Pub. 6 2011-2012 Issue 2

July/August 2011 11 Extraordinary Service for Extraordinary Members. For more information, please contact Kansas Bankers Surety Co. at (785) 228-0000. We take pride in our lending partnerships with more than 100 banks in our region. 3100 13th Ave. S., Fargo, N.D. | 800.450.8949 | STATEBANKS.COM MEMBER FDIC GENE UHER TOM ISHAUG HEIDI BYE > Participation loans > Bank stock & ownership loans > Bank building financing > Business & personal loans for bankers Call us for flexible underwriting, competitive rates and fast decisions! GARY KELLER implementing a process where ACH or wire transactions or any transaction over certain dollar limits can be finalized only after bank personnel verify the transactions with the customer. The possibility that some customers’ computers may be hacked and someone may use information to do fraudulent Internet banking transactions is real. The bank must consider how convenience for customers and bank employees can be balanced with the risk of large fraudulent transactions. Also, banks should consider howmuch liability the bank wants to accept and howmuch liability a business customer should have when fraudulent Internet banking transactions result from the lack of appropriate security on the business customer’s computer. A bank’s Internet banking contract with its business customers should address this matter. A bank should regularly evaluate Internet banking risk to avoid large losses, as crooks come up with more schemes to steal money from bank customers. Z • Banking & Finance • Municipal Law • Bankruptcy • Employment Law • Business & Commercial Law • Sanitary & Improvement Districts 2120 South 72nd Street, Suite 1200, Omaha, NE 68124 (P) 402.391.6777 (F) 402.390.9221 www.crokerlaw.com Croker,Huck,Kasher,DeWitt, Anderson & Gonderinger,L.L.C. AT T O R N E Y S AT L AW Providing quality legal services to businesses and individuals in such areas as: • Real Estate • Estate Planning • Probate • Taxation • Litigation • Tax Foreclosure