Search the Database
Before closing a transaction, all issuing offices must search the names of the parties to the transaction, including the seller, buyer/borrower, payoff lender and new lender, using the Special Alerts database. Go to the Special Alerts database to search for specific names, entities and properties.
Special Alert: SLS00291
Dear Associates:
This Bulletin is to advise you, in accordance with Stewart Information Services Corporation's (“SISCO”) Anti-Fraud Plan, that the FDIC has issued the above-referenced Special Alert Notices. In order to view these and other Special Alert Notices issued by the FDIC, please refer t...
Unlock tools and resources designed exclusively for title professionals. Access bulletins, underwriting manuals, and state-specific guidance, all in one place.
THIS BULLETIN IS FURNISHED TO INFORM YOU OF CURRENT DEVELOPMENTS. AS A REMINDER, YOU ARE CHARGED WITH KNOWLEDGE OF THE CONTENT ON VIRTUAL UNDERWRITER AS IT EXISTS FROM TIME TO TIME AS IT APPLIES TO YOU, AS WELL AS ANY OTHER INSTRUCTIONS. OUR UNDERWRITING AGREEMENTS DO NOT AUTHORIZE OUR ISSUING AGENTS TO ENGAGE IN SETTLEMENTS OR CLOSINGS ON BEHALF OF STEWART TITLE GUARANTY COMPANY. THIS BULLETIN IS NOT INTENDED TO DIRECT YOUR ESCROW OR SETTLEMENT PRACTICES OR TO CHANGE PROVISIONS OF APPLICABLE UNDERWRITING AGREEMENTS. CONFIDENTIAL, PROPRIETARY, OR NONPUBLIC PERSONAL INFORMATION SHOULD NEVER BE SHARED OR DISSEMINATED EXCEPT AS ALLOWED BY LAW. IF APPLICABLE STATE LAW OR REGULATION IMPOSES ADDITIONAL REQUIREMENTS, YOU SHOULD CONTINUE TO COMPLY WITH THOSE REQUIREMENTS.
Special Alerts
|
SA-99-2006 |
|
TO: |
CHIEF EXECUTIVE OFFICER (also of interest to Security Officer) |
|
SUBJECT: |
Counterfeit Cashier's Checks |
|
Summary: |
Prosperity Bank, El Campo, Texas, has reported that counterfeit checks bearing the name Prosperity Bank, St. Augustine, Florida, and the routing number assigned to Prosperity Bank, El Campo, Texas, are in circulation. |
Prosperity Bank,
The counterfeit items display the routing number 113122655, which is assigned to Prosperity Bank,
Authentic cashier's checks do not display an address and do not contain security wording embedded in the top border. Authentic cashier's checks display two authorized signature lines, and two signatures are required for amounts that exceed $5,000.
A copy of a counterfeit item and a copy of an authentic cashier's check (VOID) are attached for your review.
Any information you have concerning this matter should be brought to the attention of:
Michael Harris
Executive Vice President-Cashier
Prosperity Bank
P. O. Drawer G
Telephone: (979) 543-2200
Fax: (979) 543-1906
E-mail: mike.harris@prosperitybanktx.com
Information about counterfeit items, cyber-fraud incidents and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section,
For your reference, FDIC Special Alerts may be accessed from the FDIC's website at www.fdic.gov/news/news/SpecialAlert/2006/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.
|
|
Sandra L. Thompson |
|
|
Acting Director |
Attachment (not available electronically)
NOTE: As a security precaution, the FDIC does not post to its Web site online copies of fraudulent instruments or copies of the genuine instruments that have been counterfeited. This is to avoid attempts by others to use the electronic versions of these instruments to facilitate additional fraud. Printed copies of fraudulent instruments are mailed with the Special Alert letter to the financial institutions on the letter's distribution list (generally, FDIC-supervised banks – commercial and savings). Printed copies of the Special Alert and its attachment(s) may also be obtained from the FDIC's
Distribution: FDIC-Supervised Banks (Commercial and Savings)
Special Alerts
|
SA-100-2006 |
|
TO: |
CHIEF EXECUTIVE OFFICER (also of interest to Security Officer) |
|
SUBJECT: |
Counterfeit Cashier's Checks |
|
Summary: |
Counterfeit cashier's checks drawn on Pinnacle National Bank, |
Pinnacle National Bank,
The counterfeit items display the routing number 064008637, which is assigned to Pinnacle National Bank, and are similar to authentic checks in style and layout. However, the counterfeit items are not printed on safeguard paper. A copy of a counterfeit item and a copy of an authentic cashier's check (VOID) are attached for your review.
Any information you have concerning this matter should be brought to the attention of:
Linda Seiber
Deposit Operations Manager
Pinnacle National Bank
Telephone: (615) 744-3288
Fax: (615) 744-3292
E-mail: linda.seiber@pnfp.com
Information about counterfeit items, cyber-fraud incidents and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section,
For your reference, FDIC Special Alerts may be accessed from the FDIC's website at www.fdic.gov/news/news/SpecialAlert/2006/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.
|
|
Sandra L. Thompson |
|
|
Acting Director |
Attachment (not available electronically)
NOTE: As a security precaution, the FDIC does not post to its Web site online copies of fraudulent instruments or copies of the genuine instruments that have been counterfeited. This is to avoid attempts by others to use the electronic versions of these instruments to facilitate additional fraud. Printed copies of fraudulent instruments are mailed with the Special Alert letter to the financial institutions on the letter's distribution list (generally, FDIC-supervised banks – commercial and savings). Printed copies of the Special Alert and its attachment(s) may also be obtained from the FDIC's
Distribution: FDIC-Supervised Banks (Commercial and Savings)
Special Alerts
|
SA-101-2006 |
|
TO: |
CHIEF EXECUTIVE OFFICER (also of interest to Security Officer) |
|
SUBJECT: |
Counterfeit Personal Money Orders |
|
Summary: |
Counterfeit personal money orders drawn on First Security Bank, |
First Security Bank,
The counterfeit items display the routing number 084205915, which is assigned to First Security Bank, and are similar to authentic personal money orders in appearance. However, the counterfeit items bear a telephone number that is not associated with the bank in the lower-left corner below the bank's logo, name and address. Also, the following descriptions of security features are printed in the top border of the counterfeit items: "THIS DOCUMENT HAS A COLORED BACKGROUND AND MICROPRINTING. THE REVERSE SIDE INCLUDES AN ARTIFICIAL WATERMARK."
Authentic money orders do not include a telephone number in the lower-left corner, nor do they include a description of security features in the top border.
Copies of a counterfeit item and an authentic personal money order (VOID) are attached for your review.
Any information you have concerning this matter should be brought to the attention of:
Tina Allen
Assistant Cashier
First Security Bank
Telephone: (662) 563-9311
Fax: (662) 563-9337
E-mail: tallen@firstsecuritybk.com
Information about counterfeit items, cyber-fraud incidents and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section,
For your reference, FDIC Special Alerts may be accessed from the FDIC's website at www.fdic.gov/news/news/SpecialAlert/2006/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.
|
|
Sandra L. Thompson |
|
|
Acting Director |
Attachment (not available electronically)
NOTE: As a security precaution, the FDIC does not post to its Web site online copies of fraudulent instruments or copies of the genuine instruments that have been counterfeited. This is to avoid attempts by others to use the electronic versions of these instruments to facilitate additional fraud. Printed copies of fraudulent instruments are mailed with the Special Alert letter to the financial institutions on the letter's distribution list (generally, FDIC-supervised banks – commercial and savings). Printed copies of the Special Alert and its attachment(s) may also be obtained from the FDIC's
Distribution: FDIC-Supervised Banks (Commercial and Savings)
Special Alerts
|
SA-102-2006 |
|
TO: |
CHIEF EXECUTIVE OFFICER (also of interest to Security Officer) |
|
SUBJECT: |
Counterfeit Official Checks |
|
Summary: |
Counterfeit official checks drawn on First Community Bank, |
First Community Bank,
The counterfeit items display the routing number 096016765, which is assigned to US Bank,
Authentic official checks display a logo consisting of computerized people standing in front of a pine tree between the words "FIRST" and "COMMUNITY." Authentic official checks also display security wording along the top of the check, which is not embedded in the border.
A copy of a counterfeit item and a copy of an authentic official check (VOID) are attached for your review.
Any information you have concerning this matter should be brought to the attention of:
Security Officer
First Community Bank
P.O. Box 478
Telephone: (251) 866-7327
Fax: (251) 866-9458
E-mail: pat.hoffman@fcb-al.com
Information about counterfeit items, cyber-fraud incidents and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section,
For your reference, FDIC Special Alerts may be accessed from the FDIC's website at www.fdic.gov/news/news/SpecialAlert/2006/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.
|
|
Sandra L. Thompson |
|
|
Acting Director |
Attachment (not available electronically)
NOTE: As a security precaution, the FDIC does not post to its Web site online copies of fraudulent instruments or copies of the genuine instruments that have been counterfeited. This is to avoid attempts by others to use the electronic versions of these instruments to facilitate additional fraud. Printed copies of fraudulent instruments are mailed with the Special Alert letter to the financial institutions on the letter's distribution list (generally, FDIC-supervised banks – commercial and savings). Printed copies of the Special Alert and its attachment(s) may also be obtained from the FDIC's
Distribution: FDIC-Supervised Banks (Commercial and Savings)
Special Alerts
|
SA-103-2006 |
|
TO: |
CHIEF EXECUTIVE OFFICER (also of interest to Security Officer) |
|
SUBJECT: |
Counterfeit Cashier's Checks |
|
Summary: |
The Foster Bank, |
The Foster Bank,
The counterfeit items display the routing number 071006282, which is assigned to The Foster Bank, but are dissimilar to authentic checks in style. The counterfeit items do not display a logo, but display the wording "CASHIER'S CHECK" beneath the bank name in the top-right third portion of the item. In the top-left third, the counterfeit items display "REMITTER," with "FOSTER BANK, #1000646" on the next line. On the lines that follow, the counterfeit items display the names of cities where the bank operates branch offices; however, the counterfeit items incorrectly state "Arlington Height" rather than the correct "
Authentic cashier's checks display the wording "CASHIER'S CHECK" in large font in the lower-left portion of the check. The checks also display a logo of a negative image of the letter "f" across a circular shape in the top-center portion of the check. The bottom-right side of the logo displays lines; the remainder is dark shaded. A watermark of the logo appears across the center of the check. Directly beneath the logo is the bank's name. To the right of the logo are the names of cities where the bank operates branch offices.
A copy of a counterfeit item and a copy of an authentic cashier's check (VOID) are attached for your review.
Any information you have concerning this matter should be brought to the attention of:
Rosa Chun
Vice President-Operations Officer
Telephone: (773) 202-4980
Fax: (773) 736-2081
E-mail: rosa.chun@fosterbank.com
or
James G. Gorst
Senior Vice President-Chief Operating Officer
The Foster Bank
5225 North Kedzie
Chicago, Illinois 60625
Telephone: (773) 279-4905
Fax: (773) 588-2507
E-mail: james.gorst@fosterbank.com
Information about counterfeit items, cyber-fraud incidents and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section,
For your reference, FDIC Special Alerts may be accessed from the FDIC's website at www.fdic.gov/news/news/SpecialAlert/2006/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.
|
|
Sandra L. Thompson |
|
|
Acting Director |
Attachment (not available electronically)
NOTE: As a security precaution, the FDIC does not post to its Web site online copies of fraudulent instruments or copies of the genuine instruments that have been counterfeited. This is to avoid attempts by others to use the electronic versions of these instruments to facilitate additional fraud. Printed copies of fraudulent instruments are mailed with the Special Alert letter to the financial institutions on the letter's distribution list (generally, FDIC-supervised banks – commercial and savings). Printed copies of the Special Alert and its attachment(s) may also be obtained from the FDIC's
Distribution: FDIC-Supervised Banks (Commercial and Savings)
Special Alerts
|
SA-104-2006 |
|
TO: |
CHIEF EXECUTIVE OFFICER (also of interest to Security Officer) |
|
SUBJECT: |
Counterfeit Cashier's Checks |
|
Summary: |
Counterfeit cashier's checks drawn on Citizens Tri-Country Bank, |
Citizens Tri-County Bank,
The counterfeit items display the routing number 064102070, which is assigned to Citizens Tri-County Bank, but are dissimilar to authentic checks in appearance. The counterfeit items display an incorrect branch address (in
Authentic items bear the words "AUTHORIZED SIGNATURE" above the signature line in the lower-right corner. The checks are issued on green check stock paper with black borders and printing.
Copies of a counterfeit item and an authentic check (VOID) are attached for your review.
Any information you have concerning this matter should be brought to the attention of:
Brenda C. Daugherty
Vice President and General Auditor
Citizens Tri-County Bank
Telephone: (423) 949-2173
Fax: (423) 949-4562
E-mail: bdaughterty@ctcbonline.com
Information about counterfeit items, cyber-fraud incidents and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section,
For your reference, FDIC Special Alerts may be accessed from the FDIC's Web site at www.fdic.gov/news/news/SpecialAlert/2006/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.
|
|
Sandra L. Thompson |
|
|
Acting Director |
Attachment (not available electronically)
NOTE: As a security precaution, the FDIC does not post to its Web site online copies of fraudulent instruments or copies of the genuine instruments that have been counterfeited. This is to avoid attempts by others to use the electronic versions of these instruments to facilitate additional fraud. Printed copies of fraudulent instruments are mailed with the Special Alert letter to the financial institutions on the letter's distribution list (generally, FDIC-supervised banks – commercial and savings). Printed copies of the Special Alert and its attachment(s) may also be obtained from the FDIC's
Distribution: FDIC-Supervised Banks (Commercial and Savings)
Special Alerts
|
SA-105-2006 |
|
TO: |
CHIEF EXECUTIVE OFFICER (also of interest to Security Officer) |
|
SUBJECT: |
Counterfeit Cashier's Checks |
|
Summary: |
Mascoma Savings Bank, Lebanon, New Hampshire, has reported that counterfeit cashier's checks bearing the institution's name and a location of |
Mascoma Savings Bank, Lebanon, New Hampshire, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 211770213, which is assigned to Mascoma Savings Bank. However, the bank issues authentic official checks through MoneyGram International, Inc. (formerly known as Travelers Express Company, Inc.) and are drawn on an account at U.S. Bank National Association,
The counterfeit items are dissimilar in appearance to authentic checks. In the top-left corner of the counterfeit item, the bank's name and logo are displayed in light print on a shaded background, and they appear to be a negative image. The bank's name, an incorrect branch address and a telephone number not associated with the bank are printed in the top center. "Cashier's Check" is printed in the lower-left corner. Printed in the top border is the statement "THIS DOCUMENT HAS SECURITY FEATURES - THE REVERSE SIDE INCLUDES AN ARTIFICIAL WATERMARK."
Authentic checks display the bank's name and logo in dark print against a light background in the upper-left corner. "OFFICIAL CHECK" is printed in the top center. Two authorized signature lines are displayed. The checks are printed on green security paper, with ornate borders on the top and sides. The following statement appears across the bottom: "THE VARIABLE TONE BACKGROUND AREA OF THIS DOCUMENT CHANGES COLOR GRADUALLY AND SMOOTHLY FROM DARKER TONE AT THE TOP TO THE LIGHTEST TONE AT THE BOTTOM."
A copy of a counterfeit item and a copy of an authentic item (void) are attached for your review.
Any information you have concerning this matter should be brought to the attention of:
Peter E. Begin
Security Officer
Mascoma Savings Bank
Telephone: (603) 443-8664
FAX: (603) 448-1470
peter.begin@mascomabank.com
Information about counterfeit items, cyber-fraud incidents, and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section,
For your reference, FDIC Special Alerts may be accessed from the FDIC's Web site at www.fdic.gov/news/news/SpecialAlert/2006/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.
|
|
Sandra L. Thompson |
|
|
Acting Director |
Attachment (not available electronically)
NOTE: As a security precaution, the FDIC does not post to its Web site online copies of fraudulent instruments or copies of the genuine instruments that have been counterfeited. This is to avoid attempts by others to use the electronic versions of these instruments to facilitate additional fraud. Printed copies of fraudulent instruments are mailed with the Special Alert letter to the financial institutions on the letter's distribution list (generally, FDIC-supervised banks – commercial and savings). Printed copies of the Special Alert and its attachment(s) may also be obtained from the FDIC's
Distribution: FDIC-Supervised Banks (Commercial and Savings)
Special Alerts
|
SA-106-2006 |
|
TO: |
CHIEF EXECUTIVE OFFICER (also of interest to Security Officer) |
|
SUBJECT: |
Counterfeit Cashier's Checks |
|
Summary: |
Wells River Savings Bank, Wells River, Vermont, has reported that counterfeit cashier's checks bearing the institution's name are in circulation. |
Wells River Savings Bank, Wells River, Vermont, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 211674788, which is assigned to Wells River Savings Bank. The counterfeit items also display the bank's name, the wording "CASHIER'S CHECK," date cell, and amount cell inside of rectangular-shaped boxes throughout the item. The wording "CASHIER'S CHECK" is displayed near the top-center portion of the item. However, authentic checks are referred to as "TREASURER'S CHECKS" and the wording is displayed in the lower-left corner of the checks.
Authentic treasurer's checks display the bank's name in the top-center portion of the check, with the city, state and zip code beneath. Authentic checks do not display any rectangular-shaped boxes.
A copy of a counterfeit item and a copy of an authentic cashier's check (VOID) are attached for your review.
Any information you have concerning this matter should be brought to the attention of:
Mary Jo Locke
Security Officer
Wells River Loan Office
Telephone: (802) 757-3244, extension 240
Fax: (802) 757-3264
E-mail: mjlocke@wrsb.com
Information about counterfeit items, cyber-fraud incidents, and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section,
For your reference, FDIC Special Alerts may be accessed from the FDIC's Web site at www.fdic.gov/news/news/SpecialAlert/2006/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.
|
|
Sandra L. Thompson |
|
|
Acting Director |
Attachment (not available electronically)
NOTE: As a security precaution, the FDIC does not post to its Web site online copies of fraudulent instruments or copies of the genuine instruments that have been counterfeited. This is to avoid attempts by others to use the electronic versions of these instruments to facilitate additional fraud. Printed copies of fraudulent instruments are mailed with the Special Alert letter to the financial institutions on the letter's distribution list (generally, FDIC-supervised banks – commercial and savings). Printed copies of the Special Alert and its attachment(s) may also be obtained from the FDIC's
Distribution: FDIC-Supervised Banks (Commercial and Savings)
Special Alerts
|
SA-107-2006 |
|
TO: |
CHIEF EXECUTIVE OFFICER (also of interest to Security Officer) |
|
SUBJECT: |
Counterfeit Cashier's Checks |
|
Summary: |
The Chelsea Groton Savings Bank, |
The Chelsea Groton Savings Bank,
The counterfeit items display the routing number 211173357, which is assigned to The Chelsea Groton Savings Bank; however, the counterfeit items are dissimilar to authentic checks. The counterfeit items display the bank's logo and "ChelseaGroton" in the upper-left corner above the words "Cashier's Check." "Chelsea Groton Savings Bank" appears in the top center above the name of a branch location and a telephone number, which is not associated with the bank. The counterfeit items are pink and have one signature line in the lower-right corner.
Authentic checks bear the words "Treasurer's Check" in the top center. The bank logo, name and a
A copy of a counterfeit item and a copy of an authentic check (VOID) are attached for your review.
Any information you have concerning this matter should be brought to the attention of:
Donna Thompson
Assistant Treasurer, Security Officer
The Chelsea Groton Savings Bank
Telephone: (860) 823-4906
Fax: (860) 823-4969
E-mail: donnathompson@chelseagroton.com
Information about counterfeit items, cyber-fraud incidents, and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section,
For your reference, FDIC Special Alerts may be accessed from the FDIC's Web site at www.fdic.gov/news/news/SpecialAlert/2006/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.
|
|
Sandra L. Thompson |
|
|
Acting Director |
Attachment (not available electronically)
NOTE: As a security precaution, the FDIC does not post to its Web site online copies of fraudulent instruments or copies of the genuine instruments that have been counterfeited. This is to avoid attempts by others to use the electronic versions of these instruments to facilitate additional fraud. Printed copies of fraudulent instruments are mailed with the Special Alert letter to the financial institutions on the letter's distribution list (generally, FDIC-supervised banks – commercial and savings). Printed copies of the Special Alert and its attachment(s) may also be obtained from the FDIC's
Distribution: FDIC-Supervised Banks (Commercial and Savings)
Special Alerts
|
SA-108-2006 |
|
TO: |
CHIEF EXECUTIVE OFFICER (also of interest to Security Officer) |
|
SUBJECT: |
Counterfeit Cashier's Checks |
|
Summary: |
1st Security Bank of |
1st Security Bank of
The counterfeit items display the routing number 325182289, which is assigned to 1st Security Bank of
The counterfeit items are dissimilar in appearance to authentic checks. The counterfeit items bear the bank's name and logo in the upper-left corner above a
Authentic checks display the bank's logo and name followed by two office locations and the bank's toll-free telephone number – (800) 683-0973 – in the upper-left portion of the check. "KEY BANK LYNNWOOD OFFICE" appears in the top-right corner of the check. One authorized signature line is displayed in the lower-right corner.
A copy of a counterfeit item and a copy of an authentic item (void) are attached for your review.
Any information you have concerning this matter should be brought to the attention of:
1st Security Bank of Washington
Client Services Department
Telephone: (800) 683-0973
Fax: (425) 771-1642
or
Jean Collins
Fraud Analyst
Telephone: (800) 683-0973, Extension 3202
E-mail: jeanc@1stsecurityofwa.com
Information about counterfeit items, cyber-fraud incidents, and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section,
For your reference, FDIC Special Alerts may be accessed from the FDIC's Web site at www.fdic.gov/news/news/SpecialAlert/2006/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.
|
|
Sandra L. Thompson |
|
|
Acting Director |
Attachment (not available electronically)
NOTE: As a security precaution, the FDIC does not post to its Web site online copies of fraudulent instruments or copies of the genuine instruments that have been counterfeited. This is to avoid attempts by others to use the electronic versions of these instruments to facilitate additional fraud. Printed copies of fraudulent instruments are mailed with the Special Alert letter to the financial institutions on the letter's distribution list (generally, FDIC-supervised banks – commercial and savings). Printed copies of the Special Alert and its attachment(s) may also be obtained from the FDIC's
Distribution: FDIC-Supervised Banks (Commercial and Savings)