<div><span style="font-size:1rem;font-style:normal;font-weight:400;letter-spacing:normal;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decoration:none;float:none;display:inline!important;background-color:rgba(0,0,0,0);border-color:rgb(0,0,0);color:rgb(0,0,0)">Dear friend, I am reaching out to you today regarding an important matter concerning a fixed deposit account. This account currently has a balance of $38,000,000.00. Please kindly contact me via email to discuss this further.</span><br style="color:rgb(255,255,255);font-size:16px;font-style:normal;font-weight:400;letter-spacing:normal;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decoration:none;font-family:'-apple-system',sans-serif"><br style="color:rgb(255,255,255);font-size:16px;font-style:normal;font-weight:400;letter-spacing:normal;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decoration:none;font-family:'-apple-system',sans-serif"><br style="color:rgb(255,255,255);font-size:16px;font-style:normal;font-weight:400;letter-spacing:normal;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decoration:none;font-family:'-apple-system',sans-serif"><span style="font-size:1rem;font-style:normal;font-weight:400;letter-spacing:normal;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decoration:none;float:none;display:inline!important;background-color:rgba(0,0,0,0);border-color:rgb(0,0,0);color:rgb(0,0,0)">Warm regards,</span><br style="color:rgb(255,255,255);font-size:16px;font-style:normal;font-weight:400;letter-spacing:normal;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decoration:none;font-family:'-apple-system',sans-serif"><br style="color:rgb(255,255,255);font-size:16px;font-style:normal;font-weight:400;letter-spacing:normal;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decoration:none;font-family:'-apple-system',sans-serif"><span style="font-size:1rem;font-style:normal;font-weight:400;letter-spacing:normal;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decoration:none;float:none;display:inline!important;background-color:rgba(0,0,0,0);border-color:rgb(0,0,0);color:rgb(0,0,0)">Raymond Chun </span><br style="color:rgb(255,255,255);font-size:16px;font-style:normal;font-weight:400;letter-spacing:normal;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decoration:none;font-family:'-apple-system',sans-serif"><span style="font-size:1rem;font-style:normal;font-weight:400;letter-spacing:normal;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decoration:none;float:none;display:inline!important;background-color:rgba(0,0,0,0);border-color:rgb(0,0,0);color:rgb(0,0,0)">Chief Executive Officer</span><br style="color:rgb(255,255,255);font-size:16px;font-style:normal;font-weight:400;letter-spacing:normal;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decoration:none;font-family:'-apple-system',sans-serif"><span style="font-size:1rem;font-style:normal;font-weight:400;letter-spacing:normal;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decoration:none;float:none;display:inline!important;background-color:rgba(0,0,0,0);border-color:rgb(0,0,0);color:rgb(0,0,0)">TD Bank Canada</span></div>