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Subject: Robert, check your Creation Loan eligibility today
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From: Creation <Creation@secure.creation.co.uk>
Date: Sat, 9 May 2026 10:15:25 +0100
MIME-Version: 1.0
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Creation
Creation
https://secure.creation.co.uk/c/11kc9MV7ewcW2rlywFb2y08kib0b
Creation Loans | View online https://secure.creation.co.uk/q/1fb3ZoJNpqYXdo=
oEpK5WYGI/wv
Borrow =C2=A37,500 for just =C2=A3170.97 per month
Hi Robert
Based on what we know about you as a Currys flexpay account customer, we'd =
like to invite you to apply for a Creation Loan1.
Our invite is valid until 28 May 2026 and may change after that, your exclu=
sive offer code is: DLB0526.
Icon
Check you=E2=80=99re pre-approved2 with a personalised rate, and no impact =
on your credit score.
Icon
You could get your money the next working day3.
Icon
13.9% APR Representative4 for loans =C2=A37,500 to =C2=A320,000.
Get your offer
https://secure.creation.co.uk/c/11kca27coc4qsr9uawOxneuA50Ey
The important bits
We're inviting you to apply for a loan based on information we hold on you =
at the date this email is sent. If you apply, we'll ask you to do an eligib=
ility check without affecting your credit rating, but will help us decide i=
f we can offer you a loan. If you pass our eligibility check, you'll be pre=
-approved for a loan and you'll see your personalised interest rate. If you=
go ahead and complete a full application, we=E2=80=99ll do a full credit c=
heck with the credit reference agencies. This check may affect your credit =
score and we may still refuse an application at this stage. Making late or =
missing repayments can have an impact on your credit file and affect your a=
bility to obtain credit in the future. For support information please click=
here
https://secure.creation.co.uk/c/11kcahjhxRVUSqXpOos2csQPRQiV.
Loans made simple
To help you understand how much a loan would cost, here's our representativ=
e example that shows how much a Creation Loan of =C2=A37,500 would cost at =
least 51% of customers.
Representative example4
If you take a loan of =C2=A37,500 over 60 months at a representative APR of=
13.9% APR with an annual fixed rate of 13.9%, your monthly repayments woul=
d be =C2=A3170.97. The total amount you=E2=80=99d repay would be =C2=A310,2=
58.20.
Get your offer
https://secure.creation.co.uk/c/11kcawvmHxNpiqLlsg5x1Hd5EFXi
Thanks
The Creation Team
Human score
https://secure.creation.co.uk/c/11kcaLHrRdETIqzh67J1QVzlrvBF Trustpilot Sta=
rs
https://secure.creation.co.uk/c/11kcb0Tx0Two8qncJZmwG9VBelg2 number of revi=
ews
https://secure.creation.co.uk/c/11kcbg5CaznSyqb8nR01vohR1aUp Trustpilot Logo
https://secure.creation.co.uk/c/11kcbvhHkffmYpZ41IDwkCE6O0yM
Everything else you need to know
To apply for a Creation Loan, you'll need to:
be aged 23 to 70 when you apply have lived in the UK for a least 3 years ea=
rn at least =C2=A39,600 a year (after tax) provide a mobile number and emai=
l address
Our invitation doesn't guarantee you'll get a loan. Even if you pass our ch=
ecks, we may still refuse an application or decide not to lend for certain =
purposes.
1. Why are you receiving this offer?
We=E2=80=99ve been able to pre-screen the information we hold on you as an =
existing customer, on the date this communication is sent. Which means we c=
an invite you to apply for a personal loan.
2. What does pre-approval mean?
Pre-approval is when we check if you're likely to be accepted for a Creatio=
n Loan. It means we're confident we can lend to you if your details are cor=
rect and you pass our final checks.
We'll contact credit reference agencies during this step, but it won't affe=
ct your credit score or be seen by other lenders. If you go ahead and apply=
, we'll then do a full credit search, which may leave a record on your cred=
it file.
3. When will you get the money?
We=E2=80=99ll release your funds the next working day from the date of e-si=
gn, subject to final checks.
4. What does =E2=80=98Representative APR=E2=80=99 mean?
To help you understand how much a loan would cost, our Representative APR s=
hows how much a Creation Loan of =C2=A37,500 would cost at least 51% of cus=
tomers.
Your own rate may be different, depending on your personal details and how =
much you borrow. The highest rate we may charge you is 29.9% APR.
How do we decide your interest rate?
If you do an eligibility check for a loan with us, we=E2=80=99ll use the de=
tails from the application to give you a personalised rate based on informa=
tion such as your credit score, personal circumstances and loan amount. We =
decide the interest rate we can offer you, which may differ from the repres=
entative APR. There are no arrangement fees.
Can I repay my loan early?
Yes, you can pay off your loan at any time. If you'd like to do this, we'll=
give you an early settlement figure that's valid for 28 days. This include=
s the interest for the month you make your request, plus up to 28 days' ext=
ra interest. By paying off your loan early, you'll pay less interest overal=
l than if you kept making your regular payments for the full term.
Icon
If you need any support to manage your account, for example communications =
in Braille or Large Print, you can tell us by completing a Self-Declaration=
form here
https://secure.creation.co.uk/c/11kcbZFRDAYlOpAVjrUvZ5mCnFRw.
Creation Consumer Finance Limited is authorised and regulated by the Financ=
ial Conduct Authority, Registration Number 311518.
Creation Consumer Finance Limited, Registered Office: 6th floor, Wellington=
Buildings, 2 =E2=80=93 4 Wellington Street, Belfast, BT1 6HT. Registered i=
n Northern Ireland NIO32565.
If you don=E2=80=99t wish to receive marketing emails in the future, you ca=
n unsubscribe here https://secure.creation.co.uk/u/17olkzzirZVp4eQzTljEDLv.
=C2=A9 Creation 2026=
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<p style=3D"margin: 0;">Creation Loans | <a href=3D"https=
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le=3D"text-decoration: underline; color: #154734;" target=3D"_blank">View o=
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e-height: 1px; border-top: 1px solid #96dc00;"><span style=3D"word-break: b=
reak-word;"> </span></td>
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<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
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<h1 style=3D"margin: 0; color: #154734; direction: ltr; fon=
t-family: 'Ubuntu', Tahoma, Verdana, Segoe, sans-serif; font-size: 29px; fo=
nt-weight: 700; letter-spacing: normal; line-height: 1.2; text-align: left;=
margin-top: 0; margin-bottom: 0; mso-line-height-alt: 35px;"><span class=
=3D"tinyMce-placeholder" style=3D"word-break: break-word;">Borrow =C2=A37,5=
00 for just =C2=A3170.97 per month</span></h1>
</td>
</tr>
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<td class=3D"pad" style=3D"padding-top:25px;text-align:cente=
r;width:100%;">
<h2 style=3D"margin: 0; color: #337f37; direction: ltr; fon=
t-family: 'Ubuntu', Tahoma, Verdana, Segoe, sans-serif; font-size: 25px; fo=
nt-weight: 700; letter-spacing: normal; line-height: 1.3; text-align: left;=
margin-top: 0; margin-bottom: 0; mso-line-height-alt: 33px;"><span class=
=3D"tinyMce-placeholder" style=3D"word-break: break-word;">Hi Robert</span>=
</h2>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"paragraph_block block-4" role=3D"presentation" style=3D"mso-table-lspac=
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<tr>
<td class=3D"pad" style=3D"padding-bottom:30px;padding-top:1=
6px;">
<div style=3D"color:#154734;direction:ltr;font-family:'Open=
Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-size:16px;font-=
weight:400;letter-spacing:0px;line-height:1.4;text-align:left;mso-line-heig=
ht-alt:22px;">
<p style=3D"margin: 0; margin-bottom: 15px;">Based on what=
we know about you as a <span style=3D"font-family:'Open Sans', 'Helvetica =
Neue', Helvetica, Arial, sans-serif;font-weight:700;">Currys flexpay accoun=
t</span> customer, we'd like to invite you to apply for a <span style=3D"fo=
nt-family:'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-=
weight:700;">Creation Loan<sup style=3D"line-height: 0; font-size: 60%;">1<=
/sup></span>.
<p style=3D"margin: 0;">Our invite is valid until <span st=
yle=3D"font-family:'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-se=
rif;font-weight:700;">28 May 2026</span> and may change after that, your ex=
clusive offer code is: <span style=3D"font-family:'Open Sans', 'Helvetica N=
eue', Helvetica, Arial, sans-serif;font-weight:700;">DLB0526</span>.
</div>
</td>
</tr>
</table>
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pt; mso-table-rspace: 0pt; text-align: left; line-height: 0;" width=3D"100%=
">
<tr>
<td class=3D"pad" style=3D"vertical-align: middle; color: #1=
54734; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-s=
erif; font-size: 16px; font-weight: 700; padding-bottom: 15px; text-align: =
left;"><!--[if vml]><table align=3D"left" cellpadding=3D"0" cellspacing=3D"=
0" role=3D"presentation" style=3D"display:inline-block;padding-left:0px;pad=
ding-right:0px;mso-table-lspace: 0pt;mso-table-rspace: 0pt;"><![endif]-->
<!--[if !vml]><!-->
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"icons-i=
nner" role=3D"presentation" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; display: inline-block; padding-left: 0px; padding-right: 0px;"><!--=
<![endif]-->
<tr>
<td style=3D"vertical-align: middle; text-align: center; =
padding-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 15=
px;"><img align=3D"center" alt=3D"Icon" class=3D"icon" height=3D"auto" src=
=3D"http://secure.creation.co.uk/files/amf_laser_uk/project_445/creation-lo=
ans-bau-april-2026-email/creation_loans_bau_april_2026_email/images/finance=
_search.png" style=3D"display: block; height: auto; margin: 0 auto; border:=
0;" width=3D"57" /></td>
<td style=3D"font-family: 'Open Sans', 'Helvetica Neue', =
Helvetica, Arial, sans-serif; font-size: 16px; font-weight: 700; color: #15=
4734; vertical-align: middle; letter-spacing: normal; text-align: left; lin=
e-height:1.4; mso-line-height-alt:22px;">Check you’re pre-approved<su=
p style=3D"line-height: 0; font-size: 60%;">2</sup> with a personalised rat=
e, and no impact on your credit score.</td>
</tr>
</table>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"icons_block block-6" role=3D"presentation" style=3D"mso-table-lspace: 0=
pt; mso-table-rspace: 0pt; text-align: left; line-height: 0;" width=3D"100%=
">
<tr>
<td class=3D"pad" style=3D"vertical-align: middle; color: #1=
54734; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-s=
erif; font-size: 16px; font-weight: 700; padding-bottom: 15px; text-align: =
left;"><!--[if vml]><table align=3D"left" cellpadding=3D"0" cellspacing=3D"=
0" role=3D"presentation" style=3D"display:inline-block;padding-left:0px;pad=
ding-right:0px;mso-table-lspace: 0pt;mso-table-rspace: 0pt;"><![endif]-->
<!--[if !vml]><!-->
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"icons-i=
nner" role=3D"presentation" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; display: inline-block; padding-left: 0px; padding-right: 0px;"><!--=
<![endif]-->
<tr>
<td style=3D"vertical-align: middle; text-align: center; =
padding-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 15=
px;"><img align=3D"center" alt=3D"Icon" class=3D"icon" height=3D"auto" src=
=3D"http://secure.creation.co.uk/files/amf_laser_uk/project_445/creation-lo=
ans-bau-april-2026-email/creation_loans_bau_april_2026_email/images/money_i=
con.png" style=3D"display: block; height: auto; margin: 0 auto; border: 0;"=
width=3D"57" /></td>
<td style=3D"font-family: 'Open Sans', 'Helvetica Neue', =
Helvetica, Arial, sans-serif; font-size: 16px; font-weight: 700; color: #15=
4734; vertical-align: middle; letter-spacing: normal; text-align: left; lin=
e-height:1.4; mso-line-height-alt:22px;">You could get your money the next =
working day<sup style=3D"line-height: 0; font-size: 60%;">3</sup>.</td>
</tr>
</table>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"icons_block block-7" role=3D"presentation" style=3D"mso-table-lspace: 0=
pt; mso-table-rspace: 0pt; text-align: left; line-height: 0;" width=3D"100%=
">
<tr>
<td class=3D"pad" style=3D"vertical-align: middle; color: #1=
54734; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-s=
erif; font-size: 16px; font-weight: 700; text-align: left;"><!--[if vml]><t=
able align=3D"left" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentatio=
n" style=3D"display:inline-block;padding-left:0px;padding-right:0px;mso-tab=
le-lspace: 0pt;mso-table-rspace: 0pt;"><![endif]-->
<!--[if !vml]><!-->
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"icons-i=
nner" role=3D"presentation" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; display: inline-block; padding-left: 0px; padding-right: 0px;"><!--=
<![endif]-->
<tr>
<td style=3D"vertical-align: middle; text-align: center; =
padding-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 15=
px;"><img align=3D"center" alt=3D"Icon" class=3D"icon" height=3D"auto" src=
=3D"http://secure.creation.co.uk/files/amf_laser_uk/project_445/creation-lo=
ans-bau-april-2026-email/creation_loans_bau_april_2026_email/images/calcula=
tor_icon.png" style=3D"display: block; height: auto; margin: 0 auto; border=
: 0;" width=3D"57" /></td>
<td style=3D"font-family: 'Open Sans', 'Helvetica Neue', =
Helvetica, Arial, sans-serif; font-size: 16px; font-weight: 700; color: #15=
4734; vertical-align: middle; letter-spacing: normal; text-align: left; lin=
e-height:1.4; mso-line-height-alt:22px;">13.9% APR Representative<sup style=
=3D"line-height: 0; font-size: 60%;">4</sup> for loans =C2=A37,500 to =C2=
=A320,000.</td>
</tr>
</table>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"button_block block-8" role=3D"presentation" style=3D"mso-table-lspace: =
0pt; mso-table-rspace: 0pt;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top:30px;text-align:left;=
">
<div align=3D"left" class=3D"alignment"><a href=3D"https://=
secure.creation.co.uk/c/11kc7AamPrrwgt6bJSrz6UU2cG8Q" style=3D"color:#fffff=
f;text-decoration:none;" target=3D"_blank"><!--[if mso]>
<v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D"urn:schem=
as-microsoft-com:office:word" href=3D"https://www.creation.co.uk/DLDT10526=
" style=3D"height:50px;width:162px;v-text-anchor:middle;" arcsize=3D"100%"=
fillcolor=3D"#337f37">
<v:stroke dashstyle=3D"Solid" weight=3D"0px" color=3D"#337f37"/>
<w:anchorlock/>
<v:textbox inset=3D"0px,0px,0px,0px">
<center dir=3D"false" style=3D"color:#ffffff;font-family:'Open Sans', 'Helv=
etica Neue', Helvetica, Arial, sans-serif;font-size: 16px;font-weight: 700">
<![endif]--><span class=3D"button" style=3D"background-color: #337f37; mso-=
shading: transparent; border-bottom: 0px solid transparent; border-left: 0p=
x solid transparent; border-radius: 50px; border-right: 0px solid transpare=
nt; border-top: 0px solid transparent; color: #ffffff; display: inline-bloc=
k; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif=
; font-size: 16px; font-weight: 700; mso-border-alt: none; padding-bottom: =
9px; padding-top: 9px; padding-left: 25px; padding-right: 25px; text-align:=
center; width: auto; word-break: keep-all; letter-spacing: normal;"><span =
style=3D"word-break: break-word; line-height: 32px;">Get your offer</span><=
/span><!--[if mso]></center></v:textbox></v:roundrect><![endif]--></a></div>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"divider_block block-9" role=3D"presentation" style=3D"mso-table-lspace:=
0pt; mso-table-rspace: 0pt;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-bottom:30px;padding-top:3=
0px;">
<div align=3D"center" class=3D"alignment">
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" ro=
le=3D"presentation" style=3D"mso-table-lspace: 0pt; mso-table-rspace: 0pt;"=
width=3D"100%">
<tr>
<td class=3D"divider_inner" style=3D"font-size: 1px; lin=
e-height: 1px; border-top: 1px solid #96dc00;"><span style=3D"word-break: b=
reak-word;"> </span></td>
</tr>
</table>
</div>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"heading_block block-10" role=3D"presentation" style=3D"mso-table-lspace=
: 0pt; mso-table-rspace: 0pt;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"text-align:center;width:100%;">
<h2 style=3D"margin: 0; color: #337f37; direction: ltr; fon=
t-family: 'Ubuntu', Tahoma, Verdana, Segoe, sans-serif; font-size: 25px; fo=
nt-weight: 700; letter-spacing: normal; line-height: 1.3; text-align: left;=
margin-top: 0; margin-bottom: 0; mso-line-height-alt: 33px;"><span class=
=3D"tinyMce-placeholder" style=3D"word-break: break-word;">The important bi=
ts</span></h2>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"list_block block-11" role=3D"presentation" style=3D"mso-table-lspace: 0=
pt; mso-table-rspace: 0pt; word-break: break-word; color: #154734; directio=
n: ltr; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-=
serif; font-size: 16px; font-weight: 400; letter-spacing: 0px; line-height:=
1.4; text-align: left; mso-line-height-alt: 22px;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top:16px;">
<div style=3D"margin-left:-20px">
<ul start=3D"1" style=3D"margin-top: 0; margin-bottom: 0; =
list-style-type: revert;">
<li style=3D"Margin: 0 0 15px 0;">We're inviting you to a=
pply for a loan based on information we hold on you at the date this email =
is sent.
<li style=3D"Margin: 0 0 15px 0;">If you apply, we'll ask=
you to do an eligibility check without affecting your credit rating, but w=
ill help us decide if we can offer you a loan.
<li style=3D"Margin: 0 0 15px 0;">If you pass our eligibi=
lity check, you'll be pre-approved for a loan and you'll see your personali=
sed interest rate.
<li style=3D"Margin: 0 0 15px 0;">If you go ahead and com=
plete a full application, we’ll do a full credit check with the credi=
t reference agencies. This check may affect your credit score and we may st=
ill refuse an application at this stage.
<li style=3D"Margin: 0 0 0 0;"><span style=3D"font-family=
:'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-weight:70=
0;">Making late or missing repayments can have an impact on your credit fil=
e and affect your ability to obtain credit in the future. <a href=3D"https:=
//secure.creation.co.uk/c/11kc7PmrZ7j0GsU7nK53W9ghZvNd" rel=3D"noopener" st=
yle=3D"text-decoration: underline; color: #154734;" target=3D"_blank">For s=
upport information please click here</a>.</span>
</ul>
</div>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"divider_block block-12" role=3D"presentation" style=3D"mso-table-lspace=
: 0pt; mso-table-rspace: 0pt;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-bottom:30px;padding-top:3=
0px;">
<div align=3D"center" class=3D"alignment">
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" ro=
le=3D"presentation" style=3D"mso-table-lspace: 0pt; mso-table-rspace: 0pt;"=
width=3D"100%">
<tr>
<td class=3D"divider_inner" style=3D"font-size: 1px; lin=
e-height: 1px; border-top: 1px solid #96dc00;"><span style=3D"word-break: b=
reak-word;"> </span></td>
</tr>
</table>
</div>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"heading_block block-13" role=3D"presentation" style=3D"mso-table-lspace=
: 0pt; mso-table-rspace: 0pt;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"text-align:center;width:100%;">
<h2 style=3D"margin: 0; color: #337f37; direction: ltr; fon=
t-family: 'Ubuntu', Tahoma, Verdana, Segoe, sans-serif; font-size: 25px; fo=
nt-weight: 700; letter-spacing: normal; line-height: 1.3; text-align: left;=
margin-top: 0; margin-bottom: 0; mso-line-height-alt: 33px;"><span class=
=3D"tinyMce-placeholder" style=3D"word-break: break-word;">Loans made simpl=
e</span></h2>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"paragraph_block block-14" role=3D"presentation" style=3D"mso-table-lspa=
ce: 0pt; mso-table-rspace: 0pt; word-break: break-word;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-bottom:30px;padding-top:1=
6px;">
<div style=3D"color:#154734;direction:ltr;font-family:'Open=
Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-size:16px;font-=
weight:400;letter-spacing:0px;line-height:1.4;text-align:left;mso-line-heig=
ht-alt:22px;">
<p style=3D"margin: 0;">To help you understand how much a =
loan would cost, here's our representative example that shows how much a Cr=
eation Loan of =C2=A37,500 would cost at least 51% of customers.
</div>
</td>
</tr>
</table>
</td>
</tr>
=09=09=09=09=09=09=09=09=09=09
</table>
</td>
</tr>
=09=09=09=09=09=09
</table>
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" class=3D"row row-3" role=3D"presentation" style=3D"mso-table-lspace: 0pt=
; mso-table-rspace: 0pt; background-color: #c1c6c8;" width=3D"100%">
=09=09=09=09=09=09
<tr>
<td>
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"row-content stack" role=3D"presentation" style=3D"mso-table=
-lspace: 0pt; mso-table-rspace: 0pt; border-left: 30px solid transparent; b=
order-right: 30px solid transparent; background-color: #ffffff; color: #000=
000; width: 640px; margin: 0 auto;" width=3D"640">
=09=09=09=09=09=09=09=09=09=09
<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; m=
so-table-rspace: 0pt; font-weight: 400; text-align: left; border-bottom: 3p=
x solid #154734; border-left: 3px solid #154734; border-right: 3px solid #1=
54734; border-top: 3px solid #154734; vertical-align: top; border-radius: 1=
5px;" width=3D"100%">
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"heading_block block-1" role=3D"presentation" style=3D"mso-table-lspace:=
0pt; mso-table-rspace: 0pt;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-left:30px;padding-right:3=
0px;padding-top:30px;text-align:center;width:100%;">
<h2 style=3D"margin: 0; color: #154734; direction: ltr; fon=
t-family: 'Ubuntu', Tahoma, Verdana, Segoe, sans-serif; font-size: 25px; fo=
nt-weight: 700; letter-spacing: normal; line-height: 1.3; text-align: left;=
margin-top: 0; margin-bottom: 0; mso-line-height-alt: 33px;"><span class=
=3D"tinyMce-placeholder" style=3D"word-break: break-word;">Representative e=
xample<sup style=3D"line-height: 0; font-size: 60%;">4</sup></span></h2>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"paragraph_block block-2" role=3D"presentation" style=3D"mso-table-lspac=
e: 0pt; mso-table-rspace: 0pt; word-break: break-word;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-bottom:30px;padding-left:=
30px;padding-right:30px;padding-top:16px;">
<div style=3D"color:#154734;direction:ltr;font-family:'Open=
Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-size:16px;font-=
weight:400;letter-spacing:0px;line-height:1.4;text-align:left;mso-line-heig=
ht-alt:22px;">
<p style=3D"margin: 0;">If you take a loan of <span style=
=3D"font-family:'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif=
;font-weight:700;">=C2=A37,500</span> over <span style=3D"font-family:'Open=
Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-weight:700;">60=
</span> months at a representative APR of <span style=3D"font-family:'Open =
Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-weight:700;">13.=
9% APR</span> with an annual fixed rate of <span style=3D"font-family:'Open=
Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-weight:700;">13=
.9%</span>, your monthly repayments would be <span style=3D"font-family:'Op=
en Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-weight:700;">=
=C2=A3170.97</span>. The total amount you’d repay would be <span styl=
e=3D"font-family:'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-seri=
f;font-weight:700;">=C2=A310,258.20</span>.
</div>
</td>
</tr>
</table>
</td>
</tr>
=09=09=09=09=09=09=09=09=09=09
</table>
</td>
</tr>
=09=09=09=09=09=09
</table>
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" class=3D"row row-4" role=3D"presentation" style=3D"mso-table-lspace: 0pt=
; mso-table-rspace: 0pt; background-color: #c1c6c8;" width=3D"100%">
=09=09=09=09=09=09
<tr>
<td>
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"row-content stack" role=3D"presentation" style=3D"mso-table=
-lspace: 0pt; mso-table-rspace: 0pt; border-left: 30px solid transparent; b=
order-right: 30px solid transparent; background-color: #ffffff; color: #000=
000; width: 640px; margin: 0 auto;" width=3D"640">
=09=09=09=09=09=09=09=09=09=09
<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; m=
so-table-rspace: 0pt; font-weight: 400; text-align: left; background-color:=
#ffffff; vertical-align: top;" width=3D"100%">
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"button_block block-1" role=3D"presentation" style=3D"mso-table-lspace: =
0pt; mso-table-rspace: 0pt;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-bottom:30px;padding-top:3=
0px;text-align:left;">
<div align=3D"left" class=3D"alignment"><a href=3D"https://=
secure.creation.co.uk/c/11kc84yx8Nav6sI31BIyLnCxMlrA" style=3D"color:#fffff=
f;text-decoration:none;" target=3D"_blank"><!--[if mso]>
<v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D"urn:schem=
as-microsoft-com:office:word" href=3D"https://www.creation.co.uk/DLDT10526=
" style=3D"height:50px;width:162px;v-text-anchor:middle;" arcsize=3D"100%"=
fillcolor=3D"#337f37">
<v:stroke dashstyle=3D"Solid" weight=3D"0px" color=3D"#337f37"/>
<w:anchorlock/>
<v:textbox inset=3D"0px,0px,0px,0px">
<center dir=3D"false" style=3D"color:#ffffff;font-family:'Open Sans', 'Helv=
etica Neue', Helvetica, Arial, sans-serif;font-size: 16px;font-weight: 700">
<![endif]--><span class=3D"button" style=3D"background-color: #337f37; mso-=
shading: transparent; border-bottom: 0px solid transparent; border-left: 0p=
x solid transparent; border-radius: 50px; border-right: 0px solid transpare=
nt; border-top: 0px solid transparent; color: #ffffff; display: inline-bloc=
k; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif=
; font-size: 16px; font-weight: 700; mso-border-alt: none; padding-bottom: =
9px; padding-top: 9px; padding-left: 25px; padding-right: 25px; text-align:=
center; width: auto; word-break: keep-all; letter-spacing: normal;"><span =
style=3D"word-break: break-word; line-height: 32px;">Get your offer</span><=
/span><!--[if mso]></center></v:textbox></v:roundrect><![endif]--></a></div>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"paragraph_block block-2" role=3D"presentation" style=3D"mso-table-lspac=
e: 0pt; mso-table-rspace: 0pt; word-break: break-word;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-bottom:30px;">
<div style=3D"color:#154734;direction:ltr;font-family:'Open=
Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-size:16px;font-=
weight:400;letter-spacing:0px;line-height:1.4;text-align:left;mso-line-heig=
ht-alt:22px;">
<p style=3D"margin: 0;">Thanks<br /><span style=3D"font-fa=
mily:'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-weigh=
t:700;">The Creation Team</span>
</div>
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</table>
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<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" class=3D"row row-5" role=3D"presentation" style=3D"mso-table-lspace: 0pt=
; mso-table-rspace: 0pt; background-color: #c1c6c8;" width=3D"100%">
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<td>
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"row-content stack" role=3D"presentation" style=3D"mso-table=
-lspace: 0pt; mso-table-rspace: 0pt; background-color: #ffffff; border-left=
: 30px solid transparent; border-radius: 0; border-right: 30px solid transp=
arent; color: #000000; width: 640px; margin: 0 auto;" width=3D"640">
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<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; m=
so-table-rspace: 0pt; font-weight: 400; text-align: left; background-color:=
#154734; vertical-align: top; border-radius: 15px 15px 0px 0px;" width=3D"=
100%">
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"html_block block-1" role=3D"presentation" style=3D"mso-table-lspace: 0p=
t; mso-table-rspace: 0pt;" width=3D"100%">
<tr>
<td class=3D"pad">
<div align=3D"center" style=3D"font-family:Nunito, Arial, H=
elvetica Neue, Helvetica, sans-serif;text-align:center;"><p style=3D"text-a=
lign: center; padding: 15px;"><a href=3D"https://secure.creation.co.uk/c/11=
kc8jKCit1ZwsvYFtm3ABYNzb5X" style=3D"text-decoration: none;"><img alt=3D"Hu=
man score" border=3D"0" height=3D"18" src=3D"https://emailsignature.trustpi=
lot.com/newsletter/en-GB/1/4bec316900006400050b3ba7/text1_dark@2x.png" styl=
e=3D"max-height: 18px;" /></a> <a href=3D"https://secure.creat=
ion.co.uk/c/11kc8yWHs8TtWsjUjkZypQl3m0Kk" style=3D"text-decoration: none;">=
<img alt=3D"Trustpilot Stars" border=3D"0" height=3D"20" src=3D"https://ema=
ilsignature.trustpilot.com/newsletter/en-GB/1/4bec316900006400050b3ba7/star=
s@2x.png" style=3D"max-height: 20px;" /></a> <span style=3D"di=
splay: inline-block;"><a href=3D"https://secure.creation.co.uk/c/11kc8O8MBO=
KYms7PXcD3f4Hj8QoH" style=3D"text-decoration: none;"><img alt=3D"number of =
reviews" border=3D"0" height=3D"18" src=3D"https://emailsignature.trustpilo=
t.com/newsletter/en-GB/1/4bec316900006400050b3ba7/text2_dark@2x.png" style=
=3D"max-height: 18px;" /></a> <a href=3D"https://secure.creati=
on.co.uk/c/11kc9iwWVatXcrJHeVU2TxpOIvHr" style=3D"text-decoration: none;"><=
img alt=3D"Trustpilot Logo" border=3D"0" height=3D"20" src=3D"https://email=
signature.trustpilot.com/brand/n/1/logo_dark.png" style=3D"max-height: 20px=
; display: inline-block;" /></a></span></div>
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<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" class=3D"row row-6" role=3D"presentation" style=3D"mso-table-lspace: 0pt=
; mso-table-rspace: 0pt; background-color: #c1c6c8;" width=3D"100%">
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<td>
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"row-content stack" role=3D"presentation" style=3D"mso-table=
-lspace: 0pt; mso-table-rspace: 0pt; border-left: 30px solid transparent; b=
order-right: 30px solid transparent; background-color: #ffffff; color: #000=
000; width: 640px; margin: 0 auto;" width=3D"640">
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<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; m=
so-table-rspace: 0pt; font-weight: 400; text-align: left; background-color:=
#e8f1e8; vertical-align: top; border-radius: 0px 0px 0px 0px;" width=3D"10=
0%">
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"heading_block block-1" role=3D"presentation" style=3D"mso-table-lspace:=
0pt; mso-table-rspace: 0pt;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-left:30px;padding-right:3=
0px;padding-top:30px;text-align:center;width:100%;">
<h3 style=3D"margin: 0; color: #154734; direction: ltr; fon=
t-family: 'Ubuntu', Tahoma, Verdana, Segoe, sans-serif; font-size: 20px; fo=
nt-weight: 700; letter-spacing: normal; line-height: 1.3; text-align: left;=
margin-top: 0; margin-bottom: 0; mso-line-height-alt: 26px;"><span class=
=3D"tinyMce-placeholder" style=3D"word-break: break-word;">Everything else =
you need to know</span></h3>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"paragraph_block block-2" role=3D"presentation" style=3D"mso-table-lspac=
e: 0pt; mso-table-rspace: 0pt; word-break: break-word;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-left:30px;padding-right:3=
0px;padding-top:12px;">
<div style=3D"color:#154734;direction:ltr;font-family:'Open=
Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-size:12px;font-=
weight:700;letter-spacing:0px;line-height:1.4;text-align:left;mso-line-heig=
ht-alt:17px;">
<p style=3D"margin: 0;">To apply for a Creation Loan, you'=
ll need to:
</div>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"list_block block-3" role=3D"presentation" style=3D"mso-table-lspace: 0p=
t; mso-table-rspace: 0pt; word-break: break-word; color: #154734; direction=
: ltr; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-s=
erif; font-size: 12px; font-weight: 400; letter-spacing: 0px; line-height: =
1.4; text-align: left; mso-line-height-alt: 17px;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-left:30px;padding-right:3=
0px;padding-top:4px;">
<div style=3D"margin-left:-20px">
<ul start=3D"1" style=3D"margin-top: 0; margin-bottom: 0; =
list-style-type: revert;">
<li style=3D"Margin: 0 0 4px 0;">be aged 23 to 70 when yo=
u apply
<li style=3D"Margin: 0 0 4px 0;">have lived in the UK for=
a least 3 years
<li style=3D"Margin: 0 0 4px 0;">earn at least £9,6=
00 a year (after tax)
<li style=3D"Margin: 0 0 0 0;">provide a mobile number an=
d email address
</ul>
</div>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"paragraph_block block-4" role=3D"presentation" style=3D"mso-table-lspac=
e: 0pt; mso-table-rspace: 0pt; word-break: break-word;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-left:30px;padding-right:3=
0px;padding-top:12px;">
<div style=3D"color:#154734;direction:ltr;font-family:'Open=
Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-size:12px;font-=
weight:400;letter-spacing:0px;line-height:1.4;text-align:left;mso-line-heig=
ht-alt:17px;">
<p style=3D"margin: 0; margin-bottom: 12px;">Our invitatio=
n doesn't guarantee you'll get a loan. Even if you pass our checks, we may =
still refuse an application or decide not to lend for certain purposes.
<p style=3D"margin: 0; margin-bottom: 12px;"><span style=
=3D"font-family:'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif=
;font-weight:700;">1. Why are you receiving this offer?</span><br />We&rsqu=
o;ve been able to pre-screen the information we hold on you as an existing =
customer, on the date this communication is sent. Which means we can invite=
you to apply for a personal loan.
<p style=3D"margin: 0; margin-bottom: 12px;"><span style=
=3D"font-family:'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif=
;font-weight:700;">2. What does pre-approval mean?</span><br />Pre-approval=
is when we check if you're likely to be accepted for a Creation Loan. It m=
eans we're confident we can lend to you if your details are correct and you=
pass our final checks.
<p style=3D"margin: 0; margin-bottom: 12px;">We'll contact=
credit reference agencies during this step, but it won't affect your credi=
t score or be seen by other lenders. If you go ahead and apply, we'll then =
do a full credit search, which may leave a record on your credit file.
<p style=3D"margin: 0; margin-bottom: 12px;"><span style=
=3D"font-family:'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif=
;font-weight:700;">3. When will you get the money?</span><br />We’ll =
release your funds the next working day from the date of e-sign, subject to=
final checks.
<p style=3D"margin: 0; margin-bottom: 12px;"><span style=
=3D"font-family:'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif=
;font-weight:700;">4. What does ‘Representative APR’ mean?</spa=
n><br />To help you understand how much a loan would cost, our Representati=
ve APR shows how much a Creation Loan of =C2=A37,500 would cost at least 51=
% of customers.
<p style=3D"margin: 0; margin-bottom: 12px;">Your own rate=
may be different, depending on your personal details and how much you borr=
ow. The highest rate we may charge you is 29.9% APR.
<p style=3D"margin: 0; margin-bottom: 12px;"><span style=
=3D"font-family:'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif=
;font-weight:700;">How do we decide your interest rate?</span><br />If you =
do an eligibility check for a loan with us, we’ll use the details fro=
m the application to give you a personalised rate based on information such=
as your credit score, personal circumstances and loan amount. We decide th=
e interest rate we can offer you, which may differ from the representative =
APR. There are no arrangement fees.
<p style=3D"margin: 0;"><span style=3D"font-family:'Open S=
ans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-weight:700;">Can =
I repay my loan early?</span><br />Yes, you can pay off your loan at any ti=
me. If you'd like to do this, we'll give you an early settlement figure tha=
t's valid for 28 days. This includes the interest for the month you make yo=
ur request, plus up to 28 days' extra interest. By paying off your loan ear=
ly, you'll pay less interest overall than if you kept making your regular p=
ayments for the full term.
</div>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"divider_block block-5" role=3D"presentation" style=3D"mso-table-lspace:=
0pt; mso-table-rspace: 0pt;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-bottom:20px;padding-left:=
30px;padding-right:30px;padding-top:20px;">
<div align=3D"center" class=3D"alignment">
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" ro=
le=3D"presentation" style=3D"mso-table-lspace: 0pt; mso-table-rspace: 0pt;"=
width=3D"100%">
<tr>
<td class=3D"divider_inner" style=3D"font-size: 1px; lin=
e-height: 1px; border-top: 1px solid #154734;"><span style=3D"word-break: b=
reak-word;"> </span></td>
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</div>
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<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" class=3D"row row-7" role=3D"presentation" style=3D"mso-table-lspace: 0pt=
; mso-table-rspace: 0pt; background-color: #c1c6c8;" width=3D"100%">
=09=09=09=09=09=09
<tr>
<td>
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"row-content stack" role=3D"presentation" style=3D"mso-table=
-lspace: 0pt; mso-table-rspace: 0pt; border-left: 30px solid transparent; b=
order-right: 30px solid transparent; background-color: #ffffff; color: #000=
000; width: 640px; margin: 0 auto;" width=3D"640">
=09=09=09=09=09=09=09=09=09=09
<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; m=
so-table-rspace: 0pt; font-weight: 400; text-align: left; background-color:=
#e8f1e8; vertical-align: top; border-radius: 0px 0px 0px 0px;" width=3D"16=
.666666666666668%">
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"icons_block block-1" role=3D"presentation" style=3D"mso-table-lspace: 0=
pt; mso-table-rspace: 0pt; text-align: left; line-height: 0;" width=3D"100%=
">
<tr>
<td class=3D"pad" style=3D"vertical-align: middle; color: #1=
54734; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-s=
erif; font-size: 16px; font-weight: 400; padding-left: 30px; text-align: le=
ft;">
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"icons-o=
uter" role=3D"presentation" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; display: inline-table;">
<tr>
<td style=3D"vertical-align: middle; text-align: center; =
padding-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0p=
x;"><img align=3D"center" alt=3D"Icon" class=3D"icon" height=3D"auto" src=
=3D"http://secure.creation.co.uk/files/amf_laser_uk/project_445/creation-lo=
ans-bau-april-2026-email/creation_loans_bau_april_2026_email/images/visuall=
y_impaired_icon.png" style=3D"display: block; height: auto; margin: 0 auto;=
border: 0;" width=3D"57" /></td>
</tr>
</table>
</td>
</tr>
</table>
</td>
<td class=3D"column column-2" style=3D"mso-table-lspace: 0pt; m=
so-table-rspace: 0pt; font-weight: 400; text-align: left; background-color:=
#e8f1e8; vertical-align: top; border-radius: 0px 0px 0px 0px;" width=3D"83=
.33333333333333%">
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"paragraph_block block-1" role=3D"presentation" style=3D"mso-table-lspac=
e: 0pt; mso-table-rspace: 0pt; word-break: break-word;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-left:2px;padding-right:30=
px;">
<div style=3D"color:#154734;direction:ltr;font-family:'Open=
Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-size:16px;font-=
weight:400;letter-spacing:0px;line-height:1.4;text-align:left;mso-line-heig=
ht-alt:22px;">
<p style=3D"margin: 0;">If you need any support to manage =
your account, for example communications in <span style=3D"font-family:'Ope=
n Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-weight:700;">B=
raille</span> or <span style=3D"font-family:'Open Sans', 'Helvetica Neue', =
Helvetica, Arial, sans-serif;font-weight:700;">Large Print</span>, <span st=
yle=3D"font-family:'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-se=
rif;font-weight:700;"><a href=3D"https://secure.creation.co.uk/c/11kc9xJ24Q=
lrCrxCSNxxILM4vllO" rel=3D"noopener" style=3D"text-decoration: underline; c=
olor: #154734;" target=3D"_blank">you can tell us by completing a Self-Decl=
aration form here</a></span>.
</div>
</td>
</tr>
</table>
</td>
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</td>
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=09=09=09=09=09=09
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<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" class=3D"row row-8" role=3D"presentation" style=3D"mso-table-lspace: 0pt=
; mso-table-rspace: 0pt; background-color: #c1c6c8;" width=3D"100%">
=09=09=09=09=09=09
<tr>
<td>
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"row-content stack" role=3D"presentation" style=3D"mso-table=
-lspace: 0pt; mso-table-rspace: 0pt; border-left: 30px solid transparent; b=
order-right: 30px solid transparent; background-color: #ffffff; color: #000=
000; width: 640px; margin: 0 auto;" width=3D"640">
=09=09=09=09=09=09=09=09=09=09
<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; m=
so-table-rspace: 0pt; font-weight: 400; text-align: left; background-color:=
#e8f1e8; vertical-align: top; border-radius: 0px 0px 15px 15px;" width=3D"=
100%">
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"divider_block block-1" role=3D"presentation" style=3D"mso-table-lspace:=
0pt; mso-table-rspace: 0pt;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-bottom:20px;padding-left:=
30px;padding-right:30px;padding-top:20px;">
<div align=3D"center" class=3D"alignment">
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" ro=
le=3D"presentation" style=3D"mso-table-lspace: 0pt; mso-table-rspace: 0pt;"=
width=3D"100%">
<tr>
<td class=3D"divider_inner" style=3D"font-size: 1px; lin=
e-height: 1px; border-top: 1px solid #154734;"><span style=3D"word-break: b=
reak-word;"> </span></td>
</tr>
</table>
</div>
</td>
</tr>
</table>
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"paragraph_block block-2" role=3D"presentation" style=3D"mso-table-lspac=
e: 0pt; mso-table-rspace: 0pt; word-break: break-word;" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-bottom:30px;padding-left:=
30px;padding-right:30px;">
<div style=3D"color:#154734;direction:ltr;font-family:'Open=
Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif;font-size:12px;font-=
weight:400;letter-spacing:0px;line-height:1.4;text-align:left;mso-line-heig=
ht-alt:17px;">
<p style=3D"margin: 0; margin-bottom: 12px;">Creation Cons=
umer Finance Limited is authorised and regulated by the Financial Conduct A=
uthority, Registration Number 311518.
<p style=3D"margin: 0; margin-bottom: 12px;">Creation Cons=
umer Finance Limited, Registered Office: 6th floor, Wellington Buildings, 2=
– 4 Wellington Street, Belfast, BT1 6HT. Registered in Northern Irel=
and NIO32565.
<p style=3D"margin: 0; margin-bottom: 12px;">If you don&rs=
quo;t wish to receive marketing emails in the future, you can <span style=
=3D"font-family:'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif=
;font-weight:700;"><a href=3D"https://secure.creation.co.uk/u/17olkzzirZVp4=
eQzTljEDLv" rel=3D"noopener" style=3D"text-decoration: underline; color: #1=
54734;" target=3D"_blank">unsubscribe here</a></span>.
<p style=3D"margin: 0;">© Creation 2026
</div>
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<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" class=3D"row row-9" role=3D"presentation" style=3D"mso-table-lspace: 0pt=
; mso-table-rspace: 0pt; background-color: #c1c6c8;" width=3D"100%">
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<td>
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"row-content stack" role=3D"presentation" style=3D"mso-table=
-lspace: 0pt; mso-table-rspace: 0pt; background-color: #ffffff; border-left=
: 30px solid transparent; border-radius: 0; border-right: 30px solid transp=
arent; color: #000000; width: 640px; margin: 0 auto;" width=3D"640">
=09=09=09=09=09=09=09=09=09=09
<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; m=
so-table-rspace: 0pt; font-weight: 400; text-align: left; background-color:=
#ffffff; vertical-align: top; border-radius: 0px 0px 0px 0px;" width=3D"10=
0%">
<div class=3D"spacer_block block-1" style=3D"height:30px;line-=
height:30px;font-size:1px;"> </div>
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