DENVER - The 10th Circuit U.S. Court of Appeals on March 10 affirmed a lower federal court's ruling that an insurer has no duty to provide directors and officers liability coverage to a bank and its employees who were accused of preparing and executing fraudulent deeds of trust (Western Heritage Bank, et al. v. Federal Insurance Co., No. 13-2077, 10th Cir.; 2014 U.S. App. LEXIS 4383).