Should you follow the instructions, however, you may unwittingly become the victim of fraud. The e-mail is actually a counterfeit `spoof’ and the link leads to a Web site that looks like your bank's, right down to the URL address that appears in the window. But it’s actually the creation of tech savvy cyber-criminals who are forging legitimate logos, Web sites, and links—even URL addresses (hiding the actual Web address and substituting a fake URL that matches a legitimate address)—to try and get recipients to give up personal and financial information. The first of these so-called "phishing" attacks were ...