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                        Money transfer
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                        Multi-currency account
                       </a>
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                        Log in
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                 <div style="font-weight: 400; font-family: Inter, Averta, Helvetica, Arial; text-align: left; font-size: 16px; line-height: 24px; color: #454745;">
                  Hello Will Smith,
                 </div>
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                 <div style="font-weight: 600; font-family: Inter, Averta, Helvetica, Arial; text-align: left; font-size: 30px; line-height: 34px; color: #0E0F0C;">
                  We’re updating our Customer Agreement with you.
                 </div>
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                 <div style="font-weight: 400; font-family: Inter, Averta, Helvetica, Arial; text-align: left; font-size: 16px; line-height: 24px; color: #454745;">
                  We believe in total transparency. Not just in our product, but in our terms and conditions, too. That’s why we’re updating the descriptions of our products and services in our
                  <a>
                   Customer Agreement
                  </a>
                  , making them clear and easier to navigate.
                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" class="text-body p-t-2" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-top: 16px;">
                 <div style="font-weight: 400; font-family: Inter, Averta, Helvetica, Arial; text-align: left; font-size: 16px; line-height: 24px; color: #454745;">
                  These changes will come into effect 60 days from today. By continuing to use our services after this date, you’re agreeing to the updates.
                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" class="text-body p-t-2" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-top: 16px;">
                 <div style="font-weight: 400; font-family: Inter, Averta, Helvetica, Arial; text-align: left; font-size: 16px; line-height: 24px; color: #454745;">
                  So, here’s what’s changing:
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]></td></tr></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="section-container-light-outlook section-container-content-outlook" role="presentation" style="width:600px;" width="600" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div class="section-container-light section-container-content" style="background-color: #ffffff; margin: 0px auto; max-width: 600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
     <tbody>
      <tr>
       <td align="center" style="direction: ltr; font-size: 0px; text-align: center; padding: 0px 40px;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="content-box-outlook content-box-full-outlook m-b-1-outlook m-t-2-outlook p-x-2-outlook" style="vertical-align:top;width:600px;" ><![endif]-->
        <div class="mj-column-per-100 mj-outlook-group-fix content-box content-box-full m-b-1 m-t-2 p-x-2" style="background-color: rgba(22, 51, 0, 0.08); border-radius: 16px; box-sizing: border-box; height: fit-content; font-size: 0px; text-align: left; direction: ltr; display: inline-block; vertical-align: top; width: 100%; max-width: 528px; margin-top: 16px; padding-left: 16px; padding-right: 16px;">
         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
          <tbody>
           <tr>
            <td style="vertical-align:top;padding:0;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="" width="100%">
              <tbody>
               <tr>
                <td align="center" class="text-subheading p-t-3" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-top: 24px;">
                 <div style="font-weight: 600; text-align: center; font-family: Inter, Averta, Helvetica, Arial; font-size: 22px; color: #0E0F0C; line-height: 28px;">
                  Simplified language
                 </div>
                </td>
               </tr>
               <tr>
                <td align="center" class="text-body p-t-1 p-b-3" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-top: 8px; padding-bottom: 24px;">
                 <div style="font-weight: 400; text-align: center; font-family: Inter, Averta, Helvetica, Arial; font-size: 16px; line-height: 24px; color: #454745;">
                  We’ve updated the language in the agreement, making it clearer and more concise. We’ve also restructured it for easier navigation, and you’ll now find a summary of the most important terms at the top.
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]></td></tr></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="section-container-light-outlook section-container-content-outlook" role="presentation" style="width:600px;" width="600" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div class="section-container-light section-container-content" style="background-color: #ffffff; margin: 0px auto; max-width: 600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
     <tbody>
      <tr>
       <td align="center" style="direction: ltr; font-size: 0px; text-align: center; padding: 0px 40px;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="content-box-outlook content-box-full-outlook m-b-1-outlook m-t-2-outlook p-x-2-outlook" style="vertical-align:top;width:600px;" ><![endif]-->
        <div class="mj-column-per-100 mj-outlook-group-fix content-box content-box-full m-b-1 m-t-2 p-x-2" style="background-color: rgba(22, 51, 0, 0.08); border-radius: 16px; box-sizing: border-box; height: fit-content; font-size: 0px; text-align: left; direction: ltr; display: inline-block; vertical-align: top; width: 100%; max-width: 528px; margin-top: 16px; padding-left: 16px; padding-right: 16px;">
         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
          <tbody>
           <tr>
            <td style="vertical-align:top;padding:0;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="" width="100%">
              <tbody>
               <tr>
                <td align="center" class="text-subheading p-t-3" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-top: 24px;">
                 <div style="font-weight: 600; text-align: center; font-family: Inter, Averta, Helvetica, Arial; font-size: 22px; color: #0E0F0C; line-height: 28px;">
                  Separated Business account agreement
                 </div>
                </td>
               </tr>
               <tr>
                <td align="center" class="text-body p-t-1 p-b-1" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-top: 8px; padding-bottom: 8px;">
                 <div style="font-weight: 400; text-align: center; font-family: Inter, Averta, Helvetica, Arial; font-size: 16px; line-height: 24px; color: #454745;">
                  We’ve created separate agreements for Business and personal accounts. Which means more transparency for Wise Business customers when sending and receiving payments.
                 </div>
                </td>
               </tr>
               <tr>
                <td align="center" class="text-body p-t-0 p-b-3" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-bottom: 24px; padding-top: 0px;">
                 <div style="font-weight: 400; text-align: center; font-family: Inter, Averta, Helvetica, Arial; font-size: 16px; line-height: 24px; color: #454745;">
                  <a>
                   See our Business Legal Agreement
                  </a>
                  .
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]></td></tr></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="section-container-light-outlook section-container-content-outlook" role="presentation" style="width:600px;" width="600" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div class="section-container-light section-container-content" style="background-color: #ffffff; margin: 0px auto; max-width: 600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
     <tbody>
      <tr>
       <td align="center" style="direction: ltr; font-size: 0px; text-align: center; padding: 0px 40px;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="content-box-outlook content-box-full-outlook m-b-1-outlook m-t-2-outlook p-x-2-outlook" style="vertical-align:top;width:600px;" ><![endif]-->
        <div class="mj-column-per-100 mj-outlook-group-fix content-box content-box-full m-b-1 m-t-2 p-x-2" style="background-color: rgba(22, 51, 0, 0.08); border-radius: 16px; box-sizing: border-box; height: fit-content; font-size: 0px; text-align: left; direction: ltr; display: inline-block; vertical-align: top; width: 100%; max-width: 528px; margin-top: 16px; padding-left: 16px; padding-right: 16px;">
         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
          <tbody>
           <tr>
            <td style="vertical-align:top;padding:0;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="" width="100%">
              <tbody>
               <tr>
                <td align="center" class="text-subheading p-t-3" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-top: 24px;">
                 <div style="font-weight: 600; text-align: center; font-family: Inter, Averta, Helvetica, Arial; font-size: 22px; color: #0E0F0C; line-height: 28px;">
                  Revised account closure scenarios
                 </div>
                </td>
               </tr>
               <tr>
                <td align="center" class="text-body p-t-1 p-b-3" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-top: 8px; padding-bottom: 24px;">
                 <div style="font-weight: 400; text-align: center; font-family: Inter, Averta, Helvetica, Arial; font-size: 16px; line-height: 24px; color: #454745;">
                  We’ve updated the list of situations where we may close or suspend your profile or Wise account. It’s now clearer to see what you can and cannot do with your account.
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]></td></tr></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="section-container-light-outlook section-container-content-outlook" role="presentation" style="width:600px;" width="600" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div class="section-container-light section-container-content" style="background-color: #ffffff; margin: 0px auto; max-width: 600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
     <tbody>
      <tr>
       <td align="center" style="direction: ltr; font-size: 0px; text-align: center; padding: 0px 40px;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="content-box-outlook content-box-full-outlook m-b-1-outlook m-t-2-outlook p-x-2-outlook" style="vertical-align:top;width:600px;" ><![endif]-->
        <div class="mj-column-per-100 mj-outlook-group-fix content-box content-box-full m-b-1 m-t-2 p-x-2" style="background-color: rgba(22, 51, 0, 0.08); border-radius: 16px; box-sizing: border-box; height: fit-content; font-size: 0px; text-align: left; direction: ltr; display: inline-block; vertical-align: top; width: 100%; max-width: 528px; margin-top: 16px; padding-left: 16px; padding-right: 16px;">
         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
          <tbody>
           <tr>
            <td style="vertical-align:top;padding:0;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="" width="100%">
              <tbody>
               <tr>
                <td align="center" class="text-subheading p-t-3" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-top: 24px;">
                 <div style="font-weight: 600; text-align: center; font-family: Inter, Averta, Helvetica, Arial; font-size: 22px; color: #0E0F0C; line-height: 28px;">
                  Dynamic charge calculations
                 </div>
                </td>
               </tr>
               <tr>
                <td align="center" class="text-body p-t-1 p-b-1" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-top: 8px; padding-bottom: 8px;">
                 <div style="font-weight: 400; text-align: center; font-family: Inter, Averta, Helvetica, Arial; font-size: 16px; line-height: 24px; color: #454745;">
                  When there is uncertainty in financial markets, we may show you a separate fee or charge to reflect the actual cost of your transfer. This will allow you to keep your money moving even if you’re sending to or from very volatile currencies.
                 </div>
                </td>
               </tr>
               <tr>
                <td align="center" class="text-body p-t-0 p-b-3" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-bottom: 24px; padding-top: 0px;">
                 <div style="font-weight: 400; text-align: center; font-family: Inter, Averta, Helvetica, Arial; font-size: 16px; line-height: 24px; color: #454745;">
                  <a>
                   Learn more about dynamic charges
                  </a>
                  .
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]></td></tr></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="section-container-light-outlook section-container-content-outlook" role="presentation" style="width:600px;" width="600" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div class="section-container-light section-container-content" style="background-color: #ffffff; margin: 0px auto; max-width: 600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
     <tbody>
      <tr>
       <td align="center" style="direction: ltr; font-size: 0px; text-align: center; padding: 0px 40px;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="content-box-outlook content-box-full-outlook m-b-1-outlook m-t-2-outlook p-x-2-outlook" style="vertical-align:top;width:600px;" ><![endif]-->
        <div class="mj-column-per-100 mj-outlook-group-fix content-box content-box-full m-b-1 m-t-2 p-x-2" style="background-color: rgba(22, 51, 0, 0.08); border-radius: 16px; box-sizing: border-box; height: fit-content; font-size: 0px; text-align: left; direction: ltr; display: inline-block; vertical-align: top; width: 100%; max-width: 528px; margin-top: 16px; padding-left: 16px; padding-right: 16px;">
         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
          <tbody>
           <tr>
            <td style="vertical-align:top;padding:0;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="" width="100%">
              <tbody>
               <tr>
                <td align="center" class="text-subheading p-t-3" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-top: 24px;">
                 <div style="font-weight: 600; text-align: center; font-family: Inter, Averta, Helvetica, Arial; font-size: 22px; color: #0E0F0C; line-height: 28px;">
                  Clearer Assets product descriptions
                 </div>
                </td>
               </tr>
               <tr>
                <td align="center" class="text-body p-t-1 p-b-1" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-top: 8px; padding-bottom: 8px;">
                 <div style="font-weight: 400; text-align: center; font-family: Inter, Averta, Helvetica, Arial; font-size: 16px; line-height: 24px; color: #454745;">
                  We’ve updated the product descriptions on our Assets, making them more concise as well as easier to navigate. Check our
                  <a>
                   Stocks Customer Agreement
                  </a>
                  and
                  <a>
                   Interest Customer Agreement
                  </a>
                  .
                 </div>
                </td>
               </tr>
               <tr>
                <td align="center" class="text-body p-t-0 p-b-3" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-bottom: 24px; padding-top: 0px;">
                 <div style="font-weight: 400; text-align: center; font-family: Inter, Averta, Helvetica, Arial; font-size: 16px; line-height: 24px; color: #454745;">
                  These changes will come into effect 14 days from today.
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]></td></tr></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="section-container-content-outlook section-container-light-outlook p-b-6-outlook" role="presentation" style="width:600px;" width="600" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div class="section-container-content section-container-light p-b-6" style="background-color: #ffffff; margin: 0px auto; max-width: 600px; padding-bottom: 48px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
     <tbody>
      <tr>
       <td align="center" style="direction: ltr; font-size: 0px; text-align: center; padding: 0px 40px;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:600px;" ><![endif]-->
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         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
          <tbody>
           <tr>
            <td style="vertical-align:top;padding:0;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="" width="100%">
              <tbody>
               <tr>
                <td align="left" class="text-body p-t-3" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-top: 24px;">
                 <div style="font-weight: 400; font-family: Inter, Averta, Helvetica, Arial; text-align: left; font-size: 16px; line-height: 24px; color: #454745;">
                  If you have any questions, please
                  <a>
                   get in touch
                  </a>
                  .
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]></td></tr></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="section-container-content-outlook section-container-light-outlook" role="presentation" style="width:600px;" width="600" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div class="section-container-content section-container-light" style="background-color: #ffffff; margin: 0px auto; max-width: 600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
     <tbody>
      <tr>
       <td align="center" style="direction: ltr; font-size: 0px; text-align: center; padding: 0px 40px;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:600px;" ><![endif]-->
        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
          <tbody>
           <tr>
            <td style="vertical-align:top;padding:0;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="" width="100%">
              <tbody>
               <tr>
                <td align="left" class="text-body p-b-0" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-bottom: 0px;">
                 <div style="font-weight: 400; font-family: Inter, Averta, Helvetica, Arial; text-align: left; font-size: 16px; line-height: 24px; color: #454745;">
                  Thanks,
                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" class="text-body p-t-3-px p-b-4" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-bottom: 32px; padding-top: 3px;">
                 <div style="font-weight: 400; font-family: Inter, Averta, Helvetica, Arial; text-align: left; font-size: 16px; line-height: 24px; color: #454745;">
                  The Wise Team
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]></td></tr></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="section-container-outlook section-container-content-outlook p-t-4-outlook p-b-4-outlook" role="presentation" style="width:600px;" width="600" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div class="section-container section-container-content p-t-4 p-b-4" style="background-color: #163300; margin: 0px auto; max-width: 600px; padding-top: 32px; padding-bottom: 32px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
     <tbody>
      <tr>
       <td align="center" style="direction: ltr; font-size: 0px; text-align: center; padding: 0px 40px;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="p-y-0-outlook" style="vertical-align:top;width:600px;" ><![endif]-->
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         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
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                <td align="center" class="text-footer text-white p-b-2" style="font-size: 0px; padding: 0; word-break: break-word; padding-left: 0px; padding-right: 0px; padding-bottom: 16px;">
                 <div style="font-weight: 400; font-family: Inter, Averta, Helvetica, Arial; text-align: center; font-size: 14px; line-height: 20px; color: #fff;">
                  Want to change what we get in touch about? Go to your
                  <a class="text-inverse text-slimmer">
                   Notification Settings
                  </a>
                  . We can’t receive replies to this email address. But if you’d like some support, please visit our
                  <a class="text-inverse text-slimmer">
                   Help Centre
                  </a>
                  .
                 </div>
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