can i reverse hollywood ewallet. Confirm your FNB ewallet number and other details. can i reverse hollywood ewallet

 
Confirm your FNB ewallet number and other detailscan i reverse hollywood ewallet 00

Select your debit order account and then ‘My Debit Orders’. After this select “eWallet reversal” it is the 3rd option under that. Here’s how to send an eWallet using FNB eWallet USSD Code *120*321# Step 1: Dial *120*321# on your mobile phone [USSD] Step 2: Select option 4 for “Send Money” Step 3: Next, select option 5 for “eWallet reversal” Step 4: Select the transaction that you want to reverse How to Check FNB eWallet Balance Using. Dial *120*321# on your mobile phone. How do I reverse eWallet online banking in Namibia? There are no options to reverse eWallet on the app or online – unfortunately. When we process a refund - we deduct the value of that refund from what we have already paid your favourite store. Select the transaction that you want to reverse. With eWallet you will receive a notification from FNB, you should then dial *120*277# to get your PIN to withdraw from a FNB ATM. Give a reason for the reversal. Step 3: Click on “Transaction History” via the My Account navigational menu. Typically, EFT withdrawals might take a bit longer compared to other methods due to the banking processes involved. Learn more: 167. Then, follow the steps below to complete the withdrawal process. eWallet is an instant and easy way to send money from your FNB Account to anyone even if they don't have a bank account. Note down the transaction ID, date, and amount involved in the transaction. 4 If the recipient deletes the SMS by mistake before the 30 days expire, they can dial *120*002# to retrieve the original voucher and PIN. It is positioned just below the login button. Holly Top Up Voucher. When a hacker initiates transactions from Reverse accounts, the transactions stay in the blockchain in a pending state for the timeout period, instead of getting confirmed. The first is withdrawal from your Hollywoodbets account into your phone number. The time this takes depends on the withdrawal option you chose in the Cashier. Turn your phone into a wallet. Regards, Fana. The cashier may ask you for your mobile phone number as well. Ensure that you have some airtime, then perform these USSD actions. Select "Airtime" among the options available. The recipient can dial *120*277# and select 1 for 'Get Cash'. How long does it take to get an Ewallet from. They can also reverse payments if authorization errors appear in the transaction. Select the 'Reverse Ewallet' option and proceed to the next step. com If you find yourself in a situation where you need to reverse an E-wallet transaction, follow these steps to initiate the process: Step 1: Check the transaction details: Before proceeding with a reversal, double-check the transaction details to ensure accuracy. Credit Card (VCS) PayFast. A list of your debit orders will be displayed. However, if you want to, you can choose to contact the Complaint Resolutions Desk via email or telephone ([email protected] can choose between Instant Money by Standard Bank, Ewallet by FNB, Cash Send by ABSA, or Send-iMali & Mobimoney by Nedbank. Step 4: Pick the appropriate method to pay for the voucher. This will take you to the ewallet management page. Choose a payment method (EFT, ABSA Cash Send, Standard Bank Instant Money, FNB eWallet or Nedbank Send-iMali). Once you log into your account, you can follow these steps to make a deposit: Start by clicking the top-up button in the upper right corner. Enter the amount – RXXX. Step 3: Collect Your Cash. 1. How To Buy Ott Voucher Online - Hollywoodbets Sports Blog. Here’s the eWallet PIN request steps: Step 1: Dial *120*277*1# on your cellphone. Choose to dispute the order. The steps for Supabets ewallet withdrawal. Enter the amount that you want to send via eWallet. Select the Absa account to send money from. That’s how to reverse debit order on Capitec App. You can withdraw money from your account via three ways. Then click submit. Can I withdraw money from. Absa CashSend also allows you to reverse the money you sent by mistake. Select “Send Money” (option 4). To access it from the app, please follow these steps: Open and sign into the Standard Bank App, Click transact, Select send, Select manage vouchers. Hollywoodbets reserves the right to reject any withdrawal request should irregular activities be noted. REVERSALS. Therefore, it is essential to know how to reverse such payments, and here is what you ought to do in case you are caught up in such a situation. The steps to take include: Select the menu in the top left corner of the FNB App after opening it. the eWallet within 13 (thirteen) days from the time FNB Lesotho sends the message to the Recipient. The receiver of the money must know the validity of the ewallet PIN which is normally 30 days for absa and standard bank and 7 days for nedbank. Withdrawing your winnings using FNB eWallet on Hollywoodbets is a breeze. Can an eWallet transaction be reversed? An eWallet transaction can be reversed as long as the money has not yet been withdrawn at an ATM, so you can get your money back if you are fast enough. Can I buy a Hollywood voucher online? You can buy 1ForYou or OTT vouchers online and top up your Hollywoodbets account without having to visit a. Follow the instructions on the confirmation SMS (dial *120*277# and follow the prompts) to access. Take your cash. And there, you’ll see the wanted “eWallet reversal” option. To reverse eWallet on FNB, follow the steps below: Dial USSD code *120*321#. Select ‘Pay’ and ‘CashSend Payment’. Best International Account - Wise Account: Fast Payments⚡. To reverse your FNB eWallet transaction today, simply follow these simple steps. Step 3: Select “ My Wallet ” from the menu options and click on “ Withdraw ”. The reverse eWallet service by FNB allows you the recreation your money after a unfair process. And the second option is by calling the. Proceed to make a withdrawal from an FNB ATM, then simply enter your USSD code there. 99 service fee charged, it is not refundable: Log into your Internet Banking account; Place your cursor on 'Payments' Move it to and click on ''Instant Money' Select 'Cancel Instant Money transaction' and click NextThere are two ways you can reverse an ewallet payment. Here’s how to buy Hollywood voucher with FNB wallet: On the FNB app, go to “Buy. Select the reason for disputing the debit order and then select ‘Reverse’ or ‘Stop’. Choose the transaction that you wish to reverse. A customer can instruct his or her bank to reverse a disputed debit order. Now, select the transaction that you need to reverse. Click on Gift vouchers and search for the Hollywoodbets voucher. 3) In the fields provided, enter the amount you wish to withdraw (don’t put the Rand sign), and a reference for the withdrawal. (after internal review) There are a few reasons why a withdrawal may be delayed. Follow these steps: Dial 120 321# on your mobile phone. If you’re wondering how to buy Hollywood voucher using ewallet, you’re on the right page for answers. How to withdraw from your. Discover the measures to take to annul cash sending erroneously. Click the transaction. Open your bank’s mobile app. 6 Popular E-Wallets. This amount must be less than or equal to the funds in your account. At the ATM press the green button (Enter/Proceed) and then 'Wallet Services'. If the Recipient does activate the eWallet within 13 (thirteen) days of you sending the money to the eWallet, the 13 (thirteen) day reversal rule shall not apply. 1) Once you have logged into the Hollywood website, click on the link Account (can be found just underneath the login screen). Dial *130*392#. For existing and once-off beneficiaries, the CashSend limits are R5 000 per day and R25 000 per month. How do I convert eWallet to cash? You may Cash Out into your Touch ‘n Go eWallet balance or your first party bank account registered under your name. You. Buy your Blu Voucher from any Blu approved outlets across South Africa and redeem your 16-digit . Can I move eWallet to bank. To remove the voucher from the system, it must be reversed. Select your Bank. Step 2: Now, go to your profile by clicking the ‘me icon’. The reverse eWallet service by FNB permitted you to recover your money after a wrongful transaction. Your kids are ready to ditch crumpled bills for an easier way to pay. Then press option 1, Continue. Select Send Money. Confirm that you wish to stop the transaction. , eWallet Reversal. Unfortunately, currently FNB does not have an option to reverse eWallet on FNB App. Enter the cellphone number of the recipient. By verifying, you can build trust with the service provider, which can lead to a higher limit. Unfortunately, currently FNB does not have an option to reverse eWallet on FNB App. There are many ways you can deposit money into your account. Wise. Money can enrich our lives and put us into a position to enrich others. You'll receive an SMS with an ATM PIN. Other withdrawal options have limits of R5,000 for cash payments and R10,000 for winning tickets. With ABSA Cash Send you will receive a SMS with a 10-digit reference number, you will need this along with Hollywoodbets access code of 123456 to withdraw at an. Step 4: Click on the “Withdrawals” tab and select the date range you wish to review. Then go to option 2, eWallet Reversal. Step 4: Verify if your withdrawal is. Call 087 575 9405 for assistance with your eWallet reversal. Select the account that was used to make the debit order payment. Turn your phone into a wallet. 1) Once you have logged into the Hollywood website, click on the link Account (can be found just underneath the login screen). Step 2: Provide your Voucher Number and 4-Digit PIN. Furthermore, you can pay for fuel and goods using your eWallet at selected TotalEnergies stores. Choose ‘Pay’ and then ‘Instant Money. For further assistance, you must contact the eWallet call centre on 087 575 9405 to reverse the money. It will show the most recent transaction, press option 1, Reverse. How long does it take for eWallet to reverse if not withdrawn? If it’s reversal, it should take up to 4 business days to complete and the funds will be returned to you within 15 days. Choose the account from which you intend to transfer the funds. Even if you forget your login details you can get a “Nedbank send-iMali new pin” by dialling *120*001# to generate a unique ATM pin code which you can then use at any Nedbank ATM to access the money, with needing a card. net or call us on 087 353 7634. Use eWallet confidently with face verification. 00. To access your account, you need to log in by using your username and password. Click the transaction. You have the following options: ABSA. Click the refund. How To Reverse The Nedbank Send Money Payment. Step 1: Enter your username and password to log in to your Hollywoodbets account. How do I get a Hollywood eWallet pin? You will no longer receive pins via SMS. Select the transaction whose money you want to reverse from your transaction history. Can you refund eWallet? Please go to Transactions Tab or eWallet Tab. YenTen Web Wallet. pic. Once you have logged in to your Capitec App, the next step is to select "Payments" from the main menu. You can withdraw between R100 & R3000 per transaction in multiples of R10 (max R3000 p/day and R10 000 p. The process can be done over the phone. An reverse eWallet services by FNB enabled your at recover your money after a wrongful transaction. It’s in their terms and conditions. Select “payments and transfers” from the menu, then press “Instant Money”. Can I withdraw eWallet without pin?Step 1: Open Shein application on your device. Enter the OTP. You will receive an SMS containing a one-time PIN (OTP) and a reference number. It might take anything from 24 to 48 hours for money to clear. The receiver of the money must know the validity of the eWallet PIN which is normally 30 days for Absa and Standard Bank and 7 days for Nedbank. But remember, we are not liable if you pay money to the wrong cellphone number or if the amount is wrong. Note: If the voucher is not withdrawn within 30 days of the transaction, the funds will reverse back to the. Does FNB reverse eWallet? FNB eWallet reversals can be done on Cellphone Banking by dialing *120*321# and via the FNB eWallet Contact Centre 087 575 9405. Select MobiMoney. IS cash send. Choose option 4 among the options, and this option is for sending money. Select a Reason for reversal. Step 2: Press 1 to request a new eWallet PIN. Other withdrawal options have limits of R5,000 for cash payments and R10,000 for winning tickets. You can request that the sender provide you with the voucher number by following these steps to access their mobile app. Click the refund button. 3) In the fields provided, enter the amount you wish to withdraw (don’t put the Rand sign), and a reference for the withdrawal. Select the reason for disputing the debit order and then select ‘Reverse’ or ‘Stop’. How do I reverse money on eWallet FNB App? On your phone dial pad, press *120*321#A new page will appear on your screen. Hollywoodbets withdrawal methods are quick and easy to use and are classified into e-wallets, card payment solutions, and bank to bank transfers. eWallet is the best when coming to sending money via cellphone banking. Choose option 5, called “eWallet Reversal”. 366. Then press option 1, Continue. 2) You can withdraw your cash online, and have it transferred to your bank account. If the Recipient does activate the eWallet within 13 (thirteen) days of you sending the money to the eWallet, the 13 (thirteen) day reversal rule shall not apply. Enter the cell. “eWallet PIN” refers to the 5-digit PIN that an eWallet Holder can select to secure access to the eWallet. If you find yourself in a situation where you need to reverse an E-wallet transaction, follow these steps to initiate the process: Step 1: Check the transaction details: Before proceeding with a reversal, double-check the transaction details to ensure accuracy. Click the refund button. Complete Verification process by providing PAN OR Aadhaar and other details. 3. Call centre. Then go to option 2, eWallet Reversal. How do I reverse eWallet on Hollywood account? Use these simple steps: Dial *120*321# on your mobile phone. We will then help you to cancel the voucher and arrange a refund. Withdrawals via Instant Money or FNB eWallet are subject to maximum daily and monthly pay-out limits. We don't recommend this method as it's more stressful and not cost-effective. Steps to follow at the ATM: Select Cardless Transactions. Please note that requests will be completed within 24 hours and SMS’s will only be received once processed. Please note that any amounts over R10,000 cannot be withdrawn at any Hollywoodbets branch. I am here to help you get the. 4 If the Recipient deletes the SMS by mistake before the 48 hours expire, the Recipient can dial *120*001# to retrieve the PIN. Then click submit. First of all, here’s how it works generally speaking: Log in to your Hollywoodbets account. Protect your ewallet by creating 5-digit pin. Click on it to open the transaction details screen. If you want to reverse eWallet transaction, follow the below steps: Dial *120*321# on your phone to access mobile banking. Follow these steps to reverse your ewallet and send money back to your account: On your phone dial pad, press *120*321#. HOLLYWOOD SPORTSBOOK IS A LICENSED BETTING OPERATOR. If a debit order is unpaid on two consecutive occasions for lack of funds, the user must remove it from the system. Click or tap the ‘CashSend’ tab under the ‘Beneficiaries’ heading. How do I regenerate my FNB eWallet pin? When your eWallet pin is expired, no need to worry, just dial *120*277# to get a new pin. Click on your account number in the top-left corner of your screen. Follow these easy steps below: Type in the denomination. com. Hollywoodbets reserves the right to reject any withdrawal request should irregular activities be noted. Once you are logged in, navigate to the main menu and select the 'Ewallet services' tab. Yes, eWallet is a solid password manager that balances accessibility with strong security features. Select “eWallet reversal” from the drop-down menu (option 3). It would take 24-48 business hours. Select Buy from the menu. You can reverse payments of up to 40 days if the merchant hasn’t cashed the money. winners know when to stop. Unfortunately, currently FNB does not have an option to reverse eWallet on FNB App. Login to your Online Banking profile and select ‘My Bank Accounts’ to view a list of your accounts. After that, click on Debit Orders. An eWallet transaction can be reversed as long as the money has not yet been withdrawn at an ATM, so you can get your money back if you are fast enough. 5. You can cancel the Instant Money. The reverse eWallet service by FNB allows thou to recover you money after a unjust transaction. After you must have registered for mobile banking with FNB, dial either *130*321# or *120*321#. How FNB eWallet Works: You’ll get an SMS notification. With FNB’s eWallet, you will receive an SMS notification. Contact center You can spend minutes on the phone trying to reverse an eWallet with a call center. eWallet, the eWallet instruction will be cancelled and the funds will be returned to your account. Withdrawal. Select 'Get cash' and then 'Get ATM PIN'. The receiver of the money must know the validity of the eWallet PIN which is normally 30 days for Absa and Standard Bank and 7 days for Nedbank. That’s if the recipient’s number is working, imagine if you’ve sent money to a cellphone number that doesn’t work. Click on the green “Top Up” button on the home page. ”. Click ‘yes’ to confirm. 00 using Cellphone. Can you reverse bank transfer? It isn’t possible to reverse a wire transfer if the recipient bank has already accepted it. Choose option 5, called “eWallet Reversal”. It will show the most recent transaction, press option 1, Reverse. At this point, you can fill in a voucher code and add money to your account. Alternatively, you can reverse an eWallet transaction through the FNB app by contacting the bank’s customer service. ’. Enter your cellphone banking PIN. The time this takes depends on the withdrawal option you chose in the Cashier. Updated You can now withdraw money from your Hollywoodbets account using FNB's Wallet, Standard Bank's Instant Money, Nedbank's Send-iMali and ABSA's CashSend. This information was taken from Hollywood bets website. FNB eWallet allows customers to send money to anyone with a valid Namibian cellphone number. Step 3: Enter the phone number required to buy the voucher. Step 4: Visit your nearest FNB ATM and use your new eWallet PIN to withdraw cash. The first and foremost step towards reversing an E-wallet payment is to identify why you need to do it. 2. Dial *120*2345# and enter your 4-digit cellphone banking pin. These include: Wagering criteria not met. First National Bank A division of FirstRand Bank Limited FSP. Simply head over to either our website or mobisite. What is the best way to reverse an FNB eWallet payment? STEP 1: Use your username and password to log in to Online Banking. Select “eWallet reversal” (option 3). To reverse your e-wallet and send money back to your account, follow these steps: Press *120*321# on the dial pad of your phone. How to reverse eWallet payment in 2021, ewallet number. Can I use my Shoprite stamps at Checkers?How to Reverse FBN eWallet Payment. eWallet is an online prepaid account used to store money and transact online and offline through a computer or a smartphone whenever required. Once done, here’s how the FNB ewallet reversal process works. Look for the voucher section and choose the voucher value. Enter your Betway account number and withdrawal amount. the eWallet instruction will be cancelled and the funds will be returned to your account. On average, the Hollywoodbets payout time for EFT transactions can range from 24 to 72 hours, depending on the bank and any potential interbank delays. Please note the PIN expires within sixteen (16) hours. By having an eWallet like Paypal, you will have more options than just Amazon and Target. Step 5: Accept the terms and conditions, click ‘Redeem’ and you’re all set!Can I buy Hollywood voucher using Ewallet? You can now Buy any amount of 1foryou, OTT Voucher, Betway Voucher, Hollywoodbets Voucher and Lottostar Voucher using FNB ewallet, Standard bank Instant money and Capitec bank. You'll receive an SMS with an ATM PIN. This could be the quickest and most straightforward method to reverse the transaction if the beneficiary is someone you know and trust. How do I deactivate eWallet? Users can do so by launching the Touch ‘n Go eWallet app, selecting the linked TNG Card, and then look for the three dotted lines on the top right corner. . ”. Best App 📱. Select option 4 (Send Money) Select option 3 (eWallet reversal) The next screen will list ewallet transactions made. Please have your Hollywoodbets account number on hand. In this article, we will explore what an E-wallet is, why someone may want to reverse a transaction, and provide a step-by-step guide on how to reverse an E-wallet. First go to your phone dialer and press *130*321#. The money is transferred instantly and can be used to withdraw cash from FNB ATMs, buy prepaid airtime or electricity, Send Money to another Cellphone, pay to a bank account and more. Use an eWallet service. 3) In the fields provided, enter the amount you wish to withdraw (don’t put the Rand sign), and a reference for the withdrawal. Read the options listed and choose the option of “send money. Select “cash send to cellphone”. You can also call the FNB Botswana Helpdesk line on +267 364 2670 and they can help you reverse eWallet quickly for you. 1) You can withdraw at any Hollywoodbets branch – click here to learn more. Step 3: Choose Debit Orders. Enter the amount – RXXX. Step 5: Enter the withdrawal amount to be processed. Can I reverse an eWallet transaction? Yes, you can make a reversal using the USSD code, app, or calling the FNB complaints resolution desk. To get your FNB eWallet PIN, follow the steps below: Dial *120*277*1# on your cellphone. If you have received the coupon and need assistance with the immediate money pin, please call. Create a 6-digit access code, which you must provide the recipient with, and confirm the payment. With the Capitec Cash Send, you’ll be able to transfer amounts between R40 right up to R3000 per day. 4m add store users after three months. It will open a list of all of your recent eWallet transfers. Reversing a Standard Bank Instant Cash voucher using Internet Banking. Open the FNB app on your mobile device and log in using your username and password. ~0. The eWallet PIN can only be reset using the dial string *120*277#. – click here to learn more. Cellphone Banking. 7-21 business days. How to reverse ewallet from hollywood account? Let me give you a quick introduction about myself, Greetings, my name is Delphi. Give a reason for the reversal. Send the access code or pin to the recipient. Pick 'eWallet' from the options. Then go to option 2, eWallet Reversal. Enter an amount between R100 and R3000. Next, select alternative 5 for “ewallet reversal”. 3) In the fields provided, enter the amount you wish to withdraw (don’t put the Rand sign), and a reference for the withdrawal. You can now transfer funds from your eWallet to your FNB Account via the FNB App. A new page will appear on your screen. For assistance with your eWallet reversal, please call 087 575 9405. are responsible for communicating this condition to the Recipient. Read the Important Information and tap Next. Dial *120*321# on your phone to access mobile banking. Can eWallet reverse? Use the USSD mobile banking service to reverse ewallet transactions sent to the wrong recipient or cellphone numbers. Select “eWallet reversal” (option 3). Enter the Voucher number – not the cell number. Browse through the list of transactions until you find the erroneous EFT payment you want to reverse from the app's transaction history. PayPal. Step 3: Select Kazang from the ‘Vouchers’ options. 2) What is the maximum balance of the eWallet? The maximum balance is N$2,000. Step 2: Choose the voucher amount you wish to purchase. How to withdraw from your Hollywoodbets account using eWallet, Send-iMali, CashSend and Instant Money: Click on the account button Select withdrawal Select “cash send to cellphone”. Step 3: Log into your Hollywoodbets account and click “ Top-Up ”. Proceed by tapping the button indicated as 'send cash. Select "Withdraw cash from eWallet" on the following screen. FNB eWallet. If you need your voucher resent to you, please call 0860 555 111. Follow the steps to below. The minimum deposit amount using a voucher is R10, while the maximum is R1000. It also uses 256-bit AES encryption to ensure your data is well-protected. How much is the withdrawal limit on Hollywoodbets? The minimum you can withdraw is R100, and the maximum is R3000. However, this limit can be easily modified and increased from the FNB App with particular steps. Select a Reason for reversal. One way to bypass FICA verification when withdrawing from Hollywoodbets is to use a friend or family member’s account that has already completed the FICA process. . If the transaction has already been processed, it cannot. At Hollywoodbets, you can use various withdrawal methods such as Cash Withdrawals and Payments, EFT, Instant Money, e-wallet, Cash Send, and Send-iMali & Mobimoney. 3) In the fields provided, enter the amount you wish to withdraw (don’t put the Rand sign), and a reference for the withdrawal. Select option 4, dubbed “Send Money”A new set of instructions will appear on your screen. First National Bank does not allow people who use the app to perform a Send Money transaction reversal. The first step is to get in touch with the recipient and request a refund of the payments. The following step can be taken, though, if the recipient is unresponsive or won’t refund the. a) Enterprise Business (R60 million - R150 million+ p. Step 4: Select the transaction to. The steps to follow to accomplish this are listed below. This event will be held at the centre in bluffton. Cellphone banking. Can I buy a Hollywood voucher online? You can buy 1ForYou or OTT vouchers online and top up your Hollywoodbets account without having to visit a retail store. Select either Instant Money or FNB eWallet. You can now Buy any amount of 1foryou, OTT Voucher, Betway Voucher, Hollywoodbets Voucher and Lottostar Voucher using FNB ewallet, Standard bank Instant money and Capitec bank. You can withdraw between R100 & R3000 per transaction in multiples of R10 (max R3000. Step 2: Log into Lottostar. Call 087 575 9405 to request a Send Money transaction reversal. Enter your username and password. Request them to log in to their E-Wallet account and follow the steps necessary to initiate a reversal of the transaction. Next, select alternative 5 for “eWallet reversal”. 4️⃣ Select the relevant provider and enter the voucher PIN written on your receipt below. Step 2: Select “Cash Out”. Step 1: Check if the transaction is reversible. Rules of purchasing electricity You can request a withdrawal using your FNB eWallet, and you will get a notification. Select option 4, dubbed “Send Money”. Where and how to Reverse ewallet in Namibia. 7 Easy steps to register and book ticket through IRCTC eWallet: Login to IRCTC with your existing IRCTC user id and password. no persons under the age of 18 years are permitted to gamble. To reverse your e-wallet transfer on your phone, use the steps given bellow: To access mobile banking, dial *120*321# on your phone. 00 to R3,000. ! Ewallet: how to send eWallet money via cellphone is as follows: to! Expire after 24 hours and can only be used once your phone logging. 1). Dial *120*321#If the recipient does not activate the eWallet within 14 (Fourteen) days of you sending the money to the eWallet, we will cancel the eWallet Send Money instruction, and return the funds to the Sender’s Account. Here’s the eWallet PIN request steps: Step 1: Dial *120*277*1# on your cellphone. 3) You can withdraw using “Cash Send to Cellphone. Enter your remote pin. One of the commonly used methods is the Hollywoodbets EFT withdrawals. Can eWallet be traced? Even to top it off there is no way that an ewallet withdrawel cannot be traced either so that I can take this matter up further to catch this man that sceams money out of people. person other than the eWallet recipient using the eWallet PIN, unless it can be proved that such person got the eWallet PIN as a result of FNB’s gross negligence or an act of fraud on FNB.