How am I protected?
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Hello, how are you today? I will be happy to assist you. Have you been approved?
Yes  I recently was.
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Did you create an online accout? or do you want to?
I am not sure if that is safe or if i wish to do that online
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I see. We offer extra security to ease your mind
That sounds great
Ok great!  We offer you the choice to add extra security when you create an online account
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Is there anywhere else I can learn about phishing?
absolutely! please go to  go to OnGuard Online
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Should I respond to the email if i suspect it is a phishing one?
DO NOT respond to the email or click on any links contained in the email message
