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        <title>Security Update - Neo Financial</title>
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                                                                                                <td style="padding-left: 10px; font-size: 22px; font-weight: 700; color: #000000;">Neo<span style="font-weight: 300;">.</span></td>
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                                                                        <td align="right" valign="middle"><span style="background-color: #f0f0f0; color: #000000; font-size: 11px; font-weight: 700; text-transform: uppercase; padding: 6px 12px; border-radius: 100px; border: 1px solid #d0d0d0;">🔒 Security</span></td>
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                                                                        <p style="font-size: 13px; color: #555555; margin-bottom: 20px; font-weight: 500;">• August 11, 2026 <span style="color:#cccccc;">|</span> Subject: Continuous Security Improvement</p>

                                                                        <p style="font-size: 15px; line-height: 1.6; color: #1a1a1a; margin-bottom: 16px;"><strong>Dear Neo Member,</strong></p>

                                                                        <p style="font-size: 15px; line-height: 1.6; color: #1a1a1a; margin-bottom: 20px;">At Neo, the security of your finances is our top priority. That's why we're rolling out a <strong>major security update</strong> to our infrastructure today. This enhancement, designed to <strong>deliver unwavering reliability</strong>, reflects our commitment to providing you with superior protection.</p>
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                                                                        <h3 style="font-size: 16px; font-weight: 700; color: #000000; margin: 0 0 6px 0;">🛡️ Next Gen Security</h3>

                                                                        <p style="font-size: 14px; color: #2a2a2a; margin: 0; line-height: 1.5;"><strong>Advanced security isn't an add-on; it's the foundation.</strong> Every Neo account and card is now fortified with next-generation technology designed to <strong>stop unauthorized movement before it starts</strong>.</p>
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                                                                                                <h4 style="font-size: 15px; font-weight: 600; color: #000000; margin: 0 0 4px 0;">Real-time Alerts</h4>

                                                                                                <p style="font-size: 13px; color: #444444; margin: 0; line-height: 1.4;">Get instant notifications for every purchase or money movement. Full transparency means you can spot any irregularities quickly.</p>
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                                                                                                <h4 style="font-size: 15px; font-weight: 600; color: #000000; margin: 0 0 4px 0;">Mastercard Zero Liability Protection</h4>

                                                                                                <p style="font-size: 13px; color: #444444; margin: 0; line-height: 1.4;">You're not responsible for unauthorized purchases made with your card.* Enjoy peace of mind with every transaction.</p>
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                                                                                                <h4 style="font-size: 15px; font-weight: 600; color: #000000; margin: 0 0 4px 0;">Enhanced Authentication</h4>

                                                                                                <p style="font-size: 13px; color: #444444; margin: 0; line-height: 1.4;">Our multi-factor authentication system has been upgraded for even more robust identity verification.</p>
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                                                <p style="font-size: 15px; line-height: 1.6; color: #1a1a1a; margin-bottom: 24px;"><strong>This update</strong> requires action on your part. We've also strengthened our encryption protocols and proactive monitoring to ensure <strong>optimal reliability</strong> for your transactions and data.</p>
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                                                                                                <td valign="middle" width="50"><span style="background-color: #000000; color: #ffffff; font-weight: 700; font-size: 10px; padding: 3px 8px; border-radius: 100px;">CDIC</span></td>
                                                                                                <td style="font-size: 12px; color: #2a2a2a; line-height: 1.4;" valign="middle"><strong>The safety of a big bank,</strong> without the baggage. Your deposits are protected by the <strong>Canada Deposit Insurance Corporation</strong>.</td>
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                                                                        <td align="center" style="font-size: 12px; color: #777777; padding-top: 8px;">© 2026 Neo Financial</td>
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