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Insurance Certificates 2024/25 ITI DigitalACOR" CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DDIYYYY) 08/26/2025 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT Jessenia Estrella NAME: The Hilb Group of Florida PHONE FAX AIC No Ext : (A/C, No): 5850 TG Lee Boulevard E-MAIL ) @grou estrella hilb corn ADDRESS: p' INSURER(S) AFFORDING COVERAGE NAIC # Suite 340 Orlando FL 32822 INSURERA: Lloyd's of London INSURED INSURER B : ITI Digital, LLC INSURER C : PO BOX 1785 INSURER D : INSURER E : INSURER F : Bradenton FL 34206 COVERAGES CERTIFICATE NUMBER: 2024-2025 Master cert. REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACTOR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER POLICY EFF (MMIDDIYYYY) POLICY EXP (MMIDDIYYYY) LIMITS X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 5,000,000 DAMAGE CLAIMS -MADE � OCCUR PREM SESO(Ea occurrence) $ _7RETED MED EXP (Any one person) $ 10,000 PERSONAL&ADV INJURY $ 1,000,000 A Y Y ESM0134795196 11/03/2024 11/03/2025 GEN'LAGGREGATE LIMITAPPLIES PER: GENERAL AGGREGATE $ 5,000,000 X POLICY PELT LOC PRODUCTS - COMP/OP AGG $ 1,000,000 X1 OTHER: Professional liaiblity Cyber & Tech E & O $ 5,000,000 AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT (Ea accident) $ BODILY INJURY (Per person) $ ANY AUTO OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY (Per accident) $ PROPERTY DAMAGE (Per accident) $ HIRED NON -OWNED AUTOS ONLY AUTOS ONLY UMBRELLA LIAB OCCUR EACH OCCURRENCE $ AGGREGATE $ EXCESS LIAB CLAIMS -MADE DED I I RETENTION $ $ WORKERS COMPENSATION EMPLOYERS' LIABILITY Y/ N PER BEER STATUTE ER ANY PROPRIETOR/PARTNER/EXECUTIVE ElN D? OFFICER/MEMBER EXCLUDE /A E.L. EACH ACCIDENT $ E.L. DISEASE - EA EMPLOYEE $ (Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ A. E&O/Cyber/Privacy & Network Security ESM0134795196 11 /03/2024 11 /03/2025 $5,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) City of La Quina listed as additional insured. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of La Quina ACCORDANCE WITH THE POLICY PROVISIONS. 78495 Calle Tampico AUTHORIZED REPRESENTATIVE La Quina CA 92253 ,. &r.-L_ © 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD r' cfc 32 1. What you must do in the event of a claim orcyber incident If any senior exequtive ofPiger becomes aware of any incident which may reasonably be expected to give rise to a claim under this Policy you must: a. notify the claims managers as soon as is reasonably practicable (in respect of cyber incidents, a telephone call to our cyber incident response hotline will constitute notification). However, in respect of INSURING CLAUSES 1 and 6 (SECTION G only), this notification must be made no later than the end of any applicable extended reporting period; b. in respect of INSURING CLAUSE 4, report the theft or incident as soon as is reasonably practicable to the appropriate law enforcement authorities and provide us with a copy of this report on our request; and c. not admit liability for or settle or make or promise any payment or incur any costs and expenses without our prior written agreement (which will not be unreasonably withheld). In respect of INSURING CLAUSES 1 and 6 (SECTION G only), if you notify an incident that we agree is reasonably expected to give rise to a claim, we will accept any claim that arises out of the incident as being notified under this Policy. We require you to provide full details of the incident, including but not limited to: a. the time, place and nature of the incident; b. the manner in which you first became aware of this incident; c. the reasons why you believe that this incident could give rise to a claim under this Policy; d. the identity of the potential claimant; and e. an indication as to the size of the claim that could result from this incident. In respect of INSURING CLAUSES 2, 3, 4 and 5, if you discover a cybee evehtyou may only incur costs without our prior written consent within the first 72 hours following the discovery and any third party costs incurred must be with a company forming part of the approved claims panel providers. All other costs may only be incurred with the prior written consent of the cl;iMs Mclhtgees (which will not be unreasonably withheld). 2. Additional insureds We will indemnify any third party as an additional insured under this Policy, but only in respect of sums which they become legally obliged to pay (including liability for claimants' CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r cfc 33 costs and expenses) as a result of a claim arising solely out of an act committed by you, provided that: a. you contracted in writing to indemnify the third party for the claim prior to it first being made against them; and b. had the claim been made against you, then you would be entitled to indemnity under this Policy. Before we indemnify any additional insured they must: a. prove to us that the claim arose solely out of an act committed by you; and b. fully comply with CONDITION 1 as if they were you. Where we indemnify a third party as an additional insured under this Policy, this Policy will be primary and non-contributory to the third 06rty'$ own insurance, but only if you and the third party have entered into a contract that contains a provision requiring this. Where a third party is treated as an additional insured as a result of this Condition, any claim made by that third party againstyou will be treated by us as if they were a third party and not as an insured. 3. Agreement to pay claims (duty to defend) We have the right and duty to take control of and conduct in your name the investigation, settlement or defense of any claim. We will not have any duty to pay costs and expenses for any part of a claim that is not covered by this Policy. You may ask the claims managers to consider appointing your own lawyer to defend the claim on your behalf and the claims managers may grant your request if they consider your lawyer is suitably qualified by experience, taking into account the subject matter of the claim, and the cost to provide a defense. We will endeavor to settle any claim through negotiation, mediation or some other form of alternative dispute resolution and will pay on your behalf the amount we agree with the claimant. If we cannot settle using these means, we will pay the amount which you are found liable to pay either in court or through arbitration proceedings, subject to the limit of liability. We will not settle any claim without your consent. If you refuse to provide your consent to a settlement recommended by us and elect to continue legal proceedings in connection with the claim, any further costs and expenses incurred will be paid by you and us on a proportional basis, with 50% payable by us and 50% payable byyou. Asa consequence of your refusal, our liability for the claim, excluding costs and expenses, will not be more than the amount for which the claim could have been settled. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved Florida Face Page Insured's Name: ITI Digital LLC Policy Number: ESN0240136288 UMR Number: Policy Dates: 11/3/2024 to 11/3/2025 Surplus Lines Agent's Name: Jeff Aumick Surplus Lines Agent's Address: , 150 S. US Highway 1, Suite3, Jupiter, FL 33477 Surplus Lines Agent's License Number: A009843 Producing Agent's Name: Jessenia Estrella Producing Agent's Physical Address: 2455 E Sunrise Boulevard ste 507 Fort Lauderdale, FL 33304 "THIS INSURANCE IS ISSUED PURSUANT TO THE FLORIDA SURPLUS LINES LAW. PERSONS INSURED BY SURPLUS LINES CARRIERS DO NOT HAVE THE PROTECTION OF THE FLORIDA INSURANCE GUARANTY ACT TO THE EXTENT OF ANY RIGHT OF RECOVERY FOR THE OBLIGATION OF AN INSOLVENT UNLICENSED INSURER." "SURPLUS LINES INSURERS' POLICY RATES AND FORMS ARE NOT APPROVED BY ANY FLORIDA REGULATORY AGENCY." Premium: $5,700.00 Fees: Brokerage Fee $250.00 Service Fee $370.00 Total Cost: $6,646.50 Surplus Lines Agent's Countersignature: TRIA/Terrorism: $10.00 APPLIES Taxes: Surplus Lines Tax $312.70 State Service Office Fee $3.80 )jr- %.,— d*, 141vi— "THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR HURRICANE OR WIND LOSSES, WHICH MAY RESULT IN HIGH OUT-OF-POCKET EXPENSES TO YOU." "THIS POLICY CONTAINS A CO -PAY PROVISION THAT MAY RESULT IN HIGH OUT-OF-POCKET EXPENSES TO YOU." f cfc Policy certificate Insurance effected through the Coverholder: CFC Underwriting Limited 85 Gracechurch Street London EC3V OAA United Kingdom PLEASE NOTE -This notice contains important information. PLEASE READ CAREFULLY. This Certificate is issued by the Coverholder in accordance with the authorization granted to the Coverholder under the Binding Authority Agreement with the Unique Market Reference stated within this Policy. This Policy comprises a Certificate, the Declarations page, Wording and all other provisions and conditions attached and any endorsements issued. The liability of an insurer under this contract is several and not joint with other insurers party to this contract. An insurer is liable only for the proportion of liability it has underwritten. An insurer is not jointly liable for the proportion of liability underwritten by any other insurer. Nor is an insurer otherwise responsible for any liability of any other insurer that may underwrite this contract. The proportion of liability under this contract underwritten by an insurer (or, in the case of a Lloyd's syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown in this Policy. In the case of a Lloyd's syndicate, each member of the syndicate (rather than the syndicate itself) is an insurer. Each member has underwritten a proportion of the total shown for the syndicate (that total itself being the total of the proportions underwritten by all the members of the syndicate taken together). The liability of each member of the syndicate is several and not joint with other members. A member is liable only for that member's proportion. A member is not jointly liable for any other member's proportion. Nor is any member otherwise responsible for any liability of any other insurer that may underwrite this contract. The business address of each member is Lloyd's, One Lime Street, London EC3M 7HA. The identity of each member of a Lloyd's syndicate and their respective proportion may be obtained by writing to Market Services, Lloyd's, at the above address. Although reference is made at various points in this clause to "this contract" in the singular, where the circumstances so require this should be read as a reference to contracts in the plural. In Witness whereof this Certificate has been signed by: Authorized Official Please examine this document carefully. If it does not meet your needs, please contact your broker immediately. In all communications the policy number appearing overleaf should be quoted. 0 cfc POLICY NUMBER: ESN0240136288 UNIQUE MARKET REFERENCES: B087524C9N5051 B087524C9N5053 THE INSURED: ITI Digital LLC ADDRESS: PO Box 1785 Bradenton, FL 34206 US THE UNDERWRITERS: Underwritten by certain underwriters at Lloyd's and other insurers THE INCEPTION DATE: 00:01 Local Standard Time on 03 Nov2024 THE EXPIRY DATE: 00:01 Local Standard Time on 03 Nov2025 TOTAL PAYABLE: USD6,080.00 Premium breakdown: Premium: USD5,700.00 TRIA: USD10.00 Policy Administration Fee: USD370.00 TECHNOLOGY SERVICES: SaaS, Marketing for Travel Industry CHOICE OF LAW: Florida SERVICE OF SUIT: Mendes & Mount LLP 750 7th Avenue New York, NY 10019 LEGAL ACTION: Worldwide TERRITORIAL SCOPE: Worldwide US CLASSIFICATION: Surplus Lines SURPLUS LINES BROKER: PT Specialty Licence No.: A009843 150 S US Highway 1 Suite #3 Jupiter 33477 RETROACTIVE DATE(S): Professional Liability: 03 Nov 2022 General Liability: 03 Nov 2022, in respect of INSURING CLAUSE 6 (SECTION G only) REPUTATIONAL HARM PERIOD: 12 months INDEMNITY PERIOD 12 months (CYBER AND PRIVACY cover only): WAITING PERIOD: 8 hours OPTIONAL EXTENDED REPORTING 12 months for 100% of applicable annualized premium Unique Market Reference No. B087524C9N5051, B087524C9N5053 41999-2024 CFC Underwriting Ltd, All Rights Reserved r' cfc PERIOD: APPROVED CLAIMS PANEL PROVIDERS (CYBER ONLY): CLAIMS MANAGER: Wilson Elser Context Security Kivu Consulting Crowdstri ke DOSArrest Mullen Coughlin Clyde & Co CFC Underwriting Limited Please report all new claims to: newclaims( cfc.com CYBER INCIDENT RESPONSE LINE: In the event of an actual or suspected cyber incident please call our Cyber Incident Response Team on the toll free 24-hour hotline number: 1844-677-4155 or email cvbercl a i ms(cbcfc.com CYBER INCIDENT MANAGER: CFC Underwriting Limited WORDING: Technology (US) v4.1 ENDORSEMENTS: Complaints Notice (USA) U.S. Terrorism Risk Insurance Act of 2002 As Amended New & Renewal Business Endorsement Unique Market Reference No. B087524C9N5051, B087524C9N5053 41999-2024 CFC Underwriting Ltd, All Rights Reserved 0 cfc INSURING CLAUSE 1: PROFESSIONAL LIABILITY ALL SECTIONS COMBINED Aggregate limit of liability: USD3,000,000 in the aggregate SECTION A: PRODUCTS AND SERVICES LIABILITY Limit of liability: USD3,000,000 Deductible: USDS,000 each and every claim, including costs and expenses each and every claim, including costs and expenses SECTION B: BREACH OF CONTRACT Limit of liability: USD3,000,000 each and every claim, including costs and expenses Deductible: USDS,000 each and every claim, including costs and expenses SECTION C: SUB -CONTRACTOR VICARIOUS LIABILITY Limit of liability: USD3,000,000 each and every claim, including costs and expenses Deductible: USDS,000 each and every claim, including costs and expenses SECTION D: INTELLECTUAL PROPERTY RIGHTS INFRINGEMENT AND DEFAMATION Limit of liability: USD3,000,000 each and every claim, including costs and expenses Deductible: USDS,000 each and every claim, including costs and expenses SECTION E: REGULATORY COSTS AND FINES Limit of liability: USD3,000,000 each and every claim, including costs and expenses Deductible: USDS,000 each and every claim, including costs and expenses SECTION F: DISHONESTY OF EMPLOYEES Limit of liability: USD3,000,000 Deductible: USDS,000 SECTION G: PAYMENT OF WITHHELD FEES each and every claim, including costs and expenses each and every claim, including costs and expenses Limit of liability: USD3,000,000 each and every claim, including costs and expenses Deductible: USDS,000 each and every claim, including costs and expenses Unique Market Reference No. B087524C9N5051, B087524C9N5053 41999-2024 CFC Underwriting Ltd, All Rights Reserved 0 cfc INSURING CLAUSE 2: NETWORK SECURITY & PRIVACY LIABILITY ALL SECTIONS COMBINED Aggregate limit of liability: USD3,000,000 in the aggregate SECTION A: NETWORK SECURITY LIABILITY Limit of liability: USD3,000,000 each and every claim Deductible: USDS,000 each and every claim, including costs and expenses SECTION B: PRIVACY LIABILITY Limit of liability: USD3,000,000 each and every claim Deductible: USDS,000 each and every claim, including costs and expenses SECTION C: MANAGEMENT LIABILITY Limit of liability: USD3,000,000 each and every claim Deductible: USDS,000 each and every claim, including Posts and expenses SECTION D: REGULATORY INVESTIGATION COSTS Limit of liability: USD3,000,000 each and every claim Deductible: USDS,000 each and every claim, including costs and expenses SECTION E: PCI FINES, PENALTIES ANDASSESSMENTS Limit of liability: USD3,000,000 each and every claim Deductible: USDS,000 each and every claim, including costs and expenses INSURING CLAUSE 3: CYBER INCIDENT RESPONSE ALL SECTIONS COMBINED Aggregate limit of liability: USD3,000,000 in the aggregate SECTION A: INCIDENT RESPONSE COSTS Limit of liability: USD3,000,000 Deductible: USDO each and every claim, including costs and expenses each and every claim, including costs and expenses Unique Market Reference No. B087524C9N5051, B087524C9N5053 41999-2024 CFC Underwriting Ltd, All Rights Reserved cfc SECTION B: LEGAL AND REGULATORY COSTS Limit of liability: USD3,000,000 each and every claim, including costs and expenses Deductible: USD5,000 each and every claim, including costs and expenses SECTION C: IT SECURITY AND FORENSIC COSTS Limit of liability: USD3,000,000 each and every claim, including costs and expenses Deductible: USD5,000 each and every claim SECTION D: CRISIS COMMUNICATION COSTS Limit of liability: USD3,000,000 each and every claim, including costs and expenses Deductible: USD5,000 each and every claim SECTION E: PRIVACY BREACH MANAGEMENT COSTS Limit of liability: USD3,000,000 each and every claim, including costs and expenses Deductible: USD5,000 each and every claim, including costs and expenses SECTION F: THIRD PARTY PRIVACY BREACH MANAGEMENT COSTS Limit of liability: USD3,000,000 each and every claim, including costs and expenses Deductible: USD5,000 each and every claim, including costs and expenses SECTION G: POST BREACH REMEDIATION COSTS Limit of liability: USD50,000 each and every claim, including costs and expen$e$ Deductible: USD5,000 each and every claim, including qq$t$ and expenses INSURING CLAUSE 4: CYBER CRIME SECTION A: ELECTRONIC THEFT OF YOUR FINANCIALASSETS Limit of liability: USD250,000 each and every claim, including costs and expenses Deductible: USD5,000 each and every claim SECTION B: ELECTRONIC THEFT OF THIRD PARTY FUNDS HELD IN ESCROW Limit of liability: USD250,000 each and every claim, including costs and expenses Deductible: USD5,000 each and every claim Unique Market Reference No. B087524C9N5051, B087524C9N5053 41999-2024 CFC Underwriting Ltd, All Rights Reserved 0 cfc SECTION C: THEFT OF PERSONAL FINANCIAL ASSETS Limit of liability: USD250,000 Deductible: USD5,000 SECTION D: EXTORTION Aggregate limit of liability: USD3,000,000 Deductible: USD5,000 SECTION E:TELEPHONE HACKING Limit of liability: USD250,000 Deductible: USD5,000 each and every claim, including costs and expenses each and every claim, including costs and expenses in the aggregate, including costs and expenses each and every claim, including costs and expenses each and every claim, including costs and expenses each and every claim, including costs and expenses SECTION F: PUSH PAYMENT FRAUD Limit of liability: USD50,000 each and every claim, including costs and expenses Deductible: USD5,000 each and every claim, including costs and expenses SECTION G: UNAUTHORIZED USE OF COMPUTER RESOURCES Limit of liability: USD250,000 each and every claim, including costs and expenses Deductible: USD5,000 each and every claim, including costs and expenses INSURING CLAUSE 5: SYSTEM DAMAGE AND BUSINESS INTERRUPTION ALL SECTIONS COMBINED Aggregate limit of liability: USD3,000,000 in the aggregate SECTION A: SYSTEM DAMAGE AND RECTIFICATION COSTS Limit of liability: USD3,000,000 each and every claim Deductible: USD5,000 each and every claim, including costs and expenses SECTION B: INCOME LOSS AND EXTRA EXPENSE Limit of liability: USD3,000,000 each and every claim Deductible: USD5,000 each and every claim, including costs and expenses Unique Market Reference No. B087524C9N5051, B087524C9N5053 41999-2024 CFC Underwriting Ltd, All Rights Reserved cfc SECTION C: ADDITIONAL EXTRA EXPENSE Limit of liability: USD50,000 Deductible: USD5,000 SECTION D: DEPENDENT BUSINESS INTERRUPTION Limit of liability: USD3,000,000 Deductible: USD5,000 SECTION E: CONSEQUENTIAL REPUTATIONAL HARM Limit of liability: USD3,000,000 Deductible: USD5,000 SECTION F: CLAIM PREPARATION COSTS Limit of liability: USD25,000 Deductible: lN9Zi; each and every claim, including costs and expenses each and every claim each and every claim, including costs and expenses each and every claim, including costs and expenses each and every claim, including costs and expenses each and every claim each and every claim, including costs and expenses each and every claim SECTION G: HARDWARE REPLACEMENT COSTS Limit of liability: USD3,000,000 each and every claim, including costs and expenses Deductible: USD5,000 each and every claim, including costs and expenses INSURING CLAUSE 6: COMMERCIAL GENERAL LIABILITY ALL SECTIONS COMBINED Aggregate limit of liability: USD2,000,000 in the aggregate SECTION A: BODILY INJURY AND PROPERTY DAMAGE LIABILITY Limit of liability: USD1,000,000 each and every claim, including costs and expenses Deductible: USD1,000 each and every claim, including costs and expenses SECTION B: PERSONAL AND ADVERTISING INJURY Limit of liability: USD1,000,000 each and every claim, including costs and expenses Deductible: USD1,000 each and every claim Unique Market Reference No. B087524C9N5051, B087524C9N5053 41999-2024 CFC Underwriting Ltd, All Rights Reserved 0 cfc SECTION C: PRODUCTS AND COMPLETED OPERATIONS LIABILITY Limit of liability: USD1,000,000 each and every claim, including costs and expenses Deductible: USD1,000 each and every claim SECTION D: POLLUTION LIABILITY Limit of liability: USD1,000,000 each and every claim, including costs and expenses Deductible: USD1,000 each and every claim SECTION E: TENANTS' LEGAL LIABILITY Limit of liability: USD250,000 Deductible: USD1,000 SECTION F: MEDICAL EXPENSES Limit of liability: USD10,000 Deductible: USD1,000 SECTION G: EMPLOYEE BENEFITS LIABILITY each and every claim, including costs and expenses each and every claim each and every claim, including costs and expenses each and every claim Limit of liability: USD1,000,000 each and every claim, including costs and expenses Deductible: USD1,000 each and every claim SECTION H: NON -OWNED AND HIRED AUTOMOBILE LIABILITY Limit of liability: USD1,000,000 each and every claim, including costs and expenses Deductible: USD1,000 each and every claim SECTION I: LIABILITY FOR DAMAGE TO HIRED OR LEASED AUTOMOBILES Limit of liability: USD50,000 each and every claim, including costs and expenses Deductible: USD1,000 each and every claim INSURING CLAUSE 7: LOSS MITIGATION Limit of liability: USD3,000,000 each and every claim Deductible: USD5,000 each and every claim Unique Market Reference No. B087524C9N5051, B087524C9N5053 41999-2024 CFC Underwriting Ltd, All Rights Reserved 0 cfc INSURING CLAUSE 8: REPUTATION AND BRAND PROTECTION Aggregate limit of liability: USD100,000 in the aggregate Deductible: USDO each and every claim INSURING CLAUSE 9: COURT ATTENDANCE COSTS Aggregate limit of liability: USD100,000 in the aggregate Deductible: USDO each and every claim Unique Market Reference No. B087524C9N5051, B087524C9N5053 41999-2024 CFC Underwriting Ltd, All Rights Reserved 0 cfc CFC Underwriting Limited is authorised and regulated by the United Kingdom Financial Conduct Authority (FCA). CFC Underwriting Limited's Firm Reference Number at the FCA is 312848. These details may be checked by visiting the Financial Conduct Authority website at https:Hregister.fca.org.uk/. Alternatively, the Financial Conduct Authority may be contacted on +44 (0)20 70661000. We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations to you in respect of insurance policies that we have underwritten on behalf of insurers. This depends on the type of business and the circumstances of the claim. In respect of general insurance business the FSCS will cover 90% of the claim, without any upper limit and for compulsory classes of insurance, the FSCS will cover 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS. We intend to provide an excellent service to you. However, we recognize that there may be occasions when you feel that this has not been achieved. If you are unhappy with any aspect of the service that you receive from us, please contact your insurance broker in the first instance, stating the nature of your complaint, the certificate and/or claim number. Alternatively, you can contact us directly at complaints@cfc.com or please write to: Chief Executive Officer CFC Underwriting Limited 85 Gracechurch Street London EC3V OAA United Kingdom If you remain dissatisfied after we have considered your complaint and provided our response, you may have the right to refer your complaint to the Department of Insurance in your State for review. You will be provided with further information about your complaint escalation rights to the Department of Insurance in your State by us on receipt ofyour complaint. The existence of this complaints procedure does not affect your right to commence a legal 6ctioh or bh blteehbtive dispute eesolutioh proceeding ih bccoedbrlce with your cohtebctutlil rights. Unique Market Reference No. B087524C9N5051, B087524C9N5053 41999-2024 CFC Underwriting Ltd, All Rights Reserved r DATA DD0TFC'T10N NC We collect and use relevant information about you to provide you with your insurance cover or the insurance cover that benefits you and to meet our legal obligations. Where you provide us or your agent or broker with details about other people, you must provide this notice to them. The information we collect and use includes details such as your name, address and contact details and any other information that we collect about you in connection with the insurance cover from which you benefit. This information may include more sensitive details such as information about your health and any criminal convictionsyou may have. In certain circumstances, we may need your consent to process certain categories of information about you (including sensitive details such as information about your health and any criminal convictions you may have). Where we need your consent, we will ask you for it separately. You do not have to give your consent and you may withdraw your consent at any time. However, if you do not give your consent, or you withdraw your consent, this may affect our ability to provide the insurance cover from which you benefit and may prevent us from providing cover for you or handling your claims. The way insurance works means that your information may be shared with, and used by, a number of third parties in the insurance sector for example, insurers, agents or brokers, reinsurers, loss adjusters, sub -contractors, regulators, law enforcement agencies, fraud and crime prevention and detection agencies and compulsory insurance databases. We will only disclose your personal information in connection with the insurance cover that we provide and to the extent required or permitted by law. We will process individual insured's details, as well as any other personal information you provide to us in respect of your insurance cover, in accordance with our privacy notice and applicable data protection laws. To enable us to use individual insured's details in accordance with applicable data protection laws, we need you to provide those individuals with certain information about how we will use their details in connection with your insurance cover. You agree to provide to each individual insured this notice, on or before the date that the individual becomes an individual insured under your insurance cover or, if earlier, the date that you first provide information about the individual to us. We are committed to using only the personal information we need to provide you with your insurance cover. To help us achieve this, you should only provide to us information about individual insureds that we ask for from time to time. You have rights in relation to the information we hold about you, including the right to access your information. If you wish to exercise your rights, discuss how we use your information or request a copy of our full privacy notice, please contact us directly at data protection@cfc.com. For more information about how we use your personal information please see our full privacy notice, which is available online on our website at: http://ww-w.cfc.com/privacy Unique Market Reference No. B087524C9N5051, B087524C9N5053 41999-2024 CFC Underwriting Ltd, All Rights Reserved 0 cfc ATTACHING TO POLICY ESN0240136288 NUMBER: THE INSURED: ITI Digital LLC WITH EFFECT FROM: 03 Nov 2024 This Endorsement is issued in accordance with the terms and conditions of the "U.S. Terrorism Risk Insurance Act of 2002" as amended, as summarized in the disclosure notice. In consideration of the additional premium paid (as shown in the Declarations), it is hereby noted and agreed with effect from the Inception Date that the Exclusion relating to terrorism to which this Insurance is subject, shall not apply to any "insured loss" directly resulting from any "act of terrorism" as defined in the "U.S. Terrorism Risk Insurance Act of 2002", as amended ("TRIA"). The coverage afforded by this Endorsement is only in respect of any "insured loss" of the type insured by this Insurance directly resulting from an "act of terrorism" as defined in TRIA. The coverage provided by this Endorsement shall expire at 12:00 midnight December 31, 2027, the date on which the TRIA Program is scheduled to terminate, or the Expiry Date of this Policy whichever occurs first, and shall not cover any losses or events which arise after the earlier of these dates. The Exclusion relating to terrorism, to which this Insurance is subject, applies in full force and effect to any other losses and any act or events that are not included in said definition of "act of terrorism". This Endorsement only affects the Exclusion relating to terrorism to which this Insurance is subject. All other terms, Conditions and Exclusions of this Insurance including applicable limits and deductibles remain unchanged and apply in full force and effect to the coverage provided by this Insurance. Furthermore we will not be liable for any amounts for which we are not responsible under the terms of TRIA (including subsequent action of Congress pursuant to the Act) due to the application of any clause which results in a cap on our liability for payment for terrorism losses. LMA5389 (Amended) 09 January 2020 SUBJECT OTHERWISE TO THE TERMS AND CONDITIONS OF THE POLICY Unique Market Reference No. B087524C9N5051, B087524C9N5053 41999-2024 CFC Underwriting Ltd, All Rights Reserved r CfC Technology Policy document United States r cfc IMPORTANT: COVERAGE TRIGGERS. It is important for you to review this Policy in its entirety carefully, including CONDITION 1, as the trigger for coverage, including when you must notify us of a claim, under each Section and Insuring Clause may differ. Where cyber events or technology errors are not specifically excluded from a Section or Insuring Clause of this Policy, then a claim arising out of a cyber event or technology error which is otherwise covered under that Section or Insuring Clause will be payable, subject to all other terms, conditions and exclusions of this Policy. This Policy is a contract of insurance between you and us. Your Policy contains all the details of the cover that we provide. This Policy consists of and must be read together with the Declarations page and any Endorsements. This Policy is not complete unless it is signed and a Declarations page is attached. The sections of this Policy are identified by the blue lines across the page with white upper case print, these are for information purposes only and do not form part of the cover given by this Policy. Terms in bold upper case print are references to specific Insuring Clauses, Sections or Conditions. Other terms in bold lower case print are defined terms and have a special meaning as set forth in the Definitions section and elsewhere. Words stated in the singular will include the plural and vice versa. In consideration of the premium and in reliance upon the information thatyou have provided to us prior to the commencement of this insurance, we agree to provide the cover as set out below: INSURING CLAUSE 1: PROFESSIONAL LIABILITY SECTION A: PRQDUCTSAND SERVICES LIABILITY We agree to pay on your behalf all sums which you become legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim first made against you during the period of the policy or any applicable optional extended reporting period arising out of your technology services for any: a. negligent act, error, omission, misstatement or misrepresentation; b. breach of any contractual term implied by law concerning necessary quality, safety or fitness, or your duty to use reasonable care and skill; c. failure of a product to perform or function as intended; d. bodily injury or property damage and any consequential financial loss related to the bodily injury or property damage; or CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r cfc 2 e. other act, error or omission giving rise to civil liability but not any breach of contract other than as specified above. We will also pay costs and expenses on your behalf. SECTION B_ BREACH OF CONTRACT We agree to pay on your behalf all sums which you become legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim first made against you during the period of the policy or any applicable optional extended reporting period as a direct result of any unintentional breach of a contract with a client for the provision of your technology services. We will also pay costs and expenses on your behalf. SECTION C:SUB-CONTRACTOR VICARIOUS LIABILITY We agree to pay on ,your behalf all sums which you become legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim first made against you during the period of the policy or any applicable optional extended reporting period as a direct result of any act, error or omission committed by any sub -contractor engaged by you for the provision of your technology services. We will also pay costs and expenses on your behalf. SECTION D: INTELLECTUAL PROPERTY RIGHTS INFRINGEMENTAND DEFAMATION We agree to pay on your behalf all sums which you become legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim first made against you during the period of the policy or any applicable optional extended reporting period arising out of the provision of your technology services for any: a. infringement of any intellectual property right, breach of any intellectual property rights license acquired byyou or failure to attribute authorship or provide credit; b. act of passing -off, piracy or plagiarism or any misappropriation of content, concepts, format rights or ideas or breach of a contractual warranty relating to intellectual lbeooerty right$; c. misappropriation of a trade secret; d. invasion, infringement or interference with rights of privacy or publicity, including false light, public disclosure of private facts, intrusion, breach of confidence and commercial appropriation of name or likeness; e. breach of agreement, breach of confidentiality or promissory estoppel, in connection with the failure to maintain the confidentiality of a source or materials furnished by a source or the failure to portray a source or a subject in a certain light; or f. defamation, including but not limited to libel, slander, trade libel, product disparagement, injurious falsehood, emotional distress or outrage based on harm to the character or reputation of any person or entity. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved cfc We will also pay costs and expenses on your behalf. SECTION E: REGULATORY COSTS AND FINES We agree to pay on your behalf costs and expenses and any fines or penalties as a result of any regulatory investigation first initiated against you during the period of the policy or any applicable optional extended reporting period arising directly out of the provision of yqur tephngiggy $ervige$. However, we will not pay costs and expenses, fines or penalties in respect of any regulatory investigation affecting the wider environment in which you conduct your technology services, as opposed to any regulatory investigation solely affecting you. SECTION F: DISHONESTY OF EMPLOYEES We agree to pay on your behalf all sums which you become legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim first made against you during the period of the policy or any applicable optional extended reporting period arising out of any dishonesty by any erholpyee in the provision ofyqueteghhgIggy$er'vige$. We will also pay costs and expenses on your behalf. SECTION G: PAYMENT OF WITHHELD FEES We agree to payyourwithheld fees in the event that a client of yours brings or threatens to bring a claim against you that would be covered under INSURING CLAUSE 1 (SECTIONS A, B, C and F only) for an amount greater than your withheld fees if you attempt to recover the withheld fees from them. Prior to payment of your withheld fees you must obtain written confirmation from the client that they will not bring a claim against you if you agree not to pursue them for your withheld fees and provide it to us. INSURING CLAUSE 2: NETWORK SECURITY & PRIVACY LIABILITY SECTION A: NETWORK SECURITY LIABILITY We agree to pay on your behalf all sums which you become legally obliged to pay (including the establishment of any consumer redress fund and associated expenses) as a result of any claim arising directly out of a cyber event first discovered by you during the period of the policy that results in: a. the transmission of malware to a third party's computer system; b. your computer systems being used to carry out a denial of service attack; c. your failure to prevent unauthorized access to information stored or applications hosted on your computer systems or a third party's computer systems; and d. identity theft, experienced by your employees or any third 06 ty. We will also pay costs and expenses on your behalf. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority ©1999-2024 CFC Underwriting Ltd, All Rights Reserved Technologyv4.1 r' cfc 4 SECTION B_- PRIVACY LIABILITY We agree to pay on your behalf all sums which you become legally obliged to pay (including the establishment of any consumer redress fund and associated expenses) as a result of any claim arising directly out of a cyber event first discovered by you during the period of the policy that results in: a. an actual or suspected disclosure of or unauthorized access to any Personally Identifiable Information (PII), including payment card information or Protected Health Information (PHI); b. your failure to adequately warn affected individuals of a privacy breach, including the failure to provide a data breach notification in a timely manner; c. a breach of any rights of confidentiality as a direct result of your failure to maintain the confidentiality of any data pertaining to an employee; d. a breach of any rights of confidentiality, including a breach of any provisions of a non- disclosure agreement or breach of a contractual warranty relating to the confidentiality of commercial information, PII, or PHI; e. a breach of any part of your privacy policy; or f. actual or suspected disclosure of or unauthorized access to yque data or data for which yqu are responsible. We will also pay costs and expenses on your behalf. SECTION C: MANAGEMENT LIABILITY We agree to pay on behalf of any senior executive officer all sums they become legally obliged to pay as a result of any claim made against them arising directly out of a cyber event first discovered byyou during the period of the policy. We will also pay costs and expenses on behalf of your senior executive officers. However, we will not make any payment under this Section for which the senior' executive officer' is entitled to indemnity under any other insurance, except for any additional sum which is payable over and above the other insurance. SECTION D: REGULATORY INVESTIGATION COSTS We agree to pay on your' behalf any fines and penalties resulting from a r'egul6tor'y ihvestig6tioh arising as a direct result of a pyber event first discovered byyou during the period Qfthe pQlipy. We will also pay costs and expenses on your behalf. SECTION E: PCI FINEST PENALTIES AND ASSESSMENTS We agree to pay on your behalf any fines, penalties and card brand assessments including fraud recoveries, operational reimbursements, non -cooperation costs and case management fees CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved or cfc 5 which you become legally obliged to pay your acquiring bank or payment processor as a direct result of a payment card breach first discovered byyou during the period of the policy. We will also pay costs and expenses on your behalf. INSURING CLAUSE 3: CYBER INCIDENT RESPONSE SECTION A: INCIDENT RESPONSE COSTS We agree to pay on your behalf any reasonable sums necessarily incurred by you, or on your behalf, as a direct result of a cyber event first discovered byyou during the period of the policy to: a. gain access to our 24/7 cyber incident response hotline; b. engage with our cyber incident manager who will coordinate the initial response; c. obtain initial advice and consultancy from our cyber incident manager, including threat intelligence in relation to the cyber event; and d. obtain initial remote support and assistance from qur cyber inpident manager to respond to the cyberevent. SECTION B_- LEGAL AND REGULATORYCOSTS We agree to pay on your behalf any reasonable sums necessarily incurred by you, or on your behalf, as a direct result of a cyber event first discovered byyou during the period of the pQlicyto: a. obtain initial legal advice to determine your privacy breach notification obligations; b. draft notification letters, substitute notices, website notices or e-mail notification templates; and c. notify any appropriate government, regulatory, law enforcement, professional or statutory body. SECTION C: IT SECURITY AND FORENSIC COSTS We agree to pay on your behalf any reasonable sums necessarily incurred by you, or on your behalf, as a direct result of a cyber event first discovered byyou during the period of the policyto: a. engage with an external IT security consultant to identify the source and scope of the cyber event; b. obtain initial advice to remediate the impact of the cyber event; c. conduct a forensic investigation of your computer systems where reasonable and necessary or as required by law or a regulatory body (including a requirement for a PCI Forensic Investigator); d. contain and remove any malware discovered on you rcomputer systems; and e. engage with an IT security consultant to provide expert witness testimony at any trial or hearing arising from the cyber event. SECTION D; CRISIS CQMMUNIgATIQN QQ$T$ We agree to pay on your behalf any reasonable sums necessarily incurred by you, or on your behalf, as a direct result of a cyber event first discovered byyou during the period of the policyto: CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r cfc 6 a. engage with a crisis communications consultant to obtain specific advice in direct relation to the cyber event; b. coordinate media relations in response to the cyber event; c. receive training for relevant spokespeople with respect to media communications in direct relation to the cyber event; and d. formulate a crisis communications plan in order to reduce damage to your brand and reputation as a direct result of the cyber event. SECTION E: PRIVACY BREACH MANAGEMENT COSTS We agree to pay on your behalf any reasonable sums necessarily incurred by you, or on your behalf, as a direct result of a cyber event first discovered during the period of the Oolicyto: a. print and post appropriate notices for any individual affected by the actual or suspected pyber' event or to send e-mail notices or issue substitute notices; b. provide credit monitoring services, identity monitoring services, identity restoration services or identity theft insurance to affected individuals; c. set up a call center to manage inbound and outbound calls in direct relation to the cyber event; and d. provide translation services to manage communications with affected individuals. SECTION F: THIRD PARTY PRIVACY BREACH MANAGEMENT COSTS We agree to pay on behalf of any third party any reasonable sums necessarily incurred as a direct result of a cyber event first discovered byyou during the period of the policy to: a. print and post appropriate notices for any individual affected by the actual or suspected cyber event or to send e-mail notices or issue substitute notices; b. provide credit monitoring services, identity monitoring services, identity restoration services or identity theft insurance to affected individuals; c. set up a call center to manage inbound and outbound calls in direct relation to the cyber event; and d. provide translation services to manage communications with affected individuals; provided that you have contractually indemnified the third party against this cyber event and they have a legal obligation to notify affected individuals and that any costs incurred are with a provider that we have selected and approved in conjunction with you. SECTION G: POST BREACH REMEDIATION COSTS We agree to pay on your behalf any reasonable sums necessarily incurred by you, or on your behalf, with our cyber incident manager for any services that will mitigate the potential of a future cyber event following a cyber-event covered under INSURING CLAUSE 3. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved f cfc INSURING CLAUSE 4: CYBER CRIME SECTION A: ELECTRONIC THEFT OF YOUR FINANCIAL ASSETS We agree to reimburse you for loss first discovered by you during the period of the policy as a direct result of any third party committing: a. an unauthorized electronic transfer ofyqur financial assets from a bank or other financial institution, including an asset management firm, pension or investment fund; or b. any phishing, vishing or other social engineering attack against any employee that results in the electronic transfer of your funds to an unintended third party. SECTION B-- ELECTRONICTHEFTOFTHIRD PARTY FUNDS HELD IN ESCROW We agree to reimburse you for Iq�,s (including compensation you are legally obliged to pay) first discovered by you during the period of the policy as a direct result of you having to reimburse any third party for theft from a bank account held in your name of money or other financial assets held by you on behalf of that third party, provided that the theft was committed by any other third OcIrty by electronic means, including any phishing, vishing or other social engineering attack against you. $E(TTIQN C; THEFT OF PERSONAL FINANCIALA$$ET$ We agree to reimburse any senior executive officer for personal financial loss first discovered by them during the period of the policy as a direct result of any third party compromising the company's network security which results in: a. theft of money or other financial assets from a personal bank account of the senior executive officer; or b. identity theft of the senior executive officer as a result of a privacy breach suffered by you. SECTION D: EXTORTION We agree to reimburse you for any ransom paid by you, or on your behalf, in response to an extortion demand first discovered by you during the period of the policy as a direct result of any threat to: a. introduce malware, including ransomware, intoyour computer systems; b. prevent access to your computer systems or data or any third party systems hosting your applications or data; c. release your confidential information or confidential information entrusted to you; or d. damage your brand or reputation by posting false or misleading comments about you on social media sites. SECTION E:TELEPHONE HACKING We agree to reimburse you for loss associated with the cost of unauthorized calls or unauthorized use of your bandwidth first discovered by you during the period of the policy as a direct result of your telephone system being hacked by a third party. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r' cfc 8 SECTION F: PUSH PAYMENT FRAUD We agree to reimburse you in the event of fraudulent electronic communications or websites designed to impersonate you or any of your products first discovered byyou during the period of the policy, for: a. the cost of creating and issuing a specific press release or establishing a specific website to advise your customers and prospective customers of the fraudulent communications; b. the cost of reimbursing your existing customers for their financial loss arising directly from the fraudulent communications, including fraudulent invoices manipulated to impersonate you; c. your loss sustained following your discovery of the fraudulent communications as a direct result of the fraudulent communications; and d. external costs associated with the removal ofwebsites designed to impersonate you. SECTION G: UNAUTHORIZED USE OF COMPUTER RESOURCES We agree to reimburse you for loss associated with increased electricity costs and cloud service billing first discovered byyou during the period of the policy as a direct result of cryptojacking or botnetting. INSURING CLAUSE 5: SYSTEM DAMAGE AND BUSINESS INTERRUPTION SECTION A: SYSTEM DAMAGE AND RECTIFICATION COSTS We agree to reimburse you for the additional cost of employing: a. contract staff or overtime costs for employees to rebuild your data, including the cost of data re-entry or data re-creation; b. specialist data recovery consultants, including IT forensic consultants, to recoveryour data or applications; and c. specialist consultants or overtime costs for employees working within your IT department to reconstitute your computer systems to the position they were in immediately prior to the cyber event; reasonably and necessarily incurred as a direct result of a cyber event first discovered by you during the period of the policy. SECTION B.INCOME LOSS AND EXTRA EXPENSE We agree to reimburse you for yqur income Iq. and extra expen$e sustained during the indemnity period as a direct result of an interruption to your business activities caused by your computer systems downtime arising directly out of a cyberevent or system failure which is first discovered by you during the period of the 0oiicy, provided that the corri0uter' systems downtime lasts longer than the waiting period. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r' cfc 9 SECTION C: ADDITIONAL EXTRA EXPENSE We agree to reimburse you for any reasonable sums necessarily incurred during the indemnity period that are in addition to your normal operating expenses and the extra expense recoverable under INSURING CLAUSE 5 (SECTION B only): a. to source your products or services from alternative sources in order to meet contractual obligations to supplyyour customers; b. to employ contract staff or overtime costs for employees in order to continue your business activities; c. to employ specialist consultants, including IT forensic consultants to diagnose the source of the computer systems downtime; and d. for employees working overtime within your IT department to diagnose and fix the source of the computer systems downtime; to mitigate an interruption to your business activities covered under INSURING CLAUSE 5 (SECTION B only). SECTION D: DEPENDENT BUSINESS INTERRUPTION We agree to reimburse you for your income loss and extra expense sustained during the indemnity period as a direct result of an interruption to your business activities arising directly out of any sudden, unexpected and continuous downtime of computer systems used directly by a supply chain partner which is first discovered by you during the period of the policy, provided that the computer systems downtime lasts longer than the waiting period and arises directly out of any cyber event or system failure. SECTION E: CONSEQUENTIAL REPUTATIONAL HARM We agree to reimburse you for your income loss sustained during the reputational harm period as a direct result of the loss of current or future customers caused by damage to your reputation solely as a result of a cyber event first discovered byyou during the period of the policy. SECTION F: CLAIM PREPARATION COSTS We agree to pay on your behalf any reasonable sums necessarily incurred for professional fees to determine the amount of your Income loss and extra expense sustained following an event covered under INSURING CLAUSE 5 (SECTIONS B, D and E only). SECTION G: HARDWARE REPLACEMENT COSTS We agree to pay on your behalf any reasonable sums necessarily incurred to replace any hardware forming part of your computer systems, in the event your software or firmware has been corrupted by a cyber event first discovered by you during the period of the policy which directly results in the software or firmware being rendered unusable, provided that replacing the hardware is a more time efficient and cost effective solution than installing new firmware or software onto your existing hardware. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved For the purposes of this Section we will only pay for the costs to replace your existing hardware with a model of hardware that meets the minimum requirements to support the installation and operation of new firmware or software. INSURING CLAUSE 6: COMMERCIAL GENERAL LIABILITY SECTION A: BODILY INJURY AND PROPERTY DAMAGE LIABILITY We agree to pay on your behalf all sums which yqu become legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim arising out of bodily injury or property damage first occurring during the period of the policy, except when it is caused directly by your technology services. We will also pay posts and exibehl es on your' behalf. SECTION B: PERSONALAND ADVERTISING INJURY We agree to pay on your behalf all sums which you become legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim arising out of personal Injury or advertising Thjur'y first occurring during the i5er'i9d of the 091Tpy, except when it is directly caused by your technology services. We will also pay post$ and expenses on your behalf. SECTION C: PRODUCTS AND COMPLETED OPERATIONS LIABILITY We agree to pay on your behalf all sums which you become legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim arising out of bodily injury or property damage first occurring during the period of the policy caused directly by any product. We will also pay costs and expenses on your behalf. $ECTIQN D; PQLLVTIQN LIABILITY We agree to pay on your behalf all sums which you become legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim arising out of bodily injury or property damage caused directly by pollution first occurring during the period of the policy, on condition that the pollution was the direct result of a sudden, identifiable, unintended and unexpected incident and was not directly caused by you rtech nology services. We will also pay costs and expenses on your behalf. SECTION E: TENANTST LEGAL LIABILITY We agree to pay on your behalf all sums which you become legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim arising out of property damage to premises leased to, hired by, on loan to or held in trust by you or otherwise in your care, custody or control first occurring during the period of the policy. We will also pay costs and expenses on your behalf. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r cfc 11 SECTION F: MEDICAL EXPENSES We agree to pay medical expenses for bodily injury to a third party caused by an accident first occurring during the period of the policy in the course ofyourbusiness activities, provided that: a. the third party, at the time of the accident, is not entitled to benefits under any workers' compensation or disability benefits law or similar law; b. the medical expense$ are incurred and notified to u$ within one year of the date of the accident; and c. the third party submits to examination, at our expense, by physicians of our choice and as often as we reasonably require. We will make these payments regardless of fault. SECTION G: EMPLOYEE BENEFITS LIABILITY We agree to pay on your behalf all sums which you become legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim first made against you during the lbeeiQd of the oplicy or any applicable optional extended reporting period arising out of any act, error or omission committed byyou or on your behalf in the administration of your employee benefit program. We will also pay costs and expenses on your behalf. SECTION R NON -OWNED AND HIRED AUTOMOBILE LIABILITY We agree to pay on your behalf all sums which you become legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim arising out of bodily injury or property damage occurring during the period of the policy in the course of your business activities resulting from the use or operation by you of any automobile that is not owned in whole or in part by the cgmpany or licensed in the name of the pgmpany. We will also pay costs and expenses on your behalf. SECTION I: LIABILITY FOR DAMAGE TO HIRED OR LEASED AUTOMOBILES We agree to pay on your behalf all sums which you become legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim arising out of property damage to an automobile leased to or hired by you from a third party occurring during the period of the policy in the course of your business activities. We will also pay costs and expenses on your behalf. INSURING CLAUSE 7: LOSS MITIGATION In respect of INSURING CLAUSE 1, we agree to reimburseyou for any reasonable costs necessarily incurred by you with our prior written agreement (which will not be unreasonably withheld) in respect of measures taken by you to rectify any act, error or omission that resulted in a claim or CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved may result in a claim for which you would be entitled to indemnity under this Policy had these measures not been taken, provided that: a. these rectification measures are taken for the sole purpose of mitigating the claim or avoiding a claim; and b. the costs in respect of these rectification measures taken by you are less than the expected value of the claim. We will not make any payment under this Insuring Clause in respect of any costs that include any provision for: a. salaries or other remuneration of en)oloyees; b. your loss of profit; c. your normal operating expenses; or d. goodwill payments or other amounts thatyou are not contractually obliged to pay. INSURING CLAUSE 8: REPUTATION AND BRAND PROTECTION We agree to reimburse you for any reasonable sums necessarily incurred with our prior written agreement (which will not be unreasonably withheld) for the services of a public relations consultancy to avert or mitigate damage to your reputation or brand as a direct result of any media report that names you and publicizes an act or event that is the subject of a claim for which you are entitled to indemnity under this Policy. INSURING CLAUSE 9: COURT ATTENDANCE COSTS We agree to reimburse you for any reasonable sums necessarily incurred by you with our prior written agreement (which will not be unreasonably withheld) to attend court or any tribunal, arbitration, adjudication, mediation or other hearing in connection with any claim for which you are entitled to indemnity under this Policy. The maximum amount payable by us in respect of each Section and each Insuring Clause will not exceed the limit of liability. Where any claim is covered under multiple Sections, each Section will cover its part of the claim to the extent of the available limit of liability. In the event any Section covering the claim is exhausted, no other Section of the Policy covering the claim will provide additional cover. Regardless of how many Sections cover any claim, only one overall limit of liability will be available and this will be the highest limit of liability of the Sections covering the claim. The limits of liability available, other than the highest limit of liability, under the Sections covering the claim will always be a part of and not in addition to the highest ITmit of liability. For the purposes of this paragraph, INSURING CLAUSES 7,8 and 9 will each be considered a Section. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved Where more than one claim under this Policy arises from the same original cause or single source or event, all of those claims will be deemed to be one claim and only one limit of liability will be payable. We may at any time pay to you in connection with any claim the amount of the limit of liability (after deduction of any amounts already paid). Upon that payment being made we will relinquish the conduct and control of the claim and be under no further liability in connection with that claim except for the payment of costs and expenses incurred prior to the date of such payment (unless the limit of liability is stated to be inclusive of costs and expenses). If costs and expenses are stated in the Declarations page to be in addition to the limit of liability, or if the operation of local laws require costs and expenses to be paid in addition to the limit of liability, and if a damages payment in excess of the limit of liability has to be made to dispose of any gl;§irh, qur liability for gq! is bad expeh!�es will be in the same proportion as the limit of liability bears to the total amount of the damages payment. We will only be liable for that part of each and every claim which exceeds the amount of the deductible. If any expenditure is incurred by us which falls within the amount of the deductible, then you will reimburse that amount to us upon our request. Where more than one claim under this Policy arises from the same original cause or single source or event all of those claims will be deemed to be one claim and only one deductible will apply. In respect of INSURING CLAUSE 5 (SECTIONS B and D only), a single waiting period, deductible and indemnity period will apply to each claim. Where the same original cause or single source or event causes more than one period of computer systems downtime these will be considered one period of computer systems downtime whose total duration is equal to the cumulative duration of each individual period of computer systems downtime Where cover is provided under multiple Sections or multiple Insuring Clauses only one deductible will apply to that claim and this will be the highest deductible of the Sections under which cover is provided. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r' cfc 14 1. "Administration" means a. advising employees, including their dependents and beneficiaries, in respect of your employee benefit program; b. handling records in respect of your employee benefit program; and c. effecting enrolment or termination of any employee's participation in a plan included in youremployee benefit program. 2. "Advertising injury" means a. oral or written publication of defamatory content; b. oral or written publication of content that violates a person's right of privacy; or c. infringement of copyright, trade dress, slogan or a third 06r'ty's advertising idea; in your advertising or promotional material. 3. "Apprpv2d claims panel providers" means the approved claims panel providers stated in the Declarations page. 4. "Bodily injury" means death, bodily injury, mental injury, illness or disease. S. "Botnetting" means the unauthorized use of your computer systems by a third party for the purpose of launching a denial of service attack or hacking attack against another third party. 6. "Claim" means a. a written demand for compensation; b. a written request for a retraction or a correction; c. a threat or initiation of a lawsuit; or d. in respect of INSURING CLAUSES 1 (SECTION E only) and 2 (SECTION D only), a regulatory investigation; made againstyou. 7. "Claims managers" means the claims managers stated in the Declarations page. 8. "Client" means any third Obr'ty with whom you have a contract in place for the supply of your' technology services in return for a fee, or where a fee would normally be expected to be paid. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved f cfc 9. "Company" means the company named as the insured in the Declarations page or any subsidiary. 10. "Computer systems" means all electronic computers including operating systems, software, hardware, microcontrollers and all communication and open system networks and any data or websites wheresoever hosted, off-line media libraries and data back-ups and mobile devices including but not limited to smartphones, Phones, tablets or personal digital assistants. 11. "Continuity date" means the inception date or if you have maintained uninterrupted insurance of the same type with us, the date this insurance was first incepted with us. 12. "Costs and expenses" means a. third party legal and professional expenses (including disbursements) reasonably incurred in the defense of claims or circumstances which could reasonably be expected to give rise to a claim or in quashing or challenging the scope of any injunction, subpoena or witness summons; b. any post judgment interest; and c. the cost of appeal, attachment and similar bonds including bail and penal bonds. Subject to all costs and expenses being incurred with the claims managers' prior written agreement (which will not be unreasonably withheld). 13. "Cryptojacking" means the unauthorized use of your computer systems by a third party for the sole purpose of cryptocurrency mining activities. 14. "Cyber event" means any actual or suspected: a. unauthorized system access or electronic attack on computer systems used directly by you, or in respect of INSURING CLAUSE 5 (SECTION D only) computer systems used directly by a supply chain partner, including any denial of service attack, cyber terrorism, hacking attack, Trojan horse, phishing attack, man -in -the -middle attack, application -layer attack, compromised key attack, malware infection (including spyware or ransomware) or computer virus; or b. privacy breach. "Cyber event" does not mean technology error. 15. "Cyber incident manager" means the company or individual named as the cyber incident manager in the Declarations page. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved or cfc 16 16. "Cyber incident response hotline" means the cyber incident response hotline stated in the Declarations page. 17. "Cyberwar" means any unauthorized access to or electronic attack on computer systems, carried out by or on behalf of a state, that directly results in another state becoming an impacted state. 18. "Deductible" means the amount stated as the deductible in the Declarations page. 19. "Employee" means any employee of the company, any volunteer working for the company and any individual working for the company as an independent contractor. 20. "Employee benefit program" means the cgmpany's insurance, pension or other benefit programs. 21. "Expiry date" means the expiry date stated in the Declarations page. 22. "Extra expense" means your reasonable sums necessarily incurred in addition to your normal operating expenses to mitigate an interruption to and continue your business activities, provided that the costs are less than your expected income loss sustained had these measures not been taken. 23. "Impacted state" means any state that suffers a major detrimental impact on its: a. ability to function; or b. defense and security capabilities; as a direct result of any unauthorized access to or electronic attack on computer systems, carried out by or on behalf of another state. 24. "Inception date" means the inception date stated in the Declarations page. 25. "Income loss" means your income that, had the cyber event or system failure which gave rise to the claim not occurred, would have been generated directly from your business activities (less sales tax) during the indemnity period or reputational harm period, less: a. actual income (less sales tax) generated directly from your business activities during the indemnity period or reputational harm period; and CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r' cfc 17 b. any cost savings achieved as a direct result of the reduction in income. 26. "Indemnity period" means the period starting from the first occurrence of the computer systems downtime and lasting for the period stated as the indemnity period in the Declarations page. 27. "Intellectual property rights" means any intellectual property right including, but not limited to, copyright, trademark, trade dilution, trade dress, design rights, domain name rights, moral rights, service mark or service name, but not including any patent or trade name. 28. "Limit of liability" means if expressed in the Declarations page as: a. "limit of liability", the maximum amount payable by us in respect of each claim under this Policy; or b. "aggregate limit of liability", the maximum amount payable by us in respect of all claims under this Policy. 29. "Lg,,s" means any direct financial loss sustained by the company. 30. "Medical expenses" means reasonable and necessary expenses for: a. first aid administered at the time of an accident; b. medical, surgical, x-ray and dental services, including prosthetic devices; and c. ambulance, hospital, professional nursing and funeral services. 31. "Payment card breach" means an actual or suspected unauthorized disclosure of payment card data stored or processed by you arising out of an electronic attack, accidental disclosure or the deliberate actions of a rogue employee. "Payment card breach" does not mean a situation where payment card data is deliberately shared with or sold to a third party with the knowledge and consent of a senior executive officer. 32. "Period of the policy" means the period between the inception date and the expiry date or until the Policy is canceled in accordance with CONDITION 6. 33. "Per!�gnal injury" means a. false arrest, detention or imprisonment; CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r' cfc 18 b. malicious prosecution; or c. wrongful entry into, or eviction of a person from, a room, dwelling or premises that the person occupies. 34. "Pollutants" means any solid, liquid, gaseous, radiological or thermal irritant, toxic or hazardous substance, or contaminant including, but not limited to smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste materials, including recycled, reconditioned or reclaimed materials. 35. "Pollution" means the discharge, dispersal, release, migration, seepage or escape of pollutants. 36. "Premium" means the amount stated as the premium in the Declarations page and any subsequent adjustments. 37. "Privacy breach" means an actual or suspected unauthorized disclosure of information arising out of an electronic attack, accidental disclosure, theft or the deliberate actions of a rogue emplgyee or third party, including Personally Identifiable Information (PII), Protected Health Information (PHI) and payment card information. "Privacy breach" does not mean a situation where information is deliberately shared with or sold to a third party with the knowledge and consent of a senior executive officer. 38. "Product" means any tangible property, other than a technology product, that has been manufactured, altered, distributed or installed by you or on your behalf. 39. "Property damage" means direct physical damage to, destruction of, loss of possession or loss of use of tangible property. 40. "Regulatory investigation" means a formal hearing, official investigation, examination, inquiry, legal action or any other similar proceeding initiated by a governmental, regulatory, law enforcement, professional or statutory body against yqu. 41. "Reputational harm period" means the period starting from when the cyber event is first discovered and lasting for the period stated as the reputational harm period in the Declarations page. 42. "Retroactive date" means the retroactive date stated in the Declarations page. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved f cfc 43. "Senior executive officer" means board members, C-level executives, in-house lawyers and risk managers of the company. 44. "State" means sovereign state. 45. "Subsidiary" means any entity which the company has majority ownership of, meaning more than 50% ownership, on or before the inception date. 46. "Supply chain partner" means a ny: a. third party that provides you with hosted computing services including infrastructure, platform, file storage and application level services; or b. third party listed as a supply chain partner in an endorsement attaching to this policy which we have issued. 47. "System failure" means any sudden, unexpected and continuous outage of computer systems used directly byyou, or in respect of INSURING CLAUSE 5 (SECTION D only) computer systems used directly by a supply chain partner, which renders them incapable of supporting their normal business function and is caused by an application bug, an internal network failure or hardware failure. "System failure" does not mean cyber event. 48. "Technologyerror" means a ny: a. unintentional human error in entering, processing or amending electronic data within any computer systems or in the upgrading, maintenance or configuration of any computer systems; or b. application bug, internal network failure, external network failure or hardware failure directly impacting any computer systems which renders them incapable of supporting their normal business function; that does not arise directly or indirectly out of any cyber event. 49. "Technology product" means any hardware, or any related electronic product, equipment, or device that is designed, manufactured, altered, repaired, distributed or installed, licensed, leased or sold by you or on your behalf. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r cfc 20 50. "Technologyseniices" means the supply by you or on your behalf of technology products or technology services, including but not limited to software development, software installation and maintenance, hardware design, hardware installation and maintenance, data processing, internet services, data and application hosting, computer' systems analysis, consulting, training, programming, systems integration, IT support and network management, and as more fully described in the Declarations page. 51. "Third party" means any person who is not an employee or any legal entity that is not the company. 52. "Waiting period" means the number of hours stated as the waiting period in the Declarations page. 53. "War" means any physical: a. war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war is declared or not), civil war, rebellion, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; or b. action taken in controlling, preventing, suppressing or in anyway relating to a. above. 54. "We/our/us" means the underwriters stated in the Declarations page. 55. "Withheld fees" means any contractually due fee that your client refuses to pay you, but excluding any part of the fee that representsyour profit or mark-up or liabilityfor taxes. 56. "You/your" means a. the company; b. any past, present or future employees; c. the estates, heirs, legal representatives or assigns of any employee in the event of their death, incapacity, insolvency or bankruptcy but only with respect to any act, error or omission committed or alleged to have been committed by the employee while acting in their capacity as employee; and d. the parent, spouse, domestic partner, civil partner or child of any errtioloyee but only in respect of any claim made against them by reason of: i. their status as parent, spouse, domestic partner, civil partner or child of the employee; or ii. their ownership or interest in property which the claimant seeks as recovery for an alleged act, error or omission committed by the employee while acting in their capacity as employee. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r' cfc 21 We will not make any payment under this Policy: EXCLUSIONS RELATING TO PROFESSIONAL LIABILITY In respect of INSURING CLAUSE 1 only: 1. Unauthorised funds transfer arising directly out of any authorized or unauthorized electronic transfer of funds or financial assets, including where this results in any outstanding debt. EXCLUSIONS RELATING TO SYSTEM DAMAGE AND BUSINESS INTERRUPTION In respect of INSURING CLAUSE 5 only: 2. Businessinterruption liability for that part of any claim that constitutes actual or alleged liability to a third party, or legal costs in the defense of any claim, including customer compensation. 3. Property and hardware costs for any tangible property repair or replacement including the cost of repairing any hardware or replacing any tangible property or equipment that forms part of your computer systems. However, this Exclusion will not apply to INSURING CLAUSE 5 (SECTION G only). In respect of INSURING CLAUSE 5, SECTION E: 4. Contractual cancellation for any income loss arising directly or indirectly out of any client suspending or terminating their contract with you. EXCLUSIONS RELATING TO COMMERCIAL GENERAL LIABILITY In respect of INSURING CLAUSE 6 only: 5. Communicable diseases arising directly or indirectly out of, or in any way relating to any actual, threat or fear of any pathogen or disease, including any virus, bacterium, parasite or variation of these, which can be transmitted by any means directly or indirectly from any organism to another organism and can cause, or have the potential to cause: a. damage to human health or welfare; or b. physical damage or destruction to tangible property, including the deterioration, loss of use or reduction in value or marketability of the tangible property. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved or cfc 22 6. Cyber events arising directly or indirectly out of any cyber event. 7. Faulty workmanship for the cost to repair or replace, including any ensuing financial loss: a. that part of any property that has been damaged byyou, or a third party operating on your behalf, during its construction, distribution or installation; b. that part of any property as a direct result of faulty workmanship by you, or a third party operating on your behalf, during its construction or installation; or c. any undamaged property that contains any product, unless the product which the property contains has been damaged as a direct result of a sudden, unintended and unexpected incident after it has left your care, custody or control. 8. FinanQial Ip,,s arising directly or indirectly out of third party financial loss, other than third party financial loss directly resulting from bodily ihjury, oeesQhM injury, ;�dvertising ihjur'yor i5epoertyd;�M;§ge. 9. Land or water arising directly or indirectly from damage by any description to land or water within or below the boundaries of any land or premises presently or at any time previously owned or leased by you or otherwise in your care, custody or control. 10. Long term hired or leased automobiles arising directly or indirectly out of any bodily injury or property damage caused: a. whilst driving an automobile which has been on hire from or leased to you by a third party for more than 30 consecutive days; or b. by any trailer attached to an automobile stated in a. above. 11. Marine and aviation arising directly or indirectly from the ownership, possession or use byyou, or on your behalf, of a ny: a. watercraft, other than any hovercraft, in excess of 10 meters in length; or b. aircraft, drone, hovercraft, offshore installation, offshore rig or offshore platform. 12. Property in your care, custody or control arising directly or indirectly out of property damage to third party property which is in your care, custody or control. However, this Exclusion will not apply to INSURING CLAUSE 6 (SECTIONS E, H and I only). In respect of INSURING CLAUSE 6, SECTION B: CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved f cfc 13. Content advertised prior to the continuity date 23 arising directly or indirectly out of any advertisement that was first published prior to the continuity date. In respect of IN$URING QLAU$E 6, $E(;TIQN G: 14. Benefit laws arising directly or indirectly out of your failure to comply with the mandatory provisions of any law concerning workers' compensation, unemployment insurance, social security, disability benefits or pension benefits. 15. Employee Benefit program advice arising directly or indirectly from advice given to any person to participate or not to participate in any plan included in your employee benefit program or the failure of any investment to perform as represented by you. EXCLUSIONS RELATING TO ALL INSURING CLAUSES 16. Advertising injury arising directly or indirectly out of advertising injury. However, this Exclusion will not apply to INSURING CLAUSE 6 (SECTION B only). 17. Antitrust for or arising out of any actual or alleged antitrust violation, restraint of trade, unfair competition, false, deceptive or unfair trade practices, violation of consumer protection laws or false or deceptive advertising other than: a. where specifically covered under INSURING CLAUSES 2, 3, 4 and 5 for which you have purchased cover; or b. any covered portion of any claim based on your alleged unauthorized use of a third 06r'ty's trademark. 18. Asbestos arising directly or indirectly out of the manufacturing, mining, use, sale, installation, removal, distribution of or exposure to asbestos, materials or products containing asbestos or asbestos fibers or asbestos dust. 19. Associated companies a. in respect of any claim made by any company, firm or partnership in which the company has greater than a 15% executive or financial interest, unless the claim emanates from an independent third party, CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r' cfc 24 b. in respect of any claim made by any company, firm, partnership or individual which has greater than a 15% executive or financial interest in the company, unless the claim emanates from an independent third party, c. arising out of or resulting from any of your activities as a trustee, partner, officer, director or employee of any employee trust, charitable organization, corporation, company or business other than that of the company; or d. in respect of any claim made by or on behalf of the company against a third party. 20. Auto arising directly or indirectly from the ownership, possession or use of any motor vehicle or trailer other than bodily ihjury or property d8n)tlge: a. caused by the use of any tool or equipment forming part of or attached to or used in connection with any motor vehicle or trailer; b. occurring beyond the limits of any carriageway or thoroughfare and caused by the loading or unloading of any motor vehicle or trailer; c. arising out of the use of any motor vehicle or trailer temporarily in your custody or control for the purpose of parking; or d. occurring beyond the limits of any carriageway or thoroughfare and caused by the use of any unlicensed vehicle, including but not limited to snowmobiles and all -terrain vehicles, in the course of your business activities; provided always that we will not make any payment in respect of any legal liability for which compulsory insurance or security is required by legislation or for which a government or other authority has accepted responsibility. However, this Exclusion will not apply to INSURING CLAUSE 6 (SECTIONS H and I only). 21. Betterment which results in you being in a better financial position or you benefitting from upgraded versions ofyourcomputer systems as a direct result of the event which gave rise to the claim under this policy. However, this Exclusion will not apply to INSURING CLAUSE 5 (SECTION G only). 22. Bodily injury in respect of INSURING CLAUSES 1 and 2, arising directly or indirectly out of bodily injury. However, this Exclusion will not apply to: a. INSURING CLAUSE 1 (SECTION A only); and b. INSURING CLAUSES 1 (SECTION D only) and 2 (SECTIONS A, B and C only) for any claim as a direct result of mental injury or emotional distress. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved or cfc 25 23. Breach of contract arising directly out of any breach of contract. However, this Exclusion will not apply to: a. INSURING CLAUSE 1 (SECTIONSA, B and D only); and b. INSURING CLAUSE 6, if liability would have attached in the absence of that contract. 24. Chargebacks for any credit card company or bank, wholly or partially, reversing or preventing a payment transaction, unless specifically covered under INSURING CLAUSE 2 (SECTION E only) for which you have purchased coverage. 2S. Collection of private data without consent arising directly or indirectly from,youractual or alleged failure to obtain agreement from any private individual before collecting, storing or processing any of their personal information, including but not limited to internet search history and internet browsing habits. 26. Core internet infrastructure failure in respect of INSURING CLAUSES 2, 3, 4 and 5, arising directly from a failure, material degradation or termination of any core element of the internet, telecommunications or GPS infrastructure that results in a regional, countrywide or global outage of the internet or telecommunications network, including a failure of the core DNS root servers, satellite network or the IP addressing system or an individual state or non -state actor disabling all or part of the internet. 27. Cryptocurrency arising directly or indirectly out of any: a. theft or loss of, or b. provision of, or failure to provide, any advice, consultancy or any other services or activities relating to; any crypto asset, including cryptocurrency, utility tokens, securities tokens, ecosystem tokens or any other type of digital currency. 28. Directors and officers liability arising out of any personal liability incurred by your seh of executive officers when they are acting in that capacity or managing you, or arising from any statement, representation or information regarding your business contained within any accounts, reports or financial statements. However, this Exclusion will not apply to INSURING CLAUSE 2 (SECTION C only). CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved f cfc 29. Domain name suspension or revocation 26 in respect of INSURING CLAUSES 2, 3, 4 and 5, arising directly or indirectly from the suspension, cancellation, revocation or failure to renew any of your domain names or uniform resource locators. 30. Employers' liability arising directly or indirectly out of bodily injury to your employees. 31. Employment disputes arising directly or indirectly out of any: a. employer -employee relations, policies or practices; b. actual or alleged refusal to employ any person; c. actual or alleged breach by any employee of any term or condition of any express or implied contract between them and any past employer of theirs, including breaching any restrictive covenant, covenant not to compete, non -disparagement agreement, confidentiality agreement or non -solicitation agreement; or d. actual or alleged conduct by you that defames, libels, slanders, disparages or harasses any past employer of any employee or interferes with any past, present or prospective employment or contractual relationship between any employee and any past employer of theirs. 32. ERISA based upon the Employment Retirement Income Security Act of 1974, and any amendment thereto, or any rules or regulations promulgated thereunder. 33. Extended warranty arising directly or indirectly out of any extended warranty agreement, unless liability would have attached in the absence of that agreement. 34. Insolvency arising out of or relating directly or indirectly to your insolvency or bankruptcy, or the insolvency or bankruptcy of any third party. However, your insolvency will not relieve us of any of our legal obligations under this contract of insurance where this insolvency does not give rise to a claim under this Policy. 3S. Intellectual orolber'ty rights grid defamation arising directly or indirectly out of defamation or any infringement of intellectual property rights. However, this Exclusion will not apply to INSURING CLAUSES 1 (SECTION D only) or 6 (SECTION B only). CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved 36. Jointventure arising directly or indirectly out of any: a. activities related to a joint business venture between you and any third party or any entity that is owned or controlled in part by you or any third party related to the joint business venture; or b. claim made against you by any third party related to a joint business venture or any entity that is owned or controlled in part by any third party related to thejoint business venture. 37. Known claims and circumstances arising out of any actual or suspected Bybee event, system f6iluee, o16im or circumstance which might give rise to a claim under this Policy which a senior executive officer was aware of, or ought reasonably to have been aware of, prior to the continuity date, including any claim or circumstance notified to any other insurer. 38. Legal action where any legal action is brought outside the legal action territories stated in the Declarations page, or where an action is brought within those territories to enforce a judgment outside of those territories whether byway of reciprocal agreement or otherwise. 39. Liquidated damages service credits and penalty clauses for liquidated damages or service credits, or arising out of penalty clauses unless you would have been liable in the absence of any contract stipulating the liquidated damages or service credits or penalty clauses. 40. Loss of economic value for the reduction in economic or market value (including loss of potential future sales) of any of your intellectual property assets. 41. Misleading advertising arising directly or indirectly from any advertisement, promotion or product description that is actually or alleged to be false or misleading. However, this Exclusion will not apply to INSURING CLAUSE 6 (SECTION B only). 42. Nuclear arising directly or indirectly from or contributed to by: a. ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or b. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r cfc 28 43. Other insurance for which you are entitled to indemnity under any other insurance except for: a. any additional sum which is payable over and above the other insurance where that insurance has been declared to us; or b. any contribution that we are obliged to make by law and that contribution will be in proportion to the indemnity available under the Policies. 44. Patent infringement arising directly or indirectly out of the actual or alleged infringement or inducement of infringement of any patent, including any application for a patent that has not yet been granted. 45. Payment card industry related fines, penalties and assessments for fines, penalties and card brand assessments, including fraud recoveries, operational reimbursements, non -cooperation costs and case management fees which you become legally obliged to pay yque acquiring bank or payment processor as a direct result of a payment card breach. However, this Exclusion will not apply to INURING CLALJ$E 2 (SECTION E only). 46. Personal injury arising directly or indirectly out of personal injury. However, this Exclusion will not apply to INSURING CLAUSE 6 (SECTION B only). 47. Personal liability in respect of any action brought against any past, present or future employee, unless arising directly out of work performed for the company. 48. Pollution arising directly or indirectly out of pollution. However, this Exclusion will not apply to INSURING CLAUSE 6 (SECTION D only). 49. Power and utility failure in respect of IN$VRING CLAV$E$ 2, 3, 4 and 5, arising directly or indirectly from any: a. failure in the power supply, including that caused by any surge or spike in voltage, electrical current or transferred energy; or b. failure, disruption or reduction in the supply of utilities, including telecommunications, gas and water infrastructure or services. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r cfc 29 50. Product recall for the costs to withdraw, recall, dispose, remove, repair, adjust, alter, recondition, replace or reinstate, any product or part of a product. However, this Exclusion will not apply to INSURING CLAUSE 1 where you are legally liable for those costs as the direct result of any act, error or omission committed by you. 51. Products liability arising directly out of any bodily injury or property damage caused directly by any product. However, this Exclusion will not apply to INSURING CLAUSE 6 (SECTION C only). 52. Property damage in respect of INSURING CLAUSES 1, 2, 3, 4 and 5, arising directly or indirectly out of property damage. However, this Exclusion will not apply to INSURING CLAUSE 1 (SECTION A only). 53. Property perils in respect of INSURING CLAUSES 2, 3, 4 and 5, arising directly or indirectly from fire, theft, earthquake or earth movement of any kind, flood, hail, hurricane, lightning strike, solar storm, tornado, tsunami, volcano, wildfire or wind. 54. Regular hours staff costs in respect of INSURING CLAUSES 2, 3, 4 and 5, for contracted salary and bonus costs paid to employees. 55. Related or associated company confidential business information arising directly or indirectly out of any actual or alleged misappropriation, unauthorized use or disclosure by any employee of any idea, trade secret or other confidential business information which they were a party to or which they otherwise had possession of prior to being employed by the company. However, this Exclusion will not apply to INSURING CLAUSE 2 (SECTION A only) solely in respect of any claim arising out of any actual or suspected electronic attack or unauthorized system access by any third party. 56. Retroactive date in respect of INSURING CLAUSES 1 and 6 (SECTION G only), arising out of any act, error or omission committed or alleged to have been committed on or before the retroactive date, or any related or continuing acts, errors or omissions where the act, error or omission was first committed or alleged to have been first committed on or before the retroactive date. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r cfc 30 57. RICO for any actual or alleged violations of the Racketeer Influenced and Corrupt Organization Act and any subsequent amendments to this Act. 58. Securities violations for any actual or alleged violation of any laws or regulations relating to the offer or sale of securities. 59. Seizure of illegal property arising from an order by a public or government authority which deprives you of the use or value of your property or arising from acts of contraband or illegal transportation or illegal trade. 60. Terrorism arising directly or indirectly out of: a. any act or threat of force or violence by an individual or group, whether acting alone or on behalf of or in connection with any organization or government, committed for political, religious, ideological or similar purposes including the intention to influence any government or to put the public, or any section of the public, in fear; or b. any action taken in controlling, preventing, suppressing or in any way relating to a. a bove. However, this Exclusion does not apply to a cyber event affecting your computer systems or a supply chain partner's computer systems. 61. Toxic mold arising directly or indirectly from the toxic properties of any fungus, mold, mildew or yeast. 62. Trade name arising directly or indirectly out of any trade name. 63. Uninsurable fines for fines, penalties, civil or criminal sanctions, and for multiple, punitive or exemplary damages, unless insurable by law. 64. lJnju$t enriphment for that part of any claim that results in you being in a better financial position as a direct result of your act, error or omission than you would have been if you had not committed the act, error or omission. However, this Exclusion will not apply to any refund of any fee, other than the part of the fee that represents your profit or mark-up or liability for taxes. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved f cfc 65. Unlawful surveillance 31 in respect of any actual or alleged eavesdropping, wiretapping, or unauthorized audio or video recording committed byyou or by a third party on your behalf. 66. Unsolicited communications arising directly or indirectly from any actual or alleged violation of: a. the CAN-SPAM Act of 2003 or any subsequent amendments to that Act; b. the Telephone Consumer Protection Act (TCPA) of 1991 or any subsequent amendments to that Act; or c. any other law, regulation or statute relating to unsolicited communication, distribution, sending or transmitting of any communication via telephone or any other electronic or telecommunications device. However, this Exclusion will not apply to INSURING CLAUSE 2 (SECTION A only). 67. War and cyber war arising directly or indirectly out of: a. war; or b. cyber. war. However, part b. above will not apply to: a. INSURING CLAUSE 3 (SECTIONS A and D only); and b. that part of any claim relating to any computer systems which are physically located outside of an impacted state. 68. Web$ite content appe!�$ibility arising directly or indirectly out of the actual or alleged violation of any laws, regulations or guidelines relating to the accessibility of your website content or any website content you have created for any third party. 69. Willful qr di�hgne$t aqt!� Qf �enigrexeputive officers arising directly or indirectly out of any willful, criminal, malicious or dishonest act, error or omission by a senior executive officer as determined by final adjudication, arbitral tribunal or written admission. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r' cfc 32 1. What you must do in the event of a claim orcyber incident If any senior exequtive ofPiger becomes aware of any incident which may reasonably be expected to give rise to a claim under this Policy you must: a. notify the claims managers as soon as is reasonably practicable (in respect of cyber incidents, a telephone call to our cyber incident response hotline will constitute notification). However, in respect of INSURING CLAUSES 1 and 6 (SECTION G only), this notification must be made no later than the end of any applicable extended reporting period; b. in respect of INSURING CLAUSE 4, report the theft or incident as soon as is reasonably practicable to the appropriate law enforcement authorities and provide us with a copy of this report on our request; and c. not admit liability for or settle or make or promise any payment or incur any costs and expenses without our prior written agreement (which will not be unreasonably withheld). In respect of INSURING CLAUSES 1 and 6 (SECTION G only), if you notify an incident that we agree is reasonably expected to give rise to a claim, we will accept any claim that arises out of the incident as being notified under this Policy. We require you to provide full details of the incident, including but not limited to: a. the time, place and nature of the incident; b. the manner in which you first became aware of this incident; c. the reasons why you believe that this incident could give rise to a claim under this Policy; d. the identity of the potential claimant; and e. an indication as to the size of the claim that could result from this incident. In respect of INSURING CLAUSES 2, 3, 4 and 5, if you discover a cybee evehtyou may only incur costs without our prior written consent within the first 72 hours following the discovery and any third party costs incurred must be with a company forming part of the approved claims panel providers. All other costs may only be incurred with the prior written consent of the cl;iMs Mclhtgees (which will not be unreasonably withheld). 2. Additional insureds We will indemnify any third party as an additional insured under this Policy, but only in respect of sums which they become legally obliged to pay (including liability for claimants' CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r cfc 33 costs and expenses) as a result of a claim arising solely out of an act committed by you, provided that: a. you contracted in writing to indemnify the third party for the claim prior to it first being made against them; and b. had the claim been made against you, then you would be entitled to indemnity under this Policy. Before we indemnify any additional insured they must: a. prove to us that the claim arose solely out of an act committed by you; and b. fully comply with CONDITION 1 as if they were you. Where we indemnify a third party as an additional insured under this Policy, this Policy will be primary and non-contributory to the third 06rty'$ own insurance, but only if you and the third party have entered into a contract that contains a provision requiring this. Where a third party is treated as an additional insured as a result of this Condition, any claim made by that third party againstyou will be treated by us as if they were a third party and not as an insured. 3. Agreement to pay claims (duty to defend) We have the right and duty to take control of and conduct in your name the investigation, settlement or defense of any claim. We will not have any duty to pay costs and expenses for any part of a claim that is not covered by this Policy. You may ask the claims managers to consider appointing your own lawyer to defend the claim on your behalf and the claims managers may grant your request if they consider your lawyer is suitably qualified by experience, taking into account the subject matter of the claim, and the cost to provide a defense. We will endeavor to settle any claim through negotiation, mediation or some other form of alternative dispute resolution and will pay on your behalf the amount we agree with the claimant. If we cannot settle using these means, we will pay the amount which you are found liable to pay either in court or through arbitration proceedings, subject to the limit of liability. We will not settle any claim without your consent. If you refuse to provide your consent to a settlement recommended by us and elect to continue legal proceedings in connection with the claim, any further costs and expenses incurred will be paid by you and us on a proportional basis, with 50% payable by us and 50% payable byyou. Asa consequence of your refusal, our liability for the claim, excluding costs and expenses, will not be more than the amount for which the claim could have been settled. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r cfc 34 4. Application warranty You agree that all statements made by you in the application form, including any renewal application form, and any supplemental materials you have supplied in support of the application for insurance, are your agreements and representations to us and the Policy is issued in reliance upon that information. The misrepresentation or non -disclosure of any matter byyou or your agent will render this Policy null and void and relieve us from all liability under this Policy. 5. Calculation of business interruption losses Following an interruption to your business activities covered under INSURING CLAUSE 5 (SECTIONS B, C or D only), you must provide us with your calculation of the loss including: a. how the loss has been calculated and what assumptions have been made; and b. supporting documents including account statements, sales projections and invoices. 6. Cancellation This Policy may be canceled with 30 days written notice by eitheryqu or u$. If you give us notice of cancellation, the return premium will be in proportion to the number of days that the Policy is in effect. However, if you have made a claim under this Policy there will be no return premium. If we give you notice of cancellation, the return premium will be in proportion to the number of days that the Policy is in effect. We also reserve the right of cancellation in the event that any amount due to us by you remains unpaid more than 60 days beyond the inception date. If we exercise this right of cancellation it will take effect from 14 days after the date the written notice of cancellation is issued. The Policy Administration Fee will be deemed fully earned upon inception of the Policy. 7. Continuous cover In respect of INSURING CLAUSES 1 and 6 (SECTION G only), if during the period of a previous renewal of this Policy you neglected, through error or oversight only, to report to us an incident that might give rise to a claim, then provided you have maintained uninterrupted insurance of the same type with u$ since expiry of the previous renewal of this Policy, we will permit the incident to be reported to us under this Policy and we will indemnify you under this Policy in respect of any claim that arises out of the incident, provided: a. the indemnity will be subject to the applicable limit of liability of the previous renewal of this Policy under which the incident should have been reported to us or the applicable limit of liability, whichever is the lower; CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r' cfc 35 b. we may reduce the indemnity entitlement by the monetary equivalent of any prejudice which has been suffered as a result of the delayed notification; and c. the indemnity will be subject to all other terms and conditions of this Policy. W2 require you to provide full details of the incident, including but not limited to: a. the time, place and nature of the incident; b. the manner in which you first became aware of this incident; c. reasons why you believe that this incident could give rise to a claim; d. the identity of the potential claimant; and e. an indication as to the size of the claim that could result from this incident. For the avoidance of doubt, this Condition only applies to incidents that might give rise to a claim. 8. Cross liability and severability In respect of INSURING CLAUSE 6 only, where there is more than one entity insured under this Policy, and subject to the limit of liability, any claim made by one insured entity against another insured entity will be treated as if they are a third party and knowledge possessed by one insured entity will not be imputed to any other insured entity. 9. Dispute resolution All disputes or differences between you and us will be referred to mediation or arbitration and will take place in the country of registration of the company named as the insured in the Declarations page. In respect of any arbitration proceeding we will follow the applicable rules of the arbitration association in the country where the company stated as the insured in the Declarations page is registered, the rules of which are deemed incorporated into this Policy by reference to this Condition. Unless the applicable arbitration association rules state otherwise, a single arbitrator will be appointed who will be mutually agreed between you and us. If you and we cannot agree on a suitable appointment then we will refer the appointment to the applicable arbitration association. Each party will bear its own fees and costs in connection with any mediation or arbitration proceeding but the fees and expenses of the arbitrator will be shared equally between yqu and us unless the arbitration award provides otherwise. Nothing in this Condition is intended to remove your rights under CONDITION 21. However, if a determination is made in any mediation or arbitration proceeding, CONDITION 21 is intended only as an aid to enforce this determination. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved or cfc 36 10. Fraudulent claims If it is determined by final adjudication, arbitral tribunal or written admission by you, that you notified us of any claim knowing it to be false or fraudulent in any way, we will have no responsibility to pay that claim, we may recover from you any sums paid in respect of that claim and we reserve the right to terminate this Policy from the date of the fraudulent act. If we exercise this right, we will not be liable to return any premium to you. However, this will not affect any non -fraudulent claim under this Policy which has been previously notified to us. 11. Extended reporting period An extended reporting period of 60 days following the expiry date will be automatically granted at no additional premium. This extended reporting period will cover, subject to all other terms, conditions and exclusions of this Policy: a. in respect of INSURING CLAUSES 1 and 6 (SECTION G only), any claim first made against you during the period of the policy and reported to us during this extended reporting period; b. in respect of INSURING CLAUSES 2, 3, 4 and 5, any cyber event, system failure or loss first discovered by you during the period of the policy and reported to us during this extended reporting period; and c. any circumstance that a senior executive officer became aware of during the period of the policy and reports to us during this extended reporting period. No claim will be accepted by us in this 60 day extended reporting period if you are entitled to indemnity under any other insurance, or would be entitled to indemnity under such insurance if its limit of liability was not exhausted. 12. Optional extended reporting period If we or you decline to renew or cancel this Policy then you will have the right to have issued an endorsement providing an optional extended reporting period for the duration stated in the Declarations page which will be effective from the cancellation or non -renewal date. This optional extended reporting period will cover, subject to all other terms, conditions and exclusions of this Policy: a. in respect of INSURING CLAUSES 1 and 6 (SECTION G only), any cl;tlin) first made against you and reported to l during this optional extended reporting period, provided that the claim arises out of any act, error or omission committed prior to the date of cancellation or non -renewal; and b. in respect of INSURING CLAUSES 2, 3, 4 and 5, any cybee event, system fbiluee or loss first discovered by yqu during this optional extended reporting period, provided that the cyber event, system failure or loss first occurred during the period of the policy. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r cfc 37 If you would like to purchase the optional extended reporting period you must notify us and pay us the optional extended reporting period premium stated in the Declarations page within 30 days of cancellation or non -renewal. The right to the optional extended reporting period will not be available to you where cancellation or non -renewal by us is due to non-payment of the premium or your failure to pay any amounts in excess of the applicable limit of liability or within the amount of the applicable deductible as is required by this Policy in the payment of claims. At the renewal of this Policy, ourquotation of different premium, deductible, limits of liability or changes in policy language will not constitute non -renewal by us. 13. Maintenance of employee automobile liability insurance It is a condition precedent to indemnity under INSURING CLAUSE 6 (SECTIONS H and I only) that all emplgyee5 who operate an automobile in the course of yqur business activities will maintain in full force and effect for the perigd of the pglicy primary automobile liability insurance in an amount equal to, or greater than, the minimum primary automobile liability limits required in the state of registration of the automobile. If you make a claim under IN$�JRING CLAL1$E 6 ($EgTIQN$ H and I only) and the enl)019yee has failed to meet these requirements then this Policy will only respond to provide excess coverage as though the requirements had been met, whereby you agree to pay all sums within and up to the required minimum limit. 14. Mergers and acquisitions Ifyou acquire an entity during the period ofthe policywhose annual revenue does not exceed 20% of the company's annual revenue, as stated in its most recent annual financial statements, cover is automatically extended under this Policy to include the entity as a subsidiary. If you acquire an entity during the period of the Oolicywhose annual revenue exceeds 20% of the pgmpany'$ annual revenue, as stated in its most recent annual financial statements, cover is automatically extended under this Policy to include the entity as a subsidipryfor 45 days. We will consider providing cover for the acquired entity after the period of 45 days if: a. yqu give us full details of the entity within 45 days of its acquisition; and b. you accept any amendment to the terms and conditions of this Policy and agree to pay any additional premium required by us. In the event you do not comply with a. and b. above, cover will automatically terminate for the entity 45 days after the date of its acquisition. Cover for any acquired entity is only provided under this Policy for any act, error or omission committed or alleged to have been committed on or after the date of its acquisition. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r' cfc 38 No cover will be automatically provided under this Policy for any acquired entity: a. whose business activities are materially different from your business activities; b. that has been the subject of any lawsuit, disciplinary action or regulatory investigation in the 3 year period prior to its acquisition; or c. that has experienced a cyb2r 2v2nt in the 3 years period prior to its acquisition, if you have purchased INSURING CLAUSES 2, 3, 4 or 5 and the cyber event cost more than the highest deductible of INSURING CLAUSES 2, 3, 4 or 5 If during the period of the policy you consolidate, merge with or are acquired by another entity then all coverage under this Policy will terminate at the date of the consolidation, merger or acquisition unless we have issued an endorsement extending coverage, and you have agreed to any additional premium and terms of coverage required by us. 15. Newsubsidiaries If you create an entity during the period of the policy cover is automatically extended under this Policy to include the entity as a subsidiaryfor 45 days. We will consider providing cover for the created entity after the period of 45 days if: a. you give us full details of the entity within 45 days of its creation; and b. you accept any amendment to the terms and conditions of this Policy and agree to pay any additional premium required by us. In the event you do not comply with a. and b. above, cover will automatically terminate for the entity 45 days after the date of its creation. Cover for any created entity is only provided under this Policy for any act, error or omission committed or alleged to have been committed on or after the date of its creation. No cover will be automatically provided under this Policy for any created entity whose business activities are materially different from your business activities. 16. Our rights of recovery If we make any payment under this Policy and you have any right of recovery against a third 08l ty in respect of this payment, then we will maintain this right of recovery. You will do whatever is reasonably necessary to secure this right and will not do anything after the event which gave rise to the claim to prejudice this right. We will not exercise any rights of recovery against any employee, unless this is in respect of any fraudulent or dishonest acts or omissions as proven by final adjudication, arbitral tribunal or written admission by the employee. Any recoveries will be applied as follows: CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r' cfc a. towards any recovery expenses incurred by us; b. then to us up to the amount of our payment under this Policy, including costs and expenses; c. then to you as recovery of your deductible. 17. Prior subsidi6ries Should an entity cease to be a subsidiary after the inception date, cover in respect of the entity will continue as if it was still a subsidiary during the period of the policy, but only in respect of an act, error, omission or event occurring prior to the date that it ceased to be a subsidiary. 18. Process for paying privacy breach notification costs Any privacy breach notification transmitted by you or on your behalf must be done with our prior written consent. We will ensure that notification is compliant with any legal or regulatory requirements and contractual obligations. No offer must be made for financial incentives, gifts, coupons, credits or services unless with our prior written consent which will only be provided if the offer is commensurate with the risk of harm. We will not be liable for any portion of the costs you incur under IN$t1RING CLALJ$E 3 ($E(;TIQN E only) that exceed the costs that you would have incurred had you gained Qur prior written consent. In the absence of our prior written consent we will only be liable to pay you the equivalent cost of a notification made using the most cost effective means permissible under the governing law. 19. Waiver of subrogation Notwithstanding CONDITION 16, we agree to waive our rights of recovery against any third party if, prior to the claim or incident which you reasonably expected to give rise to a claim, you entered into a contract that contains a provision requiring you to do this. 20. S6hctiohs susoehsioh It is a condition under this Policy that the provision of cover, the payment of any claim and the provision of any benefit will be suspended, to the extent that the provision of the cover, payment of the claim or provision of the benefit would expose us to any sanction, prohibition or restriction under the United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, Canada, the European Union, United Kingdom or United States of America. The suspension will continue until such time we would no longer be exposed to the sanction, prohibition or restriction. 21. Choice of I6w, jurisdiction;Jhd service of suit In the event of a dispute between you and us regarding this Policy, the dispute will be governed by the laws of the State of the United States of America shown as the choice of law CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r cfc 40 stated in the Declarations page. We agree, at your request, to submit to the jurisdiction of a court of competent jurisdiction within the United States of America. Nothing in this Condition constitutes or should be understood to constitute a waiver of our rights to commence an action in any court of competent jurisdiction in the United States of America, to move an action to a United States District Court, or to seek a transfer of a case to another court as permitted by the laws of the United States of America or the laws of any State of the United States of America. It is further agreed that service of process in such suit may be made upon the representative stated in the Declarations page and that in any suit instituted against us, we will abide by the final decision of such court or of any appellate court in the event of an appeal. The representative stated in the Declarations page is authorized and directed to accept service of process on que behalf in any such suit and, at yque request, to give a written undertaking to you that they will enter a general appearance on our behalf in the event such suit is instituted. Additionally, in accordance with the statute of any state, territory or district of the United States which makes such a provision, we hereby designate the Superintendent, Commissioner or Director of Insurance or other officer specified for that purpose in the statute, or his successor or successors in office, as our true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by you arising out of this Policy. The representative stated in the Declarations page is hereby designated as the person to whom the above mentioned officer is authorized to mail such process or a copy thereof. CFC Underwriting Limited is Authorized and Regulated by the Financial Conduct Authority Technology v4.1 ©1999-2024 CFC Underwriting Ltd, All Rights Reserved r cfc Cyber security tools for tech firms We believe that CFC's tech policy should work for you from day one. Take a few minutes to learn about the free cyber security tools that sit seamlessly alongside your policy. Through our award -winning app, Response, you'll get access to a variety of proactive cyber cyber security tools and services including: Real-time threat alerts We proactively monitor our customer base and analyse the latest cyber claims. If we spot a problem specific to your business, we'll reach out to directly via the app with guidance on how to rectify any issues. Phishing simulations Targeting members ofyour team whose credentials are the most vulnerable, these simulations send mock phishing emails in orderto raise awareness of this criminal tactic. Dark web monitoring This tool scours the dark web for information relating toyour business to ensures customers credentials aren't in the wrong hands. Deep scanning This service actively scans the external network footprint to identify potential threats and vulnerabilities within an insureds network. Cybersecurity advice Get in touch with our global cyber security team for expert technical support. Aa, 4 ------------------------------------- Outside of the app, our tech policyholders also benefit from the following: Legal contract publishing tool We have teamed with LawDepot to provide you access to a publishing tool which will empoweryou to generate custom legal documents, contracts and forms. Contract best practices guidebook Our easy -to -read guidance sheet will helpyou , negotiateyourwaythrough the legal minefield of ; contracts in the tech industry. To take advantage of these tools, please email us at techna cfc.com -------------------------------------' POLICY NUMBER: ESN0240136288 THE INSURED: ITI Digital LLC INCEPTION DATE: 03 Nov2024 PT Specialty Jeff Aumick License number A009843 150 S US Highway Suite #3 Jupiter FL33477 For Surplus Lines Taxes filing purposes, stated below is the premium allocated to the insuring clauses purchased and the mix of insurers providing the security. Coverage: Cyber & Privacy, Professional indemnity E&O Premium: U SD4500.00 UMR: B087524C9N5051, of which the insurers are: Lloyd's syndicates: One Lime Street, London EC3M 7HA, UK CFC 1988 33.000000% USD1485.00 CGM 2488 8.000000% USD360.00 MKL3000 7.000000% USD315.00 ASP 4711 7.000000% USD315.00 WSM 1200 5.750000% USD258.75 QPS 5555 4.500000% USD202.50 AFB 5623 4.500000% USD202.50 CSL 1084 3.000000% USD135.00 CBN 4747 2.500000% USD112.50 AWH 2232 2.500000% USD112.50 ARG 2121 1.000000% USD45.00 AES 1225 0.700000% USD31.50 AFB 5623 0.150000% USD6.75 LRE 3010 0.053000% USD2.38 MMX 2010 0.027000% USD1.22 FDY 435 0.025000% USD1.12 HRP 2689 0.020000% USD0.90 Unique Market Reference No. B087524C9N5051, B087524C9N5053 41999-2024 CFC Underwriting Ltd, All Rights Reserved KLN 510 TM K 1880 Other insurers: 0.020000% USDO.90 0.005000% USDO.23 Zurich Insurance Company Ltd 12.000000% HDI Global Specialty SE (UK Branch) 4.000000% AXA XL Insurance Company UK Limited 3.000000% Everest Insurance (Ireland) 1.250000% DAC USD540.00 70 Mark Lane, London, EC3R 7NQ, GB USD180.00 20 Gracechurch Street, London, EC3V OBG, GB USD135.00 20 Gracechurch St, London, EC3V OBG, GB USD56.25 3rd Floor, Huguenot House, 35-38 St. Stephen's Green, Dublin, D02 NY63, IE Coverage: commercial general liability Premium: USD1210.00 UMR: B087524C9N5053, of which the insurers are: Lloyd's syndicates: One Lime Street, London EC3M 7HA, UK CFC 1988 26.500000% USD320.65 RNR 1458 8.000000% USD96.80 CGM 2488 8.000000% USD96.80 WSM 1200 7.500000% USD90.75 ASP 4711 7.000000% USD84.70 QPS 5555 6.750000% USD81.68 EVE 2786 6.000000% USD72.60 AXL 2003 5.000000% USD60.50 MKL3000 4.000000% USD48.40 CSL 1084 2.750000% USD33.28 CBN 4747 2.000000% USD24.19 Other insurers: Zurich Insurance Company 16.500000% USD199.65 70 Mark Lane, London, EC3R 7NQ, GB Ltd Unique Market Reference No. B087524C9N5051, B087524C9N5053 41999-2024 CFC Underwriting Ltd, All Rights Reserved SEQUOIA INSURANCE COMPANY 17771 Cowan A venue Suite 100 /wine, CA 92614 WORKERS' COMPENSATION and EMPLOYERS' LIABILITY INSURANCE POLICY In Witness Whereof, we have caused this policy to be executed and attested, and, if required by state law, this policy shall not be valid unless countersigned by our authorized representative. Stephen Ungar, Secretary Barry Dov Zyskind, President To obtain information, please contact your agent or Sequoia Insurance Company at 877- 528-7878. You may also write Sequoia Insurance Company Consumer Relations at: 800 Superior Avenue East, 21st Floor Cleveland, OH 44114 WC990000A 24/7 Toll Free Claim Reporting for All States (888)239-3909 WorkersCompClaimReportl@AmTrustgroup.com Information Required forAll Claims Reported www.amtrustfinancia[.com EE 1. Name of the insured and policy number 4. Description of accident or incident `� — 2. Name and contact information of injured worker 5. Name, phone, and/or email of person making the report V — 3. Date, time and place of accident 6. Any information on the injured workers lost time Early claim reporting is essential to a better claim outcome. Don't delay reporting if you do not have all the details. How do I help my injured worker find a doctor? • We offer an online physician search for all states, www.talispoint.com/amtrust/external • For California,www-lv.ta[ispoint.com/amtrust/campnn • For CO, GA, PA & TN, please refer to the panel provided by AmTrust via mail or email 9 How does my injured employee receive prescription medications related to the accident/injury? • Refer to the claims kitforyourstateatwww.ta[ispoint.com/amtrust/external for a First Fill card for your injured employee to use at the pharmacy to cover the cost of approved medication. 877.528.7878 1 www.amtrustfinancial.com This material is for informational purposes only and is not legal or business advice. NeitherAmTrust Financial Services, Inc. nor any of its subsidiaries or affiliates represents or warrants that the information contained herein is appropriate or suitable for any specific business or legal purpose. Readers seeking resolution of specific questions should consuItthe! r business and/or legal advisors. Coverages mayvary by location. Contact your local RSM for more information. F� AmTrust I N S U R A N C F MKT6310 06/23 © 2023, AmTrust Financial Services, Inc. Thank you for placing your Workers' Compensation Coverage with AmTrust. For your convenience, we now offer electronic versions of our Claims Kits. Please see the instructions and FAQs below for more information. Where's my claims kit? All the States' Claims Kits are online for insured to download which contains all the necessary WC notices. Visit the Talispoint Direct Link gFil at www.talispoint.com/amtrust/external[ • Click State Rules/Kits, choose corresponding state and open the PDF link to view and print. I have an injured worker, how do I find a doctor? We will provide completed Panel of Physicians for the 4 states that require a panel to be posted (CO,GA, PA & TN). We offer our online physician search forall other states. There are 3 ways to access this information: 1. Visit the Talispoint Direct Link at www.to[ispoint.com/amtrust/externa[ 2. California MPN: www.talispoint.com/amtrust/camp 3. Visit the AmTrust Financial Website at www.amtrustfinancial.com • Click Claims • Click Provider Directory or California MPN under"Find a Provider" • State specific laws for directing medical treatment are listed on the State Rules Tab • Search for physicians by Name, Address or Region Where are my posting notices? F-CO All states claim kits are available online, including applicable postings. There are 4 states (CO, CT, FL & MD) we cannot place online. For these states, we will mail additional posting notices to the main address on the policy. I have a question about my claims kit, posting notice, panel or accessing the website's physician searches, who do I contact? You may send an email to clientservices(@amtrustgroup.com. Please make sure to include your policy number along with your request. I have a question about a claim or injured worker, who do I contact? 111 Customer Service can direct you to the appropriate person. Please contact them at 888-239-3909. FA AmTrust 59 Maiden Lane, New York, NY10038 1 877.528.7878 1 www.amtrustfinancial.com F I N A N C I A L AmTrustlsAmTrust Financial Services, Inc., located at59 Maiden Lane, New York, NY 10038. Coverages are provided by its affiliated property and casualty insurance companies. Consult the applicable policy for specific terms, conditions, Ilmits and exclusions to coverage. For full legal disclaimer!nformation, including Texas and Wash! ngton writing companies, visit: www.amtrustfinancial.com/about-us/legal-disclaimer. M KT5948 02/22 © 2022, AmTrust Fin anclaI Services, Inc. ft AmTrust North America An AmTrust Financial Company October 31, 2024 Dear Policyholder, In an effort to continue to provide AmTrust customers with a variety of billing options, we have updated our fee structure to help customers meet payment due dates, ensure that valid and properly funded payments are submitted, and provide an incentive for paid -in -full options. Our updated fee structure is as follows: Fee Title Fee Amount Description Returned Payment Fee $25 A returned payment fee applied to any returned payment. Late Fee $20 Late fee applied if payment not received on or before payment due date. Installment Fee $15 A "paper" billing fee that is assessed for each mailed installment invoice. Excludes down payment and annual payment plans. Fee is billed at the account level. Reinstatement Fee $50 Fee applied upon reinstatement of a non-payment cancellation. EFT Fee $3 An "electronic" billing fee that is assessed for each ACH Direct Debit transaction. Fee is billed at the account level. *Fee amount may vary by state and program of business For policyholders who choose to pay their annual premium on installments, we plan to implement an installment fee, which will be displayed on your renewal invoice. Thank you for your attention to this fee structure change. If you have any questions, feel free to contact our Customer Service Department at 877.528.7878. We value you as a policyholder and appreciate the opportunity to serve you. Sincerely, AmTrust North America Customer Service Department 800 Superior Avenue E • 21st Floor • Cleveland, OH 44114 (p) 866.203.3037 • (� 800.487.9654 • www.amtrustnorthamerica.com Sequoia Insurance Company A Stock Insurance Company WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY Ncci Code: 19755 Insured: ITI DIGITAL, LLC 130 Riviera Dunes Way #302 Palmetto, FL 34221 Other workplaces not shown above: See Extension of Information Page Producer: Morris & Templeton Insurance Agency P. O. Box 15088 Savannah, GA 31416 WC 99 00 01 B 1 of 5 INFORMATION PAGE Policy Number: QWC1409654 _Individual _Partnership Corporation or X LLC Federal Tax ID: 311476976 Risk Id: Renewal of: QWC1323854 2. The policy period is from 12/30/2024 to 12/30/2025 12:01 a.m. at the insured's mailing address. 3. A. Workers Compensation Insurance: Part One of the policy applies to the Workers Compensation Law of the states listed here: Alabama, Georgia, Kentucky, Virginia B. Employers Liability Insurance: Part Two of the policy applies to work in each state listed in item 3.A. The limits of our liability under Part Two are: State Bodily Injury by Accident Bodily Injury by Disease Bodily Injury by Disease $500,000 each accident $500,000 policy limit $500,000 each employee C. Other States Insurance: Part Three of the policy applies to the states, if any, listed here: All states except ND, OH, WA, WY and State(s) Designated in Item 3.A D. This policy includes these endorsements and schedules: See Extension of Information Page 4. The premium for this policy will be determined by our Manuals of Rules, Classifications, Rates and Rating Plans. All information required below is subject to verification and change by audit. See Extension of Information Page TOTAL ESTIMATED ANNUAL PREMIUM 795 STATE ASSESSMENT 17 TOTAL ESTIMATED COST 812 Minimum Premium 500 Deposit Premium 812 Issue Date: 10/31/2024 Countersigned by: Authorized Representative Kentucky Premium Surcharge - Total Estimated Cost includes a surcharge as required by KRS 136.392 Sequoia Insurance Company WC 99 00 01 B 2 of 5 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY INFORMATION PAGE Insured: ITI DIGITAL, LLC Policy Number: QWC1409654 NAMED INSURED WORKPLACES: EXTENSION OF INFORMATION PAGE FOR ITEM #1 ITEM 1: NAMED INSURED and WORKPLACES ITI DIGITAL, LLC Location Number 1. 2 E Bryan St Savannah, GA 31401 Location Number 3. 3800 Barnard Dr Lexington, KY 40509 Fein: 311476976 Location Number 2. 7495 Pin Oak Circle Bristol, VA 24202 Location Number 4. 100 Du Rhu Dr Mobile, AL 36608 Sequoia Insurance Company WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY Insured: ITI DIGITAL, LLC EXTENSION OF INFORMATION PAGE FOR ITEM #3.13 ITEM 3.13: ENDORSEMENT SCHEDULE WC 99 00 01 B 3 of 5 INFORMATION PAGE Policy Number: QWC1409654 State Form Number Description WC990001 B DECLARATIONS PAGE WC000000C WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC000404 PENDING RATE CHANGE ENDORSEMENT WC000406 PREMIUM DISCOUNT ENDORSEMENT WC000414A NOTIFICATION OF CHANGE IN OWNERSHIP ENDORSEMENT WC000419A PREMIUM DUE DATE ENDORSEMENT WC000421 F CATASTROPHE (OTHER THAN CERTIFIED ACTS OF TERRORISM) PREMIUM ENDORSEMENT WC000422C TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT WC000424 AUDIT NONCOMPLIANCE CHARGE ENDORSEMENT GA WC100601C GEORGIA CANCELLATION, NONRENEWAL, AND CHANGE ENDORSEMENT KY WC160305 KENTUCKY PART ONE WORKERS COMPENSATION INSURANCE ENDORSEMENT KY WC160601 KENTUCKY CANCELATION AND NONRENEWAL ENDORSEMENT KY WC160602 KENTUCKY NOTICE OF APPEAL RIGHTS ENDORSEMENT VA WC450602 VIRGINIA AMENDATORY ENDORSEMENT Sequoia Insurance Company WC 99 00 01 B 4 of 5 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY INFORMATION PAGE Insured: ITI DIGITAL, LLC Policy Number: QWC1409654 EXTENSION OF INFORMATION PAGE FOR ITEM #4 ITEM 4: SCHEDULE OF PREMIUMS # of Classifications Emps Code No. Premium Basis Total Estimated Annual Remuneration Rate Per $100 of Remun. Estimated Annual Premium Alabama Salespersons, Collectors or Messengers —Outside 0 8742 41,200 0.15 62 Manual Premium 62 Total Manual Premium 62 Premium for Increased Limits Part Two: 1.1% (500/500/500) 9807 1 Premium to Equal Increased Limits Minimum Charge 9848 99 Total Premium Subject To Experience Modification 162 Experience Modification (N/A) 9898 162 Terrorism 0.5% 9740 2 Catastrophe (other than Terrorism) 1 % 9741 4 Minimum Premium Adjustment 0990 0 Expense Constant 0900 0 Total AL Premium 168 Total AL Cost 168 Georgia Salespersons, Collectors or Messengers —Outside 0 8742 97,850 0.15 147 Computer System Designers or Programmers: Traveling 2 8803 0.03 Computer System Designers or Programmers: Exclusively Office 2 8810 150,414 0.08 120 Manual Premium 267 Total Manual Premium 267 Premium for Increased Limits Part Two: 0.8% (500/500/500) 9807 0 Total Premium Subject To Experience Modification 267 Experience Modification (N/A) 9898 267 Terrorism 0.6% 9740 15 Catastrophe (other than Terrorism) 1 % 9741 25 Minimum Premium Adjustment 0990 0 Expense Constant 0900 0 Total GA Premium 307 Total GA Cost 307 Kentucky Salespersons, Collectors or Messengers —Outside 1 8742 Manual Premium Total Manual Premium Premium for Increased Limits Part Two: 0.8% (500/500/500) 9807 Total Premium Subject To Experience Modification Experience Modification (N/A) 9898 Terrorism 0.6% 9740 Catastrophe (other than Terrorism) 1 % 9741 Minimum Premium Adjustment 0990 Expense Constant 0900 Total KY Premium All Employers Special Fund Assessment 6.53% 9999 Total KY Cost 37,874 0.14 53 53 53 0 53 53 2 4 0 200 259 17 276 Virginia Salespersons, Collectors or Messengers —Outside 1 8742 Manual Premium Total Manual Premium Premium for Increased Limits Part Two: 0.8% (500/500/500) 9807 Total Premium Subject To Experience Modification Experience Modification (N/A) 9898 Terrorism 1 % 9740 Catastrophe 0% 9741 Minimum Premium Adjustment 0990 Expense Constant 0900 Total VA Premium Total VA Cost TOTAL ESTIMATED ANNUAL PREMIUM STATE ASSESSMENT 66,950 0.08 54 54 54 0 54 54 7 0 0 0 61 61 795 17 TOTAL COST 812 Sequoia Insurance Company WC 99 00 01 B 5 of 5 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY INFORMATION PAGE Insured: ITI DIGITAL, LLC Policy Number: QWC1409654 PAYMENT SCHEDULE Statement Payment Closing Date Due Date Description Amount Due 12/30/2024 Annual Premium Due $812.00 Total Cost $812.00 Printed: 10/31 /2024 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 00 00 C (Ed. 1-15) WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY In return for the payment of the premium and subject to all terms of this policy, we agree with you as follows: GENERAL SECTION A. The Policy This policy includes at its effective date the Infor- mation Page and all endorsements and schedules listed there. It is a contract of insurance between you (the employer named in Item 1 of the Infor- mation Page) and us (the insurer named on the In- formation Page). The only agreements relating to this insurance are stated in this policy. The terms of this policy may not be changed or waived except by endorsement issued by us to be part of this policy. B. Who is Insured You are insured if you are an employer named in Item 1 of the Information Page. If that employer is a partnership, and if you are one of its partners, you are insured, but only in your capacity as an em- ployer of the partnership's employees. C. Workers Compensation Law Workers Compensation Law means the workers or workmen's compensation law and occupational disease law of each state or territory named in Item 3.A. of the Information Page. It includes any amendments to that law which are in effect during the policy period. It does not include any federal workers or workmen's compensation law, any fed- eral occupational disease law or the provisions of any law that provide nonoccupational disability benefits. D. State State means any state of the United States of America, and the District of Columbia. E. Locations This policy covers all of your workplaces listed in Items 1 or 4 of the Information Page; and it covers all other workplaces in Item 3.A. states unless you have other insurance or are self -insured for such workplaces. PART ONE WORKERS COMPENSATION INSURANCE A. How This Insurance Applies This workers compensation insurance applies to bodily injury by accident or bodily injury by disease. Bodily injury includes resulting death. 1. Bodily injury by accident must occur during the policy period. 2. Bodily injury by disease must be caused or ag- gravated by the conditions of your employment. The employee's last day of last exposure to the conditions causing or aggravating such bodily in- jury by disease must occur during the policy period. B. We Will Pay We will pay promptly when due the benefits required of you by the workers compensation law. C. We Will Defend We have the right and duty to defend at our expense any claim, proceeding or suit against you for benefits payable by this insurance. We have the right to in- vestigate and settle these claims, proceedings or suits. We have no duty to defend a claim, proceeding or suit that is not covered by this insurance. D. We Will Also Pay We will also pay these costs, in addition to other amounts payable under this insurance, as part of any claim, proceeding or suit we defend: 1. reasonable expenses incurred at our request, but not loss of earnings; 2. premiums for bonds to release attachments and for appeal bonds in bond amounts up to the amount payable under this insurance; 3. litigation costs taxed against you; 4. interest on a judgment as required by law until we offer the amount due under this insurance; and 5. expenses we incur. E. Other Insurance We will not pay more than our share of benefits and costs covered by this insurance and other 1 of 6 0 Copyright 2013 National Council on Compensation Insurance, Inc. All Rights Reserved. WC 00 00 00 C (Ed. 1-15) WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY insurance or self-insurance. Subject to any limits of liability that may apply, all shares will be equal until the loss is paid. If any insurance or self-insurance is exhausted, the shares of all remaining insurance will be equal until the loss is paid. F. Payments You Must Make You are responsible for any payments in excess of the benefits regularly provided by the workers compensation law including those required because: 1. of your serious and willful misconduct; 2. you knowingly employ an employee in violation of law; 3. you fail to comply with a health or safety law or regulation; or 4. you discharge, coerce or otherwise discriminate against any employee in violation of the workers compensation law. If we make any payments in excess of the benefits regularly provided by the workers compensation law on your behalf, you will reimburse us promptly. G. Recovery From Others We have your rights, and the rights of persons enti- tled to the benefits of this insurance, to recover our payments from anyone liable for the injury. You will do everything necessary to protect those rights for us and to help us enforce them. H. Statutory Provisions These statements apply where they are required by law. 1. As between an injured worker and us, we have notice of the injury when you have notice. 2. Your default or the bankruptcy or insolvency of you or your estate will not relieve us of our du- ties under this insurance after an injury occurs. 3. We are directly and primarily liable to any per- son entitled to the benefits payable by this in- surance. Those persons may enforce our duties; so may an agency authorized by law. Enforce- ment may be against us or against you and us. 4. Jurisdiction over you is jurisdiction over us for purposes of the workers compensation law. We are bound by decisions against you under that law, subject to the provisions of this policy that are not in conflict with that law. 5. This insurance conforms to the parts of the workers compensation law that apply to: a. benefits payable by this insurance; b. special taxes, payments into security or oth- er special funds, and assessments payable by us under that law. 6. Terms of this insurance that conflict with the workers compensation law are changed by this statement to conform to that law. Nothing in these paragraphs relieves you of your du- ties under this policy. PART TWO EMPLOYERS LIABILITY INSURANCE A. How This Insurance Applies This employers liability insurance applies to bodily injury by accident or bodily injury by disease. Bodily injury includes resulting death. 1. The bodily injury must arise out of and in the course of the injured employee's employment by you. 2. The employment must be necessary or inci- dental to your work in a state or territory listed in Item 3.A. of the Information Page. 3. Bodily injury by accident must occur during the policy period. 4. Bodily injury by disease must be caused or ag- gravated by the conditions of your employment. The employee's last day of last exposure to the conditions causing or aggravating such bodily in- jury by disease must occur during the policy period. 5. If you are sued, the original suit and any related legal actions for damages for bodily injury by ac- cident or by disease must be brought in the United States of America, its territories or pos- sessions, or Canada. B. We Will Pay We will pay all sums that you legally must pay as damages because of bodily injury to your employ- ees, provided the bodily injury is covered by this Employers Liability Insurance. The damages we will pay, where recovery is permit- ted by law, include damages: 1. For which you are liable to a third party by rea- son of a claim or suit against you by that third party to recover the damages claimed against 2 of 6 © Copyright 2013 National Council on Compensation Insurance, Inc. All Rights Reserved. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 00 00 C (Ed. 1-15) such third party as a result of injury to your em- ployee; 2. For care and loss of services; and 3. For consequential bodily injury to a spouse, child, parent, brother or sister of the injured em- ployee; provided that these damages are the di- rect consequence of bodily injury that arises out of and in the course of the injured employee's employment by you; and 4. Because of bodily injury to your employee that arises out of and in the course of employment, claimed against you in a capacity other than as employer. C. Exclusions This insurance does not cover: 1. Liability assumed under a contract. This exclu- sion does not apply to a warranty that your work will be done in a workmanlike manner; 2. Punitive or exemplary damages because of bodi- ly injury to an employee employed in violation of law; 3. Bodily injury to an employee while employed in violation of law with your actual knowledge or the actual knowledge of any of your executive offic- ers; 4. Any obligation imposed by a workers compensa- tion, occupational disease, unemployment com- pensation, or disability benefits law, or any simi- lar law; 5. Bodily injury intentionally caused or aggravated by you; 6. Bodily injury occurring outside the United States of America, its territories or possessions, and Canada. This exclusion does not apply to bodily injury to a citizen or resident of the United States of America or Canada who is temporarily outside these countries; 7. Damages arising out of coercion, criticism, de- motion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimina- tion against or termination of any employee, or any personnel practices, policies, acts or omis- sions; 8. Bodily injury to any person in work subject to the Longshore and Harbor Workers' Compensation Act (33 U.S.C. Sections 901 et seq.), the Nonap- propriated Fund Instrumentalities Act (5 U.S.C. Sections 8171 et seq.), the Outer Continental Shelf Lands Act (43 U.S.C. Sections 1331 et seq.), the Defense Base Act (42 U.S.C. Sections 1651-1654), the Federal Mine Safety and Health Act (30 U.S.C. Sections 801 et seq. and 901- 944), any other federal workers or workmen's compensation law or other federal occupational disease law, or any amendments to these laws; 3 of 6 9. Bodily injury to any person in work subject to the Federal Employers' Liability Act (45 U.S.C. Sec- tions 51 et seq.), any other federal laws obligat- ing an employer to pay damages to an employee due to bodily injury arising out of or in the course of employment, or any amendments to those laws; 10.Bodily injury to a master or member of the crew of any vessel, and does not cover punitive dam- ages related to your duty or obligation to provide transportation, wages, maintenance, and cure under any applicable maritime law; 11.Fines or penalties imposed for violation of federal or state law; and 12.Damages payable under the Migrant and Sea- sonal Agricultural Worker Protection Act (29 U.S.C. Sections 1801 et seq.) and under any other federal law awarding damages for violation of those laws or regulations issued thereunder, and any amendments to those laws. D. We Will Defend We have the right and duty to defend, at our ex- pense, any claim, proceeding or suit against you for damages payable by this insurance. We have the right to investigate and settle these claims, proceed- ings and suits. We have no duty to defend a claim, proceeding or suit that is not covered by this insurance. We have no duty to defend or continue defending after we have paid our applicable limit of liability under this insurance. E. We Will Also Pay We will also pay these costs, in addition to other amounts payable under this insurance, as part of any claim, proceeding, or suit we defend: 1. Reasonable expenses incurred at our request, but not loss of earnings; 2. Premiums for bonds to release attachments and for appeal bonds in bond amounts up to the limit of our liability under this insurance; 3. Litigation costs taxed against you; 4. Interest on a judgment as required by law until we offer the amount due under this insurance; and 5. Expenses we incur. © Copyright 2013 National Council on Compensation Insurance, Inc. All Rights Reserved. WC000000C (Ed. 1-15) WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY F. Other Insurance We will not pay more than our share of damages and costs covered by this insurance and other in- surance or self-insurance. Subject to any limits of li- ability that apply, all shares will be equal until the loss is paid. If any insurance or self-insurance is ex- hausted, the shares of all remaining insurance and self-insurance will be equal until the loss is paid. G. Limits of Liability Our liability to pay for damages is limited. Our limits of liability are shown in Item 3.B. of the Information Page. They apply as explained below. 1. Bodily Injury by Accident. The limit shown for "bodily injury by accident —each accident" is the most we will pay for all damages covered by this insurance because of bodily injury to one or more employees in any one accident. A disease is not bodily injury by accident unless it results directly from bodily injury by accident. 2. Bodily Injury by Disease. The limit shown for "bodily injury by disease —policy limit" is the most we will pay for all damages covered by this insurance and arising out of bodily injury by dis- ease, regardless of the number of employees who sustain bodily injury by disease. The limit shown for "bodily injury by disease —each em- ployee" is the most we will pay for all damages because of bodily injury by disease to any one employee. Bodily injury by disease does not include dis- ease that results directly from a bodily injury by accident. 3. We will not pay any claims for damages after we have paid the applicable limit of our liability un- der this insurance. H. Recovery From Others We have your rights to recover our payment from anyone liable for an injury covered by this insurance You will do everything necessary to protect those rights for us and to help us enforce them. I. Actions Against Us There will be no right of action against us under this insurance unless: 1. You have complied with all the terms of this poli- cy; and 2. The amount you owe has been determined with our consent or by actual trial and final judgment. This insurance does not give anyone the right to add us as a defendant in an action against you to deter- mine your liability. The bankruptcy or insolvency of you or your estate will not relieve us of our obliga- tions under this Part. PART THREE OTHER STATES INSURANCE A. How This Insurance Applies 1. This other states insurance applies only if one or more states are shown in Item 3.C. of the Infor- mation Page. 2. If you begin work in any one of those states after the effective date of this policy and are not in- sured or are not self -insured for such work, all provisions of the policy will apply as though that state were listed in Item 3.A. of the Information Page. 3. We will reimburse you for the benefits required by the workers compensation law of that state if we are not permitted to pay the benefits directly to persons entitled to them. 4. If you have work on the effective date of this pol- icy in any state not listed in Item 3.A. of the In- formation Page, coverage will not be afforded for that state unless we are notified within thirty days. B. Notice Tell us at once if you begin work in any state listed in Item 3.C. of the Information Page. PART FOUR YOUR DUTIES IF INJURY OCCURS Tell us at once if injury occurs that may be covered by this policy. Your other duties are listed here. 1. Provide for immediate medical and other ser- vices required by the workers compensation law. 2. Give us or our agent the names and addresses of the injured persons and of witnesses, and other information we may need. 3. Promptly give us all notices, demands and legal 4of6 © Copyright 2013 National Council on Compensation Insurance, Inc. All Rights Reserved. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 00 00 C (Ed. 1-15) papers related to the injury, claim, proceeding or suit. 4. Cooperate with us and assist us, as we may re- quest, in the investigation, settlement or defense of any claim, proceeding or suit. 5. Do nothing after an injury occurs that would in- terfere with our right to recover from others. 6. Do not voluntarily make payments, assume obli- gations or incur expenses, except at your own cost. PART FIVE PREMIUM A. Our Manuals All premium for this policy will be determined by our manuals of rules, rates, rating plans and classifica- tions. We may change our manuals and apply the changes to this policy if authorized by law or a gov- ernmental agency regulating this insurance. B. Classifications Item 4 of the Information Page shows the rate and premium basis for certain business or work classifi- cations. These classifications were assigned based on an estimate of the exposures you would have during the policy period. If your actual exposures are not properly described by those classifications, we will assign proper classifications, rates and premium basis by endorsement to this policy. C. Remuneration Premium for each work classification is determined by multiplying a rate times a premium basis. Remu- neration is the most common premium basis. This premium basis includes payroll and all other remu- neration paid or payable during the policy period for the services of: 1. all your officers and employees engaged in work covered by this policy; and 2. all other persons engaged in work that could make us liable under Part One (Workers Com- pensation Insurance) of this policy. If you do not have payroll records for these persons, the con- tract price for their services and materials may be used as the premium basis. This paragraph 2 will not apply if you give us proof that the em- ployers of these persons lawfully secured their workers compensation obligations. D. Premium Payments You will pay all premium when due. You will pay the premium even if part or all of a workers compensa- tion law is not valid. E. Final Premium The premium shown on the Information Page, schedules, and endorsements is an estimate. The final premium will be determined after this policy ends by using the actual, not the estimated, premi- um basis and the proper classifications and rates that lawfully apply to the business and work covered by this policy. If the final premium is more than the premium you paid to us, you must pay us the bal- ance. If it is less, we will refund the balance to you. The final premium will not be less than the highest minimum premium for the classifications covered by this policy. If this policy is canceled, final premium will be de- termined in the following way unless our manuals provide otherwise: 1. If we cancel, final premium will be calculated pro rata based on the time this policy was in force. Final premium will not be less than the pro rata share of the minimum premium. 2. If you cancel, final premium will be more than pro rata; it will be based on the time this policy was in force, and increased by our short -rate cancelation table and procedure. Final premium will not be less than the minimum premium. F. Records You will keep records of information needed to com- pute premium. You will provide us with copies of those records when we ask for them. G. Audit You will let us examine and audit all your records that relate to this policy. These records include ledg- ers, journals, registers, vouchers, contracts, tax re- ports, payroll and disbursement records, and pro- grams for storing and retrieving data. We may con- duct the audits during regular business hours during the policy period and within three years after the pol- icy period ends. Information developed by audit will be used to determine final premium. Insurance rate service organizations have the same rights we have under this provision. 5 of 6 0 Copyright 2013 National Council on Compensation Insurance, Inc. All Rights Reserved. WC000000C (Ed. 1-15) WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY A. Inspection PART SIX CONDITIONS We have the right, but are not obliged to inspect your workplaces at any time. Our inspections are not safety inspections. They relate only to the insurabil- ity of the workplaces and the premiums to be charged. We may give you reports on the conditions we find. We may also recommend changes. While they may help reduce losses, we do not undertake to perform the duty of any person to provide for the health or safety of your employees or the public. We do not warrant that your workplaces are safe or healthful or that they comply with laws, regulations, codes or standards. Insurance rate service organiza- tions have the same rights we have under this provision. B. Long Term Policy If the policy period is longer than one year and six- teen days, all provisions of this policy will apply as though a new policy were issued on each annual anniversary that this policy is in force. C. Transfer of Your Rights and Duties Your rights or duties under this policy may not be transferred without our written consent. If you die and we receive notice within thirty days af- ter your death, we will cover your legal representa- tive as insured. D. Cancelation 1. You may cancel this policy. You must mail or de- liver advance written notice to us stating when the cancelation is to take effect. 2. We may cancel this policy. We must mail or de- liver to you not less than ten days advance writ- ten notice stating when the cancelation is to take effect. Mailing that notice to you at your mailing address shown in Item 1 of the Information Page will be sufficient to prove notice. 3. The policy period will end on the day and hour stated in the cancelation notice. 4. Any of these provisions that conflict with a law that controls the cancelation of the insurance in this policy is changed by this statement to com- ply with the law. E. Sole Representative The insured first named in Item 1 of the Information Page will act on behalf of all insureds to change this policy, receive return premium, and give or receive notice of cancelation. 6 of 6 0 Copyright 2013 National Council on Compensation Insurance, Inc. All Rights Reserved. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY PENDING RATE CHANGE ENDORSEMENT WC 00 04 04 (Ed. 04-84) A rate change filing is being considered by the proper regulatory authority. The filing may result in rates different from the rates shown on the policy. If it does, we will issue an endorsement to show the new rates and their effective date. If only one state is shown in Item 3.A. of the Information Page, this endorsement applies to that state. If more than one state is shown there, this endorsement applies only in the state shown in the Schedule. Schedule State AL GA KY VA This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 12/30/2024 Policy No. QWC1409654 Endorsement No. 0 Insured ITI DIGITAL, LLC Premium $ 795 Insurance Company Sequoia Insurance Company Countersigned by WC 00 04 04 (Ed. 04-84) WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 04 06 (Ed. 8-84) PREMIUM DISCOUNT ENDORSEMENT The premium for this policy and the policies, if any, listed in Item 3 of the Schedule may be eligible for a discount. This endorsement shows your estimated discount in Items 1 or 2 of the Schedule. The final calculation of premium discount will be determined by our manuals and your premium basis as determined by audit. Premium subject to retrospective rating is not subject to premium discount. Schedule 1. State Estimated Eligible Premium First Next Next $5,000 $100,000 $500,000 Balance Alabama 0% 10.9% 12.6% 14.4% $5,000 $100,000 $500,000 Balance Georgia 0% 10.9% 12.6% 14.4% $5,000 $100,000 $500,000 Balance Kentucky 0% 10.9% 12.6% 14.4% $5,000 $100,000 $500,000 Balance Virginia 0% 10.9% 12.6% 14.4% 2. Average Percentage Discount: 0% 3. Other policies: 4. If there are no entries in Items 1, 2 and 3 of the Schedule, see the Premium Discount Endorsement attached to your policy number: This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 12/30/2024 Policy No. QWC1409654 Endorsement No. 0 Insured ITI DIGITAL, LLC Premium $ 795 Insurance Company Sequoia Insurance Company Countersigned by WC 00 04 06 (Ed. 8-84) WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC000414A (Ed. 01-19) 90-DAY REPORTING REQUIREMENT —NOTIFICATION OF CHANGE IN OWNERSHIP ENDORSEMENT You must report any change in ownership to us in writing within 90 days of the date of the change. Change in ownership includes sales, purchases, other transfers, mergers, consolidations, dissolutions, formations of a new entity, and other changes provided for in the applicable experience rating plan. Experience rating is mandatory for all eligible insureds. The experience rating modification factor, if any, applicable to this policy, may change if there is a change in your ownership or in that of one or more of the entities eligible to be combined with you for experience rating purposes. Failure to report any change in ownership, regardless of whether the change is reported within 90 days of such change, may result in revision of the experience rating modification factor used to determine your premium. This reporting requirement applies regardless of whether an experience rating modification is currently applicable to this policy. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 12/30/2024 Policy No. QWC1409654 Endorsement No. 0 Insured ITI DIGITAL, LLC Premium $ 795 Insurance Company Sequoia Insurance Company Countersigned by WC 00 04 14 A (Ed. 01-19) © Copyright 2017 National Council on Compensation Insurance, Inc. All Rights Reserved. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 04 19 A (Ed. 08-2022) Part Five -Premium Amendatory Endorsement This endorsement amends Part Five -Premium of the policy as follows: Part Five -Premium, Section A. (Our Manuals) is replaced by the following provision: A. Our Manuals All premium for this policy will be determined by our manuals of rules, rates and loss costs (as applicable), rating plans, forms, endorsements, and classifications, and such manuals are expressly incorporated by reference into, and apply to, this policy and any renewals (our manuals). As used in this policy and any renewals, our manuals means manuals that have been: 1.Developed in any format and filed by the state -designated workers compensation rating or advisory organization on our behalf with the appropriate state insurance regulatory authority; or 2.Developed in any format and filed by the respective state rating bureau on our behalf with the appropriate state insurance regulatory authority; or 3.Developed in any format and filed by us with the appropriate state insurance regulatory authority; and 4. For each or any of the three scenarios above, the manuals also must be approved for use by the appropriate state insurance regulatory authority, or as otherwise authorized by law as applicable. We may change our manuals and apply the changes to this policy and any renewals if such manual changes are approved for use by the appropriate state insurance regulatory authority, or as otherwise authorized by law as applicable. Part Five -Premium, Section D. (Premium Payments) is replaced by the following provision: D. Premium Payments You will pay all premium when due. You will pay the premium even if part or all of a workers compensation law is not valid. The due date for audit and retrospective premiums is the due date specified in the billing for the policy. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 12/30/2024 Policy No. QWC1409654 Endorsement No. 0 Insured ITI DIGITAL, LLC Premium $ 795 Insurance Company Sequoia Insurance Company Countersigned by WC 00 04 19 A (Ed. 08-2022) © Copyright 2021 National Council on Compensation Insurance, Inc. All Rights Reserved. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 04 21 F (Ed. 08-2022 Countrywide, Ed. 07-2022 in Texas) Catastrophe (Other Than Certified Acts of Terrorism) Premium Endorsement This endorsement is notification that we are charging premium to cover the losses that may occur in the event of a Catastrophe (Other Than Certified Acts of Terrorism) as that term is defined below. Your policy provides coverage for workers compensation losses caused by a Catastrophe (Other Than Certified Acts of Terrorism). Coverage for such losses is subject to all terms, definitions, exclusions, and conditions in your policy, and any applicable federal and/or state laws, rules, or regulations. This premium charge does not provide funding for Certified Acts of Terrorism contemplated under the Terrorism Risk Insurance Program Reauthorization Act Disclosure Endorsement attached to this policy. For purposes of this endorsement, Catastrophe (Other Than Certified Acts of Terrorism) is defined as: A single event or peril resulting in a group of claims with aggregate workers compensation losses in excess of $50 million. This $50 million threshold applies per occurrence, across all states for which claims arise from a single event or peril. The premium charge for the coverage your policy provides for workers compensation losses caused by a Catastrophe (Other Than Certified Acts of Terrorism) is shown in Item 4 of the Information Page or in the Schedule below. Schedule State Rate Premium AL 0.010 $4.00 GA 0.010 $25.00 KY 0.010 $4.00 This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 12/30/2024 Policy No. QWC1409654 Endorsement No. 0 Insured ITI DIGITAL, LLC Premium $ 795 Insurance Company Sequoia Insurance Company Countersigned by WC 00 04 21 F (Ed. 08-2022 Countrywide, Ed. 07-2022 in Texas) © Copyright 2021 National Council on Compensation Insurance, Inc. All rights reserved. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 04 22 C (Ed. 01-21) TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT This endorsement addresses the requirements of the Terrorism Risk Insurance Act of 2002 as amended and extended by the Terrorism Risk Insurance Program Reauthorization Act of 2019. It serves to notify you of certain limitations under the Act, and that your insurance carrier is charging premium for losses that may occur in the event of an Act of Terrorism. Your policy provides coverage for workers compensation losses caused by Acts of Terrorism, including workers compensation benefit obligations dictated by state law. Coverage for such losses is still subject to all terms, definitions, exclusions, and conditions in your policy, and any applicable federal and/or state laws, rules, or regulations. Definitions The definitions provided in this endorsement are based on and have the same meaning as the definitions in the Act. If words or phrases not defined in this endorsement are defined in the Act, the definitions in the Act will apply. "Act" means the Terrorism Risk Insurance Act of 2002, which took effect on November 26, 2002, and any amendments thereto, including any amendments resulting from the Terrorism Risk Insurance Program Reauthorization Act of 2019. "Act Of Terrorism" means any act that is certified by the Secretary of the Treasury, in consultation with the Secretary of Homeland Security, and the Attorney General of the United States, as meeting all of the following requirements: a. The act is an act of terrorism. b. The act is violent or dangerous to human life, property, or infrastructure. The act resulted in damage within the United States, or outside of the United States in the case of the premises of United c. States missions or certain air carriers or vessels. The act has been committed by an individual or individuals as part of an effort to coerce the civilian population of the United d. States or to influence the policy or affect the conduct of the United States Government by coercion. "Insured Loss" means any loss resulting from an act of terrorism (and, except for Pennsylvania, including an act of war, in the case of workers compensation) that is covered by primary or excess property and casualty insurance issued by an insurer if the loss occurs in the United States or at the premises of United States missions or to certain air carriers or vessels. "Insurer Deductible" means, for the period beginning on January 1, 2021, and ending on December 31, 2027, an amount equal to 20% of our direct earned premiums during the immediately preceding calendar year. Limitation of Liability The Act limits our liability to you under this policy. If aggregate Insured Losses exceed $100,000,000,000 in a calendar year and if we have met our Insurer Deductible, we are not liable for the payment of any portion of the amount of Insured Losses that exceeds $100,000,000,000; and for aggregate Insured Losses up to $100,000,000,000, we will pay only a pro rata share of such Insured Losses as determined by the Secretary of the Treasury. Policyholder Disclosure Notice 1. Insured Losses would be partially reimbursed by the United States Government. If the aggregate industry Insured Losses occurring in any calendar year exceed $200,000,000, the United States Government would pay 80% of our Insured Losses that exceed our Insurer Deductible. 2. Notwithstanding item 1 above, the United States Government will not make any payment under the Act for any portion of Insured Losses that exceed $100,000,000,000. 3. The premium charge for the coverage your policy provides for Insured Losses is included in the amount shown in Item 4 of the Information Page or in the Schedule below. WC 00 04 22 C (Ed. 01-21) © Copyright 2020 National Council on Compensation Insurance, Inc. All Rights Reserved. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 04 22 C (Ed. 01-21) Schedule State Rate Premium AL 0.005 $2.00 GA 0.006 $15.00 KY 0.006 $2.00 VA 0.010 $7.00 This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 12/30/2024 Policy No. QWC1409654 Endorsement No. 0 Insured ITI DIGITAL, LLC Premium $ 795 Insurance Company Sequoia Insurance Company Countersigned by WC 00 04 22 C (Ed. 01-21) © Copyright 2020 National Council on Compensation Insurance, Inc. All Rights Reserved. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 04 24 (Ed. 1-17) /d11C19zNkiwe] LTA l»/_1zN=N:/_ 0M=111:1z191O R-1:1►Vi1:1►II Part Five —Premium, Section G. (Audit) of the Workers Compensation and Employers Liability Insurance Policy is revised by adding the following: If you do not allow us to examine and audit all of your records that relate to this policy, and/or do not provide audit information as requested, we may apply an Audit Noncompliance Charge. The method for determining the Audit Noncompliance Charge by state, where applicable, is shown in the Schedule below. If you allow us to examine and audit all of your records after we have applied an Audit Noncompliance Charge, we will revise your premium in accordance with our manuals and Part 5—Premium, E. (Final Premium) of this policy. Failure to cooperate with this policy provision may result in the cancellation of your insurance coverage, as specified under the policy. Note: For coverage under state -approved workers compensation assigned risk plans, failure to cooperate with this policy provision may affect your eligibility for coverage. Schedule States(s) Estimated Annual Premium Maximum Audit Noncompliance Amount Charge Multiplier AL $162 2X GA $267 2X KY $53 2X VA $54 2X This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 12/30/2024 Policy No. QWC1409654 Endorsement No. 0 Insured ITI DIGITAL, LLC Premium $ 795 Insurance Company Sequoia Insurance Company Countersigned by WC 00 04 24 (Ed. 1-17) © Copyright 2015 National Council on Compensation Insurance, Inc. All Rights Reserved. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 10 06 01 C (Ed. 7-18) GEORGIA CANCELLATION, NONRENEWAL, AND CHANGE ENDORSEMENT This endorsement applies because Georgia is shown in Item 3.A. of the policy Information Page. Part Six —Conditions, Section D. (Cancellation) of the policy is replaced by the following: D. Cancellation, Nonrenewal, and Change You may cancel this policy. You must mail or deliver advance notice to us in writing, or deliver advance notice orally or electronically, stating when the cancellation is to take effect. We may require that you provide written, electronic, or other recorded verification of the request before the cancellation takes effect. The cancellation is subject to the following: a. If only your interest is affected, the effective date of cancellation will be the later of the date we receive notice from you or the date specified in the notice. b. If by statute, regulation, or contract this policy may not be cancelled unless notice is given to a governmental agency or other third party, we will mail or deliver at least 10 days' notice to you and the third party as soon as practical after receiving your request for cancellation. Our notice will state the effective date of cancellation, which will be the later of the following: 1)10 days from the date of mailing or delivering our notice, or 2) The effective date of cancellation stated in your notice to us. 2. We may cancel or nonrenew this policy. We must mail or deliver notice at least 10 days before the effective date of cancellation if this policy has been in effect less than 60 days or if we cancel for nonpayment of premium. If this policy has been in effect 60 or more days and we cancel for a reason other than nonpayment of premium, or if we nonrenew this policy, we must send a notice of cancellation or nonrenewal by certified mail, return receipt requested, to you at your last address of record at least 75 days before the effective date of cancellation or nonrenewal. 3. If we increase current policy premium by more than 15% (other than any increase in premium due to change in risk or exposure, including a change in experience rating modification or resulting from an audit of auditable coverages), we must deliver a notice of our action (including dollar amount of the increase in renewal premium more than 15%) to you, by first class mail, at your last address of record at least 45 days before the expiration date of this policy. 4. If we reduce the policy coverage, we must provide you with written notice at least 45 days before the effective date of the reduction in coverage. The notice will be delivered to you in person or by first class mail to your last address of record. A reduction in coverage made by us includes elimination of coverage, a decrease in scope or less coverage, or the addition of an exclusion. Requests made by you to change, reduce, or eliminate coverage are not considered reductions in coverage. 5. If you fail to submit to, or allow an audit for, the current or most recently expired policy term, we may, after two documented efforts to notify you and your agent of potential cancellation, send via certified mail or statutory overnight delivery, return receipt requested, written notice to you at least 10 days before the effective date of cancellation in lieu of the number of days' notice otherwise required by state law. However, we must not mail a cancellation notice within 20 days of the first documented effort to notify you of potential cancellation. 6. The policy period will end on the day and hour stated in the cancellation notice except as provided for above. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 12/30/2024 Insured ITI DIGITAL, LLC Insurance Company Sequoia Insurance Company WC100601C (Ed. 7-18) Policy No. QWC1409654 Endorsement No. Premium: $795 Countersigned by © Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 16 03 05 (Ed. 6-07) KENTUCKY PART ONE WORKERS COMPENSATION INSURANCE ENDORSEMENT This endorsement modifies the insurance policy to which it is attached and applies to the insurance provided by this policy because Kentucky is shown in Item 3.A. of the Information Page. F. 3. of Part One, Workers Compensation Insurance of the policy is replaced by the following: F. Payments You Must Make 3. you fail to comply with a health or safety law or regulation; provided that, however, we are responsible for payment of any amounts in excess of the benefits regularly provided under the workers compensation law of this state if an accident is caused in any degree by the intentional failure of the employer to comply with any specific statute or lawful administrative regulation made thereunder, communicated to the employer and relative to the installation or maintenance of safety appliances or methods as provided in KRS 342.165(1); or Except for any payments for which we are responsible as provided in Section F.3. above, if we make any payments in excess of the benefits regularly provided by the workers compensation law on your behalf, you will reimburse us promptly. © 2007 National Council on Compensation Insurance, Inc. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 16 06 01 (Ed. 12-97) KENTUCKY CANCELATION AND NONRENEWAL ENDORSEMENT This endorsement applies only to the insurance provided by the policy because Kentucky is shown in Item 3.A. of the Information Page. The Cancelation Condition of the policy is replaced by the following: Cancelation 1. You may cancel this policy. You will deliver or mail advance written notice to us, stating when the cancelation is to take effect. 2. We may cancel this policy. We will deliver or mail to you not less than 75 days advance written notice stating when the cancelation is to take effect and our reason or reasons for cancelation. If we cancel for nonpayment of premium or within 60 days of the date of issuance of the policy, we will deliver or mail this notice not less than 14 days prior to the effective date of cancelation. Proof of mailing of this notice to you at your mailing address shown in Item 1 of the Information Page will be sufficient to prove notice. 3. After coverage has been in effect more than 60 days or after the effective date of a renewal policy, we may not cancel the policy unless cancelation is based on one or more of the following reasons: a. nonpayment of premium; b. discovery of fraud or material misrepresentation made by you or with your knowledge in obtaining the policy, continuing the policy, or presenting a claim under the policy; c. discovery of willful or reckless acts or omissions on your part increasing any hazard originally insured; d. changes in conditions after the effective date of the policy or any renewal substantially increasing any hazard originally insured; e. a violation of any local fire, health, safety, building, or construction regulation or ordinance at any of your covered workplaces substantially increasing any hazard originally insured; f. our involuntary loss of reinsurance for the policy; g. a determination by the commissioner that the continuation of the policy would place us in violation of Kentucky insurance laws. Nonrenewal 1. We may elect not to renew the policy. We will deliver or mail to you not less than 75 days advance written notice stating our intention not to renew and our reason or reasons for nonrenewal. Proof of mailing of this notice to you at your mailing address shown in Item 1 of the Information Page will be sufficient to prove notice. 2. If we fail to provide the notice of nonrenewal as required, the policy will be deemed to be renewed for the ensuing policy period upon payment of the appropriate premium, and coverage will continue until you have accepted replacement coverage with another insurer, until you have agreed to the nonrenewal, or until the policy is canceled. 3. If we have delivered or mailed to you a renewal notice, bill, certificate, or policy not less than 30 days before the end of the current policy period clearly stating the amount and due date of the renewal premium charge, then the policy will terminate on the due date without further notice unless the renewal premium is received by us or our agent on or before the due date. If the policy terminates in this manner, we will deliver or mail to you within 15 days of termination at your mailing address shown in Item 1 of the Information Page a notice that the policy was not renewed and the date on which coverage ceased to exist. Proof of mailing of the renewal premium to us or our agent on or before the due date will constitute a presumption of receipt on or before the due date. 4. If we offer to renew the policy for a premium amount more than 25% greater than the premium amount for the current policy term for like coverage and like risks, we will deliver or mail to you and to your agent not less than 75 days advance written notice of the renewal premium amount. We may at our option, in order to comply with this requirement, extend the period of coverage of the current policy at the expiring premium. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 16 06 02 (Ed. 10-99) This endorsement applies only to the insurance provided by the policy because Kentucky is shown in Item 3.A. of the Information Page. NOTICE OF YOUR RIGHTS If you believe that the rates or the rating system under this policy have been incorrectly or improperly applied, you may request a review of the manner in which the rate or rating system has been applied. You must make your request in writing to us or the National Council on Compensation Insurance, Inc. (NCCI). We or NCCI has thirty (30) days to grant or reject your request for a review and to notify you in writing whether your request has been granted or rejected. If your request is granted, we or NCCI shall conduct the review within ninety (90) days of receiving your request. If your request is rejected or if you are dissatisfied with the results of the review, you may appeal to the commissioner for further review. You must make your appeal within thirty (30) days of receipt of the rejection or of the results of your review. Your appeal is to be sent to: Legal Division Department of Insurance P.O.Box 517 Frankfort, KY 40602 If you believe that the rates or the rating system under this policy have been incorrectly or improperly applied, you may request a review of the manner in which the rate or rating system has been applied. You must make your request in writing to us or the National Council on Compensation Insurance, Inc. (NCCI). We or NCCI has thirty (30) days to grant or reject your request for a review and to notify you in writing whether your request has been granted or rejected. If your request is granted, we or NCCI shall conduct the review within ninety (90) days of receiving your request. If your request is rejected or if you are dissatisfied with the results of the review, you may appeal to the commissioner for further review. You must make your appeal within thirty (30) days of receipt of the rejection or of the results of your review. Your appeal is to be sent to: WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 45 06 02 (Ed. 7-93) VIRGINIA AMENDATORY ENDORSEMENT This endorsement applies only to the Virginia insurance provided by the policy because Virginia is shown in Item 3.A. of the Information Page. For Virginia insurance, Part Six D. (Conditions—Cancelation) is replaced by: 1. You may cancel this policy. You must mail or deliver advance written notice to us. You must provide written notice of your cancelation, including the date of and reasons for the cancelation, to the Workers Compensation Commission. 2. We may cancel this policy. We will provide you with 30 days notice of cancelation. We will provide the Workers Compensation Commission with immediate notice of such cancelation. This provision does not apply if you have obtained other insurance and that insurer has notified the Workers Compensation Commission that it is now providing your insurance. 3. In the event of cancelation by you or us, you must provide 30 days written notice of the cancelation to your covered employees. 4. We may nonrenew your policy. We will provide 30 days notice to you and to the Workers Compensation Commission of our decision to nonrenew. This provision does not apply if you have obtained other insurance and that insurer has notified the Workers Compensation Commission that it is now providing your insurance. 5. If you fail to pay the premium due on this policy, we may cancel the policy by providing 10 days notice to you and to the Workers Compensation Commission. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 12/30/2024 Insured ITI DIGITAL, LLC Insurance Company Sequoia Insurance Company WC 45 06 02 (Ed. 7-93) Policy No.QWC1409654 Countersigned by Endorsement No. Premium $795 © 1993 National Council on Compensation Insurance. Sequoia Insurance Company IMPORTANT NOTICE SMALL DEDUCTIBLE ELECTION FORM POLICY NUMBER POLICY PERIOD QWC1409654 FROM:12/30/2024 TO: 12/30/2025 INSURED ITI DIGITAL, LLC Alabama law permits an employer to purchase workers' compensation insurance with a deductible. The deductible is applicable to medical and indemnity benefits and applies to each claim. The deductibles available are as follows: DEDUCTIBLE AMOUNT EACH CLAIM $100 $200 $300 $400 $500 $1,000 $1,500 $2,000 n $2,500 You are not required to select a deductible. However, if you choose to exercise this option, you may choose only one deductible amount. It is to be understood that we will pay the deductible amount for you and that you must reimburse us for any deductible amounts paid. Non -reimbursement of the deductible(s) will result in cancellation of your policy. Please check the option you have elected and return this form to us as soon as possible. No, I do not want the deductible described in this Notice. nYes, I want the deductible checked above to apply to medical and indemnity benefits under the Alabama Workers' Compensation Law. I understand that the Company shall pay the deductible amount and be reimbursed by the employer shown above. If you fail to respond promptly to the Company, it will be construed to mean you have not elected the small deductible option. If you have any questions, please contact your agent or broker. INSURED'S SIGNATURE AND TITLE DATE Policyholder Notice AL-SDEF 01 (11/03) Sequoia Insurance Company POLICY NUMBER QWC1409654 INSURED ITI DIGITAL, LLC IMPORTANT NOTICE �9►yi/_1IaQ49191091 34=144*011Is] ki1;101N►►i POLICY PERIOD FROM: 12/30/2024 TO: 12/30/2025 Georgia law permits an employer to purchase workers' compensation insurance with a deductible. The deductible is applicable to medical and indemnity benefits and applies to each claim. The deductibles available are as follows: DEDUCTIBLE AMOUNT EACH CLAIM ❑ $100 a $1,000 ❑ $200 $1,500 ❑ $300 $2,000 ❑ $400 $2,500 n $500 You are not required to select a deductible. However, if you choose to exercise this option, you may choose only one deductible amount. It is to be understood that we will pay the deductible amount for you and that you must reimburse us for any deductible amounts paid. Non -reimbursement of the deductible(s) will result in cancellation of your policy. Please check the option you have elected and return this form to us as soon as possible. No, I do not want the deductible described in this Notice. Yes, I want the deductible checked above to apply to medical and indemnity benefits under the Georgia Workers' Compensation Law. I understand that the Company shall pay the deductible amount and be reimbursed by the employer shown above. If you fail to respond promptly to the Company, it will be construed to mean you have not elected the small deductible option. If you have any questions, please contact your agent or broker. INSURED'S SIGNATURE AND TITLE DATE Policyholder Notice GA-SDEF 01 (11/03)