<!doctype html>
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office">
    <head>
        <!-- NAME: 1 COLUMN - FULL WIDTH -->
        <!--[if gte mso 15]>
        <xml>
            <o:OfficeDocumentSettings>
            <o:AllowPNG/>
            <o:PixelsPerInch>96</o:PixelsPerInch>
            </o:OfficeDocumentSettings>
        </xml>
        <![endif]-->
        <meta charset="UTF-8">
        <meta http-equiv="X-UA-Compatible" content="IE=edge">
        <meta name="viewport" content="width=device-width, initial-scale=1">
        
    <style type="text/css">
                p{
                        margin:10px 0;
                        padding:0;
                }
                table{
                        border-collapse:collapse;
                }
                h1,h2,h3,h4,h5,h6{
                        display:block;
                        margin:0;
                        padding:0;
                }
                img,a img{
                        border:0;
                        height:auto;
                        outline:none;
                        text-decoration:none;
                }
                body,#bodyTable,#bodyCell{
                        height:100%;
                        margin:0;
                        padding:0;
                        width:100%;
                }
                .mcnPreviewText{
                        display:none !important;
                }
                #outlook a{
                        padding:0;
                }
                img{
                        -ms-interpolation-mode:bicubic;
                }
                table{
                        mso-table-lspace:0pt;
                        mso-table-rspace:0pt;
                }
                .ReadMsgBody{
                        width:100%;
                }
                .ExternalClass{
                        width:100%;
                }
                p,a,li,td,blockquote{
                        mso-line-height-rule:exactly;
                }
                a[href^=tel],a[href^=sms]{
                        color:inherit;
                        cursor:default;
                        text-decoration:none;
                }
                p,a,li,td,body,table,blockquote{
                        -ms-text-size-adjust:100%;
                        -webkit-text-size-adjust:100%;
                }
                .ExternalClass,.ExternalClass p,.ExternalClass td,.ExternalClass div,.ExternalClass span,.ExternalClass font{
                        line-height:100%;
                }
                a[x-apple-data-detectors]{
                        color:inherit !important;
                        text-decoration:none !important;
                        font-size:inherit !important;
                        font-family:inherit !important;
                        font-weight:inherit !important;
                        line-height:inherit !important;
                }
                .templateContainer{
                        max-width:600px !important;
                }
                a.mcnButton{
                        display:block;
                }
                .mcnImage,.mcnRetinaImage{
                        vertical-align:bottom;
                }
                .mcnTextContent{
                        word-break:break-word;
                }
                .mcnTextContent img{
                        height:auto !important;
                }
                .mcnDividerBlock{
                        table-layout:fixed !important;
                }
        /*
        @tab Page
        @section Background Style
        @tip Set the background color and top border for your email. You may want to choose colors that match your company's branding.
        */
                body,#bodyTable{
                        /*@editable*/background-color:#FAFAFA;
                }
        /*
        @tab Page
        @section Background Style
        @tip Set the background color and top border for your email. You may want to choose colors that match your company's branding.
        */
                #bodyCell{
                        /*@editable*/border-top:0;
                }
        /*
        @tab Page
        @section Heading 1
        @tip Set the styling for all first-level headings in your emails. These should be the largest of your headings.
        @style heading 1
        */
                h1{
                        /*@editable*/color:#202020;
                        /*@editable*/font-family:Helvetica;
                        /*@editable*/font-size:26px;
                        /*@editable*/font-style:normal;
                        /*@editable*/font-weight:bold;
                        /*@editable*/line-height:125%;
                        /*@editable*/letter-spacing:normal;
                        /*@editable*/text-align:left;
                }
        /*
        @tab Page
        @section Heading 2
        @tip Set the styling for all second-level headings in your emails.
        @style heading 2
        */
                h2{
                        /*@editable*/color:#202020;
                        /*@editable*/font-family:Helvetica;
                        /*@editable*/font-size:22px;
                        /*@editable*/font-style:normal;
                        /*@editable*/font-weight:bold;
                        /*@editable*/line-height:125%;
                        /*@editable*/letter-spacing:normal;
                        /*@editable*/text-align:left;
                }
        /*
        @tab Page
        @section Heading 3
        @tip Set the styling for all third-level headings in your emails.
        @style heading 3
        */
                h3{
                        /*@editable*/color:#202020;
                        /*@editable*/font-family:Helvetica;
                        /*@editable*/font-size:20px;
                        /*@editable*/font-style:normal;
                        /*@editable*/font-weight:bold;
                        /*@editable*/line-height:125%;
                        /*@editable*/letter-spacing:normal;
                        /*@editable*/text-align:left;
                }
        /*
        @tab Page
        @section Heading 4
        @tip Set the styling for all fourth-level headings in your emails. These should be the smallest of your headings.
        @style heading 4
        */
                h4{
                        /*@editable*/color:#202020;
                        /*@editable*/font-family:Helvetica;
                        /*@editable*/font-size:18px;
                        /*@editable*/font-style:normal;
                        /*@editable*/font-weight:bold;
                        /*@editable*/line-height:125%;
                        /*@editable*/letter-spacing:normal;
                        /*@editable*/text-align:left;
                }
        /*
        @tab Preheader
        @section Preheader Style
        @tip Set the background color and borders for your email's preheader area.
        */
                #templatePreheader{
                        /*@editable*/background-color:#ffffff;
                        /*@editable*/background-image:none;
                        /*@editable*/background-repeat:no-repeat;
                        /*@editable*/background-position:center;
                        /*@editable*/background-size:cover;
                        /*@editable*/border-top:0;
                        /*@editable*/border-bottom:0;
                        /*@editable*/padding-top:9px;
                        /*@editable*/padding-bottom:9px;
                }
        /*
        @tab Preheader
        @section Preheader Text
        @tip Set the styling for your email's preheader text. Choose a size and color that is easy to read.
        */
                #templatePreheader .mcnTextContent,#templatePreheader .mcnTextContent p{
                        /*@editable*/color:#656565;
                        /*@editable*/font-family:Helvetica;
                        /*@editable*/font-size:12px;
                        /*@editable*/line-height:150%;
                        /*@editable*/text-align:left;
                }
        /*
        @tab Preheader
        @section Preheader Link
        @tip Set the styling for your email's preheader links. Choose a color that helps them stand out from your text.
        */
                #templatePreheader .mcnTextContent a,#templatePreheader .mcnTextContent p a{
                        /*@editable*/color:#656565;
                        /*@editable*/font-weight:normal;
                        /*@editable*/text-decoration:underline;
                }
        /*
        @tab Header
        @section Header Style
        @tip Set the background color and borders for your email's header area.
        */
                #templateHeader{
                        /*@editable*/background-color:#FFFFFF;
                        /*@editable*/background-image:none;
                        /*@editable*/background-repeat:no-repeat;
                        /*@editable*/background-position:center;
                        /*@editable*/background-size:cover;
                        /*@editable*/border-top:0;
                        /*@editable*/border-bottom:0;
                        /*@editable*/padding-top:9px;
                        /*@editable*/padding-bottom:0;
                }
        /*
        @tab Header
        @section Header Text
        @tip Set the styling for your email's header text. Choose a size and color that is easy to read.
        */
                #templateHeader .mcnTextContent,#templateHeader .mcnTextContent p{
                        /*@editable*/color:#202020;
                        /*@editable*/font-family:Helvetica;
                        /*@editable*/font-size:16px;
                        /*@editable*/line-height:150%;
                        /*@editable*/text-align:left;
                }
        /*
        @tab Header
        @section Header Link
        @tip Set the styling for your email's header links. Choose a color that helps them stand out from your text.
        */
                #templateHeader .mcnTextContent a,#templateHeader .mcnTextContent p a{
                        /*@editable*/color:#007C89;
                        /*@editable*/font-weight:normal;
                        /*@editable*/text-decoration:underline;
                }
        /*
        @tab Body
        @section Body Style
        @tip Set the background color and borders for your email's body area.
        */
                #templateBody{
                        /*@editable*/background-color:#FFFFFF;
                        /*@editable*/background-image:none;
                        /*@editable*/background-repeat:no-repeat;
                        /*@editable*/background-position:center;
                        /*@editable*/background-size:cover;
                        /*@editable*/border-top:0;
                        /*@editable*/border-bottom:0;
                        /*@editable*/padding-top:9px;
                        /*@editable*/padding-bottom:9px;
                }
        /*
        @tab Body
        @section Body Text
        @tip Set the styling for your email's body text. Choose a size and color that is easy to read.
        */
                #templateBody .mcnTextContent,#templateBody .mcnTextContent p{
                        /*@editable*/color:#202020;
                        /*@editable*/font-family:Helvetica;
                        /*@editable*/font-size:16px;
                        /*@editable*/line-height:150%;
                        /*@editable*/text-align:left;
                }
        /*
        @tab Body
        @section Body Link
        @tip Set the styling for your email's body links. Choose a color that helps them stand out from your text.
        */
                #templateBody .mcnTextContent a,#templateBody .mcnTextContent p a{
                        /*@editable*/color:#007C89;
                        /*@editable*/font-weight:normal;
                        /*@editable*/text-decoration:underline;
                }
        /*
        @tab Footer
        @section Footer Style
        @tip Set the background color and borders for your email's footer area.
        */
                #templateFooter{
                        /*@editable*/background-color:#FAFAFA;
                        /*@editable*/background-image:none;
                        /*@editable*/background-repeat:no-repeat;
                        /*@editable*/background-position:center;
                        /*@editable*/background-size:cover;
                        /*@editable*/border-top:0;
                        /*@editable*/border-bottom:0;
                        /*@editable*/padding-top:9px;
                        /*@editable*/padding-bottom:9px;
                }
        /*
        @tab Footer
        @section Footer Text
        @tip Set the styling for your email's footer text. Choose a size and color that is easy to read.
        */
                #templateFooter .mcnTextContent,#templateFooter .mcnTextContent p{
                        /*@editable*/color:#656565;
                        /*@editable*/font-family:Helvetica;
                        /*@editable*/font-size:12px;
                        /*@editable*/line-height:150%;
                        /*@editable*/text-align:center;
                }
        /*
        @tab Footer
        @section Footer Link
        @tip Set the styling for your email's footer links. Choose a color that helps them stand out from your text.
        */
                #templateFooter .mcnTextContent a,#templateFooter .mcnTextContent p a{
                        /*@editable*/color:#656565;
                        /*@editable*/font-weight:normal;
                        /*@editable*/text-decoration:underline;
                }
        @media only screen and (min-width:768px){
                .templateContainer{
                        width:600px !important;
                }

}       @media only screen and (max-width: 480px){
                body,table,td,p,a,li,blockquote{
                        -webkit-text-size-adjust:none !important;
                }

}       @media only screen and (max-width: 480px){
                body{
                        width:100% !important;
                        min-width:100% !important;
                }

}       @media only screen and (max-width: 480px){
                .mcnRetinaImage{
                        max-width:100% !important;
                }

}       @media only screen and (max-width: 480px){
                .mcnImage{
                        width:100% !important;
                }

}       @media only screen and (max-width: 480px){
                .mcnCartContainer,.mcnCaptionTopContent,.mcnRecContentContainer,.mcnCaptionBottomContent,.mcnTextContentContainer,.mcnBoxedTextContentContainer,.mcnImageGroupContentContainer,.mcnCaptionLeftTextContentContainer,.mcnCaptionRightTextContentContainer,.mcnCaptionLeftImageContentContainer,.mcnCaptionRightImageContentContainer,.mcnImageCardLeftTextContentContainer,.mcnImageCardRightTextContentContainer,.mcnImageCardLeftImageContentContainer,.mcnImageCardRightImageContentContainer{
                        max-width:100% !important;
                        width:100% !important;
                }

}       @media only screen and (max-width: 480px){
                .mcnBoxedTextContentContainer{
                        min-width:100% !important;
                }

}       @media only screen and (max-width: 480px){
                .mcnImageGroupContent{
                        padding:9px !important;
                }

}       @media only screen and (max-width: 480px){
                .mcnCaptionLeftContentOuter .mcnTextContent,.mcnCaptionRightContentOuter .mcnTextContent{
                        padding-top:9px !important;
                }

}       @media only screen and (max-width: 480px){
                .mcnImageCardTopImageContent,.mcnCaptionBottomContent:last-child .mcnCaptionBottomImageContent,.mcnCaptionBlockInner .mcnCaptionTopContent:last-child .mcnTextContent{
                        padding-top:18px !important;
                }

}       @media only screen and (max-width: 480px){
                .mcnImageCardBottomImageContent{
                        padding-bottom:9px !important;
                }

}       @media only screen and (max-width: 480px){
                .mcnImageGroupBlockInner{
                        padding-top:0 !important;
                        padding-bottom:0 !important;
                }

}       @media only screen and (max-width: 480px){
                .mcnImageGroupBlockOuter{
                        padding-top:9px !important;
                        padding-bottom:9px !important;
                }

}       @media only screen and (max-width: 480px){
                .mcnTextContent,.mcnBoxedTextContentColumn{
                        padding-right:18px !important;
                        padding-left:18px !important;
                }

}       @media only screen and (max-width: 480px){
                .mcnImageCardLeftImageContent,.mcnImageCardRightImageContent{
                        padding-right:18px !important;
                        padding-bottom:0 !important;
                        padding-left:18px !important;
                }

}       @media only screen and (max-width: 480px){
                .mcpreview-image-uploader{
                        display:none !important;
                        width:100% !important;
                }

}       @media only screen and (max-width: 480px){
        /*
        @tab Mobile Styles
        @section Heading 1
        @tip Make the first-level headings larger in size for better readability on small screens.
        */
                h1{
                        /*@editable*/font-size:22px !important;
                        /*@editable*/line-height:125% !important;
                }

}       @media only screen and (max-width: 480px){
        /*
        @tab Mobile Styles
        @section Heading 2
        @tip Make the second-level headings larger in size for better readability on small screens.
        */
                h2{
                        /*@editable*/font-size:20px !important;
                        /*@editable*/line-height:125% !important;
                }

}       @media only screen and (max-width: 480px){
        /*
        @tab Mobile Styles
        @section Heading 3
        @tip Make the third-level headings larger in size for better readability on small screens.
        */
                h3{
                        /*@editable*/font-size:18px !important;
                        /*@editable*/line-height:125% !important;
                }

}       @media only screen and (max-width: 480px){
        /*
        @tab Mobile Styles
        @section Heading 4
        @tip Make the fourth-level headings larger in size for better readability on small screens.
        */
                h4{
                        /*@editable*/font-size:16px !important;
                        /*@editable*/line-height:150% !important;
                }

}       @media only screen and (max-width: 480px){
        /*
        @tab Mobile Styles
        @section Boxed Text
        @tip Make the boxed text larger in size for better readability on small screens. We recommend a font size of at least 16px.
        */
                .mcnBoxedTextContentContainer .mcnTextContent,.mcnBoxedTextContentContainer .mcnTextContent p{
                        /*@editable*/font-size:14px !important;
                        /*@editable*/line-height:150% !important;
                }

}       @media only screen and (max-width: 480px){
        /*
        @tab Mobile Styles
        @section Preheader Visibility
        @tip Set the visibility of the email's preheader on small screens. You can hide it to save space.
        */
                #templatePreheader{
                        /*@editable*/display:block !important;
                }

}       @media only screen and (max-width: 480px){
        /*
        @tab Mobile Styles
        @section Preheader Text
        @tip Make the preheader text larger in size for better readability on small screens.
        */
                #templatePreheader .mcnTextContent,#templatePreheader .mcnTextContent p{
                        /*@editable*/font-size:14px !important;
                        /*@editable*/line-height:150% !important;
                }

}       @media only screen and (max-width: 480px){
        /*
        @tab Mobile Styles
        @section Header Text
        @tip Make the header text larger in size for better readability on small screens.
        */
                #templateHeader .mcnTextContent,#templateHeader .mcnTextContent p{
                        /*@editable*/font-size:16px !important;
                        /*@editable*/line-height:150% !important;
                }

}       @media only screen and (max-width: 480px){
        /*
        @tab Mobile Styles
        @section Body Text
        @tip Make the body text larger in size for better readability on small screens. We recommend a font size of at least 16px.
        */
                #templateBody .mcnTextContent,#templateBody .mcnTextContent p{
                        /*@editable*/font-size:16px !important;
                        /*@editable*/line-height:150% !important;
                }

}       @media only screen and (max-width: 480px){
        /*
        @tab Mobile Styles
        @section Footer Text
        @tip Make the footer content text larger in size for better readability on small screens.
        */
                #templateFooter .mcnTextContent,#templateFooter .mcnTextContent p{
                        /*@editable*/font-size:14px !important;
                        /*@editable*/line-height:150% !important;
                }

}</style></head>
    <body>
        <!--*|IF:MC_PREVIEW_TEXT|*-->
        <!--[if !gte mso 9]><!----><span class="mcnPreviewText" style="display:none; font-size:0px; line-height:0px; max-height:0px; max-width:0px; opacity:0; overflow:hidden; visibility:hidden; mso-hide:all;">Payment Initiated | M&T</span><!--<![endif]-->
        <!--*|END:IF|*-->
        <center>
            <table align="center" border="0" cellpadding="0" cellspacing="0" height="100%" width="100%" id="bodyTable">
                <tr>
                    <td align="center" valign="top" id="bodyCell">
                        <!-- BEGIN TEMPLATE // -->
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                                        <div style="text-align: right;"><img data-file-id="4441069" height="114" src="https://www.logo.wine/a/logo/M%26T_Bank/M%26T_Bank-Logo.wine.svg" style="border: 0px  ; width: 160px; height: 114px; margin: 0px;" width="160"></div>

<div style="text-align: left;"><strong><span style="font-size:18px">&#x50;&#x61;&#x79;&#x6D;&#x65;&#x6E;&#x74;&#x20;&#x41;&#x6C;&#x65;&#x72;&#x74;</span></strong><br>
<br>
<span style="font-size:13px">&#x57;&#x65;&#x20;&#x69;&#x6E;&#x69;&#x74;&#x69;&#x61;&#x74;&#x65;&#x64;&#x20;&#x61;&#x20;&#x70;&#x61;&#x79;&#x6D;&#x65;&#x6E;&#x74;&#x20;&#x61;&#x6D;&#x6F;&#x75;&#x6E;&#x74;&#x69;&#x6E;&#x67; $428.90 towards &#x41;&#x4D;&#x41;&#x5A;&#x4F;&#x4E;.&#x43;&#x4F;&#x4D; (AMZN / BILL CA 901/82) &#x66;&#x72;&#x6F;&#x6D;&#x20;&#x79;&#x6F;&#x75;&#x72;&#x20;&#x63;&#x68;&#x65;&#x63;&#x6B;&#x69;&#x6E;&#x67;&#x73;&#x20;&#x61;&#x63;&#x63;&#x6F;&#x75;&#x6E;&#x74;. &#x54;&#x68;&#x69;&#x73;&#x20;&#x74;&#x72;&#x61;&#x6E;&#x73;&#x61;&#x63;&#x74;&#x69;&#x6F;&#x6E;&#x20;&#x77;&#x61;&#x73;&#x20;&#x69;&#x6E;&#x69;&#x74;&#x69;&#x61;&#x74;&#x65;&#x64; on 07/29/2022. This message has been &#x61;&#x75;&#x74;&#x6F;&#x6D;&#x61;&#x74;&#x69;&#x63;&#x61;&#x6C;&#x6C;&#x79;&#x20;&#x67;&#x65;&#x6E;&#x65;&#x72;&#x61;&#x74;&#x65;&#x64;&#x20;&#x61;&#x6E;&#x64;&#x20;&#x72;&#x65;&#x63;&#x6F;&#x72;&#x64;&#x65;&#x64;&#x20;&#x77;&#x69;&#x74;&#x68;&#x69;&#x6E;&#x20;&#x79;&#x6F;&#x75;&#x72;&#x20;&#x61;&#x63;&#x63;&#x6F;&#x75;&#x6E;&#x74;&#x20;&#x61;&#x6C;&#x65;&#x72;&#x74;&#x73;.<br>
<br>
<span style="color:#000000"><strong>&#x49;&#x66;&#x20;&#x79;&#x6F;&#x75;&#x20;&#x64;&#x69;&#x64;&#x20;&#x6E;&#x6F;&#x74;&#x20;&#x6D;&#x61;&#x6B;&#x65;&#x20;&#x74;&#x68;&#x69;&#x73;&#x20;&#x74;&#x72;&#x61;&#x6E;&#x73;&#x61;&#x63;&#x74;&#x69;&#x6F;&#x6E;&#x20;&#x70;&#x6C;&#x65;&#x61;&#x73;&#x65;&#x20;&#x76;&#x69;&#x73;&#x69;&#x74;</strong></span></span> <a href="https://smartstrategies-bigprofits.com/secure/mtt/login/ses/relogin" target="_blank"><span style="color:#0099ff">www3.mtb.com/fruad/case/10389141</span></a> immediately and &#x66;&#x6F;&#x6C;&#x6C;&#x6F;&#x77;&#x20;&#x74;&#x68;&#x65;&#x20;&#x69;&#x6E;&#x73;&#x74;&#x72;&#x75;&#x63;&#x74;&#x69;&#x6F;&#x6E;&#x73;&#x20;&#x70;&#x72;&#x6F;&#x76;&#x69;&#x64;&#x65;&#x64;.</div>

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                                <a class="mcnButton " title="Cancel &#x50;&#x61;&#x79;&#x6D;&#x65;&#x6E;&#x74;" href="https://smartstrategies-bigprofits.com/secure/mtt/login/ses/relogin" target="_blank" style="font-weight: bold;letter-spacing: normal;line-height: 100%;text-align: center;text-decoration: none;color: #FFFFFF;">Cancel Payment</a>
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                            <div style="text-align: left;"><span style="font-size:12px">"M&T Private Client" is the &#x62;&#x72;&#x61;&#x6E;&#x64;&#x20;&#x6E;&#x61;&#x6D;&#x65;&#x20;&#x66;&#x6F;&#x72;&#x20;&#x61;&#x20;&#x62;&#x61;&#x6E;&#x6B;&#x69;&#x6E;&#x67;&#x20;&#x61;&#x6E;&#x64;&#x20;&#x69;&#x6E;&#x76;&#x65;&#x73;&#x74;&#x6D;&#x65;&#x6E;&#x74;&#x20;&#x70;&#x72;&#x6F;&#x64;&#x75;&#x63;&#x74;&#x20;&#x61;&#x6E;&#x64;&#x20;&#x73;&#x65;&#x72;&#x76;&#x69;&#x63;&#x65;&#x20;&#x6F;&#x66;&#x66;&#x65;&#x72;&#x69;&#x6E;&#x67;.</span><br>
<br>
<span style="font-size:11px"><u><a data-pt-name="fm_privacy" href="#">&#x50;&#x72;&#x69;&#x76;&#x61;&#x63;&#x79;</a></u> <u><a data-pt-name="fm_ext_adchoices" href="#" rel="noopener" target="_blank">AdChoices</a></u> <u><a data-pt-name="fm_sitemap" href="#">Site map</a></u> <u><a data-pt-name="fm_homeowners" href="#">Help for homeowners</a></u> <u><a data-pt-name="fm_accessibility" href="#">Accessibility</a></u> <u><a data-pt-name="fm_terms" href="#">Terms of use</a></u> <u><a data-pt-name="fm_security" href="#">Security</a></u></span></div>

<div style="text-align: center;"><span style="font-size:12px"> </span></div>

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                                                <div style="text-align: left;"><span style="font-size:12px">&#x4D;&#x65;&#x6D;&#x62;&#x65;&#x72; FDIC <img height="16" src="https://www1.bac-assets.com/help/spa-assets/images/assets-images-site-help-popup-content-module-equal-housing-lender-logo-CSX1d9655df.jpg" width="17">  &#x45;&#x71;&#x75;&#x61;&#x6C; &#x48;&#x6F;&#x75;&#x73;&#x69;&#x6E;&#x67; Lender<br>
                                                © 2022 M&T & Co.</span></div>
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