"retail system upgrading''.

December 1998: Computer glitch results in errors in customer accounts and delays in statements being issued.

January 1999: Bank apologises for computer error which results in customers being unable to use ATM machines or open new accounts. Blamed on "bugs during systems upgrade''.

December 1999: ATM error creates an overnight `millionaire' as non-Bank of Bermuda customers are wrongly shown to have extraordinary sums of cash in their accounts. Bank customers unable to use ATMs. Bank blames "unexpected problems'' in upgrading of ATMs.

December 1999: Hundreds of customers unable to use ATMs due to "a technical difficulty related to a systems enhancement that we have previously announced''.

June 2000: Hundreds of salaries not credited to accounts. "Software malfunction'' blamed for error.

September 18, 2000: Hundreds of customers given have money wrongly taken out of their accounts. This is due to ATM wrongly taking money out of accounts twice.