Here’s the plain message. Of course I masked my email address.</p>

from: Vietcombank <[email protected]>
to: **************@*****
date: Thu, Nov 13, 2008 at 4:38 PM
subject: Thông báo thay đổi giao diện [email protected]
mailed-by: vietcombank.com.vn

Vietcombank trân trọng kính chào Quý khách hàng!

Với mục tiêu mang đến khách hàng những tiện ích và sự thân thiện trong sử dụng
dịch vụ Ngân hàng trực tuyến – [email protected], kể từ ngày 15/11/2008, Vietcombank
sẽ đưa vào sử dụng giao diện [email protected] mới cùng với một số tính năng bổ sung.
Quý khách vui lòng xem Hướng dẫn sử dụng dịch vụ <a href="http://www.vietcombank.com.vn/EBanking/IBanking/">tại đây </a> để biết thêm chi tiết.

Vietcombank rất mong nhận được ý kiến đóng góp của Quý khách hàng để dịch vụ
[email protected] ngày càng được hoàn thiện.
Cảm ơn Quý khách hàng đã quan tâm và sử dụng dịch vụ của Vietcombank!

</p>

And here’s the obligatory source code. And again, my email address is masked off. </p>

Delivered-To: **************@*****
Received: by 10.142.48.6 with SMTP id v6cs81057wfv;
        Thu, 13 Nov 2008 02:25:03 -0800 (PST)
Received: by 10.110.50.19 with SMTP id x19mr12266688tix.53.1226571902167;
        Thu, 13 Nov 2008 02:25:02 -0800 (PST)
Return-Path: <[email protected]>
Received: from exchange.vietcombank.com.vn (exchange.vietcombank.com.vn [210.245.5.227])
        by mx.google.com with ESMTP id 2si377017tif.0.2008.11.13.02.25.00;
        Thu, 13 Nov 2008 02:25:02 -0800 (PST)
Received-SPF: pass (google.com: best guess record for domain of [email protected]
designates 210.245.5.227 as permitted sender) client-ip=210.245.5.227;
Authentication-Results: mx.google.com; spf=pass (google.com: best guess record for domain of
[email protected] designates 210.245.5.227 as permitted sender)
[email protected]
Received: from ho.vcb.com ([10.1.2.15]) by exchange.vietcombank.com.vn with Microsoft
SMTPSVC(6.0.3790.1830);
	 Thu, 13 Nov 2008 16:43:32 +0700
Received: from HO-DBWEB01 ([10.1.1.97]) by ho.vcb.com with Microsoft SMTPSVC(6.0.3790.1830);
	 Thu, 13 Nov 2008 16:38:54 +0700
MIME-Version: 1.0
From: Vietcombank <[email protected]com.vn>
To: **************@*****
Date: 13 Nov 2008 16:38:55 +0700
Subject: =?utf-8?B?VGjDtG5nIGLDoW8gdGhheSDEkeG7lWkgZ2lhbyBkaeG7h24gVkNCLWlCQG5raW5n?=
Content-Type: text/html; charset=utf-8
Content-Transfer-Encoding: base64
Return-Path: [email protected]
Message-ID: <[email protected]>
X-OriginalArrivalTime: 13 Nov 2008 09:38:54.0970 (UTC) FILETIME=[A5114DA0:01C94573]

PGh0bWw+DQo8aGVhZD4NCjxtZXRhIGh0dHAtZXF1aXY9IkNvbnRlbnQtVHlwZSIgY29udGVu
dD0idGV4dC9odG1sOyBjaGFyc2V0PXV0Zi04IiAvPg0KPC9oZWFkPg0KPGJvZHk+DQo8cD5W
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dGnhur90LjwvcD4NCjxwPlZpZXRjb21iYW5rIHLhuqV0IG1vbmcgbmjhuq1uIMSRxrDhu6Nj
IMO9IGtp4bq/biDEkcOzbmcgZ8OzcCBj4bunYSBRdcO9IGtow6FjaCBow6BuZyDEkeG7gyBk
4buLY2ggduG7pSBWQ0ItaUJAbmtpbmcgbmfDoHkgY8OgbmcgxJHGsOG7o2MgaG/DoG4gdGhp
4buHbi48L3A+DQo8cD5D4bqjbSDGoW4gUXXDvSBraMOhY2ggaMOgbmcgxJHDoyBxdWFuIHTD
om0gdsOgIHPhu60gZOG7pW5nIGThu4tjaCB24bulIGPhu6dhIFZpZXRjb21iYW5rITwvcD4N
CjwvYm9keT4NCjwvaHRtbD4NCg==

</p>

Okay, so, is it a spam? It pretty much fits common criteria. First of all, it doesn’t know my name. Why did I provide VCB with my full name for? Addressing emails to clients by their names is the best differentiation of genuine and fake emails. Didn’t they know that? Secondly, it has a link to an iBanking facility that doesn’t even start with “https”!

Well, the fact is, it is not a spam message. And that saddened me. Come on, you can do better than this, VCB. Please give me some hope. You are better than ACB, aren’t you?