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                                <html><head><title>Your Alert!!</title><meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1"></head><title><table title="color:black;background-color:white;" width="580" cellspacing="0" cellpadding="20" border="0"><tr title="padding-bottom:12pt;"><td><table cellspacing="0" cellpadding="10" border="0" width="100%" title="border:#003399 1px solid;"><tr><td><table cellspacing="0" cellpadding="10" width="100%" border="0"><tr><td nowrap valign="top" align="right"><img
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                                 <font size="2" face="Verdana, Arial, Helvetica, sans-serif">For credit card account ending in 6026: Your available credit has fallen below ($ USD) 15,000.00.</font>
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                                 <font size="2" face="Verdana, Arial, Helvetica, sans-serif">* If your account currently has No Pre-Set Spending Limit, the "Available Credit" is the amount of your "Credit Access Line" currently available for use as defined within your Cardmember Agreement.</font>
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