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<div style="text-align: center;" align="center"><span style="font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal;">In conversation with</span></div>
<div style="text-align: center;" align="center"><span style="font-size: 20px; font-family: Calibri, Helvetica, Arial, sans-serif;">Zennon Kapron</span></div>
<div style="text-align: center;" align="center"><span style="font-size: 18px; font-style: italic; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal;">Digital Currencies & the China Question</span></div>
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<span style="font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal;">Click </span><a href="http://www.insideasiapodcast.com/digital-currencies/" rel="noopener noreferrer" target="_blank" style="font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; color: rgb(207, 143, 18); font-weight: normal; font-style: normal; text-decoration: underline;">here</a><span style="font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal;"> to listen to the full </span><span style="font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-style: italic;">Inside Asia</span><span style="font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal;"> episode</span>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">There is no shortage of discussion these days on China’s will to power. After living in the shadow of Western-style development for the greater part of the last 200 years, the country is in the throes of crafting its own vision of what it means to be a modern economic power. That doesn’t always sit well with other countries – and particularly the U.S. – a nation grown accustomed to hard-won hegemony. </span></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">China’s demonstration of its new-found strength is showing up in dozens of ways. Militarily, as in its testing of its territorial rights with India and in the South China Sea. Politically, as reflected in its imposition of new security laws in Hong Kong. And diplomatically, squaring off – as it were – with the US over issues relating to trade and technology transfer.</span></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">The country is also investing in a series of longer-term strategies to ensure an economic and political rebound, in some cases, thinking well ahead of the curve, and ahead of the US, the UK, and Japan – nations all mired in their own set of domestic issues.</span></div>
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<span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">In </span><a href="http://www.insideasiapodcast.com/digital-currencies/" rel="noopener noreferrer" target="_blank" style="font-size: 16px; color: rgb(54, 97, 189); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">our most recent </a><a href="http://www.insideasiapodcast.com/digital-currencies/" rel="noopener noreferrer" target="_blank" style="font-size: 16px; color: rgb(54, 97, 189); font-family: Calibri, Helvetica, Arial, sans-serif; font-style: italic; font-weight: normal; text-decoration: underline;">Inside Asia</a><a href="http://www.insideasiapodcast.com/digital-currencies/" rel="noopener noreferrer" target="_blank" style="font-size: 16px; color: rgb(54, 97, 189); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;"> episode</a><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">, we tackle China’s quest to deploy one of the world’s first comprehensive digital currencies. It’s so-named Digital Currency Electronic Payment, or DCEP, platform is well under way and primed for piloting later this year. What are digital currencies and why is China so enthusiastically pushing to convert its currency from a cash to a digital equivalent? That’s the question I put to my guest, </span><a href="https://www.linkedin.com/in/zennon/" rel="noopener noreferrer" target="_blank" style="font-size: 16px; color: rgb(54, 97, 189); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">Zennon Kapron</a><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">, Founder and Director of </span><a href="https://www.kapronasia.com/" rel="noopener noreferrer" target="_blank" style="font-size: 16px; color: rgb(54, 97, 189); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">Kapronasia</a><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">, a fintech boutique strategy and research firm. </span>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-weight: bold; font-family: Calibri, Helvetica, Arial, sans-serif;">Tracking Transactions to Wipe Out Corruption</span></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">In order to fully appreciate the move to digital currencies it’s important to understand what’s at stake. As Zennon so eloquently explains, there are multiple reasons to trade out cash for a digital alternative, but it carries with it some risks – not so much for the Central Banks, but more for end users. Privacy is the biggest issue, which - if you think about it - is likely a lead reason for China’s move to aggressively adopt such a plan.</span></div>
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<span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">Eliminate privacy and you wipe out corruption, or so the thinking goes. Watch group, </span><a href="https://www.transparency.org/en/cpi" rel="noopener noreferrer" target="_blank" style="font-size: 16px; color: rgb(54, 97, 189); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">Transparency International</a><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">, ranks China the 80th most corrupt country among a cohort of 198. That’s cause for concern. by some estimates, corruption wipes out up to three percent per annum of the country’s GDP. To keep a check on the problem, the government will – from time to time – carry out well-orchestrated crackdowns rounding up crooked government officials and unethical business leaders. The penalties are severe. Death in some cases. </span>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-weight: bold;">Privacy Be Damned</span></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0);">Technology may prove a more effective means of reigning in corruption while allowing absolute traceability. In a perfect world, this would mean a move towards greater transactional efficiency. Money would securely flow between payer and payee with no questions asked. Say goodbye to the pay-offs, skimming, and black market activities that hamper economic performance and bolster organized crime. Conversely, governments can trace everything, down to each cup of coffee and every bus fare. Some might say, what’s the big deal, if you use a credit card or a digital wallet now, your bank or telco provider has as much information, if not more. But this is China, a place where monitoring takes on a whole new meaning.</span></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0);">Every dystopian scenario has its silver lining – I think.. Take user convenience, for instance. Load a smartphone with a digital wallet or a digital currency app and you eliminate the need to dig into your wallet and exchange paper currency. In a time of Covid where the goal is to avoid germs and disease, digital exchange looks a lot safer and healthier, and that, in and of itself, could mobilize change. </span></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-weight: bold;">Bragging Rights & Digital Prowess</span></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0);">There’s room in this story for geopolitics as well. China desperately wants recognition for its economic power and prestige and one way to achieve that is to elevate a national currency to internationally acceptable standards. Currently, the US dollar serves as the global currency of choice. There are historical reasons for this as well. The Chinese Renminbi, in comparison, is still in its infancy. Some argue that a move to digital could give the Renminbi a reputational boost, expediting its rise among currencies. It’s debatable, but for China, there’s nothing to lose. </span></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0);">A digital currency would also shine the light on China as a technology leader. Already the country has stated ambitions to become a forerunner in artificial intelligence, machine learning and robotics. Aggressive goals have been set and the government actively funding it’s top tech firms in pursuit of this goal. Launching the world’s first digital currency would go a long way in demonstrating the country’s high-tech ambitions and bolster its growing reputation as an economic powerhouse. Pull it off, and it’s another arrow in the quiver of China’s superpower ambition. All in, I guess you could say there’s more to a digital currency than meets the wallet.</span></div>
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<span style="font-size: 16px; color: rgb(0, 0, 0);">To listen to my full conversation, visit us at </span><a href="http://www.insideasiapodcast.com/" rel="noopener noreferrer" target="_blank" style="font-size: 16px; color: rgb(54, 97, 189); font-weight: normal; font-style: normal; text-decoration: underline;">www.insideasiapodcast.com</a><span style="font-size: 16px; color: rgb(0, 0, 0);">, or search for “Inside Asia” and subscribe wherever you look for and download your podcasts. </span>
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<span style="color: rgb(0, 0, 0); font-weight: bold; font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">Definition</span><span style="color: rgb(0, 0, 0); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">: “China’s National Digital Currency DCEP / CBDC Review,” </span><span style="color: rgb(0, 0, 0); font-size: 16px; font-style: italic; font-family: Calibri, Helvetica, Arial, sans-serif;">Boxmining</span><span style="color: rgb(0, 0, 0); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">, August 29, 2020.</span>
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<div><a href="https://boxmining.com/dcep/" rel="noopener noreferrer" target="_blank" style="color: rgb(54, 97, 189); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">https://boxmining.com/dcep/</a></div>
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<span style="color: rgb(0, 0, 0); font-weight: bold; font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">Article:</span><span style="color: rgb(0, 0, 0); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;"> "Cashless Does Not Mean What You Think It Means,” </span><span style="color: rgb(0, 0, 0); font-size: 16px; font-style: italic; font-family: Calibri, Helvetica, Arial, sans-serif;">Forbes</span><span style="color: rgb(0, 0, 0); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">, DATE [here]</span>
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<div><a href="https://flip.it/TbbWpA" rel="noopener noreferrer" target="_blank" style="color: rgb(54, 97, 189); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">https://www.forbes.com/sites/davidbirch/2020/08/18/cashless-does-not-mean-what-you-think-it-means/</a></div>
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<span style="color: rgb(0, 0, 0); font-weight: bold; font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">Article</span><span style="color: rgb(0, 0, 0); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">: “One Day Everyone Will Use China’s Digital Currency,” </span><span style="color: rgb(0, 0, 0); font-size: 16px; font-style: italic; font-family: Calibri, Helvetica, Arial, sans-serif;">BBC</span><span style="color: rgb(0, 0, 0); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">, September 25, 2020 [here]</span>
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<div><a href="https://www.bbc.com/news/business-54261382" rel="noopener noreferrer" target="_blank" style="color: rgb(54, 97, 189); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">https://www.bbc.com/news/business-54261382</a></div>
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<span style="color: rgb(0, 0, 0); font-weight: bold; font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">Article</span><span style="color: rgb(0, 0, 0); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">: “China’s Central Bank Digital Currency DCEP Pilot Launches,” </span><span style="color: rgb(0, 0, 0); font-size: 16px; font-style: italic; font-family: Calibri, Helvetica, Arial, sans-serif;">KapronAsia</span><span style="color: rgb(0, 0, 0); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">, April 23, 2020.</span>
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<div><a href="https://www.kapronasia.com/china-banking-research-category/china-s-central-bank-digital-currency-dcep-launches-in-pilot.html" rel="noopener noreferrer" target="_blank" style="color: rgb(54, 97, 189); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">https://www.kapronasia.com/china-banking-research-category/china-s-central-bank-digital-currency-dcep-launches-in-pilot.html</a></div>
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<span style="color: rgb(0, 0, 0); font-weight: bold; font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">White Paper</span><span style="color: rgb(0, 0, 0); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">: “Central Bank Digital Currencies,” Bank of International Settlements, </span><span style="color: rgb(0, 0, 0); font-size: 16px; font-style: italic; font-family: Calibri, Helvetica, Arial, sans-serif;">CPMI Markets Committee Paper, No. 174</span><span style="color: rgb(0, 0, 0); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">, March 12, 2018.</span>
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<div><a href="https://www.bis.org/cpmi/publ/d174.htm" rel="noopener noreferrer" target="_blank" style="color: rgb(54, 97, 189); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">https://www.bis.org/cpmi/publ/d174.htm</a></div>
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<span style="color: rgb(0, 0, 0); font-weight: bold; font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">White Paper</span><span style="color: rgb(0, 0, 0); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">: “Rise of Central Bank Digital Currencies: Drivers, Approaches, and Technologies,” </span><span style="color: rgb(0, 0, 0); font-size: 16px; font-style: italic; font-family: Calibri, Helvetica, Arial, sans-serif;">BIS Working Paper, No. 880</span><span style="color: rgb(0, 0, 0); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">, August 24, 2020. </span>
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<div><a href="https://www.bis.org/publ/work880.htm" rel="noopener noreferrer" target="_blank" style="color: rgb(54, 97, 189); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">https://www.bis.org/publ/work880.htm</a></div>
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<span style="color: rgb(0, 0, 0); font-weight: bold; font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">Visualization</span><span style="color: rgb(0, 0, 0); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">: “China’s Digital Wallets Offer a Glimpse at the Future of Payments,” </span><span style="color: rgb(0, 0, 0); font-size: 16px; font-style: italic; font-family: Calibri, Helvetica, Arial, sans-serif;">Visual Capitalist</span><span style="color: rgb(0, 0, 0); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif;">, December 30, 2017.</span>
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<div><a href="https://www.visualcapitalist.com/china-digital-wallets-payments/" rel="noopener noreferrer" target="_blank" style="color: rgb(54, 97, 189); font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">https://www.visualcapitalist.com/china-digital-wallets-payments/</a></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: bold;">Cary Horenfeldt:</span></div>
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<span style="font-size: 12px; color: rgb(102, 102, 102); font-family: Calibri, Helvetica, Arial, sans-serif;">|</span><span style="font-size: 12px; color: rgb(76, 76, 76); font-family: Calibri, Helvetica, Arial, sans-serif;"> February 25, 2020 | </span>
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<div class="text-container galileo-ap-content-editor"><div><div><span style="font-size: 14px; color: rgb(102, 102, 102);">My guest this week is Cary Horenfeldt, a self-styled digital payments expert. He’s an advisor to Bain & Company and consultant to an ever-growing FinTech community in Asia and beyond. Based in Singapore, Cary sees growing enthusiasm for digital payments. Regulators  are relaxing rules, making way for new entrants, while merchants contemplate ways to drive sales across new payment platforms. The only real loser in this payments frenzy is cash, and no one seems too sad to see it go. So-called digital wallets are all the rage, accounting for 54% of all China e-commerce sales, which in turn, represent 620.5 billion dollars of a booming 1.2 trillion dollar marketplace. “Super Apps” created and supported by Chinese behemoths Alibaba and WeChat capture QR codes with the swipe of a smartphone, making payments quick, smooth and seamless. In less than 20 years, China has risen to become the world’s digital vanguard. It now leads the world in digital payments, and with only 56% smartphone penetration there’s still lots of upside.</span></div></div></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-weight: bold; font-family: Calibri, Helvetica, Arial, sans-serif;">Ziyang Fan:</span></div>
<div><span style="color: rgb(0, 0, 0); font-weight: bold; font-family: Calibri, Helvetica, Arial, sans-serif; font-style: italic;">Digital Trade & Cross-Border Data Flows</span></div>
<div><span style="font-size: 12px; color: rgb(102, 102, 102); font-family: Calibri, Helvetica, Arial, sans-serif;">| February 25, 2018 |</span></div>
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<div class="text-container galileo-ap-content-editor"><div><div><span style="font-size: 14px; color: rgb(102, 102, 102);">Cross Border digital trade is one of the fastest growing aspects of commerce today. We’re talking something in the realm of 2-3 trillion dollars B2C and 17 trillion in B2B transactions. It’s an issue that’s starting to raise eyebrows in countries around the world who worry that the big digital players might be taking revenue away from their markets and not paying their fair share of tax. My guest this episode is Ziyang Fang, a San Francisco-based tech lawyer and policy advocate with the World Economic Forum. He’s point man on a project to determine the economic impact of Digital Trade and Cross Border Data Flows. Having worked in both public and private sector, Ziyang is uniquely qualified to comment on digital trade and just why governments around the world are up in arms. Ziyang reminds us that we can only keep this ground of innovation in tact through increasingly sophisticated forms of public-private initiatives. Only together can the critical issues be brought to light where ordinary people can see them clearly and understand all that’s at stake.</span></div></div></div>
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<div class="text-container galileo-ap-content-editor"><div><div>If podcasting isn't your thing, or you're just too busy to take 30 minutes to listen, check out my articles <a href="https://www.linkedin.com/in/steve-stine-6124084/detail/recent-activity/posts/" rel="noopener noreferrer" target="_blank" data-segment-action="add" data-segment-id="7527c640-69b8-11e8-ad61-d4ae529a8575" style="color: #597274; font-weight: normal; font-style: normal; text-decoration: underline;">here</a> on Linked-in where I set out to summarize each week’s conversation. We touch on a wide range of topics from healthcare to finance, politics to cleantech. I hope you’ll join us.</div></div></div>
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</table>
</div>
</td>
</tr>
</tbody>
</table>
<table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;">
<tbody>
<tr>
<td class=" editor-col OneColumnMobile" width="100%" align="" valign="top" style="background-color: rgb(81, 81, 81);" bgcolor="515151">
<div class="gl-contains-divider">
<table class="editor-divider" width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width: 100%;">
<tbody>
<tr>
<td class="" align="center" valign="top">
<table width="100%" class="galileo-ap-content-editor" style="cursor: default; min-width: 100%;">
<tbody>
<tr>
<td class="divider-base divider-solid" width="100%" align="center" valign="top" style="padding: 0px;">
<table cellpadding="0" cellspacing="0" border="0" align="center" style="width: 94%; min-width: 94%; height: 1px;">
<tbody>
<tr>
<td height="1" align="center" style="background-color: rgb(94, 94, 94); padding-bottom: 0px; border-bottom-style: none; height: 1px; line-height: 1px;" bgcolor="5E5E5E">
<div><img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif" style="display: block; height: 1px; width: 5px;"></div>
</td>
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</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;">
<tbody>
<tr>
<td class=" editor-col OneColumnMobile" width="100%" align="" valign="top" style="background-color: rgb(81, 81, 81);" bgcolor="515151">
<div class="gl-contains-text">
<table width="100%" style="min-width: 100%;" cellpadding="0" cellspacing="0" border="0">
<tbody>
<tr>
<td class="editor-text center-text three-column-text" align="left" valign="top" style="font-family: Calibri,Helvetica,Arial,sans-serif; font-size: 14px; color: #3661BD; text-align: center; display: block; word-wrap: break-word; line-height: 1.2; padding: 10px 20px;">
<div></div>
<div class="text-container galileo-ap-content-editor"><div><div><span style="color: rgb(255, 255, 255);">Follow on Social Media</span></div></div></div>
</td>
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</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;">
<tbody>
<tr>
<td class="feature quick-links editor-col OneColumnMobile" width="100%" align="left" valign="top" style="background-color: rgb(81, 81, 81);" bgcolor="515151">
<div class="gl-contains-social-button">
<table class="editor-social" width="100%" cellpadding="0" cellspacing="0" border="0" style="width: 100%; min-width: 100%;">
<tbody>
<tr>
<td class=" social-container social-container" align="center" style="padding: 0px 20px 10px;">
<div class="galileo-ap-content-editor">
<a href="https://www.facebook.com/insideasiapodcast" style="display: inline-block; text-decoration: none;">
<img alt="Facebook" width="32" border="0" src="https://imgssl.constantcontact.com/galileo/images/templates/Galileo-SocialMedia/facebook-visit-gray-circle.png" style="display: inline-block; margin: 0; padding: 0;"> ‌
</a>
<a href="https://twitter.com/asiapodcast" style="display: inline-block; text-decoration: none;">
<img alt="Twitter" width="32" border="0" src="https://imgssl.constantcontact.com/galileo/images/templates/Galileo-SocialMedia/twitter-visit-gray-circle.png" style="display: inline-block; margin: 0; padding: 0;"> ‌
</a>
<a href="https://www.linkedin.com/in/steve-stine-6124084/" style="display: inline-block; text-decoration: none;">
<img alt="LinkedIn" width="32" border="0" src="https://imgssl.constantcontact.com/galileo/images/templates/Galileo-SocialMedia/linkedin-visit-gray-circle.png" style="display: inline-block; margin: 0; padding: 0;"> ‌
</a>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<div class="gl-contains-spacer">
<table class="editor-spacer" width="100%" cellpadding="0" cellspacing="0" border="0">
<tbody>
<tr>
<td class="" align="center" valign="top">
<table cellpadding="0" cellspacing="0" border="0" width="100%">
<tbody>
<tr>
<td class="spacer-base" width="100%" align="center" valign="top" style="padding-bottom: 10px; height: 1px; line-height: 1px;">
<div><img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif" style="display: block; height: 1px; width: 5px;"></div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
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</tbody>
</table>
</td>
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</tbody>
</table>
</td>
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</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
<tr>
<td></td>
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<table class="footer-container" width="100%" cellpadding="0" cellspacing="0" border="0" style="background: #ffffff; margin-left: auto; margin-right: auto; table-layout: auto !important" bgcolor="#ffffff">
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<td width="100%" align="center" valign="top" style="width: 100%;">
<div class="footer-max-main-width" align="center" style="margin-left: auto; margin-right: auto; max-width: 100%;">
<table width="100%" cellpadding="0" cellspacing="0" border="0">
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<td class="footer-layout" align="center" valign="top" style="padding: 16px 0px;">
<table class="footer-main-width" style="width: 580px;" border="0" cellpadding="0" cellspacing="0">
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<td class="footer-text" align="center" valign="top" style="color: #5d5d5d; font-family: Verdana,Geneva,sans-serif; font-size: 12px; padding: 4px 0px;">
<span class="footer-column">Inside Asia<span class="footer-mobile-hidden"> | </span></span><span class="footer-column">CBD<span class="footer-mobile-hidden">, </span></span><span class="footer-column"></span><span class="footer-column"></span><span class="footer-column">Singapore, 098510 Singapore</span><span class="footer-column"></span>
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<a href="#" style="color: #5d5d5d">Unsubscribe {recipient's email}</a>
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<td class="footer-text" align="center" valign="top" style="color: #5d5d5d; font-family: Verdana,Geneva,sans-serif; font-size: 12px; padding: 4px 0px;">
<a href="#" style="color: #5d5d5d">Update Profile</a> |
<a class="footer-about-provider" href="https://www.constantcontact.com/legal/customer-contact-data-notice" style="color: #5d5d5d">Constant Contact Data Notice</a>
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<span class="footer-column">powered by</span>
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<a href="http://www.constantcontact.com/index.jsp?cc=nge&rmc=VF19_3GE" style="color: #5d5d5d; text-decoration: none">
<img alt="Trusted Email from Constant Contact - Try it FREE today." width="160" border="0" hspace="0" vspace="0" src="https://static.ctctcdn.com/letters/images/CTCTFooter/Logo_Blue_Orange.png">
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<a href="http://www.constantcontact.com/index.jsp?cc=nge&rmc=VF19_3GE" style="color: #5d5d5d; text-decoration: none">Try email marketing for free today!</a>
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</table><div align="center" style="background-color: #F3F3F3;"><table width="100%" cellpadding="0" cellspacing="0" border="0" style="background-color: #f3f3f3"><tr><td align="center" valign="top" style="padding: 0px 0px 0px 0px;"><div align="center" style="max-width: 600px; margin-left: auto; margin-right: auto;"><table cellpadding="0" cellspacing="0" border="0" style="width: 600px; width: auto !important; margin-left: auto; margin-right: auto;"><tr><td align="left" valign="top" style="color: #5b5b5b; font-size: 11px; line-height: 1.3; font-family: Arial, Helvetica, sans-serif; padding: 20px 20px 20px 20px;"><div style="color: #FF0000; font-size: 11px; line-height: 1.3; font-family: Arial, Helvetica, sans-serif;"><span style="font-size: 13px; font-weight: bold;">THIS IS A TEST EMAIL ONLY.</span><br />This email was sent by the author for the sole purpose of testing a draft message. If you believe you have received the message in error, please contact the author by replying to this message. Constant Contact takes reports of abuse very seriously. If you wish to report abuse, please forward this message to <a href="mailto:abuse@constantcontact.com">abuse@constantcontact.com</a>.<br /></div></td></tr></table></div></td></tr></table></div></body>
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