This is a real scam, the photo bank does not pay its authors. I requested a withdrawal from my account back on April 8, 2014, and today is already July 3, 2015. In my personal account, it says: "Withdrawal requested (April 8, 2014 at 13:33). Currently processing payments requested on March 1, 2012." It turns out that I won't see my money until at least mid-2017 :))) I deleted all my photos from the photo bank and I recommend you do the same. Honestly, I wouldn't be surprised if there's nobody at "Lori" at all, and no one has even heard of the photo bank.
