About to pay out trust funds? STOP! Recently, an Okanagan firm just narrowly escaped paying funds from an estate distribution to a fraudster posing as their client and changing payment instructions in an email to a US account. Before paying out, verify that new or changed instructions by email are legitimate through direct phone (using the number on your client file) or in-person contact with your client. This is a condition of your new cyber coverage. Also, we strongly recommend that you review the tips found here with all staff. If you suspect that you have been the victim of a cybercrime, immediately follow the reporting instructions on the LIF website. Even if you have escaped a loss, report as the fraudster may still be lurking in your system waiting for the next opportunity.