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<title>SA-205-2008: Phishing Scams Involving Financial Institutions in the News
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<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'>The Office of the State Treasurer is forwarding the following phishing
alert from the FDIC for your information.<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'><o:p> </o:p></span></p>
<p align=center style='text-align:center'><strong><span style='font-family:
"Arial","sans-serif";color:#003366'>Special Alert</span></strong><span
style='font-size:5.0pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p>
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paragraph;mso-element-anchor-horizontal:column;mso-element-left:right;
mso-element-top:middle;mso-height-rule:exactly'><span style='font-size:10.0pt;
font-family:"Arial","sans-serif"'>SA-205-2008 <br>
October 28, 2008</span><span style='font-size:5.0pt;font-family:"Arial","sans-serif"'>
<o:p></o:p></span></p>
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<p style='margin-bottom:12.0pt'><span style='font-size:5.0pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>TO:</span><span
style='font-size:5.0pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p>
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<td width="80%" style='width:80.0%;padding:.75pt .75pt .75pt .75pt'>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>CHIEF
EXECUTIVE OFFICER</span><span style='font-size:5.0pt;font-family:"Arial","sans-serif"'>
<o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>SUBJECT:</span><span
style='font-size:5.0pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p>
</td>
<td width="80%" style='width:80.0%;padding:.75pt .75pt .75pt .75pt'>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Phishing
Scams Involving Financial Institutions in the News </span><span
style='font-size:5.0pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Summary:</span><span
style='font-size:5.0pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p>
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<td width="80%" style='width:80.0%;padding:.75pt .75pt .75pt .75pt'>
<p class=MsoNormal><em><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Fraudulent
phishing e-mails claiming to be from, or related to, financial institutions
involved in high-profile mergers, acquisitions or failures are reportedly in
circulation.</span></em><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>
</span><span style='font-size:5.0pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p>
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<p><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<p><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>The Federal
Deposit Insurance Corporation (FDIC) is warning consumers, businesses and
financial institutions to be aware of fraudulent e-mails allegedly from, or
related to, financial institutions that have been the subject of recent news
stories. Phishing e-mails often incorporate aspects of high-profile news
stories – such as bank mergers, acquisitions and failures – to
create a sense of urgency and legitimacy for requesting information or action. <o:p></o:p></span></p>
<p><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>These types
of fraudulent e-mails may request recipients to verify computer logon
credentials, update personal information, or activate new online security
features. The fraudulent e-mails may include a link that directs the recipient
to a fraudulent or "spoofed" Web site that looks similar to the
subject institution's legitimate Web site. Once there, users may be prompted to
provide information about online banking credentials or other personal and
confidential information that could be used to gain unauthorized access to
online banking services or perpetrate identity theft. These spoofed Web sites
may also direct the user to download software updates or digital certificates,
which may actually be malicious code or software attempting to collect online
banking credentials or other personal and confidential information. <o:p></o:p></span></p>
<p><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Consumers,
businesses and financial institutions should be wary of unsolicited e-mails
purportedly from financial institutions recently in the news and take the
following precautions: <o:p></o:p></span></p>
<ul type=disc>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
mso-list:l1 level1 lfo3'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Do
not follow Web links in unsolicited e-mails from apparent financial
institutions. Instead, use Web browser bookmarks or type your institution's
Web address into the browser address bar when accessing your bank's Web
site or online banking services. <o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
mso-list:l1 level1 lfo3'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Always
use anti-virus software and ensure the virus signatures are automatically
updated. Ensure the computer operating system and common software
applications are up-to-date with security patches installed. <o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
mso-list:l1 level1 lfo3'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Do
not open unsolicited or unexpected e-mail attachments claiming to be from
a financial institution because of the risk of malicious code or software.
As a precaution, call the financial institution using an appropriate
telephone number, such as one from an account statement, to validate the
e-mail and attached file before opening any attachment. <o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
mso-list:l1 level1 lfo3'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Be
aware that phishing e-mails frequently use new and innovative ways to
trick recipients into providing logon credentials and confidential
information or into unleashing malicious code. <o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
mso-list:l1 level1 lfo3'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Regularly
review financial account statements and immediately report any
discrepancies to your institution. <o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
mso-list:l1 level1 lfo3'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Be
mindful that financial institutions generally deliver notices to consumers
in writing about changes in account terms and conditions unless the
consumer previously agreed to receive the notice electronically. <o:p></o:p></span></li>
</ul>
<p><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>For
additional information about safe online banking and avoiding online scams,
visit <a href="http://www.fdic.gov/consumers/consumer/guard/">http://www.fdic.gov/consumers/consumer/guard/</a>.
<o:p></o:p></span></p>
<p><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>For your
reference, FDIC Special Alerts may be accessed from the FDIC's Web site at <a
href="http://www.fdic.gov/news/news/SpecialAlert/2008/index.html">www.fdic.gov/news/news/SpecialAlert/2008/index.html</a>.
To learn how to automatically receive FDIC Special Alerts via e-mail, please
visit <a href="http://www.fdic.gov/about/subscriptions/index.html">www.fdic.gov/about/subscriptions/index.html</a>.
<o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Sandra
L. Thompson</span><span style='font-size:5.0pt;font-family:"Arial","sans-serif"'>
<o:p></o:p></span></p>
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<td width="50%" style='width:50.0%;padding:0in 0in 0in 0in'>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Director
<br>
Division of Supervision and Consumer Protection</span><span style='font-size:
5.0pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p>
</td>
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<p><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Distribution:
FDIC-supervised Banks (Commercial and Savings) <o:p></o:p></span></p>
<p><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Paper copies
of FDIC Special Alerts may be obtained through the FDIC's Public Information
Center, 1-877-275-3342 or 703-562-2200. <o:p></o:p></span></p>
<p style='margin-bottom:12.0pt'><span style='font-size:5.0pt;font-family:"Arial","sans-serif"'><br>
<br>
<o:p></o:p></span></p>
<p class=physicaladdress> <o:p></o:p></p>
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