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Be alert to any unexpected email, phone call or SMS that claims to be from a bank, credit card or online company with whom you have an account. Never divulge confidential information to anyone if you are unsure of the sender/caller, or the reason for the request. If you are in any doubt about a communication sent in the name of �鶹��ý, please contact your client advisor/local branch office immediately.

Phishing emails and smishing messages are often designed to generate curiosity, incite fear or a sense of urgency in order to get you to click a link or open an attachment. Sometimes it can be difficult to spot a genuine email or SMS from a fraudulent one. Watch out for an unusual sender address, spelling mistakes and strange elements such as the tone, disclaimers and logos. If in doubt, do not click on any links or open any attachments. Delete any such messages and be sure to empty the bin of the relevant program. Consider the use of spam filters to block out such emails in the future.

Links in phishing emails and smishing messages can direct you to a malicious website, and the URL (web address) may not look right, or be spoofed to look like a genuine page

Bookmark any websites you frequently use to your favorites. Never input any confidential data into web forms or download files if you are uncertain about the legitimacy of the site.

If the bank details for a payment are sent to you in an email or SMS, always check them with the recipient. To do so, call the recipient on a known documented number (that is not listed in the email or SMS itself) to verify the details.

Cyber criminals often hide malware within attached files and linked malicious websites. For better protection, make sure to keep all your software and apps up to date, including your antivirus software. When downloading software use only official app stores, which are least likely to host malicious software. Consider the use of spam filters and anti-phishing software to help screen out potential phishing websites and emails.

Regularly backing up your files helps to ensure you can recover your data in the event of a malware infection, cyber attack or device failure, as strong backup practices can keep your files safe from both viruses and cyber criminals.