AVOID BECOMING THE NEXT VICTIM

1. SCAMS WORTHY OF TRUST AND CONFIDENCE AVOID BECOMING THE NEXT VICTIM

2. COUNTERFEIT CHECKS WORTHY OF TRUST AND CONFIDENCE • Use “Off-the-Shelf” Check • Writing Software • Use High Quality Scanners • Printers and Paper YOUR NAME HERE • May Contain Security Features • (ie. Watermarks, Micro Printing) • Bank Account #s and • Routing #s May Be Real • (obtained thru ID Theft) • Printed with Names of Legitimate • Financial Institutions and • Companies (US or Foreign) • Money Orders • Cashiers Checks • Personal Checks • Corporate Checks • Travelers Checks • U.S. Treasury Checks YOUR NAME HERE

3. COUNTERFEIT CHECKS WORTHY OF TRUST AND CONFIDENCE YOUR NAME HERE • The suspect wants the victim to send the money • before the victim finds out the check is counterfeit. • Just because funds are available on a check you’ve • deposited, does not mean the check is good !!!!! • Until the bank tells you the check has cleared, • YOU ARE LIABLE !!!!

4. ONLINE AUCTION / CLASSIFIED AD SCAM WORTHY OF TRUST AND CONFIDENCE craigslist • “Buyer” sends overpayment for goods to cover S&H • “Buyer” requests refund via wire transfer for remainder • of money • “Buyer’s” payment is fraudulent and Seller loses the $ OR • “Buyer” sends exact payment for goods • “Buyer” waits for the Seller to deposit payment • “Buyer” demands a refund due to family emergency, • financial crisis, etc. • “Buyer’s” payment is fraudulent and Seller loses the • money

5. ONLINE AUCTION / CLASSIFIED AD SCAM WORTHY OF TRUST AND CONFIDENCE craigslist • “Seller” advertises a valuable item at an extreme • discount • Buyer attracted by the allure of a bargain • “Seller” demands Buyer use a wire transfer service for • payment • “Seller” never sends the item and the Buyer left with • loss

6. SECRET SHOPPER SCAM WORTHY OF TRUST AND CONFIDENCE • Victim hired to evaluate a store and/or • wire transfer service • Victim sent counterfeit checks, money orders, • etc. • Victim cashes/deposits checks, money orders, etc. • Victim instructed to go shopping with a certain amount • of the money and wire transfer the remainder back to • “employer” • “Employer” may authorize the victim to keep the • merchandise or a % of the money • Checks or money orders are fraudulent and victim is • held accountable for the loss by their bank

7. WORTHY OF TRUST AND CONFIDENCE MONEY MULE $$$ A money mule is a person who transfers stolen money or merchandise from one country to another. The term is commonly used to describe on-line scams that prey on victims who are unaware that the money or merchandise they are transferring is stolen. In these scams, the stolen money or merchandise is transferred from the victim's country to the scam operator's country.

8. WORTHY OF TRUST AND CONFIDENCE

9. WORTHY OF TRUST AND CONFIDENCE

10. EMPLOYMENT SCAM WORTHY OF TRUST AND CONFIDENCE • “Employer” advertises the job opening in a legitimate • forum (ie. online or in the newspaper) • Example job titles are Customer Service Rep, Account • Manager, Personal Assistant, Distribution Manager, • Regional Sales Specialist, etc. • “Employer” can claim to be in any industry from • electronics and computers to hardware and textiles • “Employer” may require victim to open a “business” • bank account or provide their own bank account • information to conduct business

11. EMPLOYMENT SCAM WORTHY OF TRUST AND CONFIDENCE • Victim’s job responsibilities include depositing checks • or money orders OR receiving direct deposits into their • bank account. Victim instructed to wire transfer the • money to someone designated by the “Employer” • Victim may be allowed to keep a % of the money as • payment • Checks, money orders or deposits are fraudulent and • victim is held accountable for the loss by their bank

12. EMPLOYMENT SCAM WORTHY OF TRUST AND CONFIDENCE VARIATION: Victim may be asked to receive merchandise at their address as one of their job responsibilities (ie. electronics, jewelry, clothing, etc.) and then forward that merchandise to other locations (both U.S. and overseas) Merchandise is purchased with stolen credit cards or through other fraudulent means. Victim held accountable.

13. LAW ENFORCEMENT SCAMS WORTHY OF TRUST AND CONFIDENCE • E-Mail purports to be from a high-ranking FBI official • (ie. Assistant Director) or from the U.S. Secret Service, • U.S. Customs and Border Protection, etc. • Attempts to defraud money out of the victim using the • name and reputation of a federal government official to • create an air of authenticity • E-Mail claims that the results of an investigation have • authorized or legitimized the money you are to receive • E-Mail may threaten recipient with arrest or fines if • they do not wire money as instructed due to some • “regulations” or may ask for personal information

14. USSS SCAM EMAIL WORTHY OF TRUST AND CONFIDENCE

15. FBI SCAM WORTHY OF TRUST AND CONFIDENCE

16. NIGERIAN ADVANCE FEE / 419 SCAMS WORTHY OF TRUST AND CONFIDENCE CHARACTERISTICS: • Many different cover stories • (ie. lottery, inheritance, business deal, • charity, etc.) • Government Official, Lawyer, Judge, Law Enforcement, • Doctor, Widow, CEO • Official Looking Documents or Checks • Sense of Urgency • Confidential nature emphasized • “Wire”, “Send”, “Ship” $ or Deposit $ Into Account • Delivered by Regular Mail, E-Mail/Internet, Telephone

17. CREDIT CARD SECURITY SCAM WORTHY OF TRUST AND CONFIDENCE • Scammer calls purporting to be a fraud investigator • from your credit card company • Claims that some fraudulent activity has occurred on • your account but they will help get the charges • reversed • Before they can reverse the charges, however, the • scammer states that they need to confirm your social • security number, mother’s maiden name, CVV or • CVC number, etc.

18. PHISHING WORTHY OF TRUST AND CONFIDENCE • A fraudulent scheme involving ID Theft • typically by email. • Sender pretends to be a legitimate company • or bank. • Use a website/logo that • looks like that of • the legitimate • company.

19. PHISHING EXAMPLE WORTHY OF TRUST AND CONFIDENCE

20. PHISHING EXAMPLE WORTHY OF TRUST AND CONFIDENCE

21. PHISHING EXAMPLE WORTHY OF TRUST AND CONFIDENCE

22. PHISHING EXAMPLE WORTHY OF TRUST AND CONFIDENCE

23. WORTHY OF TRUST AND CONFIDENCE A fraudulent scheme involving ID Theft by email is called “PHISHING”. What is a fraudulent scheme using SMS texting on cell phones called? SMISHING

24. HITMAN SCAM EMAIL TO: YOUR NAME HERE <YOUR EMAIL ADDRESS HERE> FROM: Unidentified <undisclosed.email@yahoo.com> Subject: Stay Alive...........Attention,I want you to read this message very carefully, and keep the secret with you till further notice, You have no need of knowing who i am, where am i. i have being paid $50, 000 in advance to terminate you with some reasons listed to me by my employer, its one i believe you call a friend and a person you deal with everyday. i have followed you closely for one week and tree days now and have seen that you are innocent of the accusation. Do not contact the police or try to send a copy of this to them, because if you do i will know, and might be pushed to do what i have being paid to do. Now listen, from you i need the amount of $50,000. After you pay me you have nothing to be afraid of. Respond to this email as soon as possible and I will provide information to you as to which account to pay the money to. Once I receive the money, i will give you a tape I have showing his request for me to terminate you, which will be enough evidence for you to take him to court (if you wish to).You don't need my phone contact for now till I am assured you are ready to comply. Once again, if you contact the police, this deal is off and i will terminate you……Lucky You, X WORTHY OF TRUST AND CONFIDENCE

25. HITMAN SCAM WORTHY OF TRUST AND CONFIDENCE • Scammer threatens the victim with death or • kidnapping or threatens the victim’s family • Scammer tells the victim that they will not carry • out their threat if the victim pays money or provides • personal information • Scammer warns the victim not to notify the • authorities or they will be forced to carry out • their threat

26. COMPUTER VIRUS SCAMS WORTHY OF TRUST AND CONFIDENCE Hacker tricks the victim into downloading a virus, trojan, malware or spyware onto their computer. • Craigslist • United Parcel Service (UPS) • Delivery Problem • Anti-Virus “Scareware” Pop-Ups

27. COMPUTER VIRUS SCAM EXAMPLE WORTHY OF TRUST AND CONFIDENCE ** CRAIGSLIST ADVISORY --- AVOID SCAMS BY DEALING LOCALLY** Avoid: wiring money, cross-border deals, work-at-home** Beware: cashier checks, money orders, escrow, shipping** More Info: http://www.craigslist.org/about/scams.html Hi There, I am very interested in purchasing the love seat you have or sale on Craigslist. I may even be willing to pay you a little more than what you are asking if it is what I am looking for. My brother has a very similar love seat in his apartment I believe. Can you please take a look to see if what you have for sale is similar to what my brother has by clicking on the following link VID 1 ? Thanks, I look forward to hearing back from you. All the best, George

28. COMPUTER VIRUS SCAM EXAMPLE WORTHY OF TRUST AND CONFIDENCE UPS Delivery Problem NR 02908 Wednesday, March 31, 2010 5:33 AM From: "Manager Ben Rhodes" support@ups.com Add sender to Contacts To: xxxxxxxxx@xxxxxx.com Message contains attachments 1 File (47KB) UPS_invoice_6845.zip Dear customer! We were not able to deliver your postal package which was sent on the 22nd of December in time because the addressee's address is incorrect. Please print out the invoice copy attached and collect the package at our department. United Parcel Service of America.

29. COMPUTER VIRUS SCAM EXAMPLE WORTHY OF TRUST AND CONFIDENCE

30. COMPUTER VIRUS SCAM EXAMPLE WORTHY OF TRUST AND CONFIDENCE

31. WHAT SHOULD YOU DO ? WORTHY OF TRUST AND CONFIDENCE • STOP! THINK FIRST, ACT SECOND !!! • Companies/Agencies should never ask you • for your personal information over the phone • or via e-mail. DON’T RESPOND! Never give • out your personal info over the phone or • internet unless you initiate contact and you • know you are dealing with a true company • representative. • Conduct your own background investigation. • Ask family, professors or law enforcement for • guidance.

32. WORTHY OF TRUST AND CONFIDENCE QUESTIONS???

33. IRS TAX RETURN SCAM WORTHY OF TRUST AND CONFIDENCE • Rebate Phone Calls • Tax Refund E-Mails • Audit E-Mails • Check Verification Phone Calls