Emma operates an antique store in St. Charles. Emma retains Lucy as a buying agent for her antique business. Emma provides Lucy with $175,000

capital for a buying trip to Europe to purchase antiques and collectibles. Lucy deposits the $175,000 into her personal account with Lindenwood Bank. While Lucy is in Slovenia attempting to make a purchase for Emma's store; her bank card is declined. Lucy later learns that all of the accounts at Lindenwood Bank had been hacked and the balance of the accounts withdrawn. Lucy lost a total of $223,000, of which $175,000 was the money provided by Emma for the antique buying trip. Lucy returns to St. Charles and informs Emma of the hacking and theft of the entire balance of Lucys account. Emma demands the return of the $175,000. Lucy claims she is not responsible for the loss since she deposited the finds in a bank and the money was taken by a third party, not her. Lindenwood Bank seeks your advice as to the merits of its claim to seek reimbursement of the $175,000

from Lucy.

What is your advice?