HEX

File: D:/hMailServer/Data/sarahharvey.com/sue/FD/{FD768C4C-1D4C-4B39-A832-3DDEAB2E8FAF}.eml
From: "Kroo Bank" <noreply@mail.kroo.com>
Message-ID: <BB.86.22909.FC1B17A6@i-0fbdafab2ca626ab1.mta3vrest.sd.prd.sparkpost>
To: sue@sarahharvey.com
Date: Tue, 04 Aug 2026 09:33:03 +0000
Content-Type: multipart/alternative; boundary="_----ZEFwcMBAKsm/C217n9/U6g===_23/86-22909-FC1B17A6"
MIME-Version: 1.0
Reply-To: noreply@kroo.com
Subject: Refer friends. Earn rewards.

--_----ZEFwcMBAKsm/C217n9/U6g===_23/86-22909-FC1B17A6
Content-Transfer-Encoding: quoted-printable
Content-Type: text/plain; charset="UTF-8"

Refer up to 10 friends and earn =C2=A35 for each one that joins and=0Amakes=
 a card payment.     Hi Susan=0A=0AKnow someone who might enjoy banking wit=
h Kroo=3F=0A=0AYou can now earn =C2=A35 for every friend you refer, up to a=
 maximum=0Aof 10 referrals (=C2=A350). All they need to do is join Kroo and=
 make=0Aa card payment.=0A=0AHow it works=0A=0A* Open the Kroo app and tap =
the 'Invite friends and get =C2=A35=0Aeach' button at the bottom of your ho=
mepage.=0A* Share your unique referral link with friends.=0A* They join Kro=
o and make a qualifying card payment.=0A* You'll receive =C2=A35 for each s=
uccessful referral.=0AThere's no limit to how many friends you can invite, =
but=0Ayou'll earn rewards for the first 10 successful referrals who=0Acompl=
ete their payment.=0A=0AAnd with Kroo, you can even manage money together,=
=0Aeffortlessly!=0A=0AOnce your friends join Kroo, you can make the most of=
 shared=0Afeatures like Groups and payment requests to split bills, track=
=0Ashared spending and manage money together, whether you're=0Aplanning a t=
rip, sharing a house or just settling up after=0Adinner.=0A=0AFor full deta=
ils, please see our Terms & Conditions =0A( https://clicks.kroo.com/f/a/DBw=
Pyje_GM_2ZT2quiINmw~~/AAAHahA~/j6A44kVTNlrKYKy1uHNXFkCSPm-7G3FCEWwu5t_AYoJC=
7o-qPC_10zDvdbIr-P5eTa46ezHuC2T_8WCG1P68J4ScfxoKqg5OaHLWsLfvagIWyCCeRQGsHxi=
YO-56L_MOY0stwYNSl2yVMqW9j4laKRVCER0HCr3_yoNm6P91wBQ~ )=0A.=0A=0AHappy refe=
rring,=0A=0ATeam Kroo=0A=0AFacebook =0A( https://clicks.kroo.com/f/a/ujSZZa=
cSTHqqfQHuvfauUw~~/AAAHahA~/v7E4tl1KEh9Xk9diiLkvcZyuILIeJI-nPpH2uQ6kPbgKaf6=
OXCAJIe6xdD8V4xroKdmS2rx85aBrOtA1dn9zqwGdqeBD9sHBYaMvNyEyVAfHrv2ChE_NmhJDrG=
mH00pKhgV2Se4Ks7F-o6c4Fb5o5g~~ )   Instagram =0A( https://clicks.kroo.com/f=
/a/N8tbgql4NvqtG0eBaSBxBA~~/AAAHahA~/NTCXVx2wBMkucy30ERF4S_8uXL6CfmHT9E-e4O=
14qml9QS9beItnBxJQEEEuKZlm_ifFzJowcOIPsS13KIMhREcJHq-aFqPpjFivW38ksRpJULMYS=
kk-wq3_TxfzW7BqniFQ0nSrRF2tX2QBCoEeiQ~~ )  Linkedin=0A(=0Ahttps://clicks.kr=
oo.com/f/a/J-URAK2FyeELieOoeVPrCA~~/AAAHahA~/PjFsIoR7OmyPOSPxybix-J16wP6Fqr=
tHEV-QgzM_l5kimBJM3UtPeiIbGBe6Jwra-71J8O_Icqmb9g-Up7czzpPzwHycKfqBCiDLd6ukI=
1qQCFKnUXi0LqDa8D4TZrCx4PG9Z6XIOFEiDULmD26jPyCM1o9w3f6ydFTofLVMT3w~=0A)    =
      Please do not reply to this email, any responses will not be=0Aread. =
If you require any help, please contact help@kroo.com or=0Asend us a messag=
e via the Help section in the app.=0A=0ACopyright =C2=A9 2026 Kroo Bank =C2=
=AE, All rights reserved.=0A=0AThis email is confidential and intended for =
the addressee only.=0APlease delete if that=E2=80=99s not you.=0A=0AKroo Ba=
nk Ltd is a company registered in England and Wales with=0Acompany number 1=
0359002. Registered office: 20 Farringdon St,=0ALondon, EC4A 4AB, UK.=0A=0A=
Kroo Bank Ltd is authorised by the Prudential Regulation=0AAuthority (PRA) =
and regulated by the Financial Conduct Authority=0Aand the PRA (FRN 953772)=
.=0A=0AThis email was sent by Kroo Bank. Not a fan of marketing=0Acommunic=
ations=3F Unsubscribe ( https://clicks.kroo.com/f/a/_rhLfshQga_wpdtBaYP5WQ~=
~/AAAHahA~/YkUvucNdhJ7Aehe-vo4_Jlh9s_40fdlo7f986ylFl19VVA6tL9W2mxl1O5MMumP6=
y86PJ5uL_7HCkLHRN1PhoB7P2zf1zEOM5wBDr3H4n03iqpYluPV7pMU8sDYy6qkGQ7DEGXPr01n=
887gY9QKlbylZjZ8w94EEc7MIwWnOegkTxP2xv7oWIslHntYcXgwqzmMQ3W10uN8GE-x2YcOZYj=
trSl6QndK0QWijERPEYOtHjru45XtMkZUb6XSaloVRJRP-vUgb6FlxjCg8ElygrdlSG1qywsUwI=
buA-hZmI9YegNKhDGa4pLy3gk_-wNMbTISJOTUvUc0mswReSXTHKvi-UeINtGj5fKCRiPcBuKyK=
goziLyq01qzIYxZRdrmJSssBeGLhNkP0bvT4V1N0jYHhuVLtZ9TXZxZUqg6Aa9KdoLTfeQfMPS6=
fjKah4rMhbWev5xx6dvBWTtPpiF5H4K9a7RaP_Pna0g0-IxSUOZ1lfCmFd80_-WIsp2ojOp5glL=
uR3KF2lh7lTs8UulOA6EBBNSi4oimxFnBYsSPXNx4APQTbrUTLEgzkDuiFO0RCD14T8RYWiKcli=
CjojrSHWSWBrgJE8XpP5tlmf-E43ddRKARiKs0kHwsLn7WnD6kuDRHr6IQy59QLm6muru_hmA~~=
=0A)
--_----ZEFwcMBAKsm/C217n9/U6g===_23/86-22909-FC1B17A6
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="UTF-8"

<!DOCTYPE html>=0A<html xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=
=3D"urn:schemas-microsoft-com:office:office" lang=3D"">=0A<head>=0A<title><=
/title>=0A<meta http-equiv=3D"Content-Type" content=3D"text/html; charset=
=3Dutf-8">=0A<meta name=3D"viewport" content=3D"width=3Ddevice-width,initia=
l-scale=3D1">=0A<!--[if mso]>=0A<xml><w:WordDocument xmlns:w=3D"urn:schemas=
-microsoft-com:office:word"><w:DontUseAdvancedTypographyReadingMail/></w:Wo=
rdDocument>=0A<o:OfficeDocumentSettings><o:PixelsPerInch>96</o:PixelsPerInc=
h><o:AllowPNG/></o:OfficeDocumentSettings></xml>=0A<![endif]--><!--[if !mso=
]><!--><link href=3D"https://fonts.googleapis.com/css=3Ffamily=3DInter" rel=
=3D"stylesheet" type=3D"text/css">=0A<!--<![endif]--><style>=0A*{box-sizing=
:border-box}body{margin:0;padding:0}a[x-apple-data-detectors]{color:inherit=
!important;text-decoration:inherit!important}#MessageViewBody a{color:inher=
it;text-decoration:none}p{line-height:inherit}.desktop_hide,.desktop_hide t=
able{mso-hide:all;display:none;max-height:0;overflow:hidden}.image_block im=
g+div{display:none}sub,sup{font-size:75%;line-height:0}#converted-body .lis=
t_block ol,#converted-body .list_block ul,.body [class~=3Dx_list_block] ol,=
.body [class~=3Dx_list_block] ul,u+.body .list_block ol,u+.body .list_bloc=
k ul{padding-left:20px} @media (max-width:620px){.desktop_hide table.icons-=
outer{display:inline-table!important}.row-content{width:100%!important}.sta=
ck .column{width:100%;display:block}.mobile_hide{min-height:0;max-height:0;=
max-width:0;display:none;overflow:hidden;font-size:0}.desktop_hide,.desktop=
_hide table{display:table!important;max-height:none!important}.row-7 .colum=
n-1 .block-2.icons_block td.pad{text-align:right!important;padding:10px!imp=
ortant}}=0A</style>=0A<!--[if mso ]><style>sup, sub { font-size: 100% !impo=
rtant; } sup { mso-text-raise:10% } sub { mso-text-raise:-10% }</style> <![=
endif]-->=0A</head>=0A<body class=3D"body" style=3D"margin:0;padding:0;-web=
kit-text-size-adjust:none;text-size-adjust:none;background-color:#fff">=0A<=
div style=3D"display:none !important;visibility:hidden;mso-hide:all;font-si=
ze:1px;color:#ffffff;line-height:1px;max-height:0px;max-width:0px;opacity:0=
;overflow:hidden;">Refer up to 10 friends and earn =C2=A35 for each one tha=
t joins and makes a card payment.</div>=0A<div style=3D"display:none !impor=
tant;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;line-height=
:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">=CD=8F =E2=80=
=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=
=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=
=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=
=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=
=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=
=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=
=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=
=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=
=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=
=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=
=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=
=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=
=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=
=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=
=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=
=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=
=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=
=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=
=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=
=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=
=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=
=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=
=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=
=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=
=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=
=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=
=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=
=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=
=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=
=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=
=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=
=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=
=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=
=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=
=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=
=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF </div>=
=0A<table class=3D"nl-container" width=3D"100%" border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso=
-table-rspace:0;background-color:#fff"><tbody><tr><td>=0A<table class=3D"ro=
w row-1 mobile_hide" align=3D"center" width=3D"100%" border=3D"0" cellpaddi=
ng=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:=
0;mso-table-rspace:0;background-size:auto"><tbody><tr><td><table class=3D"r=
ow-content stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspaci=
ng=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace=
:0;background-size:auto;color:#000;width:600px;margin:0 auto" width=3D"600"=
><tbody><tr><td class=3D"column column-1" width=3D"100%" style=3D"mso-table=
-lspace:0;mso-table-rspace:0;font-weight:400;text-align:left;vertical-align=
:top"><table class=3D"image_block block-1" width=3D"100%" border=3D"0" cell=
padding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-ls=
pace:0;mso-table-rspace:0"><tr><td class=3D"pad" style=3D"width:100%" align=
=3D"center"><div style=3D"max-width:600px"><a href=3D"https://clicks.kroo.c=
om/f/a/mcT4TCBwBXnYRLWMrNtjjw~~/AAAHahA~/lcrHOtvQ8DSOg0Jz2Hr5lKe3UhJewq-u60=
bpVnC-vtbwa2Yr-O8ZoovRpYkT3gxB480EdQIh_I1n-FRkqtyzBSI5k1sL5F5zl5Yti9XEF9KUp=
b-7bn_8nxi61KnNbIx_" target=3D"_blank"><img src=3D"https://cdn.braze.eu/app=
boy/communication/assets/image_assets/images/6a622d9da38c2e0088dd3dea/origi=
nal.png=3F1784819100" style=3D"display:block;height:auto;border:0;width:100=
%" width=3D"600" alt=3D"" title=3D"" height=3D"auto"></a></div></td></tr></=
table></td></tr></tbody></table></td></tr></tbody></table>=0A<!--[if !mso]>=
<!--><table class=3D"row row-2 desktop_hide" align=3D"center" width=3D"100%=
" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" st=
yle=3D"mso-table-lspace:0;mso-table-rspace:0;mso-hide:all;display:none;max-=
height:0;overflow:hidden;background-size:auto"><tbody><tr><td><table class=
=3D"row-content stack" align=3D"center" border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-r=
space:0;mso-hide:all;display:none;max-height:0;overflow:hidden;background-s=
ize:auto;color:#000;width:600px;margin:0 auto" width=3D"600"><tbody><tr><td=
 class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;mso-t=
able-rspace:0;font-weight:400;text-align:left;vertical-align:top"><table cl=
ass=3D"image_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" c=
ellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tabl=
e-rspace:0;mso-hide:all;display:none;max-height:0;overflow:hidden"><tr><td =
class=3D"pad" style=3D"width:100%" align=3D"center"><div style=3D"max-width=
:600px"><a href=3D"https://clicks.kroo.com/f/a/RKfPv_LGbthZI1nXmSRkFw~~/AAA=
HahA~/lcrHOtvQ8DSOg0Jz2Hr5lCSwg8ZXVBAv2lruDDu_hz5_3VeYfPZkkjIzxJEKDApy4NcjE=
SabuaD2QnllnsL_VItBb9k_zpU-OeRiqjo9NAhH2U3tGK_eqhWPr1gfPMgl" target=3D"_bla=
nk"><img src=3D"https://cdn.braze.eu/appboy/communication/assets/image_asse=
ts/images/6a622d9d8e654900880f2835/original.png=3F1784819099" style=3D"disp=
lay:block;height:auto;border:0;width:100%" width=3D"600" alt=3D"" title=3D"=
" height=3D"auto"></a></div></td></tr></table></td></tr></tbody></table></t=
d></tr></tbody></table>=0A<!--<![endif]--><table class=3D"row row-3" align=
=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=
 role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbo=
dy><tr><td><table class=3D"row-content stack" align=3D"center" border=3D"0"=
 cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tab=
le-lspace:0;mso-table-rspace:0;background-color:#fff;color:#000;width:600px=
;margin:0 auto" width=3D"600"><tbody><tr><td class=3D"column column-1" widt=
h=3D"100%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;t=
ext-align:left;padding-bottom:5px;vertical-align:top">=0A<table class=3D"pa=
ragraph_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" cellsp=
acing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rsp=
ace:0;word-break:break-word"><tr><td class=3D"pad" style=3D"padding-top:30p=
x;padding-bottom:10px;padding-left:16px;padding-right:16px"><div style=3D"c=
olor:#101b24;direction:ltr;font-family:Inter,Arial,Sans-serif;font-size:18p=
x;font-weight:700;letter-spacing:0;line-height:NaN;text-align:left;mso-line=
-height-alt:NaNpx"><p style=3D"margin:0">Hi Susan</p></div></td></tr></tabl=
e>=0A<table class=3D"paragraph_block block-2" width=3D"100%" border=3D"0" c=
ellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table=
-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><td class=3D"pad" s=
tyle=3D"padding-top:10px;padding-left:16px;padding-right:16px"><div style=
=3D"color:#101b24;direction:ltr;font-family:Inter,Arial,Sans-serif;font-siz=
e:14px;font-weight:400;letter-spacing:0;line-height:1.5;text-align:left;mso=
-line-height-alt:21px">=0A<p style=3D"margin:0;margin-bottom:0">=0AKnow som=
eone who might enjoy banking with Kroo=3F</p>=0A<p style=3D"margin:0;margin=
-bottom:0">&nbsp;</p>=0A<p style=3D"margin:0;margin-bottom:0">You can now e=
arn =C2=A35 for every friend you refer, up to a maximum of 10 referrals (=
=C2=A350). All they need to do is join Kroo and make a card payment.</p>=0A=
<p style=3D"margin:0;margin-bottom:0">&nbsp;</p>=0A<p style=3D"margin:0">Ho=
w it works</p>=0A</div></td></tr></table>=0A</td></tr></tbody></table></td>=
</tr></tbody></table>=0A<table class=3D"row row-4" align=3D"center" width=
=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presenta=
tion" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table=
 class=3D"row-content stack" align=3D"center" border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-t=
able-rspace:0;color:#000;width:600px;margin:0 auto" width=3D"600"><tbody><t=
r><td class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;=
mso-table-rspace:0;font-weight:400;text-align:left;padding-bottom:5px;paddi=
ng-top:5px;vertical-align:top"><table class=3D"list_block block-1" width=3D=
"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentatio=
n" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word;col=
or:#2e3c47;direction:ltr;font-family:Inter,Arial,Sans-serif;font-size:14px;=
font-weight:400;letter-spacing:0;line-height:1.5;text-align:left;mso-line-h=
eight-alt:21px"><tr><td class=3D"pad" style=3D"padding-top:1px;padding-bott=
om:11px;padding-left:16px;padding-right:16px"><div style=3D"margin-left:-20=
px"><ul start=3D"1" style=3D"margin-top:0;margin-bottom:0;list-style-type:r=
evert">=0A<li aria-level=3D"1" style=3D"Margin:0 0 1px 0">Open the Kroo app=
 and tap the 'Invite friends and get =C2=A35 each' button at the bottom of =
your homepage.</li>=0A<li aria-level=3D"1" style=3D"Margin:0 0 1px 0">Share=
 your unique referral link with friends.</li>=0A<li aria-level=3D"1" style=
=3D"Margin:0 0 1px 0">=0AThey join Kroo and make a qualifying card payment.=
</li>=0A<li aria-level=3D"1" style=3D"Margin:0 0 1px 0">You'll receive =C2=
=A35 for each successful referral.</li>=0A</ul></div></td></tr></table></td=
></tr></tbody></table></td></tr></tbody></table>=0A<table class=3D"row row-=
5" align=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspaci=
ng=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace=
:0"><tbody><tr><td><table class=3D"row-content stack" align=3D"center" bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D=
"mso-table-lspace:0;mso-table-rspace:0;background-color:#fff;color:#000;wid=
th:600px;margin:0 auto" width=3D"600"><tbody><tr><td class=3D"column column=
-1" width=3D"100%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weig=
ht:400;text-align:left;padding-top:5px;vertical-align:top">=0A<table class=
=3D"paragraph_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;word-break:break-word"><tr><td class=3D"pad" style=3D"padding-l=
eft:16px;padding-right:16px"><div style=3D"color:#101b24;direction:ltr;font=
-family:Inter,Arial,Sans-serif;font-size:14px;font-weight:400;letter-spacin=
g:0;line-height:1.5;text-align:left;mso-line-height-alt:21px">=0A<p style=
=3D"margin:0;margin-bottom:0">There's no limit to how many friends you can =
invite, but you'll earn rewards for the first 10 successful referrals who c=
omplete their payment.</p>=0A<p style=3D"margin:0;margin-bottom:0">&nbsp;</=
p>=0A<p style=3D"margin:0;margin-bottom:0"><strong>And with Kroo, you can e=
ven manage money together, effortlessly!&nbsp;</strong></p>=0A<p style=3D"m=
argin:0;margin-bottom:0">&nbsp;</p>=0A<p style=3D"margin:0;margin-bottom:0"=
>Once your friends join Kroo, you can make the most of shared features like=
 Groups and payment requests to split bills, track shared spending and mana=
ge money together, whether you're planning a trip, sharing a house or just =
settling up after dinner.</p>=0A<p style=3D"margin:0;margin-bottom:0">=0A&n=
bsp;</p>=0A<p style=3D"margin:0;margin-bottom:0">For full details, please s=
ee our <a href=3D"https://clicks.kroo.com/f/a/DBwPyje_GM_2ZT2quiINmw~~/AAAH=
ahA~/j6A44kVTNlrKYKy1uHNXFkCSPm-7G3FCEWwu5t_AYoJC7o-qPC_10zDvdbIr-P5eTa46ez=
HuC2T_8WCG1P68J4ScfxoKqg5OaHLWsLfvagIWyCCeRQGsHxiYO-56L_MOY0stwYNSl2yVMqW9j=
4laKRVCER0HCr3_yoNm6P91wBQ~" target=3D"_blank" style=3D"text-decoration: un=
derline; color: #1871D8;" data-mce-attribute-name-1 data-mce-attribute-valu=
e-1 rel=3D"noopener">Terms &amp; Conditions</a>.</p>=0A<p style=3D"margin:0=
;margin-bottom:0">&nbsp;</p>=0A<p style=3D"margin:0">Happy referring,</p>=
=0A</div></td></tr></table>=0A<table class=3D"paragraph_block block-2" widt=
h=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"present=
ation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word=
"><tr><td class=3D"pad" style=3D"padding-top:15px;padding-bottom:30px;paddi=
ng-left:16px;padding-right:16px"><div style=3D"color:#101b24;direction:ltr;=
font-family:Inter,Arial,Sans-serif;font-size:16px;font-weight:700;letter-sp=
acing:0;line-height:1.8;text-align:left;mso-line-height-alt:29px"><p style=
=3D"margin:0">Team Kroo</p></div></td></tr></table>=0A</td></tr></tbody></t=
able></td></tr></tbody></table>=0A<table class=3D"row row-6" align=3D"cente=
r" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"=
presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><t=
d><table class=3D"row-content" align=3D"center" border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso=
-table-rspace:0;background-color:#ebe8e2;background-image:url(https://cdn.b=
raze.eu/appboy/communication/assets/image_assets/images/6a5f6b321377a50088d=
fed44/original.png=3F1784638258);background-repeat:no-repeat;background-siz=
e:cover;color:#000;width:600px;margin:0 auto" width=3D"600"><tbody><tr>=0A<=
td class=3D"column column-1" width=3D"25%" style=3D"mso-table-lspace:0;mso-=
table-rspace:0;font-weight:400;text-align:left;padding-bottom:5px;padding-t=
op:5px;vertical-align:top"><table class=3D"image_block block-1" width=3D"10=
0%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad" style=
=3D"width:100%;padding-left:10px;padding-right:5px" align=3D"center"><div s=
tyle=3D"max-width:135px"><a href=3D"https://clicks.kroo.com/f/a/0MUKb5uq56Q=
iBr8xeah2YA~~/AAAHahA~/D5W_mfjsY9gziVzqAgopls8mN1Xp-BH4KFKGJJcP6NHyMzM6_ejH=
vaLMG4F_lwGeoQmBYkqYlu9K9MfoEK2n3FBowhq3ux8mYAYKfm0nOWFyUoyejdc-pj5IVflF05W=
q7rC0GNHe2rgCrVNwXpH1htwSsDCnG1tr394au0i2z5w~" target=3D"_blank"><img src=
=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/images/6a=
50b3eeab9414008849e9eb/original.png=3F1783673838" style=3D"display:block;he=
ight:auto;border:0;width:100%" width=3D"135" alt=3D"" title=3D"" height=3D"=
auto"></a></div></td></tr></table></td>=0A<td class=3D"column column-2" wid=
th=3D"25%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;t=
ext-align:left;padding-bottom:5px;padding-top:5px;vertical-align:top"><tabl=
e class=3D"image_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-=
table-rspace:0"><tr><td class=3D"pad" style=3D"width:100%;padding-left:5px;=
padding-right:5px" align=3D"center"><div style=3D"max-width:140px"><a href=
=3D"https://clicks.kroo.com/f/a/2FCOX-O2gQ98q3hSXs9Ltw~~/AAAHahA~/lcrHOtvQ8=
DSOg0Jz2Hr5lF3TL43lXfEYG_u6cJ2NKfHGpUOBrrOac9J9Q6S7ks7CCp77kQhgzxmJAV6vKUAk=
NQD4OUcE311eF9icBrTk_tbWfmXDWQ8ZmUuB6-ALA348" target=3D"_blank"><img src=3D=
"https://cdn.braze.eu/appboy/communication/assets/image_assets/images/6a50b=
3eecd59d0008836d470/original.png=3F1783673838" style=3D"display:block;heigh=
t:auto;border:0;width:100%" width=3D"140" alt=3D"" title=3D"" height=3D"aut=
o"></a></div></td></tr></table></td>=0A<td class=3D"column column-3" width=
=3D"25%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;tex=
t-align:left;padding-bottom:5px;padding-top:5px;vertical-align:top"><table =
class=3D"image_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-ta=
ble-rspace:0"><tr><td class=3D"pad" style=3D"width:100%;padding-left:5px;pa=
dding-right:5px" align=3D"center"><div style=3D"max-width:140px"><a href=3D=
"https://clicks.kroo.com/f/a/1-00iT-E8p76MBnEJFIWfA~~/AAAHahA~/lcrHOtvQ8DSO=
g0Jz2Hr5lF3TL43lXfEYG_u6cJ2NKfHf_25D_JkQ_iHt9AfvOAztsgLNpl90BgY_5fVnCWzHRXj=
g2KaJTA36BGtUMuBMYNlgXZMzUBZKlpdr1_X5LnCI" target=3D"_blank"><img src=3D"ht=
tps://cdn.braze.eu/appboy/communication/assets/image_assets/images/6a50b3ee=
ea1ae90088b7ff6f/original.png=3F1783673838" style=3D"display:block;height:a=
uto;border:0;width:100%" width=3D"140" alt=3D"" title=3D"" height=3D"auto">=
</a></div></td></tr></table></td>=0A<td class=3D"column column-4" width=3D"=
25%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-al=
ign:left;padding-bottom:5px;padding-top:5px;vertical-align:top"><table clas=
s=3D"image_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-=
rspace:0"><tr><td class=3D"pad" style=3D"width:100%;padding-left:5px;paddin=
g-right:10px" align=3D"center"><div style=3D"max-width:135px"><a href=3D"ht=
tps://clicks.kroo.com/f/a/8V46OuZc-ZA-a8Eyw6wcNA~~/AAAHahA~/lcrHOtvQ8DSOg0J=
z2Hr5lBGlJyLe4id9qg9Xd4LttBLPqLCFqGptUOexw5xThnLKb8tEeiB44Vr4sXHUrGeyg3zvmJ=
Pg-OWmS_aK-SK3IIFqDWEyZ__O1skwsWqsJJn2" target=3D"_blank"><img src=3D"https=
://cdn.braze.eu/appboy/communication/assets/image_assets/images/6a50b3ee770=
06a0088744540/original.png=3F1783673838" style=3D"display:block;height:auto=
;border:0;width:100%" width=3D"135" alt=3D"" title=3D"" height=3D"auto"></a=
></div></td></tr></table></td>=0A</tr></tbody></table></td></tr></tbody></t=
able>=0A<table class=3D"row row-7" align=3D"center" width=3D"100%" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"m=
so-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-co=
ntent" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" ro=
le=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;backgrou=
nd-color:#ebe8e2;background-image:url(https://cdn.braze.eu/appboy/communica=
tion/assets/image_assets/images/6a5f6b321377a50088dfed44/original.png=3F178=
4638258);background-repeat:no-repeat;background-size:cover;color:#000;width=
:600px;margin:0 auto" width=3D"600"><tbody><tr>=0A<td class=3D"column colum=
n-1" width=3D"50%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weig=
ht:400;text-align:left;padding-bottom:5px;padding-right:10px;padding-top:30=
px;vertical-align:middle">=0A<table class=3D"image_block block-1" width=3D"=
100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation=
" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad" sty=
le=3D"width:100%;padding-bottom:10px;padding-left:15px;padding-right:15px" =
align=3D"center"><div style=3D"max-width:218px"><img src=3D"https://cdn.bra=
ze.eu/appboy/communication/assets/image_assets/images/6a549234f786fa008aca2=
dce/original.png=3F1783927347" style=3D"display:block;height:auto;border:0;=
width:100%" width=3D"218" alt=3D"" title=3D"" height=3D"auto"></div></td></=
tr></table>=0A<table class=3D"icons_block block-2" width=3D"100%" border=3D=
"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-=
table-lspace:0;mso-table-rspace:0;text-align:left;line-height:0"><tr><td cl=
ass=3D"pad" style=3D"vertical-align:middle;color:#101b24;font-family:inheri=
t;font-size:14px;font-weight:400;padding-top:10px;padding-bottom:10px;paddi=
ng-left:30px" align=3D"left"><table class=3D"icons-outer" cellpadding=3D"0"=
 cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-ta=
ble-rspace:0;display:inline-table"><tr>=0A<td style=3D"vertical-align:middl=
e;text-align:center;padding-top:5px;padding-bottom:5px;padding-left:5px;pad=
ding-right:10px">=0A<a href=3D"https://clicks.kroo.com/f/a/ujSZZacSTHqqfQHu=
vfauUw~~/AAAHahA~/v7E4tl1KEh9Xk9diiLkvcZyuILIeJI-nPpH2uQ6kPbgKaf6OXCAJIe6xd=
D8V4xroKdmS2rx85aBrOtA1dn9zqwGdqeBD9sHBYaMvNyEyVAfHrv2ChE_NmhJDrGmH00pKhgV2=
Se4Ks7F-o6c4Fb5o5g~~" target=3D"_blank" title=3D"" style=3D"text-decoration=
: none;"><img class=3D"icon" src=3D"https://cdn.braze.eu/appboy/communicati=
on/assets/image_assets/images/6a50b8d62592bc008870e303/original.png=3F17836=
75094" alt=3D"Facebook" height=3D"auto" width=3D"48" align=3D"center" style=
=3D"display:block;height:auto;margin:0 auto;border:0"></a>=0A</td>=0A<td st=
yle=3D"vertical-align:middle;text-align:center;padding-top:5px;padding-bott=
om:5px;padding-left:10px;padding-right:10px">=0A<a href=3D"https://clicks.k=
roo.com/f/a/N8tbgql4NvqtG0eBaSBxBA~~/AAAHahA~/NTCXVx2wBMkucy30ERF4S_8uXL6Cf=
mHT9E-e4O14qml9QS9beItnBxJQEEEuKZlm_ifFzJowcOIPsS13KIMhREcJHq-aFqPpjFivW38k=
sRpJULMYSkk-wq3_TxfzW7BqniFQ0nSrRF2tX2QBCoEeiQ~~" target=3D"_self" title=3D=
"" style=3D"text-decoration: none;"><img class=3D"icon" src=3D"https://cdn.=
braze.eu/appboy/communication/assets/image_assets/images/6a50b8d60f7b240089=
06333e/original.png=3F1783675094" alt=3D"Instagram" height=3D"auto" width=
=3D"48" align=3D"center" style=3D"display:block;height:auto;margin:0 auto;b=
order:0"></a>=0A</td>=0A<td style=3D"vertical-align:middle;text-align:cente=
r;padding-top:5px;padding-bottom:5px;padding-left:10px;padding-right:5px"><=
a href=3D"https://clicks.kroo.com/f/a/J-URAK2FyeELieOoeVPrCA~~/AAAHahA~/PjF=
sIoR7OmyPOSPxybix-J16wP6FqrtHEV-QgzM_l5kimBJM3UtPeiIbGBe6Jwra-71J8O_Icqmb9g=
-Up7czzpPzwHycKfqBCiDLd6ukI1qQCFKnUXi0LqDa8D4TZrCx4PG9Z6XIOFEiDULmD26jPyCM1=
o9w3f6ydFTofLVMT3w~" target=3D"_self" title=3D"" style=3D"text-decoration: =
none;"><img class=3D"icon" src=3D"https://cdn.braze.eu/appboy/communication=
/assets/image_assets/images/6a50b8d6c9cc31008892ab8e/original.png=3F1783675=
094" alt=3D"Linkedin" height=3D"auto" width=3D"48" align=3D"center" style=
=3D"display:block;height:auto;margin:0 auto;border:0">=0A</a></td>=0A</tr><=
/table></td></tr></table>=0A</td>=0A<td class=3D"column column-2" width=3D"=
25%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-al=
ign:left;padding-bottom:5px;padding-top:5px;vertical-align:middle"><table c=
lass=3D"image_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0"><tr><td class=3D"pad" style=3D"width:100%;padding-top:30px;pad=
ding-bottom:10px;padding-left:10px;padding-right:10px" align=3D"right"><div=
 style=3D"max-width:83px"><a href=3D"https://clicks.kroo.com/f/a/xJDS8EpfLf=
SnEtrSmsuMHg~~/AAAHahA~/cp7vJ_d0v6vkxwLAPr8aEyTYVCDdBEhLpyI-ojY-EL9hIO2-5xE=
GxzbWYKWWdNzsUJuvcmsJ3LcONSi-2zVHcPF-ifPNXc39CGobL2231GBB05KxtSXgCHWbaEWqV_=
B2QJyn1hTb2ulc_Jfx4YUNyA~~" target=3D"_blank"><img src=3D"https://cdn.braze=
.eu/appboy/communication/assets/image_assets/images/6a50b8d608103700888b5e=
7b/original.png=3F1783675094" style=3D"display:block;height:auto;border:0;w=
idth:100%" width=3D"83" alt=3D"" title=3D"" height=3D"auto"></a></div></td>=
</tr></table></td>=0A<td class=3D"column column-3" width=3D"25%" style=3D"m=
so-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:left;paddin=
g-bottom:5px;padding-right:20px;padding-top:5px;vertical-align:middle"><tab=
le class=3D"image_block block-1" width=3D"100%" border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso=
-table-rspace:0"><tr><td class=3D"pad" style=3D"width:100%;padding-top:30px=
;padding-bottom:10px;padding-left:10px;padding-right:10px" align=3D"left"><=
div style=3D"max-width:65px"><img src=3D"https://cdn.braze.eu/appboy/commun=
ication/assets/image_assets/images/6a50b8d6e1dfe700886e92e5/original.png=3F=
1783675094" style=3D"display:block;height:auto;border:0;width:100%" width=
=3D"65" alt=3D"" title=3D"" height=3D"auto"></div></td></tr></table></td>=
=0A</tr></tbody></table></td></tr></tbody></table>=0A<table class=3D"row ro=
w-8" align=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspa=
ce:0;background-color:#fff"><tbody><tr><td><table class=3D"row-content stac=
k" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;background=
-color:#fff;color:#000;width:600px;margin:0 auto" width=3D"600"><tbody><tr>=
<td class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;ms=
o-table-rspace:0;font-weight:400;text-align:left;padding-bottom:5px;padding=
-top:5px;vertical-align:top">=0A<div class=3D"spacer_block block-1" style=
=3D"height:20px;line-height:20px;font-size:1px">=E2=80=8A=0A</div>=0A<table=
 class=3D"paragraph_block block-2" width=3D"100%" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;=
mso-table-rspace:0;word-break:break-word"><tr><td class=3D"pad" style=3D"pa=
dding-top:10px;padding-bottom:10px;padding-left:16px;padding-right:16px"><d=
iv style=3D"color:#5c6165;direction:ltr;font-family:Inter,Arial,Sans-serif;=
font-size:10px;font-weight:400;letter-spacing:0;line-height:NaN;text-align:=
left;mso-line-height-alt:NaNpx"><p style=3D"margin:0">=0A<strong>=0A<table =
class=3D"kroo-footer" style=3D"width: 100%; text-align: center; font-family=
: 'Inter', sans-serif;">=0A=09<tbody>=0A=09=09<tr>=0A=09=09=09<td style=3D"=
color: rgb(157, 157, 157); font-size: 10px; line-height: 12px; padding-bott=
om: 20px; text-align: left; font-family: 'Inter', sans-serif; font-weight: =
400;">=0A<br>=0A=09=09=09<span style=3D"color:#000000; font-weight: 400;"><=
span style=3D"font-size:12px;">Please do not reply to this email, any respo=
nses will not be read. If you require any help, please contact help@kroo.co=
m or send us a message via the Help section in the app.<br>=0A=09=09=09<br>=
=0A=09=09=09Copyright =C2=A9 2026=C2=A0Kroo Bank <i>=C2=AE</i>, All rights =
reserved.<br>=0A=09=09=09<br>=0A=09=09=09This email is confidential and int=
ended for the addressee only. Please delete if that=E2=80=99s not you.=C2=
=A0<br>=0A=09=09=09<br>=0A=09=09=09Kroo Bank Ltd is a company registered in=
 England and Wales with company number 10359002. Registered office: 20 Farr=
ingdon St, London, EC4A 4AB, UK.</span></span><br>=0A=09=09=09<br>=0A=09=09=
=09<span style=3D"color:#000000; font-weight: 400;"><span style=3D"font-siz=
e:12px;">Kroo Bank Ltd is authorised by the Prudential Regulation Authority=
 (PRA) and regulated by the Financial Conduct Authority and the PRA (FRN 95=
3772).</span></span><br>=0A=09=09=09<br>=0A=09=09=09<span style=3D"font-siz=
e:12px; font-weight: 400;"><span style=3D"color:#000000;">This email was se=
nt by Kroo Bank. Not a fan of marketing communications=3F </span><a href=3D=
"https://clicks.kroo.com/f/a/_rhLfshQga_wpdtBaYP5WQ~~/AAAHahA~/YkUvucNdhJ7A=
ehe-vo4_Jlh9s_40fdlo7f986ylFl19VVA6tL9W2mxl1O5MMumP6y86PJ5uL_7HCkLHRN1PhoB7=
P2zf1zEOM5wBDr3H4n03iqpYluPV7pMU8sDYy6qkGQ7DEGXPr01n887gY9QKlbylZjZ8w94EEc7=
MIwWnOegkTxP2xv7oWIslHntYcXgwqzmMQ3W10uN8GE-x2YcOZYjtrSl6QndK0QWijERPEYOtHj=
ru45XtMkZUb6XSaloVRJRP-vUgb6FlxjCg8ElygrdlSG1qywsUwIbuA-hZmI9YegNKhDGa4pLy3=
gk_-wNMbTISJOTUvUc0mswReSXTHKvi-UeINtGj5fKCRiPcBuKyKgoziLyq01qzIYxZRdrmJSss=
BeGLhNkP0bvT4V1N0jYHhuVLtZ9TXZxZUqg6Aa9KdoLTfeQfMPS6fjKah4rMhbWev5xx6dvBWTt=
PpiF5H4K9a7RaP_Pna0g0-IxSUOZ1lfCmFd80_-WIsp2ojOp5glLuR3KF2lh7lTs8UulOA6EBBN=
Si4oimxFnBYsSPXNx4APQTbrUTLEgzkDuiFO0RCD14T8RYWiKcliCjojrSHWSWBrgJE8XpP5tlm=
f-E43ddRKARiKs0kHwsLn7WnD6kuDRHr6IQy59QLm6muru_hmA~~" style=3D"color: #9D9D=
9D; font-weight: 400;"><span style=3D"color:#000000;">Unsubscribe</span></a=
>=C2=A0</span>=0A</td>=0A=09=09</tr>=0A=09</tbody>=0A</table>=0A</strong></=
p></div></td></tr></table>=0A</td></tr></tbody></table></td></tr></tbody></=
table>=0A</td></tr></tbody></table>=0A<!-- End -->=0A=0D=0A<img border=3D"0=
" width=3D"1" height=3D"1" alt=3D"" src=3D"https://clicks.kroo.com/q/L-LfH9=
UYE-QQ2gWmgc3V2A~~/AAAHahA~/DSvdhFKT13APLk6TAKvr4rysBY3YdAskXqv3VIzNy5ARKDD=
ExCKItch9F1dx2-5Swn5aUy3UqsasbEMpPU25IA~~">=0D=0A</body>=0A</html>
--_----ZEFwcMBAKsm/C217n9/U6g===_23/86-22909-FC1B17A6--