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Another mock article in a series of reports focuses on a "terrorist" who just started to pose a question on Facebook and was arrested for an "electronic crime".

It says it’s meant to supplement the Kentucky State Police Electronic Crime Branch forensic lab in Frankfort.

So it came as a shock to the bank when its insurer, Everest National Insurance Co., ultimately refused to pay out a significant portion of the bank’s claimed losses of $2.4 million, offering instead only $50,000 on the grounds that the breaches were not covered by National Bank’s computer and electronic crime insurance rider.

The computer and electronic crime rider specifically excluded coverage of any losses—like the National Bank’s—involving credit or debit cards or ATMs.

In the case of National Bank, the central issue is whether the two breaches in May 2016 and January 2017 are covered under the computer and electronic crime rider of their insurance policy, which has a single loss limit liability of $8 million and a $125,000 deductible, or instead under the debit card rider, which has a significantly lower single-loss limit of $50,000 and a $25,000 deductible.