1.   But account-holders are limited to five withdrawals from the account each year without giving notice or paying a penalty.

2.   Keep within the limit and you will not pay the penalties that come with unauthorised overdrafts.

3.   The Friendship crew would pay the penalty.

4.   Therefore his son must pay the penalty.

5.   We can return home early without paying a penalty, he reports.

6.   In the second half, they nearly paid the penalty.

7.   Motherwell failed to heed the warning, and paid the penalty.

8.   A judge told William Sim and David Todd that they had been playing for high stakes and had to pay the penalty.