In this illustration, the initial message and ASCII Representation are positioned horizontally side-by-side. Below them, the fraudulent message and ASCII Representation are also positioned horizontally side-by-side. The top message reads:

Message

IOU1z

00.9

9BOB

Next to it, the ASCII Representation appears like this, with the Checksum appearing in the bottom row:

49 4F 55 31

30 30 2E 39

39 42 4F 42

B2 C1 D2 AC

The bottom message reads:

Message

IOU9

00.1

9BOB

Next to it, the ASCII Representation appears like this, with the Checksum appearing in the bottom row:

49 4F 55 39

30 30 2E 31

39 42 4F 42

B2 C1 D2 AC