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HERE'S MORE FOR YOUR ACTION PLAN: 1. USE A PASSWORD MANAGER TOOL OR APP. Password managers such as LastPass or Bitwarden store and protect passwords using strong encryption. Both offer

free and for-a-fee services and you can find them in the App Store or online. 2. SECURE PERSONAL PAYMENTS WITH DIGITAL WALLETS such as Apple Pay and Google Pay. They're standard

features on most smartphones and retailers accept them widely. Wallets use encryption to prevent payment card information from being shared in the open with merchants. 3. LOCK YOUR PAYMENT

CARDS. Many financial institutions offer card controls that manage how and where payments can be made. Consumers also can decide if they want to limit amounts spent, restrict spending to

geographical areas or prevent card use at certain types of merchants, such as jewelry stores. 4. ENABLE TWO-STEP AUTHENTICATION TO ACCESS DIGITAL ACCOUNTS. Onetime access codes make it

difficult for criminals to take over sensitive email, financial and mobile phone accounts. 5. HANG UP ON STRANGERS, AND INDEPENDENTLY VERIFY EVERYTHING. Do not speak to people you do not

know who contact you about sensitive, urgent or threatening personal business matters. 6. WRITE DOWN IMPORTANT TELEPHONE NUMBERS AND KEEP THEM IN A SAFE PLACE. Criminals are now posting fake

customer-service numbers online. It's safer to make a list of trusted companies so you may reach them quickly. 7. SAFEGUARD EVERY COMPUTER DEVICE WITH STRONGER SECURITY METHODS. Mobile

phones, laptops and tablets typically contain sensitive PII, so access to every digital device should be secured with complex passwords and screen locks that use a fingerprint or facial

recognition. 8. INSTALL ANTI-MALWARE PROTECTION ON ALL DIGITAL DEVICES: laptops, mobile phones, personal computers and tablets.