+--------+---+-----------------------+--------+----------------------+---+
| # O    | # |                       |        |                      | # |
|        | # |                       |        |                      |   |
| ##     | # |                       |        |                      |   |
|        | # |                       |        |                      | # |
|        |   |                       |        |                      |   |
|        | A |                       |        |                      |   |
|        | L |                       |        |                      | # |
|        | E |                       |        |                      | # |
|        | R |                       |        |                      |   |
|        | T |                       |        |                      |   |
|        |   |                       |        |                      |   |
|        | 2 |                       |        |                      |   |
|        | 0 |                       |        |                      |   |
|        | 0 |                       |        |                      |   |
|        | 6 |                       |        |                      |   |
|        | - |                       |        |                      |   |
|        | 1 |                       |        |                      |   |
|        | 3 |                       |        |                      |   |
+--------+---+-----------------------+--------+----------------------+---+
|        | * |                       |        |                      |   |
|        | * |                       |        |                      |   |
|        | O |                       |        |                      |   |
|        | C |                       |        |                      |   |
|        | C |                       |        |                      |   |
|        | A |                       |        |                      |   |
|        | L |                       |        |                      |   |
|        | E |                       |        |                      |   |
|        | R |                       |        |                      |   |
|        | T |                       |        |                      |   |
|        | * |                       |        |                      |   |
|        | * |                       |        |                      |   |
+--------+---+-----------------------+--------+----------------------+---+
| ## Com |   |                       |        |                      |   |
| ptroll |   |                       |        |                      |   |
| er of  |   |                       |        |                      |   |
| the Cu |   |                       |        |                      |   |
| rrency |   |                       |        |                      |   |
|        |   |                       |        |                      |   |
| > A    |   |                       |        |                      |   |
| dminis |   |                       |        |                      |   |
| trator |   |                       |        |                      |   |
| > of   |   |                       |        |                      |   |
| > Na   |   |                       |        |                      |   |
| tional |   |                       |        |                      |   |
| >      |   |                       |        |                      |   |
|  Banks |   |                       |        |                      |   |
+--------+---+-----------------------+--------+----------------------+---+
| ## Su  |   | Counterfeit Cashier's | Descri | Woodhaven National   |   |
| bject: |   | Checks                | ption: | Bank                 |   |
+--------+---+-----------------------+--------+----------------------+---+

**TO:** Chief Executive Officers of All National Banks; All State
Banking Authorities; Chairman, Board of Governors of the Federal Reserve
System; Chairman, Federal Deposit Insurance Corporation; Director,
Office of Thrift Supervision; Conference of State Bank Supervisors;
Deputy Comptrollers (districts); Assistant Deputy Comptrollers; District
Counsel; and All Examining Personnel

**RE:** Counterfeit Cashier's Checks of Woodhaven National Bank, Fort
Worth, Texas

The above-named bank has reported that counterfeit cashier's checks,
issued in the bank's name and using a correct routing number of
051900353, are being presented for payment in connection with certain
advanced-fee scams. One of the scams involves the use of a newspaper
advertisement soliciting secret shoppers. Once the potential victim
calls the number in the advertisement, the caller is mailed a
counterfeit check in the amount of \$974.00, along with a letter signed
by Donna Doffy that provides instruction on how to participate as a
secret shopper. The letter instructs the recipient to cash the
counterfeit check at his or her bank and then wire a significant portion
of the funds to a person located in Canada. Recipients are advised to
retain \$100.

Counterfeit checks issued in the bank's name are also being circulated
in connection with fraudulent lotteries and sweepstakes, as well as
Internet purchases. One of the lottery scams is conducted by an
organization called "Ambassadors of Hope Lotto." The lottery letter is
signed by Regina Taylor with a return address of 2887 Jefferson Avenue,
Brampton, ON L6S1W8. The Internet purchase scam involves a purchaser's
overpayment for an item offered for sale by using a counterfeit check
issued in the bank's name, with instructions to the seller to wire the
excess amount back to the purchaser.

The counterfeit checks may be either brown or red and blue multi-colored
in appearance. The bank's logo and name appears in the top-left corner
of the instrument, the words "CASHIER'S CHECK" are enclosed in a
darkened box in the top center portion, and the telephone number of
(866) 856-7032 follows the bank's address. This number is answered by an
automated voice messaging system identified as the "Controlled
Disbursement Account Department of M.D. Moody & Sons." There is no
remitter area on the check, and the printed dollar amounts on most of
the checks are slanted. The serial number is printed in red ink, and
most of the checks presented to date contain the facsimile signature of
"Ron J. Casey."

Authentic cashier's checks issued by the bank are light pink in color
with black print. The bank's name and logo are located in the top center
portion of the instrument followed by a remitter section, the bank's
address, and the bank's telephone number (817) 496-6700. A security
statement appears in the top-left corner, and a "Notice to Customers"
appears in the lower-left section. Checks made payable for \$2,500 or
less contain the facsimile signature of Ron J. Casey, while higher
amounts are hand signed by authorized bank personnel.

For additional information and guidance or to verify the authenticity of
Woodhaven National Bank's cashier's checks, please contact Joshua
Spivey, Security Officer, 6750 Bridge Street, Fort Worth, Texas
76112-0816, by telephone at (817) 492-2227, by fax at (817) 496-6700, or
via e-mail at \[jspivey@woodhavenbank.com\].

Additional information concerning this matter that you believe should be
brought to the attention of the OCC may be forwarded to:

E-mail: occalertresponses@occ.treas.gov

Mail: Office of the Comptroller of the Currency

Enforcement & Compliance Division, MS 8-10

250 E Street, SW, Washington, DC 20219

Fax: (202) 874-5301

Internet: [http://www.occ.treas.gov](http://www.occ.treas.gov/)

> For additional information regarding other types of financial fraud,
> please visit the OCC's anti-fraud resource at:
> <http://www.occ.treas.gov/fraudresources.htm>.

Brian C. McCormally

Director for Enforcement & Compliance