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    <p>FYI  We talked about this on the Connect call this morning.</p>
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        <p style="margin: 0cm 0cm 0.0001pt; font-size: 11pt;
          font-family: Calibri, sans-serif;"><span lang="EN-US"><b>Subject:</b><span> </span><span
              class="il">Open</span><span> </span><span class="il">Banking</span><span> </span>|
            Premium API Idea Submission Process</span></p>
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    </div>
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            style="font-size: 10pt; font-family: Gadugi, sans-serif;">Sent
            on behalf of Huw Davies & Mark Santall</span></u></b></p>
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          style="font-size: 10pt; font-family: Gadugi, sans-serif;"> </span></b></p>
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          style="font-size: 10pt; font-family: Gadugi, sans-serif;"> </span></b></p>
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      font-size: 11pt; font-family: Calibri, sans-serif;"><b><span
          style="font-size: 10pt; font-family: Gadugi, sans-serif;">Premium
          API idea submission process</span></b></p>
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        style="font-size: 10pt; font-family: Gadugi, sans-serif;"> </span></p>
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        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Dear<span> </span><span
          class="il">Open</span><span> </span><span class="il">Banking</span><span> </span>Stakeholders,</span></p>
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        style="font-size: 10pt; font-family: Gadugi, sans-serif;"><span
          style="word-break: break-all;">                              <wbr>                              <wbr>                              <wbr>                              <wbr>                              <wbr>     </span></span></p>
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        style="font-size: 10pt; font-family: Gadugi, sans-serif;">With
        the closing date for responses to the first wave of premium API
        candidates tonight the 13<sup>th</sup><span> </span>June 2019
        (see attached email titled<span> </span><span class="il">Open</span><span> </span><span
          class="il">Banking</span><span> </span>/ Premium APIs on the
        31<sup>st</sup><span> </span>May 2019), OBIE now invites
        Stakeholders to submit their proposal and ideas for future
        Premium API for our consideration, this submission process will
        be continually available until further notice.</span></p>
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        style="font-size: 10pt; font-family: Gadugi, sans-serif;"> </span></p>
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      font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">The
        ultimate aim of course is for Premium APIs to assist in
        accelerating the adoption of<span> </span><span class="il">open</span><span> </span><span
          class="il">banking</span><span> </span>whilst, at the same
        time, delivering value and benefit to PSUs.</span></p>
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        style="font-size: 10pt; font-family: Gadugi, sans-serif;"> </span></p>
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      font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Submissions
        meeting these objectives and deemed to best met by developing a
        standard that supports adoption at a whole of market level, will
        be added to the list of Premium API candidates for future
        consideration and development.  </span></p>
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        style="font-size: 10pt; font-family: Arial, sans-serif; color:
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          style="color: rgb(17, 85, 204);">Premium API submission form</a></span><span
        style="color: blue;"></span></p>
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        style="font-size: 10pt; font-family: Gadugi, sans-serif;"> </span></p>
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      font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Please
        describe (as far as possible) and articulate your ideas, aligned
        with the below 3 key parameters:</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
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          style="font-size: 10pt; font-family: Gadugi, sans-serif;"> </span></b></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
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      font-size: 11pt; font-family: Calibri, sans-serif;"><b><span
          style="font-size: 10pt; font-family: Gadugi, sans-serif;">Scale
          of Opportunity</span></b></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
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      54pt; font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-family: "Courier New";"><span>o<span
            style="font: 7pt "Times New Roman";">  <span> </span></span></span></span><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Does
        it unlock significant use cases / verticals / opportunities
        (potential to include commercial opportunity position)?</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
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      54pt; font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-family: "Courier New";"><span>o<span
            style="font: 7pt "Times New Roman";">  <span> </span></span></span></span><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Does
        it remove significant barriers to adoption?</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 12pt
      54pt; font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-family: "Courier New";"><span>o<span
            style="font: 7pt "Times New Roman";">  <span> </span></span></span></span><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Does
        it enable interoperability across EU and other markets?</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><b><span
          style="font-size: 10pt; font-family: Gadugi, sans-serif;">Is
          it a Force for Good?</span></b></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt
      54pt; font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-family: "Courier New";"><span>o<span
            style="font: 7pt "Times New Roman";">  <span> </span></span></span></span><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Does
        it help negate the need for screen scraping to continue?</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt
      54pt; font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-family: "Courier New";"><span>o<span
            style="font: 7pt "Times New Roman";">  <span> </span></span></span></span><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Is it
        aligned with financial inclusion? e.g. easing access to
        financial services, or enabling lending to SME's</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 12pt
      54pt; font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-family: "Courier New";"><span>o<span
            style="font: 7pt "Times New Roman";">  <span> </span></span></span></span><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Does
        it create obvious benefit to PSU (Consumer / SME) consumer
        protection? - (reduction in fraud - possible move to scale of
        opportunity)</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><b><span
          style="font-size: 10pt; font-family: Gadugi, sans-serif;">Delivery
          Complexity</span></b></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt
      54pt; font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-family: "Courier New";"><span>o<span
            style="font: 7pt "Times New Roman";">  <span> </span></span></span></span><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Speed
        of delivery</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt
      54pt; font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-family: "Courier New";"><span>o<span
            style="font: 7pt "Times New Roman";">  <span> </span></span></span></span><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Cost
        of delivery</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt
      54pt; font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-family: "Courier New";"><span>o<span
            style="font: 7pt "Times New Roman";">  <span> </span></span></span></span><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Technical
        complexity</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt
      54pt; font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-family: "Courier New";"><span>o<span
            style="font: 7pt "Times New Roman";">  <span> </span></span></span></span><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Market
        complexity</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt
      54pt; font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-family: "Courier New";"><span>o<span
            style="font: 7pt "Times New Roman";">  <span> </span></span></span></span><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Alignment
        with existing solutions</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;"> </span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">For
        any questions please contact either Huw Davies or Mark Santall.</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;"> </span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;">Kind
        Regards</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-size: 10pt; font-family: Gadugi, sans-serif;"> </span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><b><span
          style="font-size: 10pt; font-family: Arial, sans-serif;">Mark
          Santall</span></b><b><span style="font-size: 10pt;
          font-family: Arial, sans-serif;"></span></b></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-size: 10pt; font-family: Arial, sans-serif;">Product
        Manager |<span> </span><span class="il">Open</span><span> </span><span
          class="il">Banking</span><span> </span>Limited</span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-size: 10pt; font-family: Arial, sans-serif;"> </span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><b><span><img
            alt="image001.png@01D2FF12.DE00E320" width="180" height="18"
            border="0"></span></b></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><span
        style="font-size: 10pt; font-family: Arial, sans-serif;"> </span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><b><span
          style="font-size: 10pt; font-family: Arial, sans-serif;">T:</span></b><span
        style="font-size: 10pt; font-family: Arial, sans-serif;">  +44
        7881 943 382    </span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><b><span
          style="font-size: 10pt; font-family: Arial, sans-serif;">E:  </span></b><span
        style="font-size: 10pt; font-family: Arial, sans-serif;"><a
          href="mailto:mark.santall@openbanking.org.uk"
          title="mailto:mark.santall@openbanking.org.uk" target="_blank"
          style="color: rgb(17, 85, 204);"><span style="color:
            windowtext;">mark.santall@<span class="il">openbanking</span>.org.<wbr>uk</span></a></span></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><b><span
          style="font-size: 10pt; font-family: Arial, sans-serif;"> </span></b></p>
    <p style="color: rgb(51, 51, 51); font-style: normal;
      font-variant-ligatures: normal; font-variant-caps: normal;
      font-weight: 400; letter-spacing: normal; orphans: 2; text-align:
      start; text-indent: 0px; text-transform: none; white-space:
      normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width:
      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><b><span
          style="font-size: 10pt; font-family: Arial, sans-serif;">A:</span></b><span
        style="font-size: 10pt; font-family: Arial, sans-serif;">  2
        Thomas More Square, London E1W 1YN</span></p>
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      0px; background-color: rgb(255, 255, 255); text-decoration-style:
      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><b><span
          style="font-size: 10pt; font-family: Arial, sans-serif;">W</span></b><span
        style="font-size: 10pt; font-family: Arial, sans-serif;">: <a
href="https://eur01.safelinks.protection.outlook.com/?url=http%3A%2F%2Fwww.openbanking.org.uk&data=02%7C01%7Calain.martin%40gemalto.com%7C3963707254654f82689808d6f00df06c%7C37d0a9db7c464096bfe31add5b495d6d%7C0%7C0%7C636960339992168538&sdata=GvLa4dqLItdJyiSOL4%2BfMJb%2BGK1V9hr%2Fb12mP58JS00%3D&reserved=0"
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          style="color: rgb(17, 85, 204);"><span style="color:
            windowtext;">www.<span class="il">openbanking</span>.org.uk</span></a></span></p>
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      initial; text-decoration-color: initial; margin: 0cm 0cm 0.0001pt;
      font-size: 11pt; font-family: Calibri, sans-serif;"><span> </span></p>
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      0px; background-color: rgb(255, 255, 255); text-decoration-style:
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