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n'r+ <br /> HISCQXC-Suite Crime Coverage Part <br /> Loss Discovered Policy <br /> C. third, to us for all amounts we paid in settlement of your claim; <br /> d. fourth, to you for the amount of any applicable deductible you paid; and <br /> e. fifth, to you for any loss not covered under this Coverage Part resulting from the <br /> same occurrence. <br /> 2. Accelerated Deductible Recovery: <br /> A percentage of all recoveries under part 1 above will be paid to you in satisfaction of <br /> any deductible. Recoveries will be shared by us and you in the same proportion as the <br /> deductible and the amount of loss we paid under this Coverage Part. <br /> 3. Recoveries under this subsection D do not include any recovery: <br /> a. from insurance, suretyship, reinsurance, security, or indemnity taken for our <br /> benefit; or <br /> b. of original securities after duplicates of them have been issued. <br /> Valuation E. We will determine the value of any loss as follows: <br /> 1. Money: <br /> We will pay for loss of money issued by the United States up to its face value. <br /> At your option, we will pay for loss of money issued by any country other than the <br /> United States at face value in the money issued by that country or in the United States <br /> dollar equivalent. <br /> With respect to Bitcoin or any other digital currency, crypto currency, or electronic <br /> currency, we will pay for loss of such money in the United States dollar equivalent <br /> determined by the exchange rate published by the exchange in which you held such <br /> currency on the date the loss was discovered. However, if you did not hold such <br /> currency in an exchange,we and you will each select an exchange and we will take the <br /> average of the exchange rates posted by each exchange on the date the loss was <br /> discovered. <br /> 2. Securities: <br /> We will pay for loss of securities up to their face value at the close of business on the <br /> date the loss was discovered.At our option,we may pay: <br /> a. the market value of such securities or replace them in kind, and in return you <br /> must assign to us all of your rights, title, and interest in those securities; or <br /> b. the cost of any Lost Securities Bond required in connection with issuing duplicates <br /> of the securities. However,we will pay only up to the amount of the cost of the <br /> bond as would be charged for a bond having a penalty not exceeding the lesser <br /> of: <br /> i. the market value of the securities at the close of business on the date the <br /> loss was discovered; or <br /> ii. the limit of liability applicable to the loss. <br /> However, solely with respect to any loss of securities directly resulting from an <br /> extortion,we will pay the market value of such securities on the date they were <br /> surrendered,and not the date the extortion was discovered. <br /> 3. Other property: <br /> We will pay replacement cost,without deduction for depreciation,for loss of or damage <br /> to other property, or for loss from damage to the premises or its exterior. <br /> However, we will not pay more than the lowest of the following: <br /> a. the cost to replace the lost or damaged property with property of comparable <br /> material and quality and used for the same purpose; <br /> b. the amount you actually incur that is necessary to repair or replace the lost or <br /> damaged property; or <br /> Includes copyrighted material of <br /> Insurance Services Offices, Inc.,with its permission <br /> CSUCRI P0001A CW(12/22) Page 7 of 18 <br />