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143432P.pdf   05/20/2016  State Bank of Bellingham  v.  BancInsure, Inc.
   U.S. Court of Appeals Case No:  14-3432
   U.S. District Court for the District of Minnesota - Minneapolis   
   [PUBLISHED] [Shepherd, Author, with Riley, Chief Judge, and Smith, Circuit 
   Judge] 
   Civil case - Contracts. The district court did not err in determining the 
   efficient and proximate cause of the plaintiff bank's loss was the illegal 
   transfer of money by a hacker and not the plaintiff's employee's violation 
   of policies and procedures; since the illegal transfer was not a 
   foreseeable and natural consequence of the employee's failure to follow 
   proper computer security policies, the overriding cause of the loss was 
   the criminal activity and the loss was not covered under the bond issued 
   by BancInsure.