To have an email template in Dear, you will need to upload the relevant file to your DEAR account by navigating to Settings >> Document & e-mail templates and then click on the applicable template(e.g. Invoice template) thumbnail, a dialogue will appear and use browse button against "Choose email template" to select template to upload and then click save.
This will then be used or shown as the Body of your email. If you want to have a clear email body, please create an empty MS Word document and upload it as email body for the document in Documents & Templates.
You can tick or untick transaction documents which are sent as an attachment in the email if needed.