March 31, 2016
Scammers claiming to be IRS; calls and emails continue with tax deadline approaching

Scams using the IRS as a lure will continue to circulate. Most commonly, scams come in the form of phone calls and emails from thieves who pretend to be from the IRS. They may use the IRS name, logo or a similar sounding website to try to steal your money. 

Be wary of sudden phone calls or automated messages from someone who claims to be from the IRS. If you are contacted by these scammers, they may say you owe money and must pay right away. Other times they may tell you that they owe you a refund and ask for your bank account information over the phone. The following are several tips that will help you avoid becoming a victim of these scams.

The real IRS:
  • Will NOT call you to demand immediate payment. The IRS won't call you if you owe back taxes without first sending you a bill in the mail.
  • Will NOT demand tax payment without allowing you to question or appeal the amount you owe.
  • Will NOT require that you pay your taxes a certain way. For example, demand that you pay with a prepaid debit card.
  • Will NOT ask for your credit or debit card numbers over the phone.
  • Will NOT threaten to bring in local police or other agencies to arrest you for not paying.
  • Will NOT threaten you with a lawsuit.
If you don't owe taxes or have no reason to think that you do:
If you think you may owe taxes:
  • Ask for an employee badge number.
  • Call the IRS at 800.829.1040. IRS employees can either confirm that you are speaking to a real employee, or help you report a scam.
In most cases, an IRS phishing scam is an unsolicited, bogus email that claims to be from the IRS. They often use fake refunds, phony tax bills, or threats of an audit. Some emails link to false websites that can look very real. The scammer's goal is to lure victims to give up their personal and financial information. If they get what they want, they use it to steal victims' money and identity.

If you receive a phishing email, the IRS offers this advice:
  • Don't reply to the message.
  • Don't give out your personal or financial information.
  • Report the email to the IRS.
  • Don't open any attachments or click on any links. They may have malicious software that could infect your computer.
More information on how to report phishing or phone scams is available on IRS.gov.
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Customer Spotlight
Lapeer County EMS

Lapeer County EMS is the area's only municipal-owned ambulance service. Created in 1997 by the merging of three local ambulance agencies, the service is now governed by a seven member Board of Directors with representatives appointed by thirteen municipalities within Lapeer County.

Lapeer County EMS (LCEMS) is proud to serve the community with more than just emergency transport. LCEMS offers education services to the community and local businesses in CPR, First Aid and the use of Automated External Defibrillators (AED). A community that is trained in these skills means more lives can be saved. LCEMS also offers an Emergency Medical Technician - Basic (EMT) course, for those interested in helping their community or pursuing a career as an EMT.

Non-emergency ambulance transport, as well as wheelchair and ambulatory medical transportation, is also offered by LCEMS and can be easily scheduled by calling 810.664.1499.

Lapeer County EMS has State of Michigan licensed Instructor Coordinators on staff to provide continuing education to its employees. All EMS personnel are American Heart Association CPR for the Healthcare Provider certified and are updated on a yearly basis. In addition, all Paramedics are American Heart Association Advance Cardiac Life Support (ACLS) certified. 

LCEMS is committed to serving the residents of Lapeer County through superior medical care, state of the art equipment and community education. For more information call 810.664.2927.

Kieth Rumbold
LCEMS Director
3565 Genesee Rd.
Lapeer, MI 48446
810.664.2927
In the Community
Community Shred Days 2016
Two Extreme Shreds trucks will be at the LCBT Main Office in downtown Lapeer on Sat., April 2, from 9:00 a.m.-noon, or until the trucks are full.

Everyone is welcome to drop off their documents for shredding.You do not need to be a LCBT customer to participate! Additional dates and information can be found on HERE.
LCBT hosts Blood Drive
LCBT is teaming up with the American Red Cross to host a Community Blood Drive.
The Blood Drive will be held at:
1175 South Lapeer Road in Lapeer on
Friday, April 15 from 10:00 a.m. until 4:00 p.m.
To schedule an appointment, visit redcrossblood.org (sponsor code: LCBT) 
or call 800-RED-CROSS (800.733.2767)
For FAQs and Eligibility Requirements please visit RedCrossBlood.org


Social Security Seminar
Lapeer County Bank & Trust Co. invites you to an evening of exploring ways to MAXIMIZE your Social Security Benefits
Wednesday, April 27, 2016 from 5:30 to 7:30 p.m.
at The White Horse Inn, 1 East High Street, Metamora, MI 

Please RSVP by Monday, April 11 to Melissa Riley at 810.245.2935.
For more information, see our Social Security Flyer .
Important Information: Lapeer County Bank & Trust Co. is pleased to provide the information contained in this newsletter to our customers seeking to gain the most value from their banking relationship with us. The content of this newsletter contains advertising of products and services. LCBT encourages you to discuss your specific situation with your banker or other advisor before acting on ideas offered in Business Connections.
If this is your first time receiving the Lapeer County Bank & Trust Co. Business Connections Quarterly Newsletter - Welcome! Business Connections is a perk for being our customer and designed exclusively for you - a business person. This newsletter will keep you up to date on things happening in the Bank and around our communities. We welcome your feedback, please send it by clicking here. For additional information on products and services visit us at LCBT.com.
Lapeer County Bank & Trust Co. | 810.664.2977 | community@LCBT.com | LCBT.com
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Lapeer County Bank & Trust Co. Marketing | P.O. Box 250 | 83 W. Nepessing St. | Lapeer | MI | 48446