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From: "Virgin Money" <email@creditcard.virginmoney.com>
Subject: Vincent, our app's taking over from Online Service
Date: Wed, 02 Dec 2020 15:16:01 GMT
To: <vince@showfile.com>
Reply-To: "Virgin Money" <no-reply@creditcard.virginmoney.com>
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We=92re making some changes soon

View in browser ( http://t.emails.virginmoney.com/r/=3Fid=3Dt474805d,217bebd,1956bf9&p1=3D%40kEoBNHIAgoMMK4aqC4KexHa9biuI9zxMXUp0aHM%2BMog%3D )

So you know our emails are genuine, whenever we include links to our website in emails we will also quote the last four digits of your card number: 8283

Virgin Money ( http://t.emails.virginmoney.com/r/=3Fid=3Dt474805d,217bebd,1956bfa&p1=3D35110589 )

********************************
We're turning off Online Service
********************************

Hello Vincent,

We wanted to remind you that we=92ll be switching off Online
Service in January 2021. You=92ll need to download the Virgin Money
Credit Card app to make sure you can manage your card whenever
and wherever you want to.

As well as letting you check your balance and transactions, and
view your statements, our app is the fastest and easiest way to
manage your Virgin Money Credit Card straight from your device.

-----------------------------------------------------------------
You can do all of this ( http://t.emails.virginmoney.com/r/=3Fid=3Dt474805d,217bebd,1956bfb )
-----------------------------------------------------------------

- Login using your passcode,
fingerprint or face recognition

- Make payments, and manage
direct debits

- Manage your balance and money
transfers

- Freeze and unfreeze your card

Remember, you can now view your
PIN in the latest version of the app. Once logged in, tap the
card image and follow the instructions. You'll need to have your
card handy.



-----------------------------------------------------------------
Get up and running in no time ( http://t.emails.virginmoney.com/r/=3Fid=3Dt474805d,217bebd,1956bfe )
-----------------------------------------------------------------

It takes just a couple of minutes
and it=92s really easy to do:

1. Grab your device and credit
card

2. Download the app

3. Register your card details
and set up security

Once downloaded, you=92ll see just how much easier it is to manage your credit card in real time.

Download on the
App Store ( http://t.emails.virginmoney.com/r/=3Fid=3Dt474805d,217bebd,1956bff )

Get it on Google
Play ( http://t.emails.virginmoney.com/r/=3Fid=3Dt474805d,217bebd,1956c00 )

-----------------------------------------------------------------
Got more than one card=3F ( http://t.emails.virginmoney.com/r/=3Fid=3Dt474805d,217bebd,1956c01 )
-----------------------------------------------------------------

Right now you can only manage one
card in the app. We recommend you register your main card, and
keep managing your other one in Online Service for the time
being. We're working on a new feature to allow you to have more
than one card in the app and we=92ll let you know when this is
ready to go.

-----------------------------------------------------------------
Open banking ( http://t.emails.virginmoney.com/r/=3Fid=3Dt474805d,217bebd,1956c02 )
-----------------------------------------------------------------

If you use Online Service to
allow other organisations (sometimes called TPPs) to access your
account you need to give them approval every 90 days. Once Online
Service is switched off, you can manage these approvals via the
app.

-----------------------------------------------------------------
We'll be in touch ( http://t.emails.virginmoney.com/r/=3Fid=3Dt474805d,217bebd,1956c03 )
-----------------------------------------------------------------

You=92ll notice our Virgin Money
Credit Card app getting even better over the next few months -
we=92ll keep you updated along the way.

The team at Virgin Money

Cookies ( http://t.emails.virginmoney.com/r/=3Fid=3Dt474805d,217bebd,1956c04&p1=3D35110589 ) =95 Privacy policy ( http://t.emails.virginmoney.com/r/=3Fid=3Dt474805d,217bebd,1956c05&p1=3D35110589 ) =95 Staying safe online ( http://t.emails.virginmoney.com/r/=3Fid=3Dt474805d,217bebd,1956c06&p1=3D35110589 )

App Store is a service mark of
Apple Inc., registered in the U.S. and other countries.
Google, Android and Google Play are trademarks of Google LLC.

Please read, important information about email security:
To ensure that you receive all emails about your card, add
email@creditcard.virginmoney.com to your email address
book or Safe List.

We have sent this email to you in order to service your credit
card account and it is confidential and for use by the addressee
only. However, since email is not a secure form of communication,
please do not reply to us by email. If you would like to
communicate with us online about your account, please use the
secure messaging service.

Using our app=3F
If you=92re using the Virgin Money Credit Card app and are having
trouble getting in, follow the instructions on screen or call us
and we=92ll help you.

Clydesdale Bank PLC (trading as Virgin Money). Registered in
Scotland (Company No. SC001111). Registered Office: 30 St Vincent
Place, Glasgow, G1 2HL. Authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct Authority and
the Prudential Regulation Authority.

VM31159v1

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                            We&#x2019;re making some changes soon
                          </p>
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                        <td valign=3D"top" style=3D"padding:10px 20px 10px =
10px; font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#23282d=
; line-height:18px; text-align:right;">
                          <p style=3D"margin:0;">
                            <a _type=3D"mirrorPage" _label=3D"Mirror Page" =
target=3D"_blank" href=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh474805=
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                          </p>
                        </td>
                      </tr>
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                  </div>
                  <!-- //SNIPPET -->
                  
                    <!-- SECURITY -->
                    <table width=3D"100%" align=3D"center" cellspacing=3D"0=
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 line-height:18px; text-align:left;">
                          <p style=3D"margin:0;">
                            So you know our emails are genuine, whenever we=
 include links to our website in emails we will also quote the last four di=
gits of your card number: 8283
                          </p>
                        </td>
                      </tr>
                      
                      
                      
                    </table>
                    <!-- //SECURITY -->
                  
                    
                      
                      
                      
                      
                      
                      
                      
                      
                      
                    <!-- HEADER -->
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rginmoney.com/r/=3Fid=3Dh474805d,217bebd,1956bf3&p1=3D35110589"><img height=
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                                We're turning off Online Service
                                
                              </h1>
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                          <td align=3D"center" valign=3D"top">
                            
                              <img width=3D"600" height=3D"" alt=3D"" borde=
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3/vm_pattern_hero_red_light.png" />
                            
                          </td>
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                      <!-- //H2 -->
                    
                      
                        
                        
                        
                        
                        
                        
                        
                        
                        
                      <!-- C2 -->
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"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" style=3D"max-width=
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                            <p style=3D"margin:0;">
                              
                                Hello Vincent,<br /><br />We wanted to remi=
nd you that we&#x2019;ll be switching off Online Service in January 2021. Y=
ou&#x2019;ll need to download the Virgin Money Credit Card app to make sure=
 you can manage your card whenever and wherever you want to.<br /><br />As =
well as letting you check your balance and transactions, and view your stat=
ements, our app is the fastest and easiest way to manage your <strong style=
=3D"">Virgin Money Credit Card</strong> straight from your device.
                              </p>
                            
                            
                              </td>
                        </tr>
                        
                        
                        
                      </table>
                      <!-- //C2 -->
                    
                      
                        
                        
                        
                        
                        
                        
                        
                        
                        
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                                You can do all of this
                                
                              </h2>
                            
                            
                            <div style=3D"display:block; height:15px; font-=
size:15px; line-height:15px;">&nbsp;</div>
                            
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adding=3D"0" border=3D"0" role=3D"list">
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                                <td width=3D"48" valign=3D"top" style=3D"pa=
dding:0 15px 15px 0;">
                                  <img width=3D"48" height=3D"48" alt=3D"" =
border=3D"0" style=3D"display:block; border:none;" src=3D"https://images.em=
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a,sans-serif; font-size:16px; color:#000001; line-height:24px; text-align:l=
eft;">
                                  <p style=3D"margin:0;">
                                    Login using your passcode, fingerprint =
or face recognition
                                  </p>
                                </td>
                              </tr>
                              <tr>
                                <td width=3D"48" valign=3D"top" style=3D"pa=
dding:0 15px 15px 0;">
                                  <img width=3D"48" height=3D"48" alt=3D"" =
border=3D"0" style=3D"display:block; border:none;" src=3D"https://images.em=
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a,sans-serif; font-size:16px; color:#000001; line-height:24px; text-align:l=
eft;">
                                  <p style=3D"margin:0;">
                                    Make payments, and manage direct debits
                                  </p>
                                </td>
                              </tr>
                              <tr>
                                <td width=3D"48" valign=3D"top" style=3D"pa=
dding:0 15px 15px 0;">
                                  <img width=3D"48" height=3D"48" alt=3D"" =
border=3D"0" style=3D"display:block; border:none;" src=3D"https://images.em=
lcdn.net/cdn/1001923/f7dad1e2-77b4-47f7-b834-4077e6fe11fa/Tickresizev23.png=
" />
                                </td>
                                <td role=3D"listitem" valign=3D"middle" sty=
le=3D"vertical-align:middle; padding:0 0 15px 0; font-family:Arial,Helvetic=
a,sans-serif; font-size:16px; color:#000001; line-height:24px; text-align:l=
eft;">
                                  <p style=3D"margin:0;">
                                    Manage your balance and money transfers
                                  </p>
                                </td>
                              </tr>
                              <tr>
                                <td width=3D"48" valign=3D"top" style=3D"pa=
dding:0 15px 0 0;">
                                  <img width=3D"48" height=3D"48" alt=3D"" =
border=3D"0" style=3D"display:block; border:none;" src=3D"https://images.em=
lcdn.net/cdn/1001923/f7dad1e2-77b4-47f7-b834-4077e6fe11fa/Tickresizev24.png=
" />
                                </td>
                                <td role=3D"listitem" valign=3D"middle" sty=
le=3D"vertical-align:middle; font-family:Arial,Helvetica,sans-serif; font-s=
ize:16px; color:#000001; line-height:24px; text-align:left;">
                                  <p style=3D"margin:0;">
                                    Freeze and unfreeze your card
                                  </p>
                                </td>
                              </tr>
                              
                            </table>
                            
                              <div style=3D"display:block; height:15px; fon=
t-size:15px; line-height:15px;">&nbsp;</div>
                            <p style=3D"margin:0;">
                              
                                Remember, you can now view your PIN in the =
latest version of the app. Once logged in, tap the card image and follow th=
e instructions. You'll need to have your card handy.
                              </p>
                            
                            
                            
                            
                          </td>
                        </tr>
                        
                        
                        
                      </table>
                      <!-- //C2 -->
                    
                      
                        
                        
                        
                        
                        
                        
                        
                        
                        
                      
                    
                      
                        
                        
                      <!-- C2 -->
                      <table width=3D"100%" align=3D"center" cellspacing=3D=
"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" style=3D"max-width=
:600px;" bgcolor=3D"#ffffff">
                        <tr>
                          <td valign=3D"top" align=3D"left" style=3D"paddin=
g:0 20px 15px 20px; font-family:Arial,Helvetica,sans-serif; font-size:16px;=
 color:#000001; line-height:24px; text-align:left;">
                            <h2 style=3D"margin:0; font-family:Arial,Helvet=
ica,sans-serif; font-size:24px; font-weight:normal; color:#e10a0a; line-hei=
ght:29px; text-align:left; mso-line-height-rule:exactly;">
                              
                                Get up and running in no time
                                
                              </h2>
                            <div style=3D"display:block; height:15px; font-=
size:15px; line-height:15px;">&nbsp;</div>
                            <p style=3D"margin:0;">
                              
                                It takes just a couple of minutes and it&#x=
2019;s really easy to do:
                              </p>
                            <div style=3D"display:block; height:15px; font-=
size:15px; line-height:15px;">&nbsp;</div>
                            
                              <table width=3D"100%" cellspacing=3D"0" cellp=
adding=3D"0" border=3D"0" role=3D"list">
                              <tr>
                                <td width=3D"48" valign=3D"top" style=3D"pa=
dding:0 15px 15px 0;">
                                  <img width=3D"48" height=3D"48" alt=3D"" =
border=3D"0" style=3D"display:block; border:none;" src=3D"https://images.em=
lcdn.net/cdn/1001923/f7dad1e2-77b4-47f7-b834-4077e6fe11fa/1.png" />
                                </td>
                                <td role=3D"listitem" valign=3D"middle" sty=
le=3D"vertical-align:middle; padding:0 0 15px 0; font-family:Arial,Helvetic=
a,sans-serif; font-size:16px; color:#000001; line-height:24px; text-align:l=
eft;">
                                  <p style=3D"margin:0;">
                                    Grab your device and credit card
                                  </p>
                                </td>
                              </tr>
                              <tr>
                                <td width=3D"48" valign=3D"top" style=3D"pa=
dding:0 15px 15px 0;">
                                  <img width=3D"48" height=3D"48" alt=3D"" =
border=3D"0" style=3D"display:block; border:none;" src=3D"https://images.em=
lcdn.net/cdn/1001923/f7dad1e2-77b4-47f7-b834-4077e6fe11fa/2.png" />
                                </td>
                                <td role=3D"listitem" valign=3D"middle" sty=
le=3D"vertical-align:middle; padding:0 0 15px 0; font-family:Arial,Helvetic=
a,sans-serif; font-size:16px; color:#000001; line-height:24px; text-align:l=
eft;">
                                  <p style=3D"margin:0;">
                                    Download the app
                                  </p>
                                </td>
                              </tr>
                              <tr>
                                <td width=3D"48" valign=3D"top" style=3D"pa=
dding:0 15px 0 0;">
                                  <img width=3D"48" height=3D"48" alt=3D"" =
border=3D"0" style=3D"display:block; border:none;" src=3D"https://images.em=
lcdn.net/cdn/1001923/f7dad1e2-77b4-47f7-b834-4077e6fe11fa/3.png" />
                                </td>
                                <td role=3D"listitem" valign=3D"middle" sty=
le=3D"vertical-align:middle; font-family:Arial,Helvetica,sans-serif; font-s=
ize:16px; color:#000001; line-height:24px; text-align:left;">
                                  <p style=3D"margin:0;">
                                    Register your card details and set up s=
ecurity
                                  </p>
                                </td>
                              </tr>
                              
                              
                            </table>
                            
                              <div style=3D"display:block; height:15px; fon=
t-size:15px; line-height:15px;">&nbsp;</div>
                            <p style=3D"margin:0;">
                              
                                Once downloaded, you=92ll see just how much=
 easier it is to manage your credit card in real time.
                              </p>
                            
                            
                            
                            
                          </td>
                        </tr>
                        <tr>
                          <td valign=3D"top" align=3D"left" style=3D"paddin=
g:0 15px 20px 15px;">
                            
                              <table cellspacing=3D"0" cellpadding=3D"0" bo=
rder=3D"0" role=3D"presentation" align=3D"left">
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                                <td align=3D"center" valign=3D"top" style=
=3D"font-size:0; text-align:center;">
                                  <!--[if mso]>
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lspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" style=
=3D"width:325px;">
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                                      <td width=3D"153" align=3D"left" vali=
gn=3D"top" style=3D"width:153px;">
                                      <![endif]-->
                                        <div class=3D"fluid" style=3D"displ=
ay:inline-block; width:100%; min-width:100%; max-width:153px; vertical-alig=
n:top;">
                                          <table width=3D"100%" align=3D"le=
ft" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation">
                                            <tr>
                                              <td valign=3D"top" style=3D"p=
adding:0 5px 10px 5px;" align=3D"left">
                                                <a target=3D"_blank" href=
=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh474805d,217bebd,1956bf4"><im=
g src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/vm_app_st=
ore.png" width=3D"143" height=3D"48" alt=3D"Download on the App Store" bord=
er=3D"0" style=3D"display:block; border:none;" />
                                                </a>
                                              </td>
                                            </tr>
                                          </table>
                                        </div>
<!--[if mso]></td><td width=3D"172" align=3D"right" valign=3D"top" style=3D=
"width:172px;"><![endif]--><div class=3D"fluid" style=3D"display:inline-blo=
ck; width:100%; min-width:100%; max-width:170px; vertical-align:top;">
                                          <table width=3D"100%" align=3D"ri=
ght" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"=
>
                                            <tr>
                                              <td valign=3D"top" style=3D"p=
adding:0 5px 10px 5px;" align=3D"left">
                                                <a target=3D"_blank" href=
=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh474805d,217bebd,1956bf5"><im=
g src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/vm_google=
_play.png" width=3D"162" height=3D"48" alt=3D"Get it on Google Play" border=
=3D"0" style=3D"display:block; border:none;" />
                                                </a>
                                              </td>
                                            </tr>
                                          </table>
                                        </div>
                                      <!--[if mso]>
                                      </td>
                                    </tr>
                                  </table>
                                  <![endif]-->
                                </td>
                              </tr>
                            </table>
                          </td>
                        </tr>
                        
                        
                      </table>
                      <!-- //C2 -->
                    
                      
                        
                        
                        
                        
                        
                        
                        
                        
                        
                      <!-- C2 -->
                      <table width=3D"100%" align=3D"center" cellspacing=3D=
"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" style=3D"max-width=
:600px;" bgcolor=3D"#ffffff">
                        <tr>
                          <td valign=3D"top" align=3D"left" style=3D"paddin=
g:0 20px 30px 20px; font-family:Arial,Helvetica,sans-serif; font-size:16px;=
 color:#000001; line-height:24px; text-align:left;">
                            <h2 style=3D"margin:0; font-family:Arial,Helvet=
ica,sans-serif; font-size:24px; font-weight:normal; color:#e10a0a; line-hei=
ght:29px; text-align:left; mso-line-height-rule:exactly;">
                              
                                Got more than one card=3F
                                
                              </h2>
                            <div style=3D"display:block; height:15px; font-=
size:15px; line-height:15px;">&nbsp;</div>
                            <p style=3D"margin:0;">
                              
                                Right now you can only manage one card in t=
he app. We recommend you register your main card, and keep managing your ot=
her one in Online Service for the time being. We're working on a new featur=
e to allow you to have more than one card in the app and we&#x2019;ll let y=
ou know when this is ready to go.
                              </p>
                            
                            
                              </td>
                        </tr>
                        
                        
                        
                      </table>
                      <!-- //C2 -->
                    
                      
                        
                        
                        
                        
                        
                        
                        
                        
                        
                      <!-- C2 -->
                      <table width=3D"100%" align=3D"center" cellspacing=3D=
"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" style=3D"max-width=
:600px;" bgcolor=3D"#ffffff">
                        <tr>
                          <td valign=3D"top" align=3D"left" style=3D"paddin=
g:0 20px 30px 20px; font-family:Arial,Helvetica,sans-serif; font-size:16px;=
 color:#000001; line-height:24px; text-align:left;">
                            <h2 style=3D"margin:0; font-family:Arial,Helvet=
ica,sans-serif; font-size:24px; font-weight:normal; color:#e10a0a; line-hei=
ght:29px; text-align:left; mso-line-height-rule:exactly;">
                              
                                Open banking
                                
                              </h2>
                            <div style=3D"display:block; height:15px; font-=
size:15px; line-height:15px;">&nbsp;</div>
                            <p style=3D"margin:0;">
                              
                                If you use Online Service to allow other or=
ganisations (sometimes called TPPs) to access your account you need to give=
 them approval every 90 days. Once Online Service is switched off, you can =
manage these approvals via the app.
                              </p>
                            
                            
                              </td>
                        </tr>
                        
                        
                        
                      </table>
                      <!-- //C2 -->
                    
                      
                        
                        
                        
                        
                        
                        
                        
                        
                        
                      <!-- C2 -->
                      <table width=3D"100%" align=3D"center" cellspacing=3D=
"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" style=3D"max-width=
:600px;" bgcolor=3D"#ffffff">
                        <tr>
                          <td valign=3D"top" align=3D"left" style=3D"paddin=
g:0 20px 30px 20px; font-family:Arial,Helvetica,sans-serif; font-size:16px;=
 color:#000001; line-height:24px; text-align:left;">
                            <h2 style=3D"margin:0; font-family:Arial,Helvet=
ica,sans-serif; font-size:24px; font-weight:normal; color:#e10a0a; line-hei=
ght:29px; text-align:left; mso-line-height-rule:exactly;">
                              
                                We'll be in touch
                                
                              </h2>
                            <div style=3D"display:block; height:15px; font-=
size:15px; line-height:15px;">&nbsp;</div>
                            <p style=3D"margin:0;">
                              
                                You&#x2019;ll notice our Virgin Money Credi=
t Card app getting even better over the next few months - we&#x2019;ll keep=
 you updated along the way.<br /><br /><span style=3D"color:#e10a0a;"><stro=
ng style=3D"">The team at Virgin Money</strong></span>
                              </p>
                            
                            
                              </td>
                        </tr>
                        
                        
                        
                      </table>
                      <!-- //C2 -->
                    <!-- FOOTER -->
                    <table width=3D"100%" align=3D"center" cellspacing=3D"0=
" cellpadding=3D"0" border=3D"0" role=3D"presentation" style=3D"max-width:6=
00px;" bgcolor=3D"#e10a0a">
                      <tr>
                        <td align=3D"center" valign=3D"top" style=3D"paddin=
g:30px 0 30px 0;">
                          
                            <img width=3D"600" height=3D"" alt=3D"" border=
=3D"0" style=3D"display:block; width:100%; max-width:600px; height:auto; bo=
rder:none;" src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3=
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                      <tr>
                        <td valign=3D"top" style=3D"padding:0 20px 30px 20p=
x; font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#ffffff; l=
ine-height:18px; text-align:left;">
                          <p style=3D"margin:0;">
                            
                              <a target=3D"_blank" href=3D"http://t.emails.=
virginmoney.com/r/=3Fid=3Dh474805d,217bebd,1956bf6&p1=3D35110589" style=3D"=
color:#ffffff; text-decoration:underline;">Cookies</a> &nbsp;&#x2022;&nbsp;=
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n:underline;">Privacy policy</a> &nbsp;&#x2022;&nbsp; <a target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh474805d,217bebd,1956bf8&=
p1=3D35110589" style=3D"color:#ffffff; text-decoration:underline;">Staying =
safe online</a>
                            </p>
                          <div style=3D"display:block; height:15px; font-si=
ze:15px; line-height:15px;">&nbsp;</div>
                          
                          
                          <p style=3D"margin:0;">
                            
                              App Store is a service mark of Apple Inc., re=
gistered in the U.S. and other countries.<br />Google, Android and Google P=
lay are trademarks of Google LLC.<strong style=3D""><br /><br />Please read=
, important information about email security:</strong><br />To ensure that =
you receive all emails about your card, add <a style=3D"color:#ffffff; text=
-decoration:underline;" target=3D"_blank" href=3D"&#13;&#10;mailto:email@cr=
editcard.virginmoney.com">email@creditcard.virginmoney.com</a> to your emai=
l address book or Safe List.<br /><br />We have sent this email to you in o=
rder to service your credit card account and it is confidential and for use=
 by the addressee only. However, since email is not a secure form of commun=
ication, please do not reply to us by email. If you would like to communica=
te with us online about your account, please use the secure messaging servi=
ce.<br /><br /><strong style=3D"">Using our app=3F</strong><br />If you&#x2=
019;re using the Virgin Money Credit Card app and are having trouble gettin=
g in, follow the instructions on screen or call us and we&#x2019;ll help yo=
u.<br /><br />Clydesdale Bank PLC (trading as Virgin Money). Registered in =
Scotland (Company No. SC001111). Registered Office: 30 St Vincent Place, Gl=
asgow, G1 2HL. Authorised by the Prudential Regulation Authority and regula=
ted by the Financial Conduct Authority and the <span style=3D"white-space:n=
owrap;">Prudential Regulation Authority</span>.<br />
                            </p>
                          <div style=3D"display:block; height:15px; font-si=
ze:15px; line-height:15px;">&nbsp;</div>
                          <p style=3D"margin:0;">
                            VM31159v1
                          </p>
                        </td>
                      </tr>
                    </table>
                    <!-- //FOOTER -->
                  </div>
              <!--[if mso]>
              </td>
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      <!--[if gte mso 16]>
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