Q 1. 1. We are taking the proactive step of issuing all our customers new chip-enabled credit cards to replace expired or lost cards and prevent increasingly costly payouts we have suffered from fraud. Revise to emphasize the audience perspective and the "you" view. 2. 2. As per your resent request, the undersigned is happy to inform you that we are sending you forthwith the procedure manuals you requested. Revise to make the tone conversational, yet professional.

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