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  2. <meta http-equiv="Content-Type" content="text/html; charset=utf-8"><title>Dermoth Clarke, get the Card that rewards you for being you.</title>
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  478.  
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  480. .hb-mobile-hidden, .hb-overlay .mobile-no-padding {
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  502. .hb-mobile-minHeight320>table {
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  505. .hb-mobile-only {
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  571. .im-small-text {
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  574. .im-gutter {
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  576. display: block!important
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  578. .im-block, .im-block-auto {
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  582. .im-block-auto {
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  585. .im-logo-set, .im-logo-set img {
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  592. .im-block-centre img {
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  601. .im-logo-set.im-logo-clear {
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  605. .mobile-hide {
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  616. display: block !important;
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  619. font-size:100% !important;
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  672. .mj-column-px-60, * [aria-labelledby="mj-column-px-60"] { width:60px!important; }
  673. .mj-column-px-145, * [aria-labelledby="mj-column-px-145"] { width:145px!important; }
  674. .mj-column-px-270, * [aria-labelledby="mj-column-px-270"] { width:270px!important; }
  675. .mj-column-px-98, * [aria-labelledby="mj-column-px-98"] { width:98px!important; }
  676. }
  677. </style>
  678. <style type="text/css">
  679. @media only screen and (max-width:619px) {
  680. .mj-hero-content {
  681. width: 100% !important;
  682. }
  683. .im-overlay-alt-dark {
  684. background-image: url(../../assets/placeholder/img-dark-310x310.png) !important;
  685. width: 310px !important;
  686. }
  687.  
  688. .im-overlay-alt-light {
  689. background-image: url(../../assets/placeholder/img-light-310x310.png) !important;
  690. width: 310px !important;
  691. }
  692. }
  693. </style>
  694. </head>
  695. <body style="background: #dddddd;"><img src="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/column.gif" width="1" height="1" style="display:none !important; max-height:1px !important; max-width:1px !important; border:0 !important; background-color:transparent !important; padding:0 !important; outline:0 !important; min-height:1px !important; min-width:1px !important; height:1px !important; width:1px !important;" alt="">
  696. <div class="wrapper" style="background-color:#dddddd;">
  697. <table width="100%" role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;" align="center" border="0">
  698. <tbody>
  699. <tr>
  700. <td>&nbsp;</td>
  701. <td class="wrapper-inner" style="background-color:#f7f8f9;width:620px;"><!--
  702. Please copy and paste the code of the desired components/module from the components folder
  703. -->
  704.  
  705. <!--- ADD the COMPONENTS code BELOW THIS LINE -->
  706.  
  707. <!-- START: PH01 Preheader Text -->
  708. <!--[if mso | IE]>
  709. <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="620" align="center" style="width:620px;">
  710. <tr>
  711. <td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
  712. <![endif]-->
  713.  
  714. <div class="mobile-100" style="margin:0px auto;max-width:620px;background:#dddddd;">
  715. <table role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;background:#dddddd;" align="center" border="0">
  716. <tbody>
  717. <tr>
  718. <td style="text-align:center;vertical-align:top;direction:ltr;font-size:0px;padding:8px 5px;"><!--[if mso | IE]>
  719. <table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:top;width:310px;">
  720. <![endif]-->
  721.  
  722. <div class="mobile-100 outlook-group-fix" style="vertical-align:top;display:inline-block;direction:ltr;font-size:13px;text-align:left;width:50%;">
  723. <table role="presentation" cellpadding="0" cellspacing="0" width="100%" border="0">
  724. <tbody>
  725. <tr>
  726. <td style="word-break:break-word;font-size:0px;padding:0px;" align="left"><div class="preheader-text" style="cursor:auto;color:#555555;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:13px;line-height:16px;"><strong>Invite a friend</strong> to the Cobalt Card and you¹ could earn 7,000 Membership Rewards points for each approved&nbsp;referral².</div></td>
  727. </tr>
  728. </tbody>
  729. </table>
  730. </div>
  731.  
  732. <!--[if mso | IE]>
  733. </td><td style="vertical-align:top;width:310px;">
  734. <![endif]-->
  735.  
  736. <div class="mobile-100 outlook-group-fix" style="vertical-align:top;display:inline-block;direction:ltr;font-size:13px;text-align:right;width:49%;">
  737. <table role="presentation" cellpadding="0" cellspacing="0" width="100%" border="0">
  738. <tbody>
  739. <tr>
  740. <td style="word-break:break-word;font-size:0px;padding:0px;" align="right"><div class="preheader-text" style="cursor:auto;color:#555555;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:13px;line-height:16px;">Having troubleviewing this e-mail?<br> <a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex1?t_sparams=M-Q9w60bSfS-R4bsOL2uvsbl6gi9jOz2FBIopg5qaoYnH6TKlvaqOZEBjm49oo0iMOv3a8AJgoKVvRiM135IKTWxirEudonK47LHOClHlk5efN6UHmEcdAwuGUegeD" target="_blank" style="color: #555555">ViewOnline</a>. </div></td>
  741. </tr>
  742. </tbody>
  743. </table>
  744. </div>
  745.  
  746. <!--[if mso | IE]>
  747. </td></tr></table>
  748. <![endif]--></td>
  749. </tr>
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  751. </table>
  752. </div>
  753.  
  754. <!--[if mso | IE]>
  755. </td></tr></table>
  756. <![endif]-->
  757.  
  758. <!-- END: PH01 Preheader Text -->
  759.  
  760. <!-- START: BP01 Master -->
  761. <!--[if mso | IE]>
  762. <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="620" align="center" style="width:620px;">
  763. <tr>
  764. <td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
  765. <![endif]-->
  766.  
  767. <div style="margin:0px auto;max-width:620px;background:#FFFFFF;">
  768. <table role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;background:#FFFFFF;" align="center" width="100%" border="0">
  769. <tbody>
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  771. <td style="text-align:center;vertical-align:top;direction:ltr;font-size:0px;padding:15px 20px 20px 11px;background:#FFFFFF;" class="bp-logo-padding"><table role="presentation" cellpadding="0" cellspacing="0" width="100%" border="0">
  772. <tbody>
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  774. <td width="35%" style="word-break:break-word;font-size:0px;padding:0px;"><table role="presentation" cellpadding="0" cellspacing="0" width="100%" border="0">
  775. <tbody>
  776. <tr>
  777. <td class="bp-logo" style="width:75px;" width="75"><a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex3" target="_blank"> <img src="http://f.email.americanexpress.com/i/45/268935401/CAN_ICSS_COBALT_ENG_01_american-express-logo.jpg" alt="AMERICAN EXPRESS®" title="AMERICAN EXPRESS®"height="auto" style="border:none;border-radius:;display:block;outline:none;text-decoration:none;width:75px;height:auto;color:#333333;font-size:10px;font-family:sans-serif;font-weight:600;" width="75"> </a></td>
  778. <!--<td width="10">&nbsp;</td>
  779. <td class="bp-rtp" style="width:69px;" width="69"><a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex3" target="_blank"> <img src="http://f.email.americanexpress.com/i/45/268935401/CAN_ICSS_COBALT_ENG_01_rtp-lockup.jpg" alt="Realize the Potential™" title="Realize the Potential™" height="auto" style="border:none;border-radius:;display:block;outline:none;text-decoration:none;width:69px;height:auto;color:#333333;font-size:12px;font-family:sans-serif;" width="69"> </a></td>
  780. <td>&nbsp;</td>-->
  781. </tr>
  782. </tbody>
  783. </table></td>
  784. <td style="width:65%;word-break:break-word;font-size:0px;padding:0px 0px 7px 10px;vertical-align:top;text-align:right;" align="right"><a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex2?t_sparams=M-Q9w60bSfS-R4bsOL2uvsbl6gi9jOz2FBIopg5qaoYnH6TKlvaqOZEBjm49oo0iMOv3a8AJgoKVvRiM135IKTWxirEudonK47LHOClHlk5efN6UHmEcdAwuGUegeD" class="bp-lang" style="color:#1274B8;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:13px;line-height:100%;padding-bottom:5px;display:inline-block;"> Français </a>
  785. <div class="bp-text" style="cursor:auto;color:#333333;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;line-height:22px;"> Account ending: 62005<br>
  786. <span class="bp-hide">Member since: 2017</span></div></td>
  787. </tr>
  788. </tbody>
  789. </table></td>
  790. </tr>
  791. <tr>
  792. <td class="bp-acct-padding" style="border-top:1px solid #dddddd;border-bottom: 1px solid #dddddd;padding:10px 20px;"><table role="presentation" cellpadding="0" cellspacing="0" style="border-collapse:separate;" align="right" border="0" width="100%">
  793. <tbody>
  794. <tr>
  795. <td style="word-break:break-word;font-size:0px;vertical-align:middle;" align="left"><div class="bp-text" style="cursor:auto;color:#333333;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:15px;line-height:22px;">Hello Dermoth Clarke,</div></td>
  796. <td style="word-break:break-word;font-size:0px;" align="right"><table border="0" cellspacing="0" cellpadding="0"align="right">
  797. <tr>
  798. <td><table border="0" cellspacing="0" cellpadding="0">
  799. <tr>
  800. <td align="center" style="border-radius:3px;background-color:#ffffff;" bgcolor="#ffffff"><a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex10" class="bp-login-button" target="_blank" style="text-decoration:none;line-height:100%;background:#ffffff;color:#1274B8;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:15px;font-weight:normal;text-transform:none;margin:0px;border-radius:3px; padding:11px 12px 12px 12px;border:1px solid #1274B8;display: inline-block;">Log in</a></td>
  801. </tr>
  802. </table></td>
  803. </tr>
  804. </table></td>
  805. </tr>
  806. </tbody>
  807. </table></td>
  808. </tr>
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  812.  
  813. <!--[if mso | IE]>
  814. </td></tr></table>
  815. <![endif]-->
  816. <!-- END: BP01 Master -->
  817.  
  818.  
  819. <!-- START: HB08 50-50 -->
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  825. <div style="margin:0px auto;max-width:620px;background:#ffffff;">
  826.  
  827. <!-- START: IMAGE ON LEFT - Please delete the table tag below if using IMAGE ON LEFT -->
  828.  
  829. <!-- END: IMAGE ON LEFT -->
  830.  
  831.  
  832. <!-- START: IMAGE ON RIGHT - Please delete the table tag above if using IMAGE ON RIGHT -->
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  834. <!-- END: IMAGE ON RIGHT -->
  835.  
  836. <tbody>
  837. <tr>
  838. <th class="im-block-auto im-horz-pair-padding" width="50%" style="padding:0 40px;width:50%;text-align:left;vertical-align:middle;direction:ltr;font-size:0px;font-weight:normal;">
  839. <div class="subhead" style="cursor:auto;color:#0e2340;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:28px;line-height:34px; font-weight:normal">
  840. <p>Refer a friend &amp;&nbsp;you could earn <span style="cursor:auto;color:#0e2340;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:32px;line-height:38px; font-weight:bold">7,000 Bonus Points</span></p>
  841. </div>
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  843. <table border="0" cellspacing="0" cellpadding="0">
  844. <tr>
  845. <td>
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  847. <tr>
  848. <td width="228" height=38" align="center" style="border: 1px solid #144d88;background-color:#0e2340">
  849. <a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex18" target="_blank" style="font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;color:#ffffff;font-weight:normal;text-transform:none;line-height:100%;text-decoration:none;border-radius:3px;padding:11px 10px 12px;display:inline-block;margin:0;">REFER A FRIEND</a>
  850. </td>
  851. </tr>
  852. </table>
  853. </td>
  854. </tr>
  855. </table>
  856. <![endif]-->
  857. <a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex18" target="_blank" style="background-color:#0e2340;border:1px solid #144d88;border-radius:3px;color:#ffffff;display:inline-block;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;font-weight:normal;line-height:38px;text-align:center;text-decoration:none;width:228px;mso-hide:all;">REFER A FRIEND</a>
  858. </th>
  859. <th class="hb-imgBox" width="50%" style="width:50%;text-align:center;vertical-align:middle;direction:ltr;font-size:0px;padding:0px;">
  860. <a href="#LINK_TO" target="_blank">
  861. <img src="http://f.email.americanexpress.com/i/45/268935401/CAN_ICSS_COBALT_ENG_01_header.jpg" alt="NEW American Express Cobalt™ Card" width="310" height="auto" style="border:none;border-radius:;display:block;outline:none;text-decoration:none;width:100%;height:320px;" title="NEW American Express Cobalt™ Card">
  862. </a>
  863. </th>
  864. </tr>
  865. </tbody>
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  867. </div>
  868.  
  869. <!--[if mso | IE]>
  870. </td></tr></table>
  871. <![endif]-->
  872.  
  873. <!-- END: HB08 50-50 -->
  874.  
  875.  
  876. <!-- START: TM10 Letter Module-->
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  878. <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="620" align="center" style="width:620px;">
  879. <tr>
  880. <td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
  881. <![endif]-->
  882.  
  883. <div style="margin:0px auto;max-width:620px;background:#FFFFFF;">
  884. <table role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;background:#FFFFFF;" align="center" border="0">
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  890.  
  891. <tr>
  892. <td width="40">&nbsp;</td>
  893. <td style="padding-bottom: 0;text-align:center;">
  894.  
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  906.  
  907. <!-- Start: Spacer -->
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  912. <!-- Start: Step Block -->
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  914. <table bgcolor="#ffffff" role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;" align="center" border="0" class="show_for_mobile">
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  917. <div class="mobileOnly" style="mso-hide: all; overflow: hidden; max-height: 0; width: 0; display: none; line-height: 0; visibility: hidden;float:left;margin:0 auto;"><a href="#" target="_blank"><!--[if !mso]><!--><img src="http://f.email.americanexpress.com/i/45/268935401/CAN_ICSS_COBALT_ENG_01_Cobalt_card.png" alt="NEW American Express Cobalt™ Card" width="180" height="auto" class="img-max" style="display:block;margin:0 auto;" border="0"><!--<![endif]--></a></div>
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  931. <p style="cursor:auto;color:#333333;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;line-height:22px; ">Hey Dermoth Clarke,</p>
  932. <p style="cursor:auto;color:#333333;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;line-height:22px; padding-right:10px;"> You already tell your friends about the best food, drinks and vacation spots. Now you can tell them about the American Express Cobalt<sup style="font-size:75%; line-height:0">TM</sup> Card and how&nbsp;they can experience all the rewards that come with&nbsp;it<sup style="font-size:75%; line-height:0">3</sup>.
  933. </p>
  934.  
  935. </td>
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  944. <tbody>
  945. <tr>
  946. <td align="center" style="text-align:center;padding:12px 10px 12px 10px;">
  947. <img src="http://f.email.americanexpress.com/i/45/268935401/CAN_ICSS_COBALT_ENG_01_Cobalt_card.png" alt="NEW American Express Cobalt™ Card" width="153" height="auto" title="NEW American Express Cobalt™ Card">
  948. </td>
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  953. <!-- End: Step Block -->
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  955. </tr>
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  960. <td width="40">&nbsp;</td>
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  965. </td>
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  970. <div style="margin:0px auto;max-width:620px;background:#FFFFFF;">
  971. <table role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;background:#FFFFFF;" align="center" border="0">
  972. <tbody>
  973. <tr>
  974. <td style="text-align:left;vertical-align:top;direction:ltr;font-size:0px;padding:0px 40px 10px 40px;"><!--[if mso | IE]>
  975. <table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:top;width:620px;">
  976. <![endif]-->
  977.  
  978. <div aria-labelledby="mj-column-per-100" class="mj-column-per-100 outlook-group-fix" style="vertical-align:top;display:inline-block;direction:ltr;font-size:13px;text-align:left;width:100%;">
  979. <table role="presentation" cellpadding="0" cellspacing="0" width="100%" border="0">
  980. <tbody>
  981. <tr>
  982. <td style="word-break:break-word;font-size:0px;padding:0px;" align="left"><div style="cursor:auto;color:#333333;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:15px;line-height:22px;">
  983. <a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex18" target="_blank" style="color:#333333">Refer a friend</a> and you could earn <strong>7,000 Membership Rewards<sup style="font-size:75%; line-height:0">®</sup></strong> points for each approved referral up to a maximum annual referral bonus of <strong>75,000 Membership Rewards</strong> points<sup style="font-size:75%; line-height:0">2</sup>. Your friend will also get access to all the sweet CobaltCardmember benefits you already&nbsp;enjoy.
  984. </div></td>
  985. </tr>
  986. </tbody>
  987. </table>
  988. </div>
  989.  
  990. <!--[if mso | IE]>
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  993. </tr>
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  1004.  
  1005. <tr>
  1006. <td width="40">&nbsp;</td>
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  1020.  
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  1027. <img src="http://f.email.americanexpress.com/i/45/268935401/CAN_ICSS_COBALT_ENG_01_image_earn.jpg" alt="NEW American Express Cobalt™ Card" width="270" height="168" style="border:none;border-radius:;display:block;outline:none;text-decoration:none;height:auto;color:#1274b8;font-size:9px;font-family: sans-serif;" title="NEW American Express Cobalt™ Card">
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  1043. <p style="cursor:auto;color:#7fd2c2;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:20px;line-height:26px; text-align:center;">You could earn:</p>
  1044. <p style="cursor:auto;color:#7fd2c2;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:14px;line-height:22px; font-weight:normal; text-align:center;"><strong>7,000 Membership Rewards</strong> points for each approved referral<sup style="font-size:75%; line-height:0">2</sup>.
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  1104. <td style="word-break:break-word;font-size:0px;padding:0px;" align="left"><div class="tm-centre" style="cursor:auto;color:#333333;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:14px;line-height:15px;"> See how your Bonus Membership Rewards points could add up**: </div></td>
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  1193. <!-- Start: Step Block -->
  1194. <th width="33.33%" class="tm-step-block" style="padding: 0;vertical-align:top;">
  1195. <table bgcolor="#45bea8" role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;" align="center" border="0">
  1196. <tbody>
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  1198. <td align="center" style="text-align:center;padding:10px 10px;">
  1199. <p style="cursor:auto;color:#0e2340;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:13px;line-height:22px; "><span style="cursor: auto; color: #0e2340; font-family: HelveticaNeue, &quot;Helvetica Neue&quot;, Helvetica, Arial, sans-serif; font-size: 20px; line-height: 23px; font-weight: bold">1</span> approved referral = <strong>7,000</strong> Membership Rewards points<sup style="font-size:75%; line-height:0">2</sup>. That’s enough for a <strong>$70</strong> statement credit towards eligible travel purchases charged to your&nbsp;Card<sup style="font-size:75%; line-height:0">4</sup>.</p>
  1200. </td>
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  1213. <table bgcolor="#45bea8" role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;" align="center" border="0">
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  1217. <p style="cursor:auto;color:#0e2340;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:13px;line-height:22px; "><span style="cursor: auto; color: #0e2340; font-family: HelveticaNeue, &quot;Helvetica Neue&quot;, Helvetica, Arial, sans-serif; font-size: 20px; line-height: 23px; font-weight: bold">3</span> approved referrals = <strong>21,000</strong> Membership Rewards points<supstyle="font-size:75%; line-height:0">2</sup>. That’s enough for a <strong>$210</strong> statement credit towards eligible travel purchases charged to your&nbsp;Card<sup style="font-size:75%; line-height:0">4</sup>.</p>
  1218. </td>
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  1231. <table bgcolor="#45bea8" role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;" align="center" border="0">
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  1235. <p style="cursor:auto;color:#0e2340;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:13px;line-height:22px; "><span style="cursor: auto; color: #0e2340; font-family: HelveticaNeue, &quot;Helvetica Neue&quot;, Helvetica, Arial, sans-serif; font-size: 20px; line-height: 23px; font-weight: bold">5</span> approved referrals = <strong>35,000</strong> Membership Rewards points<supstyle="font-size:75%; line-height:0">2</sup>. That’s enough for a <strong>$350</strong> statement credit towards eligible travel purchases charged to your&nbsp;Card<sup style="font-size:75%; line-height:0">4</sup>.</p>
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  1279.  
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  1287.  
  1288. <div aria-labelledby="mj-column-per-100" class="mj-column-per-100 outlook-group-fix" style="vertical-align:top;display:inline-block;direction:ltr;font-size:13px;text-align:left;width:100%;">
  1289. <table role="presentation" cellpadding="0" cellspacing="0" width="100%" border="0">
  1290. <tbody>
  1291. <tr>
  1292. <td style="word-break:break-word;font-size:0px;padding:0px;" align="left"><div class="tm-centre" style="cursor:auto;color:#333333;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:9px;line-height:15px;"> **This chart provides an illustrative example of how you could earn your referral bonus on approved referrals. You can only make recommendations to known friends or family members with whom you have a relationship. Please see <a href="#ref" style="color:#333333">Program Terms</a> for full details. </div></td>
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  1310. <td height="14" style="font-size:0px;line-height:0px;" colspan="5">&nbsp;</td>
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  1320. <td width="20" style="width:20px;">&nbsp;</td>
  1321. <td class="section-divider-inner" style="vertical-align:middle;text-align:center;width:10%;white-space:nowrap;"><div style="cursor:auto;color:#ffffff;font-family:HelveticaNeue-Medium, Helvetica Neue Medium, Helvetica, Arial, sans-serif;font-weight:500;font-size:13px;line-height:18px;text-transform:uppercase;"> HOW REFERRALS WORK </div></td>
  1322. <td width="20" style="width:20px;">&nbsp;</td>
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  1357.  
  1358. <div aria-labelledby="mj-column-per-100" class="mj-column-per-100 outlook-group-fix" style="vertical-align:top;display:inline-block;direction:ltr;font-size:13px;text-align:left;width:100%;">
  1359. <table role="presentation" cellpadding="0" cellspacing="0" width="100%" border="0">
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  1362. <td style="word-break:break-word;font-size:0px;padding:0px;padding-bottom:0;" align="center"><div class="tm-centre" style="cursor:auto;color:#333333;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:20px;line-height:25px;">Referring a friend is easy:</div></td>
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  1402. <table bgcolor="#ffffff" role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;" align="center" border="0">
  1403. <tbody>
  1404.  
  1405. <tr>
  1406. <td align="center" style="text-align:center;padding:10px 10px;"><img src="http://f.email.americanexpress.com/i/45/268935401/CAN_ICSS_COBALT_ENG_01_icon_01.png" alt="card icon" width="53" height="49" title="card icon">
  1407. <p style="cursor:auto;color:#0e2340;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;line-height:22px; ">1. Click <a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex18" target="_blank" style="color:#333333">refer a friend</a>&nbsp;now.</p>
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  1421. <table bgcolor="#ffffff" role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;" align="center" border="0">
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  1423. <tr>
  1424. <td align="center" style="text-align:center;padding:10px 10px;"><img src="http://f.email.americanexpress.com/i/45/268935401/CAN_ICSS_COBALT_ENG_01_icon_02.png" alt="bag icon" width="53" height="49" title="bag icon">
  1425. <p style="cursor:auto;color:#333333;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;line-height:22px; ">2. Fill in your Card Account details.</p>
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  1440. <tbody>
  1441. <tr>
  1442. <td align="center" style="text-align:center;padding:10px 10px;"><img src="http://f.email.americanexpress.com/i/47/1708231387/CAN_ICSS_COBALT_ENG_01_icon_03_2.gif" alt="mail icon" width="48" height="48" title="mail icon">
  1443. <p style="cursor:auto;color:#333333;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;line-height:22px; ">3. Choose whether to send invites via email orby using your personalized link.</p>
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  1470. </div>
  1471. <div style="margin:0px auto;max-width:620px;background:#FFFFFF;">
  1472. <table class="fm-cross-sell" role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;background:#FFFFFF;">
  1473. <tr>
  1474. <td class="fm-cross-gutter" width="40">&nbsp;</td>
  1475. <td class="fm-cross-container"><table role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;background:#FFFFFF;" align="center" border="0">
  1476. <tbody>
  1477. <tr>
  1478.  
  1479. <!-- Start: Cross Sell Icon -->
  1480. <th width="80%" class="fm-cross-icon4 fm-cross-row" style="text-align:center;vertical-align:top;direction:ltr;font-size:0px;padding:0 0px 24px 0px;font-weight:normal;"> <table role="presentation" cellpadding="0" cellspacing="0" width="100%" border="0">
  1481. <tbody>
  1482.  
  1483. <tr>
  1484. <td style="word-break:break-word;font-size:0px;padding:0px; padding-top:20px;padding-bottom:10px;" align="left"><div class="tm-centre" style="cursor:auto;color:#0e2340;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:15px;line-height:22px; text-align:center">
  1485. Your friend must apply through the link provided in the email or your personalized link for you to be eligible to earn the referral bonus for each approved referral.
  1486. <p style="color:#0e2340;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:10px;line-height:15px; text-align:center">This offer is available for at least 30 days after receiving
  1487. this email.</p>
  1488. </div></td>
  1489. </tr>
  1490. <tr>
  1491. <td style="word-break:break-word;font-size:0px;padding:10px 0 20px 0;" align="center">
  1492. <!--[if mso]>
  1493. <table border="0" cellspacing="0" cellpadding="0">
  1494. <tr>
  1495. <td>
  1496. <table border="0" cellspacing="0" cellpadding="0">
  1497. <tr>
  1498. <td width="164" height=38" align="center" style="border: none;background-color:#0e2340">
  1499. <a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex18" target="_blank" style="font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;color:#ffffff;font-weight:normal;text-transform:none;line-height:100%;text-decoration:none;border-radius:3px;padding:11px 10px 12px;display:inline-block;margin:0;">Refer a Friend</a>
  1500. </td>
  1501. </tr>
  1502. </table>
  1503. </td>
  1504. </tr>
  1505. </table>
  1506. <![endif]-->
  1507. <a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex18" target="_blank" class="hb-hero-button" style="background-color:#0e2340;border:none; border-radius:3px;color:#ffffff;display:inline-block;font-family:HelveticaNeue, Helvetica Neue,Helvetica, Arial, sans-serif;font-size:15px;font-weight:normal;line-height:38px;text-align:center;text-decoration:none;width:160px;mso-hide:all;text-transform:uppercase">Refer a Friend</a>
  1508. </td>
  1509. </tr>
  1510. </tbody>
  1511. </table>
  1512. </th>
  1513. <!-- End: Cross Sell Icon -->
  1514. </tr>
  1515. </tbody>
  1516. </table></td>
  1517. <td class="fm-cross-gutter" width="40">&nbsp;</td>
  1518. </tr>
  1519. </table>
  1520. </div>
  1521.  
  1522.  
  1523. <!--[if mso | IE]>
  1524. </td></tr></table>
  1525. <![endif]-->
  1526. <!-- END: TM02 Full Width Text -->
  1527.  
  1528.  
  1529.  
  1530. <!-- START: FM01 Cross Sell Icons -->
  1531.  
  1532. <!-- Note: Based on TM06 Section Divider -->
  1533. <!-- START: TM06 Section Divider -->
  1534. <!--[if mso | IE]>
  1535. <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="620" align="center" style="width:620px;">
  1536. <tr>
  1537. <td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
  1538. <![endif]-->
  1539.  
  1540. <div style="margin:0px auto;max-width:620px;background:#bbbaba;">
  1541. <table role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;background:#bbbaba;width:100%;" width="100%" align="center" border="0">
  1542. <tbody>
  1543. <tr>
  1544. <td height="14" style="font-size:0px;line-height:0px;" colspan="5">&nbsp;</td>
  1545. </tr>
  1546. <tr>
  1547. <td style="font-size:0px;line-height:0px;"><table role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;background-color:#ffffff" align="center" border="0">
  1548. <tbody>
  1549. <tr>
  1550. <td height="1">&nbsp;</td>
  1551. </tr>
  1552. </tbody>
  1553. </table></td>
  1554. <td width="20" style="width:20px;">&nbsp;</td>
  1555. <td class="section-divider-inner" style="vertical-align:middle;text-align:center;width:10%;white-space:nowrap;"><div style="cursor:auto;color:#ffffff;font-family:HelveticaNeue-Medium, Helvetica Neue Medium, Helvetica, Arial, sans-serif;font-weight:500;font-size:13px;line-height:18px;text-transform:uppercase;"> Get more from American&nbsp;Express<span style="font-size: 11px;vertical-align:2px;" class="bp-small-text">®</span> </div></td>
  1556. <td width="20" style="width:20px;">&nbsp;</td>
  1557. <td style="font-size:0px;line-height:0px;"><table role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;background-color:#ffffff" align="center" border="0">
  1558. <tbody>
  1559. <tr>
  1560. <td height="1">&nbsp;</td>
  1561. </tr>
  1562. </tbody>
  1563. </table></td>
  1564. </tr>
  1565. <tr>
  1566. <td height="14" style="font-size:0px;line-height:0px;" colspan="5">&nbsp;</td>
  1567. </tr>
  1568. </tbody>
  1569. </table>
  1570. </div>
  1571.  
  1572. <!--[if mso | IE]>
  1573. </td></tr></table>
  1574. <![endif]-->
  1575. <!-- END: TM06 Section Divider -->
  1576.  
  1577. <!--[if mso | IE]>
  1578. <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="620" align="center" style="width:620px;">
  1579. <tr>
  1580. <td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
  1581. <![endif]-->
  1582.  
  1583. <div style="margin:0px auto;max-width:620px;background:#FFFFFF;">
  1584. <table class="fm-cross-sell" role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;background:#FFFFFF;border-bottom:1px solid #dddddd;">
  1585. <tr>
  1586. <td class="fm-cross-gutter" width="40">&nbsp;</td>
  1587. <td class="fm-cross-container"><table role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;background:#FFFFFF;" align="center" border="0">
  1588. <tbody>
  1589. <tr>
  1590.  
  1591. <!-- Start: Cross Sell Icon -->
  1592. <th class="fm-cross-icon fm-cross-row" style="text-align:center;vertical-align:top;direction:ltr;font-size:0px;padding:22px 0px 24px 0px;font-weight:normal;"> <table role="presentation" cellpadding="0" cellspacing="0" width="100%" border="0">
  1593. <tbody>
  1594. <tr>
  1595. <td style="word-break:break-word;font-size:0px;padding:0px 10px 10px 10px;" align="center"><table role="presentation" cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-spacing:0px;" align="center" border="0">
  1596. <tbody>
  1597. <tr>
  1598. <td style="width:48px;"><a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex6" target="_blank"> <img src="http://f.email.americanexpress.com/i/45/268935401/CAN_ICSS_COBALT_ENG_01_travel.gif" alt="Amex Travel Online" title="Amex Travel Online" height="auto" style="border:none;border-radius:;display:block;outline:none;text-decoration:none;height:auto;color:#1274b8;font-size:9px;font-family: sans-serif;" width="48"> </a></td>
  1599. </tr>
  1600. </tbody>
  1601. </table></td>
  1602. </tr>
  1603. <tr>
  1604. <td style="word-break:break-word;font-size:0px;padding:0px;" align="center"><div style="cursor:auto;color:#333333;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:15px;line-height:18px;width:120px;"> <a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex6" target="_blank" class="fm-cross-link" style="color: #1274B8; text-decoration: none;">Amex Travel <br>Online</a> </div></td>
  1605. </tr>
  1606. </tbody>
  1607. </table>
  1608. </th>
  1609. <!-- End: Cross Sell Icon -->
  1610.  
  1611. <!-- Start: Cross Sell Icon -->
  1612. <th class="fm-cross-icon" style="text-align:center;vertical-align:top;direction:ltr;font-size:0px;padding:22px 0px 24px 0px;font-weight:normal;"> <table role="presentation" cellpadding="0" cellspacing="0" width="100%" border="0">
  1613. <tbody>
  1614. <tr>
  1615. <td style="word-break:break-word;font-size:0px;padding:0px 10px 10px 10px;" align="center"><table role="presentation" cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-spacing:0px;" align="center" border="0">
  1616. <tbody>
  1617. <tr>
  1618. <td style="width:48px;"><a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex8" target="_blank"> <img src="http://f.email.americanexpress.com/i/45/268935401/CAN_ICSS_COBALT_ENG_01_mobile-app.gif" alt="Get the Amex App"title="Get the Amex App" height="auto" style="border:none;border-radius:;display:block;outline:none;text-decoration:none;height:auto;color:#1274b8;font-size:9px;font-family: sans-serif;" width="48"> </a></td>
  1619. </tr>
  1620. </tbody>
  1621. </table></td>
  1622. </tr>
  1623. <tr>
  1624. <td style="word-break:break-word;font-size:0px;padding:0px;" align="center"><div style="cursor:auto;color:#333333;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;line-height:18px;width:120px;"> <a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex8" target="_blank" class="fm-cross-link" style="color: #1274B8; text-decoration: none;">Get the <br>Amex&nbsp;App</a> </div></td>
  1625. </tr>
  1626. </tbody>
  1627. </table>
  1628. </th>
  1629. <!-- End: Cross Sell Icon -->
  1630.  
  1631. <!-- Start: Cross Sell Icon -->
  1632. <th class="fm-cross-icon fm-cross-row" style="text-align:center;vertical-align:top;direction:ltr;font-size:0px;padding:22px 0px 24px 0px;font-weight:normal;"> <table role="presentation" cellpadding="0" cellspacing="0" width="100%" border="0">
  1633. <tbody>
  1634. <tr>
  1635. <td style="word-break:break-word;font-size:0px;padding:0px 10px 10px 10px;" align="center"><table role="presentation" cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-spacing:0px;" align="center" border="0">
  1636. <tbody>
  1637. <tr>
  1638. <td style="width:48px;"><a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex16" target="_blank"> <img src="http://f.email.americanexpress.com/i/45/268935401/CAN_ICSS_COBALT_ENG_01_invites-entertainment.gif" alt="American&nbsp;Express Invites®" title="American&nbsp;Express Invites®" height="auto" style="border:none;border-radius:;display:block;outline:none;text-decoration:none;height:auto;color:#1274b8;font-size:9px;font-family: sans-serif;" width="48"> </a></td>
  1639. </tr>
  1640. </tbody>
  1641. </table></td>
  1642. </tr>
  1643. <tr>
  1644. <td style="word-break:break-word;font-size:0px;padding:0px;" align="center"><div style="cursor:auto;color:#333333;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:15px;line-height:18px;width:120px;"> <a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex16" target="_blank" class="fm-cross-link" style="color: #1274B8; text-decoration: none;">American <br>Express Invites<sup style="font-size:75%; line-height:0">®</sup></a> </div></td>
  1645. </tr>
  1646. </tbody>
  1647. </table>
  1648. </th>
  1649. <!-- End: Cross Sell Icon -->
  1650.  
  1651. <!-- Start: Cross Sell Icon -->
  1652. <th class="fm-cross-icon" style="text-align:center;vertical-align:top;direction:ltr;font-size:0px;padding:22px 0px 24px 0px;font-weight:normal;"> <table role="presentation" cellpadding="0" cellspacing="0" width="100%" border="0">
  1653. <tbody>
  1654. <tr>
  1655. <td style="word-break:break-word;font-size:0px;padding:0px 10px 10px 10px;" align="center"><table role="presentation" cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-spacing:0px;" align="center" border="0">
  1656. <tbody>
  1657. <tr>
  1658. <td style="width:48px;"><a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex15" target="_blank"> <img src="http://f.email.americanexpress.com/i/45/268935401/CAN_ICSS_COBALT_ENG_01_online-statements-only-paperless.gif" alt="Go Paperless" title="Go Paperless" height="auto" style="border:none;border-radius:;display:block;outline:none;text-decoration:none;height:auto;color:#1274b8;font-size:9px;font-family: sans-serif;" width="48"> </a></td>
  1659. </tr>
  1660. </tbody>
  1661. </table></td>
  1662. </tr>
  1663. <tr>
  1664. <td style="word-break:break-word;font-size:0px;padding:0px;" align="center"><div style="cursor:auto;color:#333333;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;line-height:18px;width:120px;"> <a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex15" target="_blank" class="fm-cross-link" style="color: #1274B8; text-decoration: none;">Go Paperless</a> </div></td>
  1665. </tr>
  1666. </tbody>
  1667. </table>
  1668. </th>
  1669. <!-- End: Cross Sell Icon -->
  1670.  
  1671. </tr>
  1672. </tbody>
  1673. </table></td>
  1674. <td class="fm-cross-gutter" width="40">&nbsp;</td>
  1675. </tr>
  1676. </table>
  1677. </div>
  1678.  
  1679. <!--[if mso | IE]>
  1680. </td></tr></table>
  1681. <![endif]-->
  1682. <!-- END: FM01 Cross Sell Icons -->
  1683.  
  1684. <!-- START: FM02 Social Icons -->
  1685. <!--[if mso | IE]>
  1686. <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="620" align="center" style="width:620px;">
  1687. <tr>
  1688. <td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;border-bottom:1px solid #ddd;background:#FFFFFF;">
  1689. <![endif]-->
  1690.  
  1691. <div style="margin:0px auto;max-width:620px;background:#FFFFFF;text-align:center;border-bottom:1px solid #ddd;">
  1692. <table role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;background:#FFFFFF;margin:0 auto;" align="center" border="0">
  1693. <tbody>
  1694. <tr>
  1695. <td style="text-align:center;vertical-align:top;direction:ltr;font-size:0px;padding:20px 0px;" align="center"><table role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;" align="center" border="0">
  1696. <tbody>
  1697. <tr>
  1698. <td width="28"><a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex17" target="_blank"> <img src="http://f.email.americanexpress.com/i/45/268935401/CAN_ICSS_COBALT_ENG_01_facebook.gif" alt="Facebook" title="Facebook" height="auto" style="border:none;border-radius:;display:block;outline:none;text-decoration:none;width:100%;height:auto;" width="28"> </a></td>
  1699. <td width="20">&nbsp;</td>
  1700. <td width="28"><a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex13" target="_blank"> <img src="http://f.email.americanexpress.com/i/45/268935401/CAN_ICSS_COBALT_ENG_01_twitter.gif" alt="Twitter" title="Twitter" height="auto"style="border:none;border-radius:;display:block;outline:none;text-decoration:none;width:100%;height:auto;" width="28"> </a></td>
  1701.  
  1702. <!--
  1703. Make sure to include a spacer after additional links,
  1704. like the one below:
  1705.  
  1706. <td width="20">&nbsp;</td>
  1707. -->
  1708. </tr>
  1709. </tbody>
  1710. </table></td>
  1711. </tr>
  1712. </tbody>
  1713. </table>
  1714. </div>
  1715.  
  1716. <!--[if mso | IE]>
  1717. </td></tr></table>
  1718. <![endif]-->
  1719. <!-- END: FM02 Social Icons -->
  1720.  
  1721. <!-- START: FM03 Footer Nav Bar -->
  1722. <!--[if mso | IE]>
  1723. <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="620" align="center" style="width:620px;">
  1724. <tr>
  1725. <td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
  1726. <![endif]-->
  1727.  
  1728. <div style="margin:0px auto;max-width:620px;background:#FFFFFF;">
  1729. <table role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;background:#FFFFFF;" align="center" border="0">
  1730. <tbody>
  1731. <tr>
  1732. <td class="fm-nav-links" style="text-align:center;vertical-align:top;font-size:0px;padding:16px 40px 15px 40px;"><!--[if mso |IE]>
  1733. <table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:top;width:620px;">
  1734. <![endif]-->
  1735.  
  1736. <div aria-labelledby="mj-column-per-100" class="mj-column-per-100 outlook-group-fix" style="vertical-align:top;display:inline-block;direction:ltr;font-size:13px;text-align:left;width:100%;">
  1737. <table role="presentation" cellpadding="0" cellspacing="0" width="100%" border="0">
  1738. <tbody>
  1739. <tr>
  1740. <td style="word-break:break-word;font-size:0px;padding:0px;" align="center"><div>
  1741. <div class="mj-inline-links" style="width:100%;text-align:center;">
  1742. <!--[if gte mso 9]>
  1743. <table role="presentation" border="0" cellpadding="0" cellspacing="0" align="center">
  1744. <tr>
  1745. <![endif]-->
  1746. <!--[if gte mso 9]>
  1747. <td style="padding: 0 42px">
  1748. <![endif]--><a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex5" target="_blank" class="fm-nav-link " style="display:inline-block;text-decoration:none;text-transform:none;color:#1274B8;font-family:HelveticaNeue, Helvetica Neue Regular,Helvetica, Arial, sans-serif;font-size:14px;font-weight:normal;line-height:22px;padding:0 22px;white-space:nowrap;">Privacy</a>
  1749. <!--[if gte mso 9]>
  1750. </td>
  1751. <![endif]-->
  1752. <!--[if gte mso 9]>
  1753. <td style="padding: 0 30px">
  1754. <![endif]--><a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex14" target="_blank" class="fm-nav-link fm-border" style="display:inline-block;text-decoration:none;text-transform:none;color:#1274B8;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:14px;font-weight:normal;line-height:22px;padding:0 22px;white-space:nowrap;">Contact&nbsp;us</a>
  1755. <!--[if gte mso 9]>
  1756. </td>
  1757. <![endif]-->
  1758. <!--[if gte mso 9]>
  1759. <td style="padding: 0 24px">
  1760. <![endif]--><a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex11" target="_blank" class="fm-nav-link fm-border" style="display:inline-block;text-decoration:none;text-transform:none;color:#1274B8;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:14px;font-weight:normal;line-height:22px;padding:0 22px;white-space:nowrap;">Update&nbsp;email</a>
  1761. <!--[if gte mso 9]>
  1762. </td>
  1763. <![endif]-->
  1764. <!--[if gte mso 9]>
  1765. <td style="padding: 0 25px">
  1766. <![endif]--><a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex12#/ipp" target="_blank" class="fm-nav-link fm-border" style="display:inline-block;text-decoration:none;text-transform:none;color:#1274B8;font-family:HelveticaNeue, Helvetica Neue Regular, Helvetica, Arial, sans-serif;font-size:14px;font-weight:normal;line-height:22px;padding:0 22px;white-space:nowrap;">Unsubscribe</a>
  1767. <!--[if gte mso 9]>
  1768. </td>
  1769. <![endif]-->
  1770. <!--[if gte mso 9]>
  1771. </tr>
  1772. </table>
  1773. <![endif]-->
  1774. </div>
  1775. </div></td>
  1776. </tr>
  1777. </tbody>
  1778. </table>
  1779. </div>
  1780.  
  1781. <!--[if mso | IE]>
  1782. </td></tr></table>
  1783. <![endif]--></td>
  1784. </tr>
  1785. </tbody>
  1786. </table>
  1787. </div>
  1788.  
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  1792.  
  1793. <!-- END: FM03 Footer Nav Bar -->
  1794.  
  1795. <!-- ADD the COMPONENTS code ABOVE THIS LINE ONLY --></td>
  1796. <td>&nbsp;</td>
  1797. </tr>
  1798. <tr>
  1799. <td>&nbsp;</td>
  1800. <td class="wrapper-inner" style="width:620px;"><!--- ADD the TERMS AND CONDITIONS code BELOW THIS LINE (FM04-terms_and_conditions.html) -->
  1801.  
  1802. <!--START: FM04 Terms and Conditions -->
  1803. <!--[if mso | IE]>
  1804. <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="620" align="center" style="width:620px;">
  1805. <tr>
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  1807. <![endif]-->
  1808.  
  1809. <div style="margin:0px auto;max-width:620px;">
  1810. <table role="presentation" cellpadding="0" cellspacing="0" style="font-size:0px;width:100%;" align="center" border="0">
  1811. <tbody>
  1812. <tr>
  1813. <td style="text-align:left;vertical-align:top;direction:ltr;font-size:0px;padding:0px;padding-top:16px;padding-left:7px;padding-right:7px;"><div style="cursor:auto;color:#555555;font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:12px;line-height:18px;">
  1814. <p>1. All references to you means the Basic&nbsp;Cardmember. </p>
  1815.  
  1816. <p>2. To be eligible for this referral bonus, your friend must apply for the Cobalt Card from October 2, 2018 to January 16, 2019.&nbsp;We can still accept applications after this date but you may or may not be eligible for a bonus. See Referral Program Terms for details. Your account must be in good standing. If this is a personal or family referral, you agree to only make recommendations to known friends and family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. If this is a referral in the context of your business, you agree to only make recommendations to business contacts whom you know and have consented to receive this recommendation from you. You must not send recommendations to people you do not know. Whenever youreach out to a potential referral, you will only use content we provide. Any additional statements you make cannot be inconsistent with our content and must be truthful, accurate and not misleading. You should not publish ordistribute your referral link in locations where the audience is likely toinclude individuals with whom you do not have a business, personal or family relationship or who may not be interested in the offer. You can only receive a maximum referral bonus of 75,000 Membership Rewards points per calendar year for approved referrals, which includes eligible referral bonus amounts from both (i) special or limited time referral offers and (ii) regularreferral offers in that same calendar year. Bonus point maximums may change at any time and if you change card products. Should the referral bonus amount change during the calendar year, you may receive a partial bonus depending on the available maximum bonus points. You are not eligible to receivethis referral bonus offer if you have already reached your maximum annual referral bonus limit. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions.Your referral bonus will be awarded in the calendar year in which the eligible referral application is approved and not when the referral applicationwas received. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. Referral program varies by product and may be modified, suspended, cancelled or otherwise terminated without notice. Cannot be combined with any other offer. If the people that you referhave already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for any referral bonus that may be offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. You will only use the deliverymethods we provide. By participating in the referral program, you are requesting that emails be sent on your behalf to individuals with whom you havea business, personal or family relationship. Any violation or abuse of this referral program including, sending emails to individuals with whom you have no business, personal or family relationship, efforts to bypass, manipulate, obscure or otherwise modify the delivery and accurate presentation ofthe referral link, sharing tools, content, disclosures, instructions or other materials we provide will be considered a breach of these Terms and make you ineligible for any
  1817. referral bonus and/or result in your termination from the program. Referralprogram participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program (if applicable) when the referral bonus is awarded. American Express reserves the right to limit, cancel, or revoke a referral or welcome bonus if it determines, in its sole discretion, you have violated these Terms. All products and services are subject to applicable Terms and Conditions. </p>
  1818. <p>3. Various offers will be available to Cobalt Cardmembers from time to time. These offers will be communicated by email andother select channels. Conditions apply and vary by&nbsp;offer.</p>
  1819. <p>4. You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. You must redeem a minimum of 1,000 Points per redemption. Redemption rates may vary by Eligible Card. Statement credits on your Card Account should not exceed the aggregate amount of the Eligible Purchase(s) on your Eligible Card. If an otherwise Eligible Purchase participates in the American Express Installment Program, only the amount billed each month will be counted as an Eligible Purchase. You can register for online services to view your Eligible Purchases and to redeem online. Only Eligible Purchases posted to your Card Account during the last 3 months, up to 150 most recent Eligible Purchases will be displayed for redemption. If you wish to redeem points towards an Eligible Purchase within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card. Eligible Travel Purchases: 1,000 points = $10 statement credit. All other eligible purchases: 1,000 points = $7 statement&nbsp;credit.</p>
  1820. <p><strong><a name="ref">Referral Program Terms</a></strong></p>
  1821.  
  1822. <p>Your account must be in good standing. If this is a personal or family referral, you agree to only make recommendations to known friends and family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. If this is a referral in the context of your business, you agree to only make recommendations to business contacts whom you know and have consented to receive this recommendation from you. You must not send recommendations to people you do not know. Whenever you reach out to a potential referral, you will only use content we provide. Any additional statements you make cannot be inconsistent with our content and must be truthful, accurate and not misleading. You should not publish or distribute your referral link in locations where the audience is likely to include individuals with whom you do not have a business, personal or family relationship or who may not be interested in the offer. You can only receive a maximum referral bonus of 75,000 Membership Rewards points per calendar year for approved referrals, which includes eligible referral bonus amounts from both (i) special or limited time referral offers and (ii) regular referral offers in that same calendar year. Bonus point maximums may change at any time and if you change card products. Should the referral bonus amount change during the calendar year, you may receive a partialbonus depending on the available maximum bonus points. You are not eligible to receive this referral bonus offer if you have already reached your maximum annual referral bonus limit. The referral bonus will be awarded to youbased on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms andconditions. Your referral bonus will be awarded in the calendar year in which the eligible referral application is approved and not when the referralapplication is received. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to bebonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. Referral program varies by product and may be modified, suspended, cancelled or otherwise terminatedwithout notice. Cannot be combined with any other offer. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for any referral bonus that may be offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. You will only use the delivery methods we provide. By participating in the referral program, you are requesting that emails be sent on your behalf to individuals with whom you have a business, personal or family relationship. Any violation or abuse of this referral program including, sending emails to individuals withwhom you have no business, personal or family relationship, efforts to bypass, manipulate, obscure or otherwise modify the delivery and accurate presentation of the referral link, sharing tools, content, disclosures, instructions or other materials we provide will be considered a breach of these Terms and make you ineligible for any referral bonus and/or result in your termination from the program. Referral program participants should allow 8 to10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program (if applicable) when the referral
  1823. bonus is awarded. American Express reserves the right to limit, cancel, or revoke a referral or welcome bonus if it determines, in its sole discretion, you have violated these Terms. All products and services are subject to applicable Terms and Conditions.</p>
  1824.  
  1825. <p>®: Used by Amex Bank of Canada under license from American&nbsp;Express.</p>
  1826. <p>Sent from Amex Bank of Canada, P.O. Box 3204, Station “F”, Toronto, ON, M1W 3W7. You can contact us or verify with us the authenticity of this e-mail by visiting <a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex4" target="_blank" style="color:#555; text-decoration:underline;">www.americanexpress.ca/contactus</a>. </p>
  1827. <p>Note that this e-mail was sent to dermothjclarke@hotmail.com. If you received this e-mail at a different address, this e-mail message was&nbsp;forwarded. </p>
  1828. <p>If you do not wish to receive e-mail offers fromAmerican Express in the future, please <a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex12#/ipp" target="_blank" style="color:#555; text-decoration:underline;">click here</a>. This e-mail address is not monitored for other inquiries and messages received cannot be responded&nbsp;to. </p>
  1829. <p>To find out how we collect, use and safeguard your personal information, please visit <a href="http://email.americanexpress.com/a/hBcKvPQBl0YrbB9pS3nNwrCUt.Bl0Yrbnu/amex5" target="_blank" style="color:#555; text-decoration:underline;">www.americanexpress.ca/privacy</a>. <br><br>ECA_MR_0118_E03_B - 313232
  1830. </p>
  1831.  
  1832. </div></td>
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  1844. <td>&nbsp;</td>
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