Don't be scammed!

Here is some extremely important advice about fraudulent emails, phishing scams, and identity theft.

E-mail fraud is now an extremely common tool used for IDENTITY THEFT.

These emails can take many forms, and they are often very demanding and contain strong, urgent messages.

Here are four examples:

* Phishing (pronounced "fishing")
- the sender poses as a company to trick users into giving away personal or account information.

* Illegitimate Offers
- e-mails that entice users to purchase popular goods or services at reduced prices (or before they're available to the general public), with no intent to deliver those purchases. Usually, these e-mails are designed primarily to obtain credit card or bank account information.

* Requests for Help
- usually these will offer you large sums of money or attractive rewards in exchange for "short term" financial assistance. One common example is the "sender" who asks the user to supply a bank account number to "hold" large sums of money until the "sender" can retrieve it. In exchange, the recipient is promised a percentage of the deposit. The "sender" uses the bank account number for fraudulent activity, and the recipient never receives the promised funds.

* Vishing
- Phishing scams now have a phone connection. First, it was "phishing," where criminals send e-mail by the thousands in hopes of tricking unsuspecting consumers into sharing confidential information.

These messages often include a link to a fraudulent website. Now, there's "vishing." In this latest twist, they use a telephone number instead. When you call, a person or an automated response asks for your personal and/or account information.

When you call your bank, use ONLY a phone number that comes from a REPUTABLE source, like your STATEMENT, the back of your credit or debit card or the phonebook.

If you have any questions please contact Kahl Consultants for more information!