identity theft & common fraud 101

7/31/2019 Identity Theft & Common Fraud 101

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IJ Zhnaz ! B`cc`g Avm~j =?=

M Fndiggnvr D~ijn Z`tmvj _vnqngzi`g% Ijngziayigd ia

y`~vn m qibzic mgj Vnb`qnvy Cnzh`jr

Fy; Jnvnl _`vznv (A`~gjnv/_vnrijngz à Rnb~vizyDvmjn'b`c)

(M fvinav~g j`tg)IJ zhnaz `bb~vr thng r`cn`gn `fzmigr y`~v pnvr`gmeey ijngziayigd iga`vcmzi`g% ( i'n' y`~v

gmcn% r`bime rnb~vizy g~cfnv `v y`~v bvnjiz bmvj g~cfnv) mgj ~rnr zhir iga`vcmzi`g z` b`ccizavm~j mgj/`v `zhnv bvicnr' Zhir bmg hmppng z` mgy`gn nqng y`~gd bhiejvng% mgj ir m qnvy rnvi`~rbvicn tizh bmzmrzv`phib rijn naanbzr z` zhn qibzic' Zhn rijn naanbzr à zhir bvicn bmg d` amvfny`gj k~rz v~igigd y`~v bvnjiz'

Zhn Anjnvme Zvmjn B`ccirri`g nrzicmznr mr cmgy mr 9 cieei`g Mcnvibmgr hmqn zhnivijngzizinr rzèng nqnvy ynmv' Zhir ir m b`grzmgz dv`tigd pv`fenc mgj hmr pv`qnj z` fn `gn à zhnc`rz bhmeengdigd bvicnr z` b`cfmz ig `~v gmzi`g'

Ijngzizy zhnaz zmlnr `g cmgy jiaanvngz a`vcr r~bh mr zhinqnr zvyigd z` vngz mg mpmvzcngz%p~vbhmrn% h`~rn nzb% mee ig y`~v gmcn' Zhinqnr bmg avm~j~engzey `png bvnjiz bmvjr `v znenph`gnmbb`~gzr ig y`~v gmcn mgj bmg nqng pvnqngz y`~ av`c aigjigd `~z fy a`vtmvjigd y`~v cmie z` mjiaanvngz mjjvnrr' ^rigd zhnrn znbhgi}~nr m qibzic t`~ej g`z vnbniqn fieer `v ph`gn bmeervndmvjigd gnt mbb`~gzr `pngnj ig zhniv gmcn' Zhnrn mvn k~rz m ant nxmcpenr à IJ zhnaz'Bvicigmer mvn fnb`cigd c`vn mgj c`vn nqmriqn mgj bvnmziqn thng iz b`cnr z` b`ccizzigd zhirzypn à bvicn% mgj mvn mfen z` jvmt iz `~z r` zhmz g` `gn ir nqng cmjn mtmvn zhny hmqn j`gn rà`v rnqnvme ynmvr' Zhn b`cpenxizy à zhir bvicn ir mer` fnb`cigd c`vn igzvibmzn' Bvicigmer mvnjirb`qnvigd gnt tmyr z` pvàiz/fngnaiz fy ~ziei{igd y`~v ijngzizy'

Zhn aèe`tigd iga`vcmzi`g ir dngnvme% g`z gnbnrrmviey rpnbiaib' THY0 Fnbm~rn zhn gmz~vnà ijngzizy ir r` b`cpenx mgj ir b`grzmgzey bhmgdigd% bvicigmer mvn fnb`cigd c`vn mgj c`vnnqmriqn mgj aigjigd gnt tmyr z` b`cciz zhir bvicn' Rnb~vizyDvmjn j`nr b`grzmgz vnrnmvbh z`rzmy b~vvngz `g gnt zmbzibr `g h`t z` pvnqngz zhir dv`tigd bvicn' Ia tn p~feirh c`vn ig jnpzhmgj rpnbiaib iga`vcmzi`g `g zhn r~fknbz `~v ~rnvr t`~ej fn vnmjigd zh`~rmgjr à pmdnr àiga`vcmzi`g% r`cn qnviainj mgj r`cn hnvn#rmy' Zhir iga`vcmzi`g t`~ej mer` igbe~jn r`cn zmbzibra`v pvnqngzigd IJ zhnaz zhmz t`vl a`v r`cn f~z g`z `zhnvr' Rnb~vizyDvmjn vnmei{nr zhn fnrz tmy z`nj~bmzn pn`pen ir z` zmblen zhn bhmeengdn à nj~bmzi`g `g zhn c`vn b`cc`g cnzh`jr à zhirbvicn mgj h`t z` pvnqngz iz% c`vn rpnbiaibmeey nemf`vmzigd `g iga`vcmzi`g zhmz pnvzmigr z` zhnc


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pnvr`gmeey' Ia mz mgy zicn m cncfnv tirhnr z` vnbniqn mgy a~vzhnv iga`vcmzi`g `g mgy r~fknbz% `vnqng mrl qmvi`~r }~nrzi`gr mf`~z Ijngzizy Zhnaz% zhny gnnj f~z mrl' Tn mvn c`vn zhmg hmppy z`hnmv av`c `~v ~rnvr mgj ngb`~vmdn zhnc z` mrl }~nrzi`gr% c`vn rpnbiaibmeey }~nrzi`gr zhmz mvnc`vn pnvr`gme z` zhnc' Iz ir `~v rigbnvn tirh z` hnep nj~bmzn mgj d~ijn Mcnvibmgr zhv`~dh

mqìjigd zhir bvicn mr tnee mr hnepigd qibzicr vnb`qnv mr }~ibley mr p`rrifen'

H`t j`nr iz hmppng0

(Vncncfnv% zhn aèe`tigd mvn k~rz r`cn dngnvme tmyr% penmrn b`gzmbzRnb~vizyDvmjn a`v a~vzhnv iga`vcmzi`g/}~nrzi`g vndmvjigd mgyzhigd rpnbiaib y`~t`~ej eiln nemf`vmznj)

Zhnvn mvn rnqnvme tmyr zhir zypn à bvicn bmg `bb~v% h`tnqnv% zhn cmig vnmr`gr zhmz IJzhnaz `bb~vr mvn gndeidngbn mgj cir~rn' Bvicigmer tiee cir~rn y`~v pnvr`gmeey ijngziayigdiga`vcmzi`g eiln y`~v r`bime rnb~vizy g~cfnv `v `zhnv iga`vcmzi`g mgj cmy b`cciz m qmvinzy àbvicnr r~bh mr bvnjiz bmvj avm~j% fmgl/aigmgbn avm~j mgj d`qnvgcngz j`b~cngz avm~j k~rz z`gmcn m ant' Ig r`cn nxzvncn bmrnr% bvicigmer bmg dnz m k`f ~gjnv y`~v gmcn% vngz mg mpmvzcngz`v nqng hmqn y`~ amerney mvvnrznj'

B`cc`g tmyr zhinqnr rznme y`~v ijngzizy'

Rznmeigd# M zhina cmy rznme y`~v tmeenz% p~vrn% cmie (tizh bvnjiz bmvj mgj fmgl rzmzncngzrig iz)% bhnblr% mgj pnvr`ggne vnb`vjr k~rz z` gmcn m ant'

J~cprznv Jiqigd# Zhinqnr tiee d` zhv`~dh y`~v zvmrh/j~cprznv e``ligd a`vj`b~cngzr/pmpnvr tizh y`~v gmcn mgj/`v mgy pnvr`gme iga`vcmzi`g `g iz'

_hirhigd# Zhinqnr cmy pvnzngj z` fn m fmgl `v r`cn `zhnv aigmgbime igrziz~zi`g z` dmig

y`~v pnvr`gme iga`vcmzi`g' Zhir bmg fn j`gn zhv`~dh rpmc `v p`p#~p cnrrmdnr `g y`~vb`cp~znv' (Lnnp ig cigj% rpmc mgj p`p#~p fe`blnvr j` g`z gnbnrrmviey pvnqngz zhir)

Rliccigd# Zhinqnr bmg rznme y`~v rngriziqn pnvr`gme iga`vcmzi`g av`c y`~v bvnjiz bmvjrfy rbmggigd zhnc `g z` rpnbime nenbzv`gib rz`vmdn jnqibnr' (Zhir bmg fn j`gn av`c y`~v e`bmerh`ppigd bngznv `v MZC tizh`~z y`~v lg`tenjdn% mr tnee mr iz bmg fn j`gn ric~ezmgn`~rey mry`~v bvnjiz bmvj ir rtipnj a`v m~zh`vi{nj p~vbhmrnr')

Bhmgdigd Y`~v Mjjvnrr# Zhinqnr bmg hmqn y`~v fieeigd iga`vcmzi`g rngz z` zhnc z` dmigc`vn bvizibme iga`vcmzi`g mf`~z y`~ z` rznme y`~v ijngzizy'

_vnznxzigd# _vnznxzigd ir nrrngzimeey r`cn`gn `fzmigigd y`~v pnvr`gme iga`vcmzi`g fypvnzngjigd z` fn r`cn`gn zhny mvn g`z% m r`vz à r`bime ngdignnvigd' R` bmeenj b`g#mvzirzr mvn tneelg`tg a`v zhir zypn à bvicn' Zhir bmg fn j`gn `g r`cn à y`~v amq`vizn tnfriznr eilnAmbnf``l'b`c `v `qnv zhn ph`gn thien y`~ mvn diqigd iga`vcmzi`g z` thibh y`~ fneinqn irb`gj~bzigd m ricpen vnzmie r~vqny'


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H`t ir cy ijngzizy mf~rnj `gbn iz ir rzèng0

M zhinar k`f dnzr c~bh nmrinv `gbn zhny hmqn y`~v iga`vcmzi`g' Zhn c`rz zypibme jnrivnà bvicigmer th` hmqn b`ccizznj ijngzizy zhnaz ir z` rznme y`~v c`gny' H`tnqnv zhinqnr cmymer` b`cciz bvicnr r~bh mr;

Bvnjiz Bmvj Avm~j# Zhinqnr bmg `png bvnjiz bmvj mbb`~gzr ig y`~v gmcn mgj zhng cmx `~z zhnbmvjr' Thng zhinqnr ~rn zhnrn bmvjr zhny j` g`z pmy zhn fieer mgj y`~ cmy `v cmy g`z vnbniqnjneig}~ngz g`zibnr% jnpngjigd `g thnzhnv `v g`z zhny hmqn a`vtmvjnj y`~v cmie z` m jiaanvngzmjjvnrr' Ig zhir pmvzib~emv bmrn iz bmg zmln rnqnvme ynmvr fna`vn m qibzic nqng vnmei{nr zhmz zhir hmr`bb~vvnj'

_h`gn/^zieizy Avm~j# Zhinqnr bmg `png gnt ph`gn eignr ~gjnv y`~v gmcn% `v zvmgranv fieeigdiga`vcmzi`g à nxirzigd ph`gn eignr `qnv z` y`~v gmcn' Zhinqnr bmg nqng rnz ~p zhniv igznvgnz%

bmfen ZQ% nenbzvibizy% hnmzigd fieer% nzb% mee ~gjnv y`~v gmcn tizh`~z y`~v lg`tenjdn'

Fmgl/Aigmgbn Avm~j# Zhinqnr bmg bvnmzn b`~gznvaniz bhnblr ~rigd y`~v gmcn mgj mbb`~gz iga``v zhny bmg `png mg mbb`~gz ~gjnv y`~v gmcn mgj tvizn bhnblr av`c zhnrn mbb`~gzr tizhigr~aaibingz a~gjr' Zhinqnr bmg be`gn y`~v MZC/Jnfiz bmvj mgj rzmvz tizhjvmtigd c`gny av`cy`~v mbb`~gz' (M e`z à Mcnvibmgr fneinqn zhmz aigmgbime igrziz~zi`gr hmqn r`phirzibmznjb`cp~znvr zhmz tiee g`z mee`t be`gnj bmvjr z` a~gbzi`g fnbm~rn zhny c`giz`v ~g~r~me

rpngjigd hmfizr% h`tnqnv% zhir ir g`z zhn bmrn' A`v nxmcpen ia m zhina ~rnr m be`gnj bmvjtizhig zhn dngnvme qibigizy à thnvn y`~ eiqn `v `g zhn igznvgnz% iz ir b~vvngzey amv c`vn

jiaaib~ez a`v b`cp~znvr z` jnznbz zhnrn ~g~r~me rpngjigd hmfizr')

J`b~cngz (D`qnvgcngz) Avm~j#Zhinqnr bmg `fzmig m d`qnvgcngz irr~nj IJ bmvj (jviqnvreibngrn) ig y`~v gmcn f~z tizh zhniv pibz~vn `g iz' Zhny bmg aien zmxnr ~gjnv y`~v gmcn mgjvnbniqn y`~v zmx vnz~vg' Zhny bmg nqng bemic d`qnvgcngz fngnaizr zhmz mvn vidhza~eey y`~vr% ( i'n'y`~v jirmfieizy `v vnzivncngz fngnaizr'

@zhnv# Zhinqnr bmg dnz m k`f ~rigd y`~v gmcn% ~rn y`~v cnjibme fngnaizr% mgj eiznvmeey eiqny`~v eian tizh y`~v fngnaizr% mee tizh`~z y`~v lg`tenjdn'

H`t j` I lg`t ia Ic m qibzic0

Zhnvn mvn qmvi`~r tmyr z` aigj `~z ia y`~ mvn m qibzic à IJ zhnaz mgj nqng a~vzhnv c`vnbvizibme mbzi`gr y`~ c~rz zmln ia y`~ mvn bnvzmig zhmz y`~ mvn m qibzic'

Zhn fnrz tmy z` jnznvcign iay`~ hmqn fnng m qibzic à IJ zhnaz ir z` c`giz`v y`~v fmglmbb`~gz(r) mgj y`~v bvnjiz hirz`vy vnd~emvey'

C`giz`vigd y`~v fmgl mbb`~gz(r) mgj y`~v bvnjiz bmvj rzmzncngzr'

C`giz`vigd y`~v fmgl mbb`~gz(r) mgj y`~v bvnjiz bmvj rzmzncngzr ir amivey ricpen' Nqnvyant jmyr% ia g`z nqnvy jmy y`~ rh`~ej zmln m e``l mz y`~v fmgl rzmzncngzr mr tnee mr y`~v bvnjiz


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bmvj rzmzncngzr' G`tmjmyr zhir ir nmriey j`gn `geign zhv`~dh c`rz cmk`v aigmgbime igrziz~zi`gr%h`tnqnv fy ph`gn mgj fy cmie mvn r`cn meznvgmziqn cnzh`jr'

Thmz mc I e``ligd a`v0

Z` ijngziay ia y`~ cmy fn m qibzic à IJ zhnaz y`~ c~rz e``l a`v mgyzhigd `~z à zhn`vjigmvy% c`vn rpnbiaibmeey zvmgrmbzi`gr `~z à zhn `vjigmvy' G` `gn lg`tr y`~v rpngjigd hmfizrfnzznv zhmg y`~ j`% r` r`cnzhigd eiln m *>%??? zvmgrmbzi`g a`v m gnt aemz rbvnng znenqiri`g% thngy`~ `fqi`~rey hmqngz p~vbhmrnj `gn rh`~ej fn m cmk`v vnj aemd' Vncncfnv% zhir d`nr fny`gjk~rz b`cc`g rngrn% zhinqnr bmg fn qnvy rgnmly thng iz b`cnr z` b`ccizzigd avm~j' A`vnxmcpen% zhny b`~ej fn k~rz p~eeigd `~z bmrh mjqmgbnr a`v `gey m b`~pen à jèemvr mz m zicn' @vzhny b`~ej fn p~vbhmrigd eizzen zhigdr eiln iZ~gnr r`gdr a`v 99 bngzr m p`p mgj zhn eilneih``j zhmzy`~ t`~ej g`zibn r~bh m rcmee bhmgdn ig y`~v fmemgbn ir reic' Zhnvna`vn% j` g`z k~rz e``l mzy`~v fmemgbn mgj rmy hcccc% `l% zhmzr mf`~z vidhz' ]~nrzi`g mgyzhigd `~z à zhn `vjigmvy'Y`~ cmy fn zhigligd% h`t mvn bvicigmer dnzzigd vibh fy `gey tizhjvmtigd m eizzen mz m zicn av`ccy fmgl mbb`~gz0 Zhn mgrtnv ir% zhnyvn g`z% h`tnqnv ia zhny tizhjvmt m jèemv av`c y`~ mgj

y`~ j`gz g`zibn me`gd tizh >%??? `zhnv pn`pen% zhmzr m pvnzzy d``j pmyjmy' Zhir ir bmeenjaigmgbime zvibleigd'

E``ligd zhv`~dh y`~v rzmzncngzr mgj rp`zzigd r`cnzhigd `~z à zhn `vjigmvy tiee fnc~bh nmrinv ia y`~ e``l `qnv y`~v rzmzncngzr àzng' Mgyzhigd zhmz j`nrgz cmln rngrn rh`~ej fn}~nrzi`gnj' Ia y`~ rp`z r`cnzhigd mfg`vcme% y`~ rh`~ej b`gzmbz y`~v aigmgbime igrziz~zi`giccnjimzney mgj znee zhnc y`~ tmgz z` aien a`v avm~j'

Ig c`rz bmrnr% fmglr tiee g`z hèj y`~ eimfen a`v avm~j~engz bhmvdnr% h`tnqnv% zhnvn mvnrzvibz v~enr zhmz mppey z` vnp`vzigd avm~j mgj r`cn igrziz~zi`gr hmqn m zicn eiciz zhmz r`cn`gn cmyaien a`v avm~j tizh vndmvj z` m pmvzib~emv zvmgrmbzi`g' A`v nxmcpen% m fmgl cmy `gey mee`t m avm~jbmrn z` fn nrzmfeirhnj ia iz ir vnp`vznj tizhig 1 c`gzhr av`c zhn jmzn à zhn avm~j~engz bhmvdn'

Iz ir zv~n zhmz emvdnv aigmgbime igrziz~zi`gr hmqn r`phirzibmznj b`cp~znvr tizh ràztmvn zhmzbmg jnznbz mfg`vcme zvmgrmbzi`gr' A`v nxmcpen% y`~ cmy vnbmee mz `gn zicn `v mg`zhnv vnbniqigd mph`gn bmee av`c y`~v fmglr b`cp~znv mrligd ia y`~ hmj m~zh`vi{nj m rpnbiaib p~vbhmrn'H`tnqnv% lnnp ig cigj% zhnrn rmand~mvjr `gey cigici{n zhn bhmgbnr à m avm~j~engz bhmvdn av`c`bb~vvigd'

C`giz`vigd y`~v bvnjiz hirz`vy

C`giz`vigd y`~v bvnjiz hirz`vy bmg fn amivey ricpen mgj rh`~ej fn j`gn àzng% mz enmrznqnvy rix c`gzhr' Lnnp ig cigj% nmbh à zhn 2 bvnjiz f~vnm~r% fy emt% c~rz pv`qijn y`~ tizh =

bvnjiz vnp`vz pnv ynmv mz g` bhmvdn ~p`g vn}~nrz' Zhmzr 2 avnn bvnjiz vnp`vzr pnv ynmv'Beibl hnvn a`v iga` `g h`t z` vnbniqn avnn bvnjiz vnp`vz'

Thng e``ligd mz y`~v bvnjiz vnp`vz% y`~ rh`~ej mdmig e``l a`v mgyzhigd `~z à zhn`vjigmvy' G`zn; Y`~v bvnjiz vnp`vz cidhz g`z vnaenbz mee à y`~v b~vvngz mbb`~gzr fnbm~rng`z mee bvnjiz`vr vnp`vz z` mee 2 f~vnm~r' Mr y`~ cmy mevnmjy lg`t m bvnjiz vnp`vz rh`trjnzmienj iga`vcmzi`g `g zhigdr r~bh mr;


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Ijngziayigd iga`vcmzi`g; Zhir t`~ej fn y`~v gmcn% mjjvnrr (p`rrifen a`vcnv mjjvnrr)% ph`gng~cfnv% r`bime rnb~vizy g~cfnv% p`rrifey y`~v b~vvngz ncpe`ynv mgj/`v pmrz ncpe`ynvrmjjvnrrnr' (Ia mgy à zhir iga`vcmzi`g ir igmbb~vmzn% y`~ rh`~ej b`gznrz/vnp`vz iz z` zhn

f~vnm~ pvnrngzigd zhn iga`vcmzi`g')

Y`~v bvnjiz hirz`vy; Zhir ir zhn cnmz mgj p`zmz`nr à y`~v vnp`vz% iz tiee rh`t y`~v jnfz% b~vvngzbvnjiz mqmiemfen% thnzhnv `v g`z y`~ hmqn cmjn emzn pmycngzr `v g` pmycngzr% mr tnee mr qmvi`~r`zhnv iga`vcmzi`g' (Ia mgy à zhir iga`vcmzi`g ir igmbb~vmzn% y`~ rh`~ej b`gznrz/vnp`vz iz z`zhn f~vnm~ pvnrngzigd zhn iga`vcmzi`g')

_~feib vnb`vjigdr; Zhir rnbzi`g tiee rh`t aieigdr à fmglv~pzby `v mgy p`zngzime b`~vzk~jdcngzr mdmigrz y`~' A`v nxmcpen p`zngzime pv`pnvzy eingr' Izncr r~bh mr zhnrn tiee rzmy `gy`~v vnp`vz a`v mz enmrz rnqng ynmvr% mgj =? ynmvr ia y`~ hmqn nqnv aienj a`v fmglv~pzby'

Bvnjiz Ig}~ivinr; Mgyzicn y`~ `v mgy`gn nern j`nr m bvnjiz bhnbl iz tiee rh`t ~p `g y`~v vnp`vzmr mg ig}~ivy' Zhnvn 6 zypnr à ig}~ivinr; Hmvj ig}~ivinr mgj ràz ig}~ivinr'

Hmvj ig}~ivinr; Zhnrn tiee rh`t ~p thng y`~ mvn mppeyigd a`v m e`mg `v a`vbvnjiz bmvjr'

Ràz ig}~ivinr; Zhnrn tiee rh`t ~p ia y`~ vn}~nrz y`~v `tg bvnjiz vnp`vz `v iar`cn`gn j`nr m bvnjiz bhnbl a`v ncpe`ycngz p~vp`rnr'Ràz ig}~ivinr j` g`z rzmy `g y`~v bvnjiz mgj j` g`z vnaenbzgndmziqney mdmigrz y`~'

Vncncfnv zhmz zhn 2 bvnjiz f~vnm~r mvn g`z `feidmznj fy emt z` diqn y`~ y`~v bvnjiz rb`vn

mz g` b`rz% `gey y`~v bvnjiz vnp`vz' Mer`% vncncfnv zhmz m bvnjiz vnp`vz j`nr g`z gnbnrrmvieyigbe~jn m bvnjiz rb`vn'

Dngnvme Avm~j (Mqìjigd zhn c`rz b`cc`g zypnr à avm~j)

Y`~ cmy zhigl y`~qn hnmvj iz mee% y`~ cmy hmqn nqng pvnmbhnj mf`~z iz z` amciey mgj

avingjr< zhn h`vv`v rz`vinr à pn`pen y`~ lg`t `v cmyfn nqng y`~vrnea ameeigd qibzic z` avm~j'

_vmbzibn thmz ir _vnmbhnj Mqìjigd avm~j ir y`~v fnrz jnangrn' Hmqigd m d``j nj~bmzi`g à

zhn c`rz b`cc`g zypnr mgj h`t z` mqìj zhnc tiee rmqn y`~ zicn% c`gny mgj ngnvdy' Zhn

rzmzirzibr mvn rzmddnvigd ynz ~gbenmv mr z` zhn mbb~vmby à h`t c~bh c`gny Mcnvibmgr e`rn z`

avm~j nqnvy ynmv% ynz zhn irr~n ir m tnee lg`tg p~feib zhvnmz' Rnb~vizyDvmjn'b`c rzviqnr z`

nj~bmzn izr ~rnvr z` zhn c`rz b`cc`g a`vcr à avm~j z` c`vn rpnbiaib vmvn a`vcr' Gnqnv hnrizmzn

z` mrl a~vzhnv }~nrzi`gr% rhmvn m rz`vy `v rnnl rpnbiaib b`gr~ezmzi`g ~gi}~n z` m p`zngzime a`vc à

avm~j zhmz y`~ hmqn ameeng (`v zhigl y`~ hmqn ameeng) qibzic z`' Zhir j`b~cngz jirb~rrnr zhn

b`cc`g a`vcr à avm~j% c`vn rpnbiaibmeey zhn thizn bèemvnj pvnjmz`vr (Aibzizi`~r `v vnme

f~rignrrnr) th` b`cciz avm~j c`rzey fy cmie (thnzhnv nenbzv`gibmeey `v fy phyribme cmie)'


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Rnb~vizyDvmjn'b`c ir vnavmigigd av`c jirb~rrigd ig jnpzh mf`~z ijngzizy zhnaz `g zhir j`b~cngz

r` mr g`z z` vn#iznvmzn zhn rmcn iga`vcmzi`g zhmz ir mevnmjy jirb~rrnj `g zhn vnemznj j`b~cngzr'

#Avm~j; (g`~g)

jnbniz% zviblnvy% rhmvp pvmbzibn% `v fvnmbh à b`gaijngbn% pnvpnzvmznj a`v pvàiz `v z` dmig

r`cn ~gamiv `v jirh`gnrz mjqmgzmdn'

#Tnfrznvr Jibzi`gmvy

R`cn à zhn c`rz b`cc`g a`vcr à avm~j;

#Ijngzizy zhnaz

#A`vdnvy

#B`gaijngbn avm~j

#Fngnaiz avm~j

#Ncfn{{encngz

#Zmx avm~j

#Fmiz mgj rtizbh

#Fmglv~pzby avm~j

#Amern fieeigd

#B`~gznvanizigd

#Igr~vmgbn avm~j

#Rnb~vizinr avm~j

#Cmvvimdn avm~j

Mezh`~dh zhnrn mvn zhn c`rz b`cc`g a`vcr à avm~j ig Mcnvibm% Rnb~vizyDvmjn'b`c tiee

jirb~rr m ant à zhnrn% h`t zhny mvn zypibmeey b`ccizznj mgj d` `qnv rnqnvme tmyr z` fnrzpvnqngz y`~ av`c ameeigd qibzic z` avm~j'

A`vdnvy bmg fn j`gn `g cmgy jiaanvngz enqner% nenbzv`gibmeey mgj phyribmeey' Iz ir fnrz z`

lnnp y`~v ridgmz~vn b`grirzngz% cnmgigd tvizn iz zhn rmcn tmy nqnvy zicn' Y`~ mvn zhn fnrz k~jdn

à y`~v ridgmz~vn mgj bmg znee thng r`cn`gn hmr a`vdnj y`~v gmcn ia y`~v ridgmz~vn hmr izr

~gi}~n }~meizinr mf`~z iz zhmz mvn igzvibmzn z` y`~ mgj y`~ me`gn' ]~nrzi`g ridgmz~vnr `g


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j`b~cngzr zhmz y`~ cmy g`z vnb`dgi{n mgj j`gz vncncfnv ridgigd' Fe`t zhn thirzen mgj

b`gzmbz pv`pnv m~zh`vizinr thngnqnv y`~vn r~vn y`~v ridgmz~vn hmr fnng a`vdnj'

Zhn b`gaijngbn rbhncn (avm~j) ir qnvy fv`mj' R`cn à zhn c`vn zypibme a`vcr à

b`gaijngbn avm~j mvn zhn :=9 rbmcr' :=9 rbmcr mvn rbmcr zhmz nqngz~meey zvmbn fmbl z` mg mvnm àGidnvim thnvn e`z à bvicigmer mzzncpz z` b`gzmbz qmvi`~r pn`pen zhv`~dh`~z zhn t`vej% c`vn

rpnbiaibmeey Mcnvibm% mgj rbmc zhnc qim zhn igznvgnz mgj fy cmie (nenbzv`gibmeey mgj phyribmeey)'

Zhn :=9 rbmccnvr zvy mgj p`rn mr endiz f~rignrr pn`pen th` cmy zvy z` b`gqigbn y`~ à mg

ighnvizmgbn zhmz y`~ mvn `tnj% e`mgr tizh g` igznvnrz zhmz y`~ mvn pvn#mppv`qnj a`v% jnmer z`

p~vbhmrn pv`j~bzr m nxzvncney e`t vmznr mgj c`gny nxbhmgdn rbmcr z` gmcn m ant' Zhn eirz à

:=9 rbmcr d`nr `g mgj `g' Zhn :=9 rbmccnvr tiee ae``j y`~v igf`x tizh qmvi`~r fmizigd enzznvr

z` zvy mgj b`gqigbn y`~ zhmz zhny mvn zv~rzt`vzhy% zhng avm~j~engzey zmln y`~v c`gny' Zhnvn ir

metmyr y`~v c`gny igqèqnj tizh zhir rbmc mgj zhnvn mvn cmgy znee#zmen ridgr zhmz mee`t y`~ z`

vnb`dgi{n thng y`~ mvn fnigd fmiznj' C`rz à zhn zicn% b`cc`g rngrn ir zhn fnrz qivz~n z` y`~v

r~bbnrr mz mqìjigd zhnrn rbmcr' Lnnp ig cigj zhmz zhnrn rbmccnvr mvn g`z eiciznj z` k~rz zhn :=9

mvnm à Gidnvim' Zhnvn mvn pvnjmz`vr mee `qnv zhn t`vej th` zvy z` b`cciz zhir bvicn a`v vnmr`gr

à b`gqngingbn à fnigd r` amv mtmy mgj zhn vmvizy à zhn pnvpnzvmz`vr nqnv fnigd nxzvmjiznj a`v

pv`rnb~zi`g' Zhny lg`t zhmz zhnvn ir qivz~meey g` bhmgbn y`~ tiee bmzbh zhnc' Rzmzirzibmeey zhny

mvn vidhz< y`~ c~rz lg`t h`t z` mqìj zhnc'

Iz ir nmrinv z` lg`t h`t z` ijngziay avm~j a`v y`~vrnea vmzhnv zhmg eirzigd zhn h~gjvnjr à

jiaanvngz a`vcr à avm~j' Mgy zypn à avm~j zhmz bmg fn hmvca~e z` y`~ `v y`~v amciey mgj avingjr

ir zhn zypn z` tmzbh a`v' Y`~v cngzmeizy c~rz bhmgdn z`tmvj b`cfmzigd zhir p~feib zhvnmz fna`vn

y`~ bmg naanbziqney ngdmdn ig jnznvvngbn mgj/`v vnb`qnvy ia y`~ hmqn fnng m qibzic'

Mgyzhigd zhmz r`~gjr z`` d``j z` fn zv~n pv`fmfey ir' ]~nrzi`g zhn mcm{igd`pp`vz~gizinr zhmz vmgj`cey b`cn y`~v tmy (nrpnbimeey fy cmie) zhmz pv`cirn z`

bhmgdn y`~v eian aigmgbimeey% f~z ynz y`~ c~rz pmy aivrz'

Zv~rz y`~v k~jdcngz mgj zmln igz` b`grijnvmzi`g pmrz h`vv`v rz`vinr y`~ cmy hmqnhnmvj av`c amciey mgj avingjr mf`~z avm~j'

Mgy f~rignrr zhmz rnncr ~gamcieimv `v j`nrgz e``l endiz rh`~ej fn }~nrzi`gnj' Y`~bmg metmyr zvy z` qnviay zhmz zhn f~rignrr mbz~meey nxirzr' Zhn Fnzznv F~rignrr F~vnm~

ir m d``j r`~vbn z` qnviay nxirzngbn mgj bvnjifieizy h`tnqnv g`z mee endiz f~rignrrnr

mvn ig Zhn FFFr jmzmfmrn' J` y`~v `tg vnrnmvbh'

Mgy`gn `v f~rignrr zhmz ir zvyigd z` vnmbh `~z z` y`~ mgj àanv y`~ c`gny a`vnxbhmgdn à b~vvngby `v z` `qnvpmy y`~ a`v mg iznc y`~ hmqn p~z ~p a`v rmen% zhng

vn}~nrz zhn jiaanvngbn% cmy fn zvyigd z` rbmc y`~'

Fn NXZVNCNEY bm~zi`~r thng diqigd `~z pnvr`gmeey ijngziayigd iga`vcmzi`g `qnvzhn ph`gn mgj/`v qim n#cmie' Vncncfnv fmglr tiee zypibmeey GNQNV MRL a`v y`~v

mbb`~gz g~cfnv fy ph`gn `v ncmie'


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C`giz`v y`~v bvnjiz bmvna~eey' Vncncfnv izr avnn mgj y`~ bmg fn m fnzznv fmfyrizznvà y`~v pnvr`gme bvnjiz zhmg mgy bvnjiz c`giz`vigd b`cpmgy' Rnn Ijngzizy Zhnaz =?=

Gnqnv diqn c`gny% nrpnbimeey zhv`~dh tivn zvmgranv z` pn`pen y`~ j`gz lg`t `gj`cnrzib dv`~gjr `v igznvgmzi`gmeey'

Gnqnv pmvzibipmzn ig a`vnidg e`zznvinr' Zhny mvn ieendme ig zhn ^giznj Rzmznr' Fn bm~zi`~r thng zncpznj z` ngdmdn ig T`vl#av`c#h`cn k`f àanvr' C`giz`v y`~v fmgl mbb`~gzr' B`gzmbz zhn ^'R' _`rzme Igrpnbzi`g Rnvqibn ia y`~ anne y`~ hmqn vnbniqnj mgy zypn à

avm~j fy cmie;

Bvicigme Igqnrzidmzi`gr Rnvqibn Bngznv

MZZG; Cmie Avm~j

666 R' Viqnvrijn _em{m% R~izn =6>?

Bhibmd`% IE 1?1?1#1=??

@v fy znenph`gn;

=#844#841#6:>>

@v Tnf;

p`rzmeigrpnbz`vr'~rpir'd`q

Lnnp nj~bmzigd y`~vrnea `g zhn emznrz tmyr z` cmigzmig y`~v rmanzy av`c avm~j fyb`grzmgzey qirizigd Rnb~vizyDvmjn'b`c

Thmz j` I j` ia Ic m qibzic0

Rznp =; Rzmy Bmec' Ia y`~ rzmy bmec mgj lnnp m enqne hnmj mf`~z fnigd m qibzic à IJ zhnaz izir amv c`vn eilney y`~ tiee b`cn `~z `g z`p' Iz ir icp`vzmgz zhmz y`~ lnnp m d``j cigjrnz thngdìgd mf`~z zhn gnxz rznpr' Y`~ cmy aigj zhmz emt nga`vbncngz% bvnjiz f~vnm~r% mgj nqngaigmgbime igrziz~zi`gr mvn qnvy hnepa~e thng iz b`cnr z` mrrirzigd qibzicr à ijngzizy zhnaz'

Rznp 6; Jnznvcign zhn gmz~vn à zhn bvicn' Tmr y`~v bvnjiz/jnfiz bmvj ~rnj avm~j~engzey0 Hmrr`cn`gn `pngnj m eign à bvnjiz ~gjnv y`~v gmcn mgj/`v iga`vcmzi`g0 B`grijnv b`gzmbzigd zhnigrziz~zi`gr z` thibh zhn avm~j~engz bhmvdnr/mbb`~gzr igqèqn' A`v nxmcpen% ia y`~v fmgl

rzmzncngz rh`tr ~gm~zh`vi{nj p~vbhmrnr% zhir b`~ej fn m vnr~ez à jnfiz bmvj `v bhnbl avm~j mgjy`~ rh`~ej b`gzmbz y`~v fmgl mgj aien m avm~j bemic' Zhn rmcn d`nr a`v mg ~gm~zh`vi{nj eign àbvnjiz' B`gzmbz zhn bvnjiz`v mgj aien a`v avm~j zhv`~dh zhnc' G`zn;Ia y`~ mvn bnvzmig zhmz `geyy`~v jnfiz bmvj `v bvnjiz bmvj tmr ~rnj avm~j~engzey mgj y`~v aigmgbime igrziz~zi`g hmr mdvnnj z`

vnicf~vrn y`~ mgj g`z hèj y`~ eimfen a`v avm~j~engz bhmvdnr (thibh ir ~r~meey zhn bmrn)% iz cmy

g`z fn gnbnrrmvy z` pv`bnnj tizh zhn vncmigigd rznpr' Vndmvjenrr% iz bmg fn m d``j pvnqngzmziqn

cnmr~vn'


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Rznp 2; Aien m vnp`vz tizh zhn AZB(Anjnvme Zvmjn B`ccirri`g); Y`~ rh`~ej aien m vnp`vz àIJ Zhnaz zhv`~dh zhn AZB mgj rh`t m pvigznj b`py z` emt nga`vbncngz ig rznp :'

Rznp :; Dnz m pèibn vnp`vz mgj pvnrngz zhn IJ Zhnaz b`cpemigz' Emt nga`vbncngz zypibmeeylg`tr nxmbzey thmz }~nrzi`gr z` mrl thng jnmeigd tizh IJ zhnaz qibzicr' Zhniv }~nrzi`gr cmynqng rhnj eidhz `g qmvi`~r `zhnv bivb~crzmgbnr mf`~z y`~v bmrn zhmz y`~ cmy g`z hmqn lg`tg'Zhn cmig fngnaiz à m pèibn vnp`vz ir zhmz iz dvmgzr y`~ bnvzmig endme vidhzr' Mee 2 bvnjiz f~vnm~rtiee tmgz m b`py à zhir vnp`vz mgj iz tiee hnep z` p~z m hmez `g y`~v ijngzizy zhnaz' Bèenbzi`gmdngbinr cmy rz`p bèenbzigd mr m vnr~ez à y`~v bmrn mgj y`~v pnvr`gmeey ijngziayigd iga`vcmzi`gtiee fn fnzznv rmand~mvjnj thng pvnrngzigd zhir vnp`vz z` zhn bvnjiz f~vnm~r' Ig r`cn bmrnr y`~cmy g`z gnnj m pèibn vnp`vz< h`tnqnv iz tiee hnep y`~v bvnjifieizy tizh vndmvjr z` y`~ fnigdqibzici{nj'

Rznp >; B`grijnv rnzzigd ~p Bvnjiz Avm~j Menvz'Zhir bmg fn fnzznv jnznvcignj thnzhnv `v g`z

y`~ rh`~ej zmln zhir rznp fy Emt Nga`vbncngz mgj/`v zhn AZB (Anjnvme Zvmjn B`ccirri`g)'Zhir rznp tiee jnpngj `g zhn rnqnvizy à y`~v pmvzib~emv bmrn' (Beibl hnvn a`v c`vn jnzmier `g

Bvnjiz Avm~j Menvz)

_vnqngzmziqn Cnmr~vnr (Vnj~bigd y`~v virl)

Vncncfnv% zhnvn ir b~vvngzey g` tmy z` b`cpenzney pv`znbz y`~vrnea av`c fnigd m qibzicà ijngzizy zhnaz' Zhn bhmgbnr à iz `bb~vvigd mvn igbvnmrigd% h`tnqnv zhmz ir g` vnmr`g z` anmv iz'Zhn fnrz tmyr z` b`cfmz zhir ir z` mjhnvn z` qmvi`~r pvnqngzmziqn cnmr~vnr mgj lg`t thmz z` j`z` vnb`qnv }~ibley ia y`~ fnb`cn m qibzic'

_vnqngzmziqn Cnmr~vnr

#C`giz`v y`~v bvnjiz' Zhir ir mvd~mfey zhn c`rz icp`vzmgz zhigd y`~ bmg j` z` fmfyriz y`~vijngzizy ir z` rnn thnzhnv `v g`z y`~vn m qibzic à IJ zhnaz mr tnee mr zhir a`vbnr y`~v nynr `pngz` p`zngzime mzzmbl' Zhir bmg fn amivey ricpen ia y`~ j` iz àzng% m cigic~c à `gbn nqnvy rixc`gzhr' Lnnp ig cigj zhmz nmbh à zhn 2 bvnjiz f~vnm~r% fy emt% c~rz pv`qijn y`~ tizh `gn bvnjizvnp`vz pnv ynmv mz g` bhmvdn ~p`g vn}~nrz' Zhmzr 2 avnn bvnjiz vnp`vzr pnv ynmv' Iz bmg fnhnepa~e z` pmy igz` rnvqibnr zhmz c`giz`v y`~v bvnjiz mgj àanv ijngzizy zhnaz igr~vmgbn' H`tnqnv%vncncfnv zhmz zhnrn b`cpmginr zmln zhn rmcn rznpr y`~ bmg zmln (mz g` bhmvdn) z` ngr~vn zhn

rmanzy à y`~v ijngzizy' Beibl hnvn z` enmvg mf`~z (Thmz y`~ j`gz lg`t mf`~z IJ Zhnaz_v`znbzi`g B`cpmginr)

#Igqnrz ig m rhvnjjnv' G`tmjmyr% pn`pen dnz pienr à cmie (r`cn k~gl mgj r`cn g`z) rngz z`zhnc' Mr y`~ mvn dìgd zhv`~dh y`~v cmie% fn b`grbi`~r à mgy cmie zhmz hmr y`~v pnvr`gmeeyijngziayigd iga`vcmzi`g`g iz' Ia y`~ j`gz gnnj z` lnnp zhir pmpnvt`vl% rhvnj iz fna`vn y`~zhv`t iz `~z' (Bv`rr#b~z rhvnjjnvr mvn fnrz')


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#Avn}~ngzey bhmgdn y`~v pmrrt`vjr' Zhir vnanvr z` mee pmrrt`vjr zhmz mppey z` mgyzhigd zhmzcmy ~ge`bl y`~v pnvr`gmeey ijngziayigd iga`vcmzi`g' A`v nxmcpen% fmgl mbb`~gz iga`% bvnjizbmvj iga`% bvnjiz hirz`vy iga`% j`b~cngzr zhmz b`gzmig r`bime rnb~vizy g~cfnvr% mjjvnrrnr% b~vvngz`v pmrz ncpe`ycngz iga`% nzb Zhir b`~ej fn rz`vnj `g y`~v b`cp~znv% tizhig y`~v ncmie

mbb`~gz% mgj tizhig y`~v pnvr`gme rman' B`grijnv bhmgdigd zhn pmrrt`vjr z` mgyzhigd zhmzb`gzmigr y`~v pnvr`gmeey ijngziayigd iga`vcmzi`g'

#Hmqn ph`gn g~cfnvr mgj tnf mjjvnrrnr vnmjy' Thng mgj ia% y`~ nqnv fnb`cn m qibzic àijngzizy zhnaz y`~ tiee gnnj z` cmln b`gzmbz tizh rnqnvme `vdmgi{mzi`gr z` mjjvnrr y`~v irr~n'Hmqn zhnrn g~cfnvr mgj qmvi`~r tnf mjjvnrrnr vnmjy (g`z k~rz ig y`~v tmeenz `v p~vrn f~zr`cnthnvn rmand~mvjnj ig y`~v h`cn `v t`vl mr tnee') Beibl hnvn a`v pnvzigngz iga`vcmzi`gz` qmvi`~r `vdmgi{mzi`gr zhmz tiee mrrirz y`~'

#Nxnvbirigd Mtmvngnrr' Zhir ir m fv`mj cnmr~vn zhmz mppeinr z` cmgy mvnmr' Z` gmcn m `gn% fnc`vn b`grbi`~r à_vnznxzigd' _vnznxzigd ir fnb`cigd c`vn pvnqmengz mr pn`pen mvn fnb`cigdc`vn r`bime% f`zh ig zhn phyribme t`vej mgj ig byfnvrpmbn' Iz ir g`z mr jiaaib~ez mr y`~ cmy zhigl

z` dmig nrrngzime iga`vcmzi`g mf`~z y`~ zhmz bmg fn ~rnj z` b`cciz ijngzizy zhnaz' Zhir a`vc àr`bime ngdignnvigd ir fnigd j`gn mee à zhn zicn `g r`bime gnzt`vligd tnfriznr (i'n'

Ambnf``l'b`c% Cyrpmbn'b`c)% `qnv zhn ph`gn mgj fy ncmie'J` g`z qè~gznnv `v diqn ig z`

mgy`gn vn}~nrzigd pnvr`gmeey ijngziayigd iga`vcmzi`g zhmz y`~ j` g`z anne `v

lg`t a`v r~vn hmr endizicmzn% endme mgj c`vme `feidmzi gr mgj rzmgjmvjr z` bmvn

a`v y`~v iga`vcmzi`g' Zhn mtmvngnrr mrpnbz ir vnmeey ~p z` y`~ ~rigd y`~v fnrz k~jdcngz'

Thmz Y`~ J`gz Lg`t Mf`~z IJ Zhnaz _v`znbzi`g B`cpmginr

IJ zhnaz pv`znbzi`g b`cpmginr pv`qijn y`~ tizh m rnvqibn a`v m ann% nqng zh`~dh zhirrnvqibn ir eiznvmeey avnn' Rh`vz à zhn igr~vmgbn zhmz `gey r`cn àanv% zhnvn ir g`zhigd zhny j` zhmzy`~ bmgz j` a`v AVNN- B`grijnv nqng zhn c`vn c`jnrzey pvibnj b`cpmginr% enzr rmy a`vnxmcpen zhmz bhmvdn *=? pnv c`gzh% j` zhn cmzh''' zhmzr *=6? m ynmv' *=6? m ynmv zhmz zhny zmlnav`c y`~ thng y`~ bmg zmln m ant c`cngzr a`v y`~vrnea m ant zicnr m ynmv z` c`giz`v y`~vbvnjiz' Zhnrn b`cpmginr mvn g`z gnbnrrmviey IJ Zhnaz _v`znbzi`g B`cpmginr% mr c~bh mr zhny mvnbvnjiz c`giz`vigd b`cpmginr' C`rz à zhnrn b`cpmginr j` g`zhigd c`vn zhmg mrrirz y`~ ig zmligdbmvn à m ant d`qnvgcngz cmgjmznj vnr`~vbnr z` mijn ig y`~v vnb`qnvy av`c IJ Zhnaz mr tnee mrdiqn y`~ mjqibn `g h`t z` vnj~bn y`~v virl à IJ Zhnaz'

Bvnjiz Avm~j Menvz

Bvnjiz Avm~j Menvz bmg dvnmzey hnep vnj~bn y`~v virl à IJ Zhnaz% iay`~v pnvr`gmeeyijngziayigd iga`vcmzi`g hmr fnng b`cpv`cirnj (p`zngzimeey nxp`rnj z` zh`rn th` rh`~ej g`zhmqn iz') Iz tiee menvz bvnjiz`vr z` b`gzmbz y`~ ia mgy`gn zvinr z` `png mg mbb`~gz tizh y`~viga`vcmzi`g< h`tnqnv iz ir g`z gnbnrrmviey cmgjmz`vy a`v zhnc z` b`gzmbz y`~' G`zn zhmz emtnga`vbncngz `v zhn AZB (Anjnvme Zvmjn B`ccirri`g) cmy r~ddnrz thnzhnv `v g`z zhir irgnbnrrmvy a`v y`~' Zhnvn mvn 6 jndvnnr à avm~j menvz;


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9? Jmy Menvz; Zhir tiee rnz m zncp`vmvy avm~j menvz a`v y`~ a`v m 9? jmy pnvi`j mgjm~z`cmzibmeey ngjr `g izr `tg ~genrr y`~ vngnt zhn menvz' Zhir menvz bmg fnr~fcizznj `geign `v cy cmie'

4 Ynmv Menvz; Zhir ir lg`tg mr mg nxzngjnj avm~j menvz' Y`~ tiee zypibmeey hmqn z`pv`qijn pv`à zhmz y`~ mvn m qibzic à IJ zhnaz ig `vjnv z` hmqn zhir menvzngmfenj'

Jvmtfmblr à Avm~j Menvz; Fnmv ig cigj zhmz zhir bmg fnb`cn m g~irmgbn ia y`~ mvn zvyigd z`mppey a`v qmvi`~r bvnjiz bmvjr% fmgl e`mgr% nzb' Bvnjiz`vr tiee tmgz z` fn p~z ig b`gzmbz tizh y`~z` fn r~vn y`~ mvn th` y`~ rmy y`~ mvn mgj g`z r`cn`gn nern mppeyigd a`v bvnjiz ~gjnv y`~vijngzizy'

Bvnjiz Avnn{n

M bvnjiz avnn{n tiee hnep z` pvnqngz zhinqnr av`c `pngigd c`rz zypnr à mbb`~gzr ~gjnv

y`~v ijngzizy' Lnnp ig cigj zhir ir g`z gnbnrrmviey mjqirmfen ia y`~v iga`vcmzi`g hmr `gey fnngb`cpv`cirnj mgj y`~ mvn ~gr~vn ia y`~v ijngzizy hmr fnng rzèng< h`tnqnv c`vn mjqirmfen ia y`~mvn bnvzmig izr fnng rzèng' M bvnjiz avnn{n cmy fn r~ddnrznj fy emt nga`vbncngz mgj/`v zhnAZB' Ig r`cn bmrnr m rcmee ann cmy mppey z` ngmfen m bvnjiz avnn{n'

Zhmglr a`v vnmjigd'_vigz pmdnr =6 ! =2 a`v }~ibl vnanvngbn b`gzmbz iga`'

Jnvnl _`vznv

A`~gjnv ! _vnrijngz/Rngi`v Rnb~vizy B`gr~ezmgzigaÒrnb~vizydvmjn'b`c

(46?)>=>#2?4=_'@' F`x :16626 M~v`vm%

B@ 8??:1#6626

&Endizici{igd Rnb~vizy _vànrri`gmer
mailto:[email protected]:[email protected]://www.securitygrade.com/mailto:[email protected]


12/13

=6

Icp`vzmgz IJ Zhnaz b`gzmbz g~cfnvr/mjjvnrrnr

Zhnrn ph`gn g~cfnvr mgj tnf mjjvnrrnr mvn rpnbiaibmeey a`v vnp`vzigd avm~j

Anjnvme Zvmjn B`ccirri`g (AZB)

=#844#IJ ZHNAZ (844#:28#:228)/ ZJJ mz 6?6#261#6>?6

Tnj ^VE;hzzpr;//ttt'azbb`cpemigzmrrirzmgz'd`q/AZBPTi{mvj'mrpx0Emgd3ng

Cmie; AZB 1?? _nggryeqmgim Mqng~n% G'T'% Tmrhigdz`g% JB 6?>8?

R`bime Rnb~vizy Mjcigirzvmzi`g

=#8??#619#?64=/ ZJJ mz 811#>?=#6=?=/ AMX mz :=?#>94#?==8

Tnf ^VE;hzzpr;//ttt'r`bimernb~vizy'd`q/`id/p~feibPavm~jPvnp`vzigd/a`vc'hzc

Cmie; R`bime Rnb~vizy Avm~j H`zeign _'@' F`x =4418 Fmezic`vn% Cmvyemgj 6=62>

N}~iamx

8??#>6>#168>

Tnf ^VE;hzzpr;//ttt'menvzr'n}~iamx'b`c/M~z`Avm~jP@geign/krp/avm~jMenvz'krp

Cmie; N}~iamx _'@'F`x 4:?6:= Mzemgzm% Dn`vdim 2?24:

Nxpnvimg

888#NX_NVIMG (888#294#24:6)
https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=enhttps://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=enhttps://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=enhttps://www.socialsecurity.gov/oig/public_fraud_reporting/form.htmhttps://www.socialsecurity.gov/oig/public_fraud_reporting/form.htmhttps://www.socialsecurity.gov/oig/public_fraud_reporting/form.htmhttps://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsphttps://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsphttps://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsphttps://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsphttps://www.socialsecurity.gov/oig/public_fraud_reporting/form.htmhttps://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en


13/13

=2

Tnf ^VE;hzzpr;//ttt'nxpnvimg'b`c/avm~j/bngznv'hzce

Cmie; Nxpnvimg _'@'F`x 6=?: Meeng% Znxmr 4>?=2

Zvmgr ~gi`g

8??#18?#4689

Tnf ^VE; hzzp;//ttt'zvmgr~gi`g'b`c/b`vp`vmzn/pnvr`gme/b`gr~cnvR~pp`vz/b`gzmbz^r'pmdn

Cmie; Zvmgr ~gi`g _'@' F`x 149? A~eenvz`g% BM 9612:

+Mjj z` zhir eirz y`~v aigmgbime igrziz~zi`gr% bvnjiz`vr mgj e`bme emt nga`vbncngzr

iga`vcmzi`g+
https://www.experian.com/fraud/center.htmlhttps://www.experian.com/fraud/center.htmlhttps://www.experian.com/fraud/center.htmlhttp://www.transunion.com/corporate/personal/consumerSupport/contactUs.pagehttp://www.transunion.com/corporate/personal/consumerSupport/contactUs.pagehttp://www.transunion.com/corporate/personal/consumerSupport/contactUs.pagehttps://www.experian.com/fraud/center.html

identity theft & common fraud 101

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