Here’s everything you need to get up and running - and start earning Rewards.   Is this email not displaying correctly? View it in your browser. Your partial postcode: {PostCode} Please refer to the Security section in the footer of this email for information about this.     Dear <Personalised>, Welcome to your Reward Black current account. From today you could earn 3% back in Rewards on all the household bills below that you pay by Direct Debit. Simple as that.             Council Tax         Gas         Electricity             Mobile         Landline         TV package               Broadband       Payments for services like maintenance, repairs and insurance won't earn Rewards.       Making the most of your account Here’s a quick list of things you can do straight away:     1. If you haven't already, set up your online MyRewards account so you can track your Rewards   2. Manage your account 24/7 with digital banking   3. Bank on the move by downloading our mobile app (available on selected smartphones with a UK mobile number) - just search for ‘RBS’ in your phone’s app store. To use the app you must first be set up for RBS digital banking   4. Move your Direct Debits in 7 working days (excluding Bank and Public holidays)   5. Check out our helpful YouTube videos for help setting up digital and mobile banking   Don't forget your added benefits   Your account also gives you a wealth of benefits for you and your family. Remind yourself of everything you get here     Worldwide travel insurance     UK and European car breakdown cover     Worldwide airport lounge access     Travel money service     Home emergency service       24/7 concierge service       Mobile phone insurance       Travel service       Ticket service

Please print or save your Terms and keep them safe for your records   Benefit Terms   Travel Insurance Terms   MyRewards Terms   Your Current Account Terms       Upcoming changes     From 8 December 2016 we're making a change to your account terms. Details can be found in the letter attached. Please save or print this letter and keep it safe.       Changes to you Terms         Earn extra Rewards with our Reward Black credit card Our Reward Black credit card lets you earn more Rewards and each time you make a purchase abroad you won't be charged a fee. As you already have a Reward Black current account, we’ll refund your annual credit card fee. Representative 33.6% APR (variable). Annual fee applies. To apply you must be earning over £15k p.a. and be a mainland UK resident.   Find out more       We think you’ll be happy with your new account. But if you change your mind, you can cancel it within 14 days from getting this email and get a full refund of your monthly account fee. Just speak to your Private Banking Manager. Thanks, Your Private Banking team   Just visit rbs.co.uk/ blackaccountwelcome   Speak to your Private Banking Manager   Call the team on 0333 202 3332   Minicom 0800 027 1398     Join us on Facebook and Twitter and watch our helpful videos on YouTube   About this email This email is confidential and intended for the addressee only. Please delete if that is not you. This is a service message designed to keep you informed of important information associated with your account. Please do not reply to this email as the address is not monitored. Visit our Support Centre if you have any queries and we’ll be happy to help. Important Security Information To help you identify our email and as an extra security measure the second half of your postcode is shown at the top. If you have not provided us with this information or you have changed address please contact your local branch to update your details. Royal Bank of Scotland will NEVER ask for your full PIN or Password when identifying you on the phone or online, and will NEVER ask for Card Reader codes on the phone or when logging in. Fraudsters may claim to be the bank to try and access security information. If you receive a call or email from Royal Bank of Scotland that you are suspicious about, cease the call immediately, or forward the email to phishing@rbs.co.uk. Visit rbs.co.uk/security for more information and advice. The Royal Bank of Scotland plc, Registered in Scotland No. 90312. Registered Office: 36 St Andrew Square, Edinburgh, EH2 2YB. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.