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<br /> HISCQXC-Suite Crime Coverage Part
<br /> Loss Discovered Policy
<br /> Coverage enhancements, B. Claim expenses or D. Identity fraud expenses.
<br /> Legal fees, costs, and 6. fees, costs, and expenses incurred by you which are related to any legal action, except
<br /> expenses amounts covered under Section II. Coverage enhancements, B. Claim expenses, C. Forgery
<br /> claim expenses, or D. Identity fraud expenses.
<br /> Nuclear incident 7. loss resulting from nuclear detonation, nuclear reaction, nuclear radiation, or radioactive
<br /> contamination, however such nuclear detonation, nuclear radiation, nuclear reaction, or
<br /> radioactive contamination may have been caused.
<br /> Prior dishonesty S. loss caused by an employee if you or an executive employee who did not act in collusion
<br /> with the employee learned prior to the policy period that the employee had committed any
<br /> theft, forgery, or other dishonest act prior to the policy period; however, this exclusion will
<br /> not apply if the theft, forgery, or other dishonest act was committed prior to the employee
<br /> becoming your employee and the amount involved in such act did not exceed $10,000.
<br /> Specified acts by employees 9. loss resulting from theft, forgery, extortion, or any other dishonest act committed by your
<br /> employees, managers, directors,trustees, or authorized representatives; however, this
<br /> exclusion will not apply to loss covered under Insuring agreements A. Fidelity or D. Tech
<br /> fraud, 7. Virus Restoration or 8. Licensing Violation.
<br /> War or military action 10. loss resulting from:
<br /> a. war,whether undeclared, or civil war;
<br /> b. warlike action by a military force, including action in hindering or defending against an
<br /> actual or expected attack, by any government, sovereign,or other authority using
<br /> military personnel or other agents; or
<br /> C. insurrection, rebellion, revolution, usurped power,or action taken by a governmental
<br /> authority in hindering or defending against any of these.
<br /> B. Exclusion applicable
<br /> only to Insuring We will have no obligation to pay any sums under Insuring agreement A. Fidelity for any:
<br /> agreement A. Fidelity
<br /> Trading 11. loss resulting from trading,whether in your name or in a genuine or fictitious account;
<br /> however, this exclusion will not apply to direct losses caused by theft or forgery which result
<br /> in improper financial gain to an employee.
<br /> For purposes of this exclusion, direct losses mean only the amount of improper financial gain
<br /> to the employee and do not include salary, commissions,fees, or other compensation,
<br /> including but not limited to promotions and raises associated with employment, paid by you
<br /> to such employee.
<br /> C. Exclusions applicable
<br /> only to Insuring We will have no obligation to pay any sums under Insuring agreement C. Inside and outside loss
<br /> agreement C. Inside for any:
<br /> and outside loss
<br /> Accounting or arithmetic 12. loss resulting from accounting or arithmetic errors or omissions.
<br /> errors or omissions
<br /> Exchanges or purchases 13. loss resulting from the giving or surrendering of property in any exchange or purchase;
<br /> however, this exclusion will not apply to an otherwise covered extortion.
<br /> Fire 14. loss or damage resulting from fire, however caused, except we will pay for otherwise
<br /> covered:
<br /> a. loss of or damage to money or securities; and
<br /> b. loss from damage to a safe or vault.
<br /> Motor vehicles or equipment 15. loss of or damage to motor vehicles, trailers or semi-trailers, or equipment and accessories
<br /> and accessories attached to them.
<br /> Includes copyrighted material of
<br /> Insurance Services Offices, Inc.,with its permission
<br /> CSUCRI P0001A CW(12/22) Page 10 of 18
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