIwwqY2JOqx" target=3D"_blank">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/65ba6b26c42270006861beaf/original.png?1706715942" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:30px;" width=3D"30" =
alt=3D"TikTok">=0A=
</a>=0A=
</td>=0A=
<td align=3D"center">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/LdoCyo74iJ7jKjke3pxtfA~~/AAAHahA~/t7=
EKhbwExaTVAprW_10QOgp0bXMBTIcQKCJK8Y1K-DeM01jepNAd7W3EySfu1VwObrN7pgmod0A=
qTlJoeHTj0pEJbU-EZYBP9fXpxpCRb2WYzA2F6qgxpmNy4rBMV2lz" target=3D"_blank">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/65ba6b26b28aa6006ae580e5/original.png?1706715942" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:30px;" width=3D"30" =
alt=3D"Instagram">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Footer 2 End --> =0A=
=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Email Inner Start -->=0A=
</table>=0A=
<!-- Email End -->=0A=
</div>=0A=
=0A=
<img border=3D"0" width=3D"1" height=3D"1" alt=3D"" =
src=3D"https://clicks.monzo.com/q/3F9MBJGuFOBo0S9Vxv_KtA~~/AAAHahA~/hNoB-=
NlQh47V6-4E8C-CKURCk_4tMJn-2lnriHhLLm6nmAYTOxrLicqflOjPJM0r_xctUAqt0gYGXS=
BcU1v_nw~~">
</body>=0A=
=0A=
</html>
------=_NextPart_000_04A1_01DBB909.A8638420--