Your Account is about to expire scam email

This is designed to worry people that their online banking account won't work unless they follow the link. Throwing intechnical jargon is used to throw untechnical customers into a tizzy. Your online account work if the scammers take all your money.
Note the bad punctuation.

Lloyds TSB
Personal & business account
Online Service alert
Please note that Your Lloyds TSB Online Service Account is about to expire.Due to SSL Database upgrade on our system In order for it to remain active,follow the link below to
proceed and access your account.

link