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Reply-To: "HSBC UK Bank plc" <communication@mail.insight.business.hsbc.com>
From: "HSBC UK Bank plc" <communication@mail.insight.business.hsbc.com>
To: <bob@sarahharvey.com>
Subject: Get the latest view on the UK economy and register for our next fraud webinar
Date: Wed, 29 Oct 2025 09:32:06 -0000
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Plus: Apple Pay & Google Pay™ are live!









Trouble viewing this email? 
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View in browser



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Your service update from HSBC UK Commercial Banking

Welcome to your monthly service update to help you get the most out of 
banking with HSBC UK. This month you can find the latest news on the UK 
economy, details on our upcoming fraud webinars, and information on using 
Apple Pay with your HSBC Business Cards.








  _____








 <https://app.mail.insight.business.hsbc.com/e/er?cid=0&ElqID=2010325&s=1706134858&lid=18013&elqTrackId=9EC39DE05C85901095A2BD65BFCCF7A6&elq=a9e7176a2636484f98b5f7a0f069add0&elqaid=18193&elqat=1&elqak=8AF5F7932A60529E7B6332D1A1CB571DC5037B5642CBA10B2EF314D1510D4D4703D4>








UK in Focus: Essential economic news for businesses

There was weakness across a broad range of indicators in September as 
existing challenges combine with near-term uncertainty. Meanwhile there was 
a lack of disinflation, putting the BoE’s interest rate cuts on hold until 
Spring 2026.








 <https://app.mail.insight.business.hsbc.com/e/er?cid=0&ElqID=2010325&s=1706134858&lid=18013&elqTrackId=87310346BEFD60B4FC85D2534FA57DD7&elq=a9e7176a2636484f98b5f7a0f069add0&elqaid=18193&elqat=1&elqak=8AF52315E935739C850D0E3C5D0BC3EF04B97B5642CBA10B2EF314D1510D4D4703D4> 
Read the report

  _____








  <https://images.mail.insight.business.hsbc.com/EloquaImages/clients/HSBCGlobalServicesUKLimited/%7Be671ebc6-015e-489b-b281-922c2d438d46%7D_Webinar_Fraud___Cyber_Awareness.png>








Webinar: Fraud & Cyber Awareness
Date: Tuesday 18 November 2025

Join us for a non-technical Fraud and Cyber Awareness session where members 
of our Fraud Business Management Team recognise International Fraud 
Awareness Week. The team will also discuss prominent Black Friday scams, and 
how to guard against techniques used by fraudsters over the holiday period.








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Session 1: 10:00am - Register now

 <https://app.mail.insight.business.hsbc.com/e/er?cid=0&ElqID=2010325&s=1706134858&lid=17962&elqTrackId=7FBF0D572ED9E51B038EAC98E80DBB6E&elq=a9e7176a2636484f98b5f7a0f069add0&elqaid=18193&elqat=1&elqak=8AF5EA9163D1DC718D59F033325C5F834FAD7B5642CBA10B2EF314D1510D4D4703D4> 
Session 2: 3:00pm - Register now






  _____







Apple Pay & Google Pay™ are live!

You can now use Apple Pay & Google Pay in stores, online and in-apps, for a 
quick and easy way to make payments.

To set up Apple Pay or Google Pay either open the digital wallet on your 
mobile device and follow the on-screen instructions, log on to your HSBC UK 
Business Banking, Corporate Card or Kinetic App, select the card you want to 
add and follow the onscreen instructions.

 <https://app.mail.insight.business.hsbc.com/e/er?cid=0&ElqID=2010325&s=1706134858&lid=17584&elqTrackId=136A47ED92932B56630BABB9D509FAFA&elq=a9e7176a2636484f98b5f7a0f069add0&elqaid=18193&elqat=1&elqak=8AF5607243BBBA0D2C1B3444E359D7F4DEF87B5642CBA10B2EF314D1510D4D4703D4> 
How to set up Apple Pay

 <https://app.mail.insight.business.hsbc.com/e/er?cid=0&ElqID=2010325&s=1706134858&lid=17961&elqTrackId=221ACF31491E19FA9522D11F25C3DD65&elq=a9e7176a2636484f98b5f7a0f069add0&elqaid=18193&elqat=1&elqak=8AF56BD314E8AF1461C3E32DD48052EB59FD7B5642CBA10B2EF314D1510D4D4703D4> 
How to set up Google Pay

*Google Pay and Google Wallet are trademarks of Google LLC








  _____







Connect with us

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HSBC UK Bank plc registered in England and Wales number 09928412. Registered 
Office: 1 Centenary Square, Birmingham, B1 1HQ, United Kingdom. Authorised 
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row-1" role=3D"presentation">
          <tbody>
            <tr>
              <td style=3D"background:#ffffff;">
                <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                  <tbody>
                    <tr>
                      <td>
                        <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                          <tbody>
                            <tr>
                              <td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
                                <table class=3D"tolkien-column =
tolkien-column-12 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:100%;width:-=
webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:480px;min-width:-webkit-calc(100%);min-width:calc(100%)=
;" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td class=3D"elq-image-cell  cell =
cell-0" style=3D"background-color:transparent;line-height:0;padding:30px =
30px 30px 30px;text-align:left;">
                                        <!--[if mso]><table =
width=3D"100%" style=3D"width:100%;height:auto;max-width:181px" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
style=3D"padding-right: 0px; padding-left: 0px;" =
align=3D"left"><![endif]--><a target=3D"_blank" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D149&elqTrackId=3D399C065960433499C1F17CB0C927=
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k=3D8AF50E1E7558BA0254DB62007880EE493A5C7B5642CBA10B2EF314D1510D4D4703D4"=
 data-targettype=3D"webpage">
                                          <img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7B6457c929-4c33-48c6-af62-6f04d5732d13%7D_H=
SBC_Logo-1.jpg" height=3D"40" width=3D"181" =
style=3D"width:100%;height:auto;max-width:181px;" /></a>
                                        <!--[if =
mso]></td></tr></table><![endif]-->
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                              </td>
                            </tr>
                          </tbody>
                        </table>
                      </td>
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              </td>
            </tr>
          </tbody>
        </table>
        <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-2" role=3D"presentation">
          <tbody>
            <tr>
              <td style=3D"background:#ffffff;">
                <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                  <tbody>
                    <tr>
                      <td>
                        <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                          <tbody>
                            <tr>
                              <td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
                                <table class=3D"tolkien-column =
tolkien-column-12 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
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48000%);min-width:480px;min-width:-webkit-calc(100%);min-width:calc(100%)=
;" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td class=3D"elq-image-cell  cell =
cell-0" style=3D"background-color:transparent;line-height:0;padding:0px =
0px 0px 0px;text-align:center;">
                                        <!--[if mso]><table =
width=3D"100%" style=3D"width:100%;height:auto;max-width:600px" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
style=3D"padding-right: 0px; padding-left: 0px;" =
align=3D"center"><![endif]-->
                                        <img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7Bdc1d4e7c-fb7f-4357-8ecc-75ef1ba559a9%7D_B=
B_September_newsletters_Banner.png" height=3D"200" width=3D"600" =
style=3D"width:100%;height:auto;max-width:1200px;" />
                                        <!--[if =
mso]></td></tr></table><![endif]-->
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                              </td>
                            </tr>
                          </tbody>
                        </table>
                      </td>
                    </tr>
                  </tbody>
                </table>
              </td>
            </tr>
          </tbody>
        </table>
        <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-3" role=3D"presentation">
          <tbody>
            <tr>
              <td style=3D"background:#ffffff;">
                <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                  <tbody>
                    <tr>
                      <td>
                        <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                          <tbody>
                            <tr>
                              <td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:30px 10px =
15px 10px;" class=3D"elq-text-cell cell cell-0">
                                        <div =
style=3D"display:inline-block;width:100%;">
                                          <div data-lineheight=3D"1.5" =
style=3D"line-height: 39px;"><span style=3D"font-size: 26px;">Your =
service update from HSBC UK Commercial Banking</span></div>
                                          <div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
                                          <div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">Welcome to =
your monthly service update to help you get the most out of banking with =
HSBC UK. This month you can find the latest news on the UK economy, =
details on our upcoming fraud webinars, and information on using Apple =
Pay with your HSBC Business Cards.&nbsp;</span></div>
                                        </div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                              </td>
                            </tr>
                          </tbody>
                        </table>
                      </td>
                    </tr>
                  </tbody>
                </table>
              </td>
            </tr>
          </tbody>
        </table>
        <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-4" role=3D"presentation">
          <tbody>
            <tr>
              <td style=3D"background:#ffffff;">
                <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                  <tbody>
                    <tr>
                      <td>
                        <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                          <tbody>
                            <tr>
                              <td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:0px 10px =
10px 10px;" class=3D"elq-divider-cell cell cell-0">
                                        <div>
                                          <!--[if mso]>
    <center>
        <table width=3D100%>
          <tbody>
            <tr>
              <td style=3D"border-top: 1px solid =
#A6A6A6;font-size:1px;">
                <div style=3D{{ display: 'none' }}>
                  &nbsp;
                </div>
              </td>
            </tr>
          </tbody>
        </table>
      </center>
      <![endif]-->

                                          <!--[if !mso]>-->
                                          <hr style=3D"width:100%;=20
          border:none;
          border-top-width: 1px; border-top-style: solid; =
border-top-color: #A6A6A6;">
                                          </hr>

                                          <!--<![endif]-->
                                        </div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                              </td>
                            </tr>
                          </tbody>
                        </table>
                      </td>
                    </tr>
                  </tbody>
                </table>
              </td>
            </tr>
          </tbody>
        </table>
        <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-5" role=3D"presentation">
          <tbody>
            <tr>
              <td style=3D"background:#ffffff;">
                <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                  <tbody>
                    <tr>
                      <td>
                        <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                          <tbody>
                            <tr>
                              <td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td class=3D"elq-image-cell  cell =
cell-0" style=3D"background-color:transparent;line-height:0;padding:0px =
0px 0px 0px;text-align:center;">
                                        <!--[if mso]><table =
width=3D"100%" style=3D"width:100%;height:auto;max-width:500px" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
style=3D"padding-right: 0px; padding-left: 0px;" =
align=3D"center"><![endif]--><a target=3D"_blank" =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D18013&elqTrackId=3D9EC39DE05C85901095A2BD65BF=
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qak=3D8AF5F7932A60529E7B6332D1A1CB571DC5037B5642CBA10B2EF314D1510D4D4703D=
4" data-targettype=3D"webpage">
                                          <img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7Ba0e2cf6d-d0a7-475c-a191-662df04df06d%7D_U=
K_in_focus.png" height=3D"136" width=3D"500" =
style=3D"width:100%;height:auto;max-width:1016px;" /></a>
                                        <!--[if =
mso]></td></tr></table><![endif]-->
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                              </td>
                            </tr>
                          </tbody>
                        </table>
                      </td>
                    </tr>
                  </tbody>
                </table>
              </td>
            </tr>
          </tbody>
        </table>
        <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-6" role=3D"presentation">
          <tbody>
            <tr>
              <td style=3D"background:#ffffff;">
                <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                  <tbody>
                    <tr>
                      <td>
                        <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                          <tbody>
                            <tr>
                              <td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
0px 30px;" class=3D"elq-text-cell cell cell-0">
                                        <div =
style=3D"display:inline-block;width:100%;">
                                          <div data-lineheight=3D"1.5" =
style=3D"line-height: 39px;"><span style=3D"font-size: 26px;">UK in =
Focus: Essential economic news for businesses</span></div>
                                          <div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
                                          <div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">There was =
weakness across a broad range of indicators in September as existing =
challenges combine with near-term uncertainty. Meanwhile there was a =
lack of disinflation, putting the BoE=E2=80=99s interest rate cuts on =
hold until Spring 2026.&nbsp;</span></div>
                                        </div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                              </td>
                            </tr>
                          </tbody>
                        </table>
                      </td>
                    </tr>
                  </tbody>
                </table>
              </td>
            </tr>
          </tbody>
        </table>
        <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-7" role=3D"presentation">
          <tbody>
            <tr>
              <td style=3D"background:#ffffff;">
                <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                  <tbody>
                    <tr>
                      <td>
                        <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                          <tbody>
                            <tr>
                              <td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
20px 30px;" class=3D"elq-button-cell cell cell-0">
                                        <div =
style=3D"text-align:left;font-family:Arial, Helvetica, sans-serif;">
                                          <div>

                                            <!--[if gte mso 9]>
          <div title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" style=3D"text-decoration: none;">
            <table class=3D"null" cellSpacing=3D"0" cellPadding=3D"0" =
style=3D"display: inline-table;font-size: 12px; border: =
0px;border-spacing: 0px;border-collapse: separate;vertical-align: =
top;margin: 0px auto; width: initial; table-layout: fixed;">
              <tbody>
                <tr style=3D"vertical-align: top;">
                  <td style=3D"font-family: Arial, Helvetica, =
sans-serif; vertical-align: middle; word-wrap: break-word; =
overflow-wrap: break-word; color: #fff; text-align: center; =
background-color: #DB0011; padding: 10px 15px 10px 15px; border-radius: =
4px; border: 2px none #000000;">
        <![endif]-->
                                          </div><a =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D18013&elqTrackId=3D87310346BEFD60B4FC85D2534F=
A57DD7&elq=3Da9e7176a2636484f98b5f7a0f069add0&elqaid=3D18193&elqat=3D1&el=
qak=3D8AF52315E935739C850D0E3C5D0BC3EF04B97B5642CBA10B2EF314D1510D4D4703D=
4" target=3D"_blank" title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" data-targetid=3D"" =
style=3D"text-decoration:none;vertical-align:middle;word-wrap:break-word;=
overflow-wrap:break-word;color:#fff;text-align:center;background-color:#D=
B0011;padding:10px 15px 10px =
15px;border-radius:4px;display:inline-block;max-width:100%;width:auto;"><=
span =
style=3D"background-color:#DB0011;cursor:pointer;text-decoration:none;use=
r-select:none;"><span><strong style=3D"font-size: 16px;">Read the =
report</strong></span></span></a>
                                          <div>
                                            <!--[if gte mso =
9]></td></tr></tbody></table></div><![endif]-->
                                          </div>
                                        </div>
                                      </td>
                                    </tr>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:0px 10px =
30px 10px;" class=3D"elq-divider-cell cell cell-1">
                                        <div>
                                          <!--[if mso]>
    <center>
        <table width=3D100%>
          <tbody>
            <tr>
              <td style=3D"border-top: 1px solid =
#A6A6A6;font-size:1px;">
                <div style=3D{{ display: 'none' }}>
                  &nbsp;
                </div>
              </td>
            </tr>
          </tbody>
        </table>
      </center>
      <![endif]-->

                                          <!--[if !mso]>-->
                                          <hr style=3D"width:100%;=20
          border:none;
          border-top-width: 1px; border-top-style: solid; =
border-top-color: #A6A6A6;">
                                          </hr>

                                          <!--<![endif]-->
                                        </div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                              </td>
                            </tr>
                          </tbody>
                        </table>
                      </td>
                    </tr>
                  </tbody>
                </table>
              </td>
            </tr>
          </tbody>
        </table>
        <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-8" role=3D"presentation">
          <tbody>
            <tr>
              <td style=3D"background:#ffffff;">
                <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                  <tbody>
                    <tr>
                      <td>
                        <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                          <tbody>
                            <tr>
                              <td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td class=3D"elq-image-cell  cell =
cell-0" style=3D"background-color:transparent;line-height:0;padding:0px =
0px 0px 0px;text-align:center;">
                                        <!--[if mso]><table =
width=3D"100%" style=3D"width:100%;height:auto;max-width:500px" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
style=3D"padding-right: 0px; padding-left: 0px;" =
align=3D"center"><![endif]-->
                                        <img =
src=3D"https://images.mail.insight.business.hsbc.com/EloquaImages/clients=
/HSBCGlobalServicesUKLimited/%7Be671ebc6-015e-489b-b281-922c2d438d46%7D_W=
ebinar_Fraud___Cyber_Awareness.png" height=3D"136" width=3D"500" =
style=3D"width:100%;height:auto;max-width:1016px;" />
                                        <!--[if =
mso]></td></tr></table><![endif]-->
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                              </td>
                            </tr>
                          </tbody>
                        </table>
                      </td>
                    </tr>
                  </tbody>
                </table>
              </td>
            </tr>
          </tbody>
        </table>
        <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-9" role=3D"presentation">
          <tbody>
            <tr>
              <td style=3D"background:#ffffff;">
                <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                  <tbody>
                    <tr>
                      <td>
                        <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                          <tbody>
                            <tr>
                              <td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
0px 30px;" class=3D"elq-text-cell cell cell-0">
                                        <div =
style=3D"display:inline-block;width:100%;">
                                          <div data-lineheight=3D"1.5" =
style=3D"line-height: 39px;"><span style=3D"font-size: 26px;">Webinar: =
Fraud &amp; Cyber Awareness</span></div>
                                          <div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><strong style=3D"font-size: =
16px;">Date:</strong><span style=3D"font-size: 16px;"> Tuesday 18 =
November 2025</span></div>
                                          <div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
                                          <div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">Join us =
for a non-technical Fraud and Cyber Awareness session where members of =
our Fraud Business Management Team recognise International Fraud =
Awareness Week. The team will also discuss prominent Black Friday scams, =
and how to guard against techniques used by fraudsters over the holiday =
period.&nbsp;</span></div>
                                        </div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                              </td>
                            </tr>
                          </tbody>
                        </table>
                      </td>
                    </tr>
                  </tbody>
                </table>
              </td>
            </tr>
          </tbody>
        </table>
        <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-10" role=3D"presentation">
          <tbody>
            <tr>
              <td style=3D"background:#ffffff;">
                <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                  <tbody>
                    <tr>
                      <td>
                        <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                          <tbody>
                            <tr>
                              <td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:30px 30px =
0px 30px;" class=3D"elq-button-cell cell cell-0">
                                        <div =
style=3D"text-align:left;font-family:Arial, Helvetica, sans-serif;">
                                          <div>

                                            <!--[if gte mso 9]>
          <div title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" style=3D"text-decoration: none;">
            <table class=3D"null" cellSpacing=3D"0" cellPadding=3D"0" =
style=3D"display: inline-table;font-size: 12px; border: =
0px;border-spacing: 0px;border-collapse: separate;vertical-align: =
top;margin: 0px auto; width: initial; table-layout: fixed;">
              <tbody>
                <tr style=3D"vertical-align: top;">
                  <td style=3D"font-family: Arial, Helvetica, =
sans-serif; vertical-align: middle; word-wrap: break-word; =
overflow-wrap: break-word; color: #fff; text-align: center; =
background-color: #DB0011; padding: 10px 15px 10px 15px; border-radius: =
4px; border: 2px none #000000;">
        <![endif]-->
                                          </div><a =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D17963&elqTrackId=3DBFDFDD725A3D8BDCF9AFC32B99=
786B06&elq=3Da9e7176a2636484f98b5f7a0f069add0&elqaid=3D18193&elqat=3D1&el=
qak=3D8AF5335FDE1796A531C38067BDCF158A631D7B5642CBA10B2EF314D1510D4D4703D=
4" target=3D"_blank" title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" data-targetid=3D"" =
style=3D"text-decoration:none;vertical-align:middle;word-wrap:break-word;=
overflow-wrap:break-word;color:#fff;text-align:center;background-color:#D=
B0011;padding:10px 15px 10px =
15px;border-radius:4px;display:inline-block;max-width:100%;width:auto;"><=
span =
style=3D"background-color:#DB0011;cursor:pointer;text-decoration:none;use=
r-select:none;"><span><strong style=3D"font-size: 16px;">Session 1: =
10:00am - Register now</strong></span></span></a>
                                          <div>
                                            <!--[if gte mso =
9]></td></tr></tbody></table></div><![endif]-->
                                          </div>
                                        </div>
                                      </td>
                                    </tr>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:15px 30px =
20px 30px;" class=3D"elq-button-cell cell cell-1">
                                        <div =
style=3D"text-align:left;font-family:Arial, Helvetica, sans-serif;">
                                          <div>

                                            <!--[if gte mso 9]>
          <div title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" style=3D"text-decoration: none;">
            <table class=3D"null" cellSpacing=3D"0" cellPadding=3D"0" =
style=3D"display: inline-table;font-size: 12px; border: =
0px;border-spacing: 0px;border-collapse: separate;vertical-align: =
top;margin: 0px auto; width: initial; table-layout: fixed;">
              <tbody>
                <tr style=3D"vertical-align: top;">
                  <td style=3D"font-family: Arial, Helvetica, =
sans-serif; vertical-align: middle; word-wrap: break-word; =
overflow-wrap: break-word; color: #fff; text-align: center; =
background-color: #DB0011; padding: 10px 15px 10px 15px; border-radius: =
4px; border: 2px none #000000;">
        <![endif]-->
                                          </div><a =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D17962&elqTrackId=3D7FBF0D572ED9E51B038EAC98E8=
0DBB6E&elq=3Da9e7176a2636484f98b5f7a0f069add0&elqaid=3D18193&elqat=3D1&el=
qak=3D8AF5EA9163D1DC718D59F033325C5F834FAD7B5642CBA10B2EF314D1510D4D4703D=
4" target=3D"_blank" title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" data-targetid=3D"" =
style=3D"text-decoration:none;vertical-align:middle;word-wrap:break-word;=
overflow-wrap:break-word;color:#fff;text-align:center;background-color:#D=
B0011;padding:10px 15px 10px =
15px;border-radius:4px;display:inline-block;max-width:100%;width:auto;"><=
span =
style=3D"background-color:#DB0011;cursor:pointer;text-decoration:none;use=
r-select:none;"><span><strong style=3D"font-size: 16px;">Session 2: =
3:00pm - Register now</strong></span></span></a>
                                          <div>
                                            <!--[if gte mso =
9]></td></tr></tbody></table></div><![endif]-->
                                          </div>
                                        </div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                              </td>
                            </tr>
                          </tbody>
                        </table>
                      </td>
                    </tr>
                  </tbody>
                </table>
              </td>
            </tr>
          </tbody>
        </table>
        <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-11" role=3D"presentation">
          <tbody>
            <tr>
              <td style=3D"background:#ffffff;">
                <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                  <tbody>
                    <tr>
                      <td>
                        <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                          <tbody>
                            <tr>
                              <td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
                                <table class=3D"tolkien-column =
tolkien-column-12 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:100%;width:-=
webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:480px;min-width:-webkit-calc(100%);min-width:calc(100%)=
;" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:0px 10px =
30px 10px;" class=3D"elq-divider-cell cell cell-0">
                                        <div>
                                          <!--[if mso]>
    <center>
        <table width=3D100%>
          <tbody>
            <tr>
              <td style=3D"border-top: 1px solid =
#A6A6A6;font-size:1px;">
                <div style=3D{{ display: 'none' }}>
                  &nbsp;
                </div>
              </td>
            </tr>
          </tbody>
        </table>
      </center>
      <![endif]-->

                                          <!--[if !mso]>-->
                                          <hr style=3D"width:100%;=20
          border:none;
          border-top-width: 1px; border-top-style: solid; =
border-top-color: #A6A6A6;">
                                          </hr>

                                          <!--<![endif]-->
                                        </div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                              </td>
                            </tr>
                          </tbody>
                        </table>
                      </td>
                    </tr>
                  </tbody>
                </table>
              </td>
            </tr>
          </tbody>
        </table>
        <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-12" role=3D"presentation">
          <tbody>
            <tr>
              <td style=3D"background:#ffffff;">
                <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                  <tbody>
                    <tr>
                      <td>
                        <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                          <tbody>
                            <tr>
                              <td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:0px 30px =
10px 30px;" class=3D"elq-text-cell cell cell-0">
                                        <div =
style=3D"display:inline-block;width:100%;">
                                          <div><span style=3D"font-size: =
26px;">Apple Pay &amp; Google Pay=E2=84=A2 are live!</span></div>
                                          <div><br></div>
                                          <div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">You can =
now use Apple Pay &amp; Google Pay in stores, online and in-apps, for a =
quick and easy way to make payments.</span></div>
                                          <div data-lineheight=3D"1.5" =
style=3D"line-height: 18px;"><br></div>
                                          <div data-lineheight=3D"1.5" =
style=3D"line-height: 24px;"><span style=3D"font-size: 16px;">To set up =
Apple Pay or Google Pay either open the digital wallet on your mobile =
device and follow the on-screen instructions, log on to your HSBC UK =
Business Banking, Corporate Card or Kinetic App, select the card you =
want to add and follow the onscreen instructions.</span></div>
                                        </div>
                                      </td>
                                    </tr>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:15px 30px =
15px 30px;" class=3D"elq-button-cell cell cell-1">
                                        <div =
style=3D"text-align:left;font-family:Arial, Helvetica, sans-serif;">
                                          <div>

                                            <!--[if gte mso 9]>
          <div title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" style=3D"text-decoration: none;">
            <table class=3D"null" cellSpacing=3D"0" cellPadding=3D"0" =
style=3D"display: inline-table;font-size: 12px; border: =
0px;border-spacing: 0px;border-collapse: separate;vertical-align: =
top;margin: 0px auto; width: initial; table-layout: fixed;">
              <tbody>
                <tr style=3D"vertical-align: top;">
                  <td style=3D"font-family: Arial, Helvetica, =
sans-serif; vertical-align: middle; word-wrap: break-word; =
overflow-wrap: break-word; color: #fff; text-align: center; =
background-color: #DB0011; padding: 10px 15px 10px 15px; border-radius: =
4px; border: 2px none #000000;">
        <![endif]-->
                                          </div><a =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D17584&elqTrackId=3D136A47ED92932B56630BABB9D5=
09FAFA&elq=3Da9e7176a2636484f98b5f7a0f069add0&elqaid=3D18193&elqat=3D1&el=
qak=3D8AF5607243BBBA0D2C1B3444E359D7F4DEF87B5642CBA10B2EF314D1510D4D4703D=
4" target=3D"_blank" title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" data-targetid=3D"" =
style=3D"text-decoration:none;vertical-align:middle;word-wrap:break-word;=
overflow-wrap:break-word;color:#fff;text-align:center;background-color:#D=
B0011;padding:10px 15px 10px =
15px;border-radius:4px;display:inline-block;max-width:100%;width:auto;"><=
span =
style=3D"background-color:#DB0011;cursor:pointer;text-decoration:none;use=
r-select:none;"><span><strong style=3D"font-size: 16px;">How to set up =
Apple Pay</strong></span></span></a>
                                          <div>
                                            <!--[if gte mso =
9]></td></tr></tbody></table></div><![endif]-->
                                          </div>
                                        </div>
                                      </td>
                                    </tr>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:0px 30px =
30px 30px;" class=3D"elq-button-cell cell cell-2">
                                        <div =
style=3D"text-align:left;font-family:Arial, Helvetica, sans-serif;">
                                          <div>

                                            <!--[if gte mso 9]>
          <div title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" style=3D"text-decoration: none;">
            <table class=3D"null" cellSpacing=3D"0" cellPadding=3D"0" =
style=3D"display: inline-table;font-size: 12px; border: =
0px;border-spacing: 0px;border-collapse: separate;vertical-align: =
top;margin: 0px auto; width: initial; table-layout: fixed;">
              <tbody>
                <tr style=3D"vertical-align: top;">
                  <td style=3D"font-family: Arial, Helvetica, =
sans-serif; vertical-align: middle; word-wrap: break-word; =
overflow-wrap: break-word; color: #fff; text-align: center; =
background-color: #DB0011; padding: 10px 15px 10px 15px; border-radius: =
4px; border: 2px none #000000;">
        <![endif]-->
                                          </div><a =
href=3D"https://app.mail.insight.business.hsbc.com/e/er?cid=3D0&ElqID=3D2=
010325&s=3D1706134858&lid=3D17961&elqTrackId=3D221ACF31491E19FA9522D11F25=
C3DD65&elq=3Da9e7176a2636484f98b5f7a0f069add0&elqaid=3D18193&elqat=3D1&el=
qak=3D8AF56BD314E8AF1461C3E32DD48052EB59FD7B5642CBA10B2EF314D1510D4D4703D=
4" target=3D"_blank" title=3D"" data-targettype=3D"webpage" =
data-targetname=3D"" data-targetid=3D"" =
style=3D"text-decoration:none;vertical-align:middle;word-wrap:break-word;=
overflow-wrap:break-word;color:#fff;text-align:center;background-color:#D=
B0011;padding:10px 15px 10px =
15px;border-radius:4px;display:inline-block;max-width:100%;width:auto;"><=
span =
style=3D"background-color:#DB0011;cursor:pointer;text-decoration:none;use=
r-select:none;"><span><strong style=3D"font-size: 16px;">How to set up =
Google Pay</strong></span></span></a>
                                          <div>
                                            <!--[if gte mso =
9]></td></tr></tbody></table></div><![endif]-->
                                          </div>
                                        </div>
                                      </td>
                                    </tr>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:10px 10px =
10px 10px;" class=3D"elq-text-cell cell cell-3">
                                        <div =
style=3D"display:inline-block;width:100%;">
                                          <div>*Google Pay and Google =
Wallet are trademarks of Google LLC</div>
                                        </div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                              </td>
                            </tr>
                          </tbody>
                        </table>
                      </td>
                    </tr>
                  </tbody>
                </table>
              </td>
            </tr>
          </tbody>
        </table>
        <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-13" role=3D"presentation">
          <tbody>
            <tr>
              <td style=3D"background:#ffffff;">
                <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                  <tbody>
                    <tr>
                      <td>
                        <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                          <tbody>
                            <tr>
                              <td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"83.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-10 col col-1" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:83.33333333%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:400px;min-width:-webkit-calc(83.33333333%);min-width:ca=
lc(83.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:10px 10px =
10px 10px;" class=3D"elq-divider-cell cell cell-0">
                                        <div>
                                          <!--[if mso]>
    <center>
        <table width=3D100%>
          <tbody>
            <tr>
              <td style=3D"border-top: 1px solid =
#000000;font-size:1px;">
                <div style=3D{{ display: 'none' }}>
                  &nbsp;
                </div>
              </td>
            </tr>
          </tbody>
        </table>
      </center>
      <![endif]-->

                                          <!--[if !mso]>-->
                                          <hr style=3D"width:100%;=20
          border:none;
          border-top-width: 1px; border-top-style: solid; =
border-top-color: #000000;">
                                          </hr>

                                          <!--<![endif]-->
                                        </div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                <!--[if (gte mso 9)|(IE)]></td><td =
width=3D"8.33333333%" =
style=3D"text-align:left;vertical-align:top;font-size:0px"><![endif]-->
                                <table class=3D"tolkien-column =
tolkien-column-1 col col-2" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:8.33333333%;=
width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:40px;min-width:-webkit-calc(8.33333333%);min-width:calc=
(8.33333333%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"height:5px;background-color:transparent;line-height:5px;" =
class=3D"elq-space-cell cell cell-0">
                                        <div =
style=3D"height:5px;font-size:5px;">=C2=A0</div>
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                              </td>
                            </tr>
                          </tbody>
                        </table>
                      </td>
                    </tr>
                  </tbody>
                </table>
              </td>
            </tr>
          </tbody>
        </table>
        <table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"max-width:600px;min-width:300px;margin:0 auto;" class=3D"row =
row-14" role=3D"presentation">
          <tbody>
            <tr>
              <td style=3D"background:#ffffff;">
                <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                  <tbody>
                    <tr>
                      <td>
                        <table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation">
                          <tbody>
                            <tr>
                              <td =
style=3D"text-align:left;vertical-align:top;font-size:0px">
                                <table class=3D"tolkien-column =
tolkien-column-8 col col-0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"vertical-align:top;display:inline-table;background:transparent;t=
able-layout:fixed;font-family:Arial, Helvetica, =
sans-serif;font-size:12px;color:#000000;max-width:100%;width:66.66666667%=
;width:-webkit-calc(230400px - 48000%);width:calc(230400px - =
48000%);min-width:320px;min-width:-webkit-calc(66.66666667%);min-width:ca=
lc(66.66666667%);" role=3D"presentation">
                                  <tbody>
                                    <tr>
                                      <td =
style=3D"background-color:transparent;line-height:18px;padding:20px 30px =
20px 30px;" class=3D"elq-code-cell cell cell-0">
                                        <div =
style=3D"display:inline-block;width:100%;">
                                          <table>
                                            <tbody>
                                              <tr>
                                                <td valign=3D"middle" =
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