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Content-Type: multipart/mixed; boundary="===============0703738885=="
MIME-Version: 1.0
To: Recipients <info@mossphotos.net>
From: Standard Bank <info@mossphotos.net>
Date: Mon, 03 Feb 2025 18:50:05 +0200
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 root\@localhost for details.
 Content preview:  Dear Customer, We're happy to be your chosen partner on your
    financial journey to making your dreams possible. As a valued client, we
   would like to inform you about an important update to our Terms a [...] 
 Content analysis details:   (11.2 points, 5.0 required)
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                             See
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                              for more information.
                             [URI: standardbank.com]
                             [URI: standardbank.co.za]
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                        [107.175.218.212 listed in sa-trusted.bondedsender.org]
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                             [107.175.218.212 listed in sa-accredit.habeas.com]
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                           [107.175.218.212 listed in bl.score.senderscore.com]
  0.0 HTML_EXTRA_CLOSE       BODY: HTML contains far too many close tags
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  0.1 HTML_TAG_BALANCE_BODY  BODY: HTML has unbalanced "body" tags
  0.0 HTML_MESSAGE           BODY: HTML included in message
  0.5 KAM_REALLYHUGEIMGSRC   RAW: Spam with image tags with ridiculously huge
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  3.5 PHISH_ATTACH           Attachment filename suspicious, probable phishing
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  0.0 FSL_BULK_SIG           Bulk signature with no Unsubscribe
X-Spam-Flag: YES
Subject:  ***SPAM***  Important Changes to Terms and Conditions

You will not see this in a MIME-aware mail reader.
--===============0703738885==
Content-Type: multipart/alternative; boundary="===============0170903245=="
MIME-Version: 1.0

--===============0170903245==
Content-Type: text/plain; charset="iso-8859-1"
MIME-Version: 1.0
Content-Transfer-Encoding: quoted-printable
Content-Description: Mail message body

 =


    =

   =

   =

   =

  	  Dear Customer,
 We're happy to be your chosen partner on your financial journey to making =
your dreams possible.
 As a valued client, we would like to inform you about an important update =
to our Terms and Conditions which can be viewed through the attached docume=
nt below.
 To make things easier for you, we have summarised the main updates for you=
 below:
	 =

 =

   =

 =

   	 	 =

 =

   =

  	 General Terms and Conditions - for all products?	 =

  =

 =

   	  =

   	 	 =

  Clause 10: now indicates how you will be contacted for information we may=
 require from you at the start of or during your relationship with us.
  =

 =

   =

 =

   	 	 =

  Clause 18: has been updated with the new ombuds contact details.
  =

 =

   =

 =

   	 	 =

  Clause 14.3: has been added to notify you of the reallocation of closed a=
ccount numbers.
  =

 =

   =

 =

   =

 =

   	 	 =

 =

   =

  	 Product Terms and Conditions changes - for all products	 =

  =

 =

   	  =

   	 	 =

  A new clause that covers the Corporation for Deposit Insurance (CODI) has=
 been added to all product Terms and Conditions.
  =

 =

   =

 =

   	 	 =

  The Early Redemption clause for Notice Deposit, Fixed Deposit and Flexi A=
dvantage has been amended.
  =

 =

   =

 =

   	 	 =

 =

   =

  	  For more information,  Please download attached   document.
 Thank you again for your partnering with us on your financial journey.
 Kind regards
The Standard Bank Team
*Terms and conditions apply.

	 =

 =

   The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). Aut=
horised financial services and registered credit provider (NCRCP15).

Copyright Standard Bank Group Limited. All rights reserved.

Standard Bank email disclaimer and confidentiality note:

This email, its attachments and any rights attaching hereto are, unless the=
 context clearly indicates otherwise, the property of the Standard Bank Gro=
up Limited and/or its subsidiaries ("the group"), and are confidential, pri=
vate and intended for the addressee only. The group treats all personal inf=
ormation as private and confidential in line with its privacy statement. Fo=
r more information on the group's privacy statement visit https://www.stand=
ardbank.co.za/southafrica/personal/about-us/ legal/privacy-statement/

Should you not be the addressee and receive this email by mistake, kindly n=
otify the sender and delete it immediately. Do not disclose or use the emai=
l in any manner whatsoever.

Views and opinions expressed in this email are those of the sender unless c=
learly stated as those of the Group.

The Group accepts no liability whatsoever for any loss or damages howsoever=
 incurred or suffered as a result of or arising from the use of this email =
or its attachments. The group does not warrant the integrity of this email =
nor does it warrant that it is free of errors, viruses, interception or int=
erference.

The Group expressly excludes and contracts outside of sections 11, 12 and 1=
3 of the Electronic Communications and Transactions Act 25 of 2002 in so fa=
r as these provide for and relate to electronic contracting, and no data me=
ssage or electronic communication from the Group will be recognised under a=
ny circumstances as having any legal contractual status as provided for und=
er the aforementioned provisions, unless the Group expressly states so.

Standard Bank will never send you an SMS, an email or any other communicati=
on asking you to update or provide confidential information about you or yo=
ur account. We will also not send you links that take you to a site where y=
ou are required to capture your personal banking information and we will NE=
VER ask you to share your OTPs or passwords. If you have any doubts about t=
he legitimacy of this email or other emails you receive claiming to be from=
 Standard Bank, please report it to the bank by creating a new email with t=
he suspicious email as an attachment and send it to phishing@standardbank.c=
o.za. Delete the suspicious email immediately afterwards.

 For more information about Standard Bank Group Limited see  www.standardba=
nk.com

 Should you wish to unsubscribe, please click  here.

 GMS-26056 9/24
--===============0170903245==
Content-Type: text/html; charset="iso-8859-1"
MIME-Version: 1.0
Content-Transfer-Encoding: quoted-printable
Content-Description: Mail message body

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<meta http-equiv=3D"Content-Type" content=3D"text/html; charset=3Diso-8859-=
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<title>Payment Notification</title>
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}
</style>
</head>

<body><p>
			<br></p><div class=3D"v1v1rightcol">

				<div id=3D"v1v1message-objects">

</div>
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<tbody>
<tr>
<td colspan=3D"3"><img width=3D"640" height=3D"300" style=3D"width: 640px; =
display: block;" src=3D"https://ci3.googleusercontent.com/meips/ADKq_NZ8WlT=
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<td width=3D"600" style=3D'color: rgb(71, 88, 111); line-height: 18px; font=
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<p style=3D"font-size: 15px; font-weight: bold;">Dear Customer,</p>
<p>We're happy to be your chosen partner on your financial journey to makin=
g your dreams possible.</p>
<p>As a valued client, we would like to inform you about an important =

update to our Terms and Conditions which can be viewed through the =

attached document below.</p>
<p>To make things easier for you, we have summarised the main updates for y=
ou below:</p></td>
<td style=3D"padding: 0px; width: 20px;" bgcolor=3D"#ffffff"></td></tr></tb=
ody></table>
<table width=3D"640" bgcolor=3D"#ffffff" cellspacing=3D"0" cellpadding=3D"0=
">
<tbody>
<tr>
<td height=3D"10"></td></tr></tbody></table>
<table width=3D"640" bgcolor=3D"#ffffff" cellspacing=3D"0" cellpadding=3D"0=
">
<tbody>
<tr>
<td width=3D"20"></td>
<td width=3D"600" height=3D"5" bgcolor=3D"#0032a0"></td>
<td width=3D"20"></td></tr></tbody></table>
<table width=3D"640" bgcolor=3D"#ffffff" cellspacing=3D"0">
<tbody>
<tr>
<td height=3D"20"></td></tr>
<tr>
<td width=3D"20" bgcolor=3D"#ffffff"></td>
<td width=3D"600" style=3D'color: rgb(0, 0, 140); line-height: 18px; font-f=
amily: arial , "myriad pro"; font-size: 17px;' bgcolor=3D"#ffffff">General =
Terms and Conditions - for all products?</td>
<td style=3D"width: 20px;" bgcolor=3D"#ffffff"></td></tr>
<tr>
<td height=3D"20"></td></tr></tbody></table>
<table bgcolor=3D"#ffffff">
<tbody>
<tr>
<td width=3D"20" bgcolor=3D"#ffffff"></td>
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amily: arial , "myriad pro"; font-size: 17px;'>
<table width=3D"600" style=3D"border-collapse: collapse;" border=3D"0">
<tbody>
<tr>
<td width=3D"40" style=3D"vertical-align: top;" rowspan=3D"3"><img width=3D=
"40" height=3D"40" style=3D"display: block;" src=3D"https://ci3.googleuserc=
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ic_file/Campaigns/Studio/online2024/GMS-26056/icn_mail.png" border=3D"0"></=
td>
<td width=3D"20" rowspan=3D"3"></td>
<td></td></tr>
<tr>
<td width=3D"520" style=3D"color: rgb(71, 88, 111); line-height: 18px; font=
-size: 13px;"><strong>Clause 10:</strong>&nbsp;now
 indicates how you will be contacted for information we may require from
 you at the start of or during your relationship with us.</td></tr>
<tr>
<td></td></tr></tbody></table>
<table width=3D"600" style=3D"border-collapse: collapse;" border=3D"0">
<tbody>
<tr>
<td height=3D"10"></td></tr></tbody></table>
<table width=3D"600" style=3D"border-collapse: collapse;" border=3D"0">
<tbody>
<tr>
<td width=3D"40" style=3D"vertical-align: top;" rowspan=3D"3"><img width=3D=
"40" height=3D"40" style=3D"display: block;" src=3D"https://ci3.googleuserc=
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tic_file/Campaigns/Studio/online2024/GMS-26056/icn_phone.png" border=3D"0">=
</td>
<td width=3D"20" rowspan=3D"3"></td>
<td></td></tr>
<tr>
<td width=3D"520" style=3D"color: rgb(71, 88, 111); line-height: 18px; font=
-size: 13px;"><strong>Clause 18:</strong>&nbsp;has been updated with the ne=
w ombuds contact details.</td></tr>
<tr>
<td></td></tr></tbody></table>
<table width=3D"600" style=3D"border-collapse: collapse;" border=3D"0">
<tbody>
<tr>
<td height=3D"10"></td></tr></tbody></table>
<table width=3D"600" style=3D"border-collapse: collapse;" border=3D"0">
<tbody>
<tr>
<td width=3D"40" style=3D"vertical-align: top;" rowspan=3D"3"><img width=3D=
"40" height=3D"40" style=3D"display: block;" src=3D"https://ci3.googleuserc=
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0"></td>
<td width=3D"20" rowspan=3D"3"></td>
<td></td></tr>
<tr>
<td width=3D"520" style=3D"color: rgb(71, 88, 111); line-height: 18px; font=
-size: 13px;"><strong>Clause 14.3:</strong>&nbsp;has been added to notify y=
ou of the reallocation of closed account numbers.</td></tr>
<tr>
<td></td></tr></tbody></table>
<table width=3D"600" style=3D"border-collapse: collapse;" border=3D"0">
<tbody>
<tr>
<td height=3D"10"></td></tr></tbody></table></td></tr></tbody></table>
<table width=3D"640" bgcolor=3D"#ffffff" cellspacing=3D"0" cellpadding=3D"0=
">
<tbody>
<tr>
<td height=3D"10"></td></tr></tbody></table>
<table width=3D"640" bgcolor=3D"#ffffff" cellspacing=3D"0" cellpadding=3D"0=
">
<tbody>
<tr>
<td width=3D"20"></td>
<td width=3D"600" height=3D"1" bgcolor=3D"#d9dada"></td>
<td width=3D"20"></td></tr></tbody></table>
<table width=3D"640" bgcolor=3D"#ffffff" cellspacing=3D"0">
<tbody>
<tr>
<td height=3D"20"></td></tr>
<tr>
<td width=3D"20" bgcolor=3D"#ffffff"></td>
<td width=3D"600" style=3D'color: rgb(0, 0, 140); line-height: 18px; font-f=
amily: arial , "myriad pro"; font-size: 17px;' bgcolor=3D"#ffffff">Product =
Terms and Conditions changes - for all products</td>
<td style=3D"width: 20px;" bgcolor=3D"#ffffff"></td></tr>
<tr>
<td height=3D"20"></td></tr></tbody></table>
<table bgcolor=3D"#ffffff">
<tbody>
<tr>
<td width=3D"20" bgcolor=3D"#ffffff"></td>
<td width=3D"600" style=3D'color: rgb(0, 0, 140); line-height: 20px; font-f=
amily: arial , "myriad pro"; font-size: 17px;'>
<table width=3D"600" style=3D"border-collapse: collapse;" border=3D"0">
<tbody>
<tr>
<td width=3D"40" style=3D"vertical-align: top;" rowspan=3D"3"><img width=3D=
"40" height=3D"40" style=3D"display: block;" src=3D"https://ci3.googleuserc=
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=3D"0"></td>
<td width=3D"20" rowspan=3D"3"></td>
<td></td></tr>
<tr>
<td width=3D"520" style=3D"color: rgb(71, 88, 111); line-height: 18px; font=
-size: 13px;">A new clause that covers the&nbsp;<strong>Corporation for Dep=
osit Insurance (CODI)</strong>&nbsp;has been added to all product Terms and=
 Conditions.</td></tr>
<tr>
<td></td></tr></tbody></table>
<table width=3D"600" style=3D"border-collapse: collapse;" border=3D"0">
<tbody>
<tr>
<td height=3D"10"></td></tr></tbody></table>
<table width=3D"600" style=3D"border-collapse: collapse;" border=3D"0">
<tbody>
<tr>
<td width=3D"40" style=3D"vertical-align: top;" rowspan=3D"3"><img width=3D=
"40" height=3D"40" style=3D"display: block;" src=3D"https://ci3.googleuserc=
ontent.com/meips/ADKq_NYRdTQAVH7rgidffhMg5sTV2AiEcIJxc7Ffg8QVyxgJBwU9pjmzmL=
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lIh1_ZgZ8F0TuocOb9F5M8x99W4Zs7XsA=3Ds0-d-e1-ft#https://www.standardbank.co.=
za/static_file/Campaigns/Studio/online2024/GMS-26056/icn_hourglass.png" bor=
der=3D"0"></td>
<td width=3D"20" rowspan=3D"3"></td>
<td></td></tr>
<tr>
<td width=3D"520" style=3D"color: rgb(71, 88, 111); line-height: 18px; font=
-size: 13px;">The Early Redemption clause for Notice Deposit, Fixed Deposit=
 and Flexi Advantage has been amended.</td></tr>
<tr>
<td></td></tr></tbody></table>
<table width=3D"600" style=3D"border-collapse: collapse;" border=3D"0">
<tbody>
<tr>
<td height=3D"10"></td></tr></tbody></table></td></tr></tbody></table>
<table width=3D"640" bgcolor=3D"#ffffff" cellspacing=3D"0" cellpadding=3D"0=
">
<tbody>
<tr>
<td width=3D"20"></td>
<td width=3D"600" height=3D"5" bgcolor=3D"#0032a0"></td>
<td width=3D"20"></td></tr></tbody></table>
<table width=3D"640" bgcolor=3D"#ffffff" cellspacing=3D"0" cellpadding=3D"0=
">
<tbody>
<tr>
<td height=3D"20"></td></tr>
<tr>
<td width=3D"20" bgcolor=3D"#ffffff"></td>
<td width=3D"600" style=3D'line-height: 18px; font-family: arial , "myriad =
pro";' bgcolor=3D"#ffffff">
<p><font color=3D"#47586f"><span style=3D"font-size: 13px;">For more inform=
ation,&nbsp; </span></font><span style=3D'border-color: rgb(221, 221, 221);=
 color: rgb(51, 51, 51); font-family: "arial narrow" , sans-serif; font-siz=
e: small; box-sizing: border-box;'>Please&nbsp;</span><span style=3D'border=
-color: rgb(221, 221, 221); color: rgb(1, 22, 77); font-family: "arial narr=
ow" , sans-serif; font-size: 10px; font-weight: bolder; box-sizing: border-=
box;'><font size=3D"3">download attached</font></span>
<span style=3D'border-color: rgb(221, 221, 221); color: rgb(1, 22, 77); fon=
t-family: "arial narrow" , sans-serif; font-size: 10px; box-sizing: border-=
box;'>&nbsp;</span><span style=3D'border-color: rgb(221, 221, 221); font-fa=
mily: "arial narrow" , sans-serif; font-weight: bolder; box-sizing: border-=
box;'><font color=3D"#333333" size=3D"2"><span style=3D"border-color: rgb(2=
21, 221, 221); box-sizing: border-box;"></span></font>
<span style=3D"border-width: 0px; border-color: rgb(221, 221, 221); margin:=
 0px; padding: 0px; vertical-align: baseline; box-sizing: border-box;"><fon=
t color=3D"#333333" size=3D"2">document</font></span></span><font color=3D"=
#47586f"><span style=3D"font-size: 13px;">.</span></font></p>
<p style=3D"color: rgb(71, 88, 111); font-size: 13px;">Thank you again for =
your partnering with us on your financial journey.</p>
<p style=3D"color: rgb(71, 88, 111); font-size: 13px;">Kind regards<br><str=
ong>The Standard Bank Team</strong><br><span style=3D"font-size: 9px;">*Ter=
ms and conditions apply.</span></p><br></td>
<td width=3D"20" bgcolor=3D"#ffffff"></td></tr></tbody></table></td></tr></=
tbody></table>
<table width=3D"640" align=3D"center" style=3D'color: rgb(0, 0, 0); font-fa=
mily: "Segoe UI" , "Lucida Sans" , sans-serif; font-size: 14px;' bgcolor=3D=
"#d9dada" border=3D"0" cellspacing=3D"0" cellpadding=3D"20">
<tbody>
<tr>
<td style=3D'padding: 40px; color: rgb(0, 0, 50); line-height: 14px; font-f=
amily: arial , "myriad pro"; font-size: 9px;'>The
 Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). =

Authorised financial services and registered credit provider (NCRCP15).<br>=
<br>Copyright Standard Bank Group Limited. All rights reserved.<br><br><str=
ong>Standard Bank email disclaimer and confidentiality note:</strong><br><b=
r>This
 email, its attachments and any rights attaching hereto are, unless the =

context clearly indicates otherwise, the property of the Standard Bank =

Group Limited and/or its subsidiaries ("the group"), and are =

confidential, private and intended for the addressee only. The group =

treats all personal information as private and confidential in line with
 its privacy statement. For more information on the group's privacy =

statement visit&nbsp;<span id=3D"v1v1v1m_-4161189046154383594gmail-OBJ_PREF=
IX_DWT51_com_zimbra_url" style=3D"color: rgb(0, 90, 149);"><a style=3D"colo=
r: rgb(0, 90, 149);" href=3D"https://deref-mail.com/mail/client/ZZOmLEOLfi8=
/dereferrer/?redirectUrl=3Dhttps%3A%2F%2Fderef-mail.com%2Fmail%2Fclient%2FB=
jGDUyxlooI%2Fdereferrer%2F%3FredirectUrl%3Dhttps%253A%252F%252Fclick.e.stan=
dardbank.co.za%252F%253Fqs%253D8e983b8b545a14aadd78415947a41d27cf7279e04c4b=
272e11a49d7b6b8f0a896b7843b8dbb68ae08773a5dd1e352c3b5e2769adaa0f244a8db16d2=
915511317" target=3D"_blank">https://www.standardbank.co.za/southafrica/per=
sonal/about-us/
legal/privacy-statement/</a></span><br><br>Should
 you not be the addressee and receive this email by mistake, kindly =

notify the sender and delete it immediately. Do not disclose or use the =

email in any manner whatsoever.<br><br>Views and opinions expressed in this=
 email are those of the sender unless clearly stated as those of the Group.=
<br><br>The
 Group accepts no liability whatsoever for any loss or damages howsoever
 incurred or suffered as a result of or arising from the use of this =

email or its attachments. The group does not warrant the integrity of =

this email nor does it warrant that it is free of errors, viruses, =

interception or interference.<br><br>The Group expressly excludes and =

contracts outside of sections 11, 12 and 13 of the Electronic =

Communications and Transactions Act 25 of 2002 in so far as these =

provide for and relate to electronic contracting, and no data message or
 electronic communication from the Group will be recognised under any =

circumstances as having any legal contractual status as provided for =

under the aforementioned provisions, unless the Group expressly states =

so.<br><br><strong>Standard Bank</strong>&nbsp;will never send you an SMS, =
an
 email or any other communication asking you to update or provide =

confidential information about you or your account. We will also not =

send you links that take you to a site where you are required to capture
 your personal banking information and we will NEVER ask you to share =

your OTPs or passwords. If you have any doubts about the legitimacy of =

this email or other emails you receive claiming to be from Standard =

Bank, please report it to the bank by creating a new email with the =

suspicious email as an attachment and send it to&nbsp;<span id=3D"v1v1v1m_-=
4161189046154383594gmail-OBJ_PREFIX_DWT52_ZmEmailObjectHandler" style=3D"co=
lor: rgb(0, 90, 149);"><a style=3D"color: rgb(0, 90, 149);" target=3D"_blan=
k">phishing@standardbank.co.za</a></span>. Delete the suspicious email imme=
diately afterwards.<br><br>
For more information about Standard Bank Group Limited see&nbsp;<span id=3D=
"v1v1v1m_-4161189046154383594gmail-OBJ_PREFIX_DWT53_com_zimbra_url" style=
=3D"color: rgb(0, 90, 149);"><a style=3D"color: rgb(0, 90, 149);" href=3D"h=
ttps://deref-mail.com/mail/client/sIQ1pLF_8pk/dereferrer/?redirectUrl=3Dhtt=
ps%3A%2F%2Fderef-mail.com%2Fmail%2Fclient%2FUNUYYj7AUFg%2Fdereferrer%2F%3Fr=
edirectUrl%3Dhttps%253A%252F%252Fclick.e.standardbank.co.za%252F%253Fqs%253=
D8e983b8b545a14aa94a78fa3a1aaae77ff26e8e8f009b5c3112013dbf4877c764aa5a73ac6=
b083e1bce45bf347c0872ce5b8838db1e49b6cf6866d6b664c3106" target=3D"_blank">
www.standardbank.com</a></span><br><br>
Should you wish to unsubscribe, please click&nbsp;<span id=3D"v1v1v1m_-4161=
189046154383594gmail-OBJ_PREFIX_DWT54_com_zimbra_url" style=3D"color: rgb(0=
, 90, 149);">
<a name=3D"v1v1v1m_-4161189046154383594_Unsubscribe" style=3D"color: rgb(0,=
 90, 149);" href=3D"https://deref-mail.com/mail/client/HYieB5zyp5w/dereferr=
er/?redirectUrl=3Dhttps%3A%2F%2Fderef-mail.com%2Fmail%2Fclient%2FScuzSw1Reo=
s%2Fdereferrer%2F%3FredirectUrl%3Dhttps%253A%252F%252Fclick.e.standardbank.=
co.za%252F%253Fqs%253D8e983b8b545a14aacdc0f48a2f8b460876730ec2b1d0c9a3eadcd=
4ed20f0a58ca5682fd93c6037758c99477435c5052a620f53f04edab6c2cc3c8bbad3030457=
" target=3D"_blank">here</a></span>.<br><br>
GMS-26056 9/24</td></tr></tbody></table></div></div></div></div></div></BOD=
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