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<p class="MsoNormal"><span style="font-size:11.0pt">Good point, Lauren. Seems like we need to clarify our objectives to inform any draft that we would want to have a real estate attorney look at.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="color:#005493">Kathleen M. Baggett, PhD</span></b><b><span style="font-size:11.0pt;color:#005493"><o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="color:#005493">Director, Mark Chaffin Center for Healthy Development<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#005493">Associate Professor, Second Century Initiative Scholar, School of Public Health </span><span style="font-size:11.0pt;color:#005493"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#005493">Georgia State University</span><span style="font-size:11.0pt;color:#005493"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#005493">Office: 14 Marietta St, Suite 135</span><span style="font-size:11.0pt;color:#005493">,
</span><span style="color:#005493">Atlanta, GA 30303<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#005493">Mailing: <a href="webextlink://PO%20Box%203995,%20Atlanta,%20GA%2030302-3995" title="webextlink://PO Box 3995, Atlanta, GA 30302-3995">
<span style="color:#005493;text-decoration:none">PO Box 3995, Atlanta, GA 30302-3995</span></a></span><span style="font-size:11.0pt;color:#005493"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:#005493"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#005493">Ph: 404.413.1571 |
<a href="https://healthy.gsu.edu/about/"><span style="color:#005493">Mark Chaffin Center for Healthy Development</span></a> |
<a href="https://nam11.safelinks.protection.outlook.com/?url=http%3A%2F%2Fsites.gsu.edu%2Fbaggettresearch%2F%23.XmZ9k5NKi1s&data=04%7C01%7Ckbaggett%40gsu.edu%7Cdae8c2415e574ef0972b08d989ba5333%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637692255613105018%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=hKsf8ENJxaZQxyaWlHvlcbSZ4zh3QmoPUpzTVa8CkBQ%3D&reserved=0" title="Original URL:
http://sites.gsu.edu/baggettresearch/#.XmZ9k5NKi1s
Click to follow link.">
<span style="color:#005493">Infant and Early Childhood Research Team</span></a><o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:12.0pt;color:black">From:
</span></b><span style="font-size:12.0pt;color:black">Everyone <everyone-bounces@chelseaplacedecatur.com> on behalf of Lauren Rich via Everyone <everyone@chelseaplacedecatur.com><br>
<b>Date: </b>Monday, August 22, 2022 at 3:05 PM<br>
<b>To: </b>Joanna Campbell <bosswench@yahoo.com><br>
<b>Cc: </b>Lauren Rich <laureninatlanta@gmail.com>, Residents <everyone@chelseaplacedecatur.com><br>
<b>Subject: </b>Re: [Everyone] re restricting rentals -- looks like 2-step process: need amendments to: (1) adopt Georgia Property Owners Association Act,; and (2) amend by laws to restrict rentals<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt">I think it also might b a good idea to figure out what consensus is of group. (I am personally up in the air on this issue, such that I would support whatever group consensus is.) What I mean is: (1) does
assn want to restrict or prohibit short term rentals (e g., airbnb); (2) and/or longer term rentals;(3) and/or just limit the number of townhouses that can be rented at any given time long or short term, or both; or (4) just want to make sure any tenants
comply w assn rules; or (5) is there something else we are trying to accomplish. I guess my question is what does group want? Specifically? THEN maybe go spend $ to ask lawyer how we accomplish this? <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt">On Mon, Aug 22, 2022, 4:35 PM Joanna Campbell <<a href="mailto:bosswench@yahoo.com">bosswench@yahoo.com</a>> wrote:<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt">I agree with Lauren. This is a very specialized area of law that none of us have much, if any, experience with.
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<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt">Joanna<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt">On Mon, Aug 22, 2022 at 2:58 PM Lauren Rich via Everyone <<a href="mailto:everyone@chelseaplacedecatur.com" target="_blank">everyone@chelseaplacedecatur.com</a>> wrote:<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt">I think we need to get legal advice on the wording for amendment(s). . . none of us is real estate lawyer. . . <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt">On Mon, Aug 22, 2022 at 12:42 PM Sara Crews <<a href="mailto:sara408@comcast.net" target="_blank">sara408@comcast.net</a>> wrote:<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:Helvetica">Should the amendment state "future rentals?"</span><span style="font-size:11.0pt">
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:Helvetica">Sara</span><span style="font-size:11.0pt">
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<p class="MsoNormal"><span style="font-size:11.0pt">On 08/21/2022 7:33 PM Lauren Rich <<a href="mailto:laureninatlanta@gmail.com" target="_blank">laureninatlanta@gmail.com</a>> wrote:
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<p class="MsoNormal"><span style="font-size:11.0pt">I think we need to have real estate lawyer confirm advice to us.
<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt">On Sun, Aug 21, 2022, 6:26 PM Sara Crews <<a href="mailto:sara408@comcast.net" target="_blank">sara408@comcast.net</a>> wrote:
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:Helvetica;color:#333333">Lauren, it appears this article answered every aspect of leasing. Thank you for your diligent research.
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:Helvetica;color:#333333">Sara
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<p class="MsoNormal"><span style="font-size:11.0pt">On 08/21/2022 9:41 AM Lauren Rich <<a href="mailto:laureninatlanta@gmail.com" target="_blank">laureninatlanta@gmail.com</a>> wrote:
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<p class="MsoNormal"><span style="font-size:11.0pt">See articles -- <a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.luederlaw.com%2Frestricting-leasing-through-amendment%2F&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397625982%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=Tx8HHsKnodGNYac9rCLlyyRrXZ8tiYUIOSM7znn2f9A%3D&reserved=0" target="_blank">https://www.luederlaw.com/restricting-leasing-through-amendment/</a>
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<p class="MsoNormal"><span style="font-size:11.0pt"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.luederlaw.com%2Fthe-reasons-why-a-community-should-adopt-the-georgia-property-owners-association-act%2F%23%3A~%3Atext%3DThe%2520Georgia%2520Property%2520Owners%27%2520Association%2520Act%2520(%25E2%2580%259CPOA%25E2%2580%259D)%2Cbe%2520governed%2520by%2520the%2520POA&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397782219%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=DRZYfvBd8ZhGpxKZg07rUbFxMiMPikhcXq3V0dkpwpE%3D&reserved=0" target="_blank">https://www.luederlaw.com/the-reasons-why-a-community-should-adopt-the-georgia-property-owners-association-act/#:~:text=The%20Georgia%20Property%20Owners'%20Association%20Act%20(%E2%80%9CPOA%E2%80%9D),be%20governed%20by%20the%20POA</a>.
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<p class="MsoNormal"><span style="font-size:11.0pt">On Sat, Aug 20, 2022 at 4:58 PM Sara Crews via Everyone <<a href="mailto:everyone@chelseaplacedecatur.com" target="_blank">everyone@chelseaplacedecatur.com</a>> wrote:
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:Helvetica">Sara </span><span style="font-size:11.0pt">
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<p class="MsoNormal"><span style="font-size:11.0pt">---------- Original Message ----------
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<p class="MsoNormal"><span style="font-size:11.0pt">From: Citi Cards <<a href="mailto:citicards@info4.citi.com" target="_blank">citicards@info4.citi.com</a>>
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<p class="MsoNormal"><span style="font-size:11.0pt">To: Sara Crews <<a href="mailto:SARA408@COMCAST.NET" target="_blank">SARA408@COMCAST.NET</a>>
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<p class="MsoNormal"><span style="font-size:11.0pt">Date: 08/20/2022 2:08 PM <o:p>
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<p class="MsoNormal"><span style="font-size:11.0pt">Subject: The latest scam – what you should know
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<p class="MsoNormal"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#636466">Stay informed, don’t fall victim to scams</span><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal" align="right" style="text-align:right"><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#666666"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fl.info4.citi.com%2Frts%2Fgo2.aspx%3Fh%3D4923635%26tp%3Di-1NHD-Q3Y-iuC-77hPf9-1v-3pIwSV-1c-5U2kY-77Bi3W-l7tHxGNNoc-2JX5Oo%26x%3D5b177f2a6f2a3e95c9efcdbfba3aaffb74934272a5ae47faf6644fca272a2396&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397782219%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=vAvdACjZ8fDMVIS5%2BEDbHrFPIylJoPmYJ3OpkXptuPQ%3D&reserved=0" target="_blank"><span style="color:#666666">View in Browser</span></a></span><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal" align="right" style="text-align:right"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#666666">Sara Crews</span><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal" align="right" style="text-align:right"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#666666">Cardmember since: 2005 | Account ending in: 5746</span><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#002A54">Costco Anywhere Visa<sup>®</sup> Card</span><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<h1 style="margin:0in;line-height:33.0pt"><span style="font-size:30.0pt;font-family:"Arial",sans-serif;color:white;font-weight:normal">Be aware of the latest scam activity<o:p></o:p></span></h1>
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<p class="MsoNormal" style="line-height:13.5pt"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#000001">Hi Sara. We’ve recently seen digital money movement fraud on the rise. A scammer can contact you requesting payment through a Wire Transfer
or transfer via Zelle</span><sup><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#000001">®</span></sup><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#000001"> --these methods allow money to be sent quickly, and the funds
are often hard to trace and recover.</span><span style="font-size:10.5pt"><o:p></o:p></span></p>
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<p class="MsoNormal" align="center" style="text-align:center"><strong><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#000001">You should never wire money or send money using Zelle</span></strong><strong><sup><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#000001">®</span></sup></strong><strong><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#000001">
to:</span></strong><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<td width="30" style="width:22.5pt;padding:0in 0in 0in 0in"></td>
<td width="30" style="width:22.5pt;padding:0in 0in 0in 0in"></td>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
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<tbody>
<tr style="height:15.0pt">
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
<tr>
<td valign="top" style="padding:0in 0in 0in 0in">
<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="color:#000001;margin-top:11.25pt;margin-bottom:.75pt;line-height:13.5pt;mso-list:l1 level1 lfo1">
<span style="font-size:10.5pt;font-family:"Arial",sans-serif">Anyone who claims to be from a government agency<o:p></o:p></span></li><li class="MsoNormal" style="color:#000001;mso-margin-top-alt:auto;margin-bottom:.75pt;line-height:13.5pt;mso-list:l1 level1 lfo1">
<span style="font-size:10.5pt;font-family:"Arial",sans-serif">Any stranger, no matter what reason they give<o:p></o:p></span></li><li class="MsoNormal" style="color:#000001;mso-margin-top-alt:auto;margin-bottom:.75pt;line-height:13.5pt;mso-list:l1 level1 lfo1">
<span style="font-size:10.5pt;font-family:"Arial",sans-serif">A telemarketer trying to sell you something<o:p></o:p></span></li><li class="MsoNormal" style="color:#000001;mso-margin-top-alt:auto;margin-bottom:.75pt;line-height:13.5pt;mso-list:l1 level1 lfo1">
<span style="font-size:10.5pt;font-family:"Arial",sans-serif">Anyone claiming your account is compromised<o:p></o:p></span></li><li class="MsoNormal" style="color:#000001;mso-margin-top-alt:auto;margin-bottom:.75pt;line-height:13.5pt;mso-list:l1 level1 lfo1">
<span style="font-size:10.5pt;font-family:"Arial",sans-serif">Unauthorized, unverified cryptocurrency sites or salespeople<o:p></o:p></span></li><li class="MsoNormal" style="color:#000001;mso-margin-top-alt:auto;margin-bottom:11.25pt;line-height:13.5pt;mso-list:l1 level1 lfo1">
<span style="font-size:10.5pt;font-family:"Arial",sans-serif">Anyone asking you to send money to yourself<o:p></o:p></span></li></ul>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
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<tbody>
<tr style="height:15.0pt">
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
<tr style="height:15.0pt">
<td style="padding:0in 0in 0in 0in;height:15.0pt">
<p class="MsoNormal" align="center" style="text-align:center;mso-line-height-alt:0pt">
<span style="font-size:1.0pt"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fl.info4.citi.com%2Frts%2Fgo2.aspx%3Fh%3D4923653%26tp%3Di-1NGB-Q3Y-iuC-77hPf9-1v-3pIwSV-1c-77Bi3W-l7tHxGNNoc-L9hTQ&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397782219%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=h8e6lUvhTIIXfMgNqSQlgODqLTKydAxD6tOUTRAO%2FXo%3D&reserved=0" target="_blank"><span style="color:windowtext;text-decoration:none"><span style="color:blue"><img border="0" width="480" height="270" style="width:5.0in;height:2.8125in" id="_x0000_i1073" src="https://snamwpm.eccmp.com/wpm/100164/ContentUploads/BAU/images/Fraud-Alert-Screen-Grab.png"></span></span></a><o:p></o:p></span></p>
</td>
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</tbody>
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</div>
<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
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<tbody>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
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<td width="590" style="width:442.5pt;padding:0in 0in 0in 0in">
<p class="MsoNormal" style="line-height:13.5pt"><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#006BAD"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fl.info4.citi.com%2Frts%2Fgo2.aspx%3Fh%3D4923653%26tp%3Di-1NGB-Q3Y-iuC-77hPf9-1v-3pIwSV-1c-77Bi3W-l7tHxGNNoc-L9hTQ&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397782219%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=h8e6lUvhTIIXfMgNqSQlgODqLTKydAxD6tOUTRAO%2FXo%3D&reserved=0" target="_blank"><span style="color:#006BAD">Learn
More</span></a></span></u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#000001">: Scammers Encouraging Wire Transfers and Zelle Payments<o:p></o:p></span></p>
</td>
<td width="30" style="width:22.5pt;padding:0in 0in 0in 0in"></td>
</tr>
</tbody>
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</div>
<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
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<td style="padding:0in 0in 0in 0in;height:15.0pt"></td>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
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<td style="padding:0in 0in 0in 0in;height:15.0pt">
<p class="MsoNormal" align="center" style="text-align:center;mso-line-height-alt:0pt">
<span style="font-size:1.0pt"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fl.info4.citi.com%2Frts%2Fgo2.aspx%3Fh%3D4923654%26tp%3Di-1NGB-Q3Y-iuC-77hPf9-1v-3pIwSV-1c-77Bi3W-l7tHxGNNoc-L9hTQ&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397782219%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=fP7HHBHWK7vHgOcJnoRDERIw7XNt1x6WpS6ho1HlkW0%3D&reserved=0" target="_blank"><span style="color:windowtext;text-decoration:none"><span style="color:blue"><img border="0" width="480" style="width:5.0in" id="_x0000_i1072" src="https://snamwpm.eccmp.com/wpm/100164/ContentUploads/BAU/images/fraud-hero-tab.jpg"></span></span></a><o:p></o:p></span></p>
</td>
</tr>
</tbody>
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</div>
<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
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<td style="padding:0in 0in 0in 0in;height:15.0pt"></td>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
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<td width="30" style="width:22.5pt;padding:0in 0in 0in 0in"></td>
<td width="590" style="width:442.5pt;padding:0in 0in 0in 0in">
<p class="MsoNormal" style="line-height:13.5pt"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#000001">Let’s fight fraud together. Visit and bookmark our new hub for the latest fraud and security insights at
<a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fl.info4.citi.com%2Frts%2Fgo2.aspx%3Fh%3D4923654%26tp%3Di-1NGB-Q3Y-iuC-77hPf9-1v-3pIwSV-1c-77Bi3W-l7tHxGNNoc-L9hTQ&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397782219%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=fP7HHBHWK7vHgOcJnoRDERIw7XNt1x6WpS6ho1HlkW0%3D&reserved=0" target="_blank">
<span style="color:#056DAE">citi.com/fraudprevention</span></a>.<o:p></o:p></span></p>
</td>
<td width="30" style="width:22.5pt;padding:0in 0in 0in 0in"></td>
</tr>
</tbody>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
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<td width="590" style="width:442.5pt;padding:0in 0in 0in 0in">
<p class="MsoNormal" style="line-height:13.5pt"><strong><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#000001">Stay vigilant to protect your personal accounts</span></strong><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#000001"><o:p></o:p></span></p>
</td>
<td width="30" style="width:22.5pt;padding:0in 0in 0in 0in"></td>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
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<td style="padding:0in 0in 0in 0in;height:15.0pt"></td>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<ul type="disc">
<li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 level1 lfo2">
<span style="font-size:11.0pt"><o:p> </o:p></span></li></ul>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
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<td width="75" style="width:56.25pt;padding:0in 0in 0in 0in"></td>
<td width="40" style="width:30.0pt;padding:0in 0in 0in 0in">
<p class="MsoNormal"><span style="font-size:11.0pt"><img border="0" width="40" height="40" style="width:.4166in;height:.4166in" id="_x0000_i1071" src="https://snamwpm.eccmp.com/wpm/100164/ContentUploads/BAU/images/005_profile.png"><o:p></o:p></span></p>
</td>
<td width="15" style="width:11.25pt;padding:0in 0in 0in 0in"></td>
<td width="500" style="width:375.0pt;padding:0in 0in 0in 0in">
<p class="MsoNormal" style="line-height:13.5pt"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#303030">If you get a suspicious call, email, or text, don’t disclose any personal information until you verify it’s from a legitimate source.
If you have any doubt, contact the company directly.</span><span style="font-size:10.5pt"><o:p></o:p></span></p>
</td>
<td width="20" style="width:15.0pt;padding:0in 0in 0in 0in"></td>
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<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="mso-list:l0 level1 lfo2;display:none"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></li></ul>
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<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="mso-list:l0 level1 lfo2;display:none"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></li><li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 level1 lfo2">
<span style="font-size:11.0pt"><o:p> </o:p></span></li></ul>
<div align="center">
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<td width="75" style="width:56.25pt;padding:0in 0in 0in 0in"></td>
<td width="40" style="width:30.0pt;padding:0in 0in 0in 0in">
<p class="MsoNormal"><span style="font-size:11.0pt"><img border="0" width="40" height="40" style="width:.4166in;height:.4166in" id="_x0000_i1070" src="https://snamwpm.eccmp.com/wpm/100164/ContentUploads/BAU/images/056_laptop.png"><o:p></o:p></span></p>
</td>
<td width="15" style="width:11.25pt;padding:0in 0in 0in 0in"></td>
<td width="500" style="width:375.0pt;padding:0in 0in 0in 0in">
<p class="MsoNormal" style="line-height:13.5pt"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#303030">Only allow remote access to your computer when you’ve initiated the contact with a company you know through a verified phone number or
website.</span><span style="font-size:10.5pt"><o:p></o:p></span></p>
</td>
<td width="20" style="width:15.0pt;padding:0in 0in 0in 0in"></td>
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<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="mso-list:l0 level1 lfo2;display:none"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></li></ul>
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<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="mso-list:l0 level1 lfo2;display:none"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></li><li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 level1 lfo2">
<span style="font-size:11.0pt"><o:p> </o:p></span></li></ul>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
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<td width="75" style="width:56.25pt;padding:0in 0in 0in 0in"></td>
<td width="40" style="width:30.0pt;padding:0in 0in 0in 0in">
<p class="MsoNormal"><span style="font-size:11.0pt"><img border="0" width="40" height="40" style="width:.4166in;height:.4166in" id="_x0000_i1069" src="https://snamwpm.eccmp.com/wpm/100164/ContentUploads/BAU/images/232_lock_pin.png"><o:p></o:p></span></p>
</td>
<td width="15" style="width:11.25pt;padding:0in 0in 0in 0in"></td>
<td width="500" style="width:375.0pt;padding:0in 0in 0in 0in">
<p class="MsoNormal" style="line-height:13.5pt"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#303030">Always protect your card and account PIN. Be sure it is not easily guessable, do not enter it on a non-Citi site, and remember that our
team will never ask for it.</span><span style="font-size:10.5pt"><o:p></o:p></span></p>
</td>
<td width="20" style="width:15.0pt;padding:0in 0in 0in 0in"></td>
</tr>
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</div>
<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="mso-list:l0 level1 lfo2;display:none"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></li></ul>
<div align="center">
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<tbody>
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<td style="padding:0in 0in 0in 0in;height:15.0pt"></td>
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<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="mso-list:l0 level1 lfo2;display:none"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></li><li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 level1 lfo2">
<span style="font-size:11.0pt"><o:p> </o:p></span></li></ul>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
<tr>
<td width="75" style="width:56.25pt;padding:0in 0in 0in 0in"></td>
<td width="40" style="width:30.0pt;padding:0in 0in 0in 0in">
<p class="MsoNormal"><span style="font-size:11.0pt"><img border="0" width="40" height="40" style="width:.4166in;height:.4166in" id="_x0000_i1068" src="https://snamwpm.eccmp.com/wpm/100164/ContentUploads/BAU/images/020_lock.png"><o:p></o:p></span></p>
</td>
<td width="15" style="width:11.25pt;padding:0in 0in 0in 0in"></td>
<td width="500" style="width:375.0pt;padding:0in 0in 0in 0in">
<p class="MsoNormal" style="line-height:13.5pt"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#303030">Set up 2-factor authentication (multiple ways to identify yourself) with the companies you work with to help keep your device and money
secure.</span><span style="font-size:10.5pt"><o:p></o:p></span></p>
</td>
<td width="20" style="width:15.0pt;padding:0in 0in 0in 0in"></td>
</tr>
</tbody>
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<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="mso-list:l0 level1 lfo2;display:none"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></li></ul>
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<tbody>
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<td style="padding:0in 0in 0in 0in;height:15.0pt"></td>
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<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="mso-list:l0 level1 lfo2;display:none"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></li><li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 level1 lfo2">
<span style="font-size:11.0pt"><o:p> </o:p></span></li></ul>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
<tr>
<td width="75" style="width:56.25pt;padding:0in 0in 0in 0in"></td>
<td width="40" style="width:30.0pt;padding:0in 0in 0in 0in">
<p class="MsoNormal"><span style="font-size:11.0pt"><img border="0" width="40" height="40" style="width:.4166in;height:.4166in" id="_x0000_i1067" src="https://snamwpm.eccmp.com/wpm/100164/ContentUploads/BAU/images/239_mobile_warning.png"><o:p></o:p></span></p>
</td>
<td width="15" style="width:11.25pt;padding:0in 0in 0in 0in"></td>
<td width="500" style="width:375.0pt;padding:0in 0in 0in 0in">
<p class="MsoNormal" style="line-height:13.5pt"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#303030">If you suspect one of your accounts has been compromised, immediately change your user ID and password for your Citi account and other
important accounts.</span><span style="font-size:10.5pt"><o:p></o:p></span></p>
</td>
<td width="20" style="width:15.0pt;padding:0in 0in 0in 0in"></td>
</tr>
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</td>
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</div>
<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
<tr style="height:15.0pt">
<td style="padding:0in 0in 0in 0in;height:15.0pt"></td>
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</tbody>
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</div>
<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
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<td width="30" style="width:22.5pt;padding:0in 0in 0in 0in"></td>
<td width="590" style="width:442.5pt;padding:0in 0in 0in 0in">
<h2 style="line-height:13.5pt"><strong><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#000001">We’ve got you covered</span></strong><o:p></o:p></h2>
<p class="MsoNormal" style="line-height:13.5pt"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:#000001">Bookmark our new site,
<a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fl.info4.citi.com%2Frts%2Fgo2.aspx%3Fh%3D4923654%26tp%3Di-1NGB-Q3Y-iuC-77hPf9-1v-3pIwSV-1c-77Bi3W-l7tHxGNNoc-L9hTQ&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397782219%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=fP7HHBHWK7vHgOcJnoRDERIw7XNt1x6WpS6ho1HlkW0%3D&reserved=0" target="_blank">
<span style="color:#056DAE">citi.com/fraudprevention</span></a>, and visit often for the latest updates on common scams and how to spot them.</span><span style="font-size:10.5pt"><o:p></o:p></span></p>
</td>
<td width="30" style="width:22.5pt;padding:0in 0in 0in 0in"></td>
</tr>
</tbody>
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</div>
<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
<tr style="height:30.0pt">
<td style="padding:0in 0in 0in 0in;height:30.0pt"></td>
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</tbody>
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</div>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt;background:#00BDF2">
<tbody>
<tr style="height:7.5pt">
<td style="padding:0in 0in 0in 0in;height:7.5pt">
<p class="MsoNormal" style="mso-line-height-alt:0pt"><span style="font-size:1.0pt;color:black"><img border="0" width="10" height="10" style="width:.1041in;height:.1041in" id="_x0000_i1066" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt;background:#002D72">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
<tr style="height:37.5pt">
<td style="padding:0in 0in 0in 0in;height:37.5pt"></td>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
<tr>
<td width="30" style="width:22.5pt;padding:0in 0in 0in 0in"></td>
<td width="590" style="width:442.5pt;padding:0in 0in 0in 0in">
<p class="MsoNormal" style="line-height:21.0pt"><span style="font-size:18.0pt;font-family:"Arial",sans-serif;color:white">Citi is at your side when you need us most.</span><span style="font-size:18.0pt"><o:p></o:p></span></p>
</td>
<td width="30" style="width:22.5pt;padding:0in 0in 0in 0in"></td>
</tr>
</tbody>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
<tr style="height:22.5pt">
<td style="padding:0in 0in 0in 0in;height:22.5pt"></td>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
<tr>
<td width="30" style="width:22.5pt;padding:0in 0in 0in 0in"></td>
<td width="590" style="width:442.5pt;padding:0in 0in 0in 0in">
<p class="MsoNormal" align="right" style="text-align:right;line-height:23.25pt"><span style="font-size:22.0pt;font-family:"Arial",sans-serif;color:white">Your Citi Team</span><span style="font-size:22.0pt"><o:p></o:p></span></p>
</td>
<td width="30" style="width:22.5pt;padding:0in 0in 0in 0in"></td>
</tr>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
<tr style="height:37.5pt">
<td style="padding:0in 0in 0in 0in;height:37.5pt"></td>
</tr>
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</td>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
<tr style="height:26.25pt">
<td style="padding:0in 0in 0in 0in;height:26.25pt"></td>
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<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt;background:#EEEEEE">
<tbody>
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<td style="padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt;background:#002154">
<tbody>
<tr>
<td valign="top" style="padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%">
<tbody>
<tr>
<td valign="top" style="padding:0in 0in 0in 0in">
<ol style="margin-top:0in;min-width:650px" start="1" type="1">
<li class="MsoNormal" style="text-align:center;mso-line-height-alt:0pt;mso-list:l3 level1 lfo3;vertical-align:top;display:inline-block">
<span style="font-size:1.0pt"><o:p> </o:p></span></li></ol>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%">
<tbody>
<tr style="height:.75pt">
<td width="20" style="width:15.0pt;padding:0in 0in 0in 0in;height:.75pt">
<p class="MsoNormal" style="mso-line-height-alt:0pt"><span style="font-size:1.0pt"><img border="0" width="30" height="1" style="width:.3125in;height:.0104in" id="_x0000_i1065" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</div>
<ol style="margin-top:0in" start="2" type="1">
<li class="MsoNormal" style="text-align:center;mso-line-height-alt:0pt;mso-list:l3 level1 lfo3;display:none;vertical-align:top">
<span style="font-size:1.0pt;display:none"><o:p> </o:p></span></li></ol>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="210" style="width:157.5pt;min-width:210px">
<tbody>
<tr style="height:30.0pt">
<td style="padding:0in 0in 0in 0in;height:30.0pt">
<p class="MsoNormal" align="center" style="text-align:center"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:white"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fl.info4.citi.com%2Frts%2Fgo2.aspx%3Fh%3D4923639%26tp%3Di-1NHD-Q3Y-iuC-77hPf9-1v-3pIwSV-1c-5U2lR-77Bi3W-l7tHxGNNoc-FL4rq&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397782219%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=8lsuCiCzvA4i6a1kAhqfz34kYBP7i7LOupP7Z2QcMcM%3D&reserved=0" target="_blank"><strong><span style="font-family:"Arial",sans-serif;color:white;font-weight:normal;text-decoration:none">My
Account</span></strong></a></span><span style="font-size:11.0pt"><o:p></o:p></span></p>
</td>
<td width="1" style="width:.75pt;padding:0in 0in 0in 0in;height:30.0pt">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="1" style="width:.75pt;background:white">
<tbody>
<tr style="height:15.0pt">
<td width="1" style="width:.75pt;padding:0in 0in 0in 0in;height:15.0pt">
<p class="MsoNormal" style="mso-line-height-alt:0pt"><span style="font-size:1.0pt;color:black"><img border="0" width="1" height="20" style="width:.0104in;height:.2083in" id="_x0000_i1064" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<ol style="margin-top:0in" start="3" type="1">
<li class="MsoNormal" style="text-align:center;mso-line-height-alt:0pt;mso-list:l3 level1 lfo3;display:none;vertical-align:top;display:inline-block">
<span style="font-size:1.0pt;display:none"><o:p> </o:p></span></li><li class="MsoNormal" style="text-align:center;mso-line-height-alt:0pt;mso-list:l3 level1 lfo3;vertical-align:top">
<span style="font-size:1.0pt"><o:p> </o:p></span></li></ol>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%">
<tbody>
<tr style="height:.75pt">
<td width="20" style="width:15.0pt;padding:0in 0in 0in 0in;height:.75pt">
<p class="MsoNormal" style="mso-line-height-alt:0pt"><span style="font-size:1.0pt"><img border="0" width="30" height="1" style="width:.3125in;height:.0104in" id="_x0000_i1063" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</div>
<ol style="margin-top:0in" start="5" type="1">
<li class="MsoNormal" style="text-align:center;mso-line-height-alt:0pt;mso-list:l3 level1 lfo3;display:none;vertical-align:top">
<span style="font-size:1.0pt;display:none"><o:p> </o:p></span></li></ol>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="210" style="width:157.5pt;min-width:210px">
<tbody>
<tr style="height:30.0pt">
<td style="padding:0in 0in 0in 0in;height:30.0pt">
<p class="MsoNormal" align="center" style="text-align:center"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:white"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fl.info4.citi.com%2Frts%2Fgo2.aspx%3Fh%3D4923644%26tp%3Di-1NHD-Q3Y-iuC-77hPf9-1v-3pIwSV-1c-5U2lI-77Bi3W-l7tHxGNNoc-s9CnE&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397782219%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=cMQPPlfQKKEevprW0bwmO7%2FfjweX8nDWXY2aZQcWEYs%3D&reserved=0" target="_blank"><strong><span style="font-family:"Arial",sans-serif;color:white;font-weight:normal;text-decoration:none">My
Benefits</span></strong></a></span><span style="font-size:11.0pt"><o:p></o:p></span></p>
</td>
<td width="1" style="width:.75pt;padding:0in 0in 0in 0in;height:30.0pt">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="1" style="width:.75pt;background:white">
<tbody>
<tr style="height:15.0pt">
<td width="1" style="width:.75pt;padding:0in 0in 0in 0in;height:15.0pt">
<p class="MsoNormal" style="mso-line-height-alt:0pt"><span style="font-size:1.0pt;color:black"><img border="0" width="1" height="20" style="width:.0104in;height:.2083in" id="_x0000_i1062" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<ol style="margin-top:0in" start="6" type="1">
<li class="MsoNormal" style="text-align:center;mso-line-height-alt:0pt;mso-list:l3 level1 lfo3;display:none;vertical-align:top;display:inline-block">
<span style="font-size:1.0pt;display:none"><o:p> </o:p></span></li><li class="MsoNormal" style="text-align:center;mso-line-height-alt:0pt;mso-list:l3 level1 lfo3;vertical-align:top">
<span style="font-size:1.0pt"><o:p> </o:p></span></li></ol>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%">
<tbody>
<tr style="height:.75pt">
<td width="20" style="width:15.0pt;padding:0in 0in 0in 0in;height:.75pt">
<p class="MsoNormal" style="mso-line-height-alt:0pt"><span style="font-size:1.0pt"><img border="0" width="30" height="1" style="width:.3125in;height:.0104in" id="_x0000_i1061" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</div>
<ol style="margin-top:0in" start="8" type="1">
<li class="MsoNormal" style="text-align:center;mso-line-height-alt:0pt;mso-list:l3 level1 lfo3;display:none;vertical-align:top">
<span style="font-size:1.0pt;display:none"><o:p> </o:p></span></li></ol>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="210" style="width:157.5pt;min-width:210px">
<tbody>
<tr style="height:30.0pt">
<td style="padding:0in 0in 0in 0in;height:30.0pt">
<p class="MsoNormal" align="center" style="text-align:center"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;color:white"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fl.info4.citi.com%2Frts%2Fgo2.aspx%3Fh%3D4923641%26tp%3Di-1NHD-Q3Y-iuC-77hPf9-1v-3pIwSV-1c-5U2lV-77Bi3W-l7tHxGNNoc-NreWy&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397782219%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=IO%2F43f9zYZtxXrAUzqFIgd%2B5IkLeU0XVrVOOSLGeyFY%3D&reserved=0" target="_blank"><strong><span style="font-family:"Arial",sans-serif;color:white;font-weight:normal;text-decoration:none">Contact
Us</span></strong></a></span><span style="font-size:11.0pt"><o:p></o:p></span></p>
</td>
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</tbody>
</table>
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</td>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
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<tr style="height:7.5pt">
<td valign="top" style="padding:0in 0in 0in 0in;height:7.5pt">
<p class="MsoNormal" align="center" style="text-align:center;mso-line-height-alt:0pt">
<span style="font-size:1.0pt"><img border="0" width="10" height="10" style="width:.1041in;height:.1041in" id="_x0000_i1060" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"><o:p></o:p></span></p>
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</div>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt;background:#EEEEEE">
<tbody>
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<td style="padding:0in 0in 0in 0in">
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt">
<tbody>
<tr>
<td style="padding:0in 0in 0in 0in">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="320" style="width:240.0pt">
<tbody>
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<td width="10" style="width:7.5pt;padding:0in 0in 0in 0in"></td>
<td valign="top" style="padding:0in 0in 0in 0in">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="300" style="width:225.0pt">
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<tr style="height:15.0pt">
<td style="padding:0in 0in 0in 0in;height:15.0pt">
<h5 style="margin:0in"><span style="font-size:8.5pt;font-family:"Arial",sans-serif;color:black;font-weight:normal">Download the Citi Mobile® App<o:p></o:p></span></h5>
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<p class="MsoNormal"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fl.info4.citi.com%2Frts%2Fgo2.aspx%3Fh%3D4923649%26tp%3Di-1NHD-Q3Y-iuC-77hPf9-1v-3pIwSV-1c-5U2lY-77Bi3W-l7tHxGNNoc-U34Nd&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397782219%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=82eAIHoRPHzOuVP2FjB5ohf8afU0X%2BMwxlUkld1%2F8X0%3D&reserved=0" target="_blank"><span style="font-size:11.0pt;color:windowtext;text-decoration:none"><span style="color:blue"><img border="0" width="135" height="40" style="width:1.4062in;height:.4166in" id="_x0000_i1059" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_footer_mobile_AppStore_transp.png" alt="Download the Citi Mobile App from the App Store"></span></span></a><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fl.info4.citi.com%2Frts%2Fgo2.aspx%3Fh%3D4923646%26tp%3Di-1NHD-Q3Y-iuC-77hPf9-1v-3pIwSV-1c-5U2lY-77Bi3W-l7tHxGNNoc-U34Nd&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397938465%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=xGS%2F0NYCCI3EgKV78wn5BmKjrJWAFyn%2FfrAG%2FbeZvyE%3D&reserved=0" target="_blank"><span style="font-size:11.0pt;color:windowtext;text-decoration:none"><span style="color:blue"><img border="0" width="40" height="40" style="width:.4166in;height:.4166in" id="_x0000_i1055" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_footer_social_Facebook_transp.png" alt="Connect with Citi on Facebook"></span></span></a><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fl.info4.citi.com%2Frts%2Fgo2.aspx%3Fh%3D4923648%26tp%3Di-1NHD-Q3Y-iuC-77hPf9-1v-3pIwSV-1c-5U2lY-77Bi3W-l7tHxGNNoc-U34Nd&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397938465%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=0XwNbRT0Ga6UVFY4%2FctZ%2BHIkPH0qxedkMNP1QnyCoSE%3D&reserved=0" target="_blank"><span style="font-size:11.0pt;color:windowtext;text-decoration:none"><span style="color:blue"><img border="0" width="41" height="41" style="width:.427in;height:.427in" id="_x0000_i1052" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_footer_social_Instagram_transp.png" alt="Connect with Citi on Instagram"></span></span></a><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
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<span style="font-size:1.0pt;color:black"><img border="0" width="10" height="15" style="width:.1041in;height:.1562in" id="_x0000_i1051" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-line-height-alt:0pt"><span style="font-size:1.0pt;color:black"><img border="0" width="10" height="10" style="width:.1041in;height:.1041in" id="_x0000_i1049" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><a name="m_8641033741748456750_m_-802815061693134"></a><span style="font-size:8.5pt;font-family:"Arial",sans-serif;color:#636466">Zelle</span><sup><span style="font-size:7.0pt;font-family:"Arial",sans-serif;color:#636466">®</span></sup><span style="font-size:8.5pt;font-family:"Arial",sans-serif;color:#636466">
and the Zelle</span><sup><span style="font-size:7.0pt;font-family:"Arial",sans-serif;color:#636466">®</span></sup><span style="font-size:8.5pt;font-family:"Arial",sans-serif;color:#636466"> related marks are wholly owned by Early Warning Services, LLC and
are used herein under license. </span><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<h6 style="margin:0in;line-height:10.5pt"><u><span style="font-size:8.5pt;font-family:"Arial",sans-serif;color:#636466;font-weight:normal">ABOUT THIS MESSAGE<o:p></o:p></span></u></h6>
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about features and services to help you effectively manage your account. Please do not reply to this service email. If you have questions, please contact us using the number on the back of your card (TTY:711) or visit
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<p class="MsoNormal" style="line-height:10.5pt"><strong><span style="font-size:8.5pt;font-family:"Arial",sans-serif;color:black">The account information near the lock icon at the top of this email helps verify that it was sent by Citi.</span></strong><span style="font-size:8.5pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#636466"> <a href="https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fl.info4.citi.com%2Frts%2Fgo2.aspx%3Fh%3D4923638%26tp%3Di-1NHD-Q3Y-iuC-77hPf9-1v-3pIwSV-1c-5U2li-77Bi3W-l7tHxGNNoc-1uBBy4&data=05%7C01%7Ckbaggett%40gsu.edu%7C41fdd3a527cf44cc9de708da84820e6f%7C515ad73d8d5e4169895c9789dc742a70%7C0%7C0%7C637967991397938465%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=iKF1S0b0PQyFO%2FiWaiEWln8BEm5CKhQnjXvXtlxhizA%3D&reserved=0" target="_blank"><span style="color:#056DAE">Security
Center</span></a></span><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="mso-line-height-alt:0pt"><span style="font-size:1.0pt;color:black"><img border="0" width="10" height="10" style="width:.1041in;height:.1041in" id="_x0000_i1041" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:8.5pt;font-family:"Arial",sans-serif;color:#636466">Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play
and the Google Play logo are trademarks of Google LLC. <br>
<br>
Citibank is not responsible for products and services offered by other companies.
</span><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-line-height-alt:0pt"><span style="font-size:1.0pt;color:black"><img border="0" width="10" height="10" style="width:.1041in;height:.1041in" id="_x0000_i1038" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:8.5pt;font-family:"Arial",sans-serif;color:#636466">Our mailing address:<br>
Citibank, N.A. Customer Service, P. O. Box 6500 Sioux Falls, SD 57117 </span><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
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<tbody>
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<td valign="top" style="padding:0in 0in 0in 0in;height:7.5pt">
<p class="MsoNormal" align="center" style="text-align:center;mso-line-height-alt:0pt">
<span style="font-size:1.0pt;color:black"><img border="0" width="10" height="10" style="width:.1041in;height:.1041in" id="_x0000_i1036" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
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<p class="MsoNormal" align="center" style="text-align:center;mso-line-height-alt:0pt">
<span style="font-size:1.0pt;color:black"><img border="0" width="10" height="10" style="width:.1041in;height:.1041in" id="_x0000_i1035" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
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<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt;background:#EEEEEE">
<tbody>
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<p class="MsoNormal" style="mso-line-height-alt:0pt"><span style="font-size:1.0pt;color:black"><img border="0" width="10" height="10" style="width:.1041in;height:.1041in" id="_x0000_i1034" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:8.5pt;font-family:"Arial",sans-serif;color:#636466">© 2022 Citibank, N.A.
</span><span style="font-size:11.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="mso-line-height-alt:0pt"><span style="font-size:1.0pt;color:black"><img border="0" width="10" height="10" style="width:.1041in;height:.1041in" id="_x0000_i1032" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:8.5pt;font-family:"Arial",sans-serif;color:#636466">Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.
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<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
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<tbody>
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<td width="10" valign="top" style="width:7.5pt;padding:0in 0in 0in 0in">
<p class="MsoNormal" style="mso-line-height-alt:0pt"><span style="font-size:1.0pt;color:black"><img border="0" width="10" height="10" style="width:.1041in;height:.1041in" id="_x0000_i1030" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:8.5pt;font-family:"Arial",sans-serif;color:#636466">Visa<sup>®</sup> is a registered trademark of Visa International Service Association and used under license.
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<span style="font-size:1.0pt;color:black"><img border="0" width="10" height="10" style="width:.1041in;height:.1041in" id="_x0000_i1029" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
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</div>
<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt;background:#EEEEEE">
<tbody>
<tr style="height:30.0pt">
<td valign="top" style="padding:0in 0in 0in 0in;height:30.0pt">
<p class="MsoNormal" align="center" style="text-align:center;mso-line-height-alt:0pt">
<span style="font-size:1.0pt;color:black"><img border="0" width="10" height="10" style="width:.1041in;height:.1041in" id="_x0000_i1028" src="https://snamwpm.eccmp.com/wpm/503/Global/GBL_spacer.gif"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt;display:none"><o:p> </o:p></span></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="650" style="width:487.5pt;background:#EEEEEE">
<tbody>
<tr>
<td width="650" style="width:487.5pt;padding:0in 0in 0in 0in">
<p class="MsoNormal"><span style="font-size:7.0pt;font-family:"Arial",sans-serif;color:#636466"><br>
<br>
<br>
082022/00F51/Z1/524/803 </span><span style="font-size:11.0pt"><o:p></o:p></span></p>
</td>
</tr>
<tr>
<td valign="top" style="padding:0in 0in 0in 0in">
<p class="MsoNormal"><span style="font-size:11.0pt;color:black"><img border="0" width="1" height="1" style="width:.0104in;height:.0104in" id="_x0000_i1027" src="https://sr.rlcdn.com/425476.gif?s=78a62bcf1c7920fbef2f2268d8ca9aa7c766b556&n=1"></span><span style="font-size:11.0pt"><o:p></o:p></span></p>
</td>
</tr>
<tr>
<td valign="top" style="padding:0in 0in 0in 0in">
<p class="MsoNormal"><span style="font-size:11.0pt;color:black"><img border="0" width="1" height="1" style="width:.0104in;height:.0104in" id="_x0000_i1026" src="https://id.rlcdn.com/501479.gif?cparams=ssv_002%3D803%26ssv_003%3D2022-08-20%26number%3D106526710931"></span><span style="font-size:11.0pt"><o:p></o:p></span></p>
</td>
</tr>
<tr>
<td valign="top" style="padding:0in 0in 0in 0in">
<p class="MsoNormal"><span style="font-size:11.0pt;color:black"><img border="0" width="1" height="1" style="width:.0104in;height:.0104in" id="_x0000_i1025" src="https://stags.bluekai.com/site/73420?limit=1&phint=event=open&phint=promo_id=803&phint=camp_date=8/20/2022&cache=6526710931"></span><span style="font-size:11.0pt"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
</div>
</blockquote>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt">_______________________________________________
<br>
Everyone mailing list <br>
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<br>
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<o:p></o:p></span></p>
</blockquote>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt"><br clear="all">
<o:p></o:p></span></p>
<div>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-size:11.0pt">Lauren Rich
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<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-size:11.0pt">Lauren Rich<br>
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