BEWARE OF PHISHING SCHEMES THIS HOLIDAY SEASON

Carolers and reindeer won't be the only things out in force the next
few weeks. You can bet that the criminal element will do everything
possible to loot your wallet.

Your credit card company will not send you an e-mail asking for your
password. Your bank won't either, nor will your stock brokerage. Please
don't fall for these tricks. No legitimate organization will send you
anything that requests confidential information.

Delete spam. If you get anything that looks like it might be legitimate,
check first. Don't give criminals your money or your identity.