Dear [First_Name],

We want to take this opportunity to thank you for being a part of our financial family here at
XYZ Financial. As a member of our family, we would like to invite you to take full advantage
of all the great benefits we have to offer with our XYZ Financial Credit Cards.

All of our credit card programs give you these great benefits:

 Great Low Rates, starting as low as X.XX% APR.*

 No Annual Fee.
 Convenient access to your account information online or through our mobile app.
 Peace of mind that you are protected from unauthorized use of your card, online or in
person.
 SMS fraud alerts and payment notifications to help you keep track of your account.
 FREE FICO Score notification online.
 Optional balance transfers to consolidate higher-rate debt.
 Easy cash advance option.
 Free travel and retail purchase protection.

We offer several different types of credit cards to meet the various needs of our financial
family. From rewards cards, to balance transfers, to cards that help you build your credit, we
have options that give you the tools you need to take charge of your credit.

If you don’t have an XYZ Financial Credit Card, you can apply today. Just call us at
800.555.5555, apply online at www.xyzfinancial.com, or visit any of our convenient branch
locations.

Respectfully,

[Banker_Full_Name]

[Banker_Title]