Fraudulent Mail - Crown Financial & Merchant Bank Plc

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Fraudulent Correspondence

Crown Financial & Merchant Bank Plc (CFMB)  will not ask you to disclose sensitive personal information in unsolicited e-mails, telephone calls or instant messages.

Be aware of fraudulent correspondence ("Phishing"). With the heightened media attention regarding the theft of personal data, many consumers and investors are expressing concern over the privacy and integrity of their personal data. For that reason, it is important to address the subject known as "phishing."

Phishing is a type of fraud in which e-mail messages, instant messages and websites are used to deceive individuals into providing confidential, personal information. The term itself is a play-on-words for "fishing," the "ph" representing "password harvesting" - the idea that people will "take the bait" that is set for them and disclose personal information that can be used for credit card fraud and other serious violations of their privacy.

Phony e-mails generally appear to be sent from legitimate companies, asking users to either reply or link to a web page to update their personal information or risk closing or suspension of their accounts. The phony e-mails sometimes contain the company's logo and even an address. Among the data typically requested are the user's name and address; Social Security number; account numbers and passwords; bank account and credit card information - sometimes even the account holder's mother's maiden name, or other private information used for security purposes.

Do not click on any links in the scam email.
Do not reply to the email or contact the senders in any way.
If you have clicked on a link in the email, do not supply any information on the website that may open.
Do not open any attachments that arrive with the email.
If you think you may have compromised the safety of your bank details and/or have lost money due to fraudulent misuse of your cards, you should immediately contact your bank.

The sender’s email address doesn’t tally with the trusted organisation’s website address.
The email is sent from a completely different address or a free web mail address.
The email does not use your proper name, but uses a non-specific greeting like “dear customer”.
A sense of urgency; for example the threat that unless you act immediately your account may be closed.
A prominent website link. These can be forged or seem very similar to the proper address, but even a single character’s difference means a different website.
A request for personal information such as user name, password or bank details.
The email contains spelling and grammatical errors.
You weren't expecting to get an email from the company that appears to have sent it.
The entire text of the email is contained within an image rather than the usual text format.
The image contains an embedded hyperlink to a bogus site.

Here are measures you can take to avoid getting "hooked":
• Be alert to any unexpected e-mail, instant message, voicemail or fax that claims to be from a bank, credit card or on-line company with whom you have an account. In the event that you do receive such a message, it's a good idea to first call the customer service number on your bank, credit card or on-line statement (but not any number listed in the message) and verify whether the message is legitimate.
• Do not respond to any e-mail, phone or fax instructions that prompt you to divulge your personal information.
• Do not click on any links in a suspicious email. Clicking on such a link may cause the download of key logging or "spyware" software on your computer.
• Regularly log into your online banking, credit or debit card, or other accounts and reconcile your statement balances to ensure that all transactions are legitimate. Similarly, always review your account statements to check for unauthorized charges.
• Use up-to-date anti-virus software.
• Spam filters and even "anti-phishing" software are available to help screen out potential phishers on websites and e-mails.

If you believe CFMB's name and/or reputation has been misused in a fraudulent e-mail or other contact, please do not forward the suspected phishing e-mail, but attach it to a new email and send to
Do not provide any sensitive personal information in the e-mail, e.g. your bank account details.

Be assured that CFMB will not ask you to disclose sensitive personal information in an unsolicited e-mail, telephone call or instant message.

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