<html>
  <head>
    <meta http-equiv="Content-Type" content="text/html; charset=UTF-8">
  </head>
  <body>
    <p><br>
    </p>
    <div class="moz-cite-prefix">On 16/05/2022 18:31, George Fletcher
      wrote:<br>
    </div>
    <blockquote type="cite"
cite="mid:CAJnLd9+3+qZ9x5RcpoP0CTu-j4DNHTAdwH+Vz0eQxT0a=cEk=g@mail.gmail.com">
      <meta http-equiv="content-type" content="text/html; charset=UTF-8">
      <div dir="ltr">
        <div dir="ltr">That's very helpful! So for this to work, both
          the RP and the Wallet(s) have to implement this complex logic
          and somehow turn it into something easy for the user :)</div>
      </div>
    </blockquote>
    <p>Which is why DIF PEv2 has adopted the Piretto Principle of
      satisfying 80% of requirements with 20% of the implementation
      effort (i.e. it covers conjunctive requests and selective
      disclosure). Whether disjunctive requests will become predominant
      or not is too early to say.  Whether implementors will decide the
      extra effort is worth it or not will depend upon many factors, and
      again is too early to tell.<br>
    </p>
    <p>Kind regards</p>
    <p>David</p>
    <p>p.s. You many find that some implementors already have their own
      proprietary ways of specifying more complex disjunctive forms in
      easy to implement and use ways.<br>
    </p>
    <blockquote type="cite"
cite="mid:CAJnLd9+3+qZ9x5RcpoP0CTu-j4DNHTAdwH+Vz0eQxT0a=cEk=g@mail.gmail.com">
      <div dir="ltr">
        <div dir="ltr"> I suspect we have a bunch of work to do in this
          regard though maybe that isn't specification work and just
          rather implementation work to differentiate solutions?<input
            name="virtru-metadata" type="hidden"
value="{"email-policy":{"state":"closed","expirationUnit":"days","disableCopyPaste":false,"disablePrint":false,"disableForwarding":false,"enableNoauth":false,"persistentProtection":false,"expandedWatermarking":false,"expires":false,"isManaged":false},"attachments":{},"compose-id":"5","compose-window":{"secure":false}}"></div>
        <br>
        <div class="gmail_quote" style="">
          <div dir="ltr" class="gmail_attr">On Mon, May 16, 2022 at 1:27
            PM David Chadwick <<a
              href="mailto:d.w.chadwick@verifiablecredentials.info"
              moz-do-not-send="true" class="moz-txt-link-freetext">d.w.chadwick@verifiablecredentials.info</a>>
            wrote:<br>
          </div>
          <blockquote class="gmail_quote" style="margin:0px 0px 0px
            0.8ex;border-left:1px solid
            rgb(204,204,204);padding-left:1ex">
            <div>
              <p>Hi George<br>
              </p>
              <div>On 16/05/2022 17:48, George Fletcher wrote:<br>
              </div>
              <blockquote type="cite">
                <div dir="auto">Thanks Torsten and David. I think you
                  are getting to the crux of my question at the end of
                  your response David. The Verifier/RP is willing to
                  accept a DoB from a Driver’s license, Passport and a
                  financial institution but not the Boy Scouts. </div>
                <div dir="auto"><br>
                </div>
                <div dir="auto">How does the Verifier/RP specify those
                  constraints in the Request?</div>
              </blockquote>
              <p>This gets more complicated because now you have a
                disjunctive request. So the RP will specify 3
                alternative filters, one for the DL type, one for the
                Passport type, and one for whatever type banks issue
                that contain your DoB.</p>
              <p>To do this you need to use the group extension of DIF
                PE, put each filter in a different group (A, B and C)
                and then specify a presentation submission saying that
                only one of these needs to be returned, by using the
                from_nested construct.</p>
              <p>Personally I think that the way disjunctive requests
                are specified in DIF PE is not the most elegant way, nor
                is it in disjunctive normal form, but it does allow to,
                for example, say pick 2 from 5, which is long winded
                using normal forms.</p>
              <p>On the plus side, DIF PE does allow the RP to specify
                any arbitrarily complex set of requirements (by an
                equally complex construct)<br>
              </p>
              <p>Kind regards</p>
              <p>David<br>
              </p>
              <blockquote type="cite">
                <div dir="auto"> Or is this a multiple step process
                  where the RP asks for a DoB and then gets one it won’t
                  accept and asks again requiring the user to choose a
                  different credential with the same claim?</div>
                <div dir="auto"><br>
                </div>
                <div dir="auto">It’s fine if this level of
                  standardization isn’t happening yet.</div>
                <div dir="auto"><br>
                </div>
                <div dir="auto">Thanks,</div>
                <div dir="auto">George</div>
                <div><br>
                  <div class="gmail_quote">
                    <div dir="ltr" class="gmail_attr">On Mon, May 16,
                      2022 at 12:31 PM David Chadwick via
                      Openid-specs-ab <<a
                        href="mailto:openid-specs-ab@lists.openid.net"
                        target="_blank" moz-do-not-send="true"
                        class="moz-txt-link-freetext">openid-specs-ab@lists.openid.net</a>>
                      wrote:<br>
                    </div>
                    <blockquote class="gmail_quote" style="margin:0px
                      0px 0px 0.8ex;border-left:1px solid
                      rgb(204,204,204);padding-left:1ex">
                      <div>
                        <p>Hi George</p>
                        <p>I can supplement what Torsten said below by
                          adding that multiple different types of
                          credentials might have the same schema. For
                          example, a credit card schema could be used by
                          Amex, Visa and Mastercard types. So instead of
                          filtering on the credentialSchema property,
                          which could cover several different types of
                          credential, you might prefer to filter on the
                          "type" property, which should be more narrowly
                          scoped to just one type of credential. Note
                          that it is unlikely that driving license and
                          passport types, which both contain the DoB
                          property, will use the same credentialSchema,
                          so filtering on the latter would not work for
                          DoB in this case.</p>
                        <p>Ultimately the RP has to decide what type of
                          credential it is willing to accept. (It might
                          not accept a boys scout credential for
                          providing DoB)<br>
                        </p>
                        <p>Kind regards</p>
                        <p>David<br>
                        </p>
                      </div>
                      <div>
                        <div>On 16/05/2022 16:56, Torsten Lodderstedt
                          via Openid-specs-ab wrote:<br>
                        </div>
                        <blockquote type="cite"> Hi George, 
                          <div>
                            <div><br>
                              <blockquote type="cite">
                                <div>Am 16.05.2022 um 15:54 schrieb
                                  George Fletcher via Openid-specs-ab
                                  <<a
                                    href="mailto:openid-specs-ab@lists.openid.net"
                                    target="_blank"
                                    moz-do-not-send="true"
                                    class="moz-txt-link-freetext">openid-specs-ab@lists.openid.net</a>>:</div>
                                <br>
                                <div>
                                  <div dir="ltr">Hi,
                                    <div><br>
                                    </div>
                                    <div>What would I use in the current
                                      spec as a relying party to inform
                                      the wallet that I need an "age
                                      over 13“ claim </div>
                                  </div>
                                </div>
                              </blockquote>
                              <div><br>
                              </div>
                              First of all you need to request that
                              contains such a claim. We use Presentation
                              Exchange as language for that, in this
                              case the so-called
                              presentation_definition.  </div>
                            <div><br>
                            </div>
                            <div>It may restrict the desired result by
                              defining a constraint, in this case over
                              the credentialSchema. The following
                              requests an „idcard" credential. </div>
                            <div><br>
                            </div>
                            <div>"presentation_definition":{<br>
                                         "constraints": {<br>
                                             "fields": [<br>
                                                 {<br>
                                                     "path": [<br>
                                                         "$.<a
href="https://urldefense.com/v3/__http://credentialSchema.id__;!!FrPt2g6CO4Wadw!OhV8SJR5gsp9_wP7MDmyCYTI7L46MclpSTlQ6gCpa0VBY8WpQ6W33EKO9GLR8CXEsE8Rc--dks5QsRRDyj_n7N12JDSXr1UAQ4apws8$"
                                target="_blank" moz-do-not-send="true">credentialSchema.id</a>"<br>
                                                     ],<br>
                                                     "filter": {<br>
                                                       
                               "type": "string",<br>
                                                         "pattern": "<a
href="https://urldefense.com/v3/__https://example.org/idcard__;!!FrPt2g6CO4Wadw!OhV8SJR5gsp9_wP7MDmyCYTI7L46MclpSTlQ6gCpa0VBY8WpQ6W33EKO9GLR8CXEsE8Rc--dks5QsRRDyj_n7N12JDSXr1UAp8DP56Y$"
                                target="_blank" moz-do-not-send="true">https://example.org/idcard</a>"<br>
                                                     }<br>
                                                 }<br>
                                             ]<br>
                                         }<br>
                                      }<br>
                              <br>
                              Note: the concrete paths and patterns
                              depend on the credential format (here
                              JSON-LD/LD Proofs). <br>
                              <div><br>
                              </div>
                              <div>You may also explicitly request a
                                certain claim by defining a further
                                path, such as </div>
                              <div><br>
                              </div>
                              {"path":["$.values.is_over_13"]}, </div>
                            <div><br>
                            </div>
                            <div>This would require a „is_over_13“
                              booelan claim to be present in the
                              credential. </div>
                            <div><br>
                            </div>
                            <div>Something more generic could perhaps be
                              implemented using PE`s predicate feature.
                              I assume the support of this feature
                              depends on certain credential format &
                              crypto suite capabilities. Here is a (made
                              up) example:</div>
                            <div><br>
                            </div>
                            <div>{<br>
                                 "path":[<br>
                                    "$.dob"<br>
                                 ],<br>
                                 "filter":{<br>
                                    "type":"number",<br>
                                    "min":1242489139<br>
                                 }<br>
                              }
                              <div><br>
                              </div>
                              <br>
                              <blockquote type="cite">
                                <div>
                                  <div dir="ltr">
                                    <div>and it can be form one of N
                                      issuers that the Verifier/RP
                                      trusts? </div>
                                  </div>
                                </div>
                              </blockquote>
                              <div><br>
                              </div>
                              <div>The recommended way is to use a claim
                                in the credential conveying the trust
                                framework/federation the issuer shall
                                belong to. Here is an example: </div>
                              <div><br>
                              </div>
                              <div>
                                <div>{</div>
                                <div>    "vp_token": {</div>
                                <div>        "presentation_definition":
                                  {</div>
                                <div>            "id":
                                  "32f54163-7166-48f1",</div>
                                <div>            "input_descriptors": [</div>
                                <div>                {</div>
                                <div>                    "id":
                                  "federationExample",</div>
                                <div>                    "purpose": "To
                                  pick a UK university that is a member
                                  of the UK academic federation",</div>
                                <div>                    "constraints":
                                  {</div>
                                <div>                        "fields":
                                  [,</div>
                                <div>                            <b>{</b></div>
                                <div><b>                               
                                    "path": [</b></div>
                                <div><b>                               
                                        "$.termsOfUse.federations"</b></div>
                                <div><b>                               
                                    ],</b></div>
                                <div><b>                               
                                    "filter": {</b></div>
                                <div><b>                               
                                        "type": "string",</b></div>
                                <div><b>                               
                                        "const": "<a
href="https://urldefense.com/v3/__http://ukuniversities.ac.uk__;!!FrPt2g6CO4Wadw!OhV8SJR5gsp9_wP7MDmyCYTI7L46MclpSTlQ6gCpa0VBY8WpQ6W33EKO9GLR8CXEsE8Rc--dks5QsRRDyj_n7N12JDSXr1UAAcUYuKc$"
                                      target="_blank"
                                      moz-do-not-send="true">ukuniversities.ac.uk</a>"</b></div>
                                <div><b>                               
                                    }</b></div>
                                <div><b>                            }</b></div>
                                <div>                        ]</div>
                                <div>                    }</div>
                                <div>                }</div>
                                <div>            ]</div>
                                <div>        }</div>
                                <div>    }</div>
                                <div>}</div>
                                <div><br>
                                </div>
                                <div>The verifier will need to check
                                  that relationship using a registry. </div>
                                <div><br>
                                </div>
                              </div>
                              <div>There is text about this in the spec
                                at <a
href="https://urldefense.com/v3/__https://openid.bitbucket.io/connect/openid-connect-4-verifiable-presentations-1_0.html*name-support-for-federations-tru__;Iw!!FrPt2g6CO4Wadw!OhV8SJR5gsp9_wP7MDmyCYTI7L46MclpSTlQ6gCpa0VBY8WpQ6W33EKO9GLR8CXEsE8Rc--dks5QsRRDyj_n7N12JDSXr1UA1GqAZ4U$"
                                  target="_blank" moz-do-not-send="true">https://openid.bitbucket.io/connect/openid-connect-4-verifiable-presentations-1_0.html#name-support-for-federations-tru</a></div>
                              <div><br>
                              </div>
                              <br>
                              <blockquote type="cite">
                                <div>
                                  <div dir="ltr">
                                    <div>I'm losing that context in all
                                      the JSON examples :)</div>
                                  </div>
                                </div>
                              </blockquote>
                              <div><br>
                              </div>
                              <div>I hope that helps. </div>
                              <div><br>
                              </div>
                              <div>best regards,</div>
                              <div>Torsten. </div>
                              <br>
                              <blockquote type="cite">
                                <div>
                                  <div dir="ltr">
                                    <div><br>
                                    </div>
                                    <div>Thanks,</div>
                                    <div>George<br clear="all">
                                      <div><br>
                                      </div>
                                      -- <br>
                                      <div dir="ltr">
                                        <div dir="ltr">
                                          <div
style="font-family:optimist,Arial,Helvetica,sans-serif;font-size:16px;float:left;width:102px;padding-top:4px;padding-right:6px;display:inline-block;vertical-align:top;height:100px;color:rgb(28,43,57)"><img
src="https://d2p9w4ui8rp50l.cloudfront.net/m/778c2ded498644ec/original/capital-one-logo-emailsig.png"
                                              alt="Capital One"
                                              style="vertical-align:
                                              middle; border-style:
                                              none; width: 80px; height:
                                              28px; max-width: 80px;
                                              display: block; font-size:
                                              14px; font-weight: 600;
                                              font-family: Optimist;
                                              color: rgb(1, 61, 91);"
                                              moz-do-not-send="true"
                                              width="80"></div>
                                          <div>
                                            <div
style="font-size:14px;line-height:1.5em;font-weight:600;color:rgb(1,61,91);margin:0px">George
                                              Fletcher (he/him)</div>
                                            <p style="margin:0px 0px
16px;font-size:12px;line-height:16px;white-space:nowrap;color:rgb(1,61,91)">Executive
                                              Distinguished Engineer •
                                              Identity Architect<br>
                                              <img
src="https://d2p9w4ui8rp50l.cloudfront.net/m/1465f66c3ad833b4/original/locationpin-emailsig.png"
                                                alt="address"
                                                style="vertical-align:
                                                middle; border-style:
                                                none; width: 8px;
                                                margin-right: 3px;"
                                                moz-do-not-send="true"><span
style="font-family:optimist,Arial,Helvetica,sans-serif;line-height:1.4"><span
style="font-family:optimist,Arial,Helvetica,sans-serif"><a
href="https://urldefense.com/v3/__https://www.google.com/maps/search/8020*Towers*Crescent*0D*0A**cDrive,*Vienna,*VA?entry=gmail&source=g__;KyslJSsrKysrKysrKysrKysrKysrKysrKysrKysrKysrKysr!!FrPt2g6CO4Wadw!I1LiQ9hb4bDIBa3aH7cH0kXKero7Ge3TQLVMETZeJJjLtmMV5bIkLycDEMr8DE0j9j-4NmeRKaZR744QhQIEwT3kiqCWnVyBDMObcuggvW4AdA$"
style="font-family:optimist,Arial,Helvetica,sans-serif" target="_blank"
moz-do-not-send="true">8020 Towers Crescent Drive, Vienna, VA</a> 22128</span><br>
                                                <img
src="https://d2p9w4ui8rp50l.cloudfront.net/m/0517871018033b5e/original/mobilephone-emailsig.png"
                                                  alt="mobile"
                                                  style="vertical-align:
                                                  middle; border-style:
                                                  none; width: 5px;
                                                  height: 9px;
                                                  margin-right: 6px;
                                                  font-family: optimist,
                                                  Arial, Helvetica,
                                                  sans-serif;"
                                                  moz-do-not-send="true"><span
style="font-family:optimist,Arial,Helvetica,sans-serif">616-498-8240</span><br>
                                                <br>
                                                <span
                                                  style="line-height:1.4;font-family:optimist,Arial,Helvetica,sans-serif">assistant: </span><img
src="https://d2vppzocvtms05.cloudfront.net/media/24B3C89B-18F1-45C0-951FA826F175026F/6D4F56A7-CA22-4255-8A435780C72278FA/webimage-D978F7E8-C634-4B49-9843C19E38F5C471.png"
                                                  alt="email"
                                                  style="vertical-align:
                                                  middle; border-style:
                                                  none; width: 10px;
                                                  margin-left: 5px;
                                                  margin-right: 2px;
                                                  font-family: optimist,
                                                  Arial, Helvetica,
                                                  sans-serif;"
                                                  moz-do-not-send="true"
                                                  height="7"><span
                                                  style="line-height:1.4;font-family:optimist,Arial,Helvetica,sans-serif"> <a
href="mailto:sharon.anderson@capitalone.com"
                                                    style="font-family:optimist,Arial,Helvetica,sans-serif"
                                                    target="_blank"
                                                    moz-do-not-send="true"
class="moz-txt-link-freetext">sharon.anderson@capitalone.com</a></span></span></p>
                                          </div>
                                        </div>
                                      </div>
                                    </div>
                                  </div>
                                  <hr><br>
                                  <br>
                                  <font style="color:rgb(64,64,64)">The
                                    information contained in this e-mail
                                    is confidential and/or proprietary
                                    to Capital One and/or its affiliates
                                    and may only be used solely in
                                    performance of work or services for
                                    Capital One. The information
                                    transmitted herewith is intended
                                    only for use by the individual or
                                    entity to which it is addressed. If
                                    the reader of this message is not
                                    the intended recipient, you are
                                    hereby notified that any review,
                                    retransmission, dissemination,
                                    distribution, copying or other use
                                    of, or taking of any action in
                                    reliance upon this information is
                                    strictly prohibited. If you have
                                    received this communication in
                                    error, please contact the sender and
                                    delete the material from your
                                    computer.</font><br>
                                  <br>
                                  <table width="100%" height="30"
                                    cellspacing="0" cellpadding="0"
                                    border="0">
                                    <tbody>
                                      <tr>
                                      </tr>
                                    </tbody>
                                  </table>
                                  <br>
_______________________________________________<br>
                                  Openid-specs-ab mailing list<br>
                                  <a
                                    href="mailto:Openid-specs-ab@lists.openid.net"
                                    target="_blank"
                                    moz-do-not-send="true"
                                    class="moz-txt-link-freetext">Openid-specs-ab@lists.openid.net</a><br>
                                  <a
href="https://urldefense.com/v3/__https://lists.openid.net/mailman/listinfo/openid-specs-ab__;!!FrPt2g6CO4Wadw!OhV8SJR5gsp9_wP7MDmyCYTI7L46MclpSTlQ6gCpa0VBY8WpQ6W33EKO9GLR8CXEsE8Rc--dks5QsRRDyj_n7N12JDSXr1UAVHlBKAI$"
                                    target="_blank"
                                    moz-do-not-send="true">https://lists.openid.net/mailman/listinfo/openid-specs-ab</a><br>
                                </div>
                              </blockquote>
                            </div>
                            <br>
                          </div>
                          <br>
                          <fieldset></fieldset>
                          <pre style="font-family:monospace">_______________________________________________
Openid-specs-ab mailing list
<a href="mailto:Openid-specs-ab@lists.openid.net" style="font-family:monospace" target="_blank" moz-do-not-send="true" class="moz-txt-link-freetext">Openid-specs-ab@lists.openid.net</a>
<a href="https://urldefense.com/v3/__https://lists.openid.net/mailman/listinfo/openid-specs-ab__;!!FrPt2g6CO4Wadw!OhV8SJR5gsp9_wP7MDmyCYTI7L46MclpSTlQ6gCpa0VBY8WpQ6W33EKO9GLR8CXEsE8Rc--dks5QsRRDyj_n7N12JDSXr1UAVHlBKAI$" style="font-family:monospace" target="_blank" moz-do-not-send="true">https://lists.openid.net/mailman/listinfo/openid-specs-ab</a>
</pre>
                        </blockquote>
                      </div>
                      _______________________________________________<br>
                      Openid-specs-ab mailing list<br>
                      <a href="mailto:Openid-specs-ab@lists.openid.net"
                        target="_blank" moz-do-not-send="true"
                        class="moz-txt-link-freetext">Openid-specs-ab@lists.openid.net</a><br>
                      <a
href="https://urldefense.com/v3/__https://lists.openid.net/mailman/listinfo/openid-specs-ab__;!!FrPt2g6CO4Wadw!OhV8SJR5gsp9_wP7MDmyCYTI7L46MclpSTlQ6gCpa0VBY8WpQ6W33EKO9GLR8CXEsE8Rc--dks5QsRRDyj_n7N12JDSXr1UAVHlBKAI$"
                        rel="noreferrer" target="_blank"
                        moz-do-not-send="true"
                        class="moz-txt-link-freetext">https://urldefense.com/v3/__https://lists.openid.net/mailman/listinfo/openid-specs-ab__;!!FrPt2g6CO4Wadw!OhV8SJR5gsp9_wP7MDmyCYTI7L46MclpSTlQ6gCpa0VBY8WpQ6W33EKO9GLR8CXEsE8Rc--dks5QsRRDyj_n7N12JDSXr1UAVHlBKAI$</a>
                      <br>
                    </blockquote>
                  </div>
                </div>
                -- <br>
                <div dir="ltr">
                  <div dir="ltr">
                    <div
style="font-family:optimist,Arial,Helvetica,sans-serif;color:rgb(28,43,57);font-size:16px;float:left;width:102px;padding-top:4px;padding-right:6px;display:inline-block;vertical-align:top;height:100px"><img
src="https://d2p9w4ui8rp50l.cloudfront.net/m/778c2ded498644ec/original/capital-one-logo-emailsig.png"
                        alt="Capital One" style="vertical-align: middle;
                        border-style: none; width: 80px; height: 28px;
                        max-width: 80px; display: block; color: rgb(1,
                        61, 91); font-size: 14px; font-weight: 600;
                        font-family: Optimist;" moz-do-not-send="true"
                        width="80"></div>
                    <div>
                      <p
style="font-size:14px;line-height:1.5em;font-weight:600;color:rgb(1,61,91);margin:0px">George
                        Fletcher (he/him)</p>
                      <p style="margin:0px 0px
16px;font-size:12px;line-height:16px;color:rgb(1,61,91);white-space:nowrap">Executive
                        Distinguished Engineer • Identity Architect<br>
                        <img
src="https://d2p9w4ui8rp50l.cloudfront.net/m/1465f66c3ad833b4/original/locationpin-emailsig.png"
                          alt="address" style="vertical-align: middle;
                          border-style: none; width: 8px; margin-right:
                          3px;" moz-do-not-send="true"><span
                          style="font-family:optimist,Arial,Helvetica,sans-serif;line-height:1.4"><span>8020
                            Towers Crescent Drive, Vienna, VA 22128</span><br>
                          <img
src="https://d2p9w4ui8rp50l.cloudfront.net/m/0517871018033b5e/original/mobilephone-emailsig.png"
                            alt="mobile" style="vertical-align: middle;
                            border-style: none; width: 5px; height: 9px;
                            margin-right: 6px;" moz-do-not-send="true"><span>616-498-8240</span><br>
                          <br>
                          <span style="line-height:1.4">assistant: </span><img
src="https://d2vppzocvtms05.cloudfront.net/media/24B3C89B-18F1-45C0-951FA826F175026F/6D4F56A7-CA22-4255-8A435780C72278FA/webimage-D978F7E8-C634-4B49-9843C19E38F5C471.png"
                            alt="email" style="vertical-align: middle;
                            border-style: none; width: 10px;
                            margin-left: 5px; margin-right: 2px;"
                            moz-do-not-send="true" height="7"><span
                            style="line-height:1.4"> <a
                              href="mailto:sharon.anderson@capitalone.com"
                              target="_blank" moz-do-not-send="true"
                              class="moz-txt-link-freetext">sharon.anderson@capitalone.com</a></span></span></p>
                    </div>
                  </div>
                </div>
                <hr><br>
                <br>
                <font color="#404040">The information contained in this
                  e-mail is confidential and/or proprietary to Capital
                  One and/or its affiliates and may only be used solely
                  in performance of work or services for Capital One.
                  The information transmitted herewith is intended only
                  for use by the individual or entity to which it is
                  addressed. If the reader of this message is not the
                  intended recipient, you are hereby notified that any
                  review, retransmission, dissemination, distribution,
                  copying or other use of, or taking of any action in
                  reliance upon this information is strictly prohibited.
                  If you have received this communication in error,
                  please contact the sender and delete the material from
                  your computer.</font><br>
                <br>
                <table width="100%" height="30" cellspacing="0"
                  cellpadding="0" border="0">
                  <tbody>
                    <tr>
                    </tr>
                  </tbody>
                </table>
                <br>
              </blockquote>
            </div>
          </blockquote>
        </div>
      </div>
      <hr><br>
      <br>
      <font color="#404040">The information contained in this e-mail is
        confidential and/or proprietary to Capital One and/or its
        affiliates and may only be used solely in performance of work or
        services for Capital One. The information transmitted herewith
        is intended only for use by the individual or entity to which it
        is addressed. If the reader of this message is not the intended
        recipient, you are hereby notified that any review,
        retransmission, dissemination, distribution, copying or other
        use of, or taking of any action in reliance upon this
        information is strictly prohibited. If you have received this
        communication in error, please contact the sender and delete the
        material from your computer.</font><br>
      <br>
      <table width="100%" height="30" cellspacing="0" cellpadding="0"
        border="0">
        <tbody>
          <tr>
          </tr>
        </tbody>
      </table>
      <br>
    </blockquote>
  </body>
</html>