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To: tjphuhs@gmail.com
Message-ID: <FF.5C.19258.93CCEB96@hpnplmomiw07>
Date: Sat, 21 Mar 2026 09:50:01 -0700
MIME-Version: 1.0
Reply-To: AmericanExpress@welcome.americanexpress.com
Subject: Final notice for collection agency placement
From: "American Express" <AmericanExpress@welcome.americanexpress.com>

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=0A      text-decoration: none !important;=0A      font-size: inherit !impo=
rtant;=0A      font-family: inherit !important;=0A      font-weight: inheri=
t !important;=0A      line-height: inherit !important;=0A    }=0A=0A    /* =
Start Image Module CSS for desktop */=0A    .landscapeImgSize td,=0A    .la=
ndscapeImgSize img {=0A      max-height: 220px !important;=0A    }=0A=0A   =
 .table-layout-fixed>table table {=0A      table-layout: fixed;=0A    }=0A=
=0A    .word-break-all {=0A      width: 100%;=0A      word-break: break-all=
;=0A      word-wrap: break-word;=0A    }=0A=0A    /* END Image Module CSS f=
or desktop */=0A    /* Partner Logo CSS */=0A    .horizontalLogo td,=0A    =
.horizontalLogo img {=0A      max-height: 60px;=0A    }=0A=0A    /* END Pa=
rtner Logo CSS */=0A    /* START: Progress Tracker Desktop CSS */=0A    .pt=
racker-l4-section-outlook {=0A      width: 560px !important;=0A    }=0A=0A =
   .ptracker-l3-section-outlook {=0A      width: 620px !important;=0A    }=
=0A=0A    .step-label3-outlook {=0A      padding-left: 30px !important;=0A =
     padding-right: 30px !important;=0A    }=0A=0A    div.step-label4 {=0A =
     max-width: 22.5%;=0A      width: 22.5%;=0A    }=0A=0A    div.step-labe=
l3 {=0A      max-width: 33%;=0A      width: 33%;=0A    }=0A=0A    .step-tex=
t div {=0A      width: 120px !important;=0A    }=0A=0A    /* END: Progress =
Tracker Desktop CSS */=0A    /* Start ADA Styles */=0A    *:focus {=0A     =
 outline-offset: 4px;=0A      outline: #006FCF solid 2px;=0A      border-ra=
dius: 1px;=0A    }=0A=0A    /* End ADA Styles */</style></head><body style=
=3D"background-color:#d9d9d6;" role=3D"main"><div aria-label=3D"Final notic=
e for collection agency placement" aria-roledescription=3D"email" class=3D"=
mobile-body" style=3D"background-color:#d9d9d6;" role=3D"article" lang=3D"e=
n" dir=3D"auto"><!--[if mso | IE]><table align=3D"center" border=3D"0" cell=
padding=3D"0" cellspacing=3D"0" class=3D"" role=3D"presentation" style=3D"w=
idth:620px;" width=3D"620" bgcolor=3D"#ffffff" ><tr><td style=3D"line-heigh=
t:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]--><div style=
=3D"background:#ffffff;background-color:#ffffff;margin:0px auto;max-width:6=
20px;"><table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" role=3D"presentation" style=3D"background:#ffffff;background-color:#=
ffffff;width:100%;"><tbody><tr><td style=3D"direction:ltr;font-size:0px;pad=
ding:20px 0;padding-bottom:0;padding-left:0;padding-right:0;padding-top:0;t=
ext-align:center;"><!--[if mso | IE]><table role=3D"presentation" border=3D=
"0" cellpadding=3D"0" cellspacing=3D"0"><tr><td class=3D"" width=3D"620px" =
><table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
lass=3D"" role=3D"presentation" style=3D"width:620px;" width=3D"620" ><tr><=
td style=3D"line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><!=
[endif]--><div style=3D"margin:0px auto;max-width:620px;"><table align=3D"c=
enter" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentatio=
n" style=3D"width:100%;"><tbody><tr><td style=3D"direction:ltr;font-size:0p=
x;padding:20px 0;padding-bottom:0;padding-left:0;padding-right:0;padding-to=
p:0;text-align:center;"><!--[if mso | IE]><table role=3D"presentation" bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0"><tr><td class=3D"" style=3D"ve=
rtical-align:top;width:620px;" ><![endif]--><div class=3D"mj-column-per-100=
 mj-outlook-group-fix" style=3D"font-size:0px;text-align:left;direction:ltr=
;display:inline-block;vertical-align:top;width:100%;"><table border=3D"0" c=
ellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tb=
ody><tr><td style=3D"background-color:#d9d9d6;vertical-align:top;padding-to=
p:0;padding-right:0;padding-bottom:0;padding-left:0;"><table border=3D"0" c=
ellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tb=
ody><tr><td align=3D"center" style=3D"font-size:0px;padding:10px 25px;word-=
break:break-word;"><div style=3D"font-family:&quot;Helvetica Neue&quot;, Ro=
boto, Helvetica, sans-serif;font-size:13px;font-weight:400;line-height:20px=
;text-align:center;color:#333333;"><p style=3D"margin:0 0 0 0px">Call us to=
day before it&#x27;s too late.</p></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></td></tr><=
tr><td class=3D"" width=3D"620px" ><table align=3D"center" border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" class=3D"" role=3D"presentation" style=3D"=
width:620px;" width=3D"620" ><tr><td style=3D"line-height:0px;font-size:0px=
;mso-line-height-rule:exactly;"><![endif]--><div style=3D"margin:0px auto;m=
ax-width:620px;"><table align=3D"center" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" role=3D"presentation" style=3D"width:100%;"><tbody><tr><td s=
tyle=3D"direction:ltr;font-size:0px;padding:20px 0;padding-bottom:0;padding=
-left:0;padding-right:0;padding-top:0;text-align:center;"><!--[if mso | IE]=
><table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D=
"0"><tr><td class=3D"" style=3D"vertical-align:top;width:620px;" ><![endif]=
--><div class=3D"mj-column-per-100 mj-outlook-group-fix" style=3D"font-size=
:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;=
width:100%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation" width=3D"100%"><tbody><tr><td style=3D"vertical-align:top=
;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;"><table bor=
der=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=
=3D"100%"><tbody><tr><td align=3D"left" class=3D"pad-1" style=3D"font-size:=
0px;padding:10px 25px;padding-top:20px;padding-right:20px;padding-bottom:20=
px;padding-left:20px;word-break:break-word;"><table cellpadding=3D"0" cells=
pacing=3D"0" width=3D"100%" border=3D"0" style=3D"color:#000000;font-family=
:Ubuntu, Helvetica, Arial, sans-serif;font-size:13px;line-height:1;table-la=
yout:auto;width:100%;border:none;"><tr><td width=3D"15%" valign=3D"top"><im=
g src=3D"https://cdaas.americanexpress.com/akamai/axp/comms/logos/logo.png"=
 alt=3D"American Express Logo" class=3D"dls-logo-bluebox-solid-sm" width=3D=
"60" height=3D"60"></td><td style=3D"font-family:&quot;Helvetica Neue&quot;=
, Roboto, Helvetica, sans-serif;font-size:15px;font-weight:500;color:#333;p=
adding-left:10px;padding-right:10px" class=3D"pad-1-l pad-1-r" align=3D"rig=
ht" valign=3D"top"><p style=3D"display:inline-block;line-height:22px;margin=
:0" class=3D"body-1"><b>TIMOTHY BOURDEAU II</b></p><p style=3D"font-weight:=
normal;line-height:22px;word-break:break-word;margin:0" class=3D"body-1">Ac=
count ending: 114008</p></td><td align=3D"right" width=3D"17%" valign=3D"to=
p"><img src=3D"https://www.aexp-static.com/online/myca/shared/summary/carda=
sset/images/NUS000000257_160x101_STRAIGHT_96.jpg" alt=3D"Card Art" class=3D=
"dls-card-xs" width=3D"96" height=3D"60"></td></tr></table></td></tr></tbod=
y></table></td></tr></tbody></table></div><!--[if mso | IE]></td></tr></tab=
le><![endif]--></td></tr></tbody></table></div><!--[if mso | IE]></td></tr>=
</table></td></tr><tr><td class=3D"" width=3D"620px" ><table align=3D"cente=
r" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"" role=3D"pres=
entation" style=3D"width:620px;" width=3D"620" bgcolor=3D"#EA700B" ><tr><td=
 style=3D"line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![e=
ndif]--><div style=3D"background:#EA700B;background-color:#EA700B;margin:0p=
x auto;max-width:620px;"><table align=3D"center" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"background:#EA700B;=
background-color:#EA700B;width:100%;"><tbody><tr><td style=3D"direction:ltr=
;font-size:0px;padding:20px 0;padding-bottom:20px;padding-left:40px;padding=
-right:40px;padding-top:20px;text-align:center;"><!--[if mso | IE]><table r=
ole=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"><tr><=
td class=3D"" style=3D"vertical-align:top;width:540px;" ><![endif]--><div c=
lass=3D"mj-column-per-100 mj-outlook-group-fix" style=3D"font-size:0px;text=
-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100=
%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"present=
ation" width=3D"100%"><tbody><tr><td style=3D"vertical-align:top;padding-to=
p:0;padding-right:0;padding-bottom:0;padding-left:0;"><table border=3D"0" c=
ellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tb=
ody><tr><td align=3D"center" style=3D"font-size:0px;padding:10px 25px;paddi=
ng-top:0;padding-right:0;padding-bottom:0;padding-left:0;word-break:break-w=
ord;"><div style=3D"font-family:&quot;Helvetica Neue&quot;, Roboto, Helveti=
ca, sans-serif;font-size:13px;font-weight:bold;line-height:18px;text-align:=
center;text-transform:uppercase;color:#00175a;"><p style=3D"margin:0 0 0 0p=
x">Important Notice</p></div></td></tr></tbody></table></td></tr></tbody></=
table></div><!--[if mso | IE]></td></tr></table><![endif]--></td></tr></tbo=
dy></table></div><!--[if mso | IE]></td></tr></table></td></tr><tr><td clas=
s=3D"" width=3D"620px" ><table align=3D"center" border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" class=3D"" role=3D"presentation" style=3D"width:620px=
;" width=3D"620" bgcolor=3D"#00175a" ><tr><td style=3D"line-height:0px;font=
-size:0px;mso-line-height-rule:exactly;"><![endif]--><div style=3D"backgrou=
nd:#00175a;background-color:#00175a;margin:0px auto;max-width:620px;"><tabl=
e align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D=
"presentation" style=3D"background:#00175a;background-color:#00175a;width:1=
00%;"><tbody><tr><td style=3D"direction:ltr;font-size:0px;padding:20px 0;pa=
dding-bottom:30px;padding-left:40px;padding-right:40px;padding-top:40px;tex=
t-align:center;"><!--[if mso | IE]><table role=3D"presentation" border=3D"0=
" cellpadding=3D"0" cellspacing=3D"0"><tr><td class=3D"" style=3D"vertical-=
align:middle;width:68.04px;" ><![endif]--><div class=3D"mj-column-per-12-6 =
mj-outlook-group-fix" style=3D"font-size:0px;text-align:left;direction:ltr;=
display:inline-block;vertical-align:middle;width:100%;"><table border=3D"0"=
 cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><=
tbody><tr><td style=3D"vertical-align:middle;padding-top:0;padding-right:0;=
padding-bottom:0;padding-left:0;"><table border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr><td align=3D=
"center" class=3D"pad-0 pad-3-b" style=3D"font-size:0px;padding:10px 25px;p=
adding-top:0;padding-right:20px;padding-bottom:0;padding-left:0;word-break:=
break-word;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation" style=3D"border-collapse:collapse;border-spacing:0px;"><t=
body><tr><td style=3D"width:48px;"><img alt src=3D"https://www.aexp-static.=
com/akamai/axp/comms/icons/warning-amber.png" style=3D"border:0;display:blo=
ck;outline:none;text-decoration:none;height:48px;width:100%;font-size:13px;=
" width=3D"48" height=3D"48"></td></tr></tbody></table></td></tr></tbody></=
table></td></tr></tbody></table></div><!--[if mso | IE]></td><td class=3D""=
 style=3D"vertical-align:middle;width:471.96px;" ><![endif]--><div class=3D=
"mj-column-per-87-4 mj-outlook-group-fix" style=3D"font-size:0px;text-align=
:left;direction:ltr;display:inline-block;vertical-align:middle;width:100%;"=
><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentati=
on" width=3D"100%"><tbody><tr><td style=3D"vertical-align:middle;padding-to=
p:0;padding-right:0;padding-bottom:0;padding-left:0;"><table border=3D"0" c=
ellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tb=
ody><tr><td align=3D"left" style=3D"font-size:0px;padding:10px 25px;padding=
-top:0;padding-right:0;padding-bottom:0;padding-left:0;word-break:break-wor=
d;"><div style=3D"font-family:&quot;Helvetica Neue&quot;, Helvetica, sans-s=
erif;font-size:26px;font-weight:400;line-height:34px;text-align:left;color:=
#ffffff;"><p style=3D"margin:0 0 0 0px" role=3D"heading" aria-level=3D"1">Y=
our account may be sent for collections on 3/28/26.</p></div></td></tr></tb=
ody></table></td></tr></tbody></table></div><!--[if mso | IE]></td></tr></t=
able><![endif]--></td></tr></tbody></table></div><!--[if mso | IE]></td></t=
r></table></td></tr><tr><td class=3D"" width=3D"620px" ><table align=3D"cen=
ter" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"" role=3D"pr=
esentation" style=3D"width:620px;" width=3D"620" bgcolor=3D"#00175a" ><tr><=
td style=3D"line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><!=
[endif]--><div style=3D"background:#00175a;background-color:#00175a;margin:=
0px auto;max-width:620px;"><table align=3D"center" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"background:#00175a;=
background-color:#00175a;width:100%;"><tbody><tr><td style=3D"direction:ltr=
;font-size:0px;padding:20px 0;padding-bottom:0;padding-left:0;padding-right=
:0;padding-top:0;text-align:center;"><!--[if mso | IE]><table role=3D"prese=
ntation" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"><tr><td class=3D"=
" style=3D"vertical-align:top;width:620px;" ><![endif]--><div class=3D"mj-c=
olumn-per-100 mj-outlook-group-fix" style=3D"font-size:0px;text-align:left;=
direction:ltr;display:inline-block;vertical-align:top;width:100%;"><table b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=
=3D"100%"><tbody><tr><td style=3D"vertical-align:top;padding-top:0;padding-=
right:40px;padding-bottom:40px;padding-left:40px;"><table border=3D"0" cell=
padding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tbody=
><tr><td align=3D"left" style=3D"font-size:0px;padding:10px 25px;padding-to=
p:0;padding-right:0;padding-bottom:0;padding-left:0;word-break:break-word;"=
><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentati=
on" style=3D"border-collapse:separate;width:230px;line-height:100%;"><tbody=
><tr><td align=3D"center" bgcolor=3D"#ffffff" role=3D"presentation" style=
=3D"border:none;border-radius:5px;cursor:auto;height:40px;mso-padding-alt:8=
px 25px;background:#ffffff;" valign=3D"middle"><a href=3D"https://oneidenti=
tyapiproxy.americanexpress.com/us/identity/cc/rsvp/eUhZeCtLclFmbTU4UDhlZ0hy=
TCtrVTFybzE1eCtEOGMvWm5sMHpyQXd4dEg0TGFxTkFDNitYbkM4T2c9=3Faccount_key=3D&c=
omm_track_id=3Dr_CST-WCC-AMER67442a01136c1_1_c" style=3D"display:inline-blo=
ck;width:180px;background:#ffffff;color:#00175a;font-family:Helvetica, Aria=
l, Roboto, sans-serif;font-size:15px;font-weight:500;line-height:22px;margi=
n:0;text-decoration:none;text-transform:none;padding:8px 25px;mso-padding-a=
lt:0px;border-radius:5px;" target=3D"_blank">Make a payment</a></td></tr></=
tbody></table></td></tr></tbody></table></td></tr></tbody></table></div><!-=
-[if mso | IE]></td></tr></table><![endif]--></td></tr></tbody></table></di=
v><!--[if mso | IE]></td></tr></table></td></tr><tr><td class=3D"" width=3D=
"620px" ><table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"" role=3D"presentation" style=3D"width:620px;" width=3D"620=
" ><tr><td style=3D"line-height:0px;font-size:0px;mso-line-height-rule:exac=
tly;"><![endif]--><div style=3D"margin:0px auto;max-width:620px;"><table al=
ign=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre=
sentation" style=3D"width:100%;"><tbody><tr><td style=3D"direction:ltr;font=
-size:0px;padding:20px 0;padding-bottom:20px;padding-left:40px;padding-righ=
t:40px;padding-top:20px;text-align:center;"><!--[if mso | IE]><table role=
=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"><tr><td =
class=3D"text-align-left-outlook" style=3D"vertical-align:top;width:540px;"=
 ><![endif]--><div class=3D"mj-column-per-100 mj-outlook-group-fix text-ali=
gn-left" style=3D"font-size:0px;text-align:left;direction:ltr;display:inlin=
e-block;vertical-align:top;width:100%;"><table border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr><td st=
yle=3D"vertical-align:top;padding-top:0;padding-right:0;padding-bottom:0;pa=
dding-left:0;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation" width=3D"100%"><tbody><tr><td align=3D"left" style=3D"fon=
t-size:0px;padding:10px 25px;padding-top:0;padding-right:0;padding-bottom:0=
;padding-left:0;word-break:break-word;"><div style=3D"font-family:&quot;Hel=
vetica Neue&quot;, Roboto, Helvetica, sans-serif;font-size:20px;font-weight=
:400;line-height:28px;text-align:left;color:#006fcf;"><p style=3D"margin:0 =
0 0 0px" role=3D"heading" aria-level=3D"2">If you don=E2=80=99t contact us =
by 3/28/26:</p></div></td></tr><tr><td align=3D"left" style=3D"font-size:0p=
x;padding:10px 25px;padding-top:10px;padding-right:0;padding-bottom:0;paddi=
ng-left:0;word-break:break-word;"><div style=3D"font-family:&quot;Helvetica=
 Neue&quot;, Roboto, Helvetica, sans-serif;font-size:15px;font-weight:400;l=
ine-height:22px;text-align:left;color:#333333;"><p style=3D"margin:0 0 0 0p=
x">Your cancelled account(s) may be routed for collections next week. If th=
is happens, you will be contacted for <strong>payment of your entire accoun=
t balance </strong>of<strong> $2,155.55.</strong></p></div></td></tr></tbod=
y></table></td></tr></tbody></table></div><!--[if mso | IE]></td></tr></tab=
le><![endif]--></td></tr></tbody></table></div><!--[if mso | IE]></td></tr>=
</table></td></tr><tr><td class=3D"" width=3D"620px" ><table align=3D"cente=
r" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"" role=3D"pres=
entation" style=3D"width:620px;" width=3D"620" ><tr><td style=3D"line-heigh=
t:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]--><div style=
=3D"margin:0px auto;max-width:620px;"><table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"width:10=
0%;"><tbody><tr><td style=3D"direction:ltr;font-size:0px;padding:20px 0;pad=
ding-bottom:20px;padding-left:40px;padding-right:40px;padding-top:10px;text=
-align:center;"><!--[if mso | IE]><table role=3D"presentation" border=3D"0"=
 cellpadding=3D"0" cellspacing=3D"0"><tr><td class=3D"" style=3D"vertical-a=
lign:top;width:540px;" ><![endif]--><div class=3D"mj-column-per-100 mj-outl=
ook-group-fix" style=3D"font-size:0px;text-align:left;direction:ltr;display=
:inline-block;vertical-align:top;width:100%;"><table border=3D"0" cellpaddi=
ng=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr>=
<td style=3D"vertical-align:top;padding-top:0;padding-right:0;padding-botto=
m:0;padding-left:0;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" role=3D"presentation" width=3D"100%"><tbody><tr><td align=3D"left" class=
=3D"pad-0 pad-0-d btn-align-center" style=3D"font-size:0px;padding:10px 25p=
x;padding-top:13px;padding-right:0;padding-bottom:0;padding-left:0;word-bre=
ak:break-word;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" rol=
e=3D"presentation" style=3D"border-collapse:separate;width:230px;line-heigh=
t:100%;"><tbody><tr><td align=3D"center" bgcolor=3D"#00175a" role=3D"presen=
tation" style=3D"border:1px solid #00175a;border-radius:5px;cursor:auto;mso=
-padding-alt:8px 25px;background:#00175a;" valign=3D"middle"><a href=3D"htt=
ps://m.amex/QMNC5Q=3Fcomm_track_id=3Dr_CST-WCC-AMER67442a01136c1_1_c" style=
=3D"display:inline-block;width:178px;background:#00175a;color:#ffffff;font-=
family:Helvetica, Arial, Roboto, sans-serif;font-size:15px;font-weight:400;=
line-height:22px;margin:0;text-decoration:none;text-transform:none;padding:=
8px 25px;mso-padding-alt:0px;border-radius:5px;" target=3D"_blank">Make a p=
ayment now</a></td></tr></tbody></table></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></td></tr><=
tr><td class=3D"" width=3D"620px" ><table align=3D"center" border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" class=3D"" role=3D"presentation" style=3D"=
width:620px;" width=3D"620" ><tr><td style=3D"line-height:0px;font-size:0px=
;mso-line-height-rule:exactly;"><![endif]--><div style=3D"margin:0px auto;m=
ax-width:620px;"><table align=3D"center" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" role=3D"presentation" style=3D"width:100%;"><tbody><tr><td s=
tyle=3D"direction:ltr;font-size:0px;padding:20px 0;padding-bottom:40px;padd=
ing-left:40px;padding-right:40px;padding-top:20px;text-align:center;"><!--[=
if mso | IE]><table role=3D"presentation" border=3D"0" cellpadding=3D"0" ce=
llspacing=3D"0"><tr><td class=3D"text-align-left-outlook" style=3D"vertical=
-align:top;width:540px;" ><![endif]--><div class=3D"mj-column-per-100 mj-ou=
tlook-group-fix text-align-left" style=3D"font-size:0px;text-align:left;dir=
ection:ltr;display:inline-block;vertical-align:top;width:100%;"><table bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D=
"100%"><tbody><tr><td style=3D"vertical-align:top;padding-top:0;padding-rig=
ht:0;padding-bottom:0;padding-left:0;"><table border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr><td ali=
gn=3D"left" style=3D"font-size:0px;padding:10px 25px;padding-top:0;padding-=
right:0;padding-bottom:0;padding-left:0;word-break:break-word;"><div style=
=3D"font-family:&quot;Helvetica Neue&quot;, Roboto, Helvetica, sans-serif;f=
ont-size:20px;font-weight:400;line-height:28px;text-align:left;color:#006fc=
f;"><p style=3D"margin:0 0 0 0px" role=3D"heading" aria-level=3D"2">You may=
 be eligible for financial relief.</p></div></td></tr><tr><td align=3D"left=
" style=3D"font-size:0px;padding:10px 25px;padding-top:10px;padding-right:0=
;padding-bottom:0;padding-left:0;word-break:break-word;"><div style=3D"font=
-family:&quot;Helvetica Neue&quot;, Roboto, Helvetica, sans-serif;font-size=
:15px;font-weight:400;line-height:22px;text-align:left;color:#333333;"><p s=
tyle=3D"margin:0 0 0 0px">If you&#x27;re having trouble paying down your pa=
st due balance, we have options that can help:</p><p style=3D"margin:0 0 0 =
0px">=C2=A0</p><ul style=3D"margin:0;padding:0;text-align:left;list-style-t=
ype:disc"><li style=3D"margin:0 0 0 30px;text-align:left">Reinstate your Ca=
rd Membership*.</li><li style=3D"margin:0 0 0 30px;text-align:left">Tempora=
rily lower your monthly payments and interest rates, if applicable.</li><li=
 style=3D"margin:0 0 0 30px;text-align:left">Pause future late payment fees=
.</li></ul><p style=3D"margin:0 0 0 0px">=C2=A0</p><p style=3D"margin:0 0 =
0 0px">Terms and eligibility requirements apply**.</p><p style=3D"margin:0 =
0 0 0px">=C2=A0</p><p style=3D"margin:0 0 0 0px">Get in touch with us to di=
scuss your options at 888-819-2135.</p></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></td><=
/tr><tr><td class=3D"" width=3D"620px" ><table align=3D"center" border=3D"0=
" cellpadding=3D"0" cellspacing=3D"0" class=3D"" role=3D"presentation" styl=
e=3D"width:620px;" width=3D"620" ><tr><td style=3D"line-height:0px;font-siz=
e:0px;mso-line-height-rule:exactly;"><![endif]--><div style=3D"margin:0px a=
uto;max-width:620px;"><table align=3D"center" border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" role=3D"presentation" style=3D"width:100%;"><tbody><tr>=
<td style=3D"direction:ltr;font-size:0px;padding:20px 0;padding-bottom:10px=
;padding-left:40px;padding-right:40px;padding-top:10px;text-align:center;">=
<!--[if mso | IE]><table role=3D"presentation" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0"><tr><td class=3D"pad-0-outlook" style=3D"vertical-alig=
n:top;width:540px;" ><![endif]--><div class=3D"mj-column-per-100 mj-outlook=
-group-fix pad-0" style=3D"font-size:0px;text-align:left;direction:ltr;disp=
lay:inline-block;vertical-align:top;width:100%;"><table border=3D"0" cellpa=
dding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tbody><=
tr><td style=3D"vertical-align:top;padding-top:0;padding-right:0;padding-bo=
ttom:0;padding-left:0;"><table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr><td style=3D"font-si=
ze:0px;padding:20px 0;padding-top:0;padding-right:0;padding-bottom:0;paddin=
g-left:0;word-break:break-word;"><!--[if mso | IE]><table align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"" role=3D"present=
ation" style=3D"width:540px;" width=3D"540" ><tr><td style=3D"line-height:0=
px;font-size:0px;mso-line-height-rule:exactly;"><![endif]--><div style=3D"m=
argin:0px auto;max-width:540px;"><table align=3D"center" border=3D"0" cellp=
adding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"width:100%;">=
<tbody><tr><td style=3D"direction:ltr;font-size:0px;padding:20px 0;padding-=
bottom:0;padding-left:0;padding-right:0;padding-top:0;text-align:center;"><=
!--[if mso | IE]><table role=3D"presentation" border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0"><tr><td class=3D"" style=3D"vertical-align:top;width:27=
0px;" ><![endif]--><div class=3D"mj-column-per-50 mj-outlook-group-fix" sty=
le=3D"font-size:0px;text-align:left;direction:ltr;display:inline-block;vert=
ical-align:top;width:100%;"><table border=3D"0" cellpadding=3D"0" cellspaci=
ng=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr><td style=3D"verti=
cal-align:top;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0=
;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presenta=
tion" width=3D"100%"><tbody><tr><td align=3D"left" class=3D"pad-0 pad-0-d t=
ext-align-center" style=3D"font-size:0px;padding:10px 25px;padding-top:13px=
;padding-right:0;padding-bottom:0;padding-left:0;word-break:break-word;"><t=
able border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation"=
 style=3D"border-collapse:separate;width:230px;line-height:100%;"><tbody><t=
r><td align=3D"center" bgcolor=3D"#00175a" role=3D"presentation" style=3D"b=
order:1px solid #00175a;border-radius:5px;cursor:auto;mso-padding-alt:8px 2=
5px;background:#00175a;" valign=3D"middle"><a href=3D"https://go.amex/HK14p=
d=3Fcomm_track_id=3Dr_CST-WCC-AMER67442a01136c1_1_c" style=3D"display:inlin=
e-block;width:178px;background:#00175a;color:#ffffff;font-family:Helvetica,=
 Arial, Roboto, sans-serif;font-size:15px;font-weight:400;line-height:22px;=
margin:0;text-decoration:none;text-transform:none;padding:8px 25px;mso-padd=
ing-alt:0px;border-radius:5px;" target=3D"_blank">Learn more</a></td></tr><=
/tbody></table></td></tr></tbody></table></td></tr></tbody></table></div><!=
--[if mso | IE]></td><td class=3D"pad-2-t-outlook" style=3D"vertical-align:=
top;width:270px;" ><![endif]--><div class=3D"mj-column-per-50 mj-outlook-gr=
oup-fix pad-2-t" style=3D"font-size:0px;text-align:left;direction:ltr;displ=
ay:inline-block;vertical-align:top;width:100%;"><table border=3D"0" cellpad=
ding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tbody><t=
r><td style=3D"vertical-align:top;padding-top:0;padding-right:0;padding-bot=
tom:0;padding-left:0;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D=
"0" role=3D"presentation" width=3D"100%"><tbody><tr><td align=3D"right" cla=
ss=3D"pad-0 pad-0-d text-align-center" style=3D"font-size:0px;padding:10px =
25px;padding-top:13px;padding-right:0;padding-bottom:0;padding-left:0;word-=
break:break-word;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"border-collapse:separate;width:230px;line-he=
ight:100%;"><tbody><tr><td align=3D"center" bgcolor=3D"#ffffff" role=3D"pre=
sentation" style=3D"border:1px solid #00175a;border-radius:5px;cursor:auto;=
mso-padding-alt:8px 25px;background:#ffffff;" valign=3D"middle"><a href=3D"=
https://m.amex/chat=3Fcomm_track_id=3Dr_CST-WCC-AMER67442a01136c1_1_c" styl=
e=3D"display:inline-block;width:178px;background:#ffffff;color:#00175a;font=
-family:Helvetica, Arial, Roboto, sans-serif;font-size:15px;font-weight:400=
;line-height:22px;margin:0;text-decoration:none;text-transform:none;padding=
:8px 25px;mso-padding-alt:0px;border-radius:5px;" target=3D"_blank">Chat wi=
th us</a></td></tr></tbody></table></td></tr></tbody></table></td></tr></tb=
ody></table></div><!--[if mso | IE]></td></tr></table><![endif]--></td></tr=
></tbody></table></div><!--[if mso | IE]></td></tr></table><![endif]--></td=
></tr></tbody></table></td></tr></tbody></table></div><!--[if mso | IE]></t=
d></tr></table><![endif]--></td></tr></tbody></table></div><!--[if mso | IE=
]></td></tr></table></td></tr><tr><td class=3D"" width=3D"620px" ><table al=
ign=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"" =
role=3D"presentation" style=3D"width:620px;" width=3D"620" ><tr><td style=
=3D"line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-=
-><div style=3D"margin:0px auto;max-width:620px;"><table align=3D"center" b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=
=3D"width:100%;"><tbody><tr><td style=3D"direction:ltr;font-size:0px;paddin=
g:20px 0;padding-bottom:10px;padding-left:40px;padding-right:40px;padding-t=
op:10px;text-align:center;"><!--[if mso | IE]><table role=3D"presentation" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0"><tr><td class=3D"pad-0-out=
look text-align-center-outlook" style=3D"" ><table align=3D"center" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"pad-0-outlook text-alig=
n-center-outlook" role=3D"presentation" style=3D"width:540px;" width=3D"540=
" ><tr><td style=3D"line-height:0px;font-size:0px;mso-line-height-rule:exac=
tly;"><![endif]--><div class=3D"pad-0 text-align-center" style=3D"margin:0p=
x auto;max-width:540px;"><table align=3D"center" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"width:100%;"><tbody=
><tr><td style=3D"direction:ltr;font-size:0px;padding:20px 0;padding-bottom=
:0;padding-left:0;padding-right:0;padding-top:0;text-align:center;"><!--[if=
 mso | IE]><table role=3D"presentation" border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0"><tr><td class=3D"" width=3D"540px" ><table align=3D"center" b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"" role=3D"presenta=
tion" style=3D"width:540px;" width=3D"540" ><tr><td style=3D"line-height:0p=
x;font-size:0px;mso-line-height-rule:exactly;"><![endif]--><div style=3D"ma=
rgin:0px auto;max-width:540px;"><table align=3D"center" border=3D"0" cellpa=
dding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"width:100%;"><=
tbody><tr><td style=3D"direction:ltr;font-size:0px;padding:20px 0;padding-b=
ottom:0;padding-left:0;padding-right:0;padding-top:0;text-align:center;"><!=
--[if mso | IE]><table role=3D"presentation" border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0"><tr><td class=3D"" style=3D"vertical-align:top;width:540=
px;" ><![endif]--><div class=3D"mj-column-per-100 mj-outlook-group-fix" sty=
le=3D"font-size:0px;text-align:left;direction:ltr;display:inline-block;vert=
ical-align:top;width:100%;"><table border=3D"0" cellpadding=3D"0" cellspaci=
ng=3D"0" role=3D"presentation" style=3D"vertical-align:top;" width=3D"100%"=
><tbody><tr><td align=3D"left" class=3D"text-align-left" style=3D"font-size=
:0px;padding:10px 25px;padding-top:0;padding-right:0;padding-bottom:0;paddi=
ng-left:0;word-break:break-word;"><div style=3D"font-family:&quot;Helvetica=
 Neue&quot;, Roboto, Helvetica, sans-serif;font-size:16px;font-weight:bold;=
line-height:24px;text-align:left;color:#333333;"><p style=3D"margin:0 0 0 0=
px" role=3D"heading" aria-level=3D"3">Your Account Summary</p></div></td></=
tr></tbody></table></div><!--[if mso | IE]></td></tr></table><![endif]--></=
td></tr></tbody></table></div><!--[if mso | IE]></td></tr></table></td></tr=
><tr><td class=3D"" width=3D"540px" ><table align=3D"center" border=3D"0" c=
ellpadding=3D"0" cellspacing=3D"0" class=3D"" role=3D"presentation" style=
=3D"width:540px;" width=3D"540" ><tr><td style=3D"line-height:0px;font-size=
:0px;mso-line-height-rule:exactly;"><![endif]--><div style=3D"margin:0px au=
to;max-width:540px;"><table align=3D"center" border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0" role=3D"presentation" style=3D"width:100%;"><tbody><tr><=
td style=3D"direction:ltr;font-size:0px;padding:20px 0;padding-bottom:20px;=
padding-left:0;padding-right:0;padding-top:20px;text-align:center;"><!--[if=
 mso | IE]><table role=3D"presentation" border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0"><tr><td class=3D"" style=3D"" ><table align=3D"center" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"" role=3D"presentation"=
 style=3D"width:540px;" width=3D"540" ><tr><td style=3D"line-height:0px;fon=
t-size:0px;mso-line-height-rule:exactly;"><![endif]--><div style=3D"margin:=
0px auto;max-width:540px;"><table align=3D"center" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"width:100%;"><tbody=
><tr><td style=3D"direction:ltr;font-size:0px;padding:20px 0;padding-bottom=
:0;padding-left:0;padding-right:0;padding-top:0;text-align:center;"><!--[if=
 mso | IE]><table role=3D"presentation" border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0"><tr><td class=3D"" width=3D"540px" ><table align=3D"center" b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"" role=3D"presenta=
tion" style=3D"width:540px;" width=3D"540" ><tr><td style=3D"line-height:0p=
x;font-size:0px;mso-line-height-rule:exactly;"><![endif]--><div style=3D"ma=
rgin:0px auto;max-width:540px;"><table align=3D"center" border=3D"0" cellpa=
dding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"width:100%;"><=
tbody><tr><td style=3D"border-bottom:1px solid #c8c9c7;border-top:1px solid=
 #c8c9c7;direction:ltr;font-size:0px;padding:20px 0;padding-bottom:0;paddin=
g-left:0;padding-right:0;padding-top:0;text-align:center;"><!--[if mso | IE=
]><table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0"><tr><td class=3D"" style=3D"vertical-align:top;width:270px;" ><![end=
if]--><div class=3D"mj-column-per-50 mj-outlook-group-fix" style=3D"font-si=
ze:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:to=
p;width:100%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation" width=3D"100%"><tbody><tr><td style=3D"vertical-align:top=
;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;"><table bor=
der=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=
=3D"100%"><tbody><tr><td align=3D"left" class=3D"pad-0 text-align-center pa=
d-2-t" style=3D"font-size:0px;padding:10px 25px;padding-top:10px;padding-ri=
ght:40px;padding-bottom:0;padding-left:60px;word-break:break-word;"><div st=
yle=3D"font-family:&quot;Helvetica Neue&quot;, Roboto, Helvetica, sans-seri=
f;font-size:15px;font-weight:bold;line-height:22px;text-align:left;color:#0=
06fcf;"><p style=3D"margin:0 0 0 0px">Account Ending:</p></div></td></tr><t=
r><td align=3D"left" class=3D"pad-0 pad-0-b text-align-center" style=3D"fon=
t-size:0px;padding:10px 25px;padding-top:0;padding-right:40px;padding-botto=
m:10px;padding-left:60px;word-break:break-word;"><div style=3D"font-family:=
&quot;Helvetica Neue&quot;, Roboto, Helvetica, sans-serif;font-size:15px;fo=
nt-weight:bold;line-height:22px;text-align:left;color:#006fcf;"><p style=3D=
"margin:0 0 0 0px">114008</p></div></td></tr></tbody></table></td></tr></tb=
ody></table></div><!--[if mso | IE]></td><td class=3D"" style=3D"vertical-a=
lign:top;width:270px;" ><![endif]--><div class=3D"mj-column-per-50 mj-outlo=
ok-group-fix" style=3D"font-size:0px;text-align:left;direction:ltr;display:=
inline-block;vertical-align:top;width:100%;"><table border=3D"0" cellpaddin=
g=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr><=
td style=3D"vertical-align:top;padding-top:0;padding-right:0;padding-bottom=
:0;padding-left:0;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=
 role=3D"presentation" width=3D"100%"><tbody><tr><td align=3D"left" class=
=3D"pad-0 text-align-center" style=3D"font-size:0px;padding:10px 25px;paddi=
ng-top:10px;padding-right:60px;padding-bottom:10px;padding-left:40px;word-b=
reak:break-word;"><div style=3D"font-family:&quot;Helvetica Neue&quot;, Rob=
oto, Helvetica, sans-serif;font-size:15px;font-weight:bold;line-height:22px=
;text-align:left;color:#333333;"><p style=3D"margin:0 0 0 0px">Past Due/Tot=
al Due:</p></div></td></tr><tr><td align=3D"left" class=3D"pad-0 pad-2-b te=
xt-align-center" style=3D"font-size:0px;padding:10px 25px;padding-top:0;pad=
ding-right:60px;padding-bottom:10px;padding-left:40px;word-break:break-word=
;"><div style=3D"font-family:&quot;Helvetica Neue&quot;, Roboto, Helvetica,=
 sans-serif;font-size:13px;font-weight:400;line-height:20px;text-align:left=
;color:#53565a;"><p style=3D"margin:0 0 0 0px">$574.46/$728.01</p></div></t=
d></tr></tbody></table></td></tr></tbody></table></div><!--[if mso | IE]></=
td></tr></table><![endif]--></td></tr></tbody></table></div><!--[if mso | I=
E]></td></tr></table></td></tr></table><![endif]--></td></tr></tbody></tabl=
e></div><!--[if mso | IE]></td></tr></table></td></tr></table><![endif]--><=
/td></tr></tbody></table></div><!--[if mso | IE]></td></tr></table></td></t=
r></table><![endif]--></td></tr></tbody></table></div><!--[if mso | IE]></t=
d></tr></table></td></tr></table><![endif]--></td></tr></tbody></table></di=
v><!--[if mso | IE]></td></tr></table></td></tr><tr><td class=3D"" width=3D=
"620px" ><table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"" role=3D"presentation" style=3D"width:620px;" width=3D"620=
" bgcolor=3D"#006fcf" ><tr><td style=3D"line-height:0px;font-size:0px;mso-l=
ine-height-rule:exactly;"><![endif]--><div style=3D"background:#006fcf;back=
ground-color:#006fcf;margin:0px auto;max-width:620px;"><table align=3D"cent=
er" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"background:#006fcf;background-color:#006fcf;width:100%;"><tbody><t=
r><td style=3D"direction:ltr;font-size:0px;padding:20px 0;padding-bottom:0;=
padding-left:0;padding-right:0;padding-top:0;text-align:center;"><!--[if ms=
o | IE]><table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0"><tr><td class=3D"text-align-center-outlook" style=3D"vertical-al=
ign:middle;width:NaNpx;" ><![endif]--><div class=3D"mj-column-px-NaN mj-out=
look-group-fix text-align-center" style=3D"font-size:0px;text-align:left;di=
rection:ltr;display:inline-block;vertical-align:middle;width:100%;"><table =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" widt=
h=3D"100%"><tbody><tr><td style=3D"vertical-align:middle;padding-top:20px;p=
adding-right:0;padding-bottom:20px;padding-left:0;"><table border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tbod=
y><tr><td align=3D"center" style=3D"font-size:0px;padding:10px 25px;padding=
-top:0;padding-right:0;padding-bottom:0;padding-left:0;word-break:break-wor=
d;"><div style=3D"font-family:&quot;Helvetica Neue&quot;, Roboto, Helvetica=
, sans-serif;font-size:16px;font-weight:bold;line-height:24px;text-align:ce=
nter;color:#ffffff;"><p style=3D"margin:0 0 0 0px" role=3D"heading" aria-le=
vel=3D"3">Helpful links</p></div></td></tr></tbody></table></td></tr></tbod=
y></table></div><!--[if mso | IE]></td></tr></table><![endif]--></td></tr><=
/tbody></table></div><!--[if mso | IE]></td></tr></table></td></tr><tr><td =
class=3D"ada-list-outlook" width=3D"620px" ><table align=3D"center" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"ada-list-outlook" role=
=3D"presentation" style=3D"width:620px;" width=3D"620" ><tr><td style=3D"li=
ne-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]--><div=
 class=3D"ada-list" style=3D"margin:0px auto;max-width:620px;"><table align=
=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presen=
tation" style=3D"width:100%;"><tbody><tr><td style=3D"direction:ltr;font-si=
ze:0px;padding:20px 0;padding-bottom:40px;padding-left:30px;padding-right:3=
0px;padding-top:40px;text-align:center;" role=3D"list"><!--[if mso | IE]><t=
able role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=
><tr><td class=3D"pad-0-outlook pad-4-b-outlook" style=3D"vertical-align:to=
p;width:186.66666666666669px;" ><![endif]--><div class=3D"mj-column-per-33-=
333333333333336 mj-outlook-group-fix pad-0 pad-4-b" style=3D"font-size:0px;=
text-align:left;direction:ltr;display:inline-block;vertical-align:top;width=
:100%;" role=3D"listitem"><table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr><td style=3D"vertica=
l-align:top;padding-top:0;padding-right:10px;padding-bottom:0;padding-left:=
10px;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pres=
entation" width=3D"100%"><tbody><tr><td align=3D"center" style=3D"font-size=
:0px;padding:10px 25px;padding-top:0;padding-right:0;padding-bottom:0;paddi=
ng-left:0;word-break:break-word;"><table border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" role=3D"presentation" style=3D"border-collapse:collapse;bord=
er-spacing:0px;"><tbody><tr><td style=3D"width:48px;"><a href=3D"https://go=
.amex/F6FKSD=3Fcomm_track_id=3Dr_CST-WCC-AMER67442a01136c1_1_c" target=3D"=
_blank"><img alt=3D"Alternate Text" src=3D"https://cdaas.americanexpress.co=
m/akamai/axp/comms/icons/eds-library/blue-box/blue-48px/lock-blue.png" styl=
e=3D"border:0;display:block;outline:none;text-decoration:none;height:48px;w=
idth:100%;font-size:13px;" width=3D"48" height=3D"48"></a></td></tr></tbody=
></table></td></tr><tr><td align=3D"center" class=3D"pad-4-lr" style=3D"fon=
t-size:0px;padding:10px 25px;padding-top:15px;padding-right:0;padding-botto=
m:0;padding-left:0;word-break:break-word;"><div style=3D"font-family:Helvet=
ica, Arial, Roboto, sans-serif;font-size:15px;font-weight:400;line-height:2=
2px;text-align:center;color:#006fcf;"><a href=3D"https://go.amex/F6FKSD=3Fc=
omm_track_id=3Dr_CST-WCC-AMER67442a01136c1_1_c" style=3D"text-decoration:no=
ne;color:#006fcf;padding-top:20px;padding-bottom:20px">About your online se=
curity</a></div></td></tr></tbody></table></td></tr></tbody></table></div><=
!--[if mso | IE]></td><td class=3D"pad-0-outlook pad-4-b-outlook" style=3D"=
vertical-align:top;width:186.66666666666669px;" ><![endif]--><div class=3D"=
mj-column-per-33-333333333333336 mj-outlook-group-fix pad-0 pad-4-b" style=
=3D"font-size:0px;text-align:left;direction:ltr;display:inline-block;vertic=
al-align:top;width:100%;" role=3D"listitem"><table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr><t=
d style=3D"vertical-align:top;padding-top:0;padding-right:10px;padding-bott=
om:0;padding-left:10px;"><table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr><td align=3D"center"=
 style=3D"font-size:0px;padding:10px 25px;padding-top:0;padding-right:0;pad=
ding-bottom:0;padding-left:0;word-break:break-word;"><table border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"border-col=
lapse:collapse;border-spacing:0px;"><tbody><tr><td style=3D"width:48px;"><a=
 href=3D"https://m.amex/WRHwFh=3Fcomm_track_id=3Dr_CST-WCC-AMER67442a01136c=
1_1_c" target=3D"_blank"><img alt=3D"Alternate Text" src=3D"https://cdaas.a=
mericanexpress.com/akamai/axp/comms/icons/eds-library/blue-box/blue-48px/mo=
bile-blue.png" style=3D"border:0;display:block;outline:none;text-decoration=
:none;height:48px;width:100%;font-size:13px;" width=3D"48" height=3D"48"></=
a></td></tr></tbody></table></td></tr><tr><td align=3D"center" class=3D"pad=
-4-lr" style=3D"font-size:0px;padding:10px 25px;padding-top:15px;padding-ri=
ght:0;padding-bottom:0;padding-left:0;word-break:break-word;"><div style=3D=
"font-family:Helvetica, Arial, Roboto, sans-serif;font-size:15px;font-weigh=
t:400;line-height:22px;text-align:center;color:#006fcf;"><a href=3D"https:/=
/m.amex/WRHwFh=3Fcomm_track_id=3Dr_CST-WCC-AMER67442a01136c1_1_c" style=3D"=
text-decoration:none;color:#006fcf;padding-top:20px;padding-bottom:20px">Ge=
t the Amex App</a></div></td></tr></tbody></table></td></tr></tbody></table=
></div><!--[if mso | IE]></td><td class=3D"pad-0-outlook" style=3D"vertical=
-align:top;width:186.66666666666669px;" ><![endif]--><div class=3D"mj-colum=
n-per-33-333333333333336 mj-outlook-group-fix pad-0" style=3D"font-size:0px=
;text-align:left;direction:ltr;display:inline-block;vertical-align:top;widt=
h:100%;" role=3D"listitem"><table border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr><td style=3D"vertic=
al-align:top;padding-top:0;padding-right:10px;padding-bottom:0;padding-left=
:10px;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre=
sentation" width=3D"100%"><tbody><tr><td align=3D"center" style=3D"font-siz=
e:0px;padding:10px 25px;padding-top:0;padding-right:0;padding-bottom:0;padd=
ing-left:0;word-break:break-word;"><table border=3D"0" cellpadding=3D"0" ce=
llspacing=3D"0" role=3D"presentation" style=3D"border-collapse:collapse;bor=
der-spacing:0px;"><tbody><tr><td style=3D"width:48px;"><a href=3D"https://m=
.amex/QMNC5Q=3Fcomm_track_id=3Dr_CST-WCC-AMER67442a01136c1_1_c" target=3D"=
_blank"><img alt=3D"Alternate Text" src=3D"https://cdaas.americanexpress.co=
m/akamai/axp/comms/icons/eds-library/blue-box/blue-48px/telephone-blue.png"=
 style=3D"border:0;display:block;outline:none;text-decoration:none;height:4=
8px;width:100%;font-size:13px;" width=3D"48" height=3D"48"></a></td></tr></=
tbody></table></td></tr><tr><td align=3D"center" class=3D"pad-4-lr" style=
=3D"font-size:0px;padding:10px 25px;padding-top:15px;padding-right:0;paddin=
g-bottom:0;padding-left:0;word-break:break-word;"><div style=3D"font-family=
:Helvetica, Arial, Roboto, sans-serif;font-size:15px;font-weight:400;line-h=
eight:22px;text-align:center;color:#006fcf;"><a href=3D"https://m.amex/QMNC=
5Q=3Fcomm_track_id=3Dr_CST-WCC-AMER67442a01136c1_1_c" style=3D"text-decorat=
ion:none;color:#006fcf;padding-top:20px;padding-bottom:20px">View your acco=
unt online</a></div></td></tr></tbody></table></td></tr></tbody></table></d=
iv><!--[if mso | IE]></td></tr></table><![endif]--></td></tr></tbody></tabl=
e></div><!--[if mso | IE]></td></tr></table></td></tr><tr><td class=3D"" wi=
dth=3D"620px" ><table align=3D"center" border=3D"0" cellpadding=3D"0" cells=
pacing=3D"0" class=3D"" role=3D"presentation" style=3D"width:620px;" width=
=3D"620" bgcolor=3D"#00175a" ><tr><td style=3D"line-height:0px;font-size:0p=
x;mso-line-height-rule:exactly;"><![endif]--><div style=3D"background:#0017=
5a;background-color:#00175a;margin:0px auto;max-width:620px;"><table align=
=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presen=
tation" style=3D"background:#00175a;background-color:#00175a;width:100%;"><=
tbody><tr><td style=3D"direction:ltr;font-size:0px;padding:20px 0;padding-b=
ottom:20px;padding-left:0;padding-right:0;padding-top:20px;text-align:cente=
r;"><!--[if mso | IE]><table role=3D"presentation" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0"><tr><td class=3D"" style=3D"vertical-align:top;wid=
th:620px;" ><![endif]--><div class=3D"mj-column-per-100 mj-outlook-group-fi=
x" style=3D"font-size:0px;text-align:left;direction:ltr;display:inline-bloc=
k;vertical-align:top;width:100%;"><table border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr><td style=3D=
"vertical-align:top;padding-top:0;padding-right:0;padding-bottom:0;padding-=
left:0;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pr=
esentation" width=3D"100%"><tbody><tr><td align=3D"center" class=3D"image-a=
lt-text-white dls-tagline-blue-sm" style=3D"font-size:0px;padding:10px 25px=
;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;word-break:b=
reak-word;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D=
"presentation" style=3D"border-collapse:collapse;border-spacing:0px;"><tbod=
y><tr><td style=3D"width:240px;"><img alt src style=3D"color: #fff; border:=
 0; display: block; outline: none; text-decoration: none; height: auto; wid=
th: 100%; font-size: 13px;" width=3D"240" height=3D"auto"></td></tr></tbody=
></table></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></td></tr><tr><td class=3D"ada-list-outloo=
k -outlook" width=3D"620px" ><table align=3D"center" border=3D"0" cellpaddi=
ng=3D"0" cellspacing=3D"0" class=3D"ada-list-outlook -outlook" role=3D"pres=
entation" style=3D"width:620px;" width=3D"620" ><tr><td style=3D"line-heigh=
t:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]--><div class=
=3D"ada-list" style=3D"margin:0px auto;max-width:620px;"><table align=3D"ce=
nter" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation=
" style=3D"width:100%;"><tbody><tr><td style=3D"direction:ltr;font-size:0px=
;padding:20px 0;padding-bottom:0;padding-left:0;padding-right:0;padding-top=
:0;text-align:center;" role=3D"list"><!--[if mso | IE]><table role=3D"prese=
ntation" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"><tr><td class=3D"=
text-align-center-outlook nav-bar-border-b-outlook" style=3D"vertical-align=
:middle;width:310px;" ><![endif]--><div class=3D"mj-column-per-50 mj-outloo=
k-group-fix text-align-center nav-bar-border-b" style=3D"font-size:0px;text=
-align:left;direction:ltr;display:inline-block;vertical-align:middle;width:=
100%;" role=3D"listitem"><table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr><td style=3D"vertica=
l-align:middle;padding-top:0;padding-right:0;padding-bottom:0;padding-left:=
0;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"present=
ation" width=3D"100%"><tbody><tr><td align=3D"center" class=3D"pad-4-lr pad=
-2-tb text-align-center" style=3D"font-size:0px;padding:10px 25px;padding-t=
op:20px;padding-right:20px;padding-bottom:20px;padding-left:40px;word-break=
:break-word;"><div style=3D"font-family:Helvetica, Arial, Roboto, sans-seri=
f;font-size:15px;font-weight:400;line-height:22px;text-align:center;color:#=
000000;"><a href=3D"https://m.amex/2ftFYw=3Fcomm_track_id=3Dr_CST-WCC-AMER6=
7442a01136c1_1_c" style=3D"padding-top:20px;padding-bottom:20px;padding-lef=
t:0;padding-right:0;color:#006fcf;align:center;text-decoration:none">Privac=
y statement</a></div></td></tr></tbody></table></td></tr></tbody></table></=
div><!--[if mso | IE]></td><td class=3D"text-align-center-outlook nav-bar-b=
order-b-outlook" style=3D"vertical-align:middle;width:310px;" ><![endif]-->=
<div class=3D"mj-column-per-50 mj-outlook-group-fix text-align-center nav-b=
ar-border-b" style=3D"font-size:0px;text-align:left;direction:ltr;display:i=
nline-block;vertical-align:middle;width:100%;" role=3D"listitem"><table bor=
der=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=
=3D"100%"><tbody><tr><td style=3D"vertical-align:middle;padding-top:0;paddi=
ng-right:0;padding-bottom:0;padding-left:0;"><table border=3D"0" cellpaddin=
g=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr><=
td align=3D"center" class=3D"pad-4-lr pad-2-tb text-align-center" style=3D"=
font-size:0px;padding:10px 25px;padding-top:20px;padding-right:20px;padding=
-bottom:20px;padding-left:20px;word-break:break-word;"><div style=3D"font-f=
amily:Helvetica, Arial, Roboto, sans-serif;font-size:15px;font-weight:400;l=
ine-height:22px;text-align:center;color:#000000;"><a href=3D"https://intgpc=
cnfs.americanexpress.com/gpc/preferencemenagement.do=3Frltnship=3DF0000592&=
frmwk=3D30&ln=3DEN&mkt=3DUS&pqual=3D01&ent=3D1001&entfrmt=3DSTD&preflist=3D=
1&pref=3DSSTECRCO&add=3DRVN_PSV_E3256c0xLVP4Sby8cp+JQQwKwb/w09CwUx06SOexHWd=
KpeRoDGoCzGkRrHD8w8EV3F9breSTmmkCJiMTbsA16vzN1EkBFoUrqcc9+QX3mrVnBqWb97nuNt=
FaC8N5I62p8CpB/CIGF6FT62En7tWayHvrqRMdx4JnZHrr5ZXsPwb/Mqrk1kmEVvw/TRoZHRRd1=
KWHqM6YIxvsMN+YurI14W8vcjUkjE+qz5LJMyiYflHVzpHKIub9Yk9tgROO7jRr2CFyDzqGxLrg=
vKr1A+2E0uyIZqJy6gWynbDCpDzSydITSgd5/ktgDShscEFFFjdt2ziiFvA5Ii+/CUdvf/REqf0=
3Pc8B4fX5+dDiBKfFNOrwxaCyCYkvEQBhe+nQG+g+ZUDy0TMdD8S1hdUdMN8JTD6fm+HDKIPPOu=
kvGXAWIs7Bm59M5W4Q=3D&entval=3DRVN_PSV_E3256+w8IioAoCxATYartHOfkwiq8xOptJkM=
jgfM2zTeUH8myH+Kj156NT9pNaDsxMGKHpiZpOV/DSozYxSTSuLhya4VYrfH/syWhwHxIH7A70l=
24RQR8+e8JfTja4OelCqUCM/g31Rlh29rXIBdBSjx+EtieqfztA8dQ3PORVLKW7ZhRSPYRop0uZ=
3zWzHR3H6akPhd4u+AxNpLv+FWILpeA19h1/QaajQl/i/Wp6AQPeNrKHh6SAhlAmQE7yTqtHwmF=
yg1spqoBZFCriZstrZCpIebtDs/PifKlpRUAUMZG3mpz76H0iApfMHbJHZ33byRS9UZRcnVpoVb=
S1NMlAbujEiRBlC0+t2Mxba7votI7Hsx6waP2W+qF8sJ+Y0/d3/iZbN/C" style=3D"padding=
-top:20px;padding-bottom:20px;padding-left:0;padding-right:0;color:#006fcf;=
align:center;text-decoration:none">Unsubscribe</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></t=
able></td></tr><tr><td class=3D"" width=3D"620px" ><table align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"" role=3D"present=
ation" style=3D"width:620px;" width=3D"620" bgcolor=3D"#d9d9d6" ><tr><td st=
yle=3D"line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endi=
f]--><div style=3D"background:#d9d9d6;background-color:#d9d9d6;margin:0px a=
uto;max-width:620px;"><table align=3D"center" border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" role=3D"presentation" style=3D"background:#d9d9d6;backg=
round-color:#d9d9d6;width:100%;"><tbody><tr><td style=3D"direction:ltr;font=
-size:0px;padding:20px 0;padding-bottom:10px;padding-left:0;padding-right:0=
;padding-top:10px;text-align:center;"><!--[if mso | IE]><table role=3D"pres=
entation" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"><tr><td class=3D=
"" style=3D"vertical-align:top;width:620px;" ><![endif]--><div class=3D"mj-=
column-per-100 mj-outlook-group-fix" style=3D"font-size:0px;text-align:left=
;direction:ltr;display:inline-block;vertical-align:top;width:100%;"><table =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" widt=
h=3D"100%"><tbody><tr><td style=3D"vertical-align:top;padding-top:0;padding=
-right:0;padding-bottom:0;padding-left:0;"><table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"><tbody><tr><t=
d align=3D"left" style=3D"font-size:0px;padding:10px 25px;padding-top:0;pad=
ding-right:0;padding-bottom:10px;padding-left:0;word-break:break-word;"><di=
v style=3D"font-family:&quot;Helvetica Neue&quot;, Roboto, Helvetica, sans-=
serif;font-size:13px;font-weight:400;line-height:20px;text-align:left;color=
:#53565a;"><p style=3D"margin:0 0 0 0px">Your account information is includ=
ed above to help you recognize this as an email from American Express. Plea=
se do not reply to this message, as this inbox is unmonitored. If you need =
assistance, call the number on the back of your Card or visit us at <a href=
=3D"https://m.amex/Xkj2zB=3Fcomm_track_id=3Dr_CST-WCC-AMER67442a01136c1_1_c=
" style=3D"color:#53565a;font-family:&quot;Helvetica Neue&quot;, Roboto, He=
lvetica, sans-serif;font-size:13px;font-weight:400;line-height:20px;text-de=
coration:underline">Customer Care</a>.</p><p style=3D"margin:0 0 0 0px">=C2=
=A0</p><p style=3D"margin:0 0 0 0px">For tips on spotting fraud and scams =
=E2=80=93 or to report a suspicious message =E2=80=93 visit our <a href=3D"=
https://go.amex/F6FKSD=3Fcomm_track_id=3Dr_CST-WCC-AMER67442a01136c1_1_c" s=
tyle=3D"color:#53565a;font-family:&quot;Helvetica Neue&quot;, Roboto, Helve=
tica, sans-serif;font-size:13px;font-weight:400;line-height:20px;text-decor=
ation:underline">Security Center</a>. You can also forward any suspicious e=
mails to <a href=3D"tjphuhs@gmail.com" style=3D"color:#53565a;font-family:&=
quot;Helvetica Neue&quot;, Roboto, Helvetica, sans-serif;font-size:13px;fon=
t-weight:400;line-height:20px;text-decoration:underline">spoof@americanexpr=
ess.com</a>.</p></div></td></tr><tr><td align=3D"left" style=3D"font-size:0=
px;padding:10px 25px;padding-top:0;padding-right:0;padding-bottom:0;padding=
-left:0;word-break:break-word;"><div style=3D"font-family:&quot;Helvetica N=
eue&quot;, Roboto, Helvetica, sans-serif;font-size:13px;font-weight:400;lin=
e-height:20px;text-align:left;color:#53565a;"><p style=3D"margin:0 0 0 0px"=
>*Eligibility for Card reinstatement will be determined upon Program enroll=
ment.</p><p style=3D"margin:0 0 0 0px">=C2=A0</p><p style=3D"margin:0 0 0 0=
px"><strong>**American Express Financial Relief Program Terms &amp; Conditi=
ons:</strong></p><p style=3D"margin:0 0 0 0px">=C2=A0</p><p style=3D"margin=
:0 0 0 0px"><strong>Program Overview</strong></p><p style=3D"margin:0 0 0 0=
px">=E2=80=A2 Eligible Card Members may request to enroll in an American Ex=
press Financial Relief Program (the =E2=80=9CProgram=E2=80=9D) by calling 1=
-866-703-4169 or chatting with us online. The payment plan can provide reli=
ef benefits for 48 months. We will determine your eligibility for the Progr=
am upon your request to enroll, based on factors including delinquency stat=
us, prior enrollment in the Program or the balance on your Card account. Af=
ter the Reduced APR Period, your APR will resume in accordance with your Ca=
rdmember Agreement.</p><p style=3D"margin:0 0 0 0px">=E2=80=A2 Terms &amp; =
conditions including Program duration and eligibility requirements are subj=
ect to change.</p><p style=3D"margin:0 0 0 0px">=C2=A0</p><p style=3D"margi=
n:0 0 0 0px"><strong>Program Relief Benefits</strong></p><p style=3D"margin=
:0 0 0 0px">While enrolled in the Program, you will have access to the foll=
owing benefits:</p><p style=3D"margin:0 0 0 0px">=E2=80=A2 Your minimum mon=
thly payment due may be reduced. The Program monthly payment amount will be=
 disclosed to you at enrollment.</p><p style=3D"margin:0 0 0 0px">=E2=80=A2=
 Your Card account will be subject to a reduced APR for balances subject to=
 an interest rate, unless you have an APR that is lower than the Program AP=
R, in which case the lower APR will apply until that APR expires (if that r=
ate has an expiration).</p><p style=3D"margin:0 0 0 0px">=E2=80=A2 We will =
waive any late payment fee(s) or returned payment fee(s).</p><p style=3D"ma=
rgin:0 0 0 0px">=C2=A0</p><p style=3D"margin:0 0 0 0px"><strong>Program Req=
uirements</strong></p><p style=3D"margin:0 0 0 0px">In order to maintain al=
l the benefits of the Program, you must comply with the Program Terms, whic=
h will be communicated to you at enrollment, and which will include the req=
uirements that:</p><p style=3D"margin:0 0 0 0px">=E2=80=A2 Monthly Program =
Payments for your American Express Card and/or Loan account(s) enrolled in =
the Program must be made in accordance with the terms of the Program.</p><p=
 style=3D"margin:0 0 0 0px">=E2=80=A2 If you do not make Monthly Program Pa=
yments by the following statement closing date (on consecutive billing cycl=
es) on any of your enrolled Card or Loan account(s), you may be removed fro=
m the Program.</p><p style=3D"margin:0 0 0 0px">=C2=A0</p><p style=3D"margi=
n:0 0 0 0px"><strong>If your account is being reported to credit bureaus:</=
strong></p><p style=3D"margin:0 0 0 0px">=E2=80=A2 If you are enrolled in t=
he Program, we may inform the consumer credit bureaus that you are particip=
ating in a payment plan, which will not directly impact your credit score, =
but will be visible to other lenders.</p><p style=3D"margin:0 0 0 0px">=E2=
=80=A2 If you do not comply with the Program terms, we will report that sta=
tus, which may negatively impact your credit score.</p><p style=3D"margin:0=
 0 0 0px">=E2=80=A2 If you make your Program payments on time and your acco=
unt is currently past due, it may continue to be reported as past due but w=
ill not be reported any further past due.</p></div></td></tr><tr><td align=
=3D"left" style=3D"font-size:0px;padding:10px 25px;padding-top:10px;padding=
-right:0;padding-bottom:0;padding-left:0;word-break:break-word;"><div style=
=3D"font-family:&quot;Helvetica Neue&quot;, Roboto, Helvetica, sans-serif;f=
ont-size:13px;font-weight:400;line-height:20px;text-align:left;color:#53565=
a;"><p style=3D"margin:0 0 0 0px">=C2=A9 2026 American Express. All rights =
reserved.</p><p style=3D"margin:0 0 0 0px">=C2=A0</p><p style=3D"margin:0 0=
 0 0px">SCC0CTA019</p></div></td></tr><tr><td align=3D"left" style=3D"font-=
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