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�౦��Ϸ���� (�౦��Ϸ����) has learned that fictitious cashier's checks drawn on "Ferndale Trust & Loan" are in circulation. The address shown on the checks is 22750 Woodward Avenue, Ferndale, MI 48226. The Michigan Division of Financial Institutions has advised that Ferndale Trust & Loan does not exist. A photocopy of one of the checks is attached for your information. At least one of the checks has been presented in Florida, and inquiries about these checks have been received from other areas of the United States.

Information concerning these checks or similar items may be forwarded to the �౦��Ϸ����'s Special Activities Section, 550 17th Street, N.W., Room F-6012, Washington, DC 20429.

For your reference, all �౦��Ϸ���� Financial Institution Letters published since January of 1995 may be found on the �౦��Ϸ����'s Web site at under "Newsroom, Events & FOIA." To learn how to automatically receive �౦��Ϸ���� Financial Institution Letters through e-mail, please visit http://www.fdic.gov/news/news/announcements/index.html .

Attachment (not available electronically)

Distribution: �౦��Ϸ����-Supervised Banks (Commercial and Savings)

NOTE: Paper copies of �౦��Ϸ���� financial institution letters may be obtained through the �౦��Ϸ����'s Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (800-276-6003 or (703) 562-2200).