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<br /> HISCQXC-Suite Crime Coverage Part
<br /> Loss Discovered Policy
<br /> Extortion means a communication directed toward you threatening to:
<br /> 1. inflict bodily harm on you (if you are a sole proprietorship)or any of your employees,
<br /> executive employees, members, managers, or any relative(s)or invitee(s)of any of these
<br /> persons, if such person was captured or allegedly captured in a country not excluded under
<br /> Section VIII. Other provisions affecting coverage, C. Excluded countries for extortion;
<br /> 2. damage the premises or any property within the premises, provided such premises is not
<br /> located in a country excluded under Section VIII. Other provisions affecting coverage, C.
<br /> Excluded countries for extortion;
<br /> 3. introduce a denial of service attack into your computer system;
<br /> 4. contaminate, pollute,or render your products or goods unmarketable; or
<br /> 5. disseminate, divulge, or use your confidential or personal information, another person's or
<br /> organization's confidential or personal information, or any weaknesses in the source code in
<br /> your computer system,
<br /> for the purpose of inducing you to surrender money, securities, or other property.
<br /> Fiduciary means any natural person fiduciary, trustee, administrator, or other plan official,while in the regular
<br /> service of an employee benefit plan, and any other natural person who handles employee
<br /> benefit plan assets(including an employee of a TPA or other vendor)who is required to be
<br /> bonded by the Employee Retirement Income Security Act of 1974(ERISA), as may be amended.
<br /> Financial institution means:
<br /> 1. a bank, savings bank, savings and loan association, trust company, credit union, or similar
<br /> thrift depository institution;
<br /> 2. an insurance company; or
<br /> 3. a stock brokerage firm, mutual fund, liquid assets fund, or similar investment company.
<br /> Financial institution means the interior of that portion of any building occupied by a financial institution, transfer agent
<br /> premises or registrar,or similarly recognized place of safe deposit including a night depository chute,ATM
<br /> owned by such financial institution (wherever located), or safe of such institution.
<br /> Forgery means signing the name of another person or organization with the intent to deceive,whether in
<br /> writing or through an electronic identifier. Forgery does not include a signature which consists in
<br /> whole or in part of one's own name, whether signed with or without authority, in any capacity, and
<br /> for any purpose.
<br /> Funds transfer fraud means a:
<br /> 1. telefacsimile,telephone, or other electronic instruction directing a financial institution or a
<br /> crypto currency exchange or wallet that holds a user's encryption keys to debit a transfer
<br /> account and to transfer, pay, or deliver money or securities from that transfer account,
<br /> which instruction purports to have been transmitted by you, but was in fact fraudulently
<br /> transmitted by someone else without your knowledge or consent; or
<br /> 2. written instruction (other than those described in Insuring agreement B. Forgery) issued to a
<br /> financial institution or a crypto currency exchange or wallet that holds a user's encryption
<br /> keys directing such institution to debit a transfer account and to transfer, pay, or deliver
<br /> money or securities from that transfer account, through an electronic funds transfer system
<br /> at specified times or under specified conditions, which instruction purports to have been
<br /> issued by you, but was in fact issued,forged, or altered by someone else without your
<br /> knowledge or consent.
<br /> Funds transfer fraud does not include any transfer, payment, or delivery of money or securities
<br /> which required you, your employees, your executive employees, or others on your behalf
<br /> (other than the financial institution or crypto currency exchange or wallet)to take any action in
<br /> order the complete the transfer, payment, or delivery of such money or securities.
<br /> Identity fraud means the unlawful and knowing transfer or use of a form of identification belonging to your
<br /> business or any executive employee with the intent to commit, or to aid or abet another to commit,
<br /> any unlawful activity constituting a violation of federal law or a felony under any applicable state or
<br /> Includes copyrighted material of
<br /> Insurance Services Offices, Inc.,with its permission
<br /> CSUCRI P0001A CW(12/22) Page 13 of 18
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