The issue focused on whether the company could be held liable if customers used stolen credit or debit cards, and whether it could be held liable if consumers were able to access online banking services without the company's knowledge.

The company's response included a letter from an attorney for Mr. Kudofsky, in which he said, "If there is ever a breach involving your personal information, then we will take appropriate action to provide full disclosure of any relevant information to our customers."

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