For example:

Subject: Late Accounts

                                            ART MATRIX - LIGHTLINK
                                            PO 880 Ithaca, NY 14851-0880
                                            (607) 277-0959      Voice
                                            (607) 277-8913      Fax
                                            (607) 277-5026      Modems
                                            09/16/03 6:05pm

     Please contact Angie in accounting with questions,, 607 533-7286.

     The following applies to dialup and web hosting accounts.

     E-bills are sent on the 16th or 17th of each month and are due on
the 1st of the next month.

     If a customer needs 30 day terms or longer, please contact us.
     If a customer also needs paper bills, please contact us.
     Paper bills are also sent to those who are late on previous
month's bills.  If a customer hasn't asked us for paper billing and
yet they are receiving paper bills, it means they are late!

     Late invoices are shown at the top of every bill.

     Every bill states clearly the start of service date, and the lock
date both for the present invoice and for late invoices.

     Payment for each month's service is due on the 1st of that month,
not later.  If payment is not received by the 8th of the month, the
account may be locked.  If payment is not received by the 17th of the
month, the account will be locked.

     The locking system does not take into account how long you have
been a customer nor how good your payment record is, sorry, we wish
it did.
     One e-mail letter, and one phone attempt will be made to contact
the late payer between the 1st and 17th before they are locked.  If
both the contact's e-mail and phone answering machines are not
working, the late payer will probably miss the message.

     Once an account has been locked, that account's dialup and web
pages, if any, will be unavailable.  No e-mail will be lost however.

     If a late payer calls us before an account is locked to 'make
arrangements', the account may be locked anyway if payment is not
received by the 17th.  However all they have to do is call us to have
it unlocked again.
     If a late payer calls us after an account has been locked, we
will unlock it immediately unless the customer is a multiple repeat
offender.  Angie's discretion applies.
     If we have unlocked a late account with promise to pay, and do
not receive payment by the next month's locking, the account will not
be unlocked until payment is received in full.

     Late payers can avoid much of the hassle of late paying by paying
with a credit card that is charged automatically at the beginning of
each month or year of service.  The customer however needs to make
sure the expiration date remains valid and/or the card is not
canceled, otherwise their account becomes a late payer account also,
and subject to the policies above.