33.
liable
upon
conviction
to
3
years
imprisonment
or
a
fine
of
N1,
000,000.00
or
both.
(2)
Any
person
who
engages
in
spamming
with
intent
to
disrupt
the
operations
of
a
computer
be
it
public
or
private
or
financial
institutions
shall
be
guilty
of
an
offence
and
liable
upon
conviction
to
3
years
imprisonment
or
a
fine
of
N1,
000,000.00
or
both.
(3)
Any
person
who
engages
in
malicious
or
deliberate
spread
of
viruses
or
any
malware
thereby
causing
damage
to
critical
information
in
public,
private
or
financial
institution’s
computers
shall
be
guilty
of
an
offence
is
liable
upon
conviction
to
3
years
imprisonment
or
a
fine
of
N1,
000,000.00
or
both.
(1)
Any
person
who
with
intent
to
defraud,
uses
any
access
device
including
credit,
debit,
charge,
loyalty
and
other
types
of
financial
cards,
to
obtain
cash,
credit,
goods
or
service
commits
an
offence
and
shall
be
liable
on
conviction
to
imprisonment
for
a
term
of
not
more
than
7
Years
or
a
fine
of
not
more
than
N5,000,000.00
or
to
both
such
fine
and
imprisonment
and
shall
further
be
liable
to
payment
in
monetary
terms
the
value
of
loss
sustained
by
the
owner
of
the
credit
card.
(2)
Any
person
who
uses:
(a)
a
counterfeit
access
device;
(b)
an
unauthorized
access
device;
(c)
an
access
device
issued
to
another
person;
resulting
in
a
loss
or
gain
commits
an
offence
and
shall
be
liable
on
conviction
to
imprisonment
for
a
term
of
not
more
than
7
years
or
a
fine
of
not
more
than
N5,000,000.00
and
forfeiture
of
the
advantage
or
value
derived
from
his
act.
(3)
Any
person
who
steals
an
electronic
card
commits
an
offence
and
shall
be
liable
on
conviction
to
imprisonment
for
a
term
of
not
more
than
3
years
or
to
a
fine
of
not
more
than
N1,000,000.00.
He
shall
further
be
liable
to
repayment
in
monetary
terms
the
value
of
loss
sustained
by
the
cardholder
or
forfeiture
of
the
assets
or
goods
acquired
with
the
funds
from
the
account
of
the
cardholder.
(4)
Any
person
who
receives
a
card
that
he
knows
or
ought
to
know
to
have
been
lost,
mislaid,
or
delivered
under
a
mistake
as
to
the
�� identity
or
address
of
the
cardholder
and
who
retains
possession
with
the
intent
to
use,
sell,
or
to
traffic
it
to
a
person
other
than
the
issuer
or
the
cardholder
commits
an
offence
and
shall
be
liable
on
conviction
to
not
more
than
3
years
imprisonment
or
to
a
fine
of
not
more
than
N1,000,000.00
and
shall
further
be
liable
to
payment
in
monetary
terms
the
value
of
loss
sustained
by
the
cardholder.
(5)
Any
person
who,
with
intent
to
defraud
the
issuer,
a
creditor,
or
any
other
person,
obtains
control
over
a
card
as
security
for
a
debt
commits
an
offence
and
Spreading
of
Computer
Virus.
Electronic
cards
related
fraud.