Blog Archive

Cyber security

Equifax Hack: What Now?

Wednesday, September 27th, 2017

A few weeks ago credit reporting agency, Equifax, announced that they had been hacked earlier this year. Equifax claims the personal data of roughly 143 million Americans and some 100,000 Canadians has been stolen. Hackers were able to access names, addresses, Social Security numbers, driver’s license numbers and credit card numbers. Although this is not the largest data hack of a company, it is likely the most dangerous in terms of the type of data that was stolen which has more to do with identity fraud than credit fraud.

The Equifax hack is not something that should be taken lightly, and with roughly 143 million Americans affected, it is safe to assume your data may have been stolen. In the weeks, since Equifax’s announcement, we have had many clients asking how they can proactively protect themselves after this hack.

First, you need to be aware of who provides you with credit and monitor its usage. Next, understand that monitoring your credit and monitoring your identity are useful tools, so you can be alerted right away if someone tries to steal your identity. Keep in mind, there is no way to prevent all kinds of identity theft. Further, there is no way to protect you from someone filing a tax return on your behalf or using your information to perform insurance or medical fraud.

We encourage consumers to check their credit reports provided by the three major credit agencies: TransUnion, Experian and Equifax. The quickest way to check all three credit reports is at www.annualcreditreports.com (the only website recommended by the Federal Trade Commission). Please remember, you are checking your comprehensive credit report, not your FICO score. You can select one or all three and each agency must provide you with a free report every year, if requested. You can download the report, print it at home or review online.

What’s important is that you take the time to look at your credit reports closely. Check for any unused credit cards or lines of credit and have them closed. Additionally, you should be checking your credit card statements closely for any strange charges – especially on a monthly basis. Oftentimes, something small but recurring is when fraud goes unnoticed.

A second way to protect yourself have is to request a credit freeze. This will not affect your credit score; however, freezing your credit does require managing a number of moving parts. First, you have to make this request for each of the three credit reporting agencies by calling them and providing them with your name, address, date of birth, Social Security number and other personal information. Generally, a nominal fee of $5-$10 is involved to freeze your credit.

Once the request is approved, the credit reporting agency through which you requested the freeze will send you a confirmation letter with your unique PIN number. We recommend keeping this PIN in a safe place where you will remember it because it is required to lift a credit freeze. Lifting a credit freeze also involves a nominal fee and will take several days. Keep in mind, you have to do this for all three agencies with their respective PIN numbers.

While a credit freeze will make it more difficult for a thief to open new accounts in your name, it can be very burdensome to you as a consumer. When there is a freeze on your credit, you are unable to request credit reports, and you will be prevented from opening a new credit card or bank account. A credit freeze may also impede your ability to apply for employment, rent an apartment or buy insurance.

If freezing your credit seems like a daunting task, you have another option. You may enroll in a paid service that monitors your identity as well as your credit.  Monitoring your identity will alert you if your personal data is found on illicit websites or appears on someone else’s public records. You can have a service scan for your email address, driver’s license number and medical insurance numbers too. One way identity thieves commit fraud is by blending personal information from a variety of sources and creating a new person – this is called Synthetic Fraud.  Imagine, someone uses the Social Security number of deceased person with your name and someone else’s address.

When looking to pay for a credit monitoring service, be sure to check if they just monitor your credit usage or will include personal data scans. It’s possible you have free credit monitoring through your credit card company like Discover, as a benefit as an AAA member or some other associations. If you were part of the OPM hack and enrolled in My ID Care, you have that monitoring through 2025 which includes Identity Restoration support. If you were lucky enough not to be part of the OPM hack, you can pay a provider like My ID Care or Identity Guard $10-$20/month for the monitoring services and restoration services. If you have children, some of these providers allow you to include their Social Security numbers as well.

Lastly, there’s “Identity Theft Protection” which is offered through companies like LifeLock. While they cannot prevent your identity from being stolen, they claim they can help restore your credit and save you time contacting the various credit card companies and banks which you use. Some of the providers listed above, including LifeLock, offer this assistance. The Federal Trade Commission also has a great website (identitytheft.gov) for walking you through the steps to report and recover from identity theft on your own, and it is free to use.

We also suggest a few simple things you should do on a regular basis to protect yourself. Changing passwords on your main email account and financial accounts every six months is a proactive way to prevent hackers from gleaning sensitive data within your emails or your bank account information. You want to make sure your password is strong with a mix of lowercase and uppercase letters and special characters. A weak password on your accounts is a low bar for hackers.

A handful of financial institutions allow you to use a PIN in lieu of security questions and many are now offering dual authentication features such as texting a code to your phone that must be used within a short timeframe. If you’re a client of Charles Schwab & Co, you can add voice recognition to your profile. Just call the client service number 1-800-515-2157 and they’ll be happy to set it up for you.

Our goal with this article is not to scare you or make you feel insecure about your personal information. The reality is that this is the technological world in which we live. Cybersecurity is becoming more and more important and if we can equip you with the skills and information to combat cybercrime, we hope that you will be able to rest easy knowing you information is safe.

The Equifax Data Breach

Friday, September 8th, 2017

On September 7, credit reporting agency, Equifax, dropped a consumer bombshell. It revealed that cybercriminals had gained access to the personal information of as many as 143 million Americans between May and July – about 44% of the U.S. population. The culprits were able to retrieve roughly 209,000 credit card numbers, in addition to many Social Security and driver’s license numbers.

How can you find out if you were affected? Visit equifaxsecurity2017.com, the website Equifax just created for consumers. There, you can enter your last name and the last six digits of your Social Security number to find out, but the information provided by Equifax as to whether you are affected by this breach is vague at best.

If you are among the consumers whose data was hacked, Equifax will ask you to return to equifaxsecurity2017.com to enroll in their credit monitoring product, TrustedID Premier. This program will provide you with free credit monitoring for a year, but keep in mind that by signing up for TrustedID you are potentially giving up your legal rights in a class action lawsuit. In order to opt-out of this arbitration clause, you must notify Equifax, in writing, within 30 days from the date of your enrollment that you want to be excluded from the arbitration provision. 

How should you respond? Beyond simply taking Equifax up on its offer of one year of free credit monitoring, you can take other steps.

Check your credit reports now. (Unless you have already done so in the past month). You can get one free credit report per year from Equifax, TransUnion, and Experian. To request yours, go to annualcreditreport.com. Scrutinize your credit card and bank account statements for unfamiliar activity, and sign up for email or text alerts offered by your bank or credit card issuer(s), so that notice of anything suspicious can quickly reach you.

Change the password for your main email account. A weak password on that account is a low bar for hackers to hurdle – and once hurdled, that crook could potentially pose as you to change the passwords on your financial accounts. You may also want to consider adding an additional layer of security with dual authentication features such as security questions, security codes, etc.

Regarding bank, investment, and credit card account passwords, avoid the obvious. Too many people use simple passwords based on their pet’s name, their last name and year of birth, the high school they attended, etc. Sadly, these same simple facts are often answers to security questions for credit card and bank accounts. Ask your bank or credit card issuer if you can use additional, random words or a PIN for passwords or security question answers. That way, you can avoid logging in using data that is in the public record. You want your password to be long and random, to make it harder for a would-be thief to guess.

You may want to consider paying for additional identity theft protection for years to come. This is one way to try and shield yourself from the unauthorized use of your Social Security number, driver’s license number, email accounts, and credit card numbers.

If someone calls you out of the blue claiming to be from Equifax, do not cooperate with them. Unless Equifax is returning your call, they will not contact you by phone. The same applies if you get a random, unsolicited email or text from “Equifax” – do not comply, or you may inadvertently hand over personal information to a fraudster. Stay vigilant, today and in the future.

Preventing Identity Theft

Wednesday, January 11th, 2017

Identity theft is becoming more and more of an issue in our daily lives. Many of Kendall Capital’s clients have expressed concern about the recent rise in identity thefts. If you’re concerned, here are some steps you can take to help defend yourself.

Don’t trash it; shred it. Shred anything financial, aside from your tax records: credit card statements, bank statements, old checks, deposit slips—you name it. A cagey thief can borrow thousands of dollars or order checks in your name with such data.

If you don’t want to spend time shredding them yourself, you can pay to have it done – there are office supply stores that now offer the service. If you really must keep these periodic records, hide them in the most unvisited place possible.

Hide your Social Security card. The only time you may need to show it to anyone is when you start a new job. Otherwise, there’s no need to carry it around.

Don’t buy things through obscure websites or payment services. If you’ve never heard of the company or the payment method used by the seller, don’t take the risk – or, at the very least, do some research to find out if there have been any identity theft problems linked to the seller or the payment engine.

Learn to recognize a phishing attack. Phishing is when an identity thief sends you an email message that mimics a legitimate communication from a credit card firm, bank, or government agency. Skillful phishing tricks a recipient into handing over account passwords and confidential personal or financial information. Phishing is also becoming increasingly common on smartphones, and on social media hubs.

How can you spot a phishing scam? First of all, credit card companies, banks, and government agencies will never ask you for your password or account info by email – so if you see this, it is a red flag. Phishing emails usually tell you your account is going to be closed, or they promise you a big gift. They try to lure you to an unsecured website. A truly secure site address always begins with https://, and your browser should show an icon of a closed lock in the upper left-hand corner.

Ask for an annual credit report from Equifax, TransUnion, and Experian. These are the three American credit reporting agencies. Get an annual report from each of them; you are legally entitled to download one free credit report per year from each bureau. This will tell you if someone else has opened an account in your name. Following these simple steps will better protect you from identity theft.

 

The New Age of Cyber Fraud

Wednesday, April 20th, 2016

In our modern world, email hacking has become quite advanced. Gone are the days when you received an email asking to wire money to a friend stranded in Milan after his wallet was stolen. Today’s hackers are sophisticated, clever and patient. They break into your email and read everything about your personal life. Hackers piece together information from your social media accounts and check out websites you frequent to learn of your hobbies and vacation plans. This type of snooping is called Social Engineering.

When hackers think they’ve found a good target, they go Phishing for a big payoff. Phishing is the practice whereby criminals use your legitimate email address or create a “spoofed” email address incredibly similar to your own to write to your friends and financial advisors to persuade them to send money. Phishing may also fool you into going to a criminal’s website which looks very similar to one to which you are accustomed and ask you to key in personal information or reset a password.

Financial institutions are a chief target for social engineering and phishing scams. In the past, it was easy to tell if the email sender was not the client simply by noting poor grammar or misspelled words. Today’s hackers hire native speakers to read your emails and then write to your friends and financial institutions. They learn with whom you bank and invest your money by looking for keywords like “Wire Transfer”, “Bank Transfer”, and “Account”. Hackers are also savvy to the reasons why we might need an urgent cash transfer. They’ve figured out that one is more likely to send a wire or a check to a domestic account or a person’s address. In these cases, the hackers have hired “mules” to live in the U.S. and open bank accounts for this purpose. Then they quickly wire cash out of the U.S. where it is rarely retrieved.

At Kendall Capital, we’re watching out for our clients by educating ourselves, and our clients, on these current trends to help our client’s money safe. We also implement simple but effective procedures such as requiring verbal confirmation anytime client ask us to send cash to an account other than a previous established ACH linked account. If we must send the client a form to sign, we’ll either omit client’s personal identifying numbers or password protect the document. For our clients Kendall Capital’s emails may be vague to do our best to refrain from using those financial services keywords which make you a tempting target. We’re also using the technological tools available to us such as e-delivery, e-signature and setting up links to client bank account in advance.

Now, you may be asking yourself what you can do to make yourself less of a target for hackers. The best way to prevent criminals from reading your email and accessing your financial accounts is by changing your passwords often. The more frequently you change it and the stronger the password, the less likely someone will be able to read your emails and personal information. If you must use the same password for several purposes, please at least make it different for your email and your money. We have provided five tips for creating and periodically changing your passwords that will not be easily hacked:

  1. Think of your password like a toothbrush – don’t let anyone use it and change it every six months.
  2. Avoid the obvious – today’s hackers use brute-force programs to guess your password in as little as 3 minutes.
  3. Make it Complex – add numbers and symbols.
  4. Use a Passphrase – if you have the space, why not make it a combination of words. Ideally, you should use at least 10 characters when possible.
  5. Keep it Weird – think of vanity license plates which use numbers instead of letters, but you still understand the meaning. Even adding a space where it doesn’t belong helps tremendously.

It may seem daunting keeping track of multiple passwords. Thankfully, there are software programs called “Password Managers.” They can be used on your computer or smartphone and not only make it easy to organize the dozens of providers requiring log-in credentials but come with helpful tools that remind you when it’s time to change your password. They cost nothing or charge a nominal annual fee to synchronize with your devices. Best of all, you only need to remember one User Name and Password to gain access to the rest.

So remember, be VIGILANT – pay attention to your online experiences. Be VERBAL – if you are a client of Kendall Capital Management, expect a phone call from us or, better yet, call us before you send an email request to transfer cash so we know it’s legitimate. VERIFY – use software programs to help you create and keep track of less-hackable passwords so vendors can verify it’s really you. We’ve seen these hackers in action. You can rest assured we’ll be vigilant in order to protect our clients.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.

Please be aware that you are leaving www.kendallcapital.com and will be redirected to a third party website. Kendall Capital has no control over information at any third party site accessed from www.kendallcapital.com. Kendall Capital makes no representation and is not responsible for the quality, content, nature, or reliability of any linked site. The inclusion of any link does not imply endorsement, investigation, verification or monitoring by Kendall Capital. In no event shall Kendall Capital be responsible for your use of a third party site. Thank you for visiting Kendall Capital's website.