we have noticed that your account has a zero balance and is no longer used by you
as you appear to no longer need the account we intend to close it in two months time unless we hear you before the end of the above that you wish to retain the account please return any cheque debit/credit card (s) snd,if you used our intenet banking Servce any E-tokens to us
plese do not hesitate to contact us if you have any further questions or wish to keep your accunt because you expect to start using it again