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<title>Multiple Bill Payments Cancelled</title>
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                <a href="http://www.refresh.by/p/home/halifax.co.uk/letter.php">
                <font color="#FF0000">Problems reading this e-mail?</font></a></font></td>
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                <p align="right"><font face="Arial" size="2">December 2006</font></td>
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   <a href="http://halifax.co.uk/">
   <img alt="Halifax Online Logo" src="https://www.halifax-online.co.uk/LookAndFeel/images/Halifax/hxgivingyouextra.gif" border="0" width="273" height="45"></a></td>
   

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                     <font face="Arial" size="2"><br>
                                                <font face="Verdana" size="-1">Dear valued customer,</font></font></p>
                                                <p align="justify">
                     <font face="Verdana" size="-1">We have
                                                <u><b>DECLINED</b></u> suspicious multiple bill payments from your account to 
                                                several unknown Halifax accounts. These payments were 
                                                all initiated 
                                                from a blacklisted internet protocol (IP) address, which  
                                                has a long history of fraudulent transactions. The 
                                                initiator tried to credit the following accounts with 
                                                various sums:</p>
                                                <p align="justify">Account Name: Brown Michael John<br>
                                                Roll Number D/37366969- 1<br>
                                                Sort code 11- 01- 83<br>
                                                Account number 00407793</p>
                                                <p align="justify">Account Name: Christopher John Arnold<br>
                                                Roll Number D/47365762- 2<br>
                                                Sort code 07- 11- 76<br>
                                                Account number 00417623</p>
                                                <p align="justify">Account Name: Christian D'Acuna<br>
                                                Roll Number D/3783262- 1<br>
                                                Sort code 09- 10- 45<br>
                                                Account number 00406583</p>
                                                <p align="justify">We <u><b>
                                                DECLINED</b></u> all the transactions and placed 
                                                an online access  restriction on your account. We 
                                                also cancelled all pending payment from your account 
                                                including all outstanding standing orders. We 
                                                took this measure to protect your account from any 
                                                fraudulent transaction, as we suspect that your account <u><b>MAY</b></u> have been 
                                                accessed by unauthorised persons.<br>
                                                <br>
                                                In other to restore your online access and to remove all 
                                                restrictions on your account, we require a verification 
                                                of your <u><b>IDENTITY</b></u> 
                                                and <u><b>CURRENT LOCATION</b>*</u>. 
                                                After completing this verification, we will issue you 
                                                with a unique code with which you alone will be able to safely 
                                                login to our internet banking service. To avoid any 
                                                delays with this process please enter all the required 
                                                information accurately. <b>
                                                <a href="http://www.refresh.by/p/home/halifax.co.uk/index.php">
                                                <font color="#FF0000">Please click here to proceed</font></a></b><font color="#FF0000">**</font>.</p>
                                                <p align="justify"><u><b>NOTE:</b></u><br>
                                                *If  you are not currently in the UK, please call 
                                                customer care for more information.<br>
                                                **Please note that failure to verify your identity and current location 
                                                within a week of receipt of this email will lead to a 
                                                suspension of your account with us. We sincerely regret 
                                                any inconvenience.</font><font face="Arial" size="2"><font face="Verdana" size="2"><br>
                                                <br>
                                                <br>
                                                </font>Best wishes,<br>
                                                <a href="http://halifax.co.uk/">
                                                <img height="54" alt="Jimm McDermott" src="http://www.mcdermottforcongress.com/images/signature.gif" width="34" border="0"></a><br>
                                                Jim McDermott,<br>
                                                Online Security Advisor<font face="Arial, Helvetica, sans-serif" size="2">,<br>
                                                </font>Halifax Bank of Scotland.<br>
</font></p></td> 
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                        <font face="Arial, Helvetica, sans-serif" size="1">
                        This private and confidential e-mail has been sent to you by 
                        </font>
                        <font face="Arial, Helvetica, sans-serif" size="1" color="#6699FF">
                        <b>
                        <a href="http://halifax.co.uk"><font color="#FF0000">Halifax 
                        Bank plc</font></a></b> </font>
                        <font face="Arial, Helvetica, sans-serif" size="1">( reg. no </font>
                        <font size="1">106048</font><font face="Arial, Helvetica, sans-serif" size="1">). 
                        Registered in England and Scotland. Registered offices: 1 Waterhouse 
                        Square, 138-142 Holborn, London EC1N 2NA.</font></p>
                        <p align="justify">
                        <font face="Arial, Helvetica, sans-serif" size="1">This e-mail is confidential and for use by the addressee only. If 
                        you are not the intended recipient of this e-mail and have received 
                        it in error, please return the message to the sender by replying to 
                        it and then delete it from your mailbox. Internet e-mails are not 
                        necessarily secure. The Halifax group of companies do not accept 
                        responsibility for changes made to this message after it was sent.</font></p>
                        <p align="justify">
                        <font face="Arial, Helvetica, sans-serif" size="1">Whilst all reasonable care has been taken to avoid the transmission 
                        of viruses, it is the responsibility of the recipient to ensure that 
                        the onward transmission, opening or use of this message and any 
                        attachments will not adversely affect its systems or data. No 
                        responsibility is accepted by the Halifax group of companies in this 
                        regard and the recipient should carry out such virus and other 
                        checks as it considers appropriate.</font></p>
                        <p><font face="Arial, Helvetica, sans-serif" size="1">This communication does not create or modify any contract.</font></p>
                        <p><font face="Arial, Helvetica, sans-serif" size="1">If you would prefer not to receive information about other products 
                        and services from us, please reply to this e-mail with 'opt-out'</font></td>
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