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To: tjphuhs@gmail.com
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Date: Thu, 14 May 2026 20:23:08 +0000
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Reply-To: support@wecanhelp.americanexpress.com
Subject: Offer to resolve your account balance.
From: "American Express" <support@wecanhelp.americanexpress.com>

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mericanexpress.com/q/N1Hdp60hwnA_iQ2Mb2x5kg~~/AARl2BA~/NF-PUC0e-bBFwqp53fMr=
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=3D"color: rgb(234, 234, 234); overflow: hidden; font-size: 1px; max-height=
: 0px; max-width: 0px; opacity: 0; display: none !important;">Your opportun=
ity to get Card Membership back.&#847; &zwnj; &nbsp; &#8199; &shy;&#847; &z=
wnj; &nbsp; &#8199; &shy;&#847; &zwnj; &nbsp; &#8199; &shy;&#847; &zwnj; &n=
bsp; &#8199; &shy;&#847; &zwnj; &nbsp; &#8199; &shy;&#847; &zwnj; &nbsp; &#=
8199; &shy;&#847; &zwnj; &nbsp; &#8199; &shy;&#847; &zwnj; &nbsp; &#8199; &=
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=C2=AD</div> </div>        <!--End Mobile Header--><!-- Preheader white spa=
ce hack -->        <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0=
" border=3D"0" style=3D"border-collapse: collapse;">            <tbody>    =
            <tr>                    <td align=3D"center" style=3D"border-co=
llapse: collapse; background-color: rgb(240,240,240);">                    =
<div class=3D"wrapper" style=3D"margin: 0px auto; width: 620px;">          =
          <!-- START: BP08 Master B2B Brand Panel -->                    <!=
--[if mso | IE]>                    <table role=3D"presentation" border=3D"=
0" cellpadding=3D"0" cellspacing=3D"0" width=3D"620" align=3D"center" style=
=3D"width:620px;">                        <tr>                            <=
td style=3D"line-height:0px;font-size:0px;mso-line-height-rule:exactly;">  =
                  <![endif]-->                    <div style=3D"background:=
 rgb(255, 255, 255); margin: 0px auto; max-width: 620px;">                 =
   <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" style=
=3D"border-collapse: collapse; font-size: 0px; width: 100%; background-colo=
r: rgb(255, 255, 255);" align=3D"center" border=3D"0">                     =
   <tbody>                            <tr>                                <=
td style=3D"border-collapse: collapse; direction: ltr; font-size: 0px;" ali=
gn=3D"right" valign=3D"top">                                <table role=3D"=
presentation" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" border=3D"=
0" style=3D"border-collapse: collapse;">                                   =
 <tbody>                                        <tr>                       =
                     <!-- <td>&nbsp;</td> -->                              =
              <td style=3D"font-size: 20px; line-height: 20px; height: 20px=
;" class=3D"bp-logo-padding-height">=C2=A0</td>                            =
            </tr>                                        <tr>              =
                              <td class=3D"bp-logo-padding-width" style=3D"=
width: 20px;">=C2=A0</td>                                            <td st=
yle=3D"border-collapse: collapse; font-size: 0px; padding: 0px; word-break:=
 break-word; width: 203px;" valign=3D"top" class=3D"bp-logo-left">         =
                                   <table role=3D"presentation" cellpadding=
=3D"0" cellspacing=3D"0" width=3D"100%" border=3D"0" style=3D"border-collap=
se: collapse;">                                                <tbody>     =
                                               <tr>                        =
                                <td class=3D"bp-logo" style=3D"border-colla=
pse: collapse; width: 60px;">                                              =
                          <a href=3D"#LINK_TO" target=3D"_blank" style=3D"f=
ont-family: helveticaneue, &quot;helvetica neue&quot;, helvetica, arial, sa=
ns-serif;">                                                                =
            <img src=3D"http://image.member.americanexpress.com/lib/fe9c137=
27565067e71/m/4/AMXIMG_250x250_amex_logo.jpg" alt=3D"AMERICAN EXPRESS" titl=
e=3D"American Express Logo" height=3D"auto" style=3D"border: 0px none; colo=
r: rgb(51, 51, 51); display: block; font-family: sans-serif; font-size: 10p=
x; height: 60px; line-height: 100%; outline: none; text-decoration: none; w=
idth: 60px;" width=3D"60" />                                               =
                         </a>                                              =
                      </td>                                                =
        <td style=3D"border-collapse: collapse;">=C2=A0</td>               =
                                     </tr>                                 =
               </tbody>                                            </table>=
                                            </td>                          =
                  <td align=3D"right" style=3D"border-collapse: collapse; w=
idth: 377px;" valign=3D"top" class=3D"bp-logo-right">                      =
                      <table role=3D"presentation" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" style=3D"border-collapse: collapse;">             =
                                   <tbody>                                 =
                   <tr>                                                    =
    <td style=3D"border-collapse: collapse;" valign=3D"top">               =
                                         <table role=3D"presentation" borde=
r=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"border-collapse: colla=
pse;">                                                            <tbody>  =
                                                              <tr>         =
                                                           <td class=3D"bp-=
text" style=3D"border-collapse: collapse; color: rgb(0, 111, 208); cursor: =
auto; font-size: 15px; font-family: helveticaneue, helvetica, arial, sans-s=
erif; line-height: 22px;" align=3D"right" valign=3D"top">                  =
                                                              Account endin=
g: 14008                                                                   =
         </td>                                                             =
   </tr>                                                                <tr=
>                                                                    <td cl=
ass=3D"bp-text" style=3D"border-collapse: collapse; color: rgb(0, 111, 208)=
; cursor: auto; font-size: 15px; font-family: helveticaneue, helvetica, ari=
al, sans-serif; line-height: 22px;" align=3D"right" valign=3D"top">        =
                                                                        Out=
standing Balance: $2,022.28                                                =
                            </td>                                          =
                      </tr>                                                =
            </tbody>                                                       =
 </table>                                                        </td>     =
                                               </tr>                       =
                         </tbody>                                          =
  </table>                                            </td>                =
                            <td class=3D"bp-logo-padding-width" style=3D"wi=
dth: 20px;">=C2=A0</td>                                        </tr>       =
                                 <tr>                                      =
      <td style=3D"font-size: 20px; line-height: 20px; height: 20px;" class=
=3D"bp-logo-padding-height">=C2=A0</td>                                    =
    </tr>                                    </tbody>                      =
          </table>            <table role=3D"presentation" style=3D"backgro=
und: rgb(255, 255, 255); padding-bottom: 20px; padding-left: 10px; padding-=
right: 10px; width: 100%; height: 100%;" cellspacing=3D"0" cellpadding=3D"0=
">                <tbody>                    <tr>                        <t=
d style=3D"padding: 0px 20px; text-align: left; line-height: 18px; font-fam=
ily: helveticaneue, helvetica, arial, sans-serif; font-size: 15px; overflow=
-wrap: break-word;">                                                       =
                                                                           =
                                                 </td>                    <=
/tr>                </tbody>            </table>                           =
  </td>                            </tr>                        </tbody>   =
                 </table>                       </td>                      =
      </tr>                        </tbody>                    </table>    =
                </div>                    <!--[if mso | IE]>               =
     </td></tr></table>                    <![endif]-->                    =
<!-- END: BP08 Master B2B Brand Panel -->                </div>            =
        </td>                </tr>            </tbody>        </table>     =
   <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" s=
tyle=3D"border-collapse: collapse;">            <tbody>                <tr>=
                    <td style=3D"border-collapse: collapse; background-colo=
r: rgb(217, 217, 214);">                    <div class=3D"wrapper" style=3D=
"margin: 0px auto; width: 620px;">                    <!--[if mso | IE]>   =
                 <table role=3D"presentation" border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" width=3D"620" align=3D"center" style=3D"width:620px;"> =
                   <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: 620px;">     =
               <table class=3D"wrapper" role=3D"presentation" cellpadding=
=3D"0" cellspacing=3D"0" style=3D"border-collapse: collapse; font-size: 0px=
; width: 100%; background-color: rgb(255, 255, 255);" align=3D"center" bord=
er=3D"0">                    </table>                    </div>            =
        <!--[if mso | IE]>                    </td></tr></table>           =
         <![endif]-->                </div>                    </td>       =
         </tr>            </tbody>        </table>        <table width=3D"1=
00%" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D"border-colla=
pse: collapse;">            <tbody>                <tr>                    =
<td style=3D"border-collapse: collapse; background-color: rgb(240,240,240);=
">                    <div class=3D"wrapper" style=3D"margin: 0px auto; max=
-width: 620px;">                    <!--[if mso | IE]>                    <=
table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" width=3D"620" align=3D"center" style=3D"width:620px;">                   =
 <tr>                    <td style=3D"line-height:0px;font-size:0px;mso-lin=
e-height-rule:exactly; font-family: arial, helvetica, sans-serif;">        =
            <![endif]-->                    <!-- Start Banner --><div style=
=3D"margin: 0px auto; max-width: 620px;">=0D=0A  <table role=3D"presentatio=
n" style=3D"font-size: 15px; height: 175px; width: 100%; border-collapse: c=
ollapse;"=0D=0A    cellspacing=3D"0" cellpadding=3D"0" border=3D"0">=0D=0A =
   <tbody>=0D=0A      <tr>=0D=0A        <td valign=3D"center" height=3D"265=
" style=3D"background-color: rgb(0, 111, 207); background-size: 625px 265px=
; background-image: url(https://www.americanexpress.com/en-us/support/credi=
t/we-can-help/Images/BannerRibbon.PNG);">=0D=0A          <!--[if gte mso 9]=
>      <v:rect xmlns:v=3D"urn:schemas-microsoft-com:vml" fill=3D"true" stro=
ke=3D"false" style=3D"height:175px; width:620px;">        <v:fill type=3D"t=
ile" src=3D"=0D=0A  https://www.americanexpress.com/en-us/support/credit/we=
-can-help/images/worldservice-tile-brightblue.png"=0D=0A  color=3D"#006fcf"=
 />        <v:textbox inset=3D"0,0,0,0">      <![endif]-->=0D=0A          <=
div>=0D=0A            <table role=3D"presentation" width=3D"100%" cellspaci=
ng=3D"0" cellpadding=3D"0" border=3D"0">=0D=0A              <tbody>=0D=0A  =
              <tr>=0D=0A                  <td=0D=0A                    styl=
e=3D"padding: 20px 40px; font-size: 28px; font-family: helveticaneue, helve=
tica, arial, sans-serif; text-align: left; color: rgb(255, 255, 255); verti=
cal-align: middle; height: 35px;"=0D=0A                    align=3D"center"=
 valign=3D"middle"> Timothy, act now to resolve your=0D=0Abalance, your way=
.</td>=0D=0A                </tr>=0D=0A              </tbody>=0D=0A       =
     </table>=0D=0A            <!--[if gte mso 9]>        </v:textbox>     =
 </v:rect>      <![endif]-->=0D=0A          </div>=0D=0A        </td>=0D=0A=
      </tr>=0D=0A    </tbody>=0D=0A  </table><!-- End Banner --><!-- Start =
UDDISCLOSURE --><table role=3D"presentation" border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0" width=3D"620" align=3D"center" style=3D"width: 620px;"> =
   <tbody>        <tr>            <td style=3D"line-height: 22px; font-size=
: 13px;"> <!--[endif]---->            <table role=3D"presentation" style=3D=
"background: rgb(255, 255, 255); width: 100%; height: 100%;" cellspacing=3D=
"0" cellpadding=3D"0">                <tbody>                    <tr>      =
                  <td style=3D"padding: 10px; text-align: left; line-height=
: 18px; font-family: arial, helvetica, sans-serif; font-size: 15px; overflo=
w-wrap: break-word;">            <strong> </strong>                        =
                            <center>                                       =
                        </center>                                          =
                     </td>                    </tr>                </tbody>=
            </table>            </td>        </tr>    </tbody></table><!-- =
END UDDISCLOSURE --><!-- Start Paragraph 1 --><table role=3D"presentation" =
cellpadding=3D"0" cellspacing=3D"0" style=3D"border-collapse: collapse; fon=
t-size: 0px; width: 100%; background-color: rgb(255, 255, 255); max-width: =
620px;" align=3D"center" border=3D"0">    <tbody>        <tr>            <t=
d style=3D"border-collapse: collapse; direction: ltr; font-size: 0px; paddi=
ng: 0px;" align=3D"left" valign=3D"top">            <table role=3D"presenta=
tion" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" border=3D"0" style=
=3D"border-collapse: collapse;">                <tbody>                    =
<tr>                        <td style=3D"padding: 0px 20px; text-align: lef=
t; line-height: 22px; font-family: helveticaneue, helvetica, arial, sans-se=
rif; overflow-wrap: break-word;">           <p>                <img src=3D"=
https://www.americanexpress.com/en-us/support/credit/we-can-help/Images/par=
tnership-blue.png" alt=3D"Check" style=3D"border: 0px none; height: 35px; l=
ine-height: 100%; outline: none; text-decoration: none; width: 35px;" width=
=3D"20" /></p>                                      <p style=3D"color: rgb(=
51, 51, 51); font-size: 15px; line-height: 22px; text-align: left;"><strong=
>Regain American Express Membership=0D=0A</strong> </p> =0D=0A    <p style=
=3D"color: rgb(51, 51, 51); font-size: 15px; line-height: 22px; text-align:=
 left;">Your outstanding balance doesn=E2=80=99t have to stand in your way.=
 =0D=0AChoose one of our flexible repayment plans and visit our website =0D=
=0Aor call to enroll into the program. Once you complete the program, =0D=
=0A        you'll receive an application for a new Optima<sup>=C2=AE</sup> =
Credit Card and =0D=0Athe chance to regain your spending ability and opport=
unity to improve your credit =0D=0A        profile. Select your plan today.=
 </p><table role=3D"presentation" style=3D"background: rgb(255, 255, 255); =
width: 100%;" cellspacing=3D"0" cellpadding=3D"0">                         =
   <tbody>                                <tr style=3D"height: 20px;">     =
                               <td>                                    <tab=
le align=3D"center" role=3D"presentation" style=3D"background: rgb(255, 255=
, 255); font-size: 16px; font-family: arial, helvetica, sans-serif;">      =
                                  <tbody>                                  =
          <tr>                                                             =
                               </tr>                                       =
 </tbody>                                    </table>                      =
                                                  <!-- End Paragraph one ta=
ble --><!-- Start Table One -->                                    <table a=
lign=3D"center" role=3D"presentation" style=3D"width: 100%; height: 90%; te=
xt-align: center; background-color: rgb(255, 255, 255);" cellspacing=3D"0" =
cellpadding=3D"0">                                        <tbody>          =
                                  <tr>                                     =
           <td style=3D"width: 4%; background-color: inherit;">            =
</td>                                                <td style=3D"border: 1=
px solid rgb(255, 255, 255); width: 26%; padding-top: 1em; padding-bottom: =
2em; background-color: rgb(255, 255, 255);">                               =
                 <div style=3D"padding: 5px; text-align: center;">  </div> =
                                               <div style=3D"padding: 0px 5=
px; text-align: center;">                                                <p=
>                <img src=3D"https://www.americanexpress.com/en-us/support/=
credit/we-can-help/Images/Blue1.png" alt=3D"Check" style=3D"border: 0px non=
e; height: auto; line-height: 100%; outline: none; text-decoration: none; w=
idth: 23px;" width=3D"20" /></p>                                           =
     <p style=3D"color: rgb(51, 51, 51); font-family: arial, helvetica, san=
s-serif; font-size: 13px; text-align: center;">                           <=
span>$2,022.28 a month*,<br />                                             =
   for 1 month</span>                        </p>                          =
                      <p></p>                                              =
  </div>                                                </td>              =
                                  <td style=3D"width: 4%; background-color:=
 inherit;"></td>                                                <td style=
=3D"border: 1px solid rgb(255, 255, 255); width: 26%; padding-top: 1em; pad=
ding-bottom: 2em; background-color: rgb(255, 255, 255);">                  =
                              <div style=3D"padding: 5px; text-align: cente=
r;">                            </div>                                     =
           <div style=3D"padding: 0px 5px; text-align: center;">           =
                                     <p>                <img src=3D"https:/=
/www.americanexpress.com/en-us/support/credit/we-can-help/Images/Blue2.png"=
 alt=3D"Check" style=3D"border: 0px none; height: auto; line-height: 100%; =
outline: none; text-decoration: none; width: 23px;" width=3D"20" /></p>    =
                                            <p></p>                        =
                        <p style=3D"color: rgb(51, 51, 51); font-size: 13px=
; font-family: arial, helvetica, sans-serif; text-align: center;">         =
                   <span>$680.00 a month*,<br />                           =
                     for 3 months</span>                        </p>       =
                                         </div>                            =
                    </td>                                                <t=
d style=3D"width: 4%; background-color: inherit;"></td>                    =
                            <td style=3D"border: 1px solid rgb(255, 255, 25=
5); width: 26%; padding-top: 1em; padding-bottom: 2em; background-color: rg=
b(255, 255, 255);">                                                <div sty=
le=3D"padding: 5px; text-align: center;">                          </div>  =
                                              <div style=3D"padding: 0px 5p=
x; text-align: center;">                                                <p>=
                <img src=3D"https://www.americanexpress.com/en-us/support/c=
redit/we-can-help/Images/Blue3.png" alt=3D"Check" style=3D"border: 0px none=
; height: auto; line-height: 100%; outline: none; text-decoration: none; wi=
dth: 23px;" width=3D"20" /></p>                                            =
    <p style=3D"color: rgb(51, 51, 51); font-size: 13px; font-family: arial=
, helvetica, sans-serif; text-align: center;">$340.00 a month*, <br />     =
                                           for 6 months</p>                =
                                </div>                                     =
           </td>                                                <td style=
=3D"width: 5%; background-color: inherit;"></td>                           =
                 </tr>                                        </tbody>     =
                               </table>                                    =
<!-- End Table One -->                                    <p style=3D"color=
: rgb(51, 51, 51); font-size: 15px; line-height: 22px; margin-top: 0em; tex=
t-align: center;"><sup>1</sup>Exclusions apply. See full Terms & Conditions=
 below.</p>                                    <!-- Start Button One -->   =
                                 <table role=3D"presentation" style=3D"back=
ground: rgb(255, 255, 255); width: 100%;" cellspacing=3D"0" cellpadding=3D"=
0">                                        <tbody>                         =
                   <tr style=3D"height: 20px;">                            =
                    <td>                                                <ta=
ble align=3D"center" role=3D"presentation" style=3D"background: rgb(255, 25=
5, 255); font-size: 16px; font-family: arial, helvetica, sans-serif;">     =
                                               <tbody>                     =
                                   <tr>                                    =
                        <td align=3D"center" style=3D"padding: 10px 25px; b=
order-radius: 10px; border: currentcolor; color: rgb(255, 255, 255); backgr=
ound-color: rgb(0, 111, 207);">                                            =
<a style=3D"margin: 0px; color: rgb(255, 255, 255); text-transform: none; f=
ont-family: arial, helvetica, sans-serif; font-size: 16px; font-weight: nor=
mal; text-decoration: none; line-height: 22px;" href=3D"" target=3D"_blank"=
>                                       <strong>Choose your plan   </strong=
>                                   </a>                                   =
         </td>                                                        </tr>=
                                                    </tbody>               =
                                 </table>                                  =
              </td>                                            </tr>       =
                                 </tbody>                                  =
  </table>                                    <br />                       =
             <!-- End Button One -->                                       =
                                 <!-- Start Paragraph 2 -->                =
              <!--    <p style=3D"color: rgb(51, 51, 51); font-size: 15px; =
line-height: 22px; text-align: left;"><strong>Prefer to settle<sup>1</sup> =
for less than your outstanding balance of $2,022.28=3F</strong></p>  =0D=0A=
    <p style=3D"color: rgb(51, 51, 51); font-size: 15px; line-height: 22px;=
 text-align: left;">If settling your balance for a lower amount feels more =
accessible to you, we=E2=80=99ve created three affordable options for you t=
o choose from:</p><!-- End Paragraph Two --><!-- Start Table Two -->       =
                     <!--        <table align=3D"center" role=3D"presentati=
on" style=3D"width: 100%; height: 90%; text-align: center; background-color=
: rgb(255, 255, 255);" cellspacing=3D"0" cellpadding=3D"0">                =
                        <tbody>                                            =
<tr>                                                <td style=3D"width: 4%;=
 background-color: inherit;">            </td>                             =
                   <td style=3D"border: 1px solid rgb(255, 255, 255); width=
: 26%; padding-top: 1em; padding-bottom: 2em; background-color: rgb(255, 25=
5, 255);">                                                <div style=3D"pad=
ding: 5px; text-align: center;">  </div>                                   =
             <div style=3D"padding: 0px 5px; text-align: center;">         =
                                       <p>                <img src=3D"https=
://www.americanexpress.com/en-us/support/credit/we-can-help/Images/Blue1.pn=
g" alt=3D"Check" style=3D"border: 0px none; height: auto; line-height: 100%=
; outline: none; text-decoration: none; width: 23px;" width=3D"20" /></p>  =
                                              <p style=3D"color: rgb(51, 51=
, 51); font-family: arial, helvetica, sans-serif; font-size: 13px; text-ali=
gn: center;">                           <span> a month,<br />              =
                                  for 0 months</span>                      =
  </p>                                                <p></p>              =
                                  </div>                                   =
             </td>                                                <td style=
=3D"width: 4%; background-color: inherit;"></td>                           =
                     <td style=3D"border: 1px solid rgb(255, 255, 255); wid=
th: 26%; padding-top: 1em; padding-bottom: 2em; background-color: rgb(255, =
255, 255);">                                                <div style=3D"p=
adding: 5px; text-align: center;">                            </div>       =
                                         <div style=3D"padding: 0px 5px; te=
xt-align: center;">                                                <p>     =
           <img src=3D"https://www.americanexpress.com/en-us/support/credit=
/we-can-help/Images/Blue2.png" alt=3D"Check" style=3D"border: 0px none; hei=
ght: auto; line-height: 100%; outline: none; text-decoration: none; width: =
23px;" width=3D"20" /></p>                                                <=
p></p>                                                <p style=3D"color: rg=
b(51, 51, 51); font-size: 13px; font-family: arial, helvetica, sans-serif; =
text-align: center;">                            <span> a month,<br />     =
                                           for 0 months</span>             =
           </p>                                                </div>      =
                                          </td>                            =
                    <td style=3D"width: 4%; background-color: inherit;"></t=
d>                                                <td style=3D"border: 1px =
solid rgb(255, 255, 255); width: 26%; padding-top: 1em; padding-bottom: 2em=
; background-color: rgb(255, 255, 255);">                                  =
              <div style=3D"padding: 5px; text-align: center;">            =
              </div>                                                <div st=
yle=3D"padding: 0px 5px; text-align: center;">                             =
                   <p>                <img src=3D"https://www.americanexpre=
ss.com/en-us/support/credit/we-can-help/Images/Blue3.png" alt=3D"Check" sty=
le=3D"border: 0px none; height: auto; line-height: 100%; outline: none; tex=
t-decoration: none; width: 23px;" width=3D"20" /></p>                      =
                          <p style=3D"color: rgb(51, 51, 51); font-size: 13=
px; font-family: arial, helvetica, sans-serif; text-align: center;"> a mont=
h, <br />                                                for 0 months</p>  =
                                              </div>                       =
                         </td>                                             =
   <td style=3D"width: 5%; background-color: inherit;"></td>               =
                             </tr>                                        <=
/tbody>                                    </table>                        =
            <!-- End Table Two --> <!-- Start Paragraph Three -->          =
                   <!--     <p style=3D"color: rgb(51, 51, 51); font-size: =
15px; line-height: 22px; text-align: center;">Consider the terms of any set=
tlement before agreeing to it. =0D=0AAmerican Express is not obligated to r=
enew these offers.</p>                                    <!-- End Paragrap=
h Three --><!-- Start Button Two -->                          <!--   <table=
 role=3D"presentation" style=3D"background: rgb(255, 255, 255); width: 100%=
;" cellspacing=3D"0" cellpadding=3D"0">                                    =
    <tbody>                                            <tr style=3D"height:=
 20px;">                                                <td>               =
                                 <table align=3D"center" role=3D"presentati=
on" style=3D"background: rgb(255, 255, 255); font-size: 16px; font-family: =
arial, helvetica, sans-serif;">                                            =
        <tbody>                                                        <tr>=
                                                            <td align=3D"ce=
nter" style=3D"padding: 10px 25px; border-radius: 10px; border: currentcolo=
r; color: rgb(255, 255, 255); background-color: rgb(0, 111, 207);">        =
                                    <a style=3D"margin: 0px; color: rgb(255=
, 255, 255); text-transform: none; font-family: arial, helvetica, sans-seri=
f; font-size: 16px; font-weight: normal; text-decoration: none; line-height=
: 22px;" href=3D"https://www.americanexpress.com/en-us/support/credit/we-ca=
n-help/v1/Login.aspx=3FReturnURL=3DSettlement.aspx&AcctId=3D13932016&g=3DFB=
FED729-EA8B-4D1E-A68C-500EA78372FE&EmailId=3D74642870" target=3D"_blank">  =
                                      <strong>Choose your settlement  </str=
ong>                                  </a>                                 =
           </td>                                                        </t=
r>                                                    </tbody>             =
                                   </table> --> =0D=0A    <p>              =
  <img src=3D"https://www.americanexpress.com/en-us/support/credit/we-can-h=
elp/Images/time-blue.png" alt=3D"Check" style=3D"border: 0px none; height: =
35px; line-height: 100%; outline: none; text-decoration: none; width: 35px;=
" width=3D"20" /></p>=0D=0A    <p style=3D"color: rgb(51, 51, 51); font-siz=
e: 15px; line-height: 22px; text-align: left;"><strong>CHOOSE YOUR PLAN AS =
SOON AS YOU CAN</strong></p>=0D=0A    <p style=3D"color: rgb(51, 51, 51); f=
ont-size: 15px; line-height: 22px; text-align: left;">You'll be one step cl=
oser to rejoining American Express</p>=0D=0A=0D=0A    =0D=0A =0D=0A        =
                                                                           =
               <!--Start of Chat Box Code-->                 <table role=3D=
"presentation" style=3D"background: rgb(255, 255, 255); width: 100%;" cells=
pacing=3D"0" cellpadding=3D"0">                            <tbody>         =
                       <tr style=3D"height: 1px;">                         =
           <td>                                    <table role=3D"presentat=
ion" style=3D"background: rgb(255, 255, 255); font-size: 0px; line-height: =
2px; font-family: helveticaneue, helvetica, arial, sans-serif;">           =
                             <tbody>                                       =
     <tr>                                                <td align=3D"left"=
 valign=3D"middle" style=3D"border: currentcolor; color: rgb(0, 111, 207); =
background-color: rgb(255, 255, 255); text-align: left; width: 100%; height=
: 100%; line-height: 22px;">                                               =
 <p style=3D"color: rgb(61, 61, 61); font-size: 15px; padding-bottom: 10px;=
 text-align: left;">=0D=0ASincerely,</p>     =0D=0A    <p style=3D"color: r=
gb(61, 61, 61); font-size: 15px; text-align: left;">American Express</p>  <=
p style=3D"color: rgb(61, 61, 61); font-size: 15px; padding-bottom: 10px; t=
ext-align: left;">*Because of rounding, your final payment may be slightly =
different from the monthly payment amount listed above. </p>               =
                           </td>             =0D=0A=09=09<td align=3D"right=
" valign=3D"middle" style=3D"border: currentcolor; color: rgb(0, 111, 207);=
 width: 100%; height: 100%;">=0D=0A=09=09=09<a aria-label=3D"Chat With Us" =
href=3D"http://wecanhelp-click.americanexpress.com/f/a/pdAiCudnjXWJp2_bKSum=
yw~~/AARl2BA~/j3_9LzqO0YsqarP8j-vGzct7tIRdzcQrpfbwPI28A5zboWnyPbcSFGF-EqbHU=
KoO5WJ3k-y-KzpJg7yDDKFF9hxXcw7yuR6wKm23v6o8IWZThCJGF-ZE0SaGzUc39TwsEUTUBVqs=
3gAIn8np73MM3yrKayQslg_zQufZ5AOXoXKkxzekTs1fqZxWP37U4sDSEwZNgYzttfbjpDTwcnX=
oL1NkjKT5G3XkOK51MHmDTw8bo4eQ7bMKdQL4xVRJxiwVwx3GhgrUnRLG4jmMSuAlE5Xlxic3_F=
vK-I7bQriHdWrOWK0Eh16O4gsxcerWxXej"><img alt=3D"" style=3D"height: 45px; wi=
dth: 125px;" src=3D"https://www.americanexpress.com/en-us/support/credit/we=
-can-help/images/lightbluechaticonnobg.png" /> =0D=0A=09=09=09</a> =0D=0A=
=09=09</td>                                                            </tr=
>                                        </tbody>                          =
          </table>                                                         =
    </td>                                                        </tr>     =
                                               </tbody>                    =
                            </table>                                       =
       <!--End of Chat Box Code--> =09=09                                  =
   =09                                                <br />               =
                                 </td>                                     =
       </tr>                                        </tbody>               =
                     </table>                                    <br />    =
                                </td>                                </tr> =
                           </tbody>                        </table>        =
                <br />                        </td>                    </tr=
>                </tbody>            </table>            </td>        </tr>=
    </tbody></table></div>                    <!--[if mso | IE]>           =
         </td></tr></table>                    <![endif]-->                =
</div>                    </td>                </tr>            </tbody>   =
     </table>        <!--START: FM05A B2B Footer Tagline -->    <!--[if mso=
 | IE]>    <table role=3D"presentation" border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" width=3D"620" align=3D"center" style=3D"width:620px;">    <tr=
>    <td style=3D"line-height:0px;font-size:0px;mso-line-height-rule:exactl=
y;">    <![endif]-->        <div style=3D"background: rgb(217, 217, 214); m=
argin: 0px auto; max-width: 620px;">                </div>        <table st=
yle=3D"border-collapse: collapse; background-color: rgb(240,240,240); width=
: 100%;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">            <tbod=
y>                <tr>                    <td align=3D"center" style=3D"bor=
der-collapse: collapse;">                    <div>                      <!-=
- START: CONSUMER FOOTER CONTENT BLOCK -->   <!-- LiveIntent was here (remo=
ved 04/17/19 --><!--START: Contact Info--> <!-- START: CONSUMER FOOTER CONT=
ENT BLOCK -->   <!-- LiveIntent was here (removed 04/17/19 --><!--START: Co=
ntact Info-->=09=09=09=09=09                    <div style=3D"background: r=
gb(255, 255, 255); margin: 0px auto; overflow: visible; max-width: 620px;">=
                     <table align=3D"center" role=3D"presentation" style=3D=
"width: 100%; font-size: 0px; border-collapse: collapse; background-color: =
rgb(0, 111, 208);" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">       =
                 <tbody>                            <tr>                   =
             <td align=3D"left" valign=3D"middle" style=3D"width: 20%;"></t=
d>                                <td align=3D"center" valign=3D"middle" st=
yle=3D"width: 60%;">                                <table align=3D"center"=
 role=3D"presentation" style=3D"width: 100%; font-size: 0px; border-collaps=
e: collapse; background-color: rgb(0, 111, 208); line-height: 25px;" border=
=3D"0" cellspacing=3D"0" cellpadding=3D"0">                                =
    <tbody>                                        <tr>                    =
                        <td align=3D"center" valign=3D"top" style=3D"paddin=
g: 15px 20px 5px; font-size: 15px; text-align: center; color: rgb(255, 255,=
 255); font-family: helveticaneue, helvetica, arial, sans-serif;">If you ne=
ed any additional information:</td>                                        =
</tr>                                        <tr>                          =
                  <td align=3D"center" valign=3D"top" style=3D"padding: 5px=
 20px; font-size: 15px; text-align: center; color: rgb(255, 255, 255); font=
-family: helveticaneue, helvetica, arial, sans-serif;"><a style=3D"color: r=
gb(255, 255, 255); text-decoration: none;" href=3D"tel:8339390500"> Please =
Call: 833-939-0500</a></td>                                        </tr>   =
                                     <tr>                                  =
          <td align=3D"center" valign=3D"middle" style=3D"padding: 5px 12px=
 15px; font-size: 15px; text-align: center; color: rgb(255, 255, 255); font=
-family: helveticaneue, helvetica, arial, sans-serif;">We are available to =
assist you from Monday through Friday, 8:00 a.m. =E2=80=93 6:00 p.m. Easter=
n Time</td>                                        </tr>                   =
                 </tbody>                                </table>          =
                      </td>                                <td align=3D"rig=
ht" valign=3D"middle" style=3D"width: 20%;">                               =
 <table align=3D"center" role=3D"presentation" style=3D"width: 100%; font-s=
ize: 0px; border-collapse: collapse; background-color: rgb(0, 111, 208);" b=
order=3D"0" cellspacing=3D"0" cellpadding=3D"0">                           =
         <tbody>                                        <tr>               =
                             <td align=3D"center" valign=3D"top" style=3D"p=
adding: 5px 10px; font-size: 12px; text-align: center; color: rgb(0, 23, 91=
); font-family: helveticaneue, helvetica, arial, sans-serif;"></td>        =
                                </tr>                                      =
  <tr>                                            <td align=3D"center" vali=
gn=3D"bottom" style=3D"padding: 5px 10px; font-size: 12px; text-align: cent=
er; color: rgb(0, 23, 91); font-family: helveticaneue, helvetica, arial, sa=
ns-serif;"></td>                                        </tr>              =
                      </tbody>                                </table>     =
                           </td>                            </tr>          =
              </tbody>                    </table>                    </div=
>             <!--END: Contact Info-->      <!--BEGIN: Privacy Statement-->=
                    <div style=3D"margin: 0px auto; max-width: 620px;">    =
                <table align=3D"center" role=3D"presentation" style=3D"widt=
h: 100%; font-size: 0px; border-collapse: collapse; background-color: rgb(2=
55, 255, 255);" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">          =
              <tbody>                            <tr style=3D"width: 100%;"=
>                                <td align=3D"center" valign=3D"top" style=
=3D"padding: 20px; font-size: 15px; line-height: 18px; font-family: helveti=
caneue, helvetica, arial, sans-serif; color: white; width: 100%;"><a style=
=3D"color: rgb(0, 111, 208); text-decoration: none;" href=3D"http://wecanhe=
lp-click.americanexpress.com/f/a/GE87aCesMCnWI5uAes5S2A~~/AARl2BA~/v2mn3tt8=
vF7HlhYYvS73aNLd20w88pHiW27tnjF11XKodtyPhp-N-VNhG1fK-MeULPMFHch8w4jr4jjYpDl=
7uwdM8UJoGLgZsh7q6SC_WNswlAWdSPIVbD_7h_V2hAmlgvrlXZq_2TiRbJ0JxVQaZKVyVH_y8J=
1J4r3IyDtvtr72LkkLIEltv6f0nJvkwc6PLmTrwzli7u43wx3C2VK2QQ~~" target=3D"_blan=
k" title=3D"PRIVACY STATEMENT"><span style=3D"border-bottom: 1px solid whit=
e; text-align: left;">PRIVACY STATEMENT</span><span style=3D"display: inlin=
e-block; width: 30%;"></span></a> | <a style=3D"color: rgb(0, 111, 208); te=
xt-decoration: none;" href=3D"http://wecanhelp-click.americanexpress.com/f/=
a/RwaqXANv2jzDTYTLeYqm4A~~/AARl2BA~/iHCbtRVq3BUGHQXI_ahjVKqSEsqr_Olbm8tiCE4=
j20tdMNT4DKcWIea15tDhCEv4XcyKF0tty_Jrs3t02MDGCBKdyPnO0eYwY2Oua0krInnjvwWlxE=
5K8S_lLjO1kOz00bqJGtyjzOC4Ph7Snb7Q7S8Lr4lPcO9FJ6opOTQLjVbNL5ZM2wRdeuwz1gS0S=
_wfGaghDLOj3wbamnIBOmSp4wDSrATCeaBjp68INjFzMQ_0NC93VtxEcElzrK1QWciLXWjN4cja=
Lt2ZcqHsxCuMHXp94_mMwL6cp6DExDWx2EYspue777zFCSzQ-oGGs-cT" target=3D"_blank"=
><span style=3D"border-bottom: 1px solid white; text-align: right;">UNSUBSC=
RIBE</span></a></td>                            </tr>                      =
  </tbody>                    </table>                    <table align=3D"c=
enter" role=3D"presentation" style=3D"width: 100%; font-size: 0px; border-c=
ollapse: collapse; background-color: rgb(236, 237, 238);" border=3D"0" cell=
spacing=3D"0" cellpadding=3D"0">                        <tbody>            =
                <tr>                                <td align=3D"left" vali=
gn=3D"middle" style=3D"padding: 20px; font-size: 15px; line-height: 15px; f=
ont-family: helveticaneue, helvetica, arial, sans-serif; color: rgb(51, 51,=
 51); border-collapse: collapse; width: 75%;">                             =
            Your account information is included above to help you recogniz=
e this as an e-mail from American Express. <br/><br/> To learn more about e=
mail security and how to stay safe from scams visit <a href=3D"http://wecan=
help-click.americanexpress.com/f/a/p_I1I5OuVQMmBy-WI6ZaiA~~/AARl2BA~/NNIrc0=
fgomlksDTFdjls6Sm77jcaB94hyfLFLdgALcydjopjjdj6cTwiOBYJ_zazINVxfB6wr000_KV0H=
uvQmKFXGUfIAxT6ztTZZz3jwAm0OM4HbL5Wyr-UAG7yRN001DISa4F3Eom3U-P6U0Vzt9l2hjOb=
FTf4RNe9_JS0faE~" target=3D"_blank"> americanexpress.com/us/scamawareness</=
a>. If you receive a message that looks suspicious, please call us at 833-9=
39-0500. <br /> <p style=3D"text-align: left;"><strong><sup>1</sup>Pay your=
 balance in full on the account referenced above. Once the funds clear your=
 bank, an Optima Credit Card application will be mailed to you.</strong></p=
>                                <p><strong>Your application will be review=
ed and approved by American Express unless:</strong></p>                   =
             <ul>                                    <li>You filed for bank=
ruptcy.</li>                                    <li>You have accepted anoth=
er offer for an Optima Credit Card account from a different agency or from =
American Express,</li>                                    <li>You have an a=
ctive American Express<sup>=C2=AE</sup> account.</li>                      =
              <li>American Express determines that you do not have the fina=
ncial capacity to make the minimum payment on this new Optima Credit Card a=
ccount,</li>                                    <li>Your address is outside=
 of the United States or any U.S. Territory.</li>                          =
      </ul>                                <p style=3D"text-align: left;">N=
ote: If you miss any payment, or pay late, or if any payment is returned un=
paid, this arrangement will be void. </p>                                  =
    <br />                                =C2=A9 2026 American Express. All=
 rights reserved.                             <BR/><br/><br/>Email: <a=0D=
=0A                                    href=3D"mailto:"support@wecanhelp.am=
ericanexpress.com"">support@wecanhelp.americanexpress.com</a>=0D=0A        =
                         <br />American Express=0D=0APO Box 15311=0D=0AWilm=
ington, DE 19850 <br/>                                   <p style=3D"color:=
 rgb(236, 237, 238);">EmailId=3D74642870</p>   </td>                       =
     </tr>                        </tbody>                    </table>     =
               </div>                    </div>                    </td>   =
             </tr>            </tbody>        </table>        <!--[if mso |=
 IE]> </td></tr></table> <![endif]-->                        <!--END: Priva=
cy Statement-->                                                            =
                        <!--[if mso | IE]>    </td></tr></table>    <![endi=
f]-->    <!--END: FM04 Terms and Conditions -->    <span style=3D"display: =
block; max-width: 620px; height: 1px; width: 620px !important;" class=3D"gm=
ailfix"></span>  =0D=0A<img border=3D"0" width=3D"1" height=3D"1" alt=3D"" =
src=3D"http://wecanhelp-click.americanexpress.com/q/hTBML6plushQ0Qz9Ozps8w~=
~/AARl2BA~/93BG-KKaS6YiOQLbj8baW-wyIaLr1sSV0axjFg7jWGtPaTW_uSi8Z5GezAQybvMo=
4NAhxpOp4usrqzN5rNUOyw~~">=0D=0A</body></html>

