Dear <FIRSTNAME><SURNAME>

Do you need access to emergency money, but don’t want to pay for it if you don’t use it?

• An Overdraft from FNB gives you immediate access to cash in your account to use
  when you need do.
• It’s free on take up. This means, if you don’t use the facility, it doesn’t cost you a cent!
• There is no need for you to wait for funds to clear or cards to arrive.
• A flat monthly fee of only R27.00 is payable if you use the facility.
• Plus, FNB will settle a portion of your Overdraft in case of death or disability,
  up to an amount of R2 000.

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