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Elrod’s love affair began with the sort of dodgy Facebook message that most people delete on sight.

She discovered that message in March 2011, 20 months before opening her First Community account, while cleaning out her junk-strewn “Other” mailbox during a respite at a Charlotte mall.

But more often than not, she ended the day no richer than she’d started.

In addition to collecting 4 in unemployment benefits each week, Elrod made ends meet by hustling: She resold packages of discount toilet paper and peddled small quantities of prescription drugs.Despite her hand-to-mouth circumstances, Elrod’s new account soon began to receive a series of sizable wire transfers, many of which originated abroad.Over the course of one December week, for example, almost ,000 arrived from Norway; on January 2, someone in France sent ,977.She knew they’d soon spend hours gabbing on the phone, as was their daily habit.No matter how tired she got from helping Sinclair obtain his money, the prospect of hearing her fiancé’s adoring voice always managed to lift her heart.She scraped together just enough to rent a 676-square-foot garage apartment that she shared with a roommate, a gangly buffet cook a dozen years her junior.On the Tuesday after Thanksgiving, Elrod opened a checking account at a First Community Bank branch located just across the state line in the twin town of Bluefield, Virginia.He also expressed a fervent desire to visit her in the US and perhaps even live with her full-time—a dream come true for Elrod, who lamented that she’d never had kids of her own.Kevin scheduled a trip to Charlotte for his summer break, and Elrod sent him several hundred dollars to buy the plane ticket.As part of this blossoming relationship, Elrod grew close to Mc Gregor’s son, Kevin, a 17-year-old boarding school student in Manchester, UK.The boy wrote her bubbly emails about his closest school chum and his plans for Senior Day.

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