Three important cases were decided in 1982 in the area of commercial electronic fund transfers. They are Evra Corp. v. Swiss Bank Corp. v. Conti nental Illinois National Bank and Trust Co. (third-party defendant) (Evra)* Houston Contracting Corp. v. Chase Manhattan Bank, N.A. (Houston Con tracting), and Securities Fund Services, Inc. v. American National Bank and Trust Co. of Chicago.