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PROOF OF INSURANCE (2025)
�,.1 DATE (MM/DD/YYY , ►, � CERTIFICATE OF LIABILITY INSURANCE 10/os/2024 ... ........_ ..._.._. _ ��.... .............._ ...._.... .... ..................... _ .......... 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 be endorsed. If SUBROGATIONIS 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). _........................ __. .................. _. rAr1i109ik CONTACT AUTO CLUB INSURANCE AGENCY LLC/PHS=•-- - FAx PHONE (866) 4678730 72253682 (A/C No, Ext): The Hartford Business Service Center 3600 Wiseman Blvd San Antonio, TX 78251 ADDRESS: —._ ....— INSURER(S) AFFORDING COVERAGE NAIC# INSURED ._............... _,...,�.-.. ...................... ............. mmINSURERA: Hartford Underwriters Insurance Company 30104 -............ David Ebeling INSURER.._....._.._ B 3456 LOTUS ST ----, ... ..... - ................ ..... .....,...- �_... ........ IRVINE CA 92606-2117 INSURER C: ' -. INSURER _................................. INSURER E : ...-,-. �........ ..........__.. .... ..M ......................... ---- ..........�..�... INSURER F : COVERAGES CERTIFCCATE NUMBER: 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 CONTRACT OR 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 N _.,LAIMS. REDUCED BY PAID C POLICY __.m._,.._.............. m_. WWW TYPE OF INSURANCE POLICIES. LIMITS SHOWN MAY HAVE BEEN R COMMERCIAL GENERAL LIABILITY S OF SUCH TERMS, EXCLUSIONS AND CONDITIONS INSR ADOL SUBR POLICY EFF POLICY EXP LIMITS LTR ...._. INS �. ............ ....... MMIOO/YYVY .aM,kW4PODIYYYYt. _ EACH OCCURRENCE $2,000,000 CLAIMS -MADE �OCCUR DAMAGE PPM P (APNe p X Drson) $1 $o0W000. Genera Liability M _... ......... A X 72 SBM BF6S2P 11I07/2024 11/07/2025 PERsoNAL a ADV INJURY $2,000,000 GEN°L.AG G.......,�.,.......... ... ....._- REGATELIMITAPPLIESPER-..GENERAL : ENERALAGGREGATE $4,000,000 1_X POLICY �y�y PRO- LOG PRODUCTS-COMP/OPAGG $4,000,000 OTHER: ..............,,..,,....,. —..... ......... ............................ ........,.,...,., � .._.,..,- _............. . COMBINED SINGLE LIMIT AUTOMOBILE LIABILITY ANY AUTO BODILY INJURY (Per person) ALL OWNED SCHEDULED '. BODILY INJURY (Per accident) .AUTOS AUTOS ........ HIRED NON -OWNED ............. PROPERTY DAMAGE AUTOS AUTOS (Per accident) _. ....... ..... �,... _...,,,...m ........... �. �_...,,,�- ,.,....... .......... UMBRELLA LIAB OCCUR EACH OCCURRENCE ...__ _. .._m ....... EXCESS LIAB CLAIMS- AGGREGATE MADE F0 RETENTION $ AND EMPLO .�- ...,_....- ............ �...... .....- WORKERS COMPENSATION PER OTH YERS'LIABILITY _,,STATUTE ANY YINE,LEACH ACCIDENT PROPRIETOR/PARTNER/EXECUTIVE NIA E L m.. OFFICER/MEMBER EXCLUDED? - EASE -EA EMPLOYEE E,.L DISEASE -POLICY .... (Mandatory in NH) .............. IF yes, describe under ICY LIMIT .., DESCRIPTInN OF OPERATIONS,below....... . ............ _ .,......_. __.............. DESCRIPTION OF OPERATIONS/LOCATIONS/ VEHICLES (ACORD 101, Additional Remarks Schedule maybe attached if more space is re�re. -. quired) Those usual to the Insured's Operations. The City of El Segundo its officers, officials, employees and volunteers is additional insured per the Business Liability Coverage Form SS0008 attached to this policy. Coverage is primary and noncontributory per The Business Liability Coverage Part includes a Blanket Additional Insured By Contract Endorsement, Form SL 30 32, attached to this policy. THE CITY OF EL SEGUNDO SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED 350 MAIN ST BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED EL SEGUNDO CA 90245-3813 ONS. IN ACCORDANCE WITH THE POLICY PROV S AUTHORIZED REPRESENTATIVE G- Gr'Q ✓ _........................�.......,.,,... ._..� ..........,,,......, _...._..,.,.,-.,.. - .............,..,� ___ ............ © 1988 2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD Target ProfessionalsTm — Miscellaneous Professional Liability F Renewal Application R1 I Insu=ce Campfty�y Pearm. Nina!; 61615 Plea-s amwo all quaozis Completelly. Thus forrin must kv#- cpmplot t. . sAgned and dated by a partiner, inernber, diredoz or Off1cf-'r of the firm - Ptewc lypc im prIffrL I . M.3Me & Applit-aM 2. Addressr :-456 1-*4,m S1r;ft-1 Ceety, Zip. Irvilm, CA 92,150e,_ 7 e6cphone. 94 5-M 1 A:15 1 'ftbsito: www-ebelkojecnin. cam E-mait 3. Total numbcr d, ompkyyeses 0 A, L-i-A .111 prcjl services for %Orich ccv-rag- x dmwed Prnfessionsl Servace % of Revenues "Lble- 5. Curry the. past tA-elve '12) morW,-ts has tto name of the fi^-- bmin C"n!9ee Or N3& 3 V er Lvavness X] Pio becri wtnifed, merged into or Gon%o;,Wat- od,��th ft- ApplicjnP If 'Yee, Ocase expi;,--ri deb-ohng tiny liaLilifies assumed. S. PTCwidr your Ian's rEndrerlues 32Tbu Mbie, W ne follo,44-lfs year%-- ,fjeXt yeaF., S ThL� Year '5350,000 Last Year -36ZWn 7, Dexrikx- the Iwo (Tj iaN-estcbs or -nropcts during the la*4 yCV:r Mare of Chent vided Revenues jLL SoulhwenA Public kclabQm PuNia ReWrx* OCIO S. T'he tollcwng qu,—:1ions are ap�-ecaUe W PLriwaC*1w-,vw..wk Skn,,�j,-t-01 c-.jwe-aqe cestair, classes of busness may s-7uire addlianal underwroung information. (a) It ytur -h,-n Lses Japtops, are all la.Mps PO*F. wwccd prok*.h-17 0 NJA I Y c--, LJ No (h) Does your firm hav-e a li and Wtffate in D1I&,--e7 -7--1 Yes No (c) Ave wfmec� networ),• security- and privacy policies in Yes No (d) ball pewnal infarambon encrfpted? Yess [JI No (U) Arc ult-% in P1. d Pt -a,--P-- to fe port and respwd tin unauthcAnned atten-gts to a=sz compubcrsy--�--�e,? . cue , Yes No (f) T-st'wmte—J numl-w ut pet-sounally idvMjble X--oras'. N-- S. MW inquiry, do any prartners- membov5. diro-wru. or cff=ers 0 the flan 5ai wfuch cayeage msoug;M, have smow'edge of any incident, a drw-rLsrMzncc. an owarn, or unrelwed lee dr-pute, Ulat may resp-lit in a Clad"? Yv.- NIV 1 3 'Yes" pl—a-se, pfutfde !he-.ZoIba&Mng detaib: Narrw! , Pown.11W t,1;Am;Ant - Alk-gvdmntbqe-� W. Within lic pip *4 lynfc C5) ram, have wcu had anj onlo, =atjan se-curoty, breaches, including unauthor6ed @roe--s, unaLWhorzod Uw, Im-authcrizcd &:dEmule, Vwu&, de mil of servmo-t- attack, theft of daita- fraud, e�ectronnvandalmm, sababyqc, extation or oft-i 0 - - % etuffly &d'ent5, including rtaff cabin for any actual a, potarrba@ corn.p4orrise oi irrion-nation? E] Ytm UX No 111"Yce, plan.-w- picNide., [Po [olloyzfg detsuis Pr�- Namc- • �r-tenbM claimant • alleged damages , Ates RTF 2 Z9f V �- IP2? �) FRAUD STAT EMENT TO TENNESSEY�PPLiCANTS R as a cnnv to kwwinghr pffmide, fake, incompletan or ni ing I SrrrAdn: 16 2A jrsurarCo^,npany for the purpose of deftauding the wrrqxwW Pt-pIbc* krclude inipr&�,nment, fines and denzf irmranccbcndA$ FPJWD STATEMF-NT TO VIRGINIA APPLCANT$ I is a aime to knoWNIV piex inmrTplek- or rms1eading infur-ma-ton tD an imurince comWony %or Me purpose of defrauding the company. Penabes it hide imprwot, M,*s and dental of insu;anre benefift- FRA(Y,0, STATEMENT TO WASHIINGION APPLICANTS I It is a &me to knovAngly pi-ov ide fah6e, incoiTpcte cw mislooding irdurnrabon to an 6isurance company for the puof defruuditag Me company, penal foea irvzfude impriscirmvm4 Rrvs and &-nipl Qff imiaarc(benef&& I dvWe tPa I am 1he authorL:vd agofor IN;- firm lbT ttie purposes of procuring ir*ura.xv W4 '1-1.vq,,- red is appliczton an behalf of the firm and Oz members A-- the aulbortzed ageq I dedaffe that if lha, Fern' cc:any of ift members become ay.%r .0, of any 4ftray-whon lh2t would change artsmers. tumisbed in ffie apq,tadbn, the ft-m. vAll revej4-,uch inloffn3bon ri, wrgbng to the Oxnparl prior W, the cric-n-Iry t� &Ae & coverage. On betwS of the applicant fads, r, &&ctare that this spfftatof% inc ludirig aUarhrT1enL-,, supplemuntairy pages and othei exhibits a=rchedw is comphlft paid Ix,,-ect I understand that the applic�AtQn sh;Ai,, form the 1 of the contmift of ir-,,.rraryce should the G=parq, offer cover;qr,, aW should Ifte rurn accept the Corpnys quouitQn. I g150 gar cie-i-Aand thal cory0ebon of this. appi"an does not bind The Company or broker W peavide insw3nce. THE APPLICATION MUST BE SIGNED BY A PARTNER, MEMBER, DIRECTOR OR OFFICER, OF THT 2" — ---------- TITLE DATE PRINT NAKE ',>age 3 of 3 RTP 2021 KWI 7) FINANCIAL STRENGTH RATINGS RU Insurance Company AM Best: A+ (Superior) Standard & Poor's: A (Strong) Moody's: A2 (Good) Mt. Hawley Insurance AM Best. A+ (Superior) Standard & Poor's: A (Strong) Moody's: A2 (Good) Contractors Bonding AM Best: A+ (Superior) and Insurance Company RLICORP.COM If"1111,11""'if, Mv 6abng,-111 r0ocr M Ps batancos�ieer stronqrh, Muchi AM Sies4 c�ao?gpfizes .1", "Is vo'.M as ifs strong e)pe�atwvg pmAnrnanm, favnrubte basbwss pjuft and very stnmg enrcrprNle risk management — ANI J.,,Ysr Pro,,,ss �MWWTIW 7', 201Q) RLI DIFFERENT WORKS 9025 N. Undbergh Dr. - Peona, IL 61615 0 RLI CORP - RLI-MKSOO (05/21) Policy Number: RTP0044011 RIF NOTICE TO OUR BROKERS AND AGENTS OF OUR CLAIM NOTIFICATION PROCEDURE As part of our continuing effort to provide you with the best service available, ALL CLAIMS, OCCURRENCES, INCIDENTS and LAWSUITS under this policy are to be reported immediately to: RLI Insurance Company Email (preferred): I ew.Clai licor .cap Fax: (866) 692-6796 Phone: (800) 444-0406 Street Address: 9025 N. Lindbergh Drive, Peoria, IL 61615 Mailing Address: P.O. Box 3961, Peoria, IL 61612-3961 When reporting the incident, be prepared to supply a report of claim or the following information, 1. Policy Number 2. Contact Person information (name, address, phone, etc.) 3. Nature of incident 4. Date of incident When reporting multiple incidents, please send each loss notice separately. RIL 2131 (08112) Target Professionals' L "' Miscellaneous Professional Liability RLI Insurance Company Declarations 9025 North Lindbergh Drive Peoria, Illinois 61615 Phone: (309) 692-1000 A stock insurance company, herein called the Insurer. NOTICE: THIS POLICY COVERS ONLY THOSE CLAIMS FIRST MADE AGAINST THE INSURED DURING THE POLICY PERIOD AND FIRST REPORTED TO THE INSURER DURING THE POLICY PERIOD, THE AUTOMATIC EXTENDED REPORTING PERIOD, OR IF APPLICABLE, DURING THE EXTENDED REPORTING PERIOD. DEFENSE COSTS SHALL BE APPLIED AGAINST THE DEDUCTIBLE. PLEASE READ YOUR POLICY CAREFULLY. Policy No.: RTP0044011 Item 1. Named Insured; Ebeling Communications Address: 3456 Lotus Street Irvine, CA 92606 Item 2, Policy Period: From 12:01 A.M. on 11/07/2024 To 12:01 A.M. on 11/0712025 Local time at the address shown in Item 1, Item 3. Limits of Liability: a. $1,000,000 each Claim b, $1,000,000 Aggregate Item 4. Deductible: $1,000 each Claim Item 5, Retroactive Date 11 /07/2008 Item 6. Policy Premium: $1,482 Surcharges: $0 Total Policy + Surcharges: $1,482 Item 7. Forms and Endorsements Effective at Inception: Form Number Form Title RTP 202 (02/17) RLI Application RTP 101 (02117) Target Professional Liability Policy RTP 404 (02/17) California Amendatory Endorsement RTP 631 (02/17) Media/Public Relations Consulting Services RTP 696 (03/22) Social Engineering Exclusion RTP 707 (02/22) Privacy And Network Security Exclusion RTP 709 (02117) Remove Blanket Additional Insured Coverage ILF 0001C (04116) Signature Page - Commercial Lines RTP 100 (02/17) Page 1 of 2 Insured Item 8. Professional Services: Solely in the performance of providing Media/Public Relations Consulting Services Item 9. Extended Reporting Period: 1 year for 65%, 2 years for 125% and 3 years for 180 % of the Annual Policy Premium RTP 100 (02117) Page 2 of 2 Insured Policy Number; RTP0044011 RLI Insurance Company Target ProfessionalSTM — Miscellaneous Professional Liability Policy NOTICE: This Policy covers only those Claims first made against the Insured during the Policy Period and first reported to the Insurer during the Policy Period, the Automatic Extended Reporting Period, or if applicable, during the Extended Reporting Period, pursuant to the terms and conditions of the Policy. In consideration of the payment of the premium and reliance upon all statements made and Information furnished to the Insurer, including the statements made in the Application and all attachments and materials submitted therewith and subject to all the provisions of this Policy, the Insurer agrees as follows: 1. INSURING AGREEMENTS a. The Insurer will pay on behalf of the Insured, Claim Expenses and Damages in excess of the Deductible that the Insured shall become legally obligated to pay because of Claims first made against the Insured during the Policy Period and first reported to the Insurer during the Policy Period, the Automatic Extended Reporting Period, or if applicable, during the Extended Reporting Period, for Wrongful Acts, committed on or subsequent to the Retroactive Date and before the end of this Policy Period, to which this insurance applies. b. The Insurer will pay on behalf of the Insured, Claim Expenses and Damages in excess of the Deductible that the Insured shall become legally obligated to pay because of Claims first made against the Insured during the Policy Period and first reported to the Insurer during the Policy Period, the Automatic Extended Reporting Period, or if applicable, during the Extended Reporting Period, alleging Third Party Discrimination, committed on or subsequent to the Retroactive Date and before the end of this Policy Period, to which this insurance applies. 2. ADDITIONAL COVERAGE EXTENSIONS a. Reimbursement of Expenses The Insurer will reimburse the reasonable expenses incurred by the Insured, including loss of wages, if the Insured is required by the Insurer to attend arbitration or mediation proceedings, trials or hearings in defense of a Claim, in the amount of $250 per day for each Insured who attends such proceedings at the Insurer's request, subject to a maximum of $5,000 per Claim. Payments made pursuant to this provision shall be in addition to the Limits of Liability shown in the Policy Declarations. The Deductible amount stated in the Policy Declarations shall not apply to the payments made by the Insurer pursuant to this provision. b. Marital Estate Extension Subject otherwise to the terms hereof, this Policy shall cover Damages and Claim Expenses as a result of a Claim against the lawful spouse or domestic partner (whether such stature is derived by reason of statutory law, common law, or any other applicable law of any jurisdiction in the world) of the Insured for Claims arising solely out of his or her capacity as the spouse or domestic partner of the Insured, including such Claims that seek Damages recoverable from marital community property, property jointly held by the Insured and the spouse or domestic partner, or property transferred from the Insured to the spouse or domestic partner; provided, however, that this extension shall not afford coverage for Wrongful Acts of the spouse or domestic partner. All terms, conditions and other provisions of this Policy, including any provision(s) regarding the Deductible or the Limits of Liability, which would be applicable to Damages and Claim Expenses incurred by the Insured in such Claim, shall also apply to Damages and Claim Expenses incurred by the spouse or domestic partner in such Claim. 3. DEFENSE AND SETTLEMENT The Insurer has the right and duty to defend any Claim to which this insurance applies, up to the Limit of Liability of the Policy, even if the allegations of the Claim are groundless, false or fraudulent. The duty to defend ends when the Insurer has tendered the remaining Limit of Liability of the Policy to the Named Insured or upon exhaustion of the Limit of Liability of the Policy by payment of Claim Expenses or Damages. The Insurer will pay Claim Expenses RTP 101 (02/17) Page 1 of 10 Insured pursuant to its duty to defend Claims to which the insurance applies. The Insurer has the right to investigate, adjust, defend, appeal and, with the consent of the Named Insured, negotiate the settlement of any Claim whether within or above the Deductible. If the Named Insured refuses to consent to a settlement within the Limit of Liability of the Policy recommended by the Insurer, the Insurer's obligation to all Insureds for Damages and Claim Expenses attributable to such Claim shall be limited to: a. the amount of the covered Damages in excess of the Deductible which the Insurer would have paid in settlement at the time the Named Insured first refused to settle; b. plus covered Claim Expenses incurred up to the date the Named Insured first refused to settle; c. plus seventy-five percent (75%) of covered Claim Expenses and Damages in excess of the first settlement amount recommended by the Insurer to which the Named Insured did not consent. Payment of a., b. and c. above, is the limit of the Insurer's liability under this Policy on any Claim in which the Named Insured fails or refuses to consent to the Insurer's settlement recommendation within the Limit of Liability of the Pol- icy, subject at all times to the Limits of Liability and Deductible provisions. The remaining twenty-five percent (25%) of covered Claim Expenses and Damages in excess of the first settlement amount recommended by the Insurer to which the Named Insured did not consent shall be the obligation of the Named Insured. All Insureds agree to cooperate with the Insurer and provide such assistance and information as the Insurer may reasonably request. Upon the Insurer's request, any Insured shall submit to examination and interrogation by a repre- sentative of the Insurer, under oath if required, and shall attend hearings, depositions, trials and shall assist in the conduct of suits, including but not limited to effecting settlement, securing and giving evidence, obtaining the atten- dance of witnesses, giving written statements to the Insurer's representatives and meeting with such representatives for the purpose of investigation and/or defense, all of the above without charge to the Insurer. All Insureds further agree not to take any action, without the Insurer's prior written consent, which may increase any Insured's or the Insurer's exposure for Claim Expenses or Damages. All Insureds shall execute all papers required and shall do everything that may be necessary to secure and preserve any rights of indemnity, contribution or apportionment which an Insured or the Insurer may have, including the execu- tion of such documents as are necessary to enable the Insurer to bring suit in an Insured's name, and shall provide all other assistance and cooperation which the Insurer may reasonably require. An Insured shall not demand or agree to arbitration or mediation of any Claim after a Claim is made without the prior written consent of the Insurer. An Insured shall not, except at personal cost, make any offer or payment, admit any liability, settle any Claim, assume any°obligation, or incur any expense without the Insurer's prior written consent. Any such offer or payment, admission of liability, settlement, assumption of any obligation, or expense incurred without the Insurer's prior written consent shall be the sole obligation of the Insured. The Insurer will have no obligation to pay Damages or Claim Expenses or to defend any Claim after the Limits of Liability have been exhausted by tendering the remaining Limit of Liability of the Policy to the Named Insured or exhausted by payment of Claim Expenses or Damages. Further, the Insurer has no obligation to apply for or furnish costs of attachment or similar bonds. The Named Insured shall promptly reimburse the Insurer for all Claim Expenses paid or incurred by the Insurer on account of a Claim upon a final judgment or adjudication that the Insurer owes no duty to defend the Claim. 4. DEFINITIONS When used in this Policy: "Bodily Injury" means physical injury, mental anguish, emotional distress, sickness, disease or death of any person. "Circumstance" means any fact, situation, event or occurrence that could reasonably be the basis for a Claim. "Claim" means: a. a demand for money as compensation for a Wrongful Act; or RTP 101 (02/17) Page 2 of 10 Insured b. any civil judicial or administrative proceeding, including a Disciplinary Proceeding,, mediation or arbitration initi- ated against: any Insured seeking to hold such Insured responsible for a Wrongful Act, including any appeal therefrom; or c. any request to toll the statute of limitations relating to a Wrongful Act. A Claim shall be considered first made when any Insured or the Insured's legal representative or agent first receives notice of the Claim. "Claim Expenses" means reasonable and necessary legal fees and expenses incurred by the" Insurer or by any attorney designated by the Insurer to defend any Insured and all other fees, costs, costs of attachment or similar bonds resulting from the investigation, adjustment, defense and appeal of a Claim, but does not include salaries, wages, overhead or benefits expenses of any Insured. The Insurer has no obligation, however, to apply for or furnish costs of attachment or similar bonds. Claim Expenses do not include any fees and expenses incurred prior to the date the Insured first provided notice of a Claim to the Insurer. "Damages" means monetary judgments or settlements, including but not limited to compensatory damages, pre- judgment and post -judgment interest that an Insured is legally obligated to pay, and punitive or exemplary damages to the extent such damages are insurable under applicable law, but shall not mean or include any of the following: a. that portion of any multiplied damage award that exceeds the amount multiplied, criminal or civil fines or penalties imposed by law, taxes, matters deemed uninsurable under the law pursuant to which this Policy shall be con- strued; or b. the return, reduction or dispute over any fees, deposits, expenses, costs, or commissions charged or collected by the Insured. For the purpose of determining the insurability of punitive damages or exemplary damages, the laws of the jurisdiction most favorable to the insurability of such damages shall control that determination, provided that such jurisdiction has a substantial relationship to the Named Insured or to the Claim giving rise to such punitive damages and exemplary damages. "Disciplinary Proceeding" means any proceeding by a licensing board, accreditation body or governmental agency with authority to regulate the Professional Services performed by an Insured or to investigate charges of wrong- doing by an Insured in the rendering or failing to render Professional Services. "Employee" means any full time, part time, leased, or seasonal employee. "Insured" means; a, the Named Insured; b. any past or present principal, partner, officer, director, or Employee of the Named Insured or Subsidiary (and if the Named Insured is a partnership, limited liability partnership or limited liability company, then any general or managing partner or principal thereof), but only with respect to Professional Services performed on behalf of the Named Insured or any Subsidiary; c. any independent contractors who are natural persons, but solely with respect to Professional Services per- formed on behalf of the Named Insured or Subsidiary; d. any Subsidiary, but solely with respect to Wrongful Acts which occur while it is a Subsidiary; e. in the event of bankruptcy, death, incapacity, incompetency, or insolvency of any Insured described in paragraph b. above, such Insured's legal representative while acting within the scope of his or her duties as such; f. any joint venture entered into by the Named Insured or Subsidiary, but solely for the negligence of the Named Insured or Subsidiary in the rendering of Professional Services under the respective joint venture; RTP 101 (02/17) Page 3 of 10 Insured g. any entity whom the Named Insured or Subsidiary is required by written contract to add as an additional insured under this Policy, but solely for Wrongful Acts of the Named Insured or Subsidiary. "Named Insured" means the entity or natural person specified in Item 1. of the Policy Declarations. "Parent Organization" means any entity that owns more than fifty percent (50%) of the Named Insured as of the effective date of this Policy. "Personal Injury" means: a. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy; b. Oral or written publication, in any manner, of material that slanders or libels a person or organization or dis- parages a person's or organization's goods, products or services; c. Oral or written publication, in any manner, of material that violates a person's right of privacy; or d. False arrest, detention or imprisonment. "Policy Period" means the period from the effective date of this Policy to the Policy expiration date as stated in Item 2. of the Declarations or the effective date of cancellation or nonrenewal, if any. Policy Period does not include any Automatic Extended Reporting Period. If the length of the Policy Period is the same as the Policy Year, the terms Policy Period and Policy Year are used interchangeably herein. "Policy Year" means each consecutive twelve (12) months of the Policy Period beginning on the effective date shown in the Declarations. However, if a Policy Year within a Policy Period is modified by an endorsement, then that modified year will be deemed a Policy Year for the purpose of determining the Aggregate Limit of Liability as stated in Item 3. b. of the Policy Declarations. "Professional Services" means services rendered to others for a fee solely in the conduct of the Insured's pro- fession as stated in Item 8. of the Policy Declarations. "Property Damage" means physical injury to tangible property, including the resulting loss of use of that property or loss of use of tangible property which has not been physically injured. "Retroactive Date" means the date specified in Item 5. of the Declarations, "Subsidiary" means any entity, other than a joint venture, of which the Named Insured has an ownership or con- trolling interest of more than fifty percent (50%) before the Policy Period, "Third Party Discrimination" means discrimination on the basis of age, sex, race, color, religion, disability, preg- nancy, familial status, marital status, national origin, sexual preference or other protected class or characteristic established under applicable federal, state or local statute or ordinance by the Insured against any person with whom the Insured interacts while providing Professional Services related to the conduct of the Insured's business. Third Party Discrimination does not include alleged discrimination in connection with the Insured's employment practices. "Wrongful Act" means any actual or alleged error, omission or negligent act, committed solely in the rendering of or failure to render Professional Services by an Insured or any person or entity for which the Insured is legally liable. Wrongful Act also means any actual or alleged error, omission or negligent act committed solely in the rendering of or failure to render Professional Services by an Insured or any person or entity for which the Insured is legally liable and that results in Personal Injury. 5. EXCLUSIONS The Insurer shall not be liable for Damages or Claim Expenses in connection with any Claim arising out of, directly or indirectly resulting from or in consequence of or in any way involving: RTP 101 (02/17) Insured Page 4of10 a. conduct by any Insured that is criminal, fraudulent, dishonest or with the intent to cause damage; however, this Exclusion shall not apply to Claim Expenses incurred until a final judgment or adjudication is rendered against any Insured for such conduct at which time the Insured shall reimburse the Insurer for Claim Expenses paid or incurred on account of such Claim. The Insurer will not defend the Insured in any criminal proceedings. This Exclusion will apply separately to each Insured and will not apply to any Insured who did not commit, par- ticipate in, acquiesce to, or ratify such conduct committed by another Insured. b, the gaining by any Insured of any personal profit, remuneration or advantage to which any Insured was not legally entitled. c, any Claim brought or maintained by, on behalf of, or in the right of: (i) any Insured. However, this Exclusion does not apply to any Claim brought or maintained by, on behalf of, or in the right of any entity whom the Named Insured or Subsidiary is required by written contract to add as an additional insured under this Policy; or (ii) any person or entity related to an Insured through common ownership, control, or management. d, any express warranties or guarantees by any Insured, or liability assumed by any Insured under any contract or agreement, unless an Insured would have been legally liable in the absence of such contract or agreement. e, any Circumstance of which any partner, member, director, or officer of the Insured was aware prior to the effec- tive date of this Policy and could have reasonably expected to give rise to a Claim; or any future Claim or litiga- tion based upon or derived from the same or essentially the same Circumstance; provided that, if this Policy is a renewal of a Policy or Policies previously issued by the Insurer and if the coverage provided by the Insurer was continuous from the effective date of the first such other Policy to the effective date of this Policy, the reference in this Exclusion to "effective date" will mean the effective date of the first Policy under which the Insurer first provided continuous coverage to an Insured. f. any Circumstance or Claim, which prior to the effective date of this Policy was the subject of any notice under any prior insurance policy. g. any actual or alleged Bodily Injury or Property Damage; however, this Exclusion shall not apply to mental anguish or emotional distress in a Claim for Personal Injury. h, any actual or alleged failure to effect or maintain any insurance or bond. i, any actual or alleged activity by any Insured in a fiduciary capacity as respects any employee benefit or pension plan under the Employee Retirement Income Security Act of 1974 (ERISA) or any amendments thereof or similar state, federal or local statutory laws or common law. j. any actual or alleged violation of any securities, antitrust, restraint of trade, unfair trade practices, consumer pro- tection, or other similar law by any person, including but not limited to any Insured. k. any actual or alleged or threatened discharge, dispersal, release or escape of smoke, vapors, soot, fumes, acids, alkalis, toxic chemicals, lead, liquids or gases, waste materials, or other irritants, contaminants or pollutants into or upon land, the atmosphere or any water course or body of water, whether or not such actual, alleged or threatened discharge, dispersal, release or escape is sudden, accidental or gradual in nature, or any cost or expense arising out of any request, demand, or order that an Insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize any pollutants, l.. a Claim asserted by a current, prior, or prospective Employee of an Insured. m. any actual or alleged infringement of any copyright, patent, trademark, trade name, trade dress or service mark; or wrongful appropriation, use, or disclosure of trade secrets by any person, including but not limited to any Insured. n, any actual or alleged failure of any Insured to honor an Insured's cost guarantee or cost estimates for Profes- sional Services rendered or to be rendered. RTP 101 (02/17) Page 5 of 10 Insured o. any actual or alleged rendering or failure to render investment or insurance counseling or advice; the purchase or selling of, or failure to purchase or sell an investment or insurance of any kind; or any Insured's advice, promise(s) or guarantee(s) regarding the future value of any investments or interest rate or rate of return; or any Insured's advice, promise(s) or guarantee(s) regarding the coverage provided or not provided by insurance of any kind. 6. LIMITS OF LIABILITY AND DEDUCTIBLE Regardless of the number of Insureds under this Policy, Claims brought on account of Wrongful Act(s) or otherwise, the Insurer's liability is limited as follows: a. for Claims arising under Insuring Agreement 1. a. of this Policy, the Limit of Liability specified in Item 3. b. of the Policy Declarations as the Aggregate shall be the Insurer's maximum liability for Damages for all Claims during the Policy Year. b. for Claims arising under Insuring Agreement 1. a. of this Policy, the Limit of Liability specified in Item 3. a. of the Policy Declarations as the Limit for each Claim shall be the Insurer's maximum liability for Damages for each Claim during the Policy Year, and subject to the Aggregate Limit of Liability specified in Item 3. b. of the Policy Declarations, c. for Claims arising under Insuring Agreement 1. b. of this Policy, the Insurer's maximum liability for Damages and Claim Expenses shall not exceed $25,000, subject to the Aggregate. Limit of Liability specified in Item 3. b, of the Policy Declarations. d. for Claims arising under Insuring Agreement 1. a. of this Policy, Claim Expenses shall be paid in addition to the Limits of Liability as shown in the Policy Declarations, e. the Deductible amount stated in Item 4. of the Policy Declarations shall apply to Damages and Claim Expenses and shall apply separately to each and every Claim. The Named Insured shall pay the Deductible stated in Item 4. of the Policy Declarations for Damages and Claim Expenses. Subject to the Limits of Liability, the Insurer shall only be liable to pay for Damages and Claim Expenses in excess of such Deductible, and such Deductible shall not be insured under this Policy. f. the Limit of Liability for the Automatic Extended Reporting Period and the Extended Reporting Period, if applica- ble, shall be part of and not in addition to the Limits of Liability specified in Item 3. of the Policy Declarations. g. Claims based upon or arising out of the same Wrongful Act, interrelated Wrongful Acts, or a series of similar or related Wrongful Acts shall be considered a single Claim subject to one Claim Limit and shall be considered first made during the Policy Period, the Automatic Extended Reporting Period or Extended Reporting Period, if appli- cable, in which the earliest Claim arising out of such Wrongful Act(s) was first made and all Damages from such Claims shall be subject to the one Limit of Liability that applies to such earliest Claim, regardless of whether the earliest such Claim predates the Policy Period. h. the Limits of Liability of this Policy apply separately to each consecutive annual period and to any remaining peri- od of less than twelve (12) months, starting with the beginning of the Policy Periods shown in Item 2. of the Policy Declarations, unless the Policy Period is extended after issuance for an additional period of less than twelve (12) months. In that case, the additional period will be deemed part of the last preceding twelve (12) month period for purposes of determining the Limits of Liability. 7. NOTICE a. Each Insured as a condition precedent to the coverage hereunder: (1) shall provide written notice of a Claim as soon as possible, of particulars sufficient to identify the Insured and all reasonably obtainable information with respect to the time, place and particulars thereof, and the names and addresses of available witnesses; (ii) if a Claim is made, the Insured, shall immediately forward to the Insurer every demand, notice, summons, order or other process received by the Insured or the Insured's representative. This requirement continues throughout the life of the Claim. RTP 101 (02/17) Page 6 of 10 Insured b. If any Insured shall commit fraud in proffering any Claim as regards amount or otherwise, the insurance shall become void as to such Insured from the date such fraudulent Claim is proffered. c„ Notice to any Insureds may be given to the Named Insured at the address shown in Item 1. of the Declarations. It is agreed the Named Insured shall act on behalf of all Insureds with respect to the giving and receiving of notice of Claim, Circumstance, or Damages, cancellation or termination, the payment of premiums and the re- ceiving of any return premiums that may become due under this Policy, the negotiation, agreement to and acceptance of any endorsements issued to form a part of this Policy, and the exercising or declining to exercise any right to an Extended Reporting Period. All notices under this Policy shall be in writing and given by prepaid express courier, certified mail, e-mail, or facsimile. Notice to the Insurer of any Claim under this Policy shall be given to: RLI Insurance Company 9025 North Lindbergh Drive Peoria, Illinois 61615-1431 Attention: Claim Department Facsimile: (866) 692-6796 E-mail: new.claim@rlicorp.com All other notices to the Insurer under this Policy shall be given to the same addressee but to the attention of the Underwriting Department. Notice given as described above shall be deemed to be received and effective upon actual receipt thereof by the addressee or one day following the date such notice was sent, whichever is earlier. d. If the Insured first becomes aware of a Circumstance during the Policy Period, for which this Policy may apply, and if during the Policy Period, or the Automatic Extended Reporting Period, or if applicable, during the Extended Reporting Period, the Insured gives prompt written notice, containing details of: (i) the alleged Circumstance and implicated Professional Services; and (ii) the specific nature and extent of the injury or damage which has been sustained; and (iii) how the Insured first became aware of such Circumstance; then any Claim that may subsequently be made against the Insured arising out of such Circumstance shall be deemed to have been made on the date first written notice of the Circumstance was received by the Insurer. If the Policy expires, is cancelled by the Named Insured or is nonrenewed and if no Extended Reporting Period is purchased, the right to give notice of a Circumstance as conferred upon the Insured in this Paragraph shall terminate at the end of the Automatic Extended Reporting Period. If an Extended Reporting Period is purchased, the right to give notice of a Circumstance as conferred upon the Insured in this Paragraph shall terminate no later than the last day of the Extended Reporting Period. 8. CANCELLATION OR NONRENEWAL This Policy shall terminate at the earliest of the following times: a. the effective date of cancellation or nonrenewal specified in a prior written notice by the Named Insured to the I nsurer; b. ten (10) days after the Insurer mailed written notice of cancellation to the Named Insured based upon failure to pay premium due, unless such premium is received by the Insurer prior to such tenth (10th) day; c. at such other time as may be agreed upon in writing by the Insurer and the Named Insured; or d. upon expiration of the Policy Period as set forth in Item 2, of the Declarations of this Policy. The Insurer shall refund the unearned premium computed at customary short rates if this Policy is terminated by the Named Insured. Under any rather circumstances; including, if the Policy is cancelled by the Named Insured due to the closing or sale of the Named l Insured's business or the death of the sole proprietor where the Named Insured is RTP 101 (02/17) Page 7 of 10 Insured sole proprietorship, the refund shall be computed pro rats. Payment or tender of any unearned premium by the Insurer shall not be a condition precedent to the effectiveness of such termination, but such payment shall be made as soon as practicable. 9. AUTOMATIC EXTENDED REPORTING PERIOD AND EXTENDED REPORTING PERIOD Provided the Policy's premium has been paid in full and all the terms of the Policy have been fully complied with, the Named Insured shall be entitled to a sixty (60) day Automatic Extended Reporting Period for no additional premium. This extension shall apply to any Claim first made against an Insured during the Policy Period arising out of Wrongful Acts committed on or subsequent to the Retroactive Date and prior to the end of the Policy Period and first reported to the Insurer, in writing, during the sixty (60) days immediately following the end of the Policy Period. The Automatic Extended Reporting Period shall immediately expire upon the effective date of replacement coverage. b. If the Policy is canceled or nonrenewed for any reason other than nonpayment of premium, the Named Insured may purchase, by paying the additional premium set forth in Item 9. of the Declarations for this Policy, an Ex- tended Reporting Period to report any Claim first made against the Insured during the Extended Reporting Period arising out of Wrongful Acts committed on or subsequent to the Retroactive Date and prior to the end of the Policy Period and first reported to the Insurer, in writing, during the Extended Reporting Period. The ability to purchase an Extended Reporting Period shall immediately expire upon the effective date of replacement coverage. The Named Insured must request the purchase of the Extended Reporting Period, in writing to the Insurer and in accordance with Section 7.c. of this Policy, and pay the additional premium due no later than sixty (60) days after the effective date of such cancellation or nonrenewal. If purchased, the Extended Reporting Period begins on the effective date of cancellation or nonrenewal of the Policy. The Extended Reporting Period will run concurrently with the Automatic Extended Reporting Period. All premiums paid with respect to the Extended Reporting Period shall be deemed fully earned as of the first day of the Extended Reporting Period. The Limit of Liability applicable to the Automatic Extended Reporting Period and Extended Reporting Period will be the Limit of Liability remaining under the terminated Policy or as otherwise required by the regulatory guidelines governing this type of insurance. For the purpose of this Section, any change in premium or terms on renewal shall not constitute a refusal to renew 10. ACQUISITION OR CREATION OF ANOTHER ENTITY If, after the beginning of the Policy Period, the Named Insured: a. acquires substantially all of the assets of another entity, or b. acquires voting securities in another entity or creates another entity, which as a result of such acquisition or creation becomes a Subsidiary; or c. acquires another entity by merger such that the Named Insured is the surviving entity; then the coverage provided under this Policy shall apply to such new creation or acquisition; but only with respect to Wrongful Acts occurring or allegedly occurring after the acquisition, merger or creation. As a condition for any cover- age under this Section 10., if the current year annual gross receipts of the new entity created or acquired under Par- agraphs a., b. or c., above, exceed fifteen percent (15%) of the .current year annual gross receipts of the Named Insured as reflected in the most recent Application on file with the Insurer, then coverage for such newly created or acquired entity will cease ninety (90) days after the effective date of such creation or acquisition unless, within such ninety (90) day period: (i) the Named Insured provides the Insurer with written notice of such creation or acquisition; and (ii) the Named Insured provides the Insurer with such information in connection therewith as the Insurer may deem necessary; and RTP 101 (02/17) Page 8 of 10 Insured (iii) the Named Insured accepts any special terms, conditions, exclusions, or additional premium charge as may be required bythe Insurer; and (iv) the Insurer, in its sole discretion, agrees by written endorsement to provide such coverage. The Named Insured is not required to provide written notice to the Insurer under this Section if: 1. the current year annual gross receipts of the newly created or acquired entity do not exceed fifteen percent (15%) of the current: year annual gross receipts of the Named Insured as reflected in the most recent Application on file with the Insurer; or 2. the creation or acquisition occurs less than ninety (90) days prior to the end of the Policy Period. 11. CHANGE OF CONTROL If, during the Policy Period: a. the Named Insured shall consolidate with or merge into, or sell all or substantially all of its assets to, any other person or organization or group of persons or organizations acting in concert; or b. any person or organization or group of persons or organizations acting in concert shall acquire an amount of the outstanding securities representing more than fifty percent (50%) of the voting power for the election of directors of the Named Insured, or acquires the voting rights of such an amount of such securities; (either of the above events herein referred to as the "Transaction") then this Policy shall continue in full force and effect as to Wrongful Acts committed prior to the effective date of the Transaction, but there shall be no coverage afforded by any provision of this Policy for any Wrongful Act committed after the effective date of the Transaction. The Named Insured shall also have the right to elect the Extended Re- porting Period described in Section 9. of this Policy within thirty (30) days after the effective date of the Transaction. The Named Insured shall give the Insurer written notice of the Transaction as soon as practicable, but not later than thirty (30) days after the effective date of the Transaction, 12. REPRESENTATIONS AND SEVERABILITY The Insureds represent that the particulars and statements contained in the Application and all attachments are true and agree that: a. those particulars and statements are the basis of this Policy and are to be considered as incorporated into and constituting a part of the Policy; b. those particulars and statements are material to the acceptance of the risk assumed by the Insurer; and c. this Policy is issued in reliance upon the truth of such representations. Except for material facts or circumstances known to the person or persons signing the Application, no statement in the Application of knowledge or information possessed by an Insured shall be imputed to any other Insured for the purpose of determining the availability of coverage. 13. SUBROGATION In the event of any payment under this Policy, the Insurer shall be subrogated to the extent of such payment to all the Insureds rights of recovery. The Insureds shall execute and deliver all instruments and papers and do whatever else is necessary to secure and preserve such rights; including the execution of such documents necessary to enable the Insurer to effectively bring suit in the name of the Insureds. Any recoveries will be applied as follows: a. first, to the Insurer up to the amount of its payment for Damages and Claim Expenses; b. then, to the Insured as recovery of Deductible amounts paid as Damages and Claim Expenses. RTP 101 (02/17) Insured Page 9 of 10 14. OTHER INSURANCE This Policy is excess of all other insurance, including but not limited to any insurance under which there is a duty to defend, unless such other insurance is specifically written to be in excess of this Policy. 15. WORLDWIDE TERRITORY Coverage under this Policy shall extend to Wrongful Acts committed anywhere in the world, provided that the Claim is first made against the Insured within the United States of America, its territories or possessions. 16. ADDITIONAL INSURED STATUS FOR PARENT ORGANIZATION The Parent Organization is named as an additional insured, but only as respects Claims first made against the Parent Organization during the Policy Period and first reported to the Insurer during the Policy Period, the Auto- matic Extended Reporting Period or, if applicable, during the Extended Reporting Period, for Wrongful Acts by an Insured, 17. ACTION AGAINST THE INSURER No action shall lie against the Insurer unless as a condition precedent thereto, there shall have been full compliance with all of the terms of this Policy, and until the amount of an Insured's obligation to pay shall have been finally deter- mined either by judgment against the Insured after actual trial or by written agreement of the Insured, the claimant or the claimant's legal representative, and the Insurer. Any person or the legal representatives thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under this Policy to the extent of the insurance afforded by this Policy. No person or entity shall have any aright under this Policy to join the Insurer as a party to any action against the Insured to determine the Insured"s liability, nor shall the Insurer be impleaded by the Insured or their legal representatives. Bankruptcy or insolvency of the Insured, or their successors In interest shall not relieve the Insurer of its obligations hereunder. 18. ASSIGNMENT This Policy and any and all rights hereunder are not assignable without the written consent of the Insurer. 19. CHANGES The terms and conditions of this Policy shall not be waived or changed, except by endorsement issued to form a part of this Policy. 20. TERMS OF POLICY CONFORMED TO STATUTE Terms of this Policy which are in conflict with the statutes of the state wherein this Policy is issued are hereby amended to conform to such statutes. 21. HEADINGS The descriptions in the headings of this Policy are solely for convenience and form no part of the Policy terms and conditions of coverage. 22. LIBERALIZATION If the Insurer adopts any revisions to this Policy during the Policy Year that would broaden coverage without addi- tional premium, the broadened coverage will apply to this Policy at the inception date of the next Policy Year, but it will not apply to Claims that were first made against any Insured prior to the effective date of such revision. This Liberalization provision does not apply to the Insurer's issuance, use, amendment, reformation of, or change to, any endorsement that may be used in connection with the provision of any Professional Liability insurance. 23. ENTIRE AGREEMENT The Insureds agree that this Policy, including the Application, attachments and any endorsements, constitutes the entire agreement between the Insureds and the Insurer or any of its agents relating to this insurance. RTP 101 (02/17) Page 10 of 10 Insured Policy Number: RTP0044011 RLI Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA AMENDATORY ENDORSEMENT The Policy is amended as follows: Section 8. CANCELLATION OR NONRENEWAL, is deleted in its entirety and replaced with the following: "8. CANCELLATION OR NONRENEWAL This Policy shall terminate at the earliest of the following times: a. the effective date of cancellation or nonrenewal specified in a prior written notice by the Named Insured to the Insurer; b. ten (10) days after the Insurer mailed written notice of cancellation to the Named Insured based upon failure to pay premium due; unless such premium is received by the Insurer prior to such tenth (10th) day; c. at such other time as may be agreed upon in writing by the Insurer and the Named Insured; or d. upon expiration of the Policy Period as set forth in Item 2. of the Declarations of this Policy. The Insurer shall refund the unearned premium computed at ninety percent (90%) of pro-rata if this Policy is terminated by the Named Insured. Under any other circumstances; including, if the Policy is cancelled by the Named Insured due to the closing or sale of the Named Insured's business or the death of the sole proprietor where the Named Insured is a sole proprietorship, the refund shall be computed pro rata. Payment or tender of any unearned premium by the Insurer shall not be a condition precedent to the effectiveness of such termination, but such payment shall be made as soon as practicable." RTP 404 (02/17) ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED. Insured Page 1 of 1 Policy Number: RTP0044011 RLI Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY„ MEDIA/PUBLIC RELATIONS CONSULTING SERVICES It is agreed that: 1. Section 4. DEFINITIONS, is amended to include the following: "Media/Public Relations Consulting Services" means: a. the recommendation of matter concerning the interests, activities, operations, products, or services of clients to be uttered, disseminated, published, distributed or advertised; b. the preparation and dissemination of news releases or other printed or broadcasted matter concerning the interests, activities, operations, products or services of clients; c. the researching and reporting of the public's opinion of the interests, activities, operations, products or services of clients; d. the development of marketing strategies, campaigns and special events to promote the interests, services or products of clients; e. assisting clients in securing their personal appearance before trade and professional organizations (either in solo addresses or participation on expert panels) to promote their interests, services or products; f. the representation of clients interests in conducting a program of communications with clients shareholders, investment professionals, the investing public and financial press; g. any other marketing, media or public relations consulting services rendered in connection with the services described in a. through f. above. 2. Section 4. DEFINITIONS, "Personal Injury" is deleted in its entirety and replaced by the following: "Personal Injury" means: a. libel, slander or other defamatory or disparaging material; b. invasion or infringement of the right of privacy, including unwarranted or wrongful publicity or the unlawful use of name or likeness for profit; c. plagiarism, piracy or misappropriation of information or ideas; d. infringement of copyright, title, slogan, trademark, trade name, trade dress or service mark; e. unfair competition by means of the invasion, reproduction, misuse, misappropriation or infringement of literary, artistic or musical property rights of another, f. misstatement or misleading statement as a result of a negligent error or omission in the use of advertising materials. 3. Section 5. EXCLUSIONS, Item m. is deleted in its entirety and replaced by the following: "m. any actual or alleged infringement of any patent; or wrongful appropriation, use, or disclosure of trade secrets by any person, including but not limited to any Insured." RTP 631 (02/17) Page 1 of 2 Insured 4, The Insurer shall not be liable for Damages or Claim Expenses in connection with any Claim brought by any past or present employee, director, officer, partner, member or joint venturer of the Insured or any independent contractor of the Insured, arising out of, directly or indirectly resulting from or in consequence of or in any way involving supplying matter, material or services to the Insured with respect to any property rights in or the use of any literary, musical or other material owned or alleged to be owned by any such party. 5. The Insurer shall not be liable for Damages in connection with any Claim arising out of, directly or indirectly resulting from or in consequence of or in any way involving the issuance of a temporary restraining order or injunction of any kind. ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED, RTP 631 (02117) Page 2 of 2 Insured Policy Number: RTP0044011 It is agreed that: RLI Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SOCIAL ENGINEERING EXCLUSION 1. Section 4. DEFINITIONS, is amended by adding the following: "Social Engineering" means any actual or alleged reliance by any person, entity, or Insured upon a deceptive misrepresentation, which induces any party to transfer, pay, or deliver goods, money, securities, or virtual currency, 2. Section 5. EXCLUSIONS, is amended by adding the following: • any actual or alleged loss of goods, money, securities, or virtual currency resulting from Social Engineering. ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED. RTP 696 (03/22) Page 1 of 1 Insured Policy Number: RTP0044011 RLI Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIVACY AND NETWORK SECURITY EXCLUSION It is agreed that: 1. Section 4. DEFINITIONS, is amended to include the following: "Network Security Breach" means the failure by the Insured, or others acting on behalf of the Insured, to secure the Insured's computer system which results in: a. unauthorized access to, theft, unauthorized copying, or unauthorized use of the Insured's computer system; b. the transmission, implantation, or infection of corrupting, unauthorized, or harmful software code to or from the Insured's computer system; c. a denial of service attack against a third party; d. alteration, destruction, damage, or deletion of electronic data on the Insured's computer system. "Personal Information" means: a. an individual's name, address, telephone number, or email address; b. medical or healthcare data; c. a social security number; d. a driver's license number or any other state identification number; e. a financial account number in combination with any required password, access code or other security code that would permit access to the financial account; f. a credit or debit card number; or g. non-public individually identifiable information, as defined in any applicable Privacy Regulation. "Privacy Breach" means: a. the theft or misappropriation of Private Information while in the care, custody or control of an Insured or a third party from whom the Insured is legally liable; or b. a violation of a Privacy Regulation. "Privacy Regulation" means statutes or regulations regulating the use and protection of Personal Information. RTP 707 (02/22) Page 1 of 2 Insured "Private Information" means: a. Personal Information; or confidential or proprietary business information owned by any person or entity other than an Insured and expressly identified as confidential or proprietary, which is protected under a written non -disclosure agreement or similar written agreement, 2. Section 5. EXCLUSIONS, is amended to include the following: • a Network Security Breach. • a Privacy Breach, ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED. RTP 707 (02/22) Page 2 of 2 Insured Policy Number: RTP0044011 RLI Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY,. REMOVE. BLANKET ADDITIONAL INSURED COVERAGE It is agreed that Section 4. DEFINITIONS, is amended by deleting Item g. from the definition of "Insured" in its entirety. RTP 709 (02/17) ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED, Insured Page 1 of 1 Policy Number: RTP0044011 RLI Insurance Company Peoria, Illinois 61615 STATE OF CALIFORNIA NOTICE TO POLICYHOLDER If you cancel the policy prior to the end of the policy period, the return premium may be calculated other than on a pro rata basis. The premium returned may be reduced by up to 10% of the pro rata return premium and will be calculated at the time of cancellation. UW 20334 (10/11) Page 1 of 1 Insured Policy Number: RTP0044011 SIGNATURE PAGE RLI Insurance Company 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. 9"-" oji�"� Corporate Secretary ILF 0001C (04116) Insured President & COO