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<div class="WordSection1">
<p class="MsoNormal" align="center" style="margin-bottom:12.0pt;text-align:center">
<b><span style="font-family:"Arial",sans-serif;color:#1F497D">Welcome to the latest issue of Tech-Talk!<o:p></o:p></span></b></p>
<p class="MsoNormal" align="center" style="text-align:center"><b><span style="font-family:"Arial",sans-serif;color:#1F497D">Reminder:
</span></b><span style="font-family:"Arial",sans-serif;color:#1F497D">When accessing resources at the
<a href="https://www.tech-talk.com/login/oregon">Tech-Talk website</a>, use ORLIBTECH<br>
for <b>both</b> the username and password when prompted.</span><span style="font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><b><span style="font-size:9.0pt;font-family:"Arial",sans-serif">Tech-Talk is a paid subscription service for staff of Oregon libraries and is supported in whole by the Institute of Museum and Library
Services (IMLS) through the Library Services and Technology Act (LSTA), administered by the State Library of Oregon.</span></b><span style="font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
<div id="preheader">
<p class="MsoNormal" style="mso-line-height-alt:.75pt"><span style="font-size:1.0pt">New types of fraud<o:p></o:p></span></p>
</div>
<div id="tracking-image">
<p class="MsoNormal" style="mso-line-height-alt:.75pt"><span style="font-size:1.0pt"><img border="0" width="1" height="1" style="width:.0138in;height:.0138in" id="_x0000_i1097" src="https://r20.rs6.net/on.jsp?ca=109d2ff8-7d9a-4957-9803-1c2d2b69969a&a=1100778316270&c=4f52e898-6edc-11ea-9474-d4ae529a85ae&ch=69c188cc-cdfb-11eb-b3db-fa163e6b8330"></span><span style="font-size:1.0pt"><o:p></o:p></span></p>
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<b><span style="color:#428BCA">Keyur Nandaniya</span></b></a> on <a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001k3h8F5-10pOFQw4SEjUF8GA0G9aRIexjJnPyyJKQUK18rCVSn3fimmm9hLltfu8XvT2Xp5rO8ktdoVvaPfYjOE-I8Dp0MDmkeR_0__OQOuwKFNt6FWLpCvfe-UAxZJYWn0xvMYB5Pw8Y65tm9rMUQj3kup6SSb3652lQHw5M77FshPOOnPRzeVx5iZOBARPnK64RoB0DU-1Tkgfp2UKumHFyECDNWaA-u3C5vUfuhGBwuZhfFEbUwLOQHXa2y9hdzncP75OQfUuy0b43WWWz_w%3D%3D%26c%3DBTqyrGOXU-S3h74Ad6nWWdjPI80sshYF7sV68nZ6-YAUJCY43rpmUA%3D%3D%26ch%3DVmWA99lYD914Q4L7_z9Jv1tzS6M3N9XOu9qJMSJL5DHnUgXilfUIXw%3D%3D&data=05%7C01%7CDarci.HANNING%40slo.oregon.gov%7C5d191202d99147d3202c08db2a32a73f%7Caa3f6932fa7c47b4a0cea598cad161cf%7C0%7C0%7C638150169274776809%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=HjClY5Gmviq6aefk9lrywSXTzc7aY4lurBCj%2BP1w9SA%3D&reserved=0" target="_blank">
<b><span style="color:#428BCA">Unsplash</span></b></a><o:p></o:p></span></p>
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<span style="color:black"><img border="0" width="6" height="1" style="width:.0625in;height:.0138in" id="_x0000_i1089" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif"></span><o:p></o:p></p>
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<p><b><span style="font-size:15.0pt;font-family:"Arial",sans-serif;color:#315FC3">The Scammers are Escalating - They Can Dupe You</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p>
<p><i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">Novice</span></i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p>
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<img border="0" width="15" height="1" style="width:.1597in;height:.0138in" id="_x0000_i1088" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"><o:p></o:p></p>
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<p class="MsoNormal" align="right" style="text-align:right"><img border="0" width="278" height="185" style="width:2.8958in;height:1.9236in" id="_x0000_i1087" src="https://files.constantcontact.com/ee1208b4001/e06fd699-045e-4728-a273-422f1232f389.png" alt="fraud"><o:p></o:p></p>
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<img border="0" width="1" height="5" style="width:.0138in;height:.0555in" id="_x0000_i1085" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"><o:p></o:p></p>
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<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">We like to start our Tech-Talk articles with a story or situation before diving into the tip or the "how-to" steps to add some context. This story is extremely personal as it
happened to me, Deborah (one of the Tech-Talk writers). I didn't want to share it at first as it is embarrassing. Why? Because I SHOULD KNOW BETTER.
<o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">But it happened… and as uncomfortable as I feel, educating others so that this type of deception won't happen to you … makes it worthwhile to share. <o:p></o:p></span></p>
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<span style="color:black"><img border="0" width="6" height="1" style="width:.0625in;height:.0138in" id="_x0000_i1084" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif"></span><o:p></o:p></p>
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<p class="MsoNormal" align="center" style="text-align:center"><o:p> </o:p></p>
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<p><b><span style="font-size:13.5pt;font-family:"Arial",sans-serif;color:#315FC3">How the Scam Started</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><img border="0" width="272" height="181" style="width:2.8333in;height:1.8819in" id="_x0000_i1083" src="https://files.constantcontact.com/ee1208b4001/d880da3b-c620-4097-9939-facf6284d592.png" alt="credit card fraud"><o:p></o:p></p>
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<img border="0" width="15" height="1" style="width:.1597in;height:.0138in" id="_x0000_i1082" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"><o:p></o:p></p>
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<img border="0" width="1" height="5" style="width:.0138in;height:.0555in" id="_x0000_i1081" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"><o:p></o:p></p>
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<p><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">A few weeks ago,</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"> I traveled to Colorado for my annual vacation with my sister. We
skied, hiked, and had many lovely meals out. Of course, I used my credit card so when I got home I went online to review the transactions and make a payment. I found multiple charges that I HAD NOT made that were posted that very same day, so I called my bank.
Of course, they shut the card down immediately, submitted a report, and sent me a new card. The fraudulent transactions were reversed within a few days. <o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">You never know how someone gets ahold of your credit card, right?
</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">I always cringe when at a restaurant and my card is taken out of my site to be processed. That’s why I always review my account several times a month. Most credit card
companies are very good about crediting scam charges… <b>as long as they are reported right away.</b> So, all is well… or so I thought.
<o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">Now let's jump to four days later,</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"> a Friday morning. I'm going to outline the 3-day
succession of texts and phone calls so that you can get a feel for what happened and
<b>how the scammer "groomed" me and built trust</b>. And then we'll review the red flags, what I learned from this experience, and what you can do to protect yourself.<o:p></o:p></span></p>
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<span style="color:black"><img border="0" width="6" height="1" style="width:.0625in;height:.0138in" id="_x0000_i1079" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif"></span><o:p></o:p></p>
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<p class="MsoNormal" align="center" style="text-align:center"><o:p> </o:p></p>
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<p><b><span style="font-size:13.5pt;font-family:"Arial",sans-serif;color:#315FC3">The Scammer’s Grooming of Me
</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">It was one of those moments when the hair on the back of your neck stands up.<o:p></o:p></span></p>
<p><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">Friday:</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l2 level1 lfo4">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER - Text:</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">
<i>[My Bank’s Name] Did you attempt a $1000 Zelle payment on 2/1? Reply YES or NO.</i>
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l2 level1 lfo4">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">ME - Text:</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">
<i>NO</i> <o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l2 level1 lfo4">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">
<b>- Text: </b>[<i>My Bank’s Name] We have put a hold on your card. <b>One of our agents will be contacting you shortly.</b></i>
<o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">My CELL PHONE rings
<i>immediately</i>.</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l6 level1 lfo5">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">:
<i>This is Chad at [My Bank’s Name] in the fraud department. We see a $1000 charge attempt to Zelle. You have indicated that you did not make the charge.</i>
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l6 level1 lfo5">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">ME</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">:
<i>Correct</i>. <o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l6 level1 lfo5">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">:
<i>Please verify your [My Bank’s Name] Username so that we can look into this further.
</i><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l6 level1 lfo5">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">ME</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">:
<i>Oh no, my credit card was compromised earlier this week, is this something to do with that?
</i><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l6 level1 lfo5">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">:
<i>Yes, once they infiltrate your account, they can get to other parts of it. What is your Username so we can verify your account?</i>
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l6 level1 lfo5">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">ME:</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">
<i>My Username is: xxxx</i> <o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l6 level1 lfo5">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">:
<i>We have done a hard reset verification assist and are texting you a code. Please read it to me.</i>
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l6 level1 lfo5">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">ME</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">: [Received text code]
<i>The code is 123456.</i> <o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l6 level1 lfo5">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">:
<b><i>Please don’t log into your account</i></b><i> while we’re researching this. We will call you back tomorrow morning at 10 am.</i>
<o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">Saturday: My CELL PHONE rings.</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l0 level1 lfo6">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">:
<i>This is Chad from [My Bank’s Name]. We are still monitoring your account. No new charges have been identified. We have submitted a Zelle $1000 reversal. We are texting you another code for an additional hard reset of your account. Please tell me the code.</i>
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l0 level1 lfo6">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">ME</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">: [Received text code] The code is 123456.
<o:p></o:p></span></p>
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<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">:
<b><i>Please don’t log into your account </i></b><i>while we’re researching this. We will call you back tomorrow morning at 10 am.</i>
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l0 level1 lfo6">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">ME:</span></b><i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"> But why can’t I log into my account?</span></i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l0 level1 lfo6">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER:</span></b><i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"> We are trying to track whoever breached your
account so that we can pinpoint the location and notify the authorities. We will call you tomorrow.</span></i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">
<o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">Sunday: My CELL PHONE rings.</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l5 level1 lfo7">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">:
<i>This is Chad from [My Bank Name]. We see new potential unauthorized charges on your account.
<b>Please give me your password</b> so that we can do a hard password reset.</i> <o:p>
</o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l5 level1 lfo7">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">ME</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">:
<i>But I have been told to NEVER give my password over the phone. </i><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l5 level1 lfo7">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER:</span></b><i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"> It is fine in this case. We already know it.</span></i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l5 level1 lfo7">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">ME:</span></b><i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"> Then why do I need to give it to you?</span></i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">
<o:p></o:p></span></p>
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<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER:</span></b><i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"> We need to verify. Let me ask you this<b>,
did you make a purchase</b> <b>yesterday </b>at XYZ Company for $29.95 and at ABC.com for $58.75?</span></i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l5 level1 lfo7">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">ME:</span></b><i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"> Yes, we made those two purchases.</span></i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l5 level1 lfo7">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER:</span></b><i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"> Please verify your password.</span></i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l5 level1 lfo7">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">ME:
</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">Ok,<i> XYZ123</i>
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:66.0pt;text-indent:-12.0pt;mso-list:l5 level1 lfo7">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">SCAMMER</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">:
<i>We have done a password hard reset verification assist. Please don’t log into your account while we’re researching this. We will call you back tomorrow morning at 10 am.</i>
<o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">Immediately after I hung up the phone panic set in as<b> I KNEW I should not have given my password</b>.
<b>I called my bank immediately </b>and the rep didn’t have to tell me I had been hacked, I knew it and
<b>couldn’t believe that I fell for this con</b> as I rate myself pretty tech-savvy.<o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">The real bank rep</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"> had me change my username, password and pin immediately. Then looking
at the transactions, we saw there were <b>two</b></span><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:red">
</span><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">$1000 Zelle charges and one for $500.
<b>$2500 total had been taken from my checking account. </b>She did her best to keep me calm as she took the information for the report and transferred me to their fraud department.<o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">To shorten the story, over the course of the week,
<b>since the transactions had just happened, thankfully, they were able to return the funds to my account.</b> But not all people are that lucky.
<o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif;color:black"></span><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p>
<p><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">I was advised to
</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">close the checking account and set up a new one as it was compromised -- as well as other precautionary items which are outlined lower in this article.
<o:p></o:p></span></p>
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<span style="color:black"><img border="0" width="6" height="1" style="width:.0625in;height:.0138in" id="_x0000_i1078" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif"></span><o:p></o:p></p>
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<p class="MsoNormal" align="center" style="text-align:center"><o:p> </o:p></p>
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<p class="MsoNormal"><img border="0" width="55" height="60" style="width:.5694in;height:.625in" id="_x0000_i1077" src="https://files.constantcontact.com/ee1208b4001/f6f70f3d-2ce8-40c6-b61a-93d0363a81b0.png"><o:p></o:p></p>
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<img border="0" width="15" height="1" style="width:.1597in;height:.0138in" id="_x0000_i1076" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"><o:p></o:p></p>
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<img border="0" width="1" height="5" style="width:.0138in;height:.0555in" id="_x0000_i1075" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"><o:p></o:p></p>
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<img border="0" width="5" height="1" style="width:.0555in;height:.0138in" id="_x0000_i1074" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"><o:p></o:p></p>
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<p><b><span style="font-size:15.0pt;font-family:"Arial",sans-serif;color:#315FC3">Did You Catch All of the RED FLAGS?
</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">There were a number of
</span><b><i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#C03E30">red flags</span></i></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"> all along.
<b>Did you catch them all?</b><o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">See how many
</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">things were said that
<b><i>should </i></b>have caught my attention so that I would not have fallen prey to this scammer.<b>
</b><a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001k3h8F5-10pOFQw4SEjUF8GA0G9aRIexjJnPyyJKQUK18rCVSn3fimmm9hLltfu8X_kzNtzyDC_qWTf9Pl538Uy3c-wzhMQ3pO21hqUw8TkPeA4yPOMAIe_T61kfd5uBm2CUc1ZGY7j7__SkfsilH0TKVnCB4ifyla4KrMS-eEiRLvqanlcF8OxSjZXBWCT-WuyKoWg6yfQfnnPJtuECHKA%3D%3D%26c%3DBTqyrGOXU-S3h74Ad6nWWdjPI80sshYF7sV68nZ6-YAUJCY43rpmUA%3D%3D%26ch%3DVmWA99lYD914Q4L7_z9Jv1tzS6M3N9XOu9qJMSJL5DHnUgXilfUIXw%3D%3D&data=05%7C01%7CDarci.HANNING%40slo.oregon.gov%7C5d191202d99147d3202c08db2a32a73f%7Caa3f6932fa7c47b4a0cea598cad161cf%7C0%7C0%7C638150169274776809%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=%2Fc4HiY9TZ542yMOBIgNV%2Bz%2B19Jym4d3Ksif1EjXmXLg%3D&reserved=0" target="_blank"><b><span style="color:#C03E30">Read
the REST of the story here > > ></span></b></a><o:p></o:p></span></p>
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<p class="MsoNormal" align="center" style="text-align:center"><o:p> </o:p></p>
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<span style="color:black"><img border="0" width="5" height="1" style="width:.0555in;height:.0138in" id="_x0000_i1073" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif"></span><o:p></o:p></p>
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<p class="MsoNormal" align="center" style="text-align:center"><o:p> </o:p></p>
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<p class="MsoNormal"><img border="0" width="200" height="136" style="width:2.0833in;height:1.4166in" id="_x0000_i1072" src="https://files.constantcontact.com/ee1208b4001/f8f1ecc8-4884-4c21-8ed0-cf647e6db944.png"><o:p></o:p></p>
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<img border="0" width="15" height="1" style="width:.1597in;height:.0138in" id="_x0000_i1071" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"><o:p></o:p></p>
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<img border="0" width="1" height="5" style="width:.0138in;height:.0555in" id="_x0000_i1070" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"><o:p></o:p></p>
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<img border="0" width="5" height="1" style="width:.0555in;height:.0138in" id="_x0000_i1069" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"><o:p></o:p></p>
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<p><b><span style="font-size:13.5pt;font-family:"Arial",sans-serif;color:#333333">Communications: Writing/Talking</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p>
<p><i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">Remember vs. Don't Forget
</span></i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">It's so easy to tell someone,
<i>"Don't forget to ..."</i><o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">But, if you change that up to,
<i>"Please remember to ..."</i> you'd be better off. Why?<o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">Because you don't want to reinforce the negative.
</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">Which word do you want to linger in your friend's mind: "forget" or "remember"?<o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">It's a little thing, but switching to the positive in the words we choose is not only more effective, but is uplifting of others.<o:p></o:p></span></p>
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<p class="MsoNormal" align="center" style="text-align:center"><o:p> </o:p></p>
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<img border="0" width="5" height="1" style="width:.0555in;height:.0138in" id="_x0000_i1064" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"><o:p></o:p></p>
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<p><b><span style="font-size:13.5pt;font-family:"Arial",sans-serif;color:black">Leadership
</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p>
<p><i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">A productivity idea
</span></i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">If you can work your way past the
<i>triple</i> negative, this quote attributed to the quality expert, <i>Peter Drucker,</i> has an excellent message.<o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><b><i><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">"Nothing is less productive than to make more efficient what should not be done at all.”</span></i></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"> <o:p></o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black"><o:p> </o:p></span></p>
<p><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">When you're looking at increasing productivity, perhaps assessing which activities are no longer necessary would be a good first step.<o:p></o:p></span></p>
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<p><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#333333">Copyright 1996-2023 Shared Results International. Published weekly. Distribution is limited by license. For information on how to include additional recipients, contact
<a href="mailto:support@tech-talk.com">support@tech-talk.com</a> 941-355-2092. </span><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:black"><o:p></o:p></span></p>
<p><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p><span style="font-family:"Arial",sans-serif">Cheers,<o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt">Darci Hanning, MLIS (she/her/hers)<o:p></o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:12.0pt">Public Library Consultant / CE Coordinator<br>
<b>Continuing Education Resources: </b><a href="https://libguides.osl.state.or.us/conted"><span style="color:#0563C1">https://libguides.osl.state.or.us/conted</span></a><span style="font-size:8.0pt"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:115%">State Library of Oregon <b>|</b> Library Support and Development Services
<o:p></o:p></p>
<p class="MsoNormal" style="line-height:115%">971-375-3491 <b>|</b> <a href="mailto:darci.hanning@slo.oregon.gov">
<span style="color:#0563C1">darci.hanning@slo.oregon.gov</span></a> <b>|</b> <a href="http://www.oregon.gov/library">
<span style="color:#0563C1">www.oregon.gov/library</span></a> <u><span style="color:#0563C1"><o:p></o:p></span></u></p>
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