Hello, how are you today? I will be happy to assist you. Have you been approved?
Yes  I recently was.
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
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
Is there anywhere else I can learn about phishing?
absolutely! please go to  go to OnGuard Online
Should I respond to the email if i suspect it is a phishing one?