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From: "M&S Bank" <mandsbank@comms.mandsbank.com>
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Date: Mon, 27 Jul 2026 15:17:16 +0100
To: <sue@sarahharvey.com>
Reply-To: "M&S Bank" <mandsbank@comms.mandsbank.com>
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Win a £1,000 M&S shopping spree
********************************************************************
M&S Bank
********************************************************************
If you are reading this message either your email client can't view images or you have set it to view text only.
In order to view the email, please click on the link below: -
http://comms.mandsbank.com/r/?id=t29c19e10,6a3435f,31bdb53&e=cDE9N0olMkZGTlpXUFRqQm9SVGZDQ3VYR3RoM0kxZkx3OEpFVg&s=4gV_pLk-Fga1VPEaPla4IjdoBzXVdq_hDlccjV_Vv6M
********************************************************************
M&S Egift card Customer Prize Draw:
By entering M&S Egift card Customer Prize Draw (the 'prize draw') you're agreeing to these terms and conditions.
Who's running the M&S Bank prize draw?
M&S Bank, a division of HSBC UK Bank plc ('we, us') is the promoter of the prize draw.
Can I enter the prize draw?
To enter you need to:
• live in the UK
• be 18+
• be a selected M&S Bank Credit Card customer who registers for the promotion between 27 July 2026 and 3 August 2026.
• enter the prize draw via the link in the official M&S Bank email associated with this promotion.
You can't enter if:
• you work for us
• you are residents of the Channel Islands or the Isle of Man.
Your entry won't count if you don't meet the above. You'll be disqualified if you stop meeting these criteria at any time before the prize draw ends (even if your entry was valid when you entered).
How do I enter?
• This M&S Bank prize draw is free to enter. You can enter the M&S Bank prize draw from 00:01 on 27 July until 23:59 on 03 August 2026. We won't accept entries received after the closing date.
• You need to enter the prize draw via the link in the official M&S Bank email associated with this promotion.
• You can only enter the M&S Bank prize draw once.
There is no purchase or entry fee to enter this prize draw.
For the avoidance of doubt, the relevant M&S Bank prize draw email will be issued on 27 July 2026. It will invite the receiver to enter the prize draw by clicking "Enter now" through the received email.
What are the prizes?
The prize draw offers six prizes:
• 2 x £1000 M&S e-gift card
• 2 x £500 M&S e-gift card
• 2 x £350 M&S e-gift card
All prizes are subject to availability.
If we can't offer the prize, we'll give you another prize of equal or greater value. We can't:
• exchange the prize for cash
• swap the prize for something else or
• give your prize to someone else
How will winners be chosen?
We'll pick the winners randomly by 17 August 2026 using software which randomly selects the winner.
The odds of winning will depend on the total number of valid entries received.
How will I know if I've won?
If you win, we'll try to contact you by email/phone using the contact information we hold on your account. If you don't claim your prize, we can give it to the next runner-up.
What else do I need to know?
You're responsible for complying with any terms and conditions issued by the manufacturer or supplier of a prize.
We can change these terms or cancel the prize draw without telling you in advance if:
• required by law, or
• there are reasons beyond our control, or
• there's a fair or valid reason
Your personal data
You can find out the surname and county of each winner by sending a stamped addressed envelope to Marketing Department, M&S Bank, PO Box 3847, Chester CH1 9FH. If you win, we may give your surname and county to anyone who requests this information, including our regulators. You can tell us if you don't want us to do this or if you want to limit the amount of information that we make available about a winning entry.
If you win, we might ask you if we can use your information in any promotional activities or publicity linked to the prize draw.
We will use your information to run the prize draw and award prizes. For more information about how we use your personal information, please see our Privacy Notice http://comms.mandsbank.com/r/?id=t29c19e10,6a3435f,31bdb55
Contact us
You can ask questions about the prize draw by sending a stamped addressed envelope to Marketing Department, M&S Bank, PO Box 3847, Chester CH1 9FH.
Fraud warning
We maintain strict security standards and procedures to prevent unauthorised access to information about you. M&S Bank will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password or account numbers. To reassure you that this email is genuine, we have included the last three digits of your postcode below. If this is not correct, please contact us http://comms.mandsbank.com/r/?id=t29c19e10,6a3435f,31bdb54
3HA
Important information
To help us improve our emails, we may monitor your interest in them. We may be able to tell when you've opened them, and how you've interacted with them. This includes information about how long you spend reading our emails and which links you select. We may also collect technical information about your device and internet connection, and set cookies. We use this information to help us understand how effective our emails are and to improve our communications. We use trusted service providers to help us. For more details, read our Privacy Notice http://comms.mandsbank.com/r/?id=t29c19e10,6a3435f,31bdb58 You can ask us to stop using this data for marketing purposes at any time. To make that change, contact us http://comms.mandsbank.com/r/?id=t29c19e10,6a3435f,31bdb56
Please note that this email was sent from a notification-only address that is unable to accept incoming email. This email is confidential. If you are not the addressee, you may not copy, forward, disclose or otherwise use the information. Please notify the sender immediately and delete this email and all copies from your system. Internet communications cannot be guaranteed to be timely, secure, error or virus-free. The sender does not accept liability for any errors or omissions.
Issued by M&S Bank, a division of HSBC UK Bank plc. M&S is a registered trademark of Marks and Spencer plc and is used under licence. HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112). HSBC UK Bank plc is a company incorporated under the laws of England and Wales with company registration number 9928412 and its registered office at 1 Centenary Square, Birmingham, B1 1HQ.
We hope you found this email of interest. If you would rather not receive emails about M&S Bank's products and services, please unsubscribe here http://comms.mandsbank.com/r/?id=t29c19e10,6a3435f,31bdb57&e=cDE9JTQwTVp4SUZ3VkJON29KaEhFd3VxTXdQZyUzRCUzRCZwMj0lNDAwUGYxS0t0bXBFRTdFa1dQTzZaN0VnJTNEJTNE&s=KEzTbozolYrW_tJTR8iPdoLdh1yS9kEYgDE-yCiES6A
At M&S Bank your privacy is important to us. View our Privacy Notice here http://comms.mandsbank.com/r/?id=t29c19e10,6a3435f,31bdb59
© HSBC Group 2026. All rights reserved.
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=2Eslide-1-ctrl:checked ~ table .carousel-container .slides-container {
transform: translateX(0);
margin-top: 0px;
}
=2Eslide-2-ctrl:checked ~ table .carousel-container .slides-container {
transform: translateX(-380px);
margin-top: 0px !important;
}
=2Eslide-3-ctrl:checked ~ table .carousel-container .slides-container {
transform: translateX(-760px);
margin-top: 0px !important;
}
=2Emobilearrow{width: 12px !important; }
=2Emr18{margin-right: 70px !important;}
=2Emr18a{margin-right: 61px !important;}
=2Emr18c{margin-right: 41px !important;}
=2Emr18d{margin-right: 41px !important;}
=2Emr_18{margin-right: 58px !important;}
=2Eml18{margin-left: 20px !important;}
=2Edflex {
margin: 0 auto !important;
width: 100%;
margin-top: 13px !important;
align-items: start;}
=2Emb14 {
margin-bottom: 14px !important;
}
=2Emt0 {
margin-top: 0px !important;
}
=2Emt0a {
margin-top: -20px !important;
}
=2Emt0b {
margin-top: -22px !important;
}
=2Emt40 {
margin-top: 10px !important;
}
=2Eml24{margin-left: 24px !important;}
=2Eft36{font-size: 40px !important; line-height: 46px !important;}
=2Emt14{margin-top: 14px !important;}
=2Etext_center{text-align: center !important;}
=2Ew245{width: 333px !important;}
=2Ew245AA{width: 333px !important;}
=2Ew245A{width: 380px !important;}
=2Ew245B{width: 353px !important;}
=2Edisplay-footer {display: table-footer-group!important;width: 100%!import=
ant;min-width: 100%!important;}
=2Edisplay-header {display: table-header-group!important;width: 50%!importa=
nt;min-width: 100%!important;}
=2Ehidemob{display: none !important;}
=2Ealign {text-align: center !important;margin: 0 auto !important;}
=2Ew280 {width: 370px !important;}
=2Emt42 {margin-top: -7px !important;}
=2Ebgmob {background-color: #ffffff !important;}
=2Ew320 {width: 400px !important;}
=2Ew100 {width: 100%!important; min-width: 100%!important; max-width: 1000p=
x!important; height: auto!important;}
=2Ew100p {width: 250px !important;}
=2Enomob {display: none!important; width: 0px!important; height: 0px!import=
ant;}
=2Eshow {
display: block!important;
overflow: visible!important;
float: none!important;
width: 100%!important;
height: auto!important;
max-height: inherit!important;}
#menu-icon {margin-right: 4% !important; padding-top: 0px!important; margin=
-left: 4% !important;}
=2Ebutton {width: 100% !important;}
#navigation-container {
background-color: #ffffff;
margin-bottom: 10px !important;
font-size: 12px !important;
margin-right: 10px !important;
margin-left: 10px !important;
}
=2Einteractivity-beacon:checked + table #menu-icon, .interactivity-beacon:c=
hecked + table .menu-icon, .interactivity-beacon:checked + table .ghide {
display: block !important;
mso-hide: none !important;
max-height: none !important;
overflow: visible !important;
}
=2Einteractivity-beacon:checked + table .bgmob{background-color: #ffffff !i=
mportant;}
=2Einteractivity-beacon:checked + table .ptop {
padding-top: 0px!important;
}
#navigation-menu:checked + #menu-icon .icon-middle {
-webkit-transform: scaleX(0);/* Android 4.4 */
transform: scaleX(0);
}
#navigation-menu:checked + #menu-icon .menu-icon {
width: 24px !important;
background-color: #333333 !important;
}
#navigation-menu:checked + #menu-icon .icon-top {
-webkit-transform: translateX(9px) rotate(45deg); /* Android 4.4 */
transform: translateX(9px) rotate(45deg);
}
#navigation-menu:checked + #menu-icon .icon-bottom {
-webkit-transform: translateX(9px) rotate(-45deg); /* Android 4.4 */
transform: translateX(9px) rotate(-45deg);
}
=2Einteractivity-beacon:checked + table #navigation-container {
max-height: 0 !important; /* for accessibility */
overflow: hidden !important; /* for accessibility */
opacity: 0;
padding: 0 !important;
transition: max-height 0.3s ease, opacity 0.3s ease;
background-color: #000000;
margin-right: 0px !important;
margin-left: 0px !important;
margin-bottom: 0px !important;
}
=2Einteractivity-beacon:checked + table .pt24 {
padding-top: 22px !important;
}
=2Einteractivity-beacon:checked + table #navigation-container a {
display: block !important;
font-size: 14px !important;
line-height: 3 !important;
border-bottom: 1px solid #3a3b3c;
}
=2Einteractivity-beacon:checked + table .nav-decoration {
display: none !important;
}
#navigation-menu:checked + label + #navigation-container {
max-height: 300px !important;
overflow: visible !important;
opacity: 1;
}
#navigation-menu + label + #navigation-container:focus-within {
max-height: 300px !important;
overflow: visible !important;
opacity: 1;
}
=2Ebdr {
border: none!important;
}
div u + .body .gwidth{width: 150px !important;}
}
</style>
<style>
/*Mobile CSS*/
@media only screen and (max-width: 410px) {
=2Embtm251{margin-bottom: 251px !important;}
=2Eshow320{display: block !important;}
=2Ew94A{width: 256px !important;}
=2Ew260{width: 260px !important;}
=2Eh50{height: 40px !important;}
=2Ew300{width: 300px !important;}
=2Emtop14abcd{margin-top: 28px !important;}
=2Emtop0ab{margin-top: 18px !important;}
=2Emtop0abc{margin-top: 18px !important;}
=2Emtop28{margin-top: 28px !important;}
=2Emtop4A{margin-top: 8px !important;}
=2Emb0 {
margin-bottom: 0px !important;
}
=2Emb14 {
margin-bottom: 30px !important;
}
=2Emt0 {
margin-top: 0px !important;
}
=2Emt0a {
margin-top: -38px !important;
}
=2Emt0b {
margin-top: -22px !important;
}
=2Emt_20 {
margin-top: -26px !important;
}
=2Eml24{margin-left: 19px !important;}
=2Ew233{width: 300px !important;}
=2Ew72{width: 90% !important;}
=2Ew72A{width: 88% !important;}
=2Eslide-1-ctrl:checked ~ table .carousel-container .slides-container {
transform: translateX(0);
margin-top: 0px;
}
=2Eslide-2-ctrl:checked ~ table .carousel-container .slides-container {
transform: translateX(-300px);
margin-top: 0px !important;
}
=2Eslide-3-ctrl:checked ~ table .carousel-container .slides-container {
transform: translateX(-600px);
margin-top: 0px !important;
}
=2Edflex {
margin: 0 auto !important;
width: 100%;
align-items: start;
margin-top: 13px !important;
}
=2Eslides-container {
width: 300%!important;
height: auto !important;
}
td.bg_img2{background-image: url('https://assets.fwdto.net/MandS/202607_con=
fidence_comms/Bgimage_MBP.png') !important; background-position: left top !=
important; background-size: 100% 100% !important; height: 520px !importan=
t; width: 100%!important;max-width: 100%!important;background-repeat:no-rep=
eat !important; }
td.bg_img2{background: url("https://assets.fwdto.net/MandS/202607_confidenc=
e_comms/Bgimage_MBP.png") left top / 100% 100% no-repeat !important; heigh=
t: 520px!important;width: 100%!important;max-width: 100%!important;}
=2Emr18{margin-right: 50px !important;}
=2Emr18a{margin-right: 45px !important;}
=2Emr18c{margin-right: 40px !important;}
=2Emr18d{margin-right: 40px !important;}
=2Emr_18{margin-right: 50px !important;}
=2Eml18{margin-left: 10px !important;}
=2Emobilearrow{width: 12px !important; }
=2Ew320 {
width: 320px !important;
}
=2Ecarousel-container, .slides {
width: 300px !important;
height: auto !important;
}
=2Ecarousel-container1{
width: 300px !important;
height: 60px !important;
}
=2Ew280 {width: 280px !important;}
=2Ehidemob{display: none !important;}
=2Emt0{margin-top: 0px !important;}
=2Edrop {width: 100%!important; float: left!important; display:block!import=
ant;}
=2Edrop1 {width: 94%!important; float: left!important; display:block!import=
ant;}
=2Ew320 {width: 320px !important;}
=2Ew245{width: 260px !important;}
=2Ew245AA{width: 306px !important;}
=2Ew245A{width: 300px !important;}
=2Ew245B{width: 281px !important;}
}
</style>
<style>
@media (prefers-color-scheme: dark ) {
=2Einteractivity-beacon:checked + table #navigation-container a{border-bott=
om-color: #ffffff !important;}
=2Egreenbg{background-color: #88b7a7 !important;}
=2Ebluebg{background-color: #273031 !important;}
=2Emainbg { background-color: #000 !important; }
=2Edarkmode { background-color: #272623 !important;}
=2Ebged { background-color: #1f1f1f !important; }
=2Ebgwhite { background-color: #fffff1 !important;}
=2Ewhite{background-color: #fffffd !important;}
h1, h2, p, span, a, b, ul, li, ol, h6, .mob { color: #ffffff !important; }
=2Edarktext h1, .darktext h2, .darktext p, .darktext span, .darktext a{ col=
or: #000 !important; }
=2EtextBlack{color: #000000 !important;}
=2Egreytext{color: #000000 !important;}
=2Ecolwhite{color: #ffffff!important;}
=2Eborderwhite{border: 1px solid #ffffff !important;}
=2Eborderblack{border: 1px solid #000000 !important;}
/* OUTLOOK APP (ANDROID) DARK MODE STYLES */
[data-ogsc] .mainbg { background-color: #000 !important; }
[data-ogsc] .bluebg { background-color: #273031 !important; }
[data-ogsc] .greenbg { background-color: #88b7a7 !important; }
[data-ogsc] .darkmode { background-color: #272623 !important; }
[data-ogsc] .bged { background-color: #1f1f1f !important; }
[data-ogsc].bgwhite { background-color: #fffff1 !important;}
[data-ogsc] .white { background-color: #fffffd !important; }
[data-ogsc] h1, [data-ogsc] h2, [data-ogsc] h6, [data-ogsc] p, [data-ogsc] =
span, [data-ogsc] a, [data-ogsc] b, [data-ogsc] ul, [data-ogsc] li, [data-o=
gsc] ol { color: #ffffff !important; }
[data-ogsc] .darktext h1, [data-ogsc] .darktext h2, [data-ogsc] .darktext p=
, [data-ogsc] .darktext span, .darktext li{ color: #000 !important; }
[data-ogsc].textBlue{color: #223c83 !important;}
[data-ogsc].textBlack{color: #000000 !important;}
[data-ogsc].colwhite{color: #ffffff!important;}
[data-ogsc].borderwhite{border: 1px solid #ffffff !important;}
[data-ogsc].borderblack{border: 1px solid #000000 !important;}
}
[data-ogsc].interactivity-beacon:checked + table #navigation-container a{bo=
rder-bottom-color: #ffffff !important; }
</style>
<style>
u + .body .fnd{font-size: 16px !important; line-height: 20px !important;}
</style>
</head>
<body class=3D"body mainbg" style=3D"margin: 0px; padding: 0px; background-=
color: #ffffff;">
<div id=3D"preheader" style=3D"display: none; font-size: 0; line-height: 0;=
mso-hide: all; color: #e3e3e3;">Win a =C2=A31,000 M&S shopping spree</div>
<div id=3D"preview-spacer" style=3D"display: none; font-size: 0; line-heigh=
t: 0; mso-hide: all; color: #e3e3e3;">͏ ͏ ͏ ͏ ͏ &#=
847;͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ &#=
847; ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ &#=
847; ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ &#=
847; ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ &#=
847; ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏&#=
847; ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ &=
#847;͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ &=
#847; ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ &=
#847; ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ &=
#847; ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ &=
#847; ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏&=
#847; ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ =
͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ =
͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ ͏ =
͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ ͏ =
͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏͏ =
͏ ͏ ͏ ͏ ͏͏ ͏ ͏ ͏ ͏ ͏=
͏ ͏ ͏ ͏ ͏ ͏</div>
<div role=3D"article" aria-roledescription=3D"email" aria-label=3D"email na=
me" lang=3D"en" dir=3D"ltr" style=3D"font-size:16px; font-size:1rem; font-s=
ize:max(16px, 1rem)">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" role=
=3D"presentation" bgcolor=3D"#f1f1f1" class=3D"bluebg">
<tr>
<td align=3D"center"><div id=3D"main">
<div id=3D"inner">
<!--[if !mso]><!-->
<input type=3D"checkbox" class=3D"interactivity-beacon" checked=3D"checked"=
style=3D"display: none; mso-hide: all;">
<!--<![endif]-->
<table width=3D"768" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"width: 768px;" role=3D"presentation" class=3D"w320 darkmode" bgcolor=3D=
"#ffffff">
<tbody>
<tr>
<td>
<table width=3D"100%" style=3D"width:100%" border=3D"0" cellspacing=3D"0" c=
ellpadding=3D"0" align=3D"center">
<tbody>
<tr>
<td bgcolor=3D"#000000" style=3D"background-image: linear-gradient(#000000,=
#000000)" align=3D"center" valign=3D"top" class=3D"mainbg">
<!--[if gte mso 9]>
<v:rect xmlns:v=3D"urn:schemas-microsoft-com:vml" fill=3D"true" stroke=3D"f=
alse" style=3D"border: 0; width:768px; height:270px;">
<v:fill opacity=3D"100%" color=3D"#000000"/>
<v:textbox inset=3D"0,0,0,0">
<![endif]-->
<div style=3D"margin: 0; vertical-align: top;">
<table width=3D"768" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"width: 768px;" class=3D"w100">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"672" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"width: 672px" class=3D"w280" role=3D"presentation">
<tbody>
<tr>
<td align=3D"center" style=3D"padding-top: 12px;">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"right" valign=3D"top">
<div class=3D"gmail-blend-screen">
<div class=3D"gmail-blend-difference">
<p style=3D"margin: 0; color: #FFFFFF; mso-color-alt:auto; margin-bottom:=
22px; font-family: 'MS', Arial, Helvetica, sans-serif; font-size: 12px; li=
ne-height: 16px; margin-top: 10px;" class=3D"colwhite mtop2 mbtm30">To reas=
sure you that this email is genuine, here are the last three digits of <str=
ong>your postcode 3HA</strong>. <br>Not right=3F=C2=A0<a href=3D"http://com=
ms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb48" target=3D"_blank" tit=
le=3D"Please get in touch" style=3D"font-family: 'MS', Arial, Helvetica, sa=
ns-serif; font-weight: normal; color: #FFFFFF; font-size: 12px; line-height=
: 16px; text-decoration: underline; text-transform: none; display: inline;"=
><span style=3D"color: #FFFFFF; mso-color-alt:auto; text-decoration: unde=
rline;" class=3D"colwhite">Please get in touch</span></a>
</p>
<p style=3D"margin: 0; color: #FFFFFF; mso-color-alt:auto; font-family: '=
MS', Arial, Helvetica, sans-serif; font-size: 12px; line-height: 16px; marg=
in-bottom: 13px;" class=3D"colwhite textaligncenter mbtm20">
Can't see images=3F <a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29=
c19e10,6a3435f,31bdb49&e=3DcDE9N0olMkZGTlpXUFRqQm9SVGZDQ3VYR3RoM0kxZkx3OEpF=
Vg&s=3Dg2E_C_kDcaedNxvrf56mRNulmjQacZXa5WOwtueR77U" target=3D"_blank" title=
=3D"View email online" style=3D"font-family: 'MS', Arial, Helvetica, sans-s=
erif; font-weight: normal; color: #FFFFFF; font-size: 12px; line-height: 16=
px; text-decoration: underline; text-transform: none; display: inline;"><sp=
an style=3D"color: #FFFFFF; mso-color-alt:auto; text-decoration: underlin=
e;" class=3D"colwhite">View email online</span></a></p>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top" class=3D"pb25">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" role=
=3D"presentation">
<tbody>
<tr>
<td align=3D"center">
<p style=3D"margin: 10px 0px 4px 0px; padding: 0px;" class=3D"mt16"><a titl=
e=3D"M&S BANK" href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a343=
5f,31bdb32" target=3D"_blank"><img width=3D"137" style=3D"margin: 0px auto;=
border: 0px currentColor; border-image: none; width: 137px; height: auto; =
display: block;"
alt=3D"M&S BANK" src=3D"https://assets.fwdto.net/MandS/202603_removal_o=
f_debit/Logo.png"></a></p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td class=3D"container padding_topbottom20" align=3D"center" style=3D"borde=
r-width: 0px; padding: 0px; width: 100%; text-align: center; color: rgb(0, =
0, 0); font-family: 'MS', Arial, Helvetica, sans-serif; font-weight: 400; v=
ertical-align: top; mso-color-alt:auto; padding-top: 16px; padding-bottom:=
25px;">
<div class=3D"gmail-blend-screen">
<div class=3D"gmail-blend-difference">
<p class=3D"ft_13" style=3D"margin: 0px; margin-top: 0px; margin-bottom: 0p=
x; padding: 0px; text-align: center; color: #FFFFFF; text-transform: upperc=
ase; line-height: 24px; clear: both; font-family: 'MS', Arial, Helvetica, s=
ans-serif; font-size: 14px; font-weight: 400; text-decoration: none; word-s=
pacing: 0.08em; display: block; white-space: normal; mso-line-height-rule: =
exactly; mso-color-alt:auto; background-color: #rgb(0, 0, 0);">
<a title=3D"CREDIT CARD" style=3D"color: #FFFFFF; text-transform: uppercase=
; font-family: 'MS', Arial, Helvetica, sans-serif; font-weight: 400; text-d=
ecoration: none; display: inline; mso-color-alt:auto;" href=3D"http://comms=
.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb33" target=3D"_blank" class=
=3D"colwhite"><span style=3D"color: #FFFFFF; text-transform: uppercase; fon=
t-family: 'MS', Arial, Helvetica, sans-serif; font-weight: 400; text-decora=
tion: none; display: inline; mso-color-alt:auto;" class=3D"colwhite">CREDI=
T CARD</span></a> <span class=3D"nav-decoration "
aria-hidden=3D"true" style=3D"color: rgb(0, 0, 0); font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: 400; display: inline;"> </span><=
span
class=3D" " aria-hidden=3D"true" style=3D"color: rgb(0, 0, 0); font-family:=
'MS', Arial, Helvetica, sans-serif; font-weight: 400; display: inline;">&n=
bsp;</span><span
class=3D" " aria-hidden=3D"true" style=3D"color: rgb(0, 0, 0); font-family:=
'MS', Arial, Helvetica, sans-serif; font-weight: 400; display: inline;">&n=
bsp;</span><span
class=3D" " aria-hidden=3D"true" style=3D"color: rgb(0, 0, 0); font-family:=
'MS', Arial, Helvetica, sans-serif; font-weight: 400; display: inline;">&n=
bsp;</span><span
class=3D"" aria-hidden=3D"true" style=3D"color: rgb(0, 0, 0); font-family: =
'MS', Arial, Helvetica, sans-serif; font-weight: 400; display: inline;">&nb=
sp;</span><span
class=3D"nav-decoration hidemob" aria-hidden=3D"true" style=3D"color: rgb(0=
, 0, 0); font-family: 'MS', Arial, Helvetica, sans-serif; font-weight: 400;=
display: inline;"> </span><span
class=3D"nav-decoration hidemob" aria-hidden=3D"true" style=3D"color: rgb(0=
, 0, 0); font-family: 'MS', Arial, Helvetica, sans-serif; font-weight: 400;=
display: inline;"> </span><span
class=3D"nav-decoration hidemob nomob" aria-hidden=3D"true" style=3D"color:=
rgb(0, 0, 0); font-family: 'MS', Arial, Helvetica, sans-serif; font-weight=
: 400; display: inline;"> </span><span
class=3D"nav-decoration nomob" aria-hidden=3D"true" style=3D"color: rgb(0, =
0, 0); font-family: 'MS', Arial, Helvetica, sans-serif; font-weight: 400; d=
isplay: inline;"> </span><span
class=3D"nav-decoration nomob" aria-hidden=3D"true" style=3D"color: rgb(0, =
0, 0); font-family: 'MS', Arial, Helvetica, sans-serif; font-weight: 400; d=
isplay: inline;"> </span><a title=3D"LOANS" style=3D"color: #FFFFFF; t=
ext-transform: uppercase; font-family: 'MS', Arial, Helvetica, sans-serif; =
font-weight: 400; text-decoration: none; display: inline; mso-color-alt:aut=
o;" href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb34"=
target=3D"_blank" class=3D"colwhite"><span style=3D"color: #FFFFFF; text-t=
ransform: uppercase; font-family: 'MS', Arial, Helvetica, sans-serif; font-=
weight: 400; text-decoration: none; display: inline; mso-color-alt:auto;" =
class=3D"colwhite">LOANS</span></a> <span class=3D" "
aria-hidden=3D"true" style=3D"color: rgb(0, 0, 0); font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: 400; display: inline;"> </span><=
span
class=3D" " aria-hidden=3D"true" style=3D"color: rgb(0, 0, 0); font-family:=
'MS', Arial, Helvetica, sans-serif; font-weight: 400; display: inline;">&n=
bsp;</span><span
class=3D"" aria-hidden=3D"true" style=3D"color: rgb(0, 0, 0); font-family: =
'MS', Arial, Helvetica, sans-serif; font-weight: 400; display: inline;">&nb=
sp;</span><span
class=3D"nav-decoration hidemob" aria-hidden=3D"true" style=3D"color: rgb(0=
, 0, 0); font-family: 'MS', Arial, Helvetica, sans-serif; font-weight: 400;=
display: inline;"> </span><span
class=3D"nav-decoration hidemob" aria-hidden=3D"true" style=3D"color: rgb(0=
, 0, 0); font-family: 'MS', Arial, Helvetica, sans-serif; font-weight: 400;=
display: inline;"> </span>
<span class=3D"nav-decoration hidemob"
aria-hidden=3D"true" style=3D"color: rgb(0, 0, 0); font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: 400; display: inline;"> </span><=
span
class=3D"nav-decoration hidemob" aria-hidden=3D"true" style=3D"color: rgb(0=
, 0, 0); font-family: 'MS', Arial, Helvetica, sans-serif; font-weight: 400;=
display: inline;"> </span><span
class=3D"nav-decoration hidemob" aria-hidden=3D"true" style=3D"color: rgb(0=
, 0, 0); font-family: 'MS', Arial, Helvetica, sans-serif; font-weight: 400;=
display: inline;"> </span><span
class=3D"nav-decoration hidemob" aria-hidden=3D"true" style=3D"color: rgb(0=
, 0, 0); font-family: 'MS', Arial, Helvetica, sans-serif; font-weight: 400;=
display: inline;"> </span><span
class=3D"nav-decoration hidemob" aria-hidden=3D"true" style=3D"color: rgb(0=
, 0, 0); font-family: 'MS', Arial, Helvetica, sans-serif; font-weight: 400;=
display: inline;"> </span><a title=3D"SAVINGS" class=3D"bdr colwhite"=
style=3D"color: #FFFFFF; text-transform: uppercase; font-family: 'MS', Ari=
al, Helvetica, sans-serif; font-weight: 400; text-decoration: none; display=
: inline; mso-color-alt:auto;" href=3D"http://comms.mandsbank.com/r/=3Fid=
=3Dh29c19e10,6a3435f,31bdb35" target=3D"_blank"><span style=3D"color: #FFFF=
FF; text-transform: uppercase; font-family: 'MS', Arial, Helvetica, sans-se=
rif; font-weight: 400; text-decoration: none; display: inline; mso-color-a=
lt:auto;" class=3D"colwhite">SAVINGS</span></a>
</p>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
<!--[if gte mso 9]>
</v:textbox>
</v:rect>
<![endif]-->
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" style=3D"width:100%" border=3D"0" cellspacing=3D"0" c=
ellpadding=3D"0" align=3D"center">
<tbody>
<tr>
<td bgcolor=3D"#000000" style=3D"background-image: linear-gradient(#000000,=
#000000)" align=3D"center" valign=3D"top" class=3D"mainbg">
<!--[if gte mso 9]>
<v:rect xmlns:v=3D"urn:schemas-microsoft-com:vml" fill=3D"true" stroke=3D"f=
alse" style=3D"border: 0; width:768px; height:248px;">
<v:fill opacity=3D"100%" color=3D"#000000"/>
<v:textbox inset=3D"0,0,0,0">
<![endif]-->
<div style=3D"margin: 0; vertical-align: top;">
<table width=3D"768" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"width: 768px;" class=3D"w100">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" class=3D"nomob">
<table width=3D"100%" style=3D"width: 100%" align=3D"center" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" role=3D"presentation">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" class=3D"">
<img src=3D"https://cdn.assets.fwdto.net/MandS/202607_confidence_comms/Bann=
er_DT.png" alt=3D"Get more from M&S Bank" width=3D"678" height=3D"auto" sty=
le=3D"display: block; border: 0; width: 678px; max-width: 678px;" class=3D"=
nomob"/></td>
</tr>
</tbody>
</table>
</td>
</tr>
<!--[if !mso]><!-->
<tr>
<td align=3D"center" valign=3D"top" style=3D"display: none;" class=3D"show"=
>
<table width=3D"100%" style=3D"width: 100%" align=3D"center" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" role=3D"presentation">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" class=3D"show" style=3D"display: none; =
max-height: 0px; overflow: hidden;margin: 0;">
<span class=3D"show" style=3D"display: none; max-height: 0px; overflow: hid=
den;margin: 0;">
<img src=3D"https://assets.fwdto.net/MandS/202607_confidence_comms/Banner_M=
B.png" width=3D"300" style=3D"width: 300px; display:block; border: 0px; hei=
ght: auto;" border=3D"0" alt=3D"Get more from M&S Bank" class=3D"w300"/></s=
pan>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<!--<![endif]-->
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
<!--[if gte mso 9]>
</v:textbox>
</v:rect>
<![endif]-->
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" style=3D"width:100%" border=3D"0" cellspacing=3D"0" c=
ellpadding=3D"0" align=3D"center">
<tbody>
<tr>
<td bgcolor=3D"#000000" style=3D"background-image: linear-gradient(#000000,=
#000000)" align=3D"center" valign=3D"top" class=3D"mainbg">
<!--[if gte mso 9]>
<v:rect xmlns:v=3D"urn:schemas-microsoft-com:vml" fill=3D"true" stroke=3D"f=
alse" style=3D"border: 0; width:768px; height:162px;">
<v:fill opacity=3D"100%" color=3D"#000000"/>
<v:textbox inset=3D"0,0,0,0">
<![endif]-->
<div style=3D"margin: 0; vertical-align: top;">
<table width=3D"768" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"width: 768;" class=3D"w100">
<tbody>
<!--[if !mso]><!-->
<tr>
<td align=3D"center" valign=3D"top" style=3D"display: none;" class=3D"show"=
>
<table width=3D"576" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"width: 576px" class=3D"w245AA" role=3D"presentation">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" style=3D"padding-top: 0px;">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<!--Mobile Copy Starts-->
<div class=3D"gmail-blend-screen">
<div class=3D"gmail-blend-difference">
<p style=3D"margin: 0; font-family: 'MS', Arial, Helvetica, sans-serif; fon=
t-size: 38px; font-weight: normal; line-height: 46px; text-align: right; co=
lor: #ffffff; margin-top: 27px; mso-color-alt:auto; text-align: center; dis=
play: none;" class=3D"colwhite show">Get more from M&S Bank</p>
</div>
</div>
<!--Mobile Copy Ends-->
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<!--<![endif]-->
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"576" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"width: 576px" class=3D"w245" role=3D"presentation">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" style=3D"padding-top: 0px;">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<div class=3D"gmail-blend-screen">
<div class=3D"gmail-blend-difference">
<p style=3D"margin: 0; font-family: 'MS', Arial, Helvetica, sans-serif; fon=
t-size: 18px; font-weight: normal; line-height: 26px; text-align: right; co=
lor: #ffffff; margin-top: 32px; mso-color-alt:auto; text-align: left; margi=
n-bottom: 45px;" class=3D"colwhite ft16 mtop20">M&S Bank can't wait=
to help you get the most out of your summer. To kick things off in style, =
we're even giving six of you the chance to win a range of M&S e-gif=
t card prizes, including one worth £1000!</p>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
<!--[if gte mso 9]>
</v:textbox>
</v:rect>
<![endif]-->
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top" style=3D"padding-top: 0px; padding-bott=
om: 0px;" class=3D"nomob">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" bgco=
lor=3D"#F2EEEA" style=3D"width: 100%; background-color: #F2EEEA;">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" style=3D"padding-top: 40px;">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" role=
=3D"presentation" style=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"662" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"width: 662px;" class=3D"w245A">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;" class=3D"w100">
<tbody>
<tr>
<td valign=3D"top" align=3D"center" class=3D"pdop0">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table align=3D"center" width=3D"100%" border=3D"0" cellspacing=3D"0" cellp=
adding=3D"0" style=3D"width: 100%;" class=3D"w100">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" class=3D"drop">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 26px; line-height: 30px; color: #000000; margin=
-bottom: 0px; text-align: left; margin-top: 0px;">Credit Card rewards <br>a=
s sweet as our treats</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 16px; line-height: 22px; color: #000000; margin=
-bottom: 14px; text-align: left; margin-top: 14px;">Whether you're shop=
ping for everyday essentials or something special, you could be earning Rew=
ards points to spend in store or online.</p>
</td>
</tr>
<tr>
<td style=3D"padding-top: 0px; padding-bottom: 0px;">
<table border=3D"0" align=3D"left" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"background-color: #000000; border:1px solid #ffffff;" class=3D"w100">
<tbody>
<tr>
<td align=3D"left" style=3D"padding: 0; border: 0; font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: normal; vertical-align: middle; text-=
align: center; color: #ffffff; text-decoration: none; padding: 12px 22px; m=
so-padding-alt:12px 22px;" class=3D"colwhite graybrdr">
<a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb36" =
target=3D"_blank" title=3D"Explore M&S Credit Card" style=3D"text-decoratio=
n: none; font-size:16px; line-height:24px; font-weight: normal; color:#ffff=
ff;"><span style=3D"color: #ffffff; text-decoration:none;" class=3D"colwhit=
e">Explore M&S Credit Card</span></a>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
<td align=3D"center" valign=3D"top" width=3D"34" style=3D"width: 34px;" cla=
ss=3D"nomob"> </td>
<td align=3D"center" valign=3D"top" width=3D"314" style=3D"width: 314px;" c=
lass=3D"drop">
<p style=3D"margin: 0;">
<img src=3D"https://cdn.assets.fwdto.net/MandS/202607_confidence_comms/imag=
e1_DT.png" width=3D"314" height=3D"auto" alt=3D"M&S Credit" style=3D"displa=
y: block; border: 0; width: 314px; height: auto;" class=3D"w100">
</p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" height=3D"40" style=3D"height: 40px; mi=
n-height: 40px; max-height: 40px;"> </td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td valign=3D"top" align=3D"center" class=3D"pdop0">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table align=3D"center" width=3D"100%" border=3D"0" cellspacing=3D"0" cellp=
adding=3D"0" style=3D"width: 100%;" class=3D"w100">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" width=3D"314" style=3D"width: 314px;" c=
lass=3D"drop">
<p style=3D"margin: 0;">
<img src=3D"https://cdn.assets.fwdto.net/MandS/202607_confidence_comms/imag=
e2_DT.png" width=3D"314" height=3D"auto" alt=3D"Loans as tailored
as our workwear" style=3D"display: block; border: 0; width: 314px; height: =
auto;" class=3D"w100">
</p>
</td>
<td align=3D"center" valign=3D"top" width=3D"34" style=3D"width: 34px;" cla=
ss=3D"nomob"> </td>
<td align=3D"center" valign=3D"top" class=3D"drop">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 26px; line-height: 30px; color: #000000; margin=
-bottom: 0px; text-align: left; margin-top: 0px;">Loans as tailored <br>as =
our workwear</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 16px; line-height: 22px; color: #000000; margin=
-bottom: 14px; text-align: left; margin-top: 14px;">Our range of loans can =
help turn your summer plans into a reality. Borrow with confidence and find=
out where an M&S Loan could take you.</p>
</td>
</tr>
<tr>
<td style=3D"padding-top: 0px; padding-bottom: 0px;">
<table border=3D"0" align=3D"left" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"background-color: #000000; border:1px solid #ffffff;" class=3D"w100">
<tbody>
<tr>
<td align=3D"left" style=3D"padding: 0; border: 0; font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: normal; vertical-align: middle; text-=
align: center; color: #ffffff; text-decoration: none; padding: 12px 22px; m=
so-padding-alt:12px 22px;" class=3D"colwhite graybrdr">
<a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb37" =
target=3D"_blank" title=3D"Explore M&S Loans" style=3D"text-decoration: non=
e; font-size:16px; line-height:24px; font-weight: normal; color:#ffffff;"><=
span style=3D"color: #ffffff; text-decoration:none;" class=3D"colwhite">Exp=
lore M&S Loans</span></a>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" height=3D"40" style=3D"height: 40px; mi=
n-height: 40px; max-height: 40px;"> </td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td valign=3D"top" align=3D"center" class=3D"pdop0">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table align=3D"center" width=3D"100%" border=3D"0" cellspacing=3D"0" cellp=
adding=3D"0" style=3D"width: 100%;" class=3D"w100">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" class=3D"drop">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 26px; line-height: 30px; color: #000000; margin=
-bottom: 0px; text-align: left; margin-top: 0px;">Savings that bloom <br>li=
ke our flowers</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 16px; line-height: 22px; color: #000000; margin=
-bottom: 40px; text-align: left; margin-top: 14px;">Choose an account desig=
ned to suit the way you save. Simply put a little away and watch it grow &n=
dash; for wedding day flowers and escaping summer showers.</p>
</td>
</tr>
<tr>
<td style=3D"padding-top: 0px; padding-bottom: 0px;">
<table border=3D"0" align=3D"left" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"background-color: #000000; border:1px solid #ffffff;" class=3D"w100">
<tbody>
<tr>
<td align=3D"left" style=3D"padding: 0; border: 0; font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: normal; vertical-align: middle; text-=
align: center; color: #ffffff; text-decoration: none; padding: 12px 22px; m=
so-padding-alt:12px 22px;" class=3D"colwhite graybrdr">
<a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb38" =
target=3D"_blank" title=3D"Explore M&S Savings" style=3D"text-decoration: n=
one; font-size:16px; line-height:24px; font-weight: normal; color:#ffffff;"=
><span style=3D"color: #ffffff; text-decoration:none;" class=3D"colwhite">E=
xplore M&S Savings</span></a>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
<td align=3D"center" valign=3D"top" width=3D"34" style=3D"width: 34px;" cla=
ss=3D"nomob"> </td>
<td align=3D"center" valign=3D"top" width=3D"314" style=3D"width: 314px;" c=
lass=3D"drop">
<p style=3D"margin: 0;">
<img src=3D"https://cdn.assets.fwdto.net/MandS/202607_confidence_comms/imag=
e3_DT.png" width=3D"314" height=3D"auto" alt=3D"Savings that bloom
like our flowers" style=3D"display: block; border: 0; width: 314px; height:=
auto;" class=3D"w100">
</p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%; background-color: #F2EEEA;" bgcolor=3D"#F2EEEA">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" height=3D"40" style=3D"height: 40px; mi=
n-height: 40px; max-height: 40px;"> </td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<!--Mobile_Code Starts-->
<!--[if !mso]><!-->
<tr>
<td align=3D"center" valign=3D"top" style=3D"padding-top: 0px; padding-bott=
om: 0px; display: none;" class=3D"show">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" bgco=
lor=3D"#F2EEEA" style=3D"width: 100%; background-color: #F2EEEA;">
<tbody>
<tr>
<td align=3D"left">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" role=
=3D"presentation" style=3D"width: 100%;">
<tbody>
<!--carousal-1-->
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"660" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"width: 660px;" class=3D"w233">
<tbody>
<tr>
<td style=3D"text-align: center">
<!--[if !mso]><!-->
<div class=3D"interactive-content">
<input type=3D"radio" name=3D"carousel" id=3D"slide-1" class=3D"carousel-me=
chanism slide-1-ctrl" checked />
<input type=3D"radio" name=3D"carousel" id=3D"slide-2" class=3D"carousel-me=
chanism slide-2-ctrl" />
<input type=3D"radio" name=3D"carousel" id=3D"slide-3" class=3D"carousel-me=
chanism slide-3-ctrl" />
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chanism slide-4-ctrl" />
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" height=3D"38" style=3D"height: 38px; mi=
n-height: 38px; max-height: 38px;"> </td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" bgcolor=3D"#DED5CB" ce=
llpadding=3D"0" style=3D"width: 100%; border-radius: 12px; background-color=
: #DED5CB;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<div style=3D"margin: 0 auto; margin-top: 8px;" class=3D"carousel-container=
mtop0">
<div class=3D"slides-container">
<div class=3D"slides slide-1">
<div class=3D"slide-elements">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%; " class=3D"" role=3D"presentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"center">
<div class=3D"dflex">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td valign=3D"top" align=3D"center" style=3D"padding-top: 0px;" class=3D"pd=
op0">
<table align=3D"center" width=3D"640" border=3D"0" cellspacing=3D"0" cellpa=
dding=3D"0" style=3D"width: 640px;" class=3D"w72">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<p style=3D"margin: 0; margin-top: 2px;" class=3D"">
<img src=3D"https://assets.fwdto.net/MandS/202607_confidence_comms/image1_M=
B.png" width=3D"274" height=3D"auto" alt=3D"M&S Credit" style=3D"display: b=
lock; border: 0; width: 274px; height: auto;" class=3D"w100">
</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 20px; line-height: 24px; color: #000000; margin=
-bottom: 0px; text-align: left; margin-top: 20px;">Credit Card rewards <br>=
as sweet as our treats</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 16px; line-height: 22px; color: #000000; margin=
-bottom: 12px; text-align: left; margin-top: 14px;">Whether you're shop=
ping for everyday essentials or something special, you could be earning Rew=
ards points to spend in store or online.</p>
</td>
</tr>
<tr>
<td style=3D"padding-top: 0px; padding-bottom: 20px;">
<table border=3D"0" align=3D"left" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"background-color: #000000; border:1px solid #DED5CB;" class=3D"w100">
<tbody>
<tr>
<td align=3D"left" style=3D"padding: 0; border: 0; font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: normal; vertical-align: middle; text-=
align: center; color: #ffffff; text-decoration: none; padding: 12px 22px; m=
so-padding-alt:12px 22px;" class=3D"colwhite graybrdr">
<a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb39" =
target=3D"_blank" title=3D"Explore M&S Credit Card" style=3D"text-decoratio=
n: none; font-size:16px; line-height:24px; font-weight: normal; color:#ffff=
ff;"><span style=3D"color: #ffffff; text-decoration:none;" class=3D"colwhit=
e">Explore M&S Credit Card</span></a>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
<div class=3D"slides slide-2">
<div class=3D"slide-elements">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%; " class=3D"" role=3D"presentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"center">
<div class=3D"dflex">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td valign=3D"top" align=3D"center" style=3D"padding-top: 0px;" class=3D"pd=
op0">
<table align=3D"center" width=3D"640" border=3D"0" cellspacing=3D"0" cellpa=
dding=3D"0" style=3D"width: 640px;" class=3D"w72">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<p style=3D"margin: 0; margin-top: 2px;" class=3D"">
<img src=3D"https://assets.fwdto.net/MandS/202607_confidence_comms/image2_M=
B.png" width=3D"274" height=3D"auto" alt=3D"Loans as tailored
as our workwear" style=3D"display: block; border: 0; width: 274px; height: =
auto;" class=3D"w100">
</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 20px; line-height: 24px; color: #000000; margin=
-bottom: 0px; text-align: left; margin-top: 20px;">Loans as tailored <br>as=
our workwear</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 16px; line-height: 22px; color: #000000; margin=
-bottom: 12px; text-align: left; margin-top: 14px;">Our range of loans can =
help turn your summer plans into a reality. Borrow with confidence and find=
out where an M&S Loan could take you.</p>
</td>
</tr>
<tr>
<td style=3D"padding-top: 0px; padding-bottom: 20px;">
<table border=3D"0" align=3D"left" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"background-color: #000000; border:1px solid #DED5CB;" class=3D"w100">
<tbody>
<tr>
<td align=3D"left" style=3D"padding: 0; border: 0; font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: normal; vertical-align: middle; text-=
align: center; color: #ffffff; text-decoration: none; padding: 12px 22px; m=
so-padding-alt:12px 22px;" class=3D"colwhite graybrdr">
<a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb3a" =
target=3D"_blank" title=3D"Explore M&S Loans" style=3D"text-decoration: non=
e; font-size:16px; line-height:24px; font-weight: normal; color:#ffffff;"><=
span style=3D"color: #ffffff; text-decoration:none;" class=3D"colwhite">Exp=
lore M&S Loans</span></a>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
<div class=3D"slides slide-3">
<div class=3D"slide-elements">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%; " class=3D"" role=3D"presentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"center">
<div class=3D"dflex">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td valign=3D"top" align=3D"center" style=3D"padding-top: 0px;" class=3D"pd=
op0">
<table align=3D"center" width=3D"640" border=3D"0" cellspacing=3D"0" cellpa=
dding=3D"0" style=3D"width: 640px;" class=3D"w72">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<p style=3D"margin: 0; margin-top: 2px;" class=3D"">
<img src=3D"https://assets.fwdto.net/MandS/202607_confidence_comms/image3_M=
B.png" width=3D"274" height=3D"auto" alt=3D"Savings that bloom
like our flowers" style=3D"display: block; border: 0; width: 274px; height:=
auto;" class=3D"w100">
</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 20px; line-height: 24px; color: #000000; margin=
-bottom: 0px; text-align: left; margin-top: 20px;">Savings that bloom <br>l=
ike our flowers</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 16px; line-height: 22px; color: #000000; margin=
-bottom: 12px; text-align: left; margin-top: 14px;">Choose an account desig=
ned to suit the way you save. Simply put a little away and watch it grow &n=
dash; for wedding day flowers and escaping summer showers.</p>
</td>
</tr>
<tr>
<td style=3D"padding-top: 0px; padding-bottom: 20px;">
<table border=3D"0" align=3D"left" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"background-color: #000000; border:1px solid #DED5CB;" class=3D"w100">
<tbody>
<tr>
<td align=3D"left" style=3D"padding: 0; border: 0; font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: normal; vertical-align: middle; text-=
align: center; color: #ffffff; text-decoration: none; padding: 12px 22px; m=
so-padding-alt:12px 22px;" class=3D"colwhite graybrdr">
<a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb3b" =
target=3D"_blank" title=3D"Explore M&S Savings" style=3D"text-decoration: n=
one; font-size:16px; line-height:24px; font-weight: normal; color:#ffffff;"=
><span style=3D"color: #ffffff; text-decoration:none;" class=3D"colwhite">E=
xplore M&S Savings</span></a>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top" bgcolor=3D"#F2EEEA" style=3D"background=
-color: #F2EEEA;">
<div style=3D"margin: 0 auto; margin-top: 18px;" class=3D"carousel-containe=
r1 mtop25">
<!--arrow-previous-->
<div class=3D"dflex1">
<p style=3D"margin: 0;">
<label class=3D"slide-ctrls prev-from-1" for=3D"slide-3">
<img class=3D"" src=3D"https://assets.fwdto.net/MandS/202606_spend_campaign=
s/Previous.png" alt=3D"View previous" title=3D"View previous" style=3D"disp=
lay: block; border: 0; width: 15px; height: auto;">
</label>
<label class=3D"slide-ctrls prev-from-2" for=3D"slide-1">
<img class=3D"" src=3D"https://assets.fwdto.net/MandS/202606_spend_campaign=
s/Previous.png" alt=3D"View previous" title=3D"View previous" style=3D"disp=
lay: block; border: 0; width: 15px; height: auto;">
</label>
<label class=3D"slide-ctrls prev-from-3" for=3D"slide-2">
<img class=3D"" src=3D"https://assets.fwdto.net/MandS/202606_spend_campaign=
s/Previous.png" alt=3D"View previous" title=3D"View previous" style=3D"disp=
lay: block; border: 0; width: 15px; height: auto;">
</label>
</p>
</div>
<!--button-1-->
<div class=3D"dflex1">
<p style=3D"margin: 0;"><label for=3D"slide-1" title=3D"slide1"><span id=3D=
"btn1" style=3D"color: #000000; visibility: visible; font-size: 46px; line-=
height: 50px;opacity: 50%;" class=3D"textBlack">•</span></label></p>
</div>
<!--button-2-->
<div class=3D"dflex1">
<p style=3D"margin: 0;"><label for=3D"slide-2" title=3D"slide2"><span id=3D=
"btn2" style=3D"color: #000000; visibility: visible; font-size: 46px; line-=
height: 50px;opacity: 50%;" class=3D"textBlack">•</span></label></p>
</div>
<!--button-3-->
<div class=3D"dflex1">
<p style=3D"margin: 0;"><label for=3D"slide-3" title=3D"slide3"><span id=3D=
"btn3" style=3D"color: #000000; visibility: visible; font-size: 46px; line-=
height: 50px;opacity: 50%;" class=3D"textBlack">•</span></label></p>
</div>
<div class=3D"dflex1">
<p style=3D"margin: 0;">
<label class=3D"slide-ctrls next-from-1" for=3D"slide-2">
<img class=3D"" src=3D"https://assets.fwdto.net/MandS/202606_spend_campaign=
s/Next.png" style=3D"display: block; border: 0; width: 15px; height: auto;"=
alt=3D"View next" title=3D"View next">
</label>
<label class=3D"slide-ctrls next-from-2" for=3D"slide-3">
<img class=3D"" src=3D"https://assets.fwdto.net/MandS/202606_spend_campaign=
s/Next.png" style=3D"display: block; border: 0; width: 15px; height: auto;"=
alt=3D"View next" title=3D"View next">
</label>
<label class=3D"slide-ctrls next-from-3" for=3D"slide-1">
<img class=3D"" src=3D"https://assets.fwdto.net/MandS/202606_spend_campaign=
s/Next.png" style=3D"display: block; border: 0; width: 15px; height: auto;"=
alt=3D"View next" title=3D"View next">
</label>
</p>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<!--<![endif]-->
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<!--carousal-1-ends-->
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"660" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"width: 660px;" class=3D"w245A">
<tbody>
<tr>
<td style=3D"text-align: center">
<div class=3D"fallback-container">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" height=3D"32" style=3D"height: 32px; mi=
n-height: 32px; max-height: 32px;"> </td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td valign=3D"top" align=3D"center" class=3D"pdop0">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%; border-radius: 12px; background-color: #DED5CB;" bgcolor=
=3D"DED5CB">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" style=3D"padding-top: 20px; padding-bot=
tom: 20px;">
<table align=3D"center" width=3D"626" border=3D"0" cellspacing=3D"0" cellpa=
dding=3D"0" style=3D"width: 626px;" class=3D"w72">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<p style=3D"margin: 0;">
<img src=3D"https://assets.fwdto.net/MandS/202607_confidence_comms/image1_M=
B.png" width=3D"274" height=3D"auto" alt=3D"M&S Credit" style=3D"display: b=
lock; border: 0; width: 274px; height: auto;" class=3D"w100">
</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 20px; line-height: 24px; color: #000000; margin=
-bottom: 0px; text-align: left; margin-top: 20px;">Credit Card rewards <br =
class=3D"show320">as sweet as our treats</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 16px; line-height: 22px; color: #000000; margin=
-bottom: 12px; text-align: left; margin-top: 14px;">Whether you're shop=
ping for everyday essentials or something special, you could be earning Rew=
ards points to spend in store or online.</p>
</td>
</tr>
<tr>
<td style=3D"padding-top: 0px; padding-bottom: 0px;">
<table border=3D"0" align=3D"left" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"background-color: #000000; border:1px solid #DED5CB;" class=3D"w100">
<tbody>
<tr>
<td align=3D"left" style=3D"padding: 0; border: 0; font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: normal; vertical-align: middle; text-=
align: center; color: #ffffff; text-decoration: none; padding: 12px 22px; m=
so-padding-alt:12px 22px;" class=3D"colwhite">
<a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb3c" =
target=3D"_blank" title=3D"Explore M&S Credit Card" style=3D"text-decoratio=
n: none; font-size:16px; line-height:24px; font-weight: normal; color:#ffff=
ff;"><span style=3D"color: #ffffff; text-decoration:none;" class=3D"colwhit=
e">Explore M&S Credit Card</span></a>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%; background-color: #F2EEEA;" bgcolor=3D"#F2EEEA">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" height=3D"32" style=3D"height: 32px; mi=
n-height: 32px; max-height: 32px;"> </td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td valign=3D"top" align=3D"center" class=3D"pdop0">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%; border-radius: 12px; background-color: #DED5CB;" bgcolor=
=3D"DED5CB">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" style=3D"padding-top: 20px; padding-bot=
tom: 20px;">
<table align=3D"center" width=3D"626" border=3D"0" cellspacing=3D"0" cellpa=
dding=3D"0" style=3D"width: 626px;" class=3D"w72">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<p style=3D"margin: 0;">
<img src=3D"https://assets.fwdto.net/MandS/202607_confidence_comms/image2_M=
B.png" width=3D"274" height=3D"auto" alt=3D"Loans as tailored
as our workwear" style=3D"display: block; border: 0; width: 274px; height: =
auto;" class=3D"w100">
</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 20px; line-height: 24px; color: #000000; margin=
-bottom: 0px; text-align: left; margin-top: 20px;">Loans as tailored <br cl=
ass=3D"show320">as our workwear</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 16px; line-height: 22px; color: #000000; margin=
-bottom: 12px; text-align: left; margin-top: 14px;">Our range of loans can =
help turn your summer plans into a reality. Borrow with confidence and find=
out where an M&S Loan could take you.</p>
</td>
</tr>
<tr>
<td style=3D"padding-top: 0px; padding-bottom: 0px;">
<table border=3D"0" align=3D"left" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"background-color: #000000; border:1px solid #DED5CB;" class=3D"w100">
<tbody>
<tr>
<td align=3D"left" style=3D"padding: 0; border: 0; font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: normal; vertical-align: middle; text-=
align: center; color: #ffffff; text-decoration: none; padding: 12px 22px; m=
so-padding-alt:12px 22px;" class=3D"colwhite">
<a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb3d" =
target=3D"_blank" title=3D"Explore M&S Loans" style=3D"text-decoration: non=
e; font-size:16px; line-height:24px; font-weight: normal; color:#ffffff;"><=
span style=3D"color: #ffffff; text-decoration:none;" class=3D"colwhite">Exp=
lore M&S Loans</span></a>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%; background-color: #F2EEEA;" bgcolor=3D"#F2EEEA">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" height=3D"32" style=3D"height: 32px; mi=
n-height: 32px; max-height: 32px;"> </td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td valign=3D"top" align=3D"center" class=3D"pdop0">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%; border-radius: 12px; background-color: #DED5CB;" bgcolor=
=3D"DED5CB">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" style=3D"padding-top: 20px; padding-bot=
tom: 20px;">
<table align=3D"center" width=3D"626" border=3D"0" cellspacing=3D"0" cellpa=
dding=3D"0" style=3D"width: 626px;" class=3D"w72">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<p style=3D"margin: 0;">
<img src=3D"https://assets.fwdto.net/MandS/202607_confidence_comms/image3_M=
B.png" width=3D"274" height=3D"auto" alt=3D"Savings that bloom
like our flowers" style=3D"display: block; border: 0; width: 274px; height:=
auto;" class=3D"w100">
</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 20px; line-height: 24px; color: #000000; margin=
-bottom: 0px; text-align: left; margin-top: 20px;">Savings that bloom <br c=
lass=3D"show320">like our flowers</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 16px; line-height: 22px; color: #000000; margin=
-bottom: 12px; text-align: left; margin-top: 14px;">Choose an account desig=
ned to suit the way you save. Simply put a little away and watch it grow &n=
dash; for wedding day flowers and escaping summer showers.</p>
</td>
</tr>
<tr>
<td style=3D"padding-top: 0px; padding-bottom: 0px;">
<table border=3D"0" align=3D"left" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"background-color: #000000; border:1px solid #DED5CB;" class=3D"w100">
<tbody>
<tr>
<td align=3D"left" style=3D"padding: 0; border: 0; font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: normal; vertical-align: middle; text-=
align: center; color: #ffffff; text-decoration: none; padding: 12px 22px; m=
so-padding-alt:12px 22px;" class=3D"colwhite">
<a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb3e" =
target=3D"_blank" title=3D"Explore M&S Savings" style=3D"text-decoration: n=
one; font-size:16px; line-height:24px; font-weight: normal; color:#ffffff;"=
><span style=3D"color: #ffffff; text-decoration:none;" class=3D"colwhite">E=
xplore M&S Savings</span></a>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%; background-color: #F2EEEA;" bgcolor=3D"#F2EEEA">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" height=3D"32" style=3D"height: 32px; mi=
n-height: 32px; max-height: 32px;"> </td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<!--<![endif]-->
<!--Mobile_Code Ends-->
<tr>
<td valign=3D"top" align=3D"center" background=3D"https://assets.fwdto.net=
/MandS/202607_confidence_comms/Bgimage_DTP.png" bgcolor=3D"#b1c3cf" style=
=3D"background-size:768px 320px; background-position: top center; backgroun=
d-repeat: no-repeat; height: 320px; background-color: #b1c3cf;" class=3D"bg=
_img2">
<!--[if gte mso 9]>
<v:rect xmlns:v=3D"urn:schemas-microsoft-com:vml" fill=3D"true" stroke=3D"f=
alse" style=3D"width:768px; height:320px; background-size:768px 320px; back=
ground-position: top center; background-repeat: no-repeat;">
<v:fill type=3D"frame" src=3D"https://assets.fwdto.net/MandS/202607_confide=
nce_comms/Bgimage_DTP.png" color=3D"none" />
<v:textbox inset=3D"0,0,0,0">
<![endif]-->
<div style=3D"margin: 0; vertical-align: top;" class=3D"">
<table width=3D"768" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=
=3D"center" valign=3D"top" style=3D"width: 768px;" class=3D"w100">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" class=3D"nomob">
<table align=3D"left" width=3D"350" border=3D"0" cellspacing=3D"0" cellpadd=
ing=3D"0" style=3D"width: 350px;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" width=3D"53" style=3D"width: 53px;" cla=
ss=3D"nomob"> </td>
<td align=3D"center" valign=3D"top" width=3D"300" style=3D"width: 300px;" c=
lass=3D"w100">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 26px; line-height: 30px; color: #000000; margin=
-bottom: 0px; text-align: left; margin-top: 28px;">Win the ultimate <br>sho=
pping spree at M&S</p>
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 16px; line-height: 22px; color: #000000; margin=
-bottom: 66px; text-align: left; margin-top: 20px;">Enter by ‌3 A=
ugust‌ for your chance to <br class=3D"nomob">win an M&S e-gift ca=
rd worth <br class=3D"nomob">£1000, £500 or £350.</p>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"95%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"width: 95%;">
<tbody>
<tr>
<td style=3D"padding-top: 0px; padding-bottom: 32px;">
<table border=3D"0" align=3D"left" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"background-color: #ffffff;" class=3D"mainbg">
<tbody>
<tr>
<td align=3D"left" style=3D"padding: 0; border: 0; font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: normal; vertical-align: middle; text-=
align: center; color: #000000; text-decoration: none; padding: 12px 22px; m=
so-padding-alt:12px 22px;" class=3D"colwhite graybrdr">
<a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb3f&e=
=3DcDE9JTQwTVp4SUZ3VkJON29KaEhFd3VxTXdQZyUzRCUzRCZwMj0lNDAwUGYxS0t0bXBFRTdF=
a1dQTzZaN0VnJTNEJTNEJnAzPVRQ&s=3D6O7zR90FFIKdCtgqPCTq0uOnZ7J66AUZe8B17Ys-Xy=
Y" target=3D"_blank" title=3D"Enter now" style=3D"text-decoration: none; fo=
nt-size:16px; line-height:24px; font-weight: normal; color:#000000;"><span =
style=3D"color: #000000; text-decoration:none;" class=3D"colwhite">Enter no=
w</span></a>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<!--Mobile_Code Starts-->
<!--[if !mso]><!-->
<tr>
<td align=3D"center" valign=3D"top" style=3D"display: none;" class=3D"show"=
>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"85%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"width: 85%;" class=3D"">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<p class=3D"textBlack" style=3D"margin: 0; font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 26px; line-height: 30px; color: #000000; margin=
-bottom: 0px; text-align: left; margin-top: 24px;">Win the ultimate <br>sho=
pping spree <br>at M&S</p>
<p class=3D"textBlack mbtm251" style=3D"margin: 0; font-family: 'MS', Arial=
, Helvetica, sans-serif; font-size: 16px; line-height: 22px; color: #000000=
; text-align: left; margin-top: 18px;">Enter by ‌3 August‌ f=
or your chance <br>to win an M&S e-gift card worth <br>£1000, &po=
und;500 or £350.</p>
</td>
</tr>
<tr>
<td style=3D"padding-top: 0px; padding-bottom: 23px;">
<table border=3D"0" align=3D"left" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"background-color: #ffffff;" class=3D"w100 mainbg">
<tbody>
<tr>
<td align=3D"left" style=3D"padding: 0; border: 0; font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: normal; vertical-align: middle; text-=
align: center; color: #000000; text-decoration: none; padding: 12px 22px; m=
so-padding-alt:12px 22px;" class=3D"colwhite graybrdr">
<a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb40&e=
=3DcDE9JTQwTVp4SUZ3VkJON29KaEhFd3VxTXdQZyUzRCUzRCZwMj0lNDAwUGYxS0t0bXBFRTdF=
a1dQTzZaN0VnJTNEJTNEJnAzPVRQ&s=3DIOIznYBsNulmaoYjwvXp6T3m6c4mC4Zo0aANh48X7t=
A" target=3D"_blank" title=3D"Enter now" style=3D"text-decoration: none; fo=
nt-size:16px; line-height:24px; font-weight: normal; color:#000000;"><span =
style=3D"color: #000000; text-decoration:none;" class=3D"colwhite">Enter no=
w</span></a>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<!--<![endif]-->
<!--Mobile_Code Ends-->
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
<!--[if gte mso 9]>
</v:textbox>
</v:rect>
<![endif]-->
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top" class=3D"nomob">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%; background-color: #F2EEEA;" bgcolor=3D"#F2EEEA">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" height=3D"40" style=3D"height: 40px; mi=
n-height: 40px; max-height: 40px;"> </td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top" class=3D"nomob">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%; background-color: #F2EEEA;" bgcolor=3D"#F2EEEA">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" style=3D"padding-bottom: 40px;">
<table width=3D"660" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"width: 660px;" class=3D"w245">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" width=3D"326" style=3D"width: 326px;">
<p style=3D"margin: 0;">
<img src=3D"https://cdn.assets.fwdto.net/MandS/202607_confidence_comms/Card=
_DT.png" width=3D"326" height=3D"auto" alt=3D"Summer style,
sorted" style=3D"display: block; border: 0; width: 326px; height: auto;" cl=
ass=3D"w100">
</p>
</td>
<td align=3D"center" valign=3D"top" height=3D"353" style=3D"height: 353px; =
min-height: 353px;">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%; background-color: #000000; border-top-right-radius: 18px;=
border-bottom-right-radius: 18px;" bgcolor=3D"#000000">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" height=3D"353" style=3D"height: 353px; =
min-height: 353px;">
<table align=3D"center" width=3D"254" border=3D"0" cellspacing=3D"0" cellpa=
dding=3D"0" style=3D"width: 254px;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<p class=3D"colwhite" style=3D"margin: 0; font-family: 'MS', Arial, Helveti=
ca, sans-serif; font-size: 26px; line-height: 30px; color: #ffffff; margin-=
bottom: 0px; text-align: left; margin-top: 27px;">Summer style,<br>sorted</=
p>
<p class=3D"colwhite" style=3D"margin: 0; font-family: 'MS', Arial, Helveti=
ca, sans-serif; font-size: 16px; line-height: 22px; color: #ffffff; margin-=
bottom: 20px; text-align: left; margin-top: 20px;">Fancy refreshing your wa=
rdrobe at M&S this summer=3F Be sure to use your M&S Credit Card an=
d link it to Sparks, then check the Sparks section of the M&S app to tr=
ack all the Rewards points you earn. Love that.</p>
</td>
</tr>
<tr>
<td style=3D"padding-top: 0px;">
<table border=3D"0" align=3D"left" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"background-color: #ffffff;" class=3D"w100 borderwhite darkmode">
<tbody>
<tr>
<td align=3D"left" style=3D"padding: 0; border: 0; font-family: 'MS', Arial=
, Helvetica, sans-serif; font-weight: normal; vertical-align: middle; text-=
align: center; color: #000000; text-decoration: none; padding: 12px 22px; m=
so-padding-alt:12px 22px;" class=3D"colwhite graybrdr">
<a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb41" =
target=3D"_blank" title=3D"Shop M&S now" style=3D"text-decoration: none; fo=
nt-size:16px; line-height:24px; font-weight: normal; color:#000000;"><span =
style=3D"color: #000000; text-decoration:none;" class=3D"colwhite">Shop M&a=
mp;S now</span></a>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<!--Mobile_Code Starts-->
<!--[if !mso]><!-->
<tr>
<td align=3D"center" valign=3D"top" style=3D"display: none;" class=3D"show"=
>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%; background-color: #F2EEEA;" bgcolor=3D"#F2EEEA">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" style=3D"padding-bottom: 0px;">
<table width=3D"660" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"width: 660px;" class=3D"w94">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
<p class=3D"textBlack text_center" style=3D"margin: 0; font-family: 'MS', A=
rial, Helvetica, sans-serif; font-size: 26px; line-height: 30px; color: #00=
0000; margin-bottom: 14px; text-align: left; margin-top: 20px;">Summer styl=
e,<br>sorted</p>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top">
<p style=3D"margin: 0;">
<img src=3D"https://assets.fwdto.net/MandS/202607_confidence_comms/Card_MB.=
png" width=3D"100%" height=3D"auto" alt=3D"Summer style,
sorted" style=3D"display: block; border: 0; width: 100%; height: auto;" cla=
ss=3D"w100">
</p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"width: 100%;" class=3D"w94B">
<tbody>
<tr>
<td align=3D"center" valign=3D"top">
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ica, sans-serif; font-size: 16px; line-height: 22px; color: #000000; margin=
-bottom: 20px; text-align: left; margin-top: 20px;">Fancy refreshing your w=
ardrobe at M&S this summer=3F Be sure to use your M&S Credit Card a=
nd link it to Sparks, then check the Sparks section of the M&S app to t=
rack all the Rewards points you earn. Love that.</p>
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ht: 20px; text-align: left; color: #FFFFFE; margin-top: 44px; margin-botto=
m: 22px;" class=3D"colwhite mt40 txtcenter">We'd really appreciate you =
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=3DcDE9JTQwTVp4SUZ3VkJON29KaEhFd3VxTXdQZyUzRCUzRCZwMj0lNDAwUGYxS0t0bXBFRTdF=
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, sans-serif; font-size:16px;" title=3D"Leave a review" target=3D"_blank"><=
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ing-bottom: 36px; padding-top: 26px;" bgcolor=3D"#ffffff">
<table align=3D"center" width=3D"672" style=3D"width: 672px;" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" class=3D"w245">
<tbody>
<tr>
<td align=3D"center" valign=3D"top" style=3D"padding-top: 0px;">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top">
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; font-w=
eight: bold;" class=3D"colwhite mt14">M&S Egift card Customer Prize Dra=
w:</p>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" alig=
n=3D"center">
<tbody>
<tr>
<td align=3D"left" valign=3D"top">
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; font-we=
ight: normal; text-align: left;" class=3D"colwhite">By entering M&S Egi=
ft card Customer Prize Draw (the 'prize draw') you're agreeing to these ter=
ms and conditions.</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; font-w=
eight: bold;" class=3D"colwhite">Who's running the M&S Bank prize draw=
=3F</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; font-we=
ight: normal;" class=3D"colwhite">M&S Bank, a division of HSBC UK Bank =
plc ('we, us') is the promoter of the prize draw.</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; font-w=
eight: bold;" class=3D"colwhite">Can I enter the prize draw=3F</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; font-w=
eight: bold;" class=3D"colwhite">To enter you need to:</p>
</td>
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</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">live in the UK</p></td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">be 18+</p></td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">be a selected M&S Bank Credit Car=
d customer who registers for the promotion between ‌27 Ju‌ly=
2026‌ and ‌3 Aug‌ust 2026‌.</p></td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">enter the prize draw via the link in =
the official M&S Bank email associated with this promotion.</p></td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px;" class=
=3D"colwhite"><strong>You can't enter=C2=A0if:</strong></p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 2px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">you work for us</p></td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">you are residents of the Channel Isla=
nds or the Isle of Man.</p></td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; font-w=
eight: normal;" class=3D"colwhite">Your entry won't count if you don't meet=
the above. You'll be disqualified if you stop meeting these criteria at an=
y time before the prize draw ends (even if your entry was valid when you en=
tered).</p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top">
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 14px; color: #000000; margin-top: 10px; font-w=
eight: bold; margin-bottom: 6px" class=3D"colwhite">How do I enter=3F</p></=
td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">This M&S Bank prize draw is free =
to enter. You can enter the M&S Bank prize draw from ‌00:01‌ =
on ‌27 Ju‌ly unt‌il ‌23:59‌ on ‌03 =
Aug‌ust 2026‌. We won't accept entries received after the cl=
osing date.</p>
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">You need to enter the prize draw via =
the link in the official M&S Bank email associated with this promotion.=
</p></td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">You can only enter the M&S Bank p=
rize draw once.</p></td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td style=3D"padding-bottom: 0px;">
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; font-w=
eight: normal;" class=3D"colwhite">There is no purchase or entry fee to ent=
er this prize draw.</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; font-w=
eight: normal;" class=3D"colwhite">For the avoidance of doubt, the relevant=
M&S Bank prize draw email will be issued on ‌27 Ju‌ly&n=
bsp;2026‌. It will invite the receiver to enter the prize draw by clic=
king "Enter now" through the received email.</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; margin=
-bottom: 0px;" class=3D"colwhite"><strong>What are the prizes=3F</strong></=
p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; margin=
-bottom: 0px;" class=3D"colwhite">The prize draw offers six prizes:</p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">2 x £1000 M&S e-gift card</=
p>
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">2 x £500 M&S e-gift card</p=
>
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">2 x £350 M&S e-gift card</p=
>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td style=3D"padding-bottom: 0px;">
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; font-w=
eight: normal;" class=3D"colwhite">All prizes are subject to availability.<=
/p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; font-w=
eight: normal;" class=3D"colwhite">If we can't offer the prize, we'll give =
you another prize of equal or greater value. We can't:</p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">exchange the prize for cash</p>
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">swap the prize for something else or<=
/p>
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">give your prize to someone else</p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td style=3D"padding-bottom: 0px;">
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px;" class=
=3D"colwhite"><strong>How will winners be chosen=3F</strong></p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; font-we=
ight: normal;" class=3D"colwhite">We'll pick the winners randomly by ‌=
17 Aug‌ust 2026‌ using software which randomly selects =
the winner.</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; font-w=
eight: normal;" class=3D"colwhite">The odds of winning will depend on the t=
otal number of valid entries received.</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px;" class=
=3D"colwhite"><strong>How will I know if I've won=3F</strong></p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; font-we=
ight: normal;" class=3D"colwhite">If you win, we'll try to contact you by e=
mail/phone using the contact information we hold on your account. If you do=
n't claim your prize, we can give it to the next runner-up.</p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td style=3D"padding-bottom: 0px;">
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px;" class=
=3D"colwhite"><strong>What else do I need to know=3F</strong></p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; font-we=
ight: normal;" class=3D"colwhite">You're responsible for complying with any=
terms and conditions issued by the manufacturer or supplier of a prize.</p=
>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; font-w=
eight: normal;" class=3D"colwhite">We can change these terms or cancel the=
=E2=80=AFprize draw=E2=80=AFwithout telling you in advance if:</p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">required by law, or</p>
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">there are reasons beyond our control,=
or</p>
</td>
</tr>
<tr>
<td align=3D"left" valign=3D"top" width=3D"12" style=3D"width: 12px;"><p st=
yle=3D"margin: 0px; font-family: Arial; font-size: 12px; line-height: 16px;=
color: #000000; margin-top: 1px; font-weight: bold; text-align: left;" cla=
ss=3D"colwhite">•</p></td>
<td><p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-seri=
f; font-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; fon=
t-weight: normal;" class=3D"colwhite">there's a fair or valid reason</p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<tbody>
<tr>
<td align=3D"left" valign=3D"top">
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 14px; color: #000000; margin-top: 14px; font-w=
eight: bold;" class=3D"colwhite">Your personal data</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; font-we=
ight: normal;" class=3D"colwhite">You can find out the surname and county o=
f each winner by sending a stamped addressed envelope to Marketing Departme=
nt, M&S Bank, ‌PO Bo‌x 3847‌, Chester ‌CH1 9‌F=
H. If you win, we may give your surname and county to anyone who requests t=
his information, including our regulators. You can tell us if you don't wan=
t us to do this or if you want to limit the amount of information that we m=
ake available about a winning entry.</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; font-w=
eight: normal;" class=3D"colwhite">If you win, we might ask you if we can u=
se your information in any promotional activities or publicity linked to th=
e prize draw.</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 10px; font-w=
eight: normal;" class=3D"colwhite">We will use your information to run the =
prize draw and award prizes. For more information about how we use your per=
sonal information, please see our <a href=3D"http://comms.mandsbank.com/r/=
=3Fid=3Dh29c19e10,6a3435f,31bdb4c" target=3D"_blank" style=3D"text-decorati=
on: underline; color: #000000;font-family: 'MS', Arial, Helvetica, sans-ser=
if;" title=3D"Privacy Notice" class=3D"blacktext"><span style=3D"color:#000=
000; text-decoration: underline; font-size: 12px; font-weight: normal; line=
-height: 16px;" class=3D"blacktext">Privacy Notice</span></a>.</p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" clas=
s=3D"w100">
<tbody>
<tr>
<td align=3D"left" valign=3D"top">
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 14px; font-w=
eight: bold;" class=3D"colwhite">Contact us</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 0px; font-we=
ight: normal;" class=3D"colwhite">You can ask questions about the prize dra=
w by sending a stamped addressed envelope to Marketing Department, M&S =
Bank, PO B‌ox 3847‌, ‌Chester C‌H1 9F‌H.</p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" clas=
s=3D"w100">
<tbody>
<tr>
<td align=3D"left" valign=3D"top">
<!-- Fraud warning -->
<p style=3D"font-family: 'MS', Arial, Helvetica, sans-serif; margin: 0; mar=
gin-bottom: 0px; font-size: 12px; font-weight: bold; line-height: 16px; tex=
t-align: left; color: #000000;margin-top:12px" class=3D"blacktext">Fraud wa=
rning</p>
<p style=3D"font-family: 'MS', Arial, Helvetica, sans-serif; margin: 0; mar=
gin-bottom: 12px; font-size: 12px; line-height: 16px; text-align: left; col=
or: #000000; font-weight: normal;" class=3D"blacktext">We maintain strict s=
ecurity standards and procedures to prevent unauthorised access to informat=
ion about you. M&S Bank will never contact you by email or otherwise to=
ask you to validate personal information such as your user ID, password or=
account numbers. To reassure you that this email is genuine, we have inclu=
ded the last three digits of your postcode below. If this is not correct, p=
lease <a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31b=
db4b" target=3D"_blank" style=3D"text-decoration: underline; color: #000000=
;font-family: 'MS', Arial, Helvetica, sans-serif;" title=3D"contact us" cla=
ss=3D"blacktext"><span style=3D"color:#000000; text-decoration: underline; =
font-size: 12px; font-weight: normal; line-height: 16px;" class=3D"blacktex=
t">contact us</span></a>.</p>
<p style=3D"font-family: 'MS', Arial, Helvetica, sans-serif; margin: 0; mar=
gin-bottom: 0px; font-size: 12px; font-weight: bold; line-height: 16px; tex=
t-align: left; color: #000000;" class=3D"blacktext">3HA</p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" valign=3D"top">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" clas=
s=3D"w100">
<tbody>
<tr>
<td align=3D"left" valign=3D"top" style=3D"font-family: 'MS', Arial, Helvet=
ica, sans-serif; font-size: 12px; line-height: 16px; color: #000000; ">
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 14px; color: #000000; margin-top: 14px; font-w=
eight: bold;" class=3D"colwhite">Important information</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 4px; font-we=
ight: normal;" class=3D"colwhite">To help us improve our emails, we may mon=
itor your interest in them. We may be able to tell when you've opened them,=
and how you've interacted with them. This includes information about how l=
ong you spend reading our emails and which links you select. We may also co=
llect technical information about your device and internet connection, and =
set cookies. We use this information to help us understand how effective ou=
r emails are and to improve our communications. We use trusted service prov=
iders to help us. For more details, read our <a href=3D"http://comms.mandsb=
ank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb50" target=3D"_blank" style=3D"tex=
t-decoration: underline; color: #000000;" class=3D"colwhite" title=3D"Priva=
cy=E2=80=AFNotice"><span style=3D"text-decoration: underline; color: #00000=
0;" class=3D"colwhite">Privacy Notice</span></a>. You can ask us to st=
op using this data for marketing purposes at any time. To make that change,=
<a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c19e10,6a3435f,31bdb52"=
target=3D"_blank" style=3D"text-decoration: underline; color: inherit;" ti=
tle=3D"contact=E2=80=AFus" class=3D"colwhite"><span style=3D"text-decoratio=
n: underline; color: #000000;" class=3D"colwhite">contact=E2=80=AFus</span>=
</a>.</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 12px; font-w=
eight: normal;" class=3D"colwhite">Please note that this email was sent fro=
m a notification-only address that is unable to accept incoming email. This=
email is confidential. If you are not the addressee, you may not copy, for=
ward, disclose or otherwise use the information. Please notify the sender i=
mmediately and delete this email and all copies from your system. Internet =
communications cannot be guaranteed to be timely, secure, error or virus-fr=
ee. The sender does not accept liability for any errors or omissions.</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 12px; font-w=
eight: normal;" class=3D"colwhite">Issued by M&S Bank, a division of HS=
BC UK Bank plc. M&S is a registered trademark of Marks and Spencer plc =
and is used under licence. HSBC UK Bank plc is authorised by the Prudential=
Regulation Authority and regulated by the Financial Conduct Authority and =
the Prudential Regulation Authority (Financial Services Register number: 76=
5112). HSBC UK Bank plc is a company incorporated under the laws of England=
and Wales with company registration number 9928412 and its registered offi=
ce at 1 Centenary Squ‌are, Birmi‌ngham, ‌B1 1HQ‌.<=
/p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 12px; font-w=
eight: normal;" class=3D"colwhite">We hope you found this email of interest=
. If you would rather not receive emails about M&S Bank's prod=
ucts and services, please <a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh=
29c19e10,6a3435f,31bdb4f&e=3DcDE9JTQwTVp4SUZ3VkJON29KaEhFd3VxTXdQZyUzRCUzRC=
ZwMj0lNDAwUGYxS0t0bXBFRTdFa1dQTzZaN0VnJTNEJTNE&s=3D4K1Wk9IPizMA-iUYfwgux2Tc=
pQ3tjeeGmJUzlEf93LQ" target=3D"_blank" style=3D"color: #000000; text-decora=
tion: underline;" title=3D"unsubscribe here" class=3D"colwhite"><span style=
=3D"text-decoration: underline; color: #000000;" class=3D"colwhite">unsubsc=
ribe here</span></a>.</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 12px; font-w=
eight: normal;" class=3D"colwhite">At M&S Bank your privacy is imp=
ortant to us. View our <a href=3D"http://comms.mandsbank.com/r/=3Fid=3Dh29c=
19e10,6a3435f,31bdb51" target=3D"_blank" title=3D"Privacy Notice here" styl=
e=3D"color: #000000; text-decoration: underline;" class=3D"colwhite"><span =
style=3D"text-decoration: underline; color: #000000;" class=3D"colwhite">Pr=
ivacy Notice here</span></a>.</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 12px; font-w=
eight: normal;" class=3D"colwhite">© HSBC Group 2026. All rights reser=
ved.</p>
<p style=3D"margin: 0px; font-family: 'MS', Arial, Helvetica, sans-serif; f=
ont-size: 12px; line-height: 16px; color: #000000; margin-top: 12px; mso-li=
ne-height-rule: exactly; font-weight: normal;" class=3D"colwhite">AC70788</=
p>
</td>
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</table>
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</div>
</div>
</td>
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</table>
</div>
<img height=3D'0' width=3D'0' alt=3D'' src=3D'http://comms.mandsbank.com/r/=
=3Fid=3Dh29c19e10,6a3435f,1'/></body>
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