Alert 2006-45
ALERT

    Subject:  Counterfeit Cashier's Checks
Description:  ANB Financial N.A.

       Date:  August 23, 2006

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 ANB Financial N.A.,
     Bentonville, Arkansas

The above-named bank has reported that counterfeit 
cashier's checks issued in the bank's name and using a 
correct routing number of 082901826 are being presented 
for payment both locally and nationwide in connection 
with a lottery scam.   

The counterfeit items contain the words "Arkansas 
National Bank, Bentonville, AR" in the top-center portion
of the check, followed by a toll-free number of 
1-888-239-1244, which is not associated with ANB 
Financial.  The ANB logo is located in the top-left 
corner of the instrument, and the following phrase is 
contained within the top border: "The face of this 
document has a colored background on white paper."  The 
following security statement is located along the bottom
border of the instrument: "The back of this document 
contains an artificial watermark - hold at an angle to 
view."   Checks presented to date have been made payable
in the amounts of $3,500 and $4,875 and have used the 
checks numbers of 887490032, 69884701, and 5246132.  They
have been dated 7/25/2006 and 8/3/2006 and may show the 
remitter as Crown Locators Inc. or Shopping Group Inc.

Correspondence accompanying the counterfeit items 
contains the letterhead of "CROWN LOCATORS INC., 
Unclaimed Funds Resources and Payment Verification 
Center, Suite 1200 80 Queen Street, Kitchener, ON N2H6L4.
The letters, which may be signed by either Brian Malden 
(Holder of Procuration) or Susan Wyatt (Accts. Manager),
notify the recipient of their winning status and explain
that the enclosed check is to assist with the processing
fees that have accrued due to the funds being in an 
unclaimed status.  Recipients are instructed to contact
the Sweepstakes Agent at 1-519-694-1584 ext 200) 
immediately.  

For additional information and guidance, please contact 
Cynthia White, Vice President/Compliance, ANB Financial 
N.A., 706 South Walton Boulevard, Bentonville, AR  72712,
by telephone at (479) 878-3014, by fax at (479) 878-4314,
or via e-mail at [cwhite@anbfinancial.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
               	Special Supervision Division, MS 6-4
               	250 E Street, SW, Washington, DC   20219
	  Fax:  (202) 874-5214
     Internet:	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.



Gerard Sexton, Acting Director
Enforcement & Compliance Division