Dear <<title>> <<surname>>,
We regret to inform you that your account
balance of £<<ac_ballance>> is now over your overdraft
limit of £<<od_limit>> and a £20 penalty charge has been made.
It is important that funds are paid into your
account to maintain your account within your overdraft limit. Failure
to do this before the end of the month or further charged will be incurred.
If there are likely to be any difficulties
making a payment then please contact your account manager, <<ac_manager>>.
Mr Stephen Hall - Financial manager