Small Business Flood Relief Resources and Action Steps

Small Business Flood Relief Resources and Action Steps graphic.

On behalf of the entire Vermont Attorney General’s Office, our thoughts are with those affected by this summer’s flooding.

As businesses rebuild what was lost and purchase new items after the floods, we urge businesses with concerns to reach out to the Attorney General’s Consumer Assistance Program (CAP) for help. Vermont businesses are covered by our state’s consumer protection law and CAP is a helpful resource available to businesses. CAP’s Small Business Advocate can assist businesses with any questions relating to consumer purchases and consumer complaint mediation.

Our office has created a list of resources and action steps for businesses that have been impacted by the flood.

First and foremost, businesses must document everything. Take pictures and write down all actions you are taking. This step will be integral in applying for relief and insurance claims down the road. If you have not already, report your damage and unmet needs to the designated Vermont 2-1-1 Flood Damage-Business Form. 2-1-1 is currently cataloging damage and identifying areas and locations that need assistance.

Making Repairs to your Business:

Below are a few tips to follow before making changes to your business as you repair and rebuild what was damaged in the flood.

  1. Contact your insurance company as soon as possible and do not make any permanent changes to your business until you get approval from your insurance company.
  2. Beware of dubious contractors that may appear with promises to restore damages immediately in exchange for immediate payment. Never pay in full upfront for a commercial project. Make sure you have a contract. Before working with a contractor, always check the Attorney General’s Home Improvement Fraud Registry and residential contractor registration status with the Office of Professional Regulation in the Vermont Secretary of State’s office.
  3. Contact the Consumer Assistance Program by phone at (800) 649-2424 or by email at ago.smallbusiness@vermont.gov for questions relating to hiring a commercial contractor.

Legal Assistance:

Small businesses may also need the advice or services of an attorney. Below are legal resources available to small businesses during this time.

  • Vermont Bar Association (VBA) is offering low-cost consultations. A lawyer will provide a 30-minute consultation for $25 to help answer questions.  You can reach the Lawyer Referral Service at (800) 639-7036 Monday-Friday 8am – 4pm or businesses can directly request services here: tinyurl.com/23floodvtbizlegal.  VBA is coordinating landlord/tenant lawyers to draft a short guide on the responsibilities of landlords and tenants during this time. Please visit vtbar.org for updates.
  • Small Business Legal Assistance Project offers support and outreach on legal topics impacting diverse and disadvantaged businesses and business owners in Vermont.
  • FEMA Disaster Legal Services (DLS) provides free legal help to low-income disaster survivors (individuals and small businesses). If you’re not able to get adequate legal services for your disaster-related needs, DLS may be able to help. Call (800) 621-3362 for service. If you use a video relay service, captioned phone, or other communication service, give FEMA the number for that service.

Financial Assistance- Grants and Community Funds:

There are grants and community funds available for businesses who have been impacted by flooding.

GrantAvailable FundingEligibility
The Business Emergency Gap Assistance Program$20 million in grants, up to $20,000 per applicationPortal to apply goes live in early August. Visit the ACCD Recovery Resource page for more information.  
Vermont Main Street Flood Recovery Fund$2,500 micro grant per businessCovers costs such as equipment replacement, operating expenses, supplies, help with clean-up, etc.
Restaurant Disaster Relief Fund$10,000 cash grants to 100 local restaurantsRestaurants impacted by the flood who:
– Operate a brick-and-mortar location
– Own a maximum of three locations, and employ fewer than 50 employees per location
– Have been open for at least six months
-Have revenues of $3M or less per location in the last 12 months
VT PoC – Flood Relief FundFunds still incomingBlack, Indigenous, and People of Color (BIPOC) small businesses and community members impacted by the flood.

Financial Assistance- Loans:

The U.S. Small Business Administration (SBA) is offering low interest loans for businesses, nonprofit organizations, homeowners, and renters located in regions affected by the floods. To learn more about SBA disaster loans, you may review the fact sheet for Vermont disaster loans and the What you need to know to apply for a business disaster loan page also available in Spanish.

Eligible small businesses and nonprofit organizations can get help with working capital to help overcome the economic injury of a declared disaster. 

Businesses who apply for the SBA loan and are approved are not obliged to take the loan.

The Vermont State Employee Credit Union (VSECU) is offering low-interest loans for small businesses affected by flood water damage.  The loan provides near-term working capital to help with clean-up efforts, real estate repair, equipment replacement, inventory replacement, and other qualifying uses. To learn more about VSECU business loans, visit the VSECU Business Banking page. One does not need to be a state employee to bank at the Vermont State Employee Credit Union.

As a reminder, before applying for any loan, businesses should always consult with a professional and review their business credit situation carefully.

Assistance for Farmers:

If you are a Vermont farmer impacted by flooding, there are resources available to you.

Visit the Vermont Agency of Agriculture Farm Related Assistance page for the most up-to-date information or email agr.floodresponse@vermont.gov or call (802) 828-5667.

Additional resources including loan and grant information for farmers is listed below.

ResourceAvailable ServicesEligibility
USDA Disaster AssistanceVarious funds, grants, and loans available.Farmers, ranchers, communities, and businesses that have been impacted by natural disaster events.  
Farmer Emergency FundGrant up to $5,000Organic and NOFA-VT member farmers who have been adversely affected by natural and unnatural disasters, such as:
– Crop failure
– Extreme weather
– Flooding
– Fire
– Barn collapse
– Financial hardship as the price of organic milk continues to drop
Vermont Farm FundLoan from $10,000 to $15,000Must be a Vermont farmer or food producer who has suffered a devastating loss due to an unexpected natural disaster that puts their farm or farming career in danger; covers buildings, animals, equipment, greenhouses, and hay fields.

Beware of Disaster Relief Scams:

The Consumer Assistance Program is warning Vermonters and small businesses to beware of disaster-relief scams and price gouging. Scammers may impersonate FEMA or the State of Vermont. To learn more about these scams, please review CAP’s Vermont Flood Recovery: Beware of Scams and Price Gouging blog post.

How to Contact the Small Business Advocate:

If you have any questions on the above related material, please contact Emily McDonnell, Small Business Advocate at ago.smallbusiness@vermont.gov or call CAP at (800) 649-2424.


Many Vermonters are going through a traumatic period. If you or someone you know is having a hard time with the emotional impact of this crisis, you can call or text the National Disaster Stress Hotline, (800) 985-5990, or 9-8-8. You are not alone.

Vermont Flood Recovery: Beware of Scams and Price Gouging

Due to the extreme rainfall and flooding across the state, the White House issued a state of emergency for Vermont, which authorizes FEMA to support impacted Vermont counties in recovery efforts. Unfortunately, scammers take advantage of people’s heightened emotional state following disasters, and the Vermont Consumer Assistance Program wants you to be aware of targeted disaster relief scams to avoid while our communities recover from the flooding.

As we recover: Avoid Scams - Phony Charities, Government (FEMA) Relief, Dubious Contractors

Government imposter relief scams may claim to be FEMA or the State of Vermont. FEMA scams manifest as fraudulent inspectors that request fees for service, or administrative personnel that call to “verify” your information but are phishing for your personal information. Such relief help scams may even claim they can speed up your FEMA relief application for a fee.

Avoid this scam:  Connect with FEMA directly online: https://www.fema.gov/disaster/3595 and continue to follow updates from the Vermont’s congressional delegation, the Governor and Vermont Emergency Management.

Phony charities that solicit funds claiming to support recovery efforts. The Vermont way is to help our neighbors. We all want to help, whether it is through volunteering or donating money. Sadly, scammers use the same contact methods as legitimate charities (phone, online, mail).

Avoid this scam:  Please only give to valid charities that you have thoroughly researched and vetted. Use tools like the Better Business Bureau’s Wise Giving Alliance and Charity Navigator to research charities before you donate.

Dubious contractors may appear with promises to restore damages immediately in exchange for immediate payment. Such contractors urge you to act fast, may offer lower prices, and do not have credentials—though they might say they are “registered and insured,” these are unverified statements.

Avoid this scam: Vermonters must be extra critical about hiring home improvement contractors. Never pay in full upfront for a home improvement project. Make sure you have a contract. Check residential contractor registration status with the VT Office of Professional Regulation in the Secretary of State.

Please watch out for these scams and report businesses that set unconscionable price hikes on essential items, like bottled water. If you experience this practice, please report instances of price gouging to the Consumer Assistance Program by phone at 800-649-2424 or online at ago.vermont.gov/cap

More: The Vermont Attorney General’s Office flood resources page: https://ago.vermont.gov/flood-resources and the Federal Trade Commission on spotting and avoiding post-disaster scams: https://consumer.ftc.gov/consumer-alerts/2023/07/how-spot-and-avoid-post-disaster-scams-northeast

Vermont Business Imposter Email Scams Are on the Rise

BURLINGTON – The Attorney General’s Consumer Assistance Program (CAP) is warning Vermont business owners, non-profits, and employees about an uptick in business imposter email scams. In the last two months, CAP has received five reports of business imposter email scams resulting in a total loss of $210,799. Scammers are impersonating employees or familiar business representatives’ emails and contacting company bookkeepers and office administrators asking them to change bank account information, direct deposit information, or asking them to write checks. By impersonating an employee’s email address or creating a fake personal email for the employee, scammers can steal money from businesses and steal paychecks from employees.

$210,799 Business Imposter Loss in Vermont in July and August 2022
Business Imposter Loss – Vermont – July and August 2022

            Vermont businesses and non-profits should always verify email addresses and speak directly with an employee or business representative in person or via phone when sending money or changing payment information. Oftentimes, scammers will use an email address that only slightly varies from an employee’s true email. Be wary of any email coming from outside your company’s domain. CAP urges business owners to educate their entire company on scams that target businesses.

              Here are ways in which businesses and non-profits can better protect themselves and their employees from scams:

  1. Cybersecurity assessment: check internal controls and resolve vulnerabilities.
  2. Train staff regularly in cybersecurity and funds management protocols.
  3. Enlist internal protocols to verify the transfer of funds by engaging multiple staff members and voice verification, using trusted contact information.
  4. Help clientele identify common scams within the industry.
  5. The SLOW method can serve as a helpful starting point, encouraging parties to take their time during urgent transactions and connect with a trusted party like CAP.
  6. Never send money to parties you cannot verify.

            To learn more about how to protect your business from these scams, watch CAP’s Avoiding the Business Imposter Email Scam Video and review the steps to verify at https://ago.vermont.gov/cap/business-imposter/.

Avoiding the Business Imposter Email Scam

            If you or someone you know has lost money to this scam, contact law enforcement and report the scam to CAP online or call 1-800-649-2424 and speak to our Small Business Advocate.

TOP 10 SCAMS OF 2021 RELEASED BY THE ATTORNEY GENERAL’S OFFICE

Reports of scams to the Attorney General’s Consumer Assistance Program (CAP) totaled 5,154 in 2021, up just slightly from the previous year’s 5,021 reports. Two variations of the Computer Tech Support scam and the Online Listing scam claimed the number one, three, and seven spots respectively on CAP’s list of top ten scams in 2021, covering nearly a quarter of the total reports filed by Vermonters. Businesses were also targeted by internet-based scams in 2021. The Business Imposter Email Scam, where scammers represent themselves as business personnel to extort funds, had 62 reports filed—a figure that did not make the top ten but notably jumped nearly 50% from the previous year.         

The prevalence of internet-based scams in 2021 sends a clear message about the importance of staying safe online in our social and work lives. If you receive a suspicious contact, whether it’s made by email, online message, or phone, know that CAP is here to help.

Vermont Attorney general t.j. donovan

Impersonation scams remain of concern, with an adapted law enforcement and lawyer imposter scam at the number four spot in 2021, threatening arrest and lawsuits on unsuspecting call recipients. The Family Emergency/Imposter scam, which includes the Grandchild Imposter also known as the “Grandparent scam” and needy friends and relatives asking for funds, made the top ten list again in 2021. A similar scam, which fabricates a romantic relationship or friendship of confidence, the Romance Imposter scam, saw a 36% increase in reports. As imposter scams are of ongoing concern in Vermont, CAP recently distributed a video imposter scam prevention project, highlighting three concerning imposter scams with high dollar loss: the Romance Imposter scam, the Family Emergency/Imposter Scam, and the Business Imposter Email Scam.

As highlighted in the prevention project, taking steps to verify can help individuals avoid scams. A simple verification process to follow for all scams is the SLOW Method:

SLOW Method
  • S – SLOW DOWN
  • Scammers pressure you to act urgently. Don’t!
  • L – LOG THE CONTACT
  • Write down the info of the contact and disengage.
  • O – ONE CALL
  • Make one call to a primary contact and discuss the incident.
  • W – WHO CARES?
  • Call CAP to identify and report scams at 1-800-649-2424.

CAP reminds Vermonters to never give out personal information or make payments to parties you cannot verify. Scammers will ask for payment in all forms, including wire transfer, cryptocurrency, cash, peer-to-peer payment, money order, check, credit/debit card, and gift cards. If you have sent money to a scammer, follow recovery steps now.

Vermonters can help stop scams by sharing information with community members and by reporting scams to CAP to support educational outreach. To report scams, complete CAP’s online scam reporting form or call 1-800-649-2424.

CAP Assistant Director on Across The Fence reviewing VT’s Top 10 Scams of 2021

The Top 10 Scams of 2021:

  1. Computer Tech Support (Variation)
  2. Social Security Number Phishing
  3. Computer Tech Support (Traditional)
  4. Legal Authority Imposter
  5. Sweepstakes/Lotteries
  6. Identity Theft
  7. Online Listings
  8. Medicare Card Phishing
  9. Family Emergency/Imposter
  10. Auto Warranty Expiration
The Top 10 Scams Reported to the Vermont Attorney General's Consumer Assistance Program in 2021
The Top 10 Scams Reported to the Vermont Attorney General’s Consumer Assistance Program in 2021

The scam: A variation of the traditional Computer Tech Support scam (see # 3 below). You receive an automated phone call, text message, or email claiming that you have been charged for an online order, have an outstanding balance on your account, or are sent an item you did not order. The scammer then instructs individuals to call a number provided in the scammer’s communications to get a refund or to resolve the charge. At this point, they will ask you to provide your card number to “confirm your account” or prompt you to provide them remote access to your computer. As soon as the scammer has remote access to your device, they can access every single document, file, and transaction you have saved to your device.   

How to spot the scam: Companies will not call with tech support unless you requested that they contact you. If you receive a package that you do not recall ordering, check your statement history to see if you have been charged. Packages without a return address are highly suspicious.

What to do: Hang up the phone immediately and do not call back. If you receive an email or text regarding a package delivery or order that has been made, do not click on any links. Mark the email as “Junk” or “Spam”. Furthermore, never allow remote access to your device to unknown parties. If you are concerned about charges made to your accounts, log in to your account directly and contact your financial institution. If you receive a package that you did not order, mark it return to sender and give it back to the mail carrier.

The scam: You receive a phone call (often a robocall) stating that there has been criminal or fraudulent activity involving your Social Security number. The call may even claim you will lose your benefits, or they will expire.

How to spot the scam: Social Security and other government agencies typically contact you by mail before initiating phone communication; they usually don’t call you first, you call them. They also would not threaten you for your information or payment.

What to do: Whenever you receive an unsolicited contact, take steps to verify. Never provide personal information to unknown contacts. Report robocalls to CAP for enforcement.

The scam: You receive a phone call, pop-up, or email on your computer claiming to be from Norton, Microsoft, Apple, or another well-known tech company. They will make claims such as your electronic device has a virus, your device security subscription has been automatically renewed, or stating you have been charged for services you did not receive or ask for. You may be prompted to click a link or call a number to contact. They will try to persuade you to give remote access to your device to fix the issue, and sometimes will even ask for immediate payment for their services.  

How to spot the scam: Legitimate tech support companies do not display communications to their customers as random pop-ups on your device. Tech support will not call you to warn of security incidents; that your account has been renewed for a subscription you do not recognize; and will not send you random links, often shortened, with instructions for you to click on URLs. 

What to do: When contacted about a supposed business relationship, take steps to verify, especially if you do not remember signing up for services. Never click on links or provide remote access to your computer from an unknown email sender or pop-up message on your device’s screen. If you received a pop-up message you cannot click out of, shut down, restart, or unplug your device. If you get a call from “tech support”, hang up. Also, be careful when searching for tech support online. Some users have been scammed by calling illegitimate phone numbers listed on the internet.  

  • Legal Authority Imposter

The scam: You receive a phone call unexpectedly, claiming to be a police officer, U.S. Marshall, U.S. Customs and Border Protection, or an attorney with legal authority. The caller threatens arrest or pending lawsuits against you. When you engage, urgent payment is demanded to make the problem go away. Payment does not solve the supposed problem, and they keep calling. 

How to spot the scam: The police would not warn you ahead of time about a pending warrant. If you were going to be sued, the papers would be served without notice.

What to do: Know your rights. Harassing debt collection practice is unlawful, and collectors aren’t allowed to make claims they can’t or won’t pursue. Hang up on all threats and report them.

The scam: You will be notified by phone, email, or mail that you won a prize or a quantity of money. In some cases, you will even receive a realistic-looking check – but it is fake! You are instructed to pay fees and give your financial and personal information to claim your prize. They often use a legitimate sweepstakes name, like Publishers Clearing House.

How to spot the scam: Legitimate sweepstakes and contest businesses, like Publishers Clearing House and Mega Millions lottery, will contact you in person if you win a major prize. For prizes under $10,000, the notification is done through certified mail by overnight delivery services (FedEx, UPS). They will not contact you by phone, nor require a payment or processing fee to release your prize.

What to do: If it sounds too good to be true, then it’s not true. You don’t need to pay fees or give your financial information in order to claim a prize.

The scam: You receive a letter that claims you have requested government benefits, opened a bank account, filled a credit card application, or are notified about a security breach. Sometimes you will stop receiving legitimate bills and other mail or start to get bills for products and services that you didn’t pursue.

How to spot the scam: Be aware of unsolicited phone calls, mail and emails stating unexpected bank transactions, credit card or benefit applications. If your expected bills are not showing up, or you are receiving correspondence in someone else’s name, report it.

What to do: Don’t give out personal information, such as your Social Security number, passwords, personal identification numbers, and financial accounts. Review your credit reports at least once a year. Carefully check bank account statements and benefits to verify transactions. Shred documents and expired credit cards before you throw them out. Verify security breach notification letters received on the Attorney General’s website. If your information has been stolen by an identity thief, take identity theft protection steps.

The scam: Fake websites or phony listings on sites like Facebook Marketplace and Craigslist draw you into a purchase that’s likely too good to be true. This scam can also appear in online rental listings, and as a buyer offering well-over the selling price for an item. As a seller, the fake buyer sends a fake check or pays with a fraudulent credit card and asks you to advance funds to another fake vendor, causing you to be out the funds.

How to spot the scam: Be skeptical of unrealistic offers. Watch out for requests for money in any form (gift cards, wire transfers, cash) when not made in person. Scammers likely will not want to talk on the phone or meet in person. Heed warnings in user reviews and other online commentary.

What to do: Playing it safe online takes a bit of detective work to determine legitimacy of an offer. Investigate the person/profile of the seller. If their profile is new and they have no friends and photos, they are likely a scam. Research new websites you are considering doing business with by looking up online reviews and state business registrations, taking note of how long the company has been operating. Perform online searches of the business with “scam” and “complaints” to see if issues generate. Complete your transactions in cash and preferably a safe place in-person.

The scam: Scammers will call, often with a live call and from a spoofed caller ID number, and pose as Medicare representatives to gain your personal information and money. These scams are most frequent during times of open enrollment but can occur year-round. The scammers will state they need your Medicare card number or Social Security number to keep your coverage active and verify medical information. The calls may also claim that coverage is expiring or in need of renewal. Scammers will also ask if you received a “new Medicare card”, often referred to as a “gold card” or “red, white, and blue card”.

How to spot the scam: In general, Medicare cards do not expire. Unless you have called Medicare using the 800 number on the back of your card and requested a callback, Medicare will not call you. If a phone call is required, you would receive a letter from the Social Security Administration to schedule a call. Medicare representatives will never call you to verify your information, sell you products, tell you that your coverage is expiring, or to issue you a new card.

What to do: Never provide your Medicare number or other personal information and payment to unknown callers. In Vermont, representatives of the State Health Insurance Assistance Program (SHIP) at 1-800-642-5119 through local Area Agencies on Aging can help address Medicare questions. Other questions and concerns about Medicare coverage can be directed to Medicare at 1-800-MEDICARE. You may also report this scam to the Federal Trade Commission.

The scam: Scammers pose to be someone you trust and pretend to be in an emergency to convince you to send them money or will ask you for a favor. These scammers pose as grandchildren, friends, relatives, and close contacts and seem like the real deal. Scammers impersonate people you love and play on your fears to have you send money urgently. After the initial call, you may be told a lawyer, parole officer or courtroom may contact you for further information.

How to spot the scam: Contacts come in as calls or emails or online messages. Sometimes it’s someone you haven’t heard from in a while. They require urgency and ask for secrecy. You may not be allowed to speak to your loved one on the phone.

What to do: Take steps to verify. Check out if they really are who they say even if they sound like a loved one. Slow down your response and contact someone you trust to verify if there is an emergency. You can also choose a “code word” with friends and family to verify the person is who they claim to be. If they don’t know the word, they are not your friend or family member.

  • Auto Warranty Expiration

The scam: You receive a call or mail from fake representatives of auto dealers, manufacturers, and insurance companies, trying to convince you to renew your auto warranty or insurance or claim your warranty is expired. You may be instructed to press a number or stay on the line for a representative that seems like a real person. When contacted by these scammers, you may be asked personal information about yourself and your vehicle or financial information to pay off this fake claim.

How to spot the scam: Be mindful that only a vehicle’s manufacturer can extend factory warranties, not an outside company. Avoid any call or mailing that states it’s urgent for you to take immediate action to continue your car’s warranty.

What to do: If you have inquiries on your vehicle or its warranty, call the number on your purchase paperwork. You can also contact the dealership you purchased the vehicle from to inquire about the warranty as well. Hang up on or discard any suspicious mailing or person claiming to know about your auto warranty. Do not provide any personal or identifying information unless you can verify you are dealing directly with a verified company that you have a business relationship with.

Introducing: Business Imposter Email Scam Prevention Videos

By Crystal Baldwin 

Businesses get scammed by imposters, too. This notion was news to me when my office received our first business imposter email scam report about five years ago. A small law firm had transferred $30,000 as directed to do so in an email. In yet another scam involving a real estate law office, it was more than $100,000 of the seller’s money that had been unwittingly transferred to a scam account. 

:30 – Avoiding the Business Imposter Email Scam. Hear the whole story at ago.vermont.gov/cap/business-imposter

We’ve heard from a retailer, who was in the process of completing their annual supply order: a container of supplies for the holiday season, with their supplier in Hong Kong. The Hong Kong supplier’s email was hacked, and the Vermont small business responded to a valid email address of the supplier to provide updated account information—to a scammer. Charities and small membership organizations have been subjects of this scam as well. 

Recently, we heard from a nurse, who, with kind intentions to appreciate fellow frontline workers purchased gift cards as suggested by their supervisor in an email, was responding to a business imposter email scam. 

In each of these scams, the personnel involved were simply following standard operating procedure: you get an email from a figure of authority to complete a financial transaction, and you do. It is easy to assume that this kind of scam won’t happen to you or your business, but with ever-evolving technology and growing capability of scammers to deceive, it is becoming more important for businesses to be on the lookout for and arm against scams.  

:60 – Avoiding the Business Imposter Email Scam video. Hear the whole story at ago.vermont.gov/cap/business-imposter

Whether an email system is hacked and the scammer takes control to send out the transfer request, or a scammer creates a fake account email with all the boss’ credentials, these emails appear as though they are coming from a legitimate source within the business.  

  • Often, when using mobile email services, only the email sender’s name is plainly visible, rather than the entire email address. So, if the email address is “yourboss@yahoo.com,” you don’t see the Yahoo account extension unless you click on the email.   
  • Another tactic scammers use is copying the signature block of the person of authority. Scammers can easily copy signature blocks used in external out-of-office autoreply messages by receiving a reply message that includes the signature block. All the scammer had to do was send an email to get the autoreply with the signature block.  

There are countless ways in which scammers can infiltrate business systems. Businesses can never be too cautious in protecting themselves and their customers from scams. In an effort to help businesses prevent scams from derailing operations, we produced the Avoiding the Business Imposter Email Scam videos and toolkit, which includes scam warnings and actual steps that businesses can take to verify funds transfer requests.  

Avoiding the Business Imposter Email Scam video. Learn more at ago.vermont.gov/cap/business-imposter

Learn more at ago.vermont.gov/cap/business-imposter 

Get more information for businesses from the Consumer Assistance Program

Report Scams:  

If you or someone you know has encountered a scam in Vermont, report it. Use the Consumer Assistance Program’s online scam reporting form. 

Help us stop these scams by sharing this information with your colleagues and business personnel.