The email message below with the subject: "Payment Summary (Group Certificate) for 2014/15 financial year," is a fake and is malicious. The email is being sent by cyber-criminals and has a virus or a Trojan horse attached to it. Any attempts to open the malicious attachment, will infect your computer with a virus or Trojan horse, which will create a back-door on your computer that will allow cyber-criminals to come in and steal your personal and financial. They may also use it to take control of your computer, which they will use for other fraudulent purposes. Continue reading...