<DATE>

<CUSTOMER NAME><CUSTOMER ADDRESS>

Dear <CUSTOMER NAME>,

After **** visited the bank today I began looking at his account and realized that if you switched to one of our new KANZA Rewards accounts, you would actually save and earn more money on your current balances than you are now! The Rewards account earns 4.00% interest on balances up to $25,000. Your online bill pay (which you current pay for) would be free to you and you could get all your foreign ATM transaction fees reimbursed to you!

In addition, you already meet two of the three qualifiers (one automatic withdrawal in a statement cycle and twelve debit card purchases). The only new requirement would be signing up for and receiving e-statements (electronic statements). Our e-statement program sends you an email notification when you statement is ready and you can access your monthly statement from our website. It also has a printer friendly version, so if you like your paper statement, you may print it off at home.

If you are interested in signing up for this account please contact me! I have enclosed more information for you on our new KANZA Rewards account. We don’t even have to change your account number! All it will take is a phone call from you authorizing a switch to our new account!

Thank you,

Ashley V. TwymanCustomer Service Representative