352021 1 352021 2 352021 3 q Mail

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q. Mail and email q. Phone q. Web sites q. Social networking sites q. Advertising q. Want ads 3/5/2021 4

Physical Health Activity q. Introduce and develop the scam q. Answer the victim’s questions q. Appeal to the victim’s desire to believe 3/5/2021 5

q Use the ploys needed to keep the victim involved q Keep the sense of urgency in play q Take the money 3/5/2021 6

Use a disposable phone Create a fake identity Leave no real contact information behind Change address or email account 3/5/2021 7

The scheme is like a soap opera; a plot that can take days, weeks, or months to unfold. Just like any drama, it is well planned and the actors are convincing. 3/5/2021 8

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q Advance Fee Fraud q You send money for goods or services you will never receive. q Fake Check Fraud q You receive a check for more money than expected. After depositing the check, you are asked to forward the “extra” money to the scammer or a third party. q You sell something online and receive a check that looks authentic, but is a fake. 3/5/2021 10

ploy (ploi) n. a maneuver or stratagem, as in conversation, to gain the advantage http: //dictionary. reference. com 3/5/2021 11

Scammers search for victims in many ways. They troll the Internet looking for friends and databases. They may know more about you than you realize. 3/5/2021 12

Anyone necessary to advance the plot: q. Business people q. Cyber friends q. Detectives q. Partners q. Company executives 3/5/2021 13

q. Spoof Web sites q. Malware q. Phishing email q. Spam 3/5/2021 14

q Email q Letters q Fake checks and money orders q Certificates q Forged documents q Photos 3/5/2021 15

q. Something that makes a forged document look authentic such as letterhead, a crest, watermark, seal, or logo. www. urbandictionary. com 3/5/2021 16

q Urgent or act immediately q Your help is needed… q Special offer q Once-in-a-lifetime q You are lucky! q Over payment 3/5/2021 17

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Student Activity: Schemes, Scam, and Ploys Graphic Organizer Scam ploy (ploi) n. a maneuver or stratagem, as in conversation, to gain the advantage. 35 Ploy Scam Ploy

Student Activity EXAMPLE: Schemes, Scam, and Ploys Graphic Organizer Scheme: I found your dog. I saw the notice you posted in the neighborhood and thought I would call you to let you know Fido is safe. However, there is a problem. I had to take him to the vet because he was injured. I need you to wire me the reward, the money for the vet bill, and the fare to send Fido back to you. I can fax you the bills if you want to see them. Capture Personal Information Victim’s lost dog flyer 36 Personal information Pet description Doggie Injuries Injury story Estimate of treatment cost Create an emergency Veterinary Fraud Treatment story Fake invoices for treatment, drugs, etc. Actor for vet Money Wire money so Fido can come home Test question no ID

Life. Smarts is a program of the National Consumers League: https: //lifesmarts. org/resources/lifesmarts-powerpoints/ NCL would like to thank Western Union for an unrestricted educational grant that helped produce these materials. 3/5/2021 37