Quote - Fake emails from banks and EBay, Amazon.com and other places like that always start, "Dear Preferred Customer" or the like.

My bank always addresses me personally. :)

I am always leery of emails to begin with and won't open or click anything unless I know where it comes from for sure. lol

As far as I know no bank Sends personal emails to customers worldwide if yours does then it would a world first.  As for PayPal they don't send personal emails, they will ring you up if their is something fishy or wrong with your account.  The Phishing criminals count on people thinking online banking and money transfers are safe mediums.

My advise is the following ignore all emails asking for personal information from Banks, Transfer Websites and the like.  They dont do business this way.  And if y0ou see any in you Inbox at Renderosity use the report spam button immediately as the ladies in the office will nuke it fast.