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Ha, both of these fail because of their poor structure and grammar. The FDIC one is very good, but writing "Online Security department" instead of "Online Security Department" is a dead giveaway. The Western Union one is just bad because it uses all caps and random words are capitalized. Do they seriously think that messages from legitimate companies would read like a posting from a blog or Facebook? Whoever falls for one of these must be really gullible or have poor language skills.
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