The frequency and sophistication of fraudulent activity will continue to increase. As a general rule you should be very careful about giving out your personal information over the Internet. - Be suspicious of any email with urgent requests for personal financial information. - Don’t click the links in an email, instant message or chat if you suspect the message might not be authentic or you don’t recognize the sender or user’s address. - Always ensure that you’re using a secure website when submitting credit card or other sensitive information via your web browser. Remember not all scam sites will try to show the “https:” and/or the security lock. Get in the habit of looking at the address line as well. - Regularly logon to your online accounts and check your bank, credit and debit card statements to ensure that all transactions are legitimate. - Ensure that your browser is up-to-date and security patches have been applied. - Always report “phishing” or “spoofed” emails.