E-Mail Scam - Online Bank Phishing Scams Are Hooking Consumers

As the number of people using online banking services continues to grow, so does the increase in the number and the variety of Internet-based bank fraud scams. Below are a couple of actual examples.

Example 1



Example 2



The above are real-life examples. E-mail messages like these, often awkwardly written, include a link directing the e-mail recipient to an authentic-looking website. The site, which appears to be your bank's website, asks that you submit personal information (such as your PIN, checking account, and Social Security numbers) so the "bank" can "update" its files. The scammers’ goal is to obtain personal information for identity theft and/or bank and credit card fraud.

Don't fall prey to Internet-based bank fraud criminal activity! These types of crimes, called "phishing scams," have increased dramatically in just the past couple of years. According to the Federal Trade Commission, of the 635,173 complaints it received in 2004, 246,570 were identity theft reports and 388,603 were fraud complaints. Information provided to scam artists by unsuspecting online bank users has been a major contributing factor to these high numbers.

Here are some steps you can take to avoid being "hooked" by bank-related phishing scams:

• If you get a message or even a pop-up browser window that asks for personal information, don’t reply. Legitimate companies do not collect information in this manner; it's guaranteed to be a scam. Don't click on suspicious file attachments either.
• Keep your anti-virus and firewall software running and up-to-date. Some phishing efforts attempt to place viruses and spyware on your computer.
• Forward the bank phishing messages to the financial institutions that the scammers are impersonating. Nearly all banking websites now have e-mail addresses to which you can report phishing scams.

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The Best Way To The Internet Is Right At Home - Right Now!

Have you considered
Subscribing to Dial-Up Internet
or
Upgrading to High-Speed Internet (DSL)

NOW IS THE TIME!
November 1, 2005 - January 31, 2006

Choose one of our Internet specials

Dial-Up Internet Access*
No Activation Fee ($20 Value)
One Month Free ($20 Value)
Total Savings: $40.00

High-Speed (DSL) Internet Access**
No Activation Fee ($50 Value)
Free DSL Modem ($50 Value)
Total Savings: $100.00

*Customer has not subscribed to Dial-Up Internet service within the past 12 months.
Service must be activated 11/01/05 - 01/31/06.

**Customer has not subscribed to High-Speed (DSL) Internet service within the past 12 months.
Service must be activated 11/01/05 - 01/31/06.

Other restrictions may apply.

You are Cordially Invited
FMTC Christmas Open Houses

Thursday, December 15th, 9-11 AM
New Market Community Room

Friday, December 16th, 9-11 AM
FMTC Stanton Office

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Ask The Help Desk - Does Outlook Express Provide Holiday E-mail Stationery?

Question: I would like to send my holiday greetings this month via e-mail. I understand that Microsoft's Outlook Express provides an option to insert a holiday-themed stationery background on e-mail messages. Is this true?

Answer: Yes. Outlook Express does include pre-installed stationery themes that can be used as backgrounds on your outgoing e-mail messages. To view them, do the following:

1. With Outlook Express open, click on the small black arrow on the right side of the "Create Mail" button. You will see a list of stationery names. If the stationery you want to use is listed in the drop-down menu, simply select it and then a new message window will open that uses the stationery. Add text to your subject line, type your message, and send it to your intended recipients.
2. If the stationery you want to use isn't listed, choose "Select Stationery" from the drop-down menu. Click on the stationery you want to use in the "Select Stationery" window. As you click on the stationery names, you will see a preview of each in the "Preview" pane on the right side of the window. When you find the one you want, click the "OK" button to open a new message window that uses your choice of stationery. Add text to your subject line, type your message, and send it to your intended recipients.

If you'd like to create your own holiday-themed stationery to insert into your holiday e-mail messages, read the last section of this eNewsletter for a step-by-step tutorial.

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Great Sites To Check Out This Month

Read The Happy Side Of News
http://www.happynews.com -  HappyNews.com covers many of the national, international, entertainment, and sports stories that the big news services cover. However, Byron Reese, founder and publisher of the website, says his site's take on the world is more representative than the negative view commonly seen on TV or in newspapers. Recent headlines have included "Average Gasoline Prices Drop 25 Cents," "Post-Hurricane Rita Weather Helps Crops," and "Mosul Is Policing Its Own." Is network news making you "down in the dobber?" Try reading HappyNews.com!

The Chronicles of Narnia: The Lion, The Witch and The Wardrobe
http://adisney.go.com/disneypictures/narnia/index.html -  This month marks the long awaited film release of the popular children's fantasy novel The Lion, The Witch and The Wardrobe. Written by C.S. Lewis (AKA Clive Staples Lewis 1898-1963), the story is actually the second volume in Lewis's seven-part epic entitled The Chronicles of Narnia. Be sure to check out the movie's trailer as well as the five fascinating behind-the-scenes video clips.

Travel Wisely With Your Pet During The Holidays
http://PetTravel.com -  Are you planning to take your pet traveling with you during the holidays? Be prepared by checking out this helpful site. It links you to over 28,000 pet friendly hotels. It's also got information on how to obtain an international health certificate for your pet, quarantine and inspection information for over 100 different countries, airline pet travel requirements, travel tips for pet health and safety, and details on how to microchip your pet.

Celebrating Christmas At Graceland
http://elvis.com/graceland/calendar/elvis_christmas.asp -  Elvis Presley famously decorated his residence for the holidays. Today, the staff of Graceland continues Presley's traditions with lighted aluminum trees, a life-size nativity scene, a winding driveway with hundreds of blue lights, and trees in several rooms. If you can't take in the holiday tour in person, check out the Graceland Cam, which is available 24/7. You can also send holiday e-cards to friends and family. Each card includes an audio clip of an Elvis song.

Lyrics To Christmas Songs And Carols
http://www.nevada.edu/~blake/Christmas.songs.html -  If you are having trouble remembering whether it's "nine ladies dancing" or "nine pipers piping" on the ninth day of Christmas in the song "The Twelve Days of Christmas," this website is for you. The site provides the lyrics to 41 popular Christmas songs and 25 classic Christmas carols. It's time to "Deck the Halls!" (By the way, the correct answer is "nine ladies dancing." The eleventh day has "eleven pipers piping.")

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Short Tutorial - Create Custom Stationery Using Outlook Express

Outlook Express includes built-in stationery templates that can be used for outgoing e-mail messages. This can be especially handy this time of the year when e-mailing your holiday greetings to friends and relatives. If none of the pre-installed stationery templates fit your needs, you can create your own stationery when using Outlook Express 6 in Windows XP Home Edition by following the steps below.

1. With Outlook Express open, click on the small black arrow on the right side of the "Create Mail" button. Choose "Select Stationery" from the drop-down menu.
2. At the bottom right of the "Select Stationery" window, click the "Create new" button to open the Stationery Setup Wizard. Click the "Next" button.
3. To find a photo on your computer to use as a background, click on the "Browse" button under the "Picture" section.
4. Navigate to the location where your photo is stored on your hard drive and then click on the photo to select it. Your background photo's name should now be shown in the "File name" box. Click the "Open" button.
5. Select how you want your background photo to be displayed in your message by experimenting with the options under the "Position" section. (The "Preview" section to the right of the window will help you decide by allowing you to see a small representation of what your message will look like.)
6. Choose how you want your photo to be tiled under the "Tile" section. For example, if you want to tile your photo over the entire message, select "Entire Page."
7. If your photo doesn't cover the entire background and you want to choose a background color instead of white, check the "Color" box. Then select a color from the drop-down menu in the Color section. Click the "Next" button.
8. Choose the font, font size, and font color that you want your messages to be when using the stationery that you are creating. Then click the "Next" button.
9. Choose the size of your left and top margins. Then click the "Next" button.
10. Name your stationery by typing a title into the "Name" field. Click the "Finish" button to create your new stationery. You will be taken back to the "Select Stationery" window.
11. Select your new stationery from the list and click "OK."

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We hope you found this newsletter to be informative. It's our way of keeping you posted on the happenings at our shop. If, however, you'd prefer not to receive these bulletins on a monthly basis, click HERE.

Thanks for your business!

Best regards,

Kevin T. Cabbage
General Manager
Farmers Mutual Telephone Company



Telephone:
1-800-205-1110

Technical Support Hours:

24 Hours a Day, 7 Days a week 365 Days a year

Telephone support is available for connection and Internet-software problems. They cannot answer general usage ("How do I....") questions. You should refer to any help files and use email or UseNet for these types of questions.

Email:
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Farmers Mutual Telephone Co. Stanton
410 Broad Ave
Stanton, IA 51573-0220

(We have used our best efforts in collecting and preparing the information published herein. However, we do not assume, and hereby disclaim, any and all liability for any loss or damage caused by errors or omissions, whether such errors or omissions resulted from negligence, accident, or other causes.)

©2005 Cornerstone Publishing Group Inc.

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