Recently, we have heard of a text messaging scam going around asking people their card number and PIN because their information has been compromised.

Our fraud prevention service has received several reports from credit union members who have been sent text messages stating that their accounts have been deactivated and that they need to press 1 for assistance in reactivating their accounts.

The National Credit Union Administration (NCUA) has issued an alert about a new scam targeting credit unions members.  The agency warned of fraudulent emails that appear to be from the NCUA and which ask credit union members to participate in an "Online Survey" or "Member Survey."

The email promises a $40 reward for respond to the email.  The emails are fraudulent, the NCUA warns, and may be an attempt to obtain confidential member information. The agency does not solicit such information from credit union members.

Dear National Credit Union Administration 

This e-mail is the notification of recent innovations taken by National Credit Union Administration to detect inactive customers and non-functioning mailboxes.

The inactive customers are subject to restriction and removal in the next 1 month.

Please confirm your credit card information by clicking the link below:

click here.

This notification expires April 13, 2010.

Thanks for using National Credit Union Administration!

The FBI today reminds Internet users who receive appeals to donate money in the aftermath of Tuesday’s earthquake in Haiti to apply a critical eye and do their due diligence before responding to those requests. Past tragedies and natural disasters have prompted individuals with criminal intent to solicit contributions purportedly for a charitable organization and/or a good cause.

Therefore, before making a donation of any kind, consumers should adhere to certain guidelines, to include the following:

If you see this pop-up, DO NOT enter any of your personal information. Websites requiring a log-in should use an ‘https’ website and be imbedded in the website itself. Legitimate sites would never ask you to verify your identity with a credit card number.

Recommendations to keep this from happening to you:

• Always use up-to-date antivirus and anti-malware software.
• Use web browser security tools.
• Never browse other websites while logged into E-Max.
• Always log out of E-Max when finished.
• Never enter personal information into a pop-up window, especially if you did not click a link to open it.
• To be even safer, use one browser for general web surfing and a separate browser for your online banking.

People are starting to receive e-mails and text messages asking that you call a number in order to have your account reactivated. Some may request that you leave callback information or provide your financial information directly. All of these messages are fraudulent. Please do not respond to these messages.

Do not respond to this type of communication. WECU® would never ask you for personal information by contacting you, whether by email, telephone or text message. If you did respond, please contact us immediately.

Members have reported receiving calls and/or text messages on their cell phones as a part of a phishing scam.  They were instructed to call a bogus number to reactivate the card and were then instructed to enter their card number information and PIN number.

This is a scam! WECU would never contact members and request their card information or PIN number. 

Several members have been receiving phone calls from an automated dialer claiming to be WECU, and asking if you would like to lower the interest rate on your credit card.

If you receive a phone call, do not give out any personal information. WECU® does not contact you asking for your personal information since we already have it.

If you have given out your personal information, please contact WECU® immediately at 360.676.1168.

Do not give your personal information out to someone that has called asking for it over the phone.  If you are concerned that the caller is legitimate, ask for their name and tell them that you will call them back.  Look up the number for the company on your own (do not use the one they have given you) and call and ask for the representative you were speaking with to confirm that they are a legitimate caller before you give out your information.

Dear Visa Card user,

In addition to our other ways of preventing, detecting, and
resolving fraud, we offer Verified by Visa, a free, simple-to-use
and free service that confirms your identity with an extra
password when you make an online transaction.

Since June 19 2009 we require all our customers to enroll their
visa cards in the Verified by Visa program. If you do not do so
you will not be able to shop online with your visa card.

This is a reminder to activate the Verified by Visa feature for
your card as soon as possible.

Please download the form attached to this email and open it in a
web browser. Once opened, you will be provided with steps to
activate the Verified by Visa feature.

We thank you for your prompt attention to this matter. Please
understand that this is a security measure intended to help
protect you. We apologize for any inconvenience.

Sincerely,
Visa Inc.

Delete the email and do not respond.  If you did provide your information contact our Card Services department immediately at 676-1168 ex 7360.

Do not give personal information out over the phone unless you have initiated the call.  If you are concerned if a call is legitimate, ask for the name of the company, hang up, look the number up yourself online or in the phonebook and call back.

Keep in mind that if your credit card company is calling to reduce your interest rate they should already have your card number and information on file.

Do not give out your personal credit union/bank account information for business purposes. If you do or have given out your information please contact WECU immediately at 676.1168 to prevent fraud from happening on your account.

We have received reports that members have been sent text messages about 'account security' asking them to reply via email or phone where they are then asked to enter thier card and PIN number.

Members have been receiving automated phone calls asking them to return a call to either Northcoast or BECU's fraud line.  When they call the number left on the message they are asked to enter their full card number and PIN and then warned about email hackers and account security.

Recently, we have received calls from members contacted by a caller with a foreign number and a Jamaican accent. The caller states that you have been awarded and begins asking for account information to wire the money. There have also been reports that the caller has harassed people over the phone who were hesitant to give out information, even going so far as to call back and make specific threats. This is a phone variant of a much more common lottery scam that usually takes place via email or mail. 

Keep in mind; if you win money from a lottery you have never entered you are being scammed!

A spam e-mail claiming to be from former CBP Assistant Commissioner Thomas S. Winkowski is currently being circulated. This attempt to defraud is the typical e-mail scam using the name and reputation of a federal government official to create an air of authenticity.

The spam e-mail indicates the CBP has stopped a Diplomat who is carrying a consignment to be delivered to the recipient’s residence. This consignment allegedly contains millions of dollars, which is revealed to be an inheritance for the e-mail recipient.

As with many other scams, this e-mail advises the recipient they will be permitted to access this inheritance once the recipient has given the sender of the e-mail their personal information.

This e-mail is a hoax. Do not respond.

The U.S. CBP does not send unsolicited e-mails. Consumers should not respond to unsolicited e-mails or click on any embedded links, as they may contain viruses or malware.

It is imperative consumers guard their personally identifiable information (PII). Examples of a person’s PII include, but are not limited to: date of birth; social security number; and bank account numbers. Providing your PII will compromise your identity.

If you have received this e-mail, or a similar e-mail, please file a complaint here.

United Nations Foundation
1800 Massachusetts Avenue,
NW, Suite 400
Washington,
D.C. 20036
 
Monday April 20th, 2009
 
 
Attention:
 
 
Dear Sir/Madam,
 
The United Nations Foundation (UNF), would like to notify you that you have been chosen by the Board of Trustees as one of the final recipients of £3,000,000.00 (Three million British Pounds) for your personal, business,or educational use.
 
The UN Foundation was created in 1998 with entrepreneur and philanthropist Ted Turner's historic
$1 billion gift to support UN causes and activities. The UN Foundation builds and implements
public-private partnerships to address The world's most pressing problems, and broadens support for the UN through advocacy And public outreach. The UN Foundation is a public charity and winners are selected Without any criteria.
 
You are required to contact the Finance Officer below for qualification documentation And processing of your claims. After contacting our office with the requested data, you will Be given your donation pin
number, which you will use in collecting the funds.  

Please endeavor to quote your Qualification numbers (UNF-03945-UNOG) and Amount Won in all discussions. 

Contact European Finance Officer and have your instant payment through free online banking system.
 
Dr. George Wakefield
un.ref1@sify.com
 
 
Sincerely Yours
R. E. Turner,
 
Chairman of the Board
© 2009 UN Foundation, All Rights Reserved

04/07/09—The IC3 has been alerted to the circulation of a fraudulent e-mail, purportedly from The Oprah Winfrey Show, notifying recipients of their nomination for the “Oprah Millionaire Contest Show.” To participate, recipients are requested to mail their contact information such as full name, address, telephone number, and e-mail address; however, no mailing address was provided. Verified contestants are then required to purchase airfare and a ticket to attend The Oprah Winfrey Show, as well as complete a forthcoming contest form containing personal questions. The contestants are then promised a seat for The Oprah Winfrey Show in April and asked to provide their responses to the personal questions for a chance to win a million dollars.

Consumers always need to be alert to unsolicited e-mails. Do not open unsolicited e-mails or click on any embedded links, as they may contain viruses or malware. Providing your personally identifiable information will compromise your identity!

Individuals who receive such e-mails are encouraged to file a complaint here. 

WECU has received notice of a large card compromise on our credit and debit cards at a 3rd party processor named Heartland Payment Systems.

No information stored at WECU or WECU systems were hacked into.  The numbers involved in the compromise were stolen when Heartland (a company that processes card transactions for a large number of vendors and merchants) was hacked into.

Heartland is not a vendor of WECU or associated with WECU in any way, rather they process credit card and debit card transactions for merchants that you may do business with. 

Heartland Payment Systems is one of the nation’s largest third party card processors.  When Heartland was hacked into the resulting information compromise left over 100 million card numbers across the nation vulnerable. If your card was part of the recent Heartland compromise, this means that your card information was stolen from their system as they were processing transactions for their merchant clients.

When you use your debit or credit card at a merchant location, such as a clothing store or restaurant, the business often uses a third party processor to transmit your card number. You have probably noticed that your card is swiped through a small machine. This is the device that transmits your card number to the processor, who in turn processes the transaction so the business can receive money for your purchase.

If your card was affected, you will receive a mailer explaining what has happened and a new card.  WECU employees are diligently working to protect our members but we have had over 18,000 card numbers affected by this compromise and appreciate your patience.

Please contact WECU if you regularly use your card in Canada or other foreign countries or have upcoming travel plans.

For more information contact WECU's Card Services Department at 676.1168 ext.7360

The FTC says the number of complaints about this type of scam is on the rise. In some cases, the scammers know the names of family members and manage a deft impersonation. In others, they trick a grandparent into giving up a grandchild’s name. The callers often claim to be in Canada and ask that the money be wired there. Sometimes, a third person gets in the act, pretending to be a police officer or bondsman to confirm the bogus story.

Regardless of the particulars, a grandparent’s love and concern often can outweigh their usual skepticism. In fact, say fraud fighters at the FTC, that’s what the bad guys are banking on.

At first the pone call seems like an ordinary phone call from your grandchild.  It may be — at least until the caller claims that he needs cash to fix a car, get out of jail, or leave a foreign country. He or she begs you to wire money right away and to keep the request confidential. Victims of this scam often don’t realize they’ve made a mistake until days later, when they speak to their grandchild and he knows nothing about the phone call. By then, the money the grandparent wired is not only long gone, but also irretrievable. Scammers usually pressure people to wire money through commercial money transfer companies like Western Union and Money Gram because wiring money is the same as sending cash. The chances of recovery are slim to none.

If you can’t reach a family member and still aren’t sure what to do, call your local police on the non-emergency line. They can help you sort things out.

No matter how dramatic the story, don’t wire money. Don’t send a check or money order by overnight delivery or courier, either. Con artists recommend these services so they can get your money before you realize you’ve been cheated.

Report possible fraud at ftc.gov or by calling 1-877-FTC-HELP.

We are currently receiving calls regarding a telephone phishing scam. WECU members and local non-members have been receiving the fraudulent calls. The incident began with random calls and/or text messages stating that “your WECU debit or credit card has limited access and/or your account has been locked due to suspicious fraud activity.”  The cardholder was then instructed to call a phone number and provide their card number, PIN, and expiration date. 

Do not give out your card or personal information on the phone. 

While we may ask for your account number if you have initiated the call to us using one of our listed contact numbers we would not call you seeking card information we already have.  WECU already has your information on file and would not need to confirm your card number or expiration and we will never ask for your PIN.  If you have responded please contact WECU's Card Services Department at 676.1168 ex 7360 to have your card blocked.

Your card has been deactivated

For your security, we have disabled your card and PIN.

To activate your card and PIN please call our "Card Activation Line" at 1-800-494-3963

If you have any questions, we are available 24 hours a day, 7 days a week at 1-800-494-3963.  Please do not reply to this email.

Sincerly,

CUNA Card Activation Customer Service

Do not give your card information, expiration date or PIN to anyone who contacts you via telephone, Internet, or mail. Valid financial institutions will not contact you to verify information that they already have (your card number) of that they should not have on record (your PIN). 

This phishing scheme involves a fraudulent email request for sensitive information from American Express.

Dear American Express Card holder:
As part of the new security measures, all American Express Card holders are required to complete American Express Customer Form. Please complete the form as soon as possible. To access the form please click on the following link (now disabled)
Thank you for using your American Express Card.
Sincerely,
American Express Customer Service

Many of the spam e-mails currently in circulation claim to be an "official order" from the FBI's Anti-Terrorist and Monetary Crimes Division, from an alleged FBI unit in Nigeria, confirm an inheritance or contain a lottery notification, all informing recipients they have been named the beneficiary of millions of dollars. To claim the large sum, recipients are instructed to furnish their personally identifiable information (PII) and are often threatened with some type of penalty, such as prosecution, if they fail to do so. Specific PII information requested includes, but is not limited to, the recipient's name, banking information, telephone number, and a copy of their passport.

The spam e-mail allegedly from the IC3 states that the recipient has extorted money and will be given a limited amount of time to refund the money or face prosecution.

Do not respond. These e-mails are a hoax.

The FBI does not send unsolicited e-mails of this nature. FBI Executives are briefed on numerous investigations but do not personally contact consumers regarding such matters. In addition, the IC3 does not send threatening letters to consumers demanding payments for Internet crimes.

Consumers should not respond to any unsolicited e-mails or click on any embedded links associated with such e-mails, as they may contain viruses or malware.

It is imperative consumers guard their PII. Providing your PII will compromise your identity!

If you have been a victim of Internet crime, please file a complaint here.

Under this scam, a telephone call is placed to a legitimate cardholder.  The caller claims to be a representative from VISA or MasterCard informing the cardholder of suspicious card activity. The caller provides details of an unusual transaction and asks if the cardholder made this purchase, which, of course, the cardholder did not. The cardholder is then asked to verify possession of the card. To do so, the cardholder is asked to read the three-digit security code on the back of the card. The fraudster then provides a control number in the event the cardholder needs to call back with questions, making the call seem legitimate.

The caller does not ask for the credit or debit card number, and that is why some members are fooled into believing the call is legitimate. But the fraudster already has the card number; what they don’t have is the three-digit security code from the back of the card, and that is what they are after with this scam.

The three-digit code on the back of the Visa or MasterCard card is a security tool used for non face-to-face transactions. When conducting transactions that are not face-to-face, many merchants will ask the shopper for the three-digit code to complete a card authorization. If the criminal obtains this three-digit number and already has your card number, card expiration date, and billing address, the criminal may be able to obtain authorization for fraudulent transactions.

Multiple CO-OP member credit unions have recently reported a phishing scam they are experiencing. 

This fraudulent attempt to capture card numbers is done with an automated text message which claims to be from CO-OP Services Credit Union Customer Services Department and uses a four digit phone number of 3693.

The text message indicates that the member’s credit or debit card has had unusual activity. In order to restore account access, the message asks the member to call 813.600.1551 and enter their 16-digit credit or debit card number along with three additional pieces of information from their account.

CO-OP Financial Services would never refer to themselves as CO-OP Services Credit Union Customer Services Department, and would not send text messages to cardholders about their accounts.  

Delete the text without sending a response.  WECU would not contact you via text message for information regarding your debit or credit card. 

There are so many ways for perpetrators to attempt to get personal information, including the use of auto-dialers and text messages. It is important to limit the release of personal information in order to protect yourself from fraud.

As with many scams, the e-mail advises the recipient that they are the beneficiary of a large sum of money which they will be permitted to access once fees are paid and personal banking information is provided. The appearance of the e-mail leads the reader to believe that it is from FBI Deputy Director John S. Pistole.

This e-mail is a hoax. Do not respond. 

These fraud schemes claim to be from domestic as well as international FBI offices. The typical types of schemes utilizing the names of FBI officials and/or the FBI are lottery endorsements and inheritance notifications but can cover a range of scams from threats and malicious computer program attachments (malware) to online auction scams.

These scams use the social engineering technique of employing the FBI's name to intimidate and convince the recipient the e-mail is legitimate.

Please be cautious of any unsolicited e-mail referencing the FBI, Director Mueller, Deputy Director Pistole or any other FBI official claiming that the FBI is endorsing any type of Internet activity.

Always be cautious when responding to requests or special offers delivered through unsolicited e-mail:

• Guard your personal information as well as your account information carefully.
• You should never give any personal, credit, or banking information in response to unsolicited e-mails.

Consumers always need to be alert to unsolicited e-mails. Do not open unsolicited e-mails or click on any embedded links, as they may contain viruses or malware. Providing your PII will compromise your identity!

If you have received this e-mail, or a similar e-mail, please file a complaint here.

In this e-mail scam, the sender claims to be a representative of the CO-OP Network asking for cardholder information.  The email is fraudulent; CO-OP Network never contacts credit union members directly and never requests personal account information. The email should be considered a deceitful attempt to obtain cardholder information with the intent of committing fraudulent activity against your accounts.

Don't fall for economic stimulus scam

MADISON, Wis. (6/11/08)--Be on the lookout for an e-mail from the Internal Revenue Service (IRS) encouraging you to submit a form to make sure you get your economic stimulus check. Why? The e-mail is not from the IRS, and if you click on the link, it's likely you'll be the victim of a scam, according to the Credit Union National Association's (CUNA's) center for personal finance.

Susan Tiffany, CUNA's director of adult education, warns recipients to report the crime and then hit the delete key. "It's a very convincing-looking scam that's sure to trip up many folks who fear missing out on their stimulus check," says Tiffany.

The e-mail Tiffany received urges the reader to click on a link in the e-mail, fill out a form, and submit the form before June 10 for a speedy refund. The end of the message acknowledges that you may have received the e-mail in your spam folder "because of the large amount of e-mails we are sending out or because of the restrictions implemented by your ISP (Internet service provider)."

Don't fall for that line, either. The message is a ploy to redirect you to the crook's website to capture your personal information and commit fraud.

The IRS cautioned taxpayers to be on the lookout for scams involving proposed advance payment checks. Although the government has not yet enacted an economic stimulus package in which the IRS would provide advance payments, known informally as rebates to many Americans, a scam which uses the proposed rebates as bait has already cropped up.

The goal of the scams is to trick people into revealing personal and financial information, such as Social Security, bank account or credit card numbers, which the scammers can use to commit identity theft.

Typically, identity thieves use a victim’s personal and financial data to empty the victim’s financial accounts, run up charges on the victim’s existing credit cards, apply for new loans, credit cards, services or benefits in the victim’s name, file fraudulent tax returns or even commit crimes. Most of these fraudulent activities can be committed electronically from a remote location, including overseas. Committing these activities in cyberspace allows scamsters to act quickly and cover their tracks before the victim becomes aware of the theft.

People whose identities have been stolen can spend months or years — and their hard-earned money — cleaning up the mess thieves have made of their reputations and credit records. In the meantime, victims may lose job opportunities, may be refused loans, education, housing or cars, or even get arrested for crimes they didn't commit.

 For more information, click here.

Anyone wishing to access the IRS Web site should initiate contact by typing the IRS.gov address into their Internet address window, rather than clicking on a link in an e-mail or opening an attachment.

Those who have received a questionable e-mail claiming to come from the IRS may forward it to a mailbox the IRS has established to receive such e-mails, phishing@irs.gov, using instructions contained in an article titled “How to Protect Yourself from Suspicious E-Mails or Phishing Schemes.” Following the instructions will help the IRS track the suspicious e-mail to its origins and shut down the scam. Find the article by visiting IRS.gov and entering the words “suspicious e-mails” into the search box in the upper right corner of the front page.

Those who have received a questionable telephone call that claims to come from the IRS may also use the phishing@irs.gov mailbox to notify the IRS of the scam.  

Notice to All Members!

Valued Member,

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all Credit Unions to obtain, verify, and record information that identifies each person who has an account, including investors in transactions for which we act as advisor.

What this means for you:

If you are a member of (insert Credit Union name) please provide your name, social security number, address, and date of birth, financial information and/or other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Please follow the link below to continue: (Link has been removed for your protection)

We appreciate your cooperation with this. Thank you.

Sincerely,

Detecting a fraudulent e-mail can be difficult. Here are a few things to keep in mind:

Be suspicious of any e-mail with urgent requests for personal financial information.
Don't use the links in such an e-mail.
Phisher e-mails are typically NOT personalized.

Do not reply to the e-mail or click on any provided links. Delete the email from your inbox.

hello dear,

you have been nominated in our email and name balloting, in this year nominate your teacher of the year email balloting, which was advertised in (www.jumpy.it <http://www.jumpy.it/> ) web site engine banner, you where nominated by your old students and your email address  and your name  was  forwarded to our balloting agent, you email address will be forwarded  PROF, NADAL. for a good financial reward of USD.700,000. that is, seven hundred thousand UNITED STATE DOLLARS. on your enviable profession.

this philanthropic initiative is organised by PROF, SALAS NADAL. a man who was made  acquire education from a teacher after he lost his parent in a ghastly car crash when he was 6years old, and sadly he lost the teacher who gave him all in life,  when he made his first million US dollars, at the age of 26, since then this philanthropist have made it mandatory to give 10% of his yearly profit to teachers worldwide, via  email and name voting from old  students being a billionaire at age of 46, this organisation was initiated by PROF, NADAL  philanthropic effort since five years ago to date, please to avoid multiple claims from our winners kindly submit code number 3720/3209. to PROF, NADAL, Secretary to these email address, (notasha_444@yahoo.com)your Entire Inheritances fund has been credited in your favour through ATM card.You are therefore adviced to send your contact to MR, DAVID OFFOR,  of Summit UNIONInternational Bank Operations department,Summit International LONDON:EMAIL (davoffor@yahoo.co.uk) or mrs, MARY JOHNSON  on # +4470457707094.

for the collection of your original payment slip with your ATM card.

You will be issued with an ATM card that you can use to withdraw money in any ATM machine in any part of the world, but the maximum is Ten thousand US$10,000,00 dollars per a day.

You are therefore directed to contact MR,DAVID as directed with the following details:

1. PHONE AND FAX NUMBER,

2.YOUR FULL NAME

3. THE ADDRESS WERE YOU WANT THE ATM CARD TO BE DELIVERED.(P.O BOX NOT ACCEPTABLE) YOUR FULL RECEIVING ADDRESS.

4. YOUR AGE AND CURRENT OCCUPATION

5. CONFIRM IN ALTERNATIVE IF YOU DO HAVE A REVOLVING HOME EQUITY LINE OF CREDIT ACCOUNT FOR A POSIBLE CREDITING.

Finally you are expected to acknowledge the receipt of this mail to enable this office monitor this payment effectively.

DR, AHMED I AYUBA.         

Brampton street South west LONDON     
Remember all whiners must be claimed not latter than 25Th JAN, 2008, please note, in other to avoid unnecessary delay send complications remember to quote your reference number, and code number in all correspondence. furthermore should there be any change of address do inform our agent as soon as possible.

Best regards,

DR, AHMED AYUBA.

The Bellingham Herald recently ran a short story on an alert from the Federal Bureau of Investigation.  A new e-mail scam is taking place, one that logs passwords and bank information. 

According to the Herald, 'the e-mails are intended to appear as legitimate complaints about the recipient’s company or department, according to the press release.' 

The scam involves an attachment containing a virus which logs the recipients personal information and passwords.

As always, be wary about opening email from addresses you do not recognize. Do not click on links provided in emails from unknown senders and do not give out your personal information over the phone or email. 

If you have received a scam e-mail, the FBI asks that you notify the Internet crime complaint center at www.ic3.gov.

If you recently received a letter from Certegy Check Services, Inc. stating that some of your personal information was included in a recent compromise, please be assured that this was not remotely connected to WECU or how WECU chooses to do business.  Certegy Check Services, Inc. provides check authorization services for various merchants, as well as credit/debit card authorization for casinos.

Please call our full-service call center if you have received one of these letters.
 
Call Center Hours
Monday - Friday, 8:00am - 6:00pm
 
Local
360.676.1168
 Toll-free
800.525.8703
 Fax
360.756.7800

CUNA, (NOT CUNA Mutual Group), is being used as the subject of a phishing message targeting credit union members to collect personal account information, plastic card numbers, and passwords. CUNA is warning people who receive the e-mail not to click on the link to the fake web page, just delete the message.

This new phishing-scam attempt using the Credit Union National Association's name, informs recipients about "irregular check card activity" and advises them to call a toll-free number to get any restrictions removed. The call is a ploy to get personal account information, possibly for identity theft purposes.

As a trade association for U.S. credit unions, CUNA does not maintain any type of customer/member financial information. 

Recipients received a message as a:

"CUNA Alert: Irregular Check Card Activity"

"We detected irregular activity on check card on Oct. 25/2007. For your protection, you must reactivate your card. Call us immediately at 1.866.840.2863. We will review the activity on your account with you and upon verification, we will remove any restrictions placed on your account.

Please disregard this notice if you have already accessed the website or spoken with one of our representatives."

Dear User (Client)

Due to incorrect password entry, several attempts of access to our clients' accounts have been detected and blocked by our security department within the latest day. At the moment, access to your account is partially blocked by the system. It means that you may browse accessible information, change settings but you can not make any transactions.

In order to remove restrictions, you have to enter your login and password received at the moment of your account registration in our banking system as soon as possible. Just follow the link and enter necessary information.

Should 3 of your attempts be invalid due to incorrect login/password entry, your account will be completely blocked. We hope for understanding and make our apologies for inconveniences

IT-Security department

Do not follow any links found in this e-mail!

Delete it from your inbox.