+--------+---+-----------------------+--------+----------------------+---+
| # O    | # |                       |        |                      | # |
|        | # |                       |        |                      |   |
| ##     | # |                       |        |                      |   |
|        | # |                       |        |                      | # |
|        |   |                       |        |                      |   |
|        | A |                       |        |                      |   |
|        | L |                       |        |                      | # |
|        | E |                       |        |                      | # |
|        | R |                       |        |                      |   |
|        | T |                       |        |                      |   |
|        |   |                       |        |                      |   |
|        | 2 |                       |        |                      |   |
|        | 0 |                       |        |                      |   |
|        | 0 |                       |        |                      |   |
|        | 5 |                       |        |                      |   |
|        | - |                       |        |                      |   |
|        | 2 |                       |        |                      |   |
|        | 2 |                       |        |                      |   |
+--------+---+-----------------------+--------+----------------------+---+
|        | * |                       |        |                      |   |
|        | * |                       |        |                      |   |
|        | 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 | The Farmers National |   |
| bject: |   | Checks                | ption: | Bank Lebanon,        |   |
|        |   |                       |        | Kentucky             |   |
+--------+---+-----------------------+--------+----------------------+---+

**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 The Farmers National Bank,
Lebanon, Kentucky

The above-named bank reports that counterfeit cashier's checks issued in
the bank's name and using an incorrect routing number are being
presented for payment. These checks, along with fraudulent lottery claim
letters, are being mailed to individuals. While law enforcement has
seized a number of these packages, the counterfeit checks are already in
circulation and are being presented for payment. The fraudulent letters
originate from two different locations in Canada and contain one of the
following letterheads:

-   Gwen Rubenstein, Central Management and Payment Centre, Lottery
    Resources Management & Payment Verification Centre, Suite 1100,
    10665 Jasper Avenue, Edmonton, AB T5J3S9, Telephone: 1-403-667-5614,
    Fax: 1-403-714-8852.

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-   Kelly McDonald, Contact Marketing & Communications, Inc., Claims
    Management & Payment Verification Centre, 5809 Macleod Trail South
    West 206, Calgary, AB T2H0J9, Telephone: 1-403-714-3532, Fax:
    1-403-397-1671.

The counterfeit checks may be identified by the following: A dark border
printed at the top of the check that includes a notice "This Document
has a Colored Background and Microprinting. The Reverse Side Includes an
Artificial Watermark." The checks are printed on computer check stock of
an unknown color, possibly green, and contain an incorrect ABA number of
either 043310139 or 4310139. The bank's name appears next to the bank's
logo in the top left corner of the check with the statement "Member
FDIC" appearing below it. The bank's logo appears in a darkened square,
and the words "OFFICIAL CHECK" are located in the top center of the
check. The statement "Issued by Integrated Payment Inc., Englewood
Colorado To Farmers National Bank. For Inquiries regarding this
Instrument, Phone (778) 861-1796 or (804) 906-1800" appears in the
bottom left portion of the check. A Remitter section is included in the
bottom right section and shows either "DAVID McBRIDE" or "Contact
Marketing & Communication Inc." as the remitter.

> Authentic cashier's checks issued by the bank are yellow in color and
> contain the bank's routing number, 083901728. The bank's logo appears
> in red in the top left portion of the check. The bank's name, city,
> and state appear in the top center portion of the check. The correct
> information is The Farmers National Bank, Lebanon, KY. The remitter
> section appears directly under the bank's logo. The words "Cashier's
> Check" appear in red in the bottom left portion of the check, and the
> back of the check shows a continuing string of the words "ORIGINAL
> DOCUMENT."
>
> You can verify the authenticity of The Farmers National Bank's
> cashier's checks by contacting Gilbert Todd, cashier, at 136 W. Main
> Street, Lebanon, KY 40033, by telephone at (270) 692-3177 or by fax at
> (270) 692-3426.
>
> 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

Brian C. McCormally

Director for Enforcement & Compliance