The Office of the Comptroller of the Currency (OCC) has advised the Federal Deposit Insurance Corporation (FDIC) that the State of Texas Department of Banking and the Texas Savings and Loan Department have issued cease-and-desist orders against Destiny Capital Mortgage, Inc., doing business as Destiny Capital Mortgage Bank, Irving, Texas, for unauthorized banking and mortgage banking activities. According to the order, Destiny Capital Mortgage, Inc, is falsely representing itself as a bank via the Internet and is engaged in the unauthorized solicitation of deposits from the general public. The referenced entity claims to have branch locations in numerous states and the District of Columbia.

Neither the OCC nor the State of Texas Department of Banking has authorized Destiny Capital Mortgage, Inc., to operate as a bank or to conduct the business of banking.

Any information that you may have concerning this matter should be brought to the attention of the State of Texas Department of Banking at 1 (877) 276-5554 (toll free) or via e-mail at consumer.complaints@banking.state.tx.us.

Information about other apparent frauds may be forwarded to the FDIC's Cyber Fraud and Financial Crimes Section, 550 17th Street, N.W., Room F-4004, Washington, D.C. 20429, or transmitted electronically to alert@fdic.gov. Information related to federal deposit insurance or consumer issues should be submitted to the FDIC using an online form that can be accessed at http://www2.fdic.gov/starsmail/index.asp.

For your reference, FDIC Special Alerts may be accessed from the FDIC's Web site at www.fdic.gov/news/news/SpecialAlert/2005/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.

Distribution: FDIC-Supervised Banks (Commercial and Savings)

NOTE: Paper copies of FDIC Special Alerts may be obtained through the FDIC's Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (1-877-275-3342 or (703) 562-2200).