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                        as a courtesy to the reader. They are not part of the opinion of the court.

131879P.pdf   06/11/2014  Choice Escrow and Land Title  v.  BancorpSouth Bank
   U.S. Court of Appeals Case No:  13-1879
                          and No:  13-1931
   U.S. District Court for the Western District of Missouri - Springfield   
   [PUBLISHED] [Wollman, Author, with Murphy and Gruender, Circuit Judges] 
   Civil case - Uniform Commercial Code. Under Article 4A of the UCC, where a 
   bank and customer agree to implement a security procedure designed to 
   protect themselves against fraud, the customer bears the risk of loss 
   where the security procedure is commercially reasonable and the bank 
   proves it accepted the payment order in good faith and in compliance with 
   the procedures or customer instructions; here, all prongs of this test 
   were met and the district court did not err in finding Choice bore the 
   risk of loss; the provision in the parties' agreement regarding 
   indemnification for attorneys' fees did not conflict with Article 4A and 
   defendant may seek attorneys' fees from Choice under this provision.