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Insurance Certificates 2022/23 Deckard Technologies Inc (2)
POLICYHOLDER NOTICE - CALIFORNIA Date: 06/02/22 Policy Number: 72 SBA BD5477 Renewal Date: 08/19/22 The Hartford Company: SENTINEL INSURANCE COMPANY, LIMITED Your Hartford Agent: EDGEwoOD PARTNERS INS AGENCY/PHS DECKARD TECHNOLOGIES 1620 5th Ave 400 La Jolla CA 92037 Dear Valued Hartford Customer, THE it HARTFORD (866) 467-8730 Your current policy provided by The Hartford will expire shortly. The purpose of this notice is to advise you of changes to your policy for the upcoming policy term. This is not a bill. You will receive a separate bill for all or part of the premium due for your upcoming policy. A. Policy Premium () Premium Change: The premium for your upcoming policy term will increase more than 25% from that charged on your current policy. This increase is based on the underwriting information that we currently have on file and may be subject to change based on additional information that may be developed during the underwriting process. If you desire additional information regarding your premium determination, please contact your agent or broker, or you may contact us directly. B. Coverage Changes (if applicable) Your policy for the upcoming term will include certain reductions or additional restrictions in coverage, as indicated by an (x) below. ( ) Increase in Deductible to: ( ) Reduction in Limits to: ( ) Reductions in Coverage: (X) Other Changes, Clarifications or Restrictions in Coverage: REFER TO FORM PHN SS 88 08 03 12 You may receive other notices of coverage changes for the upcoming policy term under separate cover. Those other changes will apply in addition to the changes described above. C. Transfer to Another Company of The Hartford () Due to a change in rate that will apply to your upcoming term, your policy will be written by another insurance company of The Hartford. Some states consider the change(s) described in this notice to be a nonrenewal of your prior policy, in which case this is our notice to you in compliance with the applicable law. Form IH 70 24 09 13 Page 1 If you would like more information about this notice or your policy, please contact your agent or broker, or you may contact us directly. We look forward to continuing our relationship and fulfilling your insurance needs. Thank you for your business. ADDITIONAL COVERAGE RESTRICTIONS REFER TO FORM PHN SS 88 08 03 12 Form IH 70 24 09 13 Page 2 THE HARTFORD PRODUCER COMPENSATION NOTICE You can review and obtain information on The Hartford's producer compensation practices at www.TheHartford.com or at 1-800-592-5717. Form G-3418-0 POLICY NUMBER: 72 SBA BD5477 F THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT SCHEDULE Terrorism Premium: $ $22.00 A. Disclosure Of Premium In accordance with the federal Terrorism Risk Insurance Act, as amended (TRIA), we are required to provide you with a notice disclosing the portion of your premium, if any, attributable to coverage for "certified acts of terrorism" under TRIA. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement. B. The following definition is added with respect to the provisions of this endorsement: 1. A "certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of TRIA, to be an act of terrorism under TRIA. The criteria contained in TRIA for a "certified act of terrorism" include the following: a. The act results in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to TRIA; and b. The act results in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of an United States mission; and c. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion C. Disclosure Of Federal Share Of Terrorism Losses The United States Department of the Treasury will reimburse insurers for a portion of insured losses, as indicated in the table below, attributable to "certified acts of terrorism" under TRIA that exceeds the applicable insurer deductible: Calendar Year Federal Share of Terrorism Losses 2015 85% 2016 84% 2017 83% 2018 82% 2019 81% 2020 or later 80% However, if aggregate industry insured losses under TRIA exceed $100 billion in a calendar year, the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion. The United States government has not charged any premium for their participation in covering terrorism losses. Form SS 83 76 01 15 © 2015 , The Hartford (Includes copyrighted material of the Insurance Services Office, Inc., with its permission.) Pagel of 2 D. Cap On Insurer Liability for Terrorism Losses If aggregate industry insured losses attributable to "certified acts of terrorism" under TRIA exceed $100 billion in a calendar year and we have met, or will meet, our insurer deductible under TRIA, we shall not be liable for the payment of any portion of the amount of such losses that exceed $100 billion. In such case, your coverage for terrorism losses may be reduced on a pro-rata basis in accordance with procedures established by the Treasury, based on its estimates of aggregate industry losses and our estimate that we will exceed our insurer deductible. In accordance with the Treasury's procedures, amounts paid for losses may be subject to further adjustments based on differences between actual losses and estimates. E. Application of Other Exclusions The terms and limitations of any terrorism exclusion, the inapplicability or omission of a terrorism exclusion, or the inclusion of terrorism coverage, do not serve to create coverage for any loss which would otherwise be excluded under this Coverage Form, Coverage Part or Policy. F. All other terms and conditions remain the same. Form SS 83 76 01 15 Page 2 of 2 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION TO CERTIFICATE HOLDER(S) This policy is subject to the following additional Conditions: A. If this policy is cancelled by the Company, other than for non-payment of premium, notice of such cancellation will be provided at least thirty (30) days in advance of the cancellation effective date to the certificate holder(s) with mailing addresses on file with the agent of record or the Company. B. If this policy is cancelled by the company for non- payment of premium, or by the insured, notice of such cancellation will be provided within ten (10) days of the cancellation effective date to the certificate holder(s) with mailing addresses on file with the agent of record or the Company. If notice is mailed, proof of mailing to the last known mailing address of the certificate holder(s) on file with the agent of record or the Company will be sufficient proof of notice. Any notification rights provided by this endorsement apply only to active certificate holder(s) who were issued a certificate of insurance applicable to this policy's term. Failure to provide such notice to the certificate holder(s) will not amend or extend the date the cancellation becomes effective, nor will it negate cancellation of the policy. Failure to send notice shall impose no liability of any kind upon the Company or its agents or representatives. Form SS 12 23 06 11 Page 1 of 1 © 2011, The Hartford IMPORTANT NOTICE TO CALIFORNIA POLICYHOLDERS Important Notices If your policy provides Automobile Insurance, please read the following: Automobile Assigned Risk Plan Information: Pursuant to Section 652 of the Insurance Code you are hereby notified that: 1. The California Automobile Assigned Risk Plan provides a means by which applicants for automobile bodily injury and property damage liability insurance may be assigned to an insurer authorized to transact liability insurance. 2. If you are unable to procure such insurance through ordinary methods and you are in good faith eligible for such insurance in accordance with the standards of the Plan, it is possible for you to obtain it through the Plan. 3. Application forms for insurance through the Plan may be obtained from and submitted through (a) any licensed insurance agent or broker or (b) the Plan itself at P.O. Box 7917, San Francisco, CA 94120-7917. If your policy provides Property Insurance, please read the following: California FAIR Plan Association: If this notice pertains to a policy providing basic property insurance, and you do not wish to continue your coverage with The Hartford, you should make an effort to obtain insurance through another company in the voluntary market. If you have difficulty in procuring replacement coverage in the voluntary market, you possibly may obtain basic fire insurance coverages through the California Fair Plan Association. Insurance through the Association is available only in certain areas of the state. For further information or assistance in obtaining basic property insurance through the FAIR Plan, please contact your agent or broker or the Plan at 1-213-487-0111 or 1- 800-339-4099 (in California only). Form G-3012-0 Page 1 of 1 © 2013, The Hartford IMPORTANT NOTICE TO POLICYHOLDERS CHANGE TO PREMIUM AUDIT REQUIREMENTS Thank you for trusting The Hartford with your business insurance needs. You are receiving this Notice because we recently expanded the types of business operations subject to premium audit. As a result, based on your business operations, your Business Owner's Policy is now auditable. If any class code on your policy was marked as "auditable" on your prior policy, this will not represent any change to you. Your policy is considered "auditable", even if not every Class Code on your policy is auditable. Each year, the premium we charge is based, in part, on estimates and assumptions related to items such as your business' sales revenue and the nature of business operations, for example. To make sure you only pay what's owed, at the end of the policy term, we may conduct a premium audit. A premium audit verifies the accuracy of the information used to calculate your policy premium. Once complete, you will receive an audit statement indicating whether you are owed a refund or if additional premium is due. Effective your next renewal, the class codes* and business operations listed below are now also subject to audit. This change does not reduce your insurance coverage. Class Code Business Operation Description 10501 Telecommunication Service Providers 10502 Telecommunication Service Providers - Wired (Rebillers and Resellers Only) 10511 Telecommunication Equipment Providers 11021 Application Service Provider Industry Verticals 11031 Hosting Services Reseller - no hosting entities 11041 Technology Service Provider 11081 Computer Systems Integration Services 11121 Computer Facilities Management 11131 Computer Installation, Repair, Maintenance & Service - Commercial 11171 Software & Internet Design Services 35511 Computer Refurbish and Resale 42071 Computer Data Processing 42161 Internet Search & Indexing Tool Provider 43711 Contract Work - Repair on Finished Electronics Products 48211 Electronics Manufacturing - Research & Development Only 48531 Software Developers & Technology Service Providers - Research & Development Only 48811 Computer Service or Repair w/Office Only 73371 Prepackaged * A code assigned and used by insurance companies to classify business operations If your Policy Declarations Page currently reflects a class code (or codes) subject to premium audit, the addition of the above does not represent any change to you. Should you have any questions regarding this change, please contact your insurance agent, broker or representative. Form SS 88 08 03 12 Page 1 of 1 © 2012, The Hartford IMPORTANT NOTICE TO POLICYHOLDERS ERISA - EMPLOYEE DISHONESTY You are receiving this notice because your renewal policy contains ERISA-EMPLOYEE DISHONESTY The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets rules and standards of conduct for private sector employee benefit plans and those that invest and manage their assets. One of ERISA's requirements is that people who handle plan funds and other property must be covered by a fidelity bond to protect the plan from losses due to fraud or dishonesty. Please be advised that on or before the beginning of each plan year, the plan administrator or other plan fiduciary must ensure that the plan has the legally required bonding amount for the individuals who will handle the plan's funds and other property. If necessary, the plan administrator or other plan fiduciary may need to obtain appropriate adjustments or additional protection to ensure that the coverage will be in compliance for the new plan year. If you wish to adjust the amount of your ERISA fidelity bond, please reach out to your agent or Hartford representative. Form SS 90 30 06 18 Page 1 of 1 © 2018, The Hartford REGIONAL OFFICE INSTRUCTION SHEET POLICY NUMBER: 72 SBA BD5477 DX ROUTING INSTRUCTIONS _SEND TO RECORDS. TRANSFER CORR IF APPLICABLE. TERMINAL ID: UODCV38A OPER INIT: SCL 06/02/22 72 SBA BD5477 DX (08/19/23) PAGE 1 POLICY FACE SHEET 77 54 INSURER: BD SENTINEL INSURANCE COMPANY, LIMITED SBA POLICY NO. 72 SBA BD5477 DX RECORDS RETENTION - PERMANENT DECLARATIONS ITEMS 1. NAMED INSURED AND DECKARD TECHNOLOGIES MAILING ADDRESS: 1620 5th Ave 400 La Jolla, SAN DIEGO CA. 92037 2. POLICY PERIOD: 08/19/22 08/19/23 1 INCEPTION EXPIRATION YEAR AGENT'S CODE: 254781 AGENT'S NAME: EDGEWOOD PARTNERS INS AGENCY/PHS PREVIOUS POLICY NO. 72 SBA BD5477 3. THE NAMED INSURED IS: CORP POLICY STATUS: ACTIVE LOB LEVEL OF SUPPORT: SP-S MARKET SEGMENTATION: 830 AUDIT PERIOD: ANNUAL SELECT CUSTOMER AGENT SALES AGREEMENT (COMMISSION STATUS ) DIRECT ACCOUNT BILL NUMBER - 15590793 DEDUCTIBLE UMBRELLA ADDITIONAL INSURED(S) AUTOMATICALLY BOOKED ABBREVIATED POLICY ISSUED AUTOMATICALLY RENEWED TRANS TYPE: RENL CNTL#: 001 POLICY FACE SHEET TERMINAL ID: UODCV38A PAGE 2 06/02/22 72 SBA BD5477 DX (08/19/23) DECKARD TECHNOLOGIES HE 1620 5th Ave 400 T La Jolla CA 92037 HARTFORD Policy Number: 72 SBA BD5477 Renewal Date: 08/19/22 Thank you for being a loyal customer of The Hartford. # 1: Your Hartford Policy Enclosed are renewal documents for your policy, which is scheduled to renew on 08/19/22 . Along with a new Declarations Page, which details the coverages provided by your policy, we are enclosing important policy documents. Please be aware that you will receive an invoice separately for this new policy term approximately 30 days prior to the renewal date; no action is required now. To ensure the premium you paid for this past policy term was accurate, we may contact you by letter, phone or email to conduct a premium audit. If contacted, we will advise what information is needed to complete the audit. # 2: Your Business Insurance Coverage Checkup Now is a great time to complete a business insurance coverage checkup with a Hartford Insurance Professional. Because you wear so many hats each day, you may not be thinking about how changes to your business can impact the type and amount of insurance coverage needed to protect it. Together we will evaluate how your needs may have changed over the past year. Examples include: - Has your mailing address and/or the physical location of your business changed? - Has there been any increase/decrease in the amount of business property/equipment you own? - Has there been any increase/decrease in your company's payroll or sales? - Have you added or eliminated any vehicles used in your business operations? - Are the bill plan and deductible on your policy right for your business? During the review we may make coverage recommendations, provide peace of mind solutions, and possibly reduce your costs. Here is all you need to do: - Call toll free (866) 467-8730 , and select our renewal review service option any weekday from 7 A.M. to 7 P.M. CST and request your business insurance check-up. - To best serve you, please have your Policy Number or Account Number and a Copy of your current Renewal Policy in hand when you call. # 3: Servicing Your Needs To login or register for our Online Business Service Center, go to www.thehartford.com/servicecenter where any time, day or night you can: - Pay your bill, view payment history and enroll in Auto Pay - Request Auto ID Cards and Certificates of Insurance - View electronic copies of billing and policy documents and sign up for paperless delivery # 4: If You've Had A Loss or Accident... Report It Immediately We want to help! Contact us as quickly as possible at 1-800-327-3636. - Representatives are available 24-7 to assist in helping you recover from your loss. On behalf of EDGEWOOD PARTNERS INS AGENCY/PHS and The Hartford, we appreciate the opportunity to have been of service to you this past year and look forward to serving your business insurance needs for the upcoming year. Sincerely, Your Hartford Team 77 This Spectrum Policy consists of the Declarations, Coverage Forms, Common Policy Conditions and any 54 other Forms and Endorsements issued to be a part of the Policy. This insurance is provided by the stock BD insurance company of The Hartford Insurance Group shown below. SBA INSURER: SENTINEL INSURANCE COMPANY, LIMITED ONE HARTFORD PLAZA, HARTFORD, CT 06155 COMPANY CODE: A THE Policy Number: 72 SBA BD5477 DX HARTFORD SPECTRUM POLICY DECLARATIONS Named Insured and Mailing Address: DECxARD TECHNOLOGIES (No., Street, Town, State, Zip Code) 1620 5th Ave 400 La Jolla CA 92037 Policy Period: From 08/19/22 To 08/19/23 1 YEAR 12:01 a.m., Standard time at your mailing address shown above. Exception: 12 noon in New Hampshire. Name of Agent/Broker: EDGEWOOD PARTNERS INS AGENCY/PHS Code: 254781 Previous Policy Number: 72 SBA BD5477 Named Insured is: CORPORATION Audit Period: ANNUAL Type of Property Coverage: SPECIAL Insurance Provided: In return for the payment of the premium and subject to all of the terms of this policy, we agree with you to provide insurance as stated in this policy. TOTAL ANNUAL PREMIUM IS: Countersigned by Authorized Representative 06/02/22 Date Form SS 00 02 12 06 Page 001 (CONTINUED ON NEXT PAGE) Process Date: 0 6 / 0 2 / 2 2 Policy Expiration Date: 08/19/23 SPECTRUM POLICY DECLARATIONS (Continued) POLICY NUMBER: 72 SBA BD5477 Location(s), Building(s), Business of Named Insured and Schedule of Coverages for Premises as designated by Number below. Location: 001 Building: 001 1620 5TH AVE STE 400 SAN DIEGO CA 92101 Description of Business: Software, Internet, Application & Web Design Deductible: $ 1,000 PER OCCURRENCE BUILDING AND BUSINESS PERSONAL PROPERTY LIMITS OF INSURANCE BUILDING BUSINESS PERSONAL PROPERTY REPLACEMENT COST PERSONAL PROPERTY OF OTHERS REPLACEMENT COST MONEY AND SECURITIES INSIDE THE PREMISES OUTSIDE THE PREMISES NO COVERAGE $ 21,800 NO COVERAGE $ 10,000 $ 5,000 Form SS 00 02 12 06 Process Date: 06/02/22 Page 002 (CONTINUED ON NEXT PAGE) Policy Expiration Date: 08/19/23 SPECTRUM POLICY DECLARATIONS (Continued) POLICY NUMBER: 72 SBA BD5477 Location(s), Building(s), Business of Named Insured and Schedule of Coverages for Premises as designated by Number below. Location: 001 Building: 001 PROPERTY OPTIONAL COVERAGES APPLICABLE LIMITS OF INSURANCE TO THIS LOCATION TECHNOLOGY STRETCH FORM SS 40 12 THIS FORM INCLUDES MANY ADDITIONAL COVERAGES AND EXTENSIONS OF COVERAGES. A SUMMARY OF THE COVERAGE LIMITS IS ATTACHED. LIMITED FUNGI, BACTERIA OR VIRUS COVERAGE: FORM SS 40 93 THIS IS THE MAXIMUM AMOUNT OF INSURANCE FOR THIS COVERAGE, SUBJECT TO ALL PROPERTY LIMITS FOUND ELSEWHERE ON THIS DECLARATION. INCLUDING BUSINESS INCOME AND EXTRA EXPENSE COVERAGE FOR: $ 50,000 30 DAYS Form SS 00 02 12 06 Process Date: 0 6 / 0 2 / 2 2 Page 003 (CONTINUED ON NEXT PAGE) Policy Expiration Date: 08/19/23 SPECTRUM POLICY DECLARATIONS (Continued) POLICY NUMBER: 72 SBA BD5477 Location(s), Building(s), Business of Named Insured and Schedule of Coverages for Premises as designated by Number below. Location: 002 Building: 001 550 W B ST FL 4 SAN DIEGO CA 92101 Description of Business: Software, Internet, Application & Web Design Deductible: NO COVERAGE BUILDING AND BUSINESS PERSONAL PROPERTY LIMITS OF INSURANCE BUILDING BUSINESS PERSONAL PROPERTY REPLACEMENT COST PERSONAL PROPERTY OF OTHERS REPLACEMENT COST MONEY AND SECURITIES INSIDE THE PREMISES OUTSIDE THE PREMISES NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE Form SS 00 02 12 06 Process Date: 06/02/22 Page 004 (CONTINUED ON NEXT PAGE) Policy Expiration Date: 08/19/23 SPECTRUM POLICY DECLARATIONS (Continued) POLICY NUMBER: 72 SBA BD5477 PROPERTY OPTIONAL COVERAGES APPLICABLE LIMITS OF INSURANCE TO ALL LOCATIONS BUSINESS INCOME AND EXTRA EXPENSE COVERAGE COVERAGE INCLUDES THE FOLLOWING COVERAGE EXTENSIONS: ACTION OF CIVIL AUTHORITY: EXTENDED BUSINESS INCOME: EQUIPMENT BREAKDOWN COVERAGE COVERAGE FOR DIRECT PHYSICAL LOSS DUE TO: MECHANICAL BREAKDOWN, ARTIFICIALLY GENERATED CURRENT AND STEAM EXPLOSION THIS ADDITIONAL COVERAGE INCLUDES THE FOLLOWING EXTENSIONS HAZARDOUS SUBSTANCES EXPEDITING EXPENSES MECHANICAL BREAKDOWN COVERAGE ONLY APPLIES WHEN BUILDING OR BUSINESS PERSONAL PROPERTY IS SELECTED ON THE POLICY IDENTITY RECOVERY COVERAGE FORM SS 41 12 COMPUTERS AND MEDIA COVERAGE FORM SS 04 41 DEDUCTIBLE: $ 1,000 12 MONTHS ACTUAL LOSS SUSTAINED 30 DAYS 30 CONSECUTIVE DAYS $ 50,000 $ 50,000 $ 15,000 Form SS 00 02 12 06 Process Date: 0 6 / 0 2 / 2 2 Page005 (CONTINUED ON NEXT PAGE) Policy Expiration Date: 08/19/23 SPECTRUM POLICY DECLARATIONS (Continued) POLICY NUMBER: 72 SBA BD5477 BUSINESS LIABILITY LIMITS OF INSURANCE LIABILITY AND MEDICAL EXPENSES $1,000,000 MEDICAL EXPENSES -ANY ONE PERSON $ 10,000 PERSONAL AND ADVERTISING INJURY $1,000,000 DAMAGES TO PREMISES RENTED TO YOU ANYONE PREMISES AGGREGATE LIMITS PRODUCTS -COMPLETED OPERATIONS GENERAL AGGREGATE BUSINESS LIABILITY OPTIONAL COVERAGES HIRED/NON-OWNED AUTO LIABILITY UMBRELLA LIABILITY - SEE SCHEDULE ATTACHED $1,000,000 $2,000,000 $2,000,000 $1,000,000 Form SS 00 02 12 06 Process Date: 0 6 / 0 2 / 2 2 Page006 (CONTINUED ON NEXT PAGE) Policy Expiration Date: 0 8 / 19 / 2 3 SPECTRUM POLICY DECLARATIONS (Continued) POLICY NUMBER: 72 SBA BD5477 BUSINESS LIABILITY OPTIONAL COVERAGES (Continued) TECHNOLOGY SERVICES EXTENSION FORM SS 40 59 UNMANNED AIRCRAFT LIABILITY IS EXCLUDED SEE FORM: SS 42 06 LIMITS OF INSURANCE Form SS 00 02 12 06 Page 007 (CONTINUED ON NEXT PAGE) Process Date: 0 6 / 0 2 / 2 2 Policy Expiration Date: 08/19/23 SPECTRUM POLICY DECLARATIONS (Continued) POLICY NUMBER: 72 SBA BD5477 ADDITIONAL INSUREDS: THE FOLLOWING ARE ADDITIONAL INSUREDS FOR BUSINESS LIABILITY COVERAGE IN THIS POLICY. LOCATION 001 BUILDING 001 TYPE PERSON ORGANIZATION NAME SEE FORM IH 12 00 TYPE STATE POLITICAL SUBDIVISION NAME SEE FORM IH 12 00 TYPE OWNER, LESSEES OR CONTRACTORS NAME SEE FORM IH 12 00 Form SS 00 02 12 06 Page 008 (CONTINUED ON NEXT PAGE) Process Date: 0 6 / 0 2 / 2 2 Policy Expiration Date: 08/19/23 SPECTRUM POLICY DECLARATIONS (Continued) POLICY NUMBER: 72 SBA BD5477 Form Numbers of Forms and Endorsements that apply: SS 00 01 03 14 SS 00 38 04 04 SS 00 64 09 16 SS 04 19 04 09 SS 04 39 07 05 SS 04 45 07 05 SS 04 86 03 00 SS 40 93 07 05 IH 10 01 09 86 SS 51 11 03 17 IH 99 40 04 09 SS 89 93 07 16 IH 12 00 11 IH 12 00 11 IH 12 00 11 SS 00 05 10 08 SS 00 07 07 05 SS 00 08 04 05 SS 00 45 12 06 SS 00 60 09 15 SS 00 61 07 19 SS 84 24 09 07 SS 01 21 02 20 SS 42 06 03 17 SS 04 22 07 05 SS 04 30 07 05 SS 04 38 09 09 SS 04 41 03 18 SS 04 42 03 17 SS 04 44 07 05 SS 04 46 09 14 SS 04 47 04 09 SS 04 80 03 00 SS 40 12 09 07 SS 40 18 07 05 SS 40 59 03 16 SS 41 12 12 17 SS 41 51 10 09 SS 41 63 06 11 SS 05 18 07 92 SS 05 47 09 15 SS 50 50 12 01 IH 12 05 02 21 SS 50 19 01 15 SS 00 46 09 19 IH 99 41 04 09 SX 80 01 06 97 SS 83 76 01 15 SS 12 23 06 11 85 ADDITIONAL INSURED - PERSON -ORGANIZATION 85 ADDITIONAL INSURED - STATE/POLITICAL SUBDIVISION 85 ADDITIONAL INSURED - OWNER, LESSEES OR CONTRACTOR SCHEDULED PERSON OR ORGANIZATION Form SS 00 02 12 06 Page 009 Process Date: 06/02/22 Policy Expiration Date: 08/19/23 SPECTRUM POLICY DECLARATIONS (Continued) POLICY NUMBER: 72 SBA BD5477 SUPPLEMENTAL DECLARATIONS: A service fee of $ 7.00 is charged for each installment when your premium is paid in installments. The service fee is $ 5.00 per withdrawal when you select an electronic fund transfer payment plan. The service fee will be added to the premium amount shown on your premium billing statement. Form SS 00 45 12 06 Process Date: 0 6 / 0 2 / 2 2 Policy Expiration Date: 08/19/23 Spectrum Supplemental Schedule of Auditable Coverages This schedule reflects only those locations that have classes and/or coverages that are subject to audit. Policy Number: 72 SBA BD5477 Entries herein, except as specifically provided elsewhere in this policy, do not modify any of the other provisions of this policy. LOC/BLDG NO: 001/001 TERR: 113 LOCATION: 1620 5TH AVE STE 400 SAN DIEGO CA 92101 CLASSIFICATION CODE NUMBER 11171 DESCRIPTION: Software, Internet, Application & Web Design COVERAGE DESCRIPTION: PREMISES/OPERATIONS COVERAGE REFER TO: BUSINESS LIABILITY COVERAGE PART FORM SS 00 08 RATING BASIS: SALES PER 1000 EXPOSURE: 52,531 FINAL RATE: 0.171 ADVANCE PREMIUM: $9.00 COVERAGE DESCRIPTION: PRODUCTS/COMPLETED OPERATIONS COVERAGE REFER TO: BUSINESS LIABILITY COVERAGE PART FORM SS 00 08 RATING BASIS: SALES PER 1000 EXPOSURE: 52,531 FINAL RATE: 0.076 ADVANCE PREMIUM: $4.00 COVERAGE DESCRIPTION: BUSINESS INCOME & EXTRA EXPENSE - ACTUAL LOSS SUSTAINED REFER TO: SPECIAL PROPERTY COVERAGE PART FORM SS 00 07 RATING BASIS: SALES PER 1000 EXPOSURE: 52,531 FINAL RATE: 0.609 ADVANCE PREMIUM: $32.00 Form SS 00 38 04 O4T Page 001 (CONTINUED ON NEXT PAGE) Process Date: 0 6 / 0 2 / 2 2 Policy Expiration Date: 08/19/23 Spectrum Supplemental Schedule of Auditable Coverages (Continued) Policy Number: 72 SBA BD5477 COVERAGE DESCRIPTION: REFER TO: RATING BASIS: EXPOSURE: FINAL RATE: ADVANCE PREMIUM: TECHNOLOGY SERVICES EXTENSION TECHNOLOGY SERVICES EXTENSION FORM SS 40 59 PERCENTAGE OF BUSINESS LIABILITY PREMIUM 13 0.02 $1.00 LOC/BLDG NO: 002/001 TERR: 113 LOCATION: 550 W B ST FL 4 SAN DIEGO CA 92101 CLASSIFICATION CODE NUMBER 11171 DESCRIPTION: Software, Internet, Application & Web Design COVERAGE DESCRIPTION: PREMISES/OPERATIONS COVERAGE REFER TO: BUSINESS LIABILITY COVERAGE PART FORM SS 00 08 RATING BASIS: SALES PER 1000 EXPOSURE: 1 FINAL RATE: 0.000 ADVANCE PREMIUM: $1.00 COVERAGE DESCRIPTION: PRODUCTS/COMPLETED OPERATIONS COVERAGE REFER TO: BUSINESS LIABILITY COVERAGE PART FORM SS 00 08 RATING BASIS: SALES PER 1000 EXPOSURE: 1 FINAL RATE: 0.000 ADVANCE PREMIUM: $1.00 COVERAGE DESCRIPTION: TECHNOLOGY SERVICES EXTENSION REFER TO: TECHNOLOGY SERVICES EXTENSION FORM SS 40 59 Form SS 00 38 04 04T Page 002 (CONTINUED ON NEXT PAGE) Process Date: 0 6 / 0 2 / 2 2 Policy Expiration Date: 08/19/23 Spectrum Supplemental Schedule of Auditable Coverages (Continued) Policy Number: 72 SBA BD5477 RATING BASIS: PERCENTAGE OF BUSINESS LIABILITY PREMIUM EXPOSURE: 2 FINAL RATE: 0.02 ADVANCE PREMIUM: $1.00 --------------------------------------------------------------------------- TOTAL ADVANCE PREMIUM $49.00 DOES NOT INCLUDE TERRORISM OR FOR AUDITABLE COVERAGES ANY APPLICABLE STATE SURCHARGES OR FEES OR MINIMUM PREMIUMS --------------------------------------------------------------------------- Form SS 00 38 04 04T Page 003 Process Date: 0 6 / 0 2 / 2 2 Policy Expiration Date: 08/19/23 TECHNOLOGY AND SOFTWARE SERVICE PROVIDERS STRETCH SUMMARY SUMMARY OF COVERAGE LIMITS This is a summary of the Coverages and the Limits of Insurance provided by the Stretch Coverage form SS 40 12 which is included in this policy. No coverage is provided by this summary. Refer to coverage form SS 40 12 to determine the scope of your insurance protection. The Limit of Insurance for the following Additional Coverages are in addition to any other limit of insurance provided under this policy: Coverage Accounts Receivable — On/Off-Premises Brands and Labels Claim Expenses Computer Fraud Computers and Media Contract Penalty Debris Removal Employee Dishonesty (including ERISA) Fine Arts Forgery Laptop Computers — Worldwide Coverage Off -Premises Utility Services — Direct Damage Outdoor Signs Pairs or Sets Personal Property of Others Property at Other Premises Salespersons' Samples Sewer and Drain Back Up Sump Overflow or Sump Pump Failure Temperature Change Tenant Building and Business Personal Property Coverage - Required by Lease Transit Property in the Care of Carriers for Hire Unauthorized Business Card Use Valuable Papers and Records — On/Off-Premises Limit $ 25,000 Up to Business Personal Property Limit $ 10,000 $ 5,000 $ 50,000 $ 1,000 $ 25,000 $ 10,000 $ 10,000 $ 10,000 $ 5,000 $ 10,000 Full Value Up to Business Personal Property Limit $ 10,000 $ 10,000 $ 1,000 Included up to Covered Property Limits $ 15,000 $ 10,000 $ 20,000 $ 15,000 $ 2,500 $ 25,000 The Limits of Insurance for the following Coverage Extensions are a replacement of the Limit of Insurance provided under the Standard Property Coverage Form or the Special Property Coverage Form, whichever applies to the policy: Coverage Newly Acquired or Constructed Property — 180 Days Building Business Personal Property Business Income and Extra Expense Outdoor Property Personal Effects Property Off -Premises Limit $1,000,000 $ 500,000 $ 500,000 $ 20,000 aggregate/ $1,000 per item $ 25,000 $ 25,000 Form SS 84 24 09 07 Page 1 of 2 © 2007, The Hartford The following changes apply only if Business Income and Extra Expense are covered under this policy. The Limits of Insurance for the following Business Income and Extra Expense Coverages are in addition to any other Limit of Insurance provided under this policy: Coverage Limit Business Income Extension for Off -Premises Utility Services $ 25,000 Business Income Extension for Web Sites $ 50,000/7 days Business Income from Dependent Properties $ 25,000 Expediting Expenses $ 10,000 The following Limit of Insurance for the following Business Income Coverage is a replacement of the Limit of Insurance provided under the Standard Property Coverage Form or the Special Property Coverage Form, whichever applies to the policy: Coverage Extended Business Income The following changes apply to Loss Payment Conditions: Coverage Valuation Changes Commodity Stock "Finished Stock" Mercantile Stock - Sold Limit 60 Days Limit Included Included Included Page 2 of 2 Form SS 84 24 09 07 POLICY NUMBER: 72 SBA BD5477 F THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNMANNED AIRCRAFT - LIABILITY ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM SCHEDULE Option 1: If an "X" is shown in this box, Bodily Injury and Property Damage coverage for Unmanned Aircraft applies and the Unmanned Aircraft Exclusion in Paragraph A.1.g.(1) of this endorsement does not apply. Option 2: If an "X" is shown in this box, Personal And Advertising Injury coverage for Unmanned Aircraft applies and the Unmanned Aircraft - Personal And Advertising Injury Exclusion in Paragraph A.2. of this endorsement does not apply. Except as otherwise stated in this endorsement or the schedule above, the terms and conditions of the policy apply to the insurance stated below. A. The following changes are made to Section B.1., EXCLUSIONS: 1. Paragraph g., Aircraft, Auto or Watercraft, is deleted and replaced with the following: g. Aircraft, Auto or Watercraft (1) Unmanned Aircraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". Use includes operation and "loading or unloading". This Paragraph g.(1) applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the 'occurrence" which caused the "bodily injury" or "property damage" involved the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". (2) Aircraft (Other Than Unmanned Aircraft), Auto Or Watercraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft (other than "unmanned aircraft), "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and 'loading or unloading". This Paragraph g.(2) applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the 'occurrence" which caused the "bodily injury" or "property damage" involved the ownership, maintenance, use or entrustment to others of any aircraft (other than "unmanned aircraft), "auto" or watercraft that is owned or operated by or rented or loaned to any insured. Paragraph g. (2) does not apply to: (a) A watercraft while ashore on premises you own or rent; (b) A watercraft you do not own that is: (i) Less than 51 feet long; and (ii) Not being used to carry persons for a charge; (c) Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not owned by or rented or loaned to you or the insured; (d) Liability assumed under any "insured contract" for the ownership, maintenance or use of aircraft or watercraft; Form SS 42 06 03 17 Process Date: 0 6 / 0 2 / 2 2 Page 1 of 2 Policy Expiration Date: 08/19/23 (e) "Bodily injury" or "property damage" arising out of the operation of any of the equipment listed in Section G Liability and Medical Expenses Definitions, Paragraph 15 f. (2) or f. (3) of the definition of "mobile equipment"; or (f) An aircraft (other than unmanned aircraft) that is not owned by any insured and is hired, chartered or loaned with a paid crew. However, this exception does not apply if the insured has any other insurance for such "bodily injury" or "property damage", whether the other insurance is primary, excess, contingent or on any other basis. 2. The following is added to Section B. EXCLUSIONS Paragraph p., Personal and Advertising Injury: Unmanned Aircraft - Personal and Advertising Injury Arising out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". Use includes operation and "loading or unloading". This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the offense which caused the "personal and advertising injury' involved the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". However, this exclusion does not apply if the only allegation in the claim or "suit" involves an intellectual property right which is limited to: (a) Infringement, in your "advertisement", of: (i) Copyright; (ii) Slogan; or (iii) Title of any literary or artistic work; or (b) Copying, in your "advertisement", a person's or organization's "advertising idea" or style of "advertisement". B. The following changes apply to Section G. LIABILITY AND MEDICAL EXPENSES DEFINITIONS: 1. The following definition is added: "Unmanned aircraft" means an aircraft that is not: a. Designed; b. Manufactured; or c. Modified after manufacture to be controlled directly by a person from within or on the aircraft. Page 2 of 2 Form SS 42 06 03 17 POLICY NUMBER: 72 SBA BD5477 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - PERSON -ORGANIZATION THE COUNTY OF SAN DIEGO DEPT OF PURCHASING AND CONTRACTING 5560 OVERLAND AVE STE 270 SAN DIEGO, CA 92123 Form IH 12 00 11 85 T SEQ. NO. 001 Printed in U.S.A. Page 001 Process Date: 06/02/22 Expiration Date: 08/19/23 POLICY NUMBER: 72 SBA BD5477 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - STATE/POLITICAL SUBDIVISION LOC 001 BLDG 001 CITY OF CARLSBAD 1635 FARADAY AVENUE CARLSBAD, CA 92008 CITY OF RANCHO MIRAGE 69-825 HIGHWAY 111 RANCHO MIRAGE,CA 92270 LOC 001/002 BLDG 001 CITY OF MONTEREY 580 PACIFIC STREET MONTEREY, CA 93940 Form IH 12 00 11 85 T SEQ. NO. 002 Printed in U.S.A. Page 001 Process Date: 06/02/22 Expiration Date: 08/19/23 POLICY NUMBER: 72 SBA BD5477 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNER, LESSEES OR CONTRACTOR SCHEDULED PERSON OR ORGANIZATION LOC 001 BLDG 001 CITY OF BIG BEAR LAKE 39707 BIG BEAR BOULEVARD BIG BEAR LAKE, CA 92315 RE: CONSULTANT NUMBER OF JOB LOCATIONS:1 Form IH 12 00 11 85 T SEQ. NO. 003 Printed in U.S.A. Page 001 Process Date: 06/02/22 Expiration Date: 08/19/23 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GOODS AND SERVICES ENDORSEMENT This endorsement modifies insurance provided under all Coverage Parts of this Policy. We may offer or make "goods or services" available to you through this underwriting company, a non -insurer subsidiary, or unaffiliated third parties as a part of this policy. The "goods or services" may be provided for a charge, at a discount, on a subsidized basis, or free of charge. In some cases, we may receive a fee from the unaffiliated third parties that provide "goods or services". We do not warrant or guarantee the "goods or services" provided by third parties, and such third parties shall be solely liable and responsible for the "goods or services" they provide. The "goods or services" offered or made available by us may be modified or discontinued at any time. "Goods or services" means goods, products or services, including but not limited to risk mitigation, safety, and/or loss prevention services or equipment. IH 12 05 02 21 Page 1 of 1 © 2021, The Hartford Insurer: SENTINEL INSURANCE COMPANY, LIMITED ONE HARTFORD PLAZA, HARTFORD, CT 06155 This Declarations Page, with Common Policy Conditions, Data Breach Coverage Form and Endorsements, if any, issued to form a part thereof, shall together constitute this Data Breach Coverage Part, which in turn forms a part of the Policy Number shown below. The Common Policy Conditions and Nuclear Energy Liability Exclusion of the policy to which this Coverage Part is attached also apply to this Coverage Part. But if there is any conflict between the policy and this Coverage Part, then this Coverage Part will govern. "Coverage part" means this Declarations page and all Data Breach forms listed herein and attached hereto. POLICY NUMBER: 72 SBA BD5477 DATA BREACH COVERAGE DECLARATIONS PLEASE READ YOUR POLICY. IF YOU HAVE PURCHASED DATA BREACH - DEFENSE AND LIABILITY, NOTE THAT CLAIM EXPENSES ARE PAYABLE WITHIN THE LIMITS OF LIABILITY. Named Insured and Mailing Address: DECxARD TECHNOLOGIES 1620 5th Ave 400 La Jolla CA 92037 Policy Period Effective Date: 08/19/22 Expiration Date: 08/19/23 12:01 A.M., Standard time at the address of the named insured as stated herein. Premium: Minimum Premium: Data Breach - Response Expenses Limit Of Insurance: Retroactive Date: If no date is entered, the Retroactive Date is the same as the effective date of this Coverage Part. Business Income And Extra Expense Sub -limit: Extortion Threats Sub -limit: Data Breach - Defense and Liability (THIS IS CLAIMS FIRST MADE AND REPORTED IN WRITING INSURANCE) Limit Of Insurance: Retroactive Date: If no date is entered, the Retroactive Date is the same as the effective date of this Coverage Part. Fines and Penalties Sub -limit: $56 NONE Data Breach 25,000 Deductible: 11/15/18 - Response Expenses 1,000 Business Income And Extra Expense NOT INCLD Waiting Period Deductible: NA Hours NOT INCLD Data Breach - Response Expenses deductible shown above also applies to Extortion Threats coverage. NOT INCLD Data Breach - Defense and Liability Deductible: NOT INCLD PCI Loss Sub -limit: NOT INCLD Form Numbers Of Forms and Endorsements that apply: Common Policy Conditions: Form SS 00 05, Exclusion - Nuclear Energy Liability: SS 05 47 SS00470316 Countersigned by dleAl_l _;51, (where required by law) 06/02/22 Authorized Representative Date Form SS 00 46 09 19 Process Date: 0 6 / 0 2 / 2 2 Page 1 of 1 Policy Expiration Date: 08/19/23 HElk HARTFORD Named Insured: DECKARD TECHNOLOGIES Policy Number: 72 SBA BD5477 Effective Date: 08/19/22 Expiration Date: 08/19/23 Company Name: SENTINEL INSURANCE COMPANY, LIMITED THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TRADE OR ECONOMIC SANCTIONS ENDORSEMENT This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims. All other terms and conditions remain unchanged. Form IH 99 41 04 09 Page 1 of 1 Insurer: SENTINEL INSURANCE COMPANY, LIMITED tL ay ONE HARTFORD PLAZA, HARTFORD, CT 06155 it This Declarations Page, with Umbrella Liability Provisions and Endorsements, if any, issued to form a part thereof, shall together constitute this Umbrella Liability Supplemental Contract, which in turn forms a part of Policy Number shown below. None of the provisions of the policy to which this Supplemental Contract is attached applies to the Umbrella Liability Insurance provided hereunder. Wherever the word "policy" appears in this form or in endorsements attached to or made a part of this Supplemental Contract, it means "Supplemental Contract". POLICY NUMBER: 72 SBA BD5477 DECLARATIONS Named Insured and Mailing Address: DECxARD TECHNOLOGIES 1620 5th Ave 400 La Jolla CA 92037 Policy Period From: 08/19/22 To: 08/19/23 12:01 A.M., Standard time at the address of the named insured as stated herein. Premium $ INCLUDED ADVANCE PREMIUM Self Insured Retention $10, 000 each occurrence The Limits of Insurance subject to all the terms of this policy that apply are: Each Occurrence $ 1,000,000 Products -Completed Operations Aggregate Limit $ 1,000,000 General Aggregate Limit (Other $ 1,000,000 Bodily Injury By Disease Aggregate Limit $ 1,000,000 than Products - Completed Operations, Bodily Injury By Disease and Automobile) Schedule of Underlying Insurance Policies See Attached "Extension Schedule of Underlying Insurance Policies" Form Numbers of Forms and Endorsements that apply. SX80041008 SX21050697 SX21940317 SX24330610 SX80020405 SX21100697 SX22951008 SX02420317 SX21770319 SX23151215 SX21040697 SX21821008 SX24010401 Countersigned by d�Al-1 06/02/22 Authorized Representative Date Form SX 80 01 06 97 T Printed in U.S.A. (NS) Process Date: 0 6 / 0 2 / 2 2 Policy Expiration Date: 08/19/23 EXTENSION SCHEDULE OF UNDERLYING INSURANCE POLICIES This extension schedule forms a part of the policy designated in the Declarations. Carrier, Policy Number and Policy Period: A. SENTINEL INSURANCE COMPANY, LIMITED 72 SBA BD5477 08/19/22 TO 08/19/23 Type of Coverage Applicable Limits ( X) Business Liability - including: Bodily Injury and Property Damage Liability Combined $1, 000, 000 each occurrence $2, 000, 000 general aggregate Employees as Additional Insureds Contractual Liability Limited Non -Owned Watercraft Additional Insureds Damages To Premises Rented To You Property Damage Liability $1, 000, 000 each occurrence ( X) Personal and Advertising Injury $1, 000, 000 ( X) Products/Completed Operations $2, 000, 000 Prod./Comp. Ops. aggregate (X) Hired Auto and Non -Owned Auto $1, 000, 000 Limit of Liability B. ( ) Comprehensive Automobile Liability - Bodily Injury Liability Owned Automobiles each person each accident Property Damage Liability ( ) Non -Owned Automobiles each accident Bodily Injury and Property Damage ( ) Hired Automobiles Liability Combined each accident ( ) Uninsured Motorist each occurrence C. ( ) Employer's Liability each accident* each employee by disease* total policy by disease* D. ( ) Liquor Liability An "V marked in the box indicates the coverage is provided in the Underlying Policies. (Note Maintenance of Underlying Insurance Condition SX 80 02 or SX 80 03) *Except that in any jurisdiction where the amount of Employers Liability Coverage afforded by the underlying insurer is by law unlimited, the limit stated does not apply and the policy of which this extension schedule forms a part shall afford no insurance with respect to Employers Liability in such jurisdiction. Form SX 80 04 10 08 Page 1 of 2 Process Date: 06/02/22 Policy Expiration Date: 08/19/23 EXTENSION SCHEDULE OF UNDERLYING INSURANCE POLICIES (Continued) POLICY NUMBER: 72 SBA BD5477 Carrier, Policy Number and Policy Period: E. Type of Coverage Applicable Limits ( ) Foreign Commercial General Liability- including: each occurrence Personal and Advertising Injury Personal and Advertising Injury aggregate Products/Completed Operations Products/Completed Operations aggregate ( ) Foreign Contingent Auto Liability each accident ( ) Foreign Employer's Liability each accident * each employee by disease* total policy by disease* An "V marked in the box indicates the coverage is provided in the Underlying Policies. (Note Maintenance of Underlying Insurance Condition SX 80 02 or SX 80 03) *Except that in any jurisdiction where the amount of Employers Liability Coverage afforded by the underlying insurer is by law unlimited, the limit stated does not apply and the policy of which this extension schedule forms a part shall afford no insurance with respect to Employers Liability in such jurisdiction. Form SX 80 04 10 08 Page 2 of 2 Process Date: 0 6 / 0 2 / 2 2 Policy Expiration Date: 08/19/23 COMMERCIAL LINES AUTOMATION - SPECTRUM SUMMARY PAGE POLICY INFORMATION NAMED INSURED: DECKARD TECHNOLOGIES AGENT CODE AND NAME: 254781 EDGEWOOD PARTNERS INS AGENCY/PHS COMPANY CODE AND NAME: A SENTINEL INSURANCE COMPANY, LIMITED EFFECTIVE DATE: 08/19/22 EXPIRATION DATE: 08/19/23 AUDIT PERIOD: ANNUALLY POLICY AUTOMATICALLY BOOKED REPLACEMENT COST APPLIES TO BPP SPECTRUM PROPERTY DEDUCTIBLE: $1,000 SPECTRUM DATA BREACH RESPONSE EXPENSE DEDUCTIBLE: $1,000 COVERAGES LIMITS OF LIABILITY PREMIUMS POLICY BASE PREMIUM $157.00 BUSINESS PERSONAL PROPERTY $21,800 $91.00 BUSINESS INCOME/EXTRA EXPENSE $32.00 EQUIPMENT BREAKDOWN INCLUDED $11.00 BUSINESS LIABILITY PREMISES/OPERATIONS $1,000,000 $10.00 PRODUCTS/COMPLETED OPERATIONS $1,000,000 $5.00 DAMAGES TO PREMISES RENTED TO YOU ANY ONE PREMISES $1,000,000 INCLUDED FUNGI LIMITED COVERAGE $50,000 INCLUDED FUNGI LIMITED BUSINESS INTERRUPTION 30 DAYS INCLUDED MONEY AND SECURITIES INSIDE -PREMISES $10,000 OUTSIDE -PREMISES $5,000 INCLUDED TECHNOLOGY SERVICES EXTENSION INCLUDED $2.00 UMBRELLA PREMISES/OPERATIONS $1,000,000 $2.00 UMBRELLA PRODUCTS/COMPLETED OPERATION $1,000,000 $2.00 UMBRELLA TECHNOLOGY SERVICES COV-LTD INCLUDED $2.00 IDENTITY RECOVERY $15,000 INCLUDED NON -OWNED AUTOMOBILE $1,000,000 $211.00 DATA BREACH - RESPONSE EXPENSE $25,000 $56.00 TECHNOLOGY STRETCH $94.00 TERRORISM COVERAGE $22.00 UMBRELLA LIABILITY MINIMUM PREM DIFF $444.00 TOTAL $1,141.00 DIRECT ACCOUNT BILL NUMBER - 15590793 w POLICY # 72SBABD5477 DX CONTROL # 001 TERM ID UODCV38A PROCESS DATE 06/02/22 OPER INITIALS SCL AAR PREV POL # 72SBABD5477 PRODUCER'S FACT SHEET NAMED INSURED: DECKARD TECHNOLOGIES POL #: 72 SBA BD5477 DX PRODUCER'S NAME: PRODUCER'S CODE: 254781 AGENT SALES EDGEWOOD PARTNERS INS AGENCY/PHS POL EFF DATE: 08/19/22 POL EXP DATE: 08/19/23 DIRECT ACCOUNT BILL NUMBER - 15590793 TRANSACTION TYPE: RENEWAL TOTAL POLICY PREMIUM: $1,141.00 THIS SPECTRUM RENEWAL POLICY PREMIUM REFLECTS THE HARTFORD'S RECOGNITION OF ANY CHANGES TO THE INSURED'S BUSINESS AND ASSOCIATED RISK ATTRIBUTES THAT HAVE OCCURRED DURING THE PREVIOUS POLICY TERM. THIS MAY INCLUDE CHANGES IN EXPOSURE, RECENT LOSS HISTORY OR OTHER CHARACTERISTICS THAT HAVE BECOME KNOWN TO US THROUGH THE UNDERWRITING PROCESS. COMMISSION BREAKDOWN POLICY PREMIUM COMMISSION PERCENTAGE SPECTRUM $1,141.00 14.0 TOTAL $1,141.00 FORM TITLE SS 00 01 03 14 POLICY FRONT COVER SS 00 02 12 06 SPECTRUM POLICY DECLARATIONS SS 00 05 10 08 COMMON POLICY CONDITIONS SS 00 07 07 05 SPECIAL PROPERTY COVERAGE FORM SS 00 08 04 05 BUSINESS LIABILITY COVERAGE FORM SS 00 38 04 04 SPECTRUM SUPPLEMENTAL SCHEDULE OF AUDITABLE COVERAGES SS 00 45 12 06 SUPPLEMENTAL DECLARATIONS SS 00 60 09 15 BUSINESS LIABILITY COVERAGE FORM AMENDATORY ENDORSEMENT SS 00 61 07 19 SPECIAL PROPERTY COVERAGE AMENDATORY ENDORSEMENT SS 00 64 09 16 BUSINESS LIABILITY COVERAGE FORM AMENDATORY - SUPPLEMENTARY PAYMENTS SS 84 24 09 07 TECHNOLOGY AND SOFTWARE SERVICE PROVIDERS STRETCH SUMMARY SS O1 21 02 20 CALIFORNIA CHANGES SS 42 06 03 17 UNMANNED AIRCRAFT - LIABILITY ENDORSEMENT SS 04 19 04 09 BUSINESS INCOME EXTENSION FOR OFF -PREMISES UTILITY SERVICES SS 04 22 07 05 FINE ARTS SS 04 30 07 05 TRANSIT COVERAGE- PROPERTY IN THE CARE OF CARRIERS FOR HIRE SS 04 38 09 09 HIRED AUTO AND NON -OWNED AUTO SS 04 39 07 05 ACCOUNTS RECEIVABLE SS 04 41 03 18 COMPUTERS AND MEDIA SS 04 42 03 17 EMPLOYEE DISHONESTY COVERAGE SS 04 44 07 05 OUTDOOR SIGNS SS 04 45 07 05 PERSONAL PROPERTY OF OTHERS PRODUCER'S FACT SHEET PAGE 1 06/02/22 72 SBA BD5477 DX (08/19/23) PRODUCER' S FACT SHEET (CONTINUED) POL #: 72 SBA BD5477 DX SS 04 46 09 14 TEMPERATURE CHANGE SS 04 47 04 09 VALUABLE PAPERS AND RECORDS SS 04 80 03 00 CRIME COMMON CONDITIONS AND EXCLUSIONS SS 04 86 03 00 FORGERY COVERAGE SS 40 12 09 07 TECHNOLOGY AND SOFTWARE SERVICE PROVIDERS STRETCH SS 40 18 07 05 OFF -PREMISES UTILITY SERVICES - DIRECT DAMAGE SS 40 59 03 16 TECHNOLOGY SERVICES EXTENSION SS 40 93 07 05 LIMITED FUNGI, BACTERIA OR VIRUS COVERAGE SS 41 12 12 17 IDENTITY RECOVERY COVERAGE FOR BUSINESSOWNERS AND EMPLOYEES SS 41 51 10 09 BUILDING LIMIT- AUTOMATIC INCREASE REVISION SS 41 63 06 11 AMENDMENT - DEFINITION OF INSURED CONTRACT IH 10 01 09 86 PERILS SPECIFICALLY EXCEPTED SS 05 18 07 92 EXCLUSION - AIRCRAFT PRODUCTS LIABILITY SS 05 47 09 15 EXCLUSION - NUCLEAR ENERGY LIABILITY SS 50 50 12 01 PERSONAL AND ADVERTISING INJURY EXCLUSION - LIMITED SS 51 11 03 17 EXCLUSION - UNMANNED AIRCRAFT (PROPERTY) G-3418-0 PRODUCER COMPENSATION NOTICE IH 12 00 11 85 ADDITIONAL INSURED - PERSON -ORGANIZATION IH 12 00 11 85 ADDITIONAL INSURED - STATE/POLITICAL SUBDIVISION IH 12 00 11 85 ADDITIONAL INSURED - OWNER, LESSEES OR CONTRACTOR SCHEDULED PERSON OR ORGANIZATION IH 12 05 02 21 GOODS AND SERVICES ENDORSEMENT PC-374-0 IMPORTANT NOTICE TO POLICYHOLDERS SS 50 19 01 15 CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM 100722RV11 INSURANCE POLICY BILLING INFORMATION SS 00 46 09 19 DATA BREACH COVERAGE DECLARATIONS SS 00 47 03 16 DATA BREACH COVERAGE - RESPONSE EXPENSES IH 99 40 04 09 U.S. DEPT OF THE TREASURY, OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") ADVISORY NOTICE TO POLICYHOLDERS IH 99 41 04 09 TRADE OR ECONOMIC SANCTIONS ENDORSEMENT SX 80 01 06 97 UMBRELLA LIABILITY SUPPLEMENTAL CONTRACT - POLICY DECLARATIONS PAGE SX 80 04 10 08 EXTENSION SCHEDULE OF UNDERLYING INSURANCE POLICIES SX 80 02 04 05 UMBRELLA LIABILITY POLICY PROVISIONS SX 02 42 03 17 AMENDMENT OF CONDITIONS - CALIFORNIA SX 21 04 06 97 EXCLUSION - CARE, CUSTODY OR CONTROL OF PERSONAL PROPERTY SX 21 05 06 97 EXCLUSION - CARE, CUSTODY OR CONTROL OF REAL PROPERTY SX 21 10 06 97 EXCLUSION - AIRCRAFT PRODUCTS SX 21 77 03 19 EXCLUSION - EMPLOYEE INJURY (WITH CONTRACTUAL LIABILITY EXCEPTION) SX 21 82 10 08 ABSOLUTE LEAD EXCLUSION SX 21 94 03 17 EXCLUSION - UNMANNED AIRCRAFT SX 22 95 10 08 LIMITATION OF COVERAGE - TECHNOLOGY SERVICES SX 23 15 12 15 EXCLUSION - ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA RELATED LIABILITY WITH SX 24 01 04 01 FOLLOWING FORM ENDORSEMENT - AUTOMOBILE LIABILITY SX 24 33 06 10 FOLLOWING FORM ENDORSEMENT - PERSONAL & ADVERTISING INJURY G-4159-0 THANK YOU FOR RENEWING (IMPORTANT NOTICE TO OUR POLICY HOLDERS -SPECTRUM RENEWAL PACKAGE) SS 83 76 01 15 DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT SS 88 08 03 12 IMPORTANT NOTICE TO POLICYHOLDERS - CHANGE TO PREMIUM AUDIT REQUIREMENTS SS 89 93 07 16 IMPORTANT NOTICE TO POLICYHOLDERS - THE HARTFORD CYBER CENTER WEBSITE PRODUCER'S FACT SHEET PAGE 2 06/02/22 72 SBA BD5477 DX (08/19/23) PRODUCER' S FACT SHEET (CONTINUED) POL #: 72 SBA BD5477 DX SS 90 30 06 18 IMPORTANT NOTICE TO POLICYHOLDERS - ERISA EMPLOYEE DISH ONESTY SS 12 23 06 11 NOTICE OF CANCELLATION TO CERTIFICATE HOLDER(S) PRODUCER'S FACT SHEET PAGE 3 06/02/22 72 SBA BD5477 DX (08/19/23)