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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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                  <p class="b f" style="mso-line-height-rule: exactly; font-family: Inter, Helvetica, Arial, sans-serif; line-height: 24px; letter-spacing: 0; color: #454745; font-size: 16px; margin: 0;">
                   Tell your friends and family why you love Wise and you could both earn rewards.
                  </p>
                  <p class="b f" style="mso-line-height-rule: exactly; font-family: Inter, Helvetica, Arial, sans-serif; line-height: 24px; letter-spacing: 0; color: #454745; font-size: 16px; margin: 0;">
                   <br/>
                  </p>
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                   When your friends join Wise using your referral link, they can send their
                   <strong style="color: #163300;">
                    first transfer of up to 500 GBP without paying any fees
                   </strong>
                   .
                  </p>
                  <p class="b f" style="mso-line-height-rule: exactly; font-family: Inter, Helvetica, Arial, sans-serif; line-height: 24px; letter-spacing: 0; color: #454745; font-size: 16px; margin: 0;">
                   <br/>
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                   When
                   <strong style="color: #163300;">
                    3
                   </strong>
                   of your friends each make a cross-currency transfer over
                   <b style="color: #163300;">
                    200 GBP
                   </b>
                   , you'll unlock a
                   <strong style="color: #163300;">
                    75 GBP
                   </strong>
                   reward. What’s not to love?
                  </p>
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                  <!--[if mso]><a href="https://ablink.info.wise.com/ls/click?upn=u001.JwhTX56o1twZ4Z4wwlm-2F9YnQ3rGvtEn5yydJ3TQJaSRpYiPKEONnxCtRBS7y3hcp6nbj-2Fy-2BoQ69pXjxv4W-2BUSg-3D-3DcWKp_Xkgjvfyip0jA8U6UDBzpk1WoqeaBAJw2VxTBJB9P-2FiDicKnH1T3LBEGsC60aN-2FZvpNKk7fMJQW1kDFr-2B4YPnjMZ09T0xjxNJs3psaXw4GgNl-2FgFrOdAaSjm5K2stNpr76xyCBOXn5lXaGjA3-2FnH1XhWYvnsKsvgFNdwWQXX6EHV5vXw0V-2FIU19f-2BigjEhl1DAMMYP5nJCqJKQfM9cBLvH4bb4JgdyySPcoEephVCbetEY0HG8L7-2F-2FbD5uH2P8sgVqt3WHHmRqSiTqMZIzLQKrMUYODVG1bbKgPMQAR8J-2FUekbBVw5dlxY3QK5u6FMjbMpUCRt-2Bb8xdqI2TSmgE0TDLZesDjS9ugB8wyoCjRVVYKlDRgKu-2BuRMFePx3mxRHLLFTaEuBFpblamX4y1rxJr3B3Cs0jUJIu-2Bv8VRxwFABPUqK9ZLY4hxkle8MqhkGD-2FxcQMySXYAI5kITTc8IktQx1UQa0-2Fsl72onPcuYPUnFKZtcLRjtx-2BjxQLzRMV8qOdTLvJUgR4tN1gX97g-2BG7KLO4ruUgTSJ8q12KQFThOgPdfi-2FCrnMD-2FIlWi0yhb-2BWa-2Bp1VuaNem8-2B8R2ZUnR3MU1-2Bg6kaWvPP22c7sz-2F5rY0-2BwJUVczpSuIRxvG7ghGAxWSyDbRkOTpI5Ge5w-2FycYbEUTNZwZIuP0l3UL-2BoYnWTj-2BzAF7rnzJG75k0Apz6q3KGbkXp3hZL6ppFj5VzI36fuvkoMA2GNI5fKg-2FLoSnleIxbc-3D" 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=9raaczdkwsf1" 
                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 Wise with friends</center>
	</v:roundrect></a>
<![endif]-->
                  <!--[if !mso]><!-- -->
                  <span class="bo msohide" style="background-color: #9fe870; display: block; border-radius: 30px; width: auto; mso-hide: all; border: 0px solid #2cb543;">
                   <a class="v msohide" style="mso-style-priority: 100 !important; text-decoration: none !important; mso-line-height-rule: exactly; color: #163300; font-size: 16px; display: block; background-color: #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; padding: 15px 5px;" target="_blank">
                    Share Wise with friends
                   </a>
                  </span>
                  <!--<![endif]-->
                 </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;">
       <tr>
        <td align="center" style="margin: 0; padding: 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; width: 600px;">
          <tr>
           <td align="left" class="cg cf" style="margin: 0; padding: 20px 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="width: 520px; margin: 0; padding: 0;" 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="margin: 0; padding: 0;">
                  <h2 class="br f e" style="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; margin: 0;">
                   <strong>
                    <b>
                     Rewards that work for everyone
                    </b>
                   </strong>
                  </h2>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="i ca" style="margin: 0; padding: 20px 0 0;">
                  <h3 class="br b" style="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; margin: 0;">
                   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="margin: 0; padding: 0 20px 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="width: 560px; margin: 0; padding: 0;" 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; border-radius: 15px;" width="100%">
                <tr>
                 <td align="center" style="font-size: 0px; margin: 0; padding: 25px;">
                  <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZudnNycHEuc3RyaSIsInRpbWUiOjE3NDg1MTAxMjcuNjIyNTQxNH0:1uKZMF:Be-QNNJ4vq6yrtYdSZ9k3q9W8vQYbs6W5xi176SY_sI" style="display: block; font-size: 16px; outline: none; text-decoration: none; border-width: 0;" title="Colorful megaphone with coins flying out" width="150"/>
                  </a>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cg cf" style="margin: 0; padding: 0 40px;">
                  <h2 class="br" style="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; margin: 0;">
                   <strong>
                    <b>
                     Spread the word
                    </b>
                   </strong>
                  </h2>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cg cf a" style="margin: 0; padding: 20px 40px 30px;">
                  <h3 class="br f b" style="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; margin: 0;">
                   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="margin: 0; padding: 0 20px 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="width: 560px; margin: 0; padding: 0;" 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; border-radius: 15px;" width="100%">
                <tr>
                 <td align="center" style="font-size: 0px; margin: 0; padding: 25px;">
                  <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZudnNycHEuc3RyaSIsInRpbWUiOjE3NDg1MTAxMjcuNjIyNjQ1Nn0:1uKZMF:VxLB8agLVpub9tG48z1-dHDL2XyM90Qe0LEcxHA0NLg" style="display: block; font-size: 16px; outline: none; text-decoration: none; border-width: 0;" title="Colorful heart with abstract textures" width="150"/>
                  </a>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cg cf" style="margin: 0; padding: 0 40px;">
                  <h2 class="br" style="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; margin: 0;">
                   <strong>
                    <b>
                     Treat them like VIPs
                    </b>
                   </strong>
                  </h2>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cg cf c" style="margin: 0; padding: 20px 40px 30px;">
                  <h3 class="br f b" style="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; margin: 0;">
                   When your friends sign up using your referral link, they’ll get an exclusive Wise perk —
                   <strong style="color: #163300;">
                    they can 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="margin: 0; padding: 0 20px 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="width: 560px; margin: 0; padding: 0;" 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; border-radius: 15px;" width="100%">
                <tr>
                 <td align="center" style="font-size: 0px; margin: 0; padding: 25px;">
                  <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZudnNycHEuc3RyaSIsInRpbWUiOjE3NDg1MTAxMjcuNjIyNzQ4fQ:1uKZMF:TWIvXFsMvYxEThlTNgEnFwuYpMYZxqZweruKZFCclZc" style="display: block; font-size: 16px; outline: none; text-decoration: none; border-width: 0;" title="Colorful swirling ribbon with confetti." width="150"/>
                  </a>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cg cf" style="margin: 0; padding: 0 40px;">
                  <h2 class="br" style="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; margin: 0;">
                   <strong>
                    <b>
                     Unlock your 75 GBP reward
                    </b>
                   </strong>
                  </h2>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cg cf g" style="margin: 0; padding: 20px 40px 30px;">
                  <h3 class="br f b" style="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; margin: 0;">
                   Once
                   <strong style="color: #163300;">
                    3
                   </strong>
                   of your friends have made a cross-currency transfer over
                   <b style="color: #163300;">
                    200 GBP
                   </b>
                   , you can claim a
                   <strong style="color: #163300;">
                    75 GBP
                   </strong>
                   reward.
                  </h3>
                  <p class="br f b" style="mso-line-height-rule: exactly; font-family: inter, helvetica, arial, sans-serif; line-height: 24px; letter-spacing: 0; color: #454745; font-size: 16px; margin: 0;">
                   <br/>
                  </p>
                  <p class="br f b" style="mso-line-height-rule: exactly; font-family: inter, helvetica, arial, sans-serif; line-height: 24px; letter-spacing: 0; color: #454745; font-size: 16px; margin: 0;">
                   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="margin: 0; padding: 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; width: 600px;">
          <tr>
           <td align="left" class="cg cf" style="margin: 0; padding: 0 40px 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="width: 520px; margin: 0; padding: 0;" 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="margin: 0; padding: 0 40px;">
                  <!--[if mso]><a href="https://ablink.info.wise.com/ls/click?upn=u001.JwhTX56o1twZ4Z4wwlm-2F9YnQ3rGvtEn5yydJ3TQJaSTrm-2FWkQT1nA4tFoTj5-2Fw-2FwR5KV5Msz6ky9-2Bx-2BjeRAtZw-3D-3Daa4A_Xkgjvfyip0jA8U6UDBzpk1WoqeaBAJw2VxTBJB9P-2FiDicKnH1T3LBEGsC60aN-2FZvpNKk7fMJQW1kDFr-2B4YPnjMZ09T0xjxNJs3psaXw4GgNl-2FgFrOdAaSjm5K2stNpr76xyCBOXn5lXaGjA3-2FnH1XhWYvnsKsvgFNdwWQXX6EHV5vXw0V-2FIU19f-2BigjEhl1DAMMYP5nJCqJKQfM9cBLvH4bb4JgdyySPcoEephVCbetEY0HG8L7-2F-2FbD5uH2P8sgVqt3WHHmRqSiTqMZIzLQKrMUYODVG1bbKgPMQAR8J-2FUekbBVw5dlxY3QK5u6FMjbMpUCRt-2Bb8xdqI2TSmgE0TDLZesDjS9ugB8wyoCjRVVYKlDRgKu-2BuRMFePx3mxRHLLFTaEuBFpblamX4y1rxJr3B3Cs0jUJIu-2Bv8VRxwFABPUqK9ZLY4hxkle8MqhkGD-2FxcQMySXYAI5kITTc8IktQx1UQa0-2Fsl72onPcuYPUnFKZtcLRjtx-2BjxQLzRMV8qOdTLvJUgR4tN1gX97g-2BG7KLO4ruUgTSJ8q12KQFThOgPdfi-2FCrnMD-2FIlWi0yhb-2BWa-2Bp1VuaNem8-2B8R2ZUnR3MU1-2BqSbOpKTmWm4xoRTXaz5hs5LF9jxlY4p9WX8t2KERQbr7cNfZ3I6j4axkcT-2BXYszh1BsBnkeSfFuI8rOjiOwXRPOWnfRIymEeL8suhtS54MyIxbXU6z311eQwOPOmmcVMwpFGJSeMiyxWClP1SMF6X4-3D" target="_blank" hidden>
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		<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="background-color: #9fe870; display: block; border-radius: 30px; width: auto; mso-hide: all; border: 0px solid #2cb543;">
                   <a class="v msohide" style="mso-style-priority: 100 !important; text-decoration: none !important; mso-line-height-rule: exactly; color: #163300; font-size: 16px; display: block; background-color: #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; padding: 15px 5px;" target="_blank">
                    Share your referral link
                   </a>
                  </span>
                  <!--<![endif]-->
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cg cf" style="margin: 0; padding: 25px 40px 0;">
                  <p style="mso-line-height-rule: exactly; font-family: inter, helvetica, arial, sans-serif; line-height: 21px; letter-spacing: 0; color: #163300; font-size: 14px; margin: 0;">
                   <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;">
       <tr>
        <td align="center" style="margin: 0; padding: 0;">
         <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; width: 600px;">
          <tr>
           <td align="left" class="cg cf" style="margin: 0; padding: 20px 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="width: 520px; margin: 0; padding: 0;" 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%">
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