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   email 2-  card_or_transfer_never_invited
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   What could you do with an extra 75 GBP?
  </div>
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   ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌     
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                   <b>
                    75 GBP could be all yours
                   </b>
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                   Tell your friends and family why you love Wise and you could both earn rewards.
                  </p>
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                   <br/>
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                   When your friends join Wise using your referral link, they can choose either
                   <strong style="color:#163300">
                    a free Wise card
                   </strong>
                   (if available in their region) or
                   <strong style="color:#163300">
                    zero fees on their first transfer of up to 500 GBP
                   </strong>
                   .
                  </p>
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                   When
                   <strong style="color:#163300">
                    3
                   </strong>
                   of your friends either make a cross-currency transfer over
                   <b style="color:#163300">
                    200 GBP
                   </b>
                   , or spend over
                   <strong style="color:#163300">
                    200 GBP
                   </strong>
                   with a Wise card, you'll unlock a
                   <strong style="color:#163300">
                    75 GBP
                   </strong>
                   reward. What’s not to love?
                  </p>
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      <table align="center" cellpadding="0" cellspacing="0" class="be" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;width:100%;table-layout:fixed !important">
      </table>
      <table align="center" cellpadding="0" cellspacing="0" class="be" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;width:100%;table-layout:fixed !important">
      </table>
      <table align="center" cellpadding="0" cellspacing="0" class="be" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;width:100%;table-layout:fixed !important">
       <tr>
        <td align="center" style="padding:0;Margin:0">
         <table align="center" bgcolor="#ffffff" cellpadding="0" cellspacing="0" class="bw" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;background-color:#FFFFFF;width:600px">
          <tr>
           <td align="left" class="cg cf" style="Margin:0;padding-top:20px;padding-right:40px;padding-bottom:20px;padding-left:40px">
            <table cellpadding="0" cellspacing="0" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
             <tr>
              <td align="center" style="padding:0;Margin:0;width:520px" valign="top">
               <table cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
                <tr>
                 <td align="center" class="d" style="padding:0;Margin:0">
                  <h2 class="br f e" style="Margin:0;font-family:inter, helvetica, arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:24px;font-style:normal;font-weight:normal;line-height:28.8px;color:#0e0f0c">
                   <strong>
                    <b>
                     Rewards that work for everyone
                    </b>
                   </strong>
                  </h2>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="i ca" style="padding:0;Margin:0;padding-top:20px">
                  <h3 class="br b" style="Margin:0;font-family:inter, helvetica, arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:16px;font-style:normal;font-weight:normal;line-height:24px;color:#454745">
                   Want to know how our referral program works? It’s simple — just follow these 3 easy steps.
                  </h3>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
           </td>
          </tr>
          <tr>
           <td align="left" class="cg cf" style="padding:0;Margin:0;padding-right:20px;padding-left:20px;padding-bottom:20px">
            <table cellpadding="0" cellspacing="0" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
             <tr>
              <td align="center" style="padding:0;Margin:0;width:560px" valign="top">
               <table bgcolor="#ecefeb" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:separate;border-spacing:0px;background-color:#ecefeb;border-radius:15px" width="100%">
                <tr>
                 <td align="center" style="padding:25px;Margin:0;font-size:0px">
                  <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#163300;font-size:16px" target="_blank">
                   <img alt="Colorful megaphone with coins flying out" height="150" src="https://inboxflows.com/_/image/https%253A%252F%252Fnvsrpq.stripocdn.email%252Fcontent%252Fguids%252FCABINET_b5e091a73771f85fde3e8a58cf6dc423dbcf04d3dce3679e458654df8be9e4ae%252Fimages%252Fmegaphonemedium2x.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZudnNycHEuc3RyaSIsInRpbWUiOjE3Njk3MTY4MzcuNzA0ODAwNn0:1vlYBx:AX86UvmYOe7rHWLWdPcbHEeWfvCrti5pRJicDfYWNgQ" style="display:block;font-size:16px;border:0;outline:none;text-decoration:none" title="Colorful megaphone with coins flying out" width="150"/>
                  </a>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cg cf" style="padding:0;Margin:0;padding-right:40px;padding-left:40px">
                  <h2 class="br" style="Margin:0;font-family:inter, helvetica, arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:24px;font-style:normal;font-weight:normal;line-height:28.8px;color:#0e0f0c">
                   <strong>
                    <b>
                     Spread the word
                    </b>
                   </strong>
                  </h2>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cg cf a" style="Margin:0;padding-top:20px;padding-right:40px;padding-left:40px;padding-bottom:30px">
                  <h3 class="br f b" style="Margin:0;font-family:inter, helvetica, arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:16px;font-style:normal;font-weight:normal;line-height:24px;color:#454745">
                   Share your unique Wise referral link with friends and family. The more the merrier.
                  </h3>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
           </td>
          </tr>
          <tr>
           <td align="left" class="cg cf" style="padding:0;Margin:0;padding-right:20px;padding-left:20px;padding-bottom:20px">
            <table cellpadding="0" cellspacing="0" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
             <tr>
              <td align="center" style="padding:0;Margin:0;width:560px" valign="top">
               <table bgcolor="#ecefeb" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:separate;border-spacing:0px;background-color:#ecefeb;border-radius:15px" width="100%">
                <tr>
                 <td align="center" style="padding:25px;Margin:0;font-size:0px">
                  <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#163300;font-size:16px" target="_blank">
                   <img alt="Colorful heart with abstract textures" height="150" src="https://inboxflows.com/_/image/https%253A%252F%252Fnvsrpq.stripocdn.email%252Fcontent%252Fguids%252FCABINET_b5e091a73771f85fde3e8a58cf6dc423dbcf04d3dce3679e458654df8be9e4ae%252Fimages%252Fheart4medium2x_1.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZudnNycHEuc3RyaSIsInRpbWUiOjE3Njk3MTY4MzcuNzA0OTAwM30:1vlYBx:9G0abTt9BehZr5l79KsgCHU0ooTHLuDaR5VTAj0lkI4" style="display:block;font-size:16px;border:0;outline:none;text-decoration:none" title="Colorful heart with abstract textures" width="150"/>
                  </a>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cg cf" style="padding:0;Margin:0;padding-right:40px;padding-left:40px">
                  <h2 class="br" style="Margin:0;font-family:inter, helvetica, arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:24px;font-style:normal;font-weight:normal;line-height:28.8px;color:#0e0f0c">
                   <strong>
                    <b>
                     Treat them like VIPs
                    </b>
                   </strong>
                  </h2>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cg cf c" style="Margin:0;padding-top:20px;padding-right:40px;padding-left:40px;padding-bottom:30px">
                  <h3 class="br f b" style="Margin:0;font-family:inter, helvetica, arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:16px;font-style:normal;font-weight:normal;line-height:24px;color:#454745">
                   When your friends sign up using your referral link, they’ll get an exclusive Wise perk —
                   <strong style="color:#163300">
                    a free Wise card
                   </strong>
                   <strong>
                   </strong>
                   (if available in their region)
                   <strong>
                   </strong>
                   or they can
                   <strong style="color:#163300">
                    send their first transfer of up to 500 GBP without paying any fees
                   </strong>
                   . It’s the perfect way to kickstart their Wise experience.
                  </h3>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
           </td>
          </tr>
          <tr>
           <td align="left" class="cg cf" style="padding:0;Margin:0;padding-right:20px;padding-left:20px;padding-bottom:30px">
            <table cellpadding="0" cellspacing="0" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
             <tr>
              <td align="center" style="padding:0;Margin:0;width:560px" valign="top">
               <table bgcolor="#ecefeb" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:separate;border-spacing:0px;background-color:#ecefeb;border-radius:15px" width="100%">
                <tr>
                 <td align="center" style="padding:25px;Margin:0;font-size:0px">
                  <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#163300;font-size:16px" target="_blank">
                   <img alt="Colorful swirling ribbon with confetti." height="150" src="https://inboxflows.com/_/image/https%253A%252F%252Fnvsrpq.stripocdn.email%252Fcontent%252Fguids%252FCABINET_b5e091a73771f85fde3e8a58cf6dc423dbcf04d3dce3679e458654df8be9e4ae%252Fimages%252Fconfettimedium2x.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZudnNycHEuc3RyaSIsInRpbWUiOjE3Njk3MTY4MzcuNzA1MDA0NX0:1vlYBx:98f1OLL-Kzf79g7UicohOJmQSsiL6lcOTAxsD48M36U" style="display:block;font-size:16px;border:0;outline:none;text-decoration:none" title="Colorful swirling ribbon with confetti." width="150"/>
                  </a>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cg cf" style="padding:0;Margin:0;padding-right:40px;padding-left:40px">
                  <h2 class="br" style="Margin:0;font-family:inter, helvetica, arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:24px;font-style:normal;font-weight:normal;line-height:28.8px;color:#0e0f0c">
                   <strong>
                    <b>
                     Unlock your 75 GBP reward
                    </b>
                   </strong>
                  </h2>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cg cf g" style="Margin:0;padding-top:20px;padding-right:40px;padding-left:40px;padding-bottom:30px">
                  <h3 class="br f b" style="Margin:0;font-family:inter, helvetica, arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:16px;font-style:normal;font-weight:normal;line-height:24px;color:#454745">
                   Once
                   <strong style="color:#163300">
                    3
                   </strong>
                   of your friends have either made a cross-currency transfer over
                   <b style="color:#163300">
                    200 GBP
                   </b>
                   , or spent over
                   <span style="color:#163300">
                    <strong>
                     200 GBP
                    </strong>
                   </span>
                   with a Wise card, you can claim a
                   <strong style="color:#163300">
                    75 GBP
                   </strong>
                   reward.
                  </h3>
                  <p class="br f b" style="Margin:0;mso-line-height-rule:exactly;font-family:inter, helvetica, arial, sans-serif;line-height:24px;letter-spacing:0;color:#454745;font-size:16px">
                   <br/>
                  </p>
                  <p class="br f b" style="Margin:0;mso-line-height-rule:exactly;font-family:inter, helvetica, arial, sans-serif;line-height:24px;letter-spacing:0;color:#454745;font-size:16px">
                   Whether you want to save it, treat yourself to something special, or put it towards your next adventure — it’s yours to enjoy.
                  </p>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
           </td>
          </tr>
         </table>
        </td>
       </tr>
      </table>
      <table align="center" cellpadding="0" cellspacing="0" class="be" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;width:100%;table-layout:fixed !important">
       <tr>
        <td align="center" style="padding:0;Margin:0">
         <table align="center" bgcolor="#ffffff" cellpadding="0" cellspacing="0" class="bw" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;background-color:#FFFFFF;width:600px">
          <tr>
           <td align="left" class="cg cf" style="padding:0;Margin:0;padding-right:40px;padding-left:40px;padding-bottom:30px">
            <table cellpadding="0" cellspacing="0" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
             <tr>
              <td align="center" style="padding:0;Margin:0;width:520px" valign="top">
               <table cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
                <tr>
                 <td align="center" class="cc cb" style="padding:0;Margin:0;padding-right:40px;padding-left:40px">
                  <!--[if mso]><a href="https://ablink.info.wise.com/ls/click?upn=u001.JwhTX56o1twZ4Z4wwlm-2F9YnQ3rGvtEn5yydJ3TQJaST3V1QxWsNZ0BNwegPv39ESvKm4BdpQRDKJblyWHyhilg-3D-3DuaoL_Xkgjvfyip0jA8U6UDBzpk1WoqeaBAJw2VxTBJB9P-2FiDicKnH1T3LBEGsC60aN-2FZvRCzEfsz7TFUZnf4HnlMGgg7M3LUN76aOkXrOnamENqgOfU8FOjmL-2FCbCeRIwOZ8YVmAt3dHtFkIdhTnWL11w8XfuXgoEtWgEynZzM3auHwTNquKWnfEIDiERFMei-2FJCzQShYm8hiKQ34QJ1EkUkBWZvS-2B3NaCp2DBobN3HOSWHrP8d1ywHl2eb7Rp7is8wbkJkfyDBr8zPhJ3KIzPtyVdb2CJa-2BRb7YHl7QdchmAcOXyCPn7WdUfu5xaJJs-2FiK5HzxSt2pyxNqAQTRkIxSSJqB2L4516E29NQchcgyrZ0wpGj2reieJUIIHA2wu3fEpsmP5rhT0WhGvqpLhiqEweVrxgSqAQLEDAWmTmbKcB4996-2B2p1uCY5ejJxppnjDAFHl-2FFjzAzagtDEgzFcR2SYCqpJ3ArREk2QiUJlj0vcXUO0eEDfKtfPNRn3zOCzZzbdbalgdFz9LAotbXeWjhTLqih7VhI1FhX-2BA2ZULhF41UiBRoC6HJEXYloy-2FBJ3NvTaTzn1HILjSMy-2B43SN6-2BMpYEQNK83CDEDJSrOt7Y8WDpTLxAVQraelTX1jcgSLhmf3-2FrTVB3H3jlg6yU5cL67YHQ8XnZB0D0edQCkFHXZM7gcCU3eN1OTyd1oVoIGSRNU53YoPmkQc7uJkQftzUkdHTVgemXnRA54nALoZmFuzOt4CsvvNOqIXJlQtTFAGzdqE" target="_blank" hidden>
	<v:roundrect xmlns:v="urn:schemas-microsoft-com:vml" xmlns:w="urn:schemas-microsoft-com:office:word" esdevVmlButton href="https://wise.com/invite?lid=wt09c02k0j2k" style="height:49px; v-text-anchor:middle; width:440px" arcsize="50%" stroke="f"  fillcolor="#9fe870">
		<w:anchorlock></w:anchorlock>
		<center style='color:#163300; font-family:Inter, Helvetica, Arial, sans-serif; font-size:16px; font-weight:700; line-height:16px;  mso-text-raise:1px'>Share your referral link</center>
	</v:roundrect></a>
<![endif]-->
                  <!--[if !mso]><!-- -->
                  <span class="bo msohide" style="border-style:solid;border-color:#2cb543;background:#9fe870;border-width:0px;display:block;border-radius:30px;width:auto;mso-hide:all">
                   <a class="v msohide" style="mso-style-priority:100 !important;text-decoration:none !important;mso-line-height-rule:exactly;color:#163300;font-size:16px;padding:15px 5px;display:block;background:#9fe870;border-radius:30px;font-family:Inter, Helvetica, Arial, sans-serif;font-weight:bold;font-style:normal;line-height:19.2px;width:auto;text-align:center;letter-spacing:0;mso-padding-alt:0;mso-border-alt:10px solid #9fe870;mso-hide:all" target="_blank">
                    Share your referral link
                   </a>
                  </span>
                  <!--<![endif]-->
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cg cf" style="padding:0;Margin:0;padding-right:40px;padding-left:40px;padding-top:25px">
                  <p style="Margin:0;mso-line-height-rule:exactly;font-family:inter, helvetica, arial, sans-serif;line-height:21px;letter-spacing:0;color:#163300;font-size:14px">
                   <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#163300;font-size:14px;font-family:inter, helvetica, arial, sans-serif" target="_blank">
                    Referral Program T&amp;Cs
                   </a>
                  </p>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
           </td>
          </tr>
         </table>
        </td>
       </tr>
      </table>
      <table align="center" cellpadding="0" cellspacing="0" class="be" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;width:100%;table-layout:fixed !important">
      </table>
      <table align="center" cellpadding="0" cellspacing="0" class="be" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;width:100%;table-layout:fixed !important">
      </table>
      <table align="center" cellpadding="0" cellspacing="0" class="be" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;width:100%;table-layout:fixed !important">
      </table>
      <table align="center" cellpadding="0" cellspacing="0" class="be" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;width:100%;table-layout:fixed !important">
      </table>
      <table align="center" cellpadding="0" cellspacing="0" class="be" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;width:100%;table-layout:fixed !important">
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         <table align="center" bgcolor="#ecefeb" cellpadding="0" cellspacing="0" class="bw" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;background-color:#ecefeb;width:600px">
          <tr>
           <td align="left" class="cg cf" style="Margin:0;padding-top:20px;padding-right:40px;padding-bottom:20px;padding-left:40px">
            <table cellpadding="0" cellspacing="0" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
             <tr>
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               <table cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
                <tr>
                 <td align="center" class="w" style="padding:0;Margin:0">
                  <h1 class="br x" style="Margin:0;font-family:Inter, Helvetica, Arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:26px;font-style:normal;font-weight:normal;line-height:31.2px;color:#0E0F0C">
                   <strong>
                    Your questions answered
                   </strong>
                  </h1>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
           </td>
          </tr>
          <tr>
           <td align="left" class="cg cf" style="Margin:0;padding-right:40px;padding-left:40px;padding-top:5px;padding-bottom:5px">
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             <tr>
              <td align="center" style="padding:0;Margin:0;width:520px" valign="top">
               <table bgcolor="#dbe0d8" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:separate;border-spacing:0px;background-color:#dbe0d8;border-radius:50px" width="100%">
                <tr>
                 <td align="center" class="cg cf" style="Margin:0;padding-right:40px;padding-left:40px;padding-top:15px;padding-bottom:15px">
                  <h3 class="br" style="Margin:0;font-family:Inter, Helvetica, Arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:16px;font-style:normal;font-weight:normal;line-height:24px;color:#0E0F0C">
                   <strong>
                    <a style="mso-line-height-rule:exactly;text-decoration:none;color:#163300;font-size:16px;line-height:24px" target="_blank">
                     How does the Wise referral program work?
                    </a>
                   </strong>
                  </h3>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
           </td>
          </tr>
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           <td align="left" class="cg cf" style="Margin:0;padding-right:40px;padding-left:40px;padding-top:5px;padding-bottom:5px">
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               <table bgcolor="#dbe0d8" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:separate;border-spacing:0px;border-radius:50px;background-color:#dbe0d8" width="100%">
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