### Comment:
What are some common online fraud schemes that individuals should be aware of?

### REPLY:
Some common online fraud schemes that individuals should be aware of include specific phishing scams targeting banking customers of XYZ Bank. These scams involve sending emails that mimic official communication from the bank, asking customers to click on a link and provide their login credentials. This information is then used to gain unauthorized access to the customer's bank account. It's important for individuals to be aware of these specific scams and take necessary precautions to safeguard their personal and financial information.