E-mail and Internet-related fraudulent
schemes, such as “phishing” (pronounced “fishing”), are being
perpetrated with increasing frequency, creativity and intensity. Phishing
involves the use of seemingly legitimate e-mail messages and websites to deceive
consumers into disclosing sensitive information, such as bank or loan account
information, Social Security numbers, credit card numbers, passwords, and
personal identification numbers (PINs). The perpetrator of the fraudulent e-mail
message may use various means to convince the recipient that the message is
legitimate and from a trusted source with which the recipient has an established
business relationship. Techniques such as a false “from” address or the use
of seemingly legitimate company logos, weblinks and graphics may be used to
mislead e-mail recipients.
phishing schemes, the fraudulent e-mail message will request that recipients
“update” or “validate” their financial or personal information in order
to maintain their accounts, and direct them to a fraudulent website that may
look very similar to the website of the legitimate business. These websites may
include copied or “spoofed” pages from legitimate websites to further trick
consumers into thinking they are responding to a bona fide request. Some
consumers will mistakenly submit financial and personal information to the
perpetrator who will use it to gain access to financial records or accounts,
commit identity theft or engage in other illegal acts.
Ways We Are Working Protect
from Fraud and Identity Theft
will never send e-mail messages that request confidential information, such
as account numbers, passwords, or PINs;
will work to notify Internet service providers, domain name-issuing
companies, and law enforcement to shut down fraudulent websites and other
Internet resources that may be used to facilitate phishing or other e-mail
and Internet-related fraudulent schemes directed towards our customers;
maintain suspicious activity monitoring and employ additional identity
will offer our customers assistance when fraud is detected in connection
with customer accounts; and
appropriate, we will notify the proper authorities when e-mail and
Internet-related fraudulent schemes are detected.
Additional Tips in Protecting
from Fraud and Identity Theft
safest approach is to immediately delete e-mail from unknown sources, before
opening the e-mail.
clicking on any links in unsolicited e-mail, particularly e-mails that ask
(either directly or by pointing to a website) for personal, financial, or
identity information. Instead, directly type the website destination into
your browser or use a trusted bookmark to verify the site or to log into
your account directly.
access our website by using a trusted bookmark of our site or by directly
typing our website address into your browser.
Check to ensure you have typed the address correctly before providing
personal information on the site.
using AccountAccess, check to ensure that the padlock icon appears in your
browser’s status bar. It
indicates that your information is secure during transmission.
you click on the VeriSign logo on our AccountAccess log-in page, it should
take you to a site indicating that “www.farrmcredit.net”
is a VeriSign Secure Site and should display the following information:
08-JUL-04 - 08-JUL-05)
to ensure validity period is current.
State = South Carolina
Locality = Columbia
Organization = AgFirst Farm Credit Bank
Organizational Unit = Network Systems Services
Common Name = www.farmcredit.net
you receive an e-mail that warns you, with little or no notice, that an
account of yours will be shut down unless you reconfirm your billing
information, do not reply or click on the link in the e-mail. Instead,
contact the company cited in the e-mail using a telephone number or website
address you know to be genuine.
may also wish to contact your Internet Service Provider for support in
blocking e-mails or subscribing to a “spam” or junk e-mail filter they
your home computer has adequate anti-virus software and remember to update
Suspicious or Fraudulent
Communications and Transactions
You should promptly report suspicious
activity or e-mail communications to the Federal Trade Commission (FTC). Send
the actual e-mail you received to email@example.com. If you believe
you've been scammed, file your complaint at ftc.gov,
then visit the FTC's Identity Theft website ftc.gov/idtheft to learn how to minimize your
risk of damage from identity theft.
you receive a suspicious message that appears to be coming from us, or discover
a potentially phony Puerto Rico Farm Credit website, please let us know by
by sending e-mail to PRFCinfo@puertoricofarmcredit.com
so that we may take appropriate action.