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" # $ % & '/ 00DTimesngsRomanllXu8ׯ0DTimes New RomanllXu8ׯ0 DArialNew RomanllXu8ׯ00DWingdingsRomanllXu8ׯ0@ .  @n?" dd@  @@``  "-   + *         ! ,2$)iFb 0AA3@8  uʚ;2Nʚ;g4dddd 8 ׯ0ppp@  <4dddd8T0lh___PPT2001D<4X@0___PPT10 ___PPT9/ 0  ? %!\Identity Theftq A CyberAngels Quick Tutorial Adapted from the Federal Trade Commission Website by CyberAngels and then me8r$QCIdentity Theft After completing this tutorial, you will be able to:$D4Define identity theft Explain how identity theft occurs Describe three ways to protect against identity theft List four sources for more information on identity theftWhat is Identity Theft?5How Does Identity Theft Happen? Identity thieves may:26   Go through your trash or dumpster dive Steal your wallet or purse Steal your mail or submit a change of address from for your mail,CA Identity thieves may also:( Use  phishing or fake e-mails to get you to provide personal information. 2QPN 6 Return-Path: admin@lotto.com To: ; Tue, 3 Mar 2009 05:28:22 -0700 Date: Tue, 3 Mar 2009 11:58:04 +0100 (CET) Subject: spam: Winning Notification From: "Uk National Lottery" Reply-To: verifcationclaimsdepartment2@hotmail.com Winning Notification, Your email address won a prize of 600,000.00, from a draw CONDUCTED BY NATIONAL LOTTERY PROMOTION, contact your claims agent via email and quote your REF: NLU/63120973/LY, BATCH: 08/H3401/3UK, to him for more information and to claim Contact Agent: Mr. David Bates Email Address:: verifcationclaimsdepartment2@hotmail.com Telephone Number: +44 702 401 4762 ****************************************************** Claims Requirements: 1. Full name 2. Address. 3. Country. 4. Tel and fax number. 5.Occupation. 6. Sex. and Age. ********************************************************** Yours Sincerely, Mrs. Wilson Stacy (Executive Zonal Coordinator) ---------------------------------------------------------- Material Copyright 2009 The Lottery Co. Ltd07P}`y(00T|Notes on this email(<I never registered for a lotto. Remember winning is great but as most of us know, to win, you need to do something. Even Publisher s Clearing House, you need to respond in order to enter. If you have won and never did anything, chances are it is a scam. Why would a Lottery use a hotmail.com address? The phone number +44 is the country code for the UK, however the +44 70xx is an entirely different matter all together. The English in the email is not even close to proper English. The grammar and even sentence structure is all wrong. 6Pp   N ------------------------------------------------------------------------------------------- Your email address won a prize of 600,000.00, from a draw CONDUCTED BY NATIONAL LOTTERY PROMOTION, contact your claims agent via email and quote your REF: NLU/63120973/LY, BATCH: 08/H3401/3UK, to him for more information and to claim. ------------------------------------------------------------------------------------------ This has got to be the biggest run-on sentence that I ve seen in my life. All  , and not one period. Reading the above, it doesn t make sense and is broken English. The email is asking for personal information. Yours Sincerely, Mrs. Wilson Stacy (Executive Zonal Coordinator) An official letter the title of a person is NEVER MR. or MRS. Nor is the title of that person shown in that format. Official is: Stacey Wilson Executive Zonal Coordinator The Lottery Co. Ltd Followed by Address/phone/fax etc. \PP]PP]The phone number +44(g Although +44 is a UK county code, scams using +44 70xx numbers involve emails that are sent from Nigeria and other West African countries, not from the UK! If you see a +44 70xx number in a 419 scam email it usually means you're dealing with criminals based in Nigeria. UK phone numbers starting with '70' are "Personal numbering" in the "Find me anywhere" range. Charges for calls to these numbers are not distance-dependent. They can cost as much as USD 0.90 per minute to call and can forward the call to virtually any phone number in the world. Forwarding numbers can be set up for free and completely anonymously via websites such as uknumbers.com. In most cases when you call one of these numbers the phone that starts ringing will actually be a mobile phone somewhere in Nigeria, as the UK number has been programmed to auto-forward calls to another number. These +44 70xx numbers are used as a redirector service to obscure the fact that the person taking the call is not actually based in Europe. The UK number is used to lend credibility to the scam. Unfortunately the authorities in the UK do not seem to be taking action to shut down such phone numbers. Calling these numbers you will find someone speaking poor English. They will also try to keep you on the phone because time is money for them. Check out http://www.419scam.org for more information on these scams. \hPq * N 0 2The Account Update Scam(Y Below is another email example from my inbox. ----------------------------------------------------------------------------------------------------- Dear Comerica Bank customer, You have received this alerting message, as you are listed to be an Comerica Business Connect user. We would like to inform you that we are currently carrying out scheduled maintenance of banking software, that operates customer database for Comerica Business Connect users. Customer database is based on a client-server protocol, so, in order to finish the update procedure, we need customer direct participation. Every Comerica Business Connect customer has to complete a Comerica Business Connect Customer Form. In order to access the form, please use the link below. The link is unique for each account holder and expires within a certain period of time. If you don't fill in Comerica Business Connect Customer Form before your unique link expires, the system will automatically send you a new notification message. http://businessconnect.comerica.com/session-id-21055307/cma/portal/customerform/index.jsp?temp-id=23733989698326660415902990917398261740012570792433539580161522303815013103 Thank you for your cooperation. We apologize for any inconvenience brought. Comerica Bank ----------------------------------------------------------------------------------------------------- JZP/g\f0!  The above is another phishing scam. Like the others, they are poorly assembled. If you look close at the email, you will notice they use commas in place of periods and no capital letters beginning what they think is the beginning their sentences. What they want you to click on the link which leads you to their fake website where they proceed to ask for account information. The email is also regarding what appears to be a Spanish bank. I am not aware of any Latin banking systems in the area. Although the above example is not at all good. People do fall for these types of email at an alarming rate. If it didn t work, they would not be doing it. A major problem online is this type of phishing. Major companies such as PayPal, Hotmail, Yahoo, eBay are continuously fighting off scams that direct people to a phishing website. Remember, any personal information you give out can and will be used against you. The results can become very extreme. Stolen credit card information, banking information, stolen login/passwords when it comes to sites like Yahoo/Hotmail. Stolen information can cost you money when it comes to login information for sites like eBay or PayPal. Xbox I just saw recently. Anything and everything is at risk. "P  Below is a sample PayPal phishing email. I use PayPal as do millions of online users. It is linked to my checking account as well as my credit card. Needless to say, a compromise of my PayPal account would be a major problem. To: Subject: spam: ***SPAM*** Important Information Regarding Your Account. Dear PayPal Member, As part of our security measures, we regularly screen activity in thePayPal system. During a recent screening, we noticed an issueregarding your account. For your protection, we have limited access to your account untiladditional security measures can be completed. We apologize for anyinconvenience this may cause. This might be due to either of the following reasons: 1. A recent change in your personal information (i.e. change of address,e-mail address). 2. An inability to accurately verify your selected option of payment due to an internal error within our processors. Please update and verify your information by checking the link below:(if you can't open it just copy the link in your internet browser) http://paypal-verify-information.com/index.htm We thank you for your prompt attention to this matter. Please understand that this is a security measure intended to help protect you andyour account. We apologize for any inconvenience. Sincerely, PayPal Account Review Department ------------------------------------------- Copyright 1999-2009 PayPal. All rights reserved.:P, .T0Bp"  The email address registered with PayPal is not bholenn@neche.net. This is the 1st tip off that this is a scam. The English & grammar is much better than the 1st sample. More than likely the link leads you to a fake phishing PayPal looking website made in Nigeria. Also these sites often carry a virus hidden in website and merely clicking on the link and opening in a browser could effect your browser with viruses or key loggers. Statistics show as many as 40% of on-line users have hidden processes running on their computer without them even knowing it. A common practice in the hacking would is taking over people s computers. Once they have access they set up an email spamming script that emails millions of emails all over the world right under you very nose. The web address given paypal-verify-information.com is not PayPal s website. Hackers could have made it paypal.com to make it look somewhat more authentic. Most times the emails sent are in html format. By doing this the displayed link, in this case paypal-verify-information.com is coded within the html to an entirely different website like this sample below: <a href="http://you-are-hacked-now.com">paypal-verify-information.com</a>. On a website or html formated email you would only see paypal-verify-information.com. The actual site http://you-are-hacked-now.com is hidden within the codingbqPPPpI9h15 S 01B 0!>Basics of Email SafetyNever open or view an email unless you know who sent it. Never click on links in an email unless you were waiting for the email and know there is a link that you need to click a) if it is an email from a prominent company or regarding something like a banking or various online accounts, always use the link in your favorites that you know is a safe link. Never open up attachments in an email unless you first were waiting for it. Viruses are running rampant online and it is very easy to become prey. If you are at work, never pass chain letters. Although most companies have internet policy, it still happens. To the right person, a chain letter is an open invite to every email address listed in the chain letter. There is extractor software out there that can pull all email addresses out of any document, website or email. Once they get your email address it is used and or sold to Spammers. Also, a virus if in a chain letter instead of effecting just you has now infected you as well as all your friends and their friends and so forth. PWhat Can You Do? DETER Deter identity thieves by safeguarding your information DETECT Detect suspicious activity by routinely monitoring your financial accounts and billing statements DEFEND Defend against identity theft as soon as you suspect a problemZ8ZZZbZZZ?Z8b      ?   DETERShred financial documents before discarding them Protect your Social Security number Don t give out personal information, unless you are sure who you are dealing with Don t use obvious passwords Keep your information secure  hDETECT DETECT suspicious activity by routinely monitoring your financial accounts and billing statements$iaBe alert to: Mail or bills that don t arrive Denials of credit for no reason Inspect your credit report The law entitles you to one free report a year from each of the nationwide credit reporting agencies; just ask for a copy. See www.annualreport.com \ ZAZZZ A;0FDEFEND DEFEND against identity theft as soon as you suspect a problem.$G?Place a  Fraud Alert on your credit reports by calling any one of the three nationwide credit reporting agencies Equifax 1-800-685-1111 Transunion 1-877-322-8228 Experian 1-888-397-3742 Close accounts that have been tampered with or opened fraudulently File a police report Contact the Federal Trade Commission If a credit card, contact them ASAP. Visa I think has fraud protection nrZMZCZZrJC  Try the Identity Theft Quiz,  "1. How does identity theft happen?#"Thieves go through your trash or dumpster dive Thieves steal your wallet or purse Thieves steal your personnel records All of the aboven +The correct answer is D. All of the above ;2. What can consumers do to protect against identity theft?<; YDeter, detect, defend Wait for damages to accumulate Commiserate with a friend Do nothingZnZ 2The correct answer is A. Deter, detect, defend32 ?3. To deter thieves from committing identity theft you should:@? Shred financial documents before discarding them. Protect your Social Security number Don t give out personal information unless you are sure of who you are dealing with Don t use obvious passwords All of the Aboven-The correct answer is E. All of the above.- 04. To defend against identity theft, you should:10 Place a fraud alert on your credit reports. Close accounts that have been tampered with opened fraudulently. File a police report. All of the Aboven-The correct answer is D. All of the above.- [Thank You For Taking the Identity Theft Quiz. May your computing be safe and enlightening!2 0` ff3۽q<(̥` f@y`%` Mj*3..R|:` qnZX@>mo` +T3f3f` eaQ/-%sj` ƢL|xN3` TTjo` ykDweI>?" dd@,?nAd@    @ `  n?" dd@   @@``PR    @ ` `6p>> ..)*( .(  ((T Z g~ ( "gZ ~ ( T?d @?"UK2 ( T?d @?" ( ZŖ?d @?"U[  ( s lBBC`DEhFtd @`*N<<B$< $ $< T``*6<$<066$HNN 0**78@`@`" I ( Zh?d @?"ou  ( Z?d @?"b   ( Z?d @?"t z   ( ZӒ?d @?"  d  ( Z>?d @?" 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