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Pronounced "fishing," it is a scam to steal valuable information such as credit card and social security numbers, user IDs and passwords. Also known as "brand spoofing," an official-looking e-mail is sent to potential victims pretending to be from their bank or retail establishment. E-mails can be sent to people on selected lists or any list, expecting some percentage of recipients will actually have an account with the organization.

E-Mail Is the "Bait"
The e-mail states that due to internal accounting errors or some other pretext, certain information must be updated to continue your service. A link in the message directs the user to a Web page that asks for financial information. The page looks genuine, because it is easy to fake a valid Web site. Any HTML page on the Web can be copied and modified to suit the phishing scheme. Rather than go to a Web page, another option is to ask the user to call an 800 number and speak with a live person, who makes the scam seem even more genuine.

Anyone Can Phish
A "phishing kit" is a set of software tools from phishing developers that help the novice phisher copy a target Web site and make mass mailings. It may even include lists of e-mail addresses (how thoughtful of people to create these kits!). In the meantime, if you suspect a phishing scheme, you can report it to the Anti-Phishing Working Group at www.antiphishing.org. See pharming, vishing, smishing and twishing.

The "Spear" Phishing Variant
Spear phishing is more targeted and personal. The e-mail supposedly comes from someone in the organization everyone knows such as the head of human resources. It could also come from someone not known by name, but with a title of authority such as a LAN administrator. Once one employee falls for the scheme and divulges sensitive information, it can be used to gain access to more of the company's resources.