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From: "Creation | Currys" <creation@secure.creation.co.uk>
Date: Wed, 5 Aug 2026 06:58:31 +0100
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Understanding your options | View online https://secure.creation.co.uk/q/11=
nE0O7ORXE6kA8l308nbVa/wv

Creation logo
https://secure.creation.co.uk/c/16Sz7VctPBJbJHAA4cfjkcnybMo

Currys flexpay logo
https://secure.creation.co.uk/c/16Sz9iQp4GAGhvdDGTi74AWNTVH

Your offer period ends in 3 months

Hi Robert

Currys flexpay account ID: 1022439100:3
Your offer period ends: 15/11/2026

For your Buy Now, Pay Later purchase, you can choose to make payments to cl=
ear your balance of =C2=A31,296.721during the offer period and pay no inter=
est. Any balance left after 15/11/2026 will be charged interest from the da=
te of your purchase, at the rate shown in your finance agreement.

You can also choose to make monthly repayments by Direct Debit, after your =
Buy Now, Pay Later period has ended on 15/11/2026, which will include inter=
est from the date of your purchase.

Your Buy Now, Pay Later payment options:


Pay off in full

Before the offer period ending

Settle in full during the Buy Now, Pay later offer period, and you won=E2=
=80=99t pay interest at all. Pay =C2=A31,296.721 before 15/11/2026.


Make part payments

Before the offer period ending

You can make payments during the offer period.

Any payments that clear onto your account before 15/11/2026 will reduce you=
r balance, so you=E2=80=99ll be charged less interest.
Any balance left at the end of the offer period will be split into monthly =
repayments. Any balance left will be charged interest from the date of your=
 purchase, at the rate shown in your finance agreement.
Payments will be taken by Direct Debit which was set up when you applied.


Make monthly payments

After the offer period has ended

Make fixed monthly repayments starting at the end of the offer period by Di=
rect Debit.
Your Direct Debit repayments will include interest on the total balance fro=
m the date your purchase was made at the rate shown in your finance agreeme=
nt.

Important information


Some banks may cancel your Direct Debit if it hasn=E2=80=99t been used for =
a long time. Make sure your Direct Debit is still set up with your bank or =
building society if you want to spread the cost of your repayments or purch=
ase additional products. If you don=E2=80=99t have a Direct Debit set up, y=
ou won=E2=80=99t be able to make another purchase using your account.

Payments may take up to 5 working days to clear onto your account. To avoid=
 paying interest, any payments you make must have cleared by 15/11/2026.

View our payment guide
https://secure.creation.co.uk/c/16SzaGukjLsaPiQHjAkUOZw3C50 or frequently a=
sked questions
https://secure.creation.co.uk/c/16SzdrMaNVb9UU6OyYqwjMEz2nC to learn more a=
bout payments.

Don=E2=80=99t forget, you can use your Currys flexpay account to make new p=
urchases2 from Currys, subject to status, at any time.

Managing your accounts
https://secure.creation.co.uk/c/16SzePq6302EsHJSbFtk4bdOKwV


Thanks

The Creation Team

Human score
https://secure.creation.co.uk/c/16Szgd41i4U90vmVOmw7OzN4sGe Trustpilot Stars
https://secure.creation.co.uk/c/16SzhAHWx9LDyiZZr3yVyYmkaPx number of revie=
ws
https://secure.creation.co.uk/c/16SziYlRMeD866D33KBJjmVzSYQ Trustpilot Logo
https://secure.creation.co.uk/c/16SzklZN1juCDUg6GrEx3LuPB89

Please note, making late or missing repayments can have an impact on your c=
redit file and affect your ability to obtain credit in the future. For help=
 click here
https://secure.creation.co.uk/c/16SzlJDIgom7bHTaj8HkOa45jhs.

1. Any payments you=E2=80=99ve made before 04/08/2026 will have been taken =
into account in the early settlement figure we=E2=80=99ve shown above. If y=
ou made a payment after 04/08/2026, go to your Creation Finance App
https://secure.creation.co.uk/c/16Szn7hDvtdBJvwdVPK8yyDl1qL or online accou=
nt manager
https://secure.creation.co.uk/c/16SzouVyKy56hj9hywMWiXcAJA4 to see your cur=
rent early settlement figure.

2. To use your Currys flexpay account you must make a purchase of =C2=A399 =
or over, on selected products. Exclusions apply. Subject to credit availabi=
lity and checks to prevent fraudulent activity. Some banks may cancel your =
Direct Debit if it hasn=E2=80=99t been used for a long time. Make sure your=
 Direct Debit is still set up with your bank or building society if you wan=
t to spread the cost of your repayments.

Credit issued by Creation Consumer Finance Limited. Creation is the trading=
 name of Creation Consumer Finance Limited.

Creation Consumer Finance Limited is authorised and regulated by the Financ=
ial Conduct Authority. Registration Number 311518. Creation Consumer Financ=
e Limited. Registered Office: 6th floor, Wellington Buildings, 2-4 Wellingt=
on Street, Belfast, BT1 6HT. Registered in Northern Ireland NI032565.

This is a service message. Please note we can=E2=80=99t reply to this email.

=C2=A9 Creation 2025

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<p style=3D"margin: 0;">Understanding your options &nbsp;| &nbsp;<font colo=
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co.uk/q/11nE0O7ORXE6kA8l308nbVa/wv" target=3D"_blank"><font color=3D"#19191=
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<tr>
<td class=3D"pad" style=3D"vertical-align: middle; color: #000000; font-fam=
ily: inherit; font-size: 14px; font-weight: 400; text-align: center;">
<table class=3D"icons-outer" style=3D"mso-table-lspace: 0pt; mso-table-rspa=
ce: 0pt; display: inline-table;" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0">

<tr>
<td style=3D"vertical-align: middle; text-align: center; padding: 5px;"><im=
g class=3D"icon" style=3D"display: block; height: auto; margin: 0 auto; bor=
der: 0;" align=3D"center" src=3D"http://secure.creation.co.uk/files/amf_las=
er_uk/project_395/bnpl-email-0925_1_/bnpl_email_0925/images/5_banner_icon.p=
ng" alt=3D"alt" width=3D"77" height=3D"auto"></td>
</tr>

</table>
</td>
</tr>

</table>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-5" style=3D"mso-table-lspace: 0pt; mso-table-rspace=
: 0pt; background-color: #c1c5c7;" align=3D"center" border=3D"0" cellspacin=
g=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; border-left: 20px solid #ffffff; =
border-radius: 0; border-right: 20px solid #ffffff; color: #000000; width: =
600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #c4d600; ve=
rtical-align: top;" width=3D"100%">
<table class=3D"heading_block block-1" style=3D"mso-table-lspace: 0pt; mso-=
table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=
=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-left: 30px; padding-right: 30px; padding=
-top: 10px; text-align: center; width: 100%;">
<h1 style=3D"margin: 0; color: #154734; direction: ltr; font-family: 'Brand=
ing-Semibold', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 3=
7px; font-weight: 600; letter-spacing: normal; line-height: 1.2; text-align=
: center; margin-top: 0; margin-bottom: 0; mso-line-height-alt: 44px;"><spa=
n class=3D"tinyMce-placeholder" style=3D"word-break: break-word;">Your offe=
r period ends in&nbsp;3 months</span></h1>
</td>
</tr>

</table>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-6" style=3D"mso-table-lspace: 0pt; mso-table-rspace=
: 0pt; background-color: #c1c5c7;" align=3D"center" border=3D"0" cellspacin=
g=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; border-left: 20px solid #ffffff; =
border-radius: 0; border-right: 20px solid #ffffff; color: #000000; width: =
600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #c4d600; ve=
rtical-align: top; border-radius: 0px 0px 15px 15px;" width=3D"100%">
<div class=3D"spacer_block block-1" style=3D"height: 30px; line-height: 30p=
x; font-size: 1px;">&#8202;</div>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-7" style=3D"mso-table-lspace: 0pt; mso-table-rspace=
: 0pt; background-color: #c1c5c7;" align=3D"center" border=3D"0" cellspacin=
g=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; border-radius: 0; color: #000000;=
 width: 600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=
=3D"0" cellpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; vertical-align: top;" width=
=3D"100%">
<table class=3D"paragraph_block block-1" style=3D"mso-table-lspace: 0pt; ms=
o-table-rspace: 0pt; word-break: break-word;" border=3D"0" cellspacing=3D"0=
" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-left: 40px; padding-right: 40px; padding=
-top: 30px;">
<div style=3D"color: #154734; direction: ltr; font-family: 'Branding-Semibo=
ld', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 18px; font-=
weight: 600; letter-spacing: 0px; line-height: 1.2; text-align: center; mso=
-line-height-alt: 22px;">
<p style=3D"margin: 0;">Hi&nbsp;Robert</p>
</div>
</td>
</tr>

</table>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-8" style=3D"mso-table-lspace: 0pt; mso-table-rspace=
: 0pt; background-color: #c1c5c7;" align=3D"center" border=3D"0" cellspacin=
g=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; border-radius: 0; color: #000000;=
 width: 600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=
=3D"0" cellpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; vertical-align: top;" width=
=3D"100%">
<table class=3D"paragraph_block block-1" style=3D"mso-table-lspace: 0pt; ms=
o-table-rspace: 0pt; word-break: break-word;" border=3D"0" cellspacing=3D"0=
" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-left: 40px; padding-right: 40px; padding=
-top: 16px;">
<div style=3D"color: #3a913f; direction: ltr; font-family: 'Branding-Semibo=
ld', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 15px; font-=
weight: 600; letter-spacing: 0px; line-height: 1.2; text-align: center; mso=
-line-height-alt: 18px;">
<p style=3D"margin: 0;">Currys flexpay account ID:&nbsp;1022439100:3<br>You=
r offer period ends:&nbsp;15/11/2026</p>
</div>
</td>
</tr>

</table>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-9" style=3D"mso-table-lspace: 0pt; mso-table-rspace=
: 0pt; background-color: #c1c5c7;" align=3D"center" border=3D"0" cellspacin=
g=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; color: #000000; width: 600px; mar=
gin: 0 auto;" align=3D"center" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #ffffff; ve=
rtical-align: top;" width=3D"100%">
<table class=3D"text_block block-1" style=3D"mso-table-lspace: 0pt; mso-tab=
le-rspace: 0pt; word-break: break-word;" border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-bottom: 30px; padding-left: 40px; paddin=
g-right: 40px; padding-top: 16px;">
<div style=3D"font-family: 'Branding-Medium', Arial, 'Helvetica Neue', Helv=
etica, sans-serif;">
<div class=3D"class" style=3D"font-size: 14px; font-family: 'Branding-Mediu=
m', Arial, 'Helvetica Neue', Helvetica, sans-serif; mso-line-height-alt: 21=
px; color: #191919; line-height: 1.5;">
<p style=3D"margin: 0; font-size: 15px; text-align: center; mso-line-height=
-alt: 22.5px;">For your Buy Now, Pay Later purchase, you can choose to make=
 payments to clear your balance of =C2=A31,296.72<sup style=3D"line-height:=
 0; font-size: 60%;">1</sup> during the offer period and pay no interest. A=
ny balance left after&nbsp;15/11/2026 will be charged interest from the dat=
e of your purchase, at the rate shown in your finance agreement.</p>
<p style=3D"margin: 0; font-size: 15px; text-align: center; mso-line-height=
-alt: 21px;">&nbsp;</p>
<p style=3D"margin: 0; font-size: 15px; text-align: center; mso-line-height=
-alt: 22.5px;">You can also choose to make monthly repayments by Direct Deb=
it, after your Buy Now, Pay Later period has ended on 15/11/2026, which wil=
l include interest from the date of your purchase.</p>
</div>
</div>
</td>
</tr>

</table>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-10" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; background-color: #c1c5c7; background-size: auto;" align=3D"center"=
 border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; background-size: auto; border-lef=
t: 20px solid #FFFFFF; border-right: 20px solid #FFFFFF; color: #000000; wi=
dth: 600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=3D"0=
" cellpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #154734; ve=
rtical-align: top; border-radius: 15px 15px 0px 0px;" width=3D"100%">
<div class=3D"spacer_block block-1" style=3D"height: 20px; line-height: 20p=
x; font-size: 1px;">&#8202;</div>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-11" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; background-color: #c1c5c7;" align=3D"center" border=3D"0" cellspaci=
ng=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; border-left: 20px solid #ffffff; =
border-right: 20px solid #ffffff; color: #000000; width: 600px; margin: 0 a=
uto;" align=3D"center" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" wid=
th=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #154734; ve=
rtical-align: top;" width=3D"100%">
<table class=3D"heading_block block-1" style=3D"mso-table-lspace: 0pt; mso-=
table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=
=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-bottom: 20px; padding-left: 20px; paddin=
g-right: 30px; text-align: center; width: 100%;">
<h1 style=3D"margin: 0; color: #c4d600; direction: ltr; font-family: 'Brand=
ing-Semibold', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 1=
8px; font-weight: 600; letter-spacing: normal; line-height: 1.2; text-align=
: left; margin-top: 0; margin-bottom: 0; mso-line-height-alt: 22px;"><span =
class=3D"tinyMce-placeholder" style=3D"word-break: break-word;">Your Buy No=
w, Pay Later payment options:</span></h1>
</td>
</tr>

</table>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-12" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; background-color: #c1c5c7;" align=3D"center" border=3D"0" cellspaci=
ng=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; border-left: 20px solid #ffffff; =
border-radius: 0; border-right: 20px solid #ffffff; color: #000000; width: =
600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #e8f4e9; ve=
rtical-align: top;" width=3D"16.666666666666668%">
<table class=3D"icons_block block-1" style=3D"mso-table-lspace: 0pt; mso-ta=
ble-rspace: 0pt; text-align: left; line-height: 0;" border=3D"0" cellspacin=
g=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"vertical-align: middle; color: #000000; font-fam=
ily: inherit; font-size: 14px; font-weight: 400; padding-left: 20px; paddin=
g-top: 30px; text-align: left;">
<table class=3D"icons-outer" style=3D"mso-table-lspace: 0pt; mso-table-rspa=
ce: 0pt; display: inline-table;" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0">

<tr>
<td style=3D"vertical-align: middle; text-align: center; padding: 0px;"><im=
g class=3D"icon" style=3D"display: block; height: auto; margin: 0 auto; bor=
der: 0;" align=3D"center" src=3D"http://secure.creation.co.uk/files/amf_las=
er_uk/project_395/bnpl-email-0925_1_/bnpl_email_0925/images/6_pay_in_full_i=
con.png" alt=3D"alt" width=3D"57" height=3D"auto"></td>
</tr>

</table>
</td>
</tr>

</table>
</td>
<td class=3D"column column-2" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #e8f4e9; ve=
rtical-align: top;" width=3D"83.33333333333333%">
<table class=3D"heading_block block-1" style=3D"mso-table-lspace: 0pt; mso-=
table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=
=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-bottom: 10px; padding-right: 20px; paddi=
ng-top: 30px; text-align: center; width: 100%;">
<h1 style=3D"margin: 0; color: #154734; direction: ltr; font-family: 'Brand=
ing-Semibold', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 1=
8px; font-weight: 600; letter-spacing: normal; line-height: 1.5; text-align=
: left; margin-top: 0; margin-bottom: 0; mso-line-height-alt: 27px;"><span =
class=3D"tinyMce-placeholder" style=3D"word-break: break-word;">Pay off in =
full</span></h1>
</td>
</tr>

</table>
<table class=3D"paragraph_block block-2" style=3D"mso-table-lspace: 0pt; ms=
o-table-rspace: 0pt; word-break: break-word;" border=3D"0" cellspacing=3D"0=
" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-bottom: 10px; padding-right: 20px;">
<div style=3D"color: #191919; direction: ltr; font-family: 'Branding-Medium=
', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 15px; font-we=
ight: 400; letter-spacing: 0px; line-height: 1.5; text-align: left; mso-lin=
e-height-alt: 23px;">
<p style=3D"margin: 0;">Before the offer period ending</p>
</div>
</td>
</tr>

</table>
<table class=3D"list_block block-3" style=3D"mso-table-lspace: 0pt; mso-tab=
le-rspace: 0pt; word-break: break-word; color: #191919; direction: ltr; fon=
t-family: 'Branding-Medium', Arial, 'Helvetica Neue', Helvetica, sans-serif=
; font-size: 15px; font-weight: 400; letter-spacing: 0px; line-height: 1.5;=
 text-align: left; mso-line-height-alt: 23px;" border=3D"0" cellspacing=3D"=
0" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-right: 30px;">
<div style=3D"margin-left: -20px;">
<ul style=3D"margin-top: 0; margin-bottom: 0; list-style-type: revert;">
<li style=3D"margin: 0 0 0 0;">Settle in full during the Buy Now, Pay later=
 offer period, and you won&rsquo;t pay interest at all. Pay =C2=A31,296.72<=
sup style=3D"line-height: 0; font-size: 60%;">1</sup> before 15/11/2026.</l=
i>
</ul>
</div>
</td>
</tr>

</table>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-13" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; background-color: #c1c5c7;" align=3D"center" border=3D"0" cellspaci=
ng=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; border-left: 20px solid #ffffff; =
border-radius: 0; border-right: 20px solid #ffffff; color: #000000; width: =
600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #e8f4e9; ve=
rtical-align: top;" width=3D"100%">
<table class=3D"divider_block block-1" style=3D"mso-table-lspace: 0pt; mso-=
table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=
=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-left: 20px; padding-right: 20px; padding=
-top: 30px;">
<div class=3D"alignment" align=3D"center">
<table style=3D"mso-table-lspace: 0pt; mso-table-rspace: 0pt;" border=3D"0"=
 cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"divider_inner" style=3D"font-size: 1px; line-height: 1px; bord=
er-top: 1px solid #3a913f;"><span style=3D"word-break: break-word;">&#8202;=
</span></td>
</tr>

</table>
</div>
</td>
</tr>

</table>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-14" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; background-color: #c1c5c7;" align=3D"center" border=3D"0" cellspaci=
ng=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; border-left: 20px solid #ffffff; =
border-radius: 0; border-right: 20px solid #ffffff; color: #000000; width: =
600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #e8f4e9; ve=
rtical-align: top;" width=3D"16.666666666666668%">
<table class=3D"icons_block block-1" style=3D"mso-table-lspace: 0pt; mso-ta=
ble-rspace: 0pt; text-align: left; line-height: 0;" border=3D"0" cellspacin=
g=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"vertical-align: middle; color: #000000; font-fam=
ily: inherit; font-size: 14px; font-weight: 400; padding-left: 20px; paddin=
g-top: 30px; text-align: left;">
<table class=3D"icons-outer" style=3D"mso-table-lspace: 0pt; mso-table-rspa=
ce: 0pt; display: inline-table;" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0">

<tr>
<td style=3D"vertical-align: middle; text-align: center; padding: 0px;"><im=
g class=3D"icon" style=3D"display: block; height: auto; margin: 0 auto; bor=
der: 0;" align=3D"center" src=3D"http://secure.creation.co.uk/files/amf_las=
er_uk/project_395/bnpl-email-0925_1_/bnpl_email_0925/images/7_part_payments=
_icon.png" alt=3D"alt" width=3D"57" height=3D"auto"></td>
</tr>

</table>
</td>
</tr>

</table>
</td>
<td class=3D"column column-2" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #e8f4e9; ve=
rtical-align: top;" width=3D"83.33333333333333%">
<table class=3D"heading_block block-1" style=3D"mso-table-lspace: 0pt; mso-=
table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=
=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-bottom: 10px; padding-right: 20px; paddi=
ng-top: 30px; text-align: center; width: 100%;">
<h1 style=3D"margin: 0; color: #154734; direction: ltr; font-family: 'Brand=
ing-Semibold', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 1=
8px; font-weight: 600; letter-spacing: normal; line-height: 1.5; text-align=
: left; margin-top: 0; margin-bottom: 0; mso-line-height-alt: 27px;"><span =
class=3D"tinyMce-placeholder" style=3D"word-break: break-word;">Make part p=
ayments</span></h1>
</td>
</tr>

</table>
<table class=3D"paragraph_block block-2" style=3D"mso-table-lspace: 0pt; ms=
o-table-rspace: 0pt; word-break: break-word;" border=3D"0" cellspacing=3D"0=
" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-bottom: 10px; padding-right: 20px;">
<div style=3D"color: #191919; direction: ltr; font-family: 'Branding-Medium=
', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 15px; font-we=
ight: 400; letter-spacing: 0px; line-height: 1.5; text-align: left; mso-lin=
e-height-alt: 23px;">
<p style=3D"margin: 0;">Before the offer period ending</p>
</div>
</td>
</tr>

</table>
<table class=3D"paragraph_block block-3" style=3D"mso-table-lspace: 0pt; ms=
o-table-rspace: 0pt; word-break: break-word;" border=3D"0" cellspacing=3D"0=
" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-bottom: 10px; padding-right: 20px;">
<div style=3D"color: #191919; direction: ltr; font-family: 'Branding-Medium=
', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 15px; font-we=
ight: 400; letter-spacing: 0px; line-height: 1.5; text-align: left; mso-lin=
e-height-alt: 23px;">
<p style=3D"margin: 0;"><span style=3D"color: #191919; font-family: 'Brandi=
ng-Semibold', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-weight: =
600;">You can make payments during the offer period.</span></p>
</div>
</td>
</tr>

</table>
<table class=3D"list_block block-4" style=3D"mso-table-lspace: 0pt; mso-tab=
le-rspace: 0pt; word-break: break-word; color: #191919; direction: ltr; fon=
t-family: 'Branding-Medium', Arial, 'Helvetica Neue', Helvetica, sans-serif=
; font-size: 15px; font-weight: 400; letter-spacing: 0px; line-height: 1.5;=
 text-align: left; mso-line-height-alt: 23px;" border=3D"0" cellspacing=3D"=
0" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-right: 30px;">
<div style=3D"margin-left: -20px;">
<ul style=3D"margin-top: 0; margin-bottom: 0; list-style-type: revert;">
<li style=3D"margin: 0 0 10px 0;">Any payments that clear onto your account=
 before&nbsp;15/11/2026 will reduce your balance, so you&rsquo;ll be charge=
d less interest.</li>
<li style=3D"margin: 0 0 10px 0;">Any balance left at the end of the offer =
period will be split into monthly repayments. <span style=3D"color: #191919=
; font-family: 'Branding-Semibold', Arial, 'Helvetica Neue', Helvetica, san=
s-serif; font-weight: 600;">Any balance left will be charged interest from =
the date of your purchase, at the rate shown in your finance agreement.</sp=
an>&nbsp;</li>
<li style=3D"margin: 0 0 10px 0;">Payments will be taken by Direct Debit wh=
ich was set up when you applied.&nbsp;</li>
</ul>
</div>
</td>
</tr>

</table>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-15" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; background-color: #c1c5c7;" align=3D"center" border=3D"0" cellspaci=
ng=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; border-left: 20px solid #ffffff; =
border-radius: 0; border-right: 20px solid #ffffff; color: #000000; width: =
600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #e8f4e9; ve=
rtical-align: top;" width=3D"100%">
<table class=3D"divider_block block-1" style=3D"mso-table-lspace: 0pt; mso-=
table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=
=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-left: 20px; padding-right: 20px; padding=
-top: 30px;">
<div class=3D"alignment" align=3D"center">
<table style=3D"mso-table-lspace: 0pt; mso-table-rspace: 0pt;" border=3D"0"=
 cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"divider_inner" style=3D"font-size: 1px; line-height: 1px; bord=
er-top: 1px solid #3a913f;"><span style=3D"word-break: break-word;">&#8202;=
</span></td>
</tr>

</table>
</div>
</td>
</tr>

</table>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-16" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; background-color: #c1c5c7;" align=3D"center" border=3D"0" cellspaci=
ng=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; border-left: 20px solid #ffffff; =
border-radius: 0; border-right: 20px solid #ffffff; color: #000000; width: =
600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #e8f4e9; ve=
rtical-align: top;" width=3D"16.666666666666668%">
<table class=3D"icons_block block-1" style=3D"mso-table-lspace: 0pt; mso-ta=
ble-rspace: 0pt; text-align: left; line-height: 0;" border=3D"0" cellspacin=
g=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"vertical-align: middle; color: #000000; font-fam=
ily: inherit; font-size: 14px; font-weight: 400; padding-left: 20px; paddin=
g-top: 30px; text-align: left;">
<table class=3D"icons-outer" style=3D"mso-table-lspace: 0pt; mso-table-rspa=
ce: 0pt; display: inline-table;" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0">

<tr>
<td style=3D"vertical-align: middle; text-align: center; padding: 0px;"><im=
g class=3D"icon" style=3D"display: block; height: auto; margin: 0 auto; bor=
der: 0;" align=3D"center" src=3D"http://secure.creation.co.uk/files/amf_las=
er_uk/project_395/bnpl-email-0925_1_/bnpl_email_0925/images/8_monthly_payme=
nts.png" alt=3D"alt" width=3D"57" height=3D"auto"></td>
</tr>

</table>
</td>
</tr>

</table>
</td>
<td class=3D"column column-2" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #e8f4e9; ve=
rtical-align: top;" width=3D"83.33333333333333%">
<table class=3D"heading_block block-1" style=3D"mso-table-lspace: 0pt; mso-=
table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=
=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-bottom: 10px; padding-right: 20px; paddi=
ng-top: 30px; text-align: center; width: 100%;">
<h1 style=3D"margin: 0; color: #154734; direction: ltr; font-family: 'Brand=
ing-Semibold', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 1=
8px; font-weight: 600; letter-spacing: normal; line-height: 1.5; text-align=
: left; margin-top: 0; margin-bottom: 0; mso-line-height-alt: 27px;"><span =
class=3D"tinyMce-placeholder" style=3D"word-break: break-word;">Make monthl=
y payments</span></h1>
</td>
</tr>

</table>
<table class=3D"paragraph_block block-2" style=3D"mso-table-lspace: 0pt; ms=
o-table-rspace: 0pt; word-break: break-word;" border=3D"0" cellspacing=3D"0=
" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-bottom: 10px; padding-right: 20px;">
<div style=3D"color: #191919; direction: ltr; font-family: 'Branding-Medium=
', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 15px; font-we=
ight: 400; letter-spacing: 0px; line-height: 1.5; text-align: left; mso-lin=
e-height-alt: 23px;">
<p style=3D"margin: 0;">After the offer period has ended</p>
</div>
</td>
</tr>

</table>
<table class=3D"list_block block-3" style=3D"mso-table-lspace: 0pt; mso-tab=
le-rspace: 0pt; word-break: break-word; color: #191919; direction: ltr; fon=
t-family: 'Branding-Medium', Arial, 'Helvetica Neue', Helvetica, sans-serif=
; font-size: 15px; font-weight: 400; letter-spacing: 0px; line-height: 1.5;=
 text-align: left; mso-line-height-alt: 23px;" border=3D"0" cellspacing=3D"=
0" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-right: 30px;">
<div style=3D"margin-left: -20px;">
<ul style=3D"margin-top: 0; margin-bottom: 0; list-style-type: revert;">
<li style=3D"margin: 0 0 10px 0;">Make fixed monthly repayments starting at=
 the end of the offer period by Direct Debit.</li>
<li style=3D"margin: 0 0 10px 0;">Your Direct Debit repayments <span style=
=3D"color: #191919; font-family: 'Branding-Semibold', Arial, 'Helvetica Neu=
e', Helvetica, sans-serif; font-weight: 600;">will include interest on the =
total balance from the date your purchase was made at the rate shown in you=
r finance agreement.</span></li>
</ul>
</div>
</td>
</tr>

</table>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-17" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; background-color: #c1c5c7; background-size: auto;" align=3D"center"=
 border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; background-size: auto; border-lef=
t: 20px solid #FFFFFF; border-right: 20px solid #FFFFFF; color: #000000; wi=
dth: 600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=3D"0=
" cellpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #e8f4e9; ve=
rtical-align: top; border-radius: 0px 0px 15px 15px;" width=3D"100%">
<div class=3D"spacer_block block-1" style=3D"height: 30px; line-height: 30p=
x; font-size: 1px;">&#8202;</div>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-18" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; background-color: #c1c5c7;" align=3D"center" border=3D"0" cellspaci=
ng=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; border-radius: 0; color: #000000;=
 width: 600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=
=3D"0" cellpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; vertical-align: top;" width=
=3D"100%">
<div class=3D"spacer_block block-1" style=3D"height: 30px; line-height: 30p=
x; font-size: 1px;">&#8202;</div>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-19" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; background-color: #c1c5c7; background-size: auto;" align=3D"center"=
 border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; background-size: auto; border-lef=
t: 20px solid #FFFFFF; border-right: 20px solid #FFFFFF; color: #000000; wi=
dth: 600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=3D"0=
" cellpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #154734; ve=
rtical-align: top; border-radius: 15px 15px 0px 0px;" width=3D"100%">
<div class=3D"spacer_block block-1" style=3D"height: 20px; line-height: 20p=
x; font-size: 1px;">&#8202;</div>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-20" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; background-color: #c1c5c7;" align=3D"center" border=3D"0" cellspaci=
ng=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; border-left: 20px solid #ffffff; =
border-right: 20px solid #ffffff; color: #000000; width: 600px; margin: 0 a=
uto;" align=3D"center" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" wid=
th=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #154734; ve=
rtical-align: top;" width=3D"100%">
<table class=3D"heading_block block-1" style=3D"mso-table-lspace: 0pt; mso-=
table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=
=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-bottom: 20px; padding-left: 20px; paddin=
g-right: 30px; text-align: center; width: 100%;">
<h1 style=3D"margin: 0; color: #c4d600; direction: ltr; font-family: 'Brand=
ing-Semibold', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 1=
8px; font-weight: 600; letter-spacing: normal; line-height: 1.2; text-align=
: left; margin-top: 0; margin-bottom: 0; mso-line-height-alt: 22px;"><span =
class=3D"tinyMce-placeholder" style=3D"word-break: break-word;">Important i=
nformation</span></h1>
</td>
</tr>

</table>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-21" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; background-color: #c1c5c7;" align=3D"center" border=3D"0" cellspaci=
ng=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; border-left: 20px solid #ffffff; =
border-radius: 0; border-right: 20px solid #ffffff; color: #000000; width: =
600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #f3f7cc; ve=
rtical-align: top;" width=3D"16.666666666666668%">
<table class=3D"icons_block block-1" style=3D"mso-table-lspace: 0pt; mso-ta=
ble-rspace: 0pt; text-align: left; line-height: 0;" border=3D"0" cellspacin=
g=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"vertical-align: middle; color: #000000; font-fam=
ily: inherit; font-size: 14px; font-weight: 400; padding-left: 20px; paddin=
g-top: 30px; text-align: left;">
<table class=3D"icons-outer" style=3D"mso-table-lspace: 0pt; mso-table-rspa=
ce: 0pt; display: inline-table;" border=3D"0" cellspacing=3D"0" cellpadding=
=3D"0">

<tr>
<td style=3D"vertical-align: middle; text-align: center; padding: 0px;"><im=
g class=3D"icon" style=3D"display: block; height: auto; margin: 0 auto; bor=
der: 0;" align=3D"center" src=3D"http://secure.creation.co.uk/files/amf_las=
er_uk/project_395/bnpl-email-0925_1_/bnpl_email_0925/images/6_pay_in_full_i=
con.png" alt=3D"alt" width=3D"57" height=3D"auto"></td>
</tr>

</table>
</td>
</tr>

</table>
</td>
<td class=3D"column column-2" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #f3f7cc; ve=
rtical-align: top;" width=3D"83.33333333333333%">
<table class=3D"paragraph_block block-1" style=3D"mso-table-lspace: 0pt; ms=
o-table-rspace: 0pt; word-break: break-word;" border=3D"0" cellspacing=3D"0=
" cellpadding=3D"0" width=3D"100%">

<tr>
<td class=3D"pad" style=3D"padding-right: 30px; padding-top: 30px;">
<div style=3D"color: #191919; direction: ltr; font-family: 'Branding-Medium=
', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 15px; font-we=
ight: 400; letter-spacing: 0px; line-height: 1.5; text-align: left; mso-lin=
e-height-alt: 23px;">
<p style=3D"margin: 0; margin-bottom: 16px;">Some banks may cancel your Dir=
ect Debit if it hasn&rsquo;t been used for a long time. Make sure your Dire=
ct Debit is still set up with your bank or building society if you want to =
spread the cost of your repayments or purchase additional products. If you =
don&rsquo;t have a Direct Debit set up, you won&rsquo;t be able to make ano=
ther purchase using your account.</p>
<p style=3D"margin: 0; margin-bottom: 16px;">Payments may take up to 5 work=
ing days to clear onto your account. To avoid paying interest, any payments=
 you make must have cleared by 15/11/2026.</p>
<p style=3D"margin: 0; margin-bottom: 16px;">View our <a style=3D"text-deco=
ration: underline; color: #191919;" rel=3D"noopener" href=3D"https://secure=
.creation.co.uk/c/16SyRltoUFnhc61SzRHGlryvDYI" target=3D"_blank">payment gu=
ide</a> or <a style=3D"text-decoration: underline; color: #191919;" rel=3D"=
noopener" href=3D"https://secure.creation.co.uk/c/16SySJ7k9KeLJTEWcyKu5Q7Lm=
81" target=3D"_blank">frequently asked questions</a>&nbsp;to learn more abo=
ut payments.</p>
<p style=3D"margin: 0;">Don&rsquo;t forget, you can use your Currys flexpay=
 account to make new purchases<sup style=3D"line-height: 0; font-size: 60%;=
">2</sup> from Currys, subject to status, at any time.</p>
</div>
</td>
</tr>

</table>
</td>
</tr>

</table>
</td>
</tr>

</table>
<table class=3D"row row-22" style=3D"mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; background-color: #c1c5c7; background-size: auto;" align=3D"center"=
 border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">

<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; background-size: auto; border-lef=
t: 20px solid #FFFFFF; border-right: 20px solid #FFFFFF; color: #000000; wi=
dth: 600px; margin: 0 auto;" align=3D"center" border=3D"0" cellspacing=3D"0=
" cellpadding=3D"0" width=3D"600">

<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; font-weight: 400; text-align: left; background-color: #f3f7cc; ve=
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k; height: auto; border: 0; width: 100%;" title=3D"Managing your accounts" =
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<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; background-color: #ffffff; border-left: 20px solid #ffffff; =
border-right: 20px solid #ffffff; color: #000000; width: 600px; margin: 0 a=
uto;" align=3D"center" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" wid=
th=3D"600">

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ace: 0pt; font-weight: 400; text-align: left; background-color: #e6e8e9; ve=
rtical-align: top;" width=3D"100%">
<table class=3D"text_block block-1" style=3D"mso-table-lspace: 0pt; mso-tab=
le-rspace: 0pt; word-break: break-word;" border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" width=3D"100%">

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<td class=3D"pad" style=3D"padding-bottom: 20px; padding-left: 20px; paddin=
g-right: 20px;">
<div style=3D"font-family: 'Branding-Medium', Arial, 'Helvetica Neue', Helv=
etica, sans-serif;">
<div class=3D"class" style=3D"font-size: 14px; font-family: 'Branding-Mediu=
m', Arial, 'Helvetica Neue', Helvetica, sans-serif; mso-line-height-alt: 21=
px; color: #191919; line-height: 1.5;">
<p style=3D"margin: 0; font-size: 11px; text-align: left; mso-line-height-a=
lt: 16.5px;"><span style=3D"color: #191919; font-family: 'Branding-Semibold=
', Arial, 'Helvetica Neue', Helvetica, sans-serif; font-weight: 600;">Pleas=
e note, making late or missing repayments can have an impact on your credit=
 file and affect your ability to obtain credit in the future. For help clic=
k <a style=3D"text-decoration: underline; color: #191919;" rel=3D"noopener"=
 href=3D"https://secure.creation.co.uk/c/16Sz3MgI6n8I6iHpc76U50FN3kt" targe=
t=3D"_blank">here</a>.</span></p>
<p style=3D"margin: 0; font-size: 11px; text-align: left; mso-line-height-a=
lt: 21px;">&nbsp;</p>
<p style=3D"margin: 0; font-size: 11px; text-align: left; mso-line-height-a=
lt: 16.5px;">1. Any payments you&rsquo;ve made before&nbsp;04/08/2026 will =
have been taken into account in the early settlement figure we&rsquo;ve sho=
wn above. If you made a payment after 04/08/2026, go to your <a style=3D"te=
xt-decoration: underline; color: #191919;" rel=3D"noopener" href=3D"https:/=
/secure.creation.co.uk/c/16Sz59UDls0cE6ksOO9HPpf2LtM" target=3D"_blank">Cre=
ation Finance App</a> or <a style=3D"text-decoration: underline; color: #19=
1919;" rel=3D"noopener" href=3D"https://secure.creation.co.uk/c/16Sz6xyyAwR=
HbTXwrvcvzNOitD5" target=3D"_blank">online account manager</a>&nbsp;to see =
your current early settlement figure.</p>
<p style=3D"margin: 0; font-size: 11px; text-align: left; mso-line-height-a=
lt: 21px;">&nbsp;</p>
<p style=3D"margin: 0; font-size: 11px; text-align: left; mso-line-height-a=
lt: 16.5px;">2. To use your Currys flexpay account you must make a purchase=
 of &pound;99 or over, on selected products. Exclusions apply. Subject to c=
redit availability and checks to prevent fraudulent activity. Some banks ma=
y cancel your Direct Debit if it hasn&rsquo;t been used for a long time. Ma=
ke sure your Direct Debit is still set up with your bank or building societ=
y if you want to spread the cost of your repayments.</p>
<p style=3D"margin: 0; font-size: 11px; text-align: left; mso-line-height-a=
lt: 21px;">&nbsp;</p>
<p style=3D"margin: 0; font-size: 11px; text-align: left; mso-line-height-a=
lt: 16.5px;">Credit issued by Creation Consumer Finance Limited. Creation i=
s the trading name of Creation Consumer Finance Limited.</p>
<p style=3D"margin: 0; font-size: 11px; text-align: left; mso-line-height-a=
lt: 21px;">&nbsp;</p>
<p style=3D"margin: 0; font-size: 11px; text-align: left; mso-line-height-a=
lt: 16.5px;">Creation Consumer Finance Limited is authorised and regulated =
by the Financial Conduct Authority. Registration Number 311518. Creation Co=
nsumer Finance Limited. Registered Office: 6th floor, Wellington Buildings,=
 2-4 Wellington Street, Belfast, BT1 6HT. Registered in Northern Ireland NI=
032565.</p>
<p style=3D"margin: 0; font-size: 11px; text-align: left; mso-line-height-a=
lt: 21px;">&nbsp;</p>
<p style=3D"margin: 0; font-size: 11px; text-align: left; mso-line-height-a=
lt: 16.5px;">This is a service message. Please note we can&rsquo;t reply to=
 this email.</p>
<p style=3D"margin: 0; font-size: 11px; text-align: left; mso-line-height-a=
lt: 21px;">&nbsp;</p>
<p style=3D"margin: 0; font-size: 11px; text-align: left; mso-line-height-a=
lt: 16.5px;">&copy; Creation 2026</p>
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