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File: D:/hMailServer/Data/hyperflight.co.uk/neil/09/{098C7727-8512-4146-8825-8AA50C8F6AC3}.eml
Date: Thu, 30 Jul 2026 10:34:57 +0100
From: Allica Bank <rewards@allica.bank>
Reply-To: no-reply@allica.bank
To: neil@hyperflight.co.uk
Message-ID: <1785404094031.46034ee6-70c5-4f85-b35e-90a7da3a86fe@bf10x.hubspotemail.net>
Subject: =?utf-8?Q?Three_ways_established_businesses_use_t?=
 =?utf-8?Q?heir_overdraft_(and_one_way_they_don't)=C2=A0?=
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An overdraft could help you reach the next level

=E2=93=98 Click here (https://www.allica.bank/e3t/Ctc/5D+113/cQP1X04/VVWfCb=
8qHCgwW4VQkcF67b3HFW9h8NV35S55_RN2VVBzK5jGjMW69t95C6lZ3mmW3v6LVH6lZFn6W3rPg=
Dm66Q8H0W7pryYP1SH9dxW6BN2Z5796JzdW3vxMB14r3YDqW5wzWnv4ClMCbM9QrhNsZsh3W706=
Vns2yGx-qN2w1n2kYmMDHW1MH4bW6KRXRRW3rDhkt20NT5PW1ZXd9S3KkQvsN14Wfdr_zW1_W71=
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 ) for a web version. Remember to add Allica Bank to your safe senders list=
.

Allica-Bank-Primary-Logo (https://www.allica.bank/e3t/Ctc/5D+113/cQP1X04/VV=
WfCb8qHCgwW4VQkcF67b3HFW9h8NV35S55_RN2VVBzq3l5QzW5BW0B06lZ3lTN3VzPkWR_t7zN3=
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vdWfH2m-Nt1W1s0_R97m2JBFW3MFxTM73XSMJW7kfK2w8YqhXCW1zxBTW8Cvql4d8_0d004 )

Hello Neil,

As you know, we emailed you recently about our business overdraft =E2=80=93=
 and we thought it=E2=80=99d be worth getting into whether it=E2=80=99s wor=
th the cost.

So let's put some numbers to it.

A quick cost example

Say you use =C2=A350,000 for 14 days to bridge a gap while waiting for a cl=
ient payment to land. At our current rate, that would cost around =C2=A3200=
1 in interest =E2=80=93 less than a team lunch. And when the payment arrive=
s, the overdraft clears itself.

Use our overdraft cost calculator to see how it could look for you2  (https=
://www.allica.bank/e3t/Ctc/5D+113/cQP1X04/VVWfCb8qHCgwW4VQkcF67b3HFW9h8NV35=
S55_RN2VVBzq3l5QzW5BW0B06lZ3n_W6mBXBv9kmXl5W4wvWs2779dKWW4wVPlQ2jKxJbW5gp4c=
Q94RPrRW6wZBFg6BqWfCW12wLJ58kV18_N6kKjk1NwfJJN3dncYlJqCk6W32Xqly3bz856W2h2s=
fy3MTPbdW7LbRlh2nvWm-W5Q3gWY7HDmNlW72N4y_8SGMH6W7NWM7-6K302YW73bM4G2kZhsNW2=
8n16-7WgR3XW3rJ0m48PxMGvW92tm7468kkqpf5G1pHd04 )

Three ways businesses like yours use it

1. Bridging invoice gaps

A client owes you =C2=A380,000 =E2=80=93 payment is coming in 45 days. But =
you need to pay suppliers this week. An overdraft means you don't have to c=
hoose between paying that supplier and keeping operations running.

2. Capturing growth opportunities

A larger contract comes in that needs upfront resource =E2=80=93 people, ma=
terials, tooling. Revenue will follow, but it's 60 days away. An overdraft =
funds the gap without forcing you to take on a loan you'll be repaying for =
12 months.

3. Managing seasonal patterns

If your business has a quieter quarter, an overdraft means you keep pace wi=
th costs and don't have to make difficult team decisions just because of a =
predictable dip.

No monthly cost unless you use it. No fixed repayments. Up to =C2=A32 milli=
on.

If you'd like to talk through whether this fits your business, your relatio=
nship manager is on hand =E2=80=93 or you can start an application in a few=
 minutes online.

Apply for a business overdraft2  (https://www.allica.bank/e3t/Ctc/5D+113/cQ=
P1X04/VVWfCb8qHCgwW4VQkcF67b3HFW9h8NV35S55_RN2VVBzq3l5QzW5BW0B06lZ3n_W6mBXB=
v9kmXl5W4wvWs2779dKWW4wVPlQ2jKxJbW5gp4cQ94RPrRW6wZBFg6BqWfCW12wLJ58kV18_N6k=
Kjk1NwfJJN3dncYlJqCk6W32Xqly3bz856W2h2sfy3MTPbdW7LbRlh2nvWm-W5Q3gWY7HDmNlW7=
2N4y_8SGMH6W7NWM7-6K302YW73bM4G2kZhsNW28n16-7WgR3XW3rJ0m48PxMGvW92tm7468kkq=
pf5G1pHd04 )

Thanks,

The Allica Bank team

1=C2=A3201.37 is an illustrative estimate based on a =C2=A350,000 overdraft=
 used for 14 days at the current interest rate. Actual costs will vary. Int=
erest is charged monthly on the amount used. A 1.5% arrangement fee (=C2=A3=
750 in this example) also applies. Overdrafts are subject to application, s=
tatus, lending criteria and are repayable on demand.

2All lending is subject to status, our lending criteria, and a satisfactory=
 credit assessment.=E2=80=AFTerms and conditions (https://www.allica.bank/e=
3t/Ctc/5D+113/cQP1X04/VVWfCb8qHCgwW4VQkcF67b3HFW9h8NV35S55_RN2VVBBW3l5QzW8w=
LKSR6lZ3pTW60cBtC4WtcQ2W86R-R-27Y0BPVthX2Z7VbyRmW4sKPMP4fhx6WN23wcz55kT1DN2=
gYxWlX24xFW442xTp2-BbvFN6XP-rsp6TrjW35zVmC8B3nCsVqMrg67lcxndW9hqwFW2QxtPtW2=
XrRgZ3LyxDtW2xnCMK4QsdBBW4mZfGd8sTRs4W6zWbwj5gjBZQN4vH4l4DnX-xV7GX4564NxtvW=
7ddChp3YM94TW4FZGdG5wJ4R0W6Kp9sh6dn3Y_W2qQmWF8yMmj0W7Fx76-5ZBx9ZW87sddg4P0v=
lqW19LXpt62gRPGW98HNLz8tKkgYN57njlP7j061W1RM6Kq5fypGQW8Kc_2g5d-kF5dXQcvC04 =
) =E2=80=AFapply.

Logomark - hat (https://www.allica.bank/e3t/Ctc/5D+113/cQP1X04/VVWfCb8qHCgw=
W4VQkcF67b3HFW9h8NV35S55_RN2VVBzq3l5QzW5BW0B06lZ3lTN3VzPkWR_t7zN3mSWQTpptFJ=
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V7sgc88yRfhGW5pTgLN93LLBXVFxs1t1W8hTxW78KsD-2T6nt7W4WcsQ65RLygNW7vdWfH2m-Nt=
1W1s0_R97m2JBFW3MFxTM73XSMJW7kfK2w8YqhXCW1zxBTW8Cvql4d8_0d004 )

Allica Bank Limited is authorised by the Prudential Regulation Authority an=
d regulated by the Financial Conduct Authority and the Prudential Regulatio=
n Authority (FRN: 821851). 4th/5th Floor, 15 Worship Street, London, EC2A 2=
DT. Registered in England and Wales with company number 07706156.

Allica Bank savings accounts and business current account products are regu=
lated by the Financial Conduct Authority and the Prudential Regulation Auth=
ority. Allica Bank lending products are not regulated products. Registered =
in England and Wales with company number 07706156.

Copyright =C2=A9 2026 Allica Bank Limited

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=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=
=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=
=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=
=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=
=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=
=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=
=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=
=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD &nbsp;
</div>
   =20
<!--[if gte mso 9]>
<v:background xmlns:v=3D"urn:schemas-microsoft-com:vml" fill=3D"t">
    <v:fill type=3D"tile" size=3D"100%,100%" color=3D"#ffffff"/>
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    <div class=3D"hse-body-background" lang=3D"en" style=3D"background-colo=
r:#eeeeee" bgcolor=3D"#eeeeee">
      <table role=3D"presentation" class=3D"hse-body-wrapper-table" cellpad=
ding=3D"0" cellspacing=3D"0" style=3D"margin:0; padding:0; width:100% !impo=
rtant; min-width:320px !important; height:100% !important" width=3D"100%" h=
eight=3D"100%">
        <tbody><tr>
          <td class=3D"hse-body-wrapper-td" valign=3D"top" style=3D"font-fa=
mily:Arial, sans-serif; font-size:15px; color:#1a3760; word-break:break-wor=
d; padding-top:20px; padding-bottom:20px">
            <div id=3D"hs_cos_wrapper_main" class=3D"hs_cos_wrapper hs_cos_=
wrapper_widget hs_cos_wrapper_type_dnd_area" style=3D"color: inherit; font-=
size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" d=
ata-hs-cos-type=3D"dnd_area">  <div id=3D"section-0" class=3D"hse-section h=
se-section-first" style=3D"padding-left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#f5f0e9" bgcolor=3D"#f5f0e9">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#f5f0e9">
      <tr style=3D"background-color:#f5f0e9;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:600px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column-0-0" class=3D"hse-column hse-size-12">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Arial, sans-serif; font-size:15px; color:#1a3760; word-break:b=
reak-word; padding:16px"><div id=3D"hs_cos_wrapper_module-0-0-0" class=3D"h=
s_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style=3D"co=
lor: inherit; font-size: inherit; line-height: inherit;" data-hs-cos-genera=
l-type=3D"widget" data-hs-cos-type=3D"module"><div style=3D"overflow:hidden=
">
  <table role=3D"presentation" class=3D"hse-pre-header hse-secondary" width=
=3D"100%" cellpadding=3D"0" cellspacing=3D"0" style=3D"text-align:right; fo=
nt-family:Arial, sans-serif; font-size:12px; line-height:135%; color:#23496=
d; margin-bottom:0; padding:0" align=3D"right">
    <tbody>
      <tr>
        <td style=3D"font-family:Arial, sans-serif; font-size:15px; color:#=
1a3760; word-break:break-word">
          <h2 style=3D"margin:0; font-size:10px; line-height:175%; font-wei=
ght:normal; text-align:left" align=3D"left"><span style=3D"color: #1a3660; =
font-family: Arial, sans-serif;"><span style=3D"font-weight: bold;">=E2=93=
=98 </span></span><span style=3D"color: #1a3660; font-family: Arial, sans-s=
erif;"><span style=3D"color: #00204e;"><span style=3D"color: #1a3660;"><a h=
ref=3D"https://www.allica.bank/e3t/Ctc/5D+113/cQP1X04/VVWfCb8qHCgwW4VQkcF67=
b3HFW9h8NV35S55_RN2VVBzK5kvg8W69t95C6lZ3nHN2wq661bDB44W1LK-7q1kJFnsW1SK2xx1=
tTGh4W8zpVr39gnKCXW7RzvxZ1pm_XzW4xlw8Y2hYfwLN5FR6WJNQddQW4sc3Hp11FKBZW6_frw=
b738Fm1W8KQptN3YtvvDW6vx0n47pP7pGW2xbQ2w7dw06SW1z2FWg3mvzXSN65nRVYcn4qxW5P9=
PcV48BTJ0W2PxbXT3DsP7NW5558ZP3QWzrbN8hvJ_XVK3QQW4jv8SF2hCjc0W6lVNq68BJ-0XW3=
MbFys7MPZ9SVW37751GJQC4W1mKlKH586F9VW2HK8nl65lNTBW70lvmN5WbnvjW4lqzRb2Wp-MT=
W8lp4DD2tp5p5W4c-mRk3_Bfq5W678g8q3cbnT7VSsB--7w5j91W99BdYn4NwhY8W17mghZ7MtZ=
dKW5xGZG-4wzHt8W1RzV841WrBkbW6Sg5F38gL35bN2n1_T1G5QJjf7lYXjd04" style=3D"co=
lor:#1a3660; font-weight:bold" rel=3D"noopener" data-hs-link-id=3D"0" data-=
hs-link-id-v2=3D"XrbhKGya" target=3D"_blank">Click here</a> </span></span><=
/span><span style=3D"color: #1a3660; font-family: Arial, sans-serif;">for a=
 web version. Remember to add Allica Bank to your safe senders list.</span>=
</h2>
        </td>
      </tr>
    </tbody>
  </table>
</div></div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section-1" class=3D"hse-section" style=3D"padding-left:10px; p=
adding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#fdfcfb" bgcolor=3D"#fdfcfb">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#fdfcfb">
      <tr style=3D"background-color:#fdfcfb;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:600px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column-1-0" class=3D"hse-column hse-size-12">
  <div id=3D"hs_cos_wrapper_module-1-0-0" class=3D"hs_cos_wrapper hs_cos_wr=
apper_widget hs_cos_wrapper_type_module" style=3D"color: inherit; font-size=
: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" data-=
hs-cos-type=3D"module"><table class=3D"hse-image-wrapper" role=3D"presentat=
ion" width=3D"100%" cellpadding=3D"0" cellspacing=3D"0">
  <tbody>
    <tr>
      <td class=3D"hs_padded" align=3D"center" valign=3D"top" style=3D"font=
-family:Arial, sans-serif; color:#1a3760; word-break:break-word; text-align=
:center; padding:35px 20px 30px; font-size:0px">
        <a href=3D"https://www.allica.bank/e3t/Ctc/5D+113/cQP1X04/VVWfCb8qH=
CgwW4VQkcF67b3HFW9h8NV35S55_RN2VVBzK3lYM-W69sMD-6lZ3mDW15KzHw1w0zMyW10hWWk7=
rcqWWW6Y6dk48pgDZDW9jXzJq98CDnzMZtTfkRN-PrN2FdTXyY2Fv7W31TcTr1rxz0qW6ckCb94=
mmZr2W5-_h-c6P_dMlW6XN3rT67T9pCVT49Wk4TRhpcW8gkMLS4nq8YtW3yV0bL8LvmWWVy3WL3=
1_CyQDW39cxdn8KSSkcW35Vqdv5NhKpnW5wvw7p83slbMW4pWyHf3rxf6FN92vTFPwdTW6N4JnB=
CBLDlM4f31bShF04" target=3D"_blank" style=3D"color:#00a4bd" data-hs-link-id=
=3D"0" data-hs-link-id-v2=3D"SR1SFAeU">
        <img alt=3D"Allica-Bank-Primary-Logo" src=3D"https://www.allica.ban=
k/hs-fs/hubfs/Allica-Bank-Primary-Logo.png?width=3D360&amp;upscale=3Dtrue&a=
mp;name=3DAllica-Bank-Primary-Logo.png" style=3D"outline:none; text-decorat=
ion:none; border:none; max-width:100%; font-size:16px" width=3D"180" align=
=3D"middle">
        </a>
      </td>
    </tr>
  </tbody>
</table></div>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section-2" class=3D"hse-section" style=3D"padding-left:10px; p=
adding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#fdfcfb" bgcolor=3D"#fdfcfb">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#fdfcfb">
      <tr style=3D"background-color:#fdfcfb;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:600px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column-2-0" class=3D"hse-column hse-size-12">
  <div id=3D"hs_cos_wrapper_module-2-0-0" class=3D"hs_cos_wrapper hs_cos_wr=
apper_widget hs_cos_wrapper_type_module" style=3D"color: inherit; font-size=
: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" data-=
hs-cos-type=3D"module"><table class=3D"hse-image-wrapper" role=3D"presentat=
ion" width=3D"100%" cellpadding=3D"0" cellspacing=3D"0">
  <tbody>
    <tr>
      <td class=3D"hs_padded" align=3D"center" valign=3D"top" style=3D"font=
-family:Arial, sans-serif; color:#1a3760; word-break:break-word; text-align=
:center; padding:10px 20px 30px; font-size:0px">
        <img alt=3D"Email Hero Banner =E2=80=A2 Template-2-Jul-22-2026-01-1=
7-42-6167-PM" src=3D"https://www.allica.bank/hs-fs/hubfs/Email%20Hero%20Ban=
ner%20%E2%80%A2%20Template-2-Jul-22-2026-01-17-42-6167-PM.png?width=3D1120&=
amp;upscale=3Dtrue&amp;name=3DEmail%20Hero%20Banner%20%E2%80%A2%20Template-=
2-Jul-22-2026-01-17-42-6167-PM.png" style=3D"outline:none; text-decoration:=
none; max-width:100%; font-size:16px" width=3D"560" align=3D"middle">
      </td>
    </tr>
  </tbody>
</table></div>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section-3" class=3D"hse-section" style=3D"padding-left:10px; p=
adding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#fdfcfb" bgcolor=3D"#fdfcfb">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#fdfcfb">
      <tr style=3D"background-color:#fdfcfb;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:600px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column-3-0" class=3D"hse-column hse-size-12">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Arial, sans-serif; font-size:15px; color:#1a3760; word-break:b=
reak-word; padding:10px 40px 5px"><div id=3D"hs_cos_wrapper_module_17804850=
728581" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_m=
odule" style=3D"color: inherit; font-size: inherit; line-height: inherit;" =
data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=3D"=
hs_cos_wrapper_module_17804850728581_" class=3D"hs_cos_wrapper hs_cos_wrapp=
er_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-size=
: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" data-=
hs-cos-type=3D"rich_text"><h2 style=3D"margin:0; color:#00204e; font-size:1=
5px; line-height:175%; text-align:left; font-weight:normal" align=3D"left">=
<span style=3D"color: #00204e; font-family: Arial, sans-serif;">Hello Neil,=
<br></span></h2>
<h2 style=3D"margin:0; color:#00204e; font-size:15px; line-height:175%; tex=
t-align:left; font-weight:normal" align=3D"left"><span style=3D"color: #002=
04e;">&nbsp;</span></h2>
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)"><span style=3D"=
color: #00204e;"> </span>
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)"><span style=3D"=
color: #00204e;"> </span>
<p style=3D"line-height:175%; color:#222222"><span style=3D"color: #00204e;=
"><span style=3D"line-height: 17.266667px;">As you know, we emailed you rec=
ently about our business overdraft =E2=80=93 and we thought it=E2=80=99d be=
 worth getting into whether it=E2=80=99s worth the cost.</span><span style=
=3D"line-height: 17.266667px; background-color: var(--clrselection,#c6c6c6)=
;"> </span></span></p>
<span style=3D"color: #00204e;"> </span></div>
<span style=3D"color: #00204e;"> </span>
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)"><span style=3D"=
color: #00204e;"> </span>
<p style=3D"line-height:175%; color:#222222">&nbsp;</p>
<p style=3D"line-height:175%; color:#222222"><span style=3D"color: #00204e;=
"><strong><span style=3D"line-height: 17.266667px;">So let's put some numbe=
rs to it.</span></strong></span></p>
</div>
</div></div></div></td></tr></tbody></table>
  <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=3D=
"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D"fo=
nt-family:Arial, sans-serif; font-size:15px; color:#1a3760; word-break:brea=
k-word; padding:15px"><div id=3D"hs_cos_wrapper_module_17827284064391" clas=
s=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style=
=3D"color: inherit; font-size: inherit; line-height: inherit;" data-hs-cos-=
general-type=3D"widget" data-hs-cos-type=3D"module"><table role=3D"none" bo=
rder=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"vertical-align:top"=
 width=3D"100%">
  <tbody><tr>
    <td align=3D"center" style=3D"font-family:Arial, sans-serif; color:#1a3=
760; font-size:0; word-break:break-word">
      <p style=3D"font-size:1px;border-top:1px solid #e0dbd4;width:100%;mar=
gin:0 auto;"></p>
      <!--[if mso]>
        <table role=3D"none" align=3D"center" border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" style=3D"font-size:1px;border-top:1px solid #e0dbd4;wid=
th:570px;">
          <tr>
            <td style=3D"height:0;line-height:0">&nbsp;</td>
          </tr>
        </table>
      <![endif]-->
    </td>
  </tr>
</tbody></table></div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section_17827281592143" class=3D"hse-section" style=3D"padding=
-left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#fdfcfb; padding-bottom:16px; pad=
ding-top:16px" bgcolor=3D"#fdfcfb">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#fdfcfb">
      <tr style=3D"background-color:#fdfcfb;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:600px;padding-bottom:16px; padding-top:=
16px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column-1782728159214-0" class=3D"hse-column hse-size-12">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Arial, sans-serif; font-size:15px; color:#1a3760; word-break:b=
reak-word; padding:10px 24px"><div id=3D"hs_cos_wrapper_module_178272815921=
42" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_modul=
e" style=3D"color: inherit; font-size: inherit; line-height: inherit;" data=
-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=3D"hs_c=
os_wrapper_module_17827281592142_" class=3D"hs_cos_wrapper hs_cos_wrapper_w=
idget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-size: in=
herit; line-height: inherit;" data-hs-cos-general-type=3D"widget" data-hs-c=
os-type=3D"rich_text"><div style=3D"line-height:175%; background-color:#faf=
8f4; padding:35px 24px 35px 24px; border-radius:20px 20px 20px 20px; text-a=
lign:center; max-width:800px; margin:0 auto" bgcolor=3D"#faf8f4" align=3D"c=
enter">
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)">
<p style=3D"color:#222222; font-size:18px; line-height:175%; text-align:lef=
t" align=3D"left"><span style=3D"color: #00204e;"><strong>A quick cost exam=
ple</strong><span style=3D"background-color: var(--clrselection,#c6c6c6);">=
 </span></span></p>
<p style=3D"color:#222222; text-align:center; font-size:9px; line-height:17=
5%" align=3D"center">&nbsp;</p>
<span style=3D"color: #00204e;"> </span></div>
<span style=3D"color: #00204e;"> </span>
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)"><span style=3D"=
color: #00204e;"> </span>
<p style=3D"line-height:175%; color:#222222; text-align:left" align=3D"left=
"><span style=3D"color: #00204e; line-height: 17.266667px;">Say you use =C2=
=A350,000 for 14 days to <span style=3D"font-weight: bold;">bridge a gap wh=
ile waiting for a client payment to land. </span>At our current rate, that =
would cost around =C2=A3200<sup>1</sup>&nbsp;in interest =E2=80=93 <span st=
yle=3D"font-weight: bold;">less than a team lunch.</span> And when the paym=
ent arrives, the overdraft clears itself.</span></p>
</div>
<ul style=3D"line-height:175%; list-style-type:disc; text-align:left" align=
=3D"left"></ul>
<ul style=3D"line-height:175%; list-style-type:disc; text-align:left" align=
=3D"left"></ul>
<span style=3D"font-size: 16px; font-family: Arial, sans-serif;"><a href=3D=
"https://www.allica.bank/e3t/Ctc/5D+113/cQP1X04/VVWfCb8qHCgwW4VQkcF67b3HFW9=
h8NV35S55_RN2VVBzK3lYM-W69sMD-6lZ3lnW1cgmYX8jFtQHW2sHtf13-QhZ_N8HS81J7HvwtV=
KsV7s670B2fW2xLmdJ34JpDLN17rdZPMLXsfW7dkmcR7gG_VPW3c2lZQ9b29k-V6GWpC1BDFDSW=
5C7pxR7M50y9VwZs1z4MDPKBW6Sdzs-5-BP_pW9dzgyl4GRB2pW7FWXGJ5qjptpW31XFVC88SZ6=
lW6rzJKh4K4gVPW5Tf20T14rkscN97qK-6y0-09W6mmQTb3PZvwPMfLq-QvncfQdg1Tgx04" st=
yle=3D"display:inline-block; background-color:#00204e; color:#ffffff; text-=
decoration:none; padding:8px 45px; border-radius:60px; font-weight:bold" re=
l=3D"noopener" bgcolor=3D"#00204e" data-hs-link-id=3D"0" data-hs-link-id-v2=
=3D"p1qo1y74" target=3D"_blank">Use our overdraft cost calculator to see ho=
w it could look for you<sup>2&nbsp;</sup></a></span></div></div></div></td>=
</tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section_1773072924127" class=3D"hse-section" style=3D"padding-=
left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#fdfcfb" bgcolor=3D"#fdfcfb">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#fdfcfb">
      <tr style=3D"background-color:#fdfcfb;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:600px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column_1773072924127_0" class=3D"hse-column hse-size-12">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Arial, sans-serif; font-size:15px; color:#1a3760; word-break:b=
reak-word; padding:15px"><div id=3D"hs_cos_wrapper_module_17827425225462" c=
lass=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" st=
yle=3D"color: inherit; font-size: inherit; line-height: inherit;" data-hs-c=
os-general-type=3D"widget" data-hs-cos-type=3D"module"><table role=3D"none"=
 border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"vertical-align:t=
op" width=3D"100%">
  <tbody><tr>
    <td align=3D"center" style=3D"font-family:Arial, sans-serif; color:#1a3=
760; font-size:0; word-break:break-word">
      <p style=3D"font-size:1px;border-top:1px solid #e0dbd4;width:100%;mar=
gin:0 auto;"></p>
      <!--[if mso]>
        <table role=3D"none" align=3D"center" border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" style=3D"font-size:1px;border-top:1px solid #e0dbd4;wid=
th:570px;">
          <tr>
            <td style=3D"height:0;line-height:0">&nbsp;</td>
          </tr>
        </table>
      <![endif]-->
    </td>
  </tr>
</tbody></table></div></td></tr></tbody></table>
  <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=3D=
"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D"fo=
nt-family:Arial, sans-serif; font-size:15px; color:#1a3760; word-break:brea=
k-word; padding:10px 40px 5px"><div id=3D"hs_cos_wrapper_module_17847143283=
711" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_modu=
le" style=3D"color: inherit; font-size: inherit; line-height: inherit;" dat=
a-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=3D"hs_=
cos_wrapper_module_17847143283711_" class=3D"hs_cos_wrapper hs_cos_wrapper_=
widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-size: i=
nherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" data-hs-=
cos-type=3D"rich_text"><div style=3D"line-height:175%; color:rgba(0, 0, 0, =
0.847)">
<p style=3D"line-height:175%; color:#222222"><span style=3D"color: #00204e;=
"><strong><span style=3D"line-height: 17.266667px;">Three ways businesses l=
ike yours use it</span></strong><span style=3D"line-height: 17.266667px; ba=
ckground-color: var(--clrselection,#c6c6c6);"> </span></span></p>
</div>
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)">
<p style=3D"line-height:175%; color:#222222">&nbsp;</p>
<p style=3D"line-height:175%; color:#222222"><span style=3D"color: #00204e;=
"><strong><span style=3D"line-height: 17.266667px;">1. Bridging invoice gap=
s</span></strong><span style=3D"line-height: 17.266667px; background-color:=
 var(--clrselection,#c6c6c6);"> </span></span></p>
</div>
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)">
<p style=3D"line-height:175%; color:#222222"><span style=3D"color: #00204e;=
"><span style=3D"line-height: 17.266667px;">A client owes you =C2=A380,000 =
=E2=80=93 payment is coming in 45 days. But you need to pay suppliers this =
week. An overdraft means you don't have to choose between paying that suppl=
ier and keeping operations running.</span><span style=3D"line-height: 17.26=
6667px; background-color: var(--clrselection,#c6c6c6);"> </span></span></p>
</div>
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)">
<p style=3D"line-height:175%; color:#222222">&nbsp;</p>
<p style=3D"line-height:175%; color:#222222"><span style=3D"color: #00204e;=
"><strong><span style=3D"line-height: 17.266667px;">2. Capturing growth opp=
ortunities</span></strong><span style=3D"line-height: 17.266667px; backgrou=
nd-color: var(--clrselection,#c6c6c6);"> </span></span></p>
</div>
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)">
<p style=3D"line-height:175%; color:#222222"><span style=3D"color: #00204e;=
"><span style=3D"line-height: 17.266667px;">A larger contract comes in that=
 needs upfront resource =E2=80=93 people, materials, tooling. Revenue will =
follow, but it's 60 days away. An overdraft funds the gap without forcing y=
ou to take on a loan you'll be repaying for 12 months.</span><span style=3D=
"line-height: 17.266667px; background-color: var(--clrselection,#c6c6c6);">=
 </span></span></p>
</div>
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)">
<p style=3D"line-height:175%; color:#222222">&nbsp;</p>
<p style=3D"line-height:175%; color:#222222"><span style=3D"color: #00204e;=
"><strong><span style=3D"line-height: 17.266667px;">3. Managing seasonal pa=
tterns</span></strong><span style=3D"line-height: 17.266667px; background-c=
olor: var(--clrselection,#c6c6c6);"> </span></span></p>
</div>
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)">
<p style=3D"line-height:175%; color:#222222"><span style=3D"color: #00204e;=
"><span style=3D"line-height: 17.266667px;">If your business has a quieter =
quarter, an overdraft means you keep pace with costs and don't have to make=
 difficult team decisions just because of a predictable dip.</span></span><=
/p>
</div></div></div></td></tr></tbody></table>
<!--[if !mso]><!-->  <table role=3D"presentation" cellpadding=3D"0" cellspa=
cing=3D"0" width=3D"100%" class=3D"hs-hd" style=3D"display:none"><tbody><tr=
><td class=3D"hs_padded" style=3D"font-family:Arial, sans-serif; font-size:=
15px; color:#1a3760; word-break:break-word; padding:15px"><div id=3D"hs_cos=
_wrapper_module_17827425189301" class=3D"hs_cos_wrapper hs_cos_wrapper_widg=
et hs_cos_wrapper_type_module" style=3D"color: inherit; font-size: inherit;=
 line-height: inherit" data-hs-cos-general-type=3D"widget" data-hs-cos-type=
=3D"module"><table role=3D"none" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"vertical-align:top" width=3D"100%">
  <tbody><tr>
    <td align=3D"center" style=3D"font-family:Arial, sans-serif; color:#1a3=
760; font-size:0; word-break:break-word">
      <p style=3D"font-size:1px;border-top:1px solid #e0dbd4;width:100%;mar=
gin:0 auto"></p>
     =20
    </td>
  </tr>
</tbody></table></div></td></tr></tbody></table><!--<![endif]-->
  <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=3D=
"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D"fo=
nt-family:Arial, sans-serif; font-size:15px; color:#1a3760; word-break:brea=
k-word; padding:10px 24px"><div id=3D"hs_cos_wrapper_module_17847265959214"=
 class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" =
style=3D"color: inherit; font-size: inherit; line-height: inherit;" data-hs=
-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=3D"hs_cos_=
wrapper_module_17847265959214_" class=3D"hs_cos_wrapper hs_cos_wrapper_widg=
et hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-size: inher=
it; line-height: inherit;" data-hs-cos-general-type=3D"widget" data-hs-cos-=
type=3D"rich_text"><div style=3D"line-height:175%; background-color:#faf8f4=
; padding:35px 24px 35px 24px; border-radius:20px 20px 20px 20px; text-alig=
n:center; max-width:800px; margin:0 auto" bgcolor=3D"#faf8f4" align=3D"cent=
er">
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)">
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)">
<p style=3D"line-height:175%; color:#222222; text-align:left" align=3D"left=
"><span style=3D"color: #00204e;"><strong><span style=3D"line-height: 17.26=
6667px;">No monthly cost unless you use it. No fixed repayments. Up to =C2=
=A32 million.</span></strong><span style=3D"line-height: 17.266667px; backg=
round-color: var(--clrselection,#c6c6c6);"> </span></span></p>
</div>
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)">
<p style=3D"line-height:175%; color:#222222; text-align:left" align=3D"left=
">&nbsp;</p>
<p style=3D"line-height:175%; color:#222222; text-align:left" align=3D"left=
"><span style=3D"color: #00204e;"><span style=3D"line-height: 17.266667px;"=
>If you'd like to talk through whether this fits your business, your relati=
onship manager is on hand =E2=80=93 or you can start an application in a fe=
w minutes online.</span></span></p>
</div>
</div>
<ul style=3D"line-height:175%; list-style-type:disc; text-align:left" align=
=3D"left"></ul>
<ul style=3D"line-height:175%; list-style-type:disc; text-align:left" align=
=3D"left"></ul>
<span style=3D"font-size: 16px; font-family: Arial, sans-serif;"><a href=3D=
"https://www.allica.bank/e3t/Ctc/5D+113/cQP1X04/VVWfCb8qHCgwW4VQkcF67b3HFW9=
h8NV35S55_RN2VVBzK3lYM-W69sMD-6lZ3n0W1SG9nT7CfRf3N7g4Z9SC_w6TW7TJ_X05TLlhjW=
8rzy777WTKfzVF8Lm283r1wnW3ccR7m2Sfq4sW8BDKnr14zx98W38pSTK3BTdg9W50Sdp81KPmQ=
0W36qNth5yhsJCW1Qs7K384qXnhW5GNg6X3Zcc9rW7GW4kl3zrGQ_W7fBvrH3_VB13W18vr-j4t=
3g5wW5xffqC5VmCsMW51WP426RBFrvN5HkBTyQB6szW2vN-ZK2czXYDW3YYsCk2PWPgQf526xcT=
04" style=3D"display:inline-block; background-color:#00204e; color:#ffffff;=
 text-decoration:none; padding:8px 45px; border-radius:60px; font-weight:bo=
ld" rel=3D"noopener" bgcolor=3D"#00204e" data-hs-link-id=3D"1" data-hs-link=
-id-v2=3D"fxmMgHht" target=3D"_blank">Apply for a business overdraft<sup>2&=
nbsp;</sup></a></span></div></div></div></td></tr></tbody></table>
  <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=3D=
"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D"fo=
nt-family:Arial, sans-serif; font-size:15px; color:#1a3760; word-break:brea=
k-word; padding:10px 40px 15px"><div id=3D"hs_cos_wrapper_module_1773072924=
1271" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_mod=
ule" style=3D"color: inherit; font-size: inherit; line-height: inherit;" da=
ta-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=3D"hs=
_cos_wrapper_module_17730729241271_" class=3D"hs_cos_wrapper hs_cos_wrapper=
_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-size: =
inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" data-hs=
-cos-type=3D"rich_text"><div style=3D"line-height:175%; color:rgba(0, 0, 0,=
 0.847)">
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)">
<p style=3D"line-height:175%"><span style=3D"color: #00204e;"><span style=
=3D"line-height: 19.425px;">Thanks,</span><span style=3D"line-height: 19.42=
5px;"><span style=3D"white-space-collapse: preserve;"> </span></span></span=
></p>
</div>
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)">
<p style=3D"line-height:175%"><span style=3D"color: #00204e;"><span style=
=3D"line-height: 19.425px;">The Allica Bank team</span></span></p>
</div>
</div></div></div></td></tr></tbody></table>
  <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=3D=
"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D"fo=
nt-family:Arial, sans-serif; font-size:15px; color:#1a3760; word-break:brea=
k-word; padding:15px"><div id=3D"hs_cos_wrapper_module_17821397449404" clas=
s=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style=
=3D"color: inherit; font-size: inherit; line-height: inherit;" data-hs-cos-=
general-type=3D"widget" data-hs-cos-type=3D"module"><table role=3D"none" bo=
rder=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"vertical-align:top"=
 width=3D"100%">
  <tbody><tr>
    <td align=3D"center" style=3D"font-family:Arial, sans-serif; color:#1a3=
760; font-size:0; word-break:break-word">
      <p style=3D"font-size:1px;border-top:1px solid #e0dbd4;width:100%;mar=
gin:0 auto;"></p>
      <!--[if mso]>
        <table role=3D"none" align=3D"center" border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" style=3D"font-size:1px;border-top:1px solid #e0dbd4;wid=
th:570px;">
          <tr>
            <td style=3D"height:0;line-height:0">&nbsp;</td>
          </tr>
        </table>
      <![endif]-->
    </td>
  </tr>
</tbody></table></div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section_1775640136246" class=3D"hse-section" style=3D"padding-=
left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#fdfcfb" bgcolor=3D"#fdfcfb">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#fdfcfb">
      <tr style=3D"background-color:#fdfcfb;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:600px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column_1775640136246_1" class=3D"hse-column hse-size-12">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Arial, sans-serif; font-size:15px; color:#1a3760; word-break:b=
reak-word; padding:10px 40px 15px"><div id=3D"hs_cos_wrapper_module_1775640=
1362465" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_=
module" style=3D"color: inherit; font-size: inherit; line-height: inherit;"=
 data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=3D=
"hs_cos_wrapper_module_17756401362465_" class=3D"hs_cos_wrapper hs_cos_wrap=
per_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-siz=
e: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" data=
-hs-cos-type=3D"rich_text"><div style=3D"line-height:175%; color:rgba(0, 0,=
 0, 0.847)">
<div style=3D"line-height:175%; color:rgba(0, 0, 0, 0.847)">
<p style=3D"line-height:125%; font-size:12px"><span style=3D"font-size: 11p=
x; color: #00204e;"><sup>1</sup>=C2=A3201.37 is an illustrative estimate ba=
sed on a =C2=A350,000 overdraft used for 14 days at the current interest ra=
te. Actual costs will vary. Interest is charged monthly on the amount used.=
 A 1.5% arrangement fee (=C2=A3750 in this example) also applies. Overdraft=
s are subject to application, status, lending criteria and are repayable on=
 demand.</span></p>
<p style=3D"line-height:125%; font-size:12px">&nbsp;</p>
<p style=3D"line-height:125%; font-size:12px"><span style=3D"font-size: 11p=
x;"><span style=3D"color: #00204e;"><sup>2</sup>All lending is subject to s=
tatus, our lending criteria, and a satisfactory credit assessment.<span sty=
le=3D"color: #ff6100;"><span style=3D"color: #00204e;">=E2=80=AF</span><a h=
ref=3D"https://www.allica.bank/e3t/Ctc/5D+113/cQP1X04/VVWfCb8qHCgwW4VQkcF67=
b3HFW9h8NV35S55_RN2VVBCb3lYM-W95jsWP6lZ3kxW8Tf76c8hl107N8RPYWbnxqzcW2S-CzV3=
lMNc-W3G-y5q7P1NmSW6WNs3c5Xqhg_W4Wt1DD7Pq-p1W3s6RX07sDGjkW3fzXZW1tklSsN7GyL=
K2cVDHWVl9QBJ5qMjb_N3PDzN6mv_tnVLlZMM5WfTCwN6hj6Y7TDNDRW8hk3Q75S40zHVwZmh-3=
-vRTxN1s_R3Vvg7KzVG3PS06q-dYhW2TSf924R-ZhSW2l3FxL7T3q7nW7FSqHf8g29ncW5rp5jz=
1X3mwJVTPpb82LJvD1W3T40-z7crgNBW2HnMgR5bYC0mVRkZ2D2rkLzZN56t7X-6kV0FW3G_T8q=
9dQjNWN3yxjxwDBX7dW5FyBZs3FGXMsW3-mYPv7TpQcjf6LVh9K04" style=3D"color:#ff61=
00" data-hs-link-id=3D"0" data-hs-link-id-v2=3D"eAYxcZdq" target=3D"_blank"=
>Terms and conditions</a></span>=E2=80=AFapply.&nbsp;</span></span></p>
</div>
</div></div></div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section-14" class=3D"hse-section" style=3D"padding-left:10px; =
padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#00204E; padding-top:50px" bgcolo=
r=3D"#00204E">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#00204E">
      <tr style=3D"background-color:#00204E;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:600px;padding-top:50px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column-14-0" class=3D"hse-column hse-size-12">
  <div id=3D"hs_cos_wrapper_module-14-0-0" class=3D"hs_cos_wrapper hs_cos_w=
rapper_widget hs_cos_wrapper_type_module" style=3D"color: inherit; font-siz=
e: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" data=
-hs-cos-type=3D"module"><table class=3D"hse-image-wrapper" role=3D"presenta=
tion" width=3D"100%" cellpadding=3D"0" cellspacing=3D"0">
  <tbody>
    <tr>
      <td class=3D"hs_padded" align=3D"center" valign=3D"top" style=3D"font=
-family:Arial, sans-serif; color:#1a3760; word-break:break-word; text-align=
:center; padding:10px 20px; font-size:0px">
        <a href=3D"https://www.allica.bank/e3t/Ctc/5D+113/cQP1X04/VVWfCb8qH=
CgwW4VQkcF67b3HFW9h8NV35S55_RN2VVBzK3lYM-W69sMD-6lZ3lJW60KRJC3p3Qt4W5XSjdB4=
sZcwYW76xzT04b26CgVNf_Vy4WwfskW5-XDFs7ntNCJW7FCB_q6nDCJ8W2MkSHq1lkTrXW8w1BC=
q3TbdzbW20KB456pjfF4Vy4jlY3zwrfpW4Bx27k1SzSmHW6DHb6T6ngP-zN98QTdLXNNMpW5zFf=
NC6L5ZZNW4BFgNP7Bl-PhN8rKbq_CvYGQW979jDl4rFSnLVvCws13jb2BjW7YwBws5Ht6lGW2YK=
HVC5LbQ8vf4T7m7l04" target=3D"_blank" style=3D"color:#00a4bd" data-hs-link-=
id=3D"1" data-hs-link-id-v2=3D"qXx1Y1Cn">
        <img alt=3D"Logomark - hat" src=3D"https://www.allica.bank/hs-fs/hu=
bfs/Logomark%20-%20hat.png?width=3D90&amp;upscale=3Dtrue&amp;name=3DLogomar=
k%20-%20hat.png" style=3D"outline:none; text-decoration:none; border:none; =
max-width:100%; font-size:16px" width=3D"45" align=3D"middle">
        </a>
      </td>
    </tr>
  </tbody>
</table></div>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section-17" class=3D"hse-section hse-section-last" style=3D"pa=
dding-left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#00204E" bgcolor=3D"#00204E">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#00204E">
      <tr style=3D"background-color:#00204E;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:600px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column-17-0" class=3D"hse-column hse-size-12">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Arial, sans-serif; font-size:15px; color:#1a3760; word-break:b=
reak-word; padding:20px 40px 50px"><div id=3D"hs_cos_wrapper_module-17-0-0"=
 class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" =
style=3D"color: inherit; font-size: inherit; line-height: inherit;" data-hs=
-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=3D"hs_cos_=
wrapper_module-17-0-0_" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_co=
s_wrapper_type_rich_text" style=3D"color: inherit; font-size: inherit; line=
-height: inherit;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"=
rich_text"><p style=3D"color:#00204e; font-size:9px; line-height:150%; font=
-weight:normal; text-align:center" align=3D"center"><span style=3D"color: #=
ffffff; font-family: Arial, sans-serif;">Allica Bank Limited<span style=3D"=
font-size: 10px;"> is authorised by the Prudential Regulation Authority and=
 regulated by the Financial Conduct Authority and the Prudential Regulation=
 Authority (FRN: 821851). 4th/5th Floor, 15 Worship Street, London, EC2A 2D=
T.&nbsp;Registered in England and Wales with company number 07706156.</span=
></span></p>
<p style=3D"color:#00204e; font-size:9px; line-height:150%; font-weight:nor=
mal; text-align:center" align=3D"center">&nbsp;</p>
<p style=3D"color:#00204e; font-size:9px; line-height:150%; font-weight:nor=
mal; text-align:center" align=3D"center"><span style=3D"font-family: Arial,=
 sans-serif; color: #ffffff; font-size: 10px;">Allica Bank savings accounts=
 and business current account products are regulated by the Financial Condu=
ct Authority and the Prudential Regulation Authority. Allica Bank lending p=
roducts are not regulated products. Registered in England and Wales with co=
mpany number 07706156.</span></p>
<p style=3D"color:#00204e; font-size:9px; line-height:150%; font-weight:nor=
mal; text-align:center" align=3D"center"><br><span style=3D"color: #ffffff;=
 font-family: Arial, sans-serif; font-size: 10px;">Copyright =C2=A9 2026 Al=
lica Bank Limited</span></p>
<p style=3D"color:#00204e; font-size:12px; line-height:150%; font-weight:no=
rmal; text-align:center" align=3D"center">&nbsp;</p>
<p style=3D"color:#00204e; font-size:10px; line-height:150%; font-weight:no=
rmal; text-align:center" align=3D"center"><span style=3D"color: #ffffff; fo=
nt-family: Arial, sans-serif; font-size: 10px;"><a href=3D"https://www.alli=
ca.bank/hs/preferences-center/en/direct?data=3DW2nXS-N30h-H0W4mcGZX21nrd_W2=
nByyk3yPQdBW3CbFlH3gtqF-W2YpqJW1XmPTtW1XvNpB1Q3dLXW3jqHQB36CqhKW2-bqlH41RjR=
FW4rkpjq1SyLFCW3GHLG61BJS4KW1--tJt23lVcvW3DWdZn2p6hqSW2r0FrJ4hnKWfW2x-QWq2Y=
fx0RW4hJ2Tk4fpSBdW3HfxST4t7jRTW3dfX5M2HR56DW36xlnb2HYmb_W3NF48t32p_WMW2RHyK=
c3F8gZyW2nFwNf3R4NPVW4p5yld2FtZthW2CPkZV1VhSQsW2HXVLZ1BnNlQW4hqS0G2YwcHdW1X=
2ks03XPQ_NW4mzkW13CdKszW3_Z4v32xtPVxW30dJwg2YG_6_W1Q5MyC3LWtjCW1NzXzk2w40q1=
W2WvZy-3H6XhpW1_ddTD30yhkSW32xgQ84cJ0N9W4p8WJW4hpd5NW2PKS972TPGxNW3Z-zWV3BW=
NdVW3LTjKS2YvlgvW3M3yg92-vGz3W2MF6q32sB92DW47DL4x47wsMjW2qSxxv1QrJ34W250S8G=
3F8lXpW3_KGpM2CxK4KW2p3Qz245z_K2W2-rHbh30csrmW2FKqt3328hk2W25cHDq47xKkYW3BV=
4t22Kn6xTW4ksKdm3Y047yW1StzKz2r2PBlW2y4fG42FSVfYW1_cVFQ24Qc-PW2nFw89385bnmW=
3VSwk43F1fTJW1Zvzkx1X1Qr1W3LBQ5z2KJcX7W4kwg911S3yvVW3LSvLD1_r-R5f1Ncnp704&a=
mp;utm_source=3Dhs_email&amp;utm_medium=3Demail&amp;utm_content=3D430654040=
&amp;_hsenc=3Dp2ANqtz--CAQkJoPxrr1PCGZMK1dl9Om8MuJze2wq7odNyUCZA0BbG-ZIQv-I=
zzBjf0v9Lfc1yjJkBncYCeCRh1goeyGq0ryOS6g&amp;_hsmi=3D430654040" style=3D"col=
or:#ffffff" rel=3D"noopener" data-hs-link-id=3D"0" data-hs-link-id-v2=3D"SF=
RZzEXk" target=3D"_blank">Unsubscribe</a> <a href=3D"https://www.allica.ban=
k/hs/preferences-center/en/page?data=3DW2nXS-N30h-H0W4mcGZX21nrd_W2nByyk3yP=
QdBW3CbFlH3gtqF-W2YpqJW1XmPTtW1XvNpB1Q3dLXW3jqHQB36CqhKW2-bqlH41RjRFW4rkpjq=
1SyLFCW3GHLG61BJS4KW1--tJt23lVcvW3DWdZn2p6hqSW2r0FrJ4hnKWfW2x-QWq2Yfx0RW4hJ=
2Tk4fpSBdW3HfxST4t7jRTW3dfX5M2HR56DW36xlnb2HYmb_W3NF48t32p_WMW2RHyKc3F8gZyW=
2nFwNf3R4NPVW4p5yld2FtZthW2CPkZV1VhSQsW2HXVLZ1BnNlQW4hqS0G2YwcHdW1X2ks03XPQ=
_NW4mzkW13CdKszW3_Z4v32xtPVxW30dJwg2YG_6_W1Q5MyC3LWtjCW1NzXzk2w40q1W2WvZy-3=
H6XhpW1_ddTD30yhkSW32xgQ84cJ0N9W4p8WJW4hpd5NW2PKS972TPGxNW3Z-zWV3BWNdVW3LTj=
KS2YvlgvW3M3yg92-vGz3W2MF6q32sB92DW47DL4x47wsMjW2qSxxv1QrJ34W250S8G3F8lXpW3=
_KGpM2CxK4KW2p3Qz245z_K2W2-rHbh30csrmW2FKqt3328hk2W25cHDq47xKkYW3BV4t22Kn6x=
TW4ksKdm3Y047yW1StzKz2r2PBlW2y4fG42FSVfYW1_cVFQ24Qc-PW2nFw89385bnmW3VSwk43F=
1fTJW1Zvzkx1X1Qr1W3LBQ5z2KJcX7W4kwg911S3yvVW3LSvLD1_r-R5f1Ncnp704&amp;utm_s=
ource=3Dhs_email&amp;utm_medium=3Demail&amp;utm_content=3D430654040&amp;_hs=
enc=3Dp2ANqtz--CAQkJoPxrr1PCGZMK1dl9Om8MuJze2wq7odNyUCZA0BbG-ZIQv-IzzBjf0v9=
Lfc1yjJkBncYCeCRh1goeyGq0ryOS6g&amp;_hsmi=3D430654040" style=3D"color:#ffff=
ff" rel=3D"noopener" data-hs-link-id=3D"0" data-hs-link-id-v2=3D"qjPJqCop" =
target=3D"_blank">Manage Preferences</a></span></p></div></div></td></tr></=
tbody></table>
</div>
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    </div>
  =20
  </div></div>
          </td>
        </tr>
      </tbody></table>
    </div>
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<img src=3D"https://www.allica.bank/e3t/Cto/5D+113/cQP1X04/VVWfCb8qHCgwW4VQ=
kcF67b3HFW9h8NV35S55_RW2VVBl53D1p0M132" alt=3D"" width=3D"1" height=3D"1" b=
order=3D"0" style=3D"display:none!important;min-height:1px!important;width:=
1px!important;border-width:0!important;margin-top:0!important;margin-bottom=
:0!important;margin-right:0!important;margin-left:0!important;padding-top:0=
!important;padding-bottom:0!important;padding-right:0!important;padding-lef=
t:0!important"></body></html>
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