Don't trade with this Fail
A lack of personalization suggests a lack of interest in your customer. In a face-to-face sales environment, a good salesperson knows the customer's name before trying to sell a product. The same premise applies to direct marketing. Effective direct mail almost always starts with "Dear Marc Davis." or at least "Dear" followed by the first name of the customer.
In snail mail, the right personalization can mean the difference between effective mail and junk mail. With e-mail, the same premise applies except that the common term is spam.
This e-mail from Online Trading Academy easily merits a Creative Fail for bad personalization. Leading an e-mail with "Dear [INSERT FIRST NAME]" is worse than no personalization at all. Would you trust these people with your investment dollars if they cannot figure out how to call you by name?