Most accounts are compromised by responding to a phishing e-mail, keylogger or Trojan Horse virus that was installed on your PC through a fraudulent e-mail or possibly by someone with whom you may have shared your user name and password. To prevent this from happening, we recommend the following actions:

• Install anti-virus software on your computer.
• Update your virus definitions regularly.
• Use good judgment before opening strange or unexpected e-mail attachments and/or files.
• Back up your data.