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HomeMy WebLinkAboutHERA PROPERTY REGISTRY, LLCINSURANCE ON FILE A-2024-041 WORK MAY PROCEED UNTIL INSURANCE EXPIRES _I 11212,A CITY CA 1 9 2024 AGREEMENT BETWEEN THE CITY OF SANTA ANA AND HERA PROPERTY C•�'Ua.zulinnS REGISTRY, LLC FOR FORECLOSURE, ABANDONED VACANT LOTS, AND STRUCTURE REGISTRATION SERVICES THIS AGREEMENT is made and entered into this 2nd day of April, 2024 by and between Hera Property Registry, LLC, a Florida limited liability company ("Consultant"), and the City of Santa Ana, a charter city and municipal corporation organized and existing under the Constitution and laws of the State of California ("City"). RECITALS A. On October 19, 2023, the City issued Request for Proposal ("RFP") No. 23-133, by which it sought proposals from qualified firms to provide professional services for the Registration and Maintenance of Abandoned and Foreclosed Mortgage Properties (bank - owned), vacant lots (with or without structures), and Historic Properties (bank -owned and privately -owned) within the City of Santa Ana. B. Consultant submitted a responsive proposal that the City selected. Consultant represents that it is able and willing to provide the services described in the scope of work that was included in RFP No. 23-133. C. In undertaking the performance of this Agreement, Consultant represents that it is knowledgeable in its field and that any services performed by Consultant under this Agreement will be performed in compliance with such standards as may reasonably be expected from a professional contracting firm in the field. NOW THEREFORE, in consideration of the mutual and respective promises, and subject to the terms and conditions hereinafter set forth, the parties agree as follows: 1. SCOPE OF SERVICES a. Consultant shall perform during the term of this agreement, the tasks and obligations including all labor, materials, tools, equipment, and incidental customary work required to fully and adequately complete the services described in Exhibit A and Exhibit B, attached hereto and incorporated by reference. 2. COMPENSATION a. City neither warrants nor guarantees any minimum or maximum compensation to Consultant under the term of this Agreement, including any extension periods. Consultant shall only be compensated for actual services performed under the Agreement at the rate structure identified in Exhibit C, attached hereto and incorporated by reference. b. Consultant shall receive and process all property registration fees, including Page 1 of 9 payments, and provide monthly remittance of the City's portion of all registration fees by the tenth of each month along with a monthly remittance report. 3. TERM This Agreement shall commence on the date first written above and continue for a three (3) year term ending on April 1, 2027, with the option for the City to grant up to two (2) additional one (I) -year renewals, exercisable by a writing by the City manager and the City Attorney, unless terminated earlier in accordance with Section 16, below. The total term of the awarded agreement shall not exceed five (5) years. 4. INDEPENDENT CONTRACTOR Consultant shall, during the entire term of this Agreement, be construed to be an independent contractor and not an employee of the City. This Agreement is not intended nor shall it be construed to create an employer -employee relationship, a joint venture relationship, or to allow the City to exercise discretion or control over the professional manner in which Consultant performs the services which are the subject matter of this Agreement; however, the services to be provided by Consultant shall be provided in a manner consistent with all applicable standards and regulations governing such services. Consultant shall pay all salaries and wages, employer's social security taxes, unemployment insurance and similar taxes relating to employees and shall be responsible for all applicable withholding taxes. 5. OWNERSHIP OF MATERIALS This Agreement creates a non-exclusive and perpetual license for City to copy, use, modify, reuse, or sublicense any and all copyrights, designs, and other intellectual property embodied in plans, specifications, studies, drawings, estimates, and other documents or works of authorship fixed in any tangible medium of expression, including but not limited to, physical drawings or data magnetically or otherwise recorded on computer diskettes, which are prepared or caused to be prepared by Consultant under this Agreement ("Documents & Data"). Consultant shall require all subcontractors to agree in writing that City is granted a non-exclusive and perpetual license for any Documents & Data the subcontractor prepares under this Agreement. Consultant represents and warrants that Consultant has the legal right to license any and all Documents & Data. Consultant makes no such representation and warranty in regard to Documents & Data which were provided to Consultant by the City. City shall not be limited in any way in its use of the Documents and Data at any time, provided that any such use not within the purposes intended by this Agreement shall be at City's sole risk. 6. INSURANCE Prior to undertaking performance of work under this Agreement, Consultant shall maintain and shall require its subcontractors, if any, to obtain and maintain insurance as described below: Page 2 of 9 Certificate Holder must be addressed as follows: City of Santa Ana Risk Management Division 20 Civic Center Plaza Santa Ana, CA 92702 Consultant shall procure and maintain for the duration of the contract insurance against claims forinjuries to persons or damages to property which may arise from or in connection with the performance of the work hereunder and the results of that work by the Consultant, its agents, representatives, employees or subcontractors. MINIMUM SCOPE AND LIMIT OF INSURANCE. Coverage shall be at least as broad as: Commercial General Liability (CGL): Insurance Services Office (ISO) Form CG 00 01 covering CGL on an "occurrence" basis, including products and completed operations, property damage, bodily injury and personal & advertising injury with limits no less than $1,000,000 per occurrence. If a general aggregate limit applies, either the general aggregate limit shall apply separately to this project/location (ISO CG 25 03 or 25 04) or the general aggregate limit shall be twice the required occurrence limit. Workers' Compensation insurance as required by the State of California, with Statutory Limits, and Employers' Liability insurance with a limit of no less than $1,000,000 per accident for bodily injury or disease. Professional Liability, with limits no less than $1,000,000 per occurrence or claim, and $2,000,000 policy aggregate. If the Consultant maintains broader coverage and/or higher limits than the minimums shown above, the City requires and shall be entitled to the broader coverage and/or the higher limits maintained by the Consultant. Any available insurance proceeds in excess of the specified minimum limits of insurance and coverage shall be available to the City. Other Insurance Provisions. The insurance policies are to contain, or be endorsed to contain, the following provisions: Additional Insured Status. The City, its officers, officials, employees, and volunteers are to be covered as additional insureds on the CGL policy with respect to liability arising out of work or operations performed by or on behalf of the Consultant including materials, parts, or equipment furnished in connectionwith such work or operations. General liability coverage can be provided in the form of an endorsement to the Consultant's insurance (at least as broad as ISO Form CG 20 10 1185 or if notavailable, through the addition of both CG 20 10, CG 20 26, CG 20 33, or CG 20 38; and CG 2037 if a later edition is used). Primary Coverage. For any claims related to this contract, the Consultant's insurance coverage shall be primary coverage at least as broad as ISO CG 20 01 04 13 as respects the City, its officers, officials, employees, and volunteers. Any insurance or self-insurance maintained by Page 3 of 9 the City, its officers, officials, employees, or volunteers shall be excess of the Consultant's insurance and shall not contribute with it. Notice of Cancellation. Each insurance policy required above shall provide that coverage shall not be canceled, except with notice to the City. Waiver of Subrogation. Consultant hereby grants to City a waiver of any right to subrogation which any insurer of said Consultant may acquire against the City by virtue of the payment of any loss under such insurance. Consultant agrees to obtain any endorsement that may be necessary to affect this waiverof subrogation, but this provision applies regardless of whether or not the City has received a waiver of subrogation endorsement from the insurer. Self -Insured Retentions. Self -insured retentions must be declared to and approved by the City. The City may require theConsultant to purchase coverage with a lower retention or provide proof of ability to pay losses and related investigations, claim administration, and defense expenses within the retention. The policy language shall provide, or be endorsed to provide, that the self - insured retention may be satisfied by either the named insured or City. Acceptability of Insurers. Insurance is to be placed with insurers authorized to conduct business in the state with a current A.M. Best's rating of no less than A:VII, unless otherwise acceptable to the City. Claims Made Policies. If any of the required policies provide coverage on a claims -made basis: • The Retroactive Date must be shown and must be before the date of the contract or the beginning of contract work. Insurance must be maintained and evidence of insurance must be provided for at least five (5) years after completion of the contract of work. If coverage is canceled or non -renewed, and not replaced with another claims -made policy form with a Retroactive Date prior to the contract effective date, the Consultant must purchase "extended reporting" coverage for a minimum of five (5) years after completion of contract work. Verification of Coverage. Consultant shall furnish the City with original Certificates of Insurance including all required amendatory endorsements (or copies of the applicable policy language effecting coverage required by this clause) and a copy of the Declarations and Endorsement Page of the CGL policy listing allpolicy endorsements to City before work begins. However, failure to obtain the required documents prior to the work beginning shall not waive the Consultant's obligation to provide them. The City reserves the right to require complete, certified copies of all required insurance policies, including endorsements required by these specifications, at any time. Subcontractors. Consultant shall require and verify that all subcontractors maintain insurance meeting all the requirements stated herein, and Consultant shall ensure that City is an additional insured on insurance required from subcontractors. Page 4 of 9 Special Risks or Circumstances. City reserves the right to modify these requirements, including limits, based on the nature of therisk, prior experience, insurer, coverage, or other special circumstances. INDEMNIFICATION Consultant agrees to defend, and shall indemnify and hold harmless the City, its officers, agents, employees, consultants, special counsel, and representatives from liability: (1) for personal injury, damages, just compensation, restitution, judicial or equitable relief arising out of claims for personal injury, including death, and claims for property damage, which may arise from the negligent operations of the Consultant or its Consultants, subcontractors, agents, employees, or other persons acting on their behalf which relates to the services described in section 1 of this Agreement; and (2) from any claim that personal injury, damages, just compensation, restitution, judicial or equitable relief is due by reason of the terms of or effects arising from this Agreement. This indemnity and hold harmless agreement applies to all claims for damages, just compensation, restitution, judicial or equitable relief suffered, or alleged to have been suffered, by reason of the events referred to in this Section or by reason of the terms of, or effects, arising from this Agreement. The Consultant further agrees to indemnify, hold harmless, and pay all costs for the defense of the City, including fees and costs for special counsel to be selected by the City, regarding any action by a third party challenging the validity of this Agreement, or asserting that personal injury, damages, just compensation, restitution, judicial or equitable relief due to personal or property rights arises by reason of the terms of, or effects arising from this Agreement. City may make all reasonable decisions with respect to its representation in any legal proceeding. Notwithstanding the foregoing, to the extent Consultant's services are subject to Civil Code Section 2782.8, the above indemnity shall be limited, to the extent required by Civil Code Section 2782.8, to claims that arise of, pertain to, or relate to the negligence, recklessness, or willful misconduct of the Consultant. 8. INTELLECTUAL PROPERTY INDEMNIFICATION Consultant shall defend, indemnify and hold harmless the City, its officers, agents, representatives, and employees against any and all liability, including costs, and attorney's fees, for infringement of any United States' letters patent, trademark, or copyright contained in the work product or documents provided by Consultant to the City pursuant to this Agreement. 9. RECORDS Consultant shall keep records and invoices in connection with the work to be performed under this Agreement. Consultant shall maintain complete and accurate records with respect to the costs incurred under this Agreement and any services, expenditures, and disbursements charged to the City for a minimum period of three (3) years, or for any longer period required by law, from the date of final payment to Consultant under this Agreement. All such records and invoices shall be clearly identifiable. Consultant shall allow a representative of the City to examine, audit, and make transcripts or copies of such records and any other documents created pursuant to this Agreement during regular business hours. Consultant shall allow inspection of all work, data, Page 5 of 9 documents, proceedings, and activities related to this Agreement for a period of three (3) years from the date of final payment to Consultant under this Agreement. 10. CONFIDENTIALITY If Consultant receives from the City information which due to the nature of such information is reasonably understood to be confidential and/or proprietary, Consultant agrees that it shall not use or disclose such information except in the performance of this Agreement, and further agrees to exercise the same degree of care it uses to protect its own information of like importance, but in no event less than reasonable care. "Confidential Information' shall include all nonpublic information. Confidential information includes not only written information, but also information transferred orally, visually, electronically, or by other means. Confidential information disclosed to either party by any subsidiary and/or agent of the other party is covered by this Agreement. The foregoing obligations of non-use and nondisclosure shall not apply to any information that (a) has been disclosed in publicly available sources; (b) is, through no fault of the Consultant disclosed in a publicly available source; (c) is in rightful possession of the Consultant without an obligation of confidentiality; (d) is required to be disclosed by operation of law; or (e) is independently developed by the Consultant without reference to information disclosed by the City. 11. CONFLICT OF INTEREST CLAUSE Consultant covenants that it presently has no interest and shall not have interests, direct or indirect, which would conflict in any manner with performance of services specified under this Agreement. 12. NOTICE Any notice, tender, demand, delivery, or other communication pursuant to this Agreement shall be in writing and shall be deemed to be properly given if delivered in person or mailed by first class or certified mail, postage prepaid, or sent by fax or other telegraphic communication in the manner provided in this Section, to the following persons: To City: City of Santa Ana 20 Civic Center Plaza (M-30) P.O. Box 1988 Santa Ana, CA 92702-1988 Fax: 714- 647-6956 With a copy to: Executive Director Planning and Building Agency City of Santa Ana 20 Civic Center Plaza (M-21) P.O. Box 1988 Santa Ana, CA 92702 Email: PBAAdmin@santa-ana.org Page 6 of 9 To Consultant: Hera Property Registry, LLC Attn: Clifford J. Johnson, CEO 1900 S. Harbor City Blvd., Ste. 211 Melbourne, FL 32901 A party may change its address by giving notice in writing to the other party. Thereafter, any communication shall be addressed and transmitted to the new address. If sent by mail, communication shall be effective or deemed to have been given three (3) days after it has been deposited in the United States mail, duly registered or certified, with postage prepaid, and addressed as set forth above. If sent by fax, communication shall be effective or deemed to have been given twenty-four (24) hours after the time set forth on the transmission report issued by the transmitting facsimile machine, addressed as set forth above. For purposes of calculating these time frames, weekends, federal, state, County or City holidays shall be excluded. 13. EXCLUSIVITY AND AMENDMENT This Agreement represents the complete and exclusive statement between the City and Consultant regarding the subject matter herein, and supersedes any and all other agreements, oral or written, between the parties. In the event of a conflict between the terms of this Agreement and any attachments hereto, the terms of this Agreement shall prevail. This Agreement may not be modified except by written instrument signed by the City and by an authorized representative of Consultant. The parties agree that any terms or conditions of any purchase order or other instrument that are inconsistent with, or in addition to, the terms and conditions hereof, shall not bind or obligate Consultant or the City. Each party to this Agreement acknowledges that no representations, inducements, promises or agreements, orally or otherwise, have been made by any party, or anyone acting on behalf of any party, which are not embodied herein. 14. ASSIGNMENT Inasmuch as this Agreement is intended to secure the specialized services of Consultant, Consultant may not assign, transfer, delegate, or subcontract any interest herein without the prior written consent of the City and any such assignment, transfer, delegation or subcontract without the City's prior written consent shall be considered mull and void. Nothing in this Agreement shall be construed to limit the City's ability to have any of the services which are the subject to this Agreement performed by City personnel or by other consultants retained by City. 15. WAIVER No waiver of breach, failure of any condition, or any right or remedy contained in or granted by the provisions of this Agreement shall be effective unless it is in writing and signed by the party waiving the breach, failure, right or remedy. No waiver of any breach, failure or right, or remedy shall be deemed a waiver of any other breach, failure, right or remedy, whether or not similar, nor shall any waiver constitute a continuing waiver unless the writing so specifies. Page 7 of 9 16. TERMINATION This Agreement may be terminated by the City upon thirty (30) days written notice of termination. In such event, Consultant shall be entitled to receive and the City shall pay Consultant compensation for all services performed by Consultant prior to receipt of such notice of termination, subject to the following conditions: a. As a condition of such payment, the Executive Director may require Consultant to deliver to the City all work product completed as of such date, and in such case such work product shall be the property of the City unless prohibited by law, and Consultant consents to the City's use thereof for such purposes as the City deems appropriate. b. Payment need not be made for work which fails to meet the standard of performance specified in the Recitals of this Agreement. 17. NON-DISCRIMINATION Consultant shall not discriminate because of race, color, creed, religion, sex, marital status, sexual orientation, gender identity, gender expression, gender, medical conditions, genetic information, or military and veteran status, age, national origin, ancestry, or disability, as defined and prohibited by applicable law, in the recruitment, selection, teaching, training, utilization, promotion, termination or other employment related activities or any services provided under this Agreement. Consultant affirms that it is an equal opportunity employer and shall comply with all applicable federal, state and local laws and regulations. 18. JURISDICTION -VENUE This Agreement has been executed and delivered in the State of California and the validity, interpretation, performance, and enforcement of any of the clauses of this Agreement shall be determined and governed by the laws of the State of California. Both parties further agree that Orange County, California, shall be the venue for any action or proceeding that may be brought or arise out of, in connection with or by reason of this Agreement. 19. PROFESSIONAL LICENSES Consultant shall, throughout the term of this Agreement, maintain all necessary licenses, permits, approvals, waivers, and exemptions necessary for the provision of the services hereunder and required by the laws and regulations of the United States, the State of California, the City of Santa Ana and all other governmental agencies. Consultant shall notify the City immediately and in writing of its inability to obtain or maintain such permits, licenses, approvals, waivers, and exemptions. Said inability shall be cause for termination of this Agreement. 20. MISCELLANEOUS PROVISIONS a. Each undersigned represents and warrants that its signature herein below has the Page 8 of 9 A-2024-041 power, authority and right to bind their respective parties to each of the terms of this Agreement, and shall indemnify City fully, including reasonable costs and attomcy's fees, for any injuries or damages to City in the event that such authority or power is not, in fact, held by the signatory or is withdrawn. b. All exhibits referenced herein and attached hereto shall be incorporated as if fully set forth in the body of this Agreement. IN WITNESS WHEREOF, the panics hereto have executed this Agreement the date and year first above written. ATTEST: Jennifer L. City Clgk. APPROVED AS Tt3F( SONIA R. CARVALHO City Attorney B_ onathan T. Martine Assistant City Attorney RECOMMENDED FOR APPROVAL r Minh Thai Executive Director Planning and Building Agency CITY OF SANTA ANA e � Alvaro Nuncz ✓ Acting City Manager HERA PROPERTY REGISTRY, LLC • Page 9 of 9 EXHIBIT A SCOPE OF WORK CITY OF SANTA ANA EXHIBIT A SCOPE OF SERVICES Consultant shall perform services as set forth below: A. Legislation Compliance 1) Comply with the requirements of the City's enacting legislation for the foreclosed, abandoned, vacant lot and structure property registration, Santa Ana Municipal Code Section 8-1982 et seq. B. Website Development 1) Develop a website link to incorporate into the City's existing webpage that meets all of the City's security and anti -viral requirements. 2) Provide a website for the registration of the program in order to enable compliance with City legislation. C. Outreach and Program Registration 1) Proactively contact those that file a public notice of default, foreclosure action, and/or take title to real property via foreclosure or any other legal means for Foreclosed, Abandoned and Vacant Lots (with or without structures). 2) Provide electronic registration for applicants of foreclosured, abandoned, vacant properties/lots, and historic properties in violation of the applicable City Ordinance. 3) Pay for all expenses related to obtaining registration of all foreclosed, abandoned and vacant lots and structured properties and all administrative costs and fees related thereto. 4) Investigate, report, or take corrective measures monthly to update property status of all property electronic registered in compliance with the relevant City Ordinance. D. Payment Collections and Remittance 1) Charge each applicant no more than the amount prescribed by ordinance (per applicant) to register all mortgagees who comply with the ordinance. A non-refundable annual registration fee (amount to be determined) per property shall accompany the registration form or website registration. All fees must be paid directly from the Mortgagee, Servicer, Trustee or Owner. Third party registration fees are not allowed without the consent of the City of Santa Ana or authorized designee. Failure to register abandoned real property on annual basis or any event of non- compliance with enacting legislation shall result in a penalty fee amount prescribed by the ordinance. 2) Remit payment of the registration fee to the City minus the agreed upon consideration to Consultant for services rendered no later than the tenth (101) day of each month. EXHIBIT B CONSULTANT'S PROPOSAL Hera Property Registry, LLC CITY OF SANTA ANA, CALIFORNIA PLANNING AND BUILDING DEPARTMENT, CODE ENFORCEMENT REQUEST FOR PROPOSALS NO. 23-133 FOR FORECLOSURE, ABANDONED VACANT LOTS AND STRUCTURE REGISTRATION SERVICES 4 ifii#iiiiiiWiliq IillllI Im"fl- Date issued: TUESDAY, OCTOBER 19, 2023 Deadline: FRIDAY, NOVEMBER 17, 2023, by 4:00 P.M. Electronically Submitted: http://www.planetbids.com/portaVportal.cfm?CompanviD=20137 By: '44 Hera Property Registry, LLCM. 1900 S. Harbor City Blvd., Suite 211 Melbourne, FL 32901 HERAREGISTRY.COM powered by DKKARD TECHNOLOGIES HERAREGISTRV.COM HELPING BUILD VIBRANT NEIGHBORHOODS Table of Contents 1. STATEMENT OF QUALIFICATIONS (SOQ) a. Cover Letter b. Services Provided c. Agreement Statement d. Firm and Team Experience e. Proposed Work Plan f. References: Attachment B Reference Letters Current Client List 2. COST PROPOSAL Attachment A: Proposer's Certification, Proposal Pricing Attachment C: Proposer's Statement Attachment D: Non -Collusion Affidavit Attachment E: Non -Lobbying Certification Attachment F: Non -Discrimination Certification State of California Statement of Information (Filed 11/2/2023) State of California — HERA Business Registration 1900 S. Harbor City Blvd. Suite 211 Melbourne, FL32901 (321)234-5303 heraregistry.com vpro@heraregistry.com 1 2 3 4 7 16 17 19 rIC 21 22 23 24 25 27 29 Powered by r DECKARD Providerof %rentalscape TECHNOLOGIES IlaHERAREGISTRY.COM HELPING BUILD VIBRANT NEIGHBORHOODS a. COVER LETTER City of Santa Ana Planning and Building Department, Code Enforcement Division M-19 20 Civic Center Plaza Santa Ana, CA 92701 ATTN: Sergio Verino, Code Enforcement Principal Re: Request for Proposals No. 23-133 Foreclosure, Abandoned Vacant Lots and Structure Registration Services Dear Mr. Verino, 1900 S. Harbor City Blvd. Suite 211 Melbourne, FL 32901 (321) 234-5303 heraregistry.com vpro d)heraregistrv.com Hera Property Registry, LLC ("HERA") would like to announce its interest in managing the project as described in the City of Santa Ana's ("City") Request for Proposals for Foreclosure, Abandoned Vacant Lots and Structure Registration Services (RFP No. 23-133). We shall meet or exceed all requirements in the request and will provide all services necessary to create an application for property owners and/or their agents for registration of properties in accordance with the City's requirements. HERA provides property registration services nationwide to local governments. These services are all provided with no upfront expenses as our fees are paid out of registration fees received from responsible parties. HERA can meet the insurance requirements stipulated by the City and is willing to execute a standard agreement with the City. We have the experience and resources necessary to create and maintain registration services for mortgage foreclosure and vacant properties in accordance with the requirements of the State of California and any applicable local Ordinances. Respectfully submitted, Clifford J. Johnson CEO and Contact Person Powered by r DKKARD Provider of rentalscape b. SERVICES PROVIDED Hera Property Registry, LLC provides the software, data collection and analysis, and customer service to provide all services outlined in Section III - Scope of Services and in accordance with the requirements of state laws and Santa Ana Municipal Code Section 8-1982 et seq. (Ordinance No. NS-2993). Our team manages all data in the HERA platform and provides comprehensive revenue and compliance reports to the City. Using the parcel APN, HERA connects foreclosure filings to the county records, with each listing being processed by our machine learning systems. The City has unlimited access to this data, and the data is available for download in XLSX format. HERA shows county APN, owner, and property characteristics per the county records. Upon identifying the registrable properties, and on a continual basis, we shall be fully responsible for the management of foreclosure data for the City, and we ensure data is updated in the HERA portal and newly identified foreclosures are registered and brought into compliance. HERA utilizes Deckard Technologies ("Deckard") to provide real property registration data services with an API upload nightly to the registry. In addition to providing these data services, Deckard also provides real property data nationwide to local governments, particularly through their Rentalscape Short -Term Rental registration program. The City will indeed gain access to a patented proprietary platform as Deckard's system has achieved remarkable advancement and uniqueness, leading to its successful patenting under the title "Detecting and Validating Real Estate Transfer Events Through Data Mining, Natural Language Processing, and Machine Learning," with the reference US Patent No. 20190333175-A1. Deckard's high frequency mining system analyzes every foreclosure listing and associated filings nationwide every day. This system analyzes foreclosure and associated property activity for the City daily and will capture a record of every foreclosure case since the ordinance effective date. We record whether the listing is active and include all information in the filing including the property address, trustee, servicer, bank mortgagee, property preservation company, and most importantly any assignments of mortgage and deeds that either end the obligation or send the property to REO status. We then compare every day of each filing to the previous day. Our artificial intelligence engines then categorize changes as either active or ended obligations to register. The result is a holistic view of foreclosure activity. 04 HERA's CEO, CJ Johnson, through his work with real property registration programs, has an extensive database of over 8,000 responsible parties including mortgagees, trustees, mortgage servicers, and property servicers. CJ has provided foreclosure and vacant property registration and code enforcement services to hundreds of communities to achieve upwards of 95% compliance rates for foreclosure registration ordinances. As an attorney, CJ has conducted thousands of code enforcement hearings for real property registration violations. He has worked with many municipalities across the country developing best practice real property registration ordinances and programs and is one of the most experienced real property registration attorneys nationwide. CJ started HERA Property Registry to help municipalities fight blight issues associated with vacant, abandoned, and foreclosed properties. c. AGREEMENT STATEMENT HERA concurs with all the provisions as contained in EXHIBIT II — Sample Agreement. (The remainder of this page is intentionally left blank.1 3 d. FIRM AND TEAM EXPERIENCE i. A general description of the firm, including size and number of employees working directly with the City on this agreement. HERA is located at 1900 S. Harbor City Blvd., Suite 211, Melbourne, Florida, and will be responsible for providing registration software, software support and training, online registration, reporting, and customer service. HERA started branding last year and was the registration arm for Break Point Law which was established in 2018. We currently have 20 employees and contractors working with us with a combined 60+ years of experience administering property registration programs for communities across the country. Our group works together to provide a cohesive coalition for obtaining data, data analysis, data management, software, collection processes, reporting, and enforcement necessary to provide the City a successful and meaningful property registration program. ii. Firm's nearest address serving the City of Santa Ana and headquarters address Nearest address serving City of Santa Ana: 24385 Jackson Ave. #108h Murrieta, CA 92562 HERA headquarters address: 1900 S. Harbor City Blvd. Ste. 211 Melbourne, FL 32901 iii. Name and contact information of the supervising Project Manager/Principal Agent, to be assigned to the agreement. The Project Manager/Principal Agent shall be the primary contact person to represent your firm and will be the person to conduct the presentation, if invited to an interview. The Project Manager/Principal Agent for the City is: Clifford J. Johnson, CEO Office: (321) 234-5303 Cell: (321) Email: ciohnson(tDheraregistry.com iv. Resumes for all key staff proposed describing relevant experience. Please refer to the following pages containing HERA's Organizational Chart and Team Members' Bios. 4 Organizational Chart HERAREGISTRY.COM I CJ Johnson cm/Founder I Inbpnlor/C. Taam I I Repla4atlon.—h.1. Team I I Cus[omar S.-I.. T.am nffnlrs Financial Controller UI NlnrncY (p . DK KARD T xox�svumn nnolys, Pq F. f.r.eme.l n.aq.((i) as(om.r ser.:a " , 1 Runrosunln,hes (6) f Irm ntlminislrnlor (1) Reb'lunal sales \Idndyer (101 MEET THE HERA TEAM Clifford "CJ" Johnson — Founding Partner/ President/CEO 321-234-5303 I ciohnson(&heraregistrv.com CJ Johnson is one of the country's most experienced attorneys in foreclosed and vacant property registration compliance. CJ is based in Melbourne, Florida and is the founder and CEO of Break Point Law, LLC and Hera Property Registry, LLC. CJ helps lead the company's vacant and foreclosure property registration and enforcement practice. He founded HERA for the specific purpose of providing representation to local governments for foreclosure and vacant property ordinance issues. CJ has established relationships with hundreds of mortgagees and servirers, compiled a database of the best contacts within these organizations, and has recovered millions of dollars on behalf of local governments for unpaid property registration fees and civil penalties. Stan Urban — National Government Affairs Coordinator I National Sales Manager 630.442.42431 surban(cDherareglstry.com Stan Urban is HERA's National Government Affairs Coordinator and National Sales Manager. With over 20 years of experience as an elected municipal official, a municipal administrator, and an Illinois Exclusive Lobbyist, Stan has assisted in developing blighted property registration programs for numerous municipalities. Kevin Sidella — National Municipal Consultant 717.979.9864 1 ksidella(dheraregistry.com Kevin Sidella is HERA's National Municipal Consultant and has over 20 years of municipal experience. Kevin has personally introduced property registration programs to over one hundred municipalities across the country. Kevin has previous experience with the City of Santa Ana on the inception of the City's property registration program. Ynraleyal ll) j Scott Blasie — Government Relations Consultant 661236.17001 sblasie0herarealstrv.com Scott Blasie is an experienced and accomplished Government Relations/Affairs professional to Include a 27-year tenure In the Public Sector as a Code Administrator. Additionally, Scott has over 13 years working with Government clients in adopting, implementing, and monitoring their abandonedtforeclosure property registration programs. This experience spans the Country working on -site and virtually with communities in California. Washington State, New Jersey, New York, Florida, and others. Scott assisted the City of Santa Ana working on -location with staff in training and implementation of their program as well as providing on -site educational sessions during the C.A.C.E.O. training cycles. Tracey Howarth — Director of Community Strategy and Planning 609.828.7905 1 thowarth(a)heraregistry.com Tracey Howarth has a long history in building and leading high -performing, results -driven teams. Tracey worked with staff and local government officials to develop and execute the Vacant & Abandoned Property program, then added the responsibility of managing the Building & Construction Department. As part of the HERA team, Tracey connects with local leaders to share the many benefits of our product portfolio and assists in creating marketing material to be used as presentation tools, communication resources and social media messaging. Eileen Hornbake — Registrations Analysis Team, Sr. Data Analyst/Paralegal 321,312.0242 1 ehornbake(a)heraregistrv.com Eileen Hornbake is HERA's Senior Data Analyst and paralegal and oversees the Registrations Analysis team. Eileen supervises foreclosure and vacant property research, registration monitoring and compliance, and all matters involving administration of the property registration program. Vivian Tordeau — Customer Service Team, Municipal Compliance and Enforcement Liaison 407.340.3489 1 vtordeau(a)heraregistry.com Vivian Tordeau has over 10 years of experience working with local governments and assists our Customer Service team with municipal compliance and enforcement. Vivian ensures that all registrations comply with community requirements, performs outreach to mortgagees, servicers, and their registrants, and oversees quality control for property data in the registry. Cathi Shiflett — Customer Service Team, Government Affairs Coordinator 321.506.20931 cshiflett(a)heraregistry.com Cathi Shiflett has 10 years of experience working with Government clients regarding all aspects of the foreclosed and vacant property registration program from responding to community procurement requests (RFPs) to initial onboarding and software training. She works with all stakeholders to resolve any questions or concerns. Cathi also performs foreclosed and vacant property research. Jorel Sabado— Municipal Engagement Specialist 321.234.5303 ) isabado(dherarenistrv.com Jorel Sabado has over 4 years of experience working in the property registration services market with a focus on building relationships and creating effective solutions to assist communities through their vacant and foreclosure property registrations. His primary objective is to ensure all parties involved understand the importance of the registrations and their direct impact on creating better communities. e. PROPOSED WORK PLAN HERA understands the requirements outlined in Section III - Scope of Services and can provide the software, data collection and analysis, and customer service in accordance with the requirements of state laws and Santa Ana Municipal Code Section 8-1982 et seq. (Ordinance No. NS-2993). OUR PROCE ASSESSMENT We review the City's Ordinances for their Foreclosure Mortgage Properties Registry, identify all past and current registrable properties in the City through our data mining platform and analysis process, and create a database containing all properties with an obligation to register. Review the City's ordinance to ensure compliance with local and state laws; make recommendations for a best practice ordinance if necessary • Use multiple data sources to identify all properties in the City that have an obligation to register and provide all relevant data for the properties (including properties that meet the registration criteria at the time services are contracted) • Data migration: Custom data clean-up and migration from the City's existing registration system will be handled and uploaded by the HERA team • Using their proprietary software, HERA provides a web -based electronic registry and fee payment system for property registration, collection of registration fees, tracking of properties with obligations to register, updating information, and reporting tools • We provide a website link to incorporate into the City's existing webpage that meets all the City's security and anti -viral requirements • Integration: HERA integrates data from all sources into one comprehensive registration database Sample depiction of data from Jacksonville, FL, mapping properties with obligations to register. The different colored dots represent registered and unregistered foreclosures and registered and unregistered vacant properties. • `� ate, ' � A • • � • e„iewm �..nsonaw • . . • • _. • • a. • � � ave aa'a REGISTRATION HERA administers all facets of the registration process, including identifying the responsible parties, proactively contacting those with an obligation to register, collecting all necessary registration information, payment processing, and ongoing monitoring. The City enjoys unlimited user accounts on HERA's government platform. We provide the highest level in information security standards, including multi -factor authentication. 171 IDENTIFY RESPONSIBLE PARTIES AND COLLECT INFORMATION We determine the appropriate party responsible for compliance with the applicable Ordinance and proactively notify the responsible party of their obligations under the Ordinance. We provide all instruction, training, and customer service necessary to facilitate the mortgagee, servicer, or their registrant in registering properties. nnaanmmf.v.-1 Welcome! I t•�1 L- -] Ra ertr,prnP.buV+rsrnr`(ai�edwN V piaM1 Vumr w Fmulourl PmpMa Pey4,tlm ' agmvweeewRrFNnSnFn,'vr A.avrinrvnnxn,wt reNsrnmallbferpew¢uesCp9u'el:ravAPrF C rrev Registration Requirements Let's make sure you have ¢yerymine you nee to apply for a Vixaml or Mortga,ee Property 11,15Vatem, • Reestrmlon Requirements 1 IMwmatlon pn any persM or paspns Mvopretl with the propert/ FaraMReglrtrantorpersorn imvlsM wilhfFe propertylrcluding Mvrtgageei oral Property Marvger,ServlceraM lttzl Pmpeily/; Emerges,y Lmdact. Please provide: Full name • Anysprroanvnamesinsd.ed Email • P deNumber • Mailirq, d ,ess 11e915Vent ] Wmeefi Mahlepropertyregletmtlnnfee The reylsflatian ire Is $300.0o,aM the permit is valid for 6monMs from tlMeofiswarrce. Lateregirtrations insvra 10%late lee iosumederwt rcglz[!/ewnting,at O da(i thday menal uamt0rinterezl permaunry. M¢mire WtSfaMing naWnR PleCerry CAnlncl5 are Incwreaerery,moret than nttheteratlaysircepamsan a.' evikonw yxamy. ,iY i reregiatedrymme l.nn wiWthg eracquldngprvarafingtnegroperty, you will becnarge4 tMNll reglshatlon ltt plus permltks tar etth 6 monN perlodthat haseblaxd tM1is meamyw mry berequiretl [o WYmultlpleregMralkn feesat arc¢ Put",p uth, 3 EnsurathhregislratbnhrompleMwRhlnitl4ays olalry Wngeseruptlahstq Maproperty'sstatm Thismgi atlonmustbemmpleteda thmt0daysofanychamdeeorupdatezmthe Va 'ssatusim1wing • Pm ertyins,smliom • Varffiingthe Property AsumingownershipollM,m dart' (i nometh, • nnaneeam,.ry personorpelzons lmoMeawim lnepraperty 4 MfnMMe nofthepropertymayberegulr d MiospKtlon of the pmperty maybe requmad X there is a default on payments Coupled properties are lminectal aontInk Payment aMva[antpropertles areinzpttled nn a regularbasiz. 5 PleaurmlewtheEmtanprtlFanres rehtlM [oVrantatd Far«wutl pYapNm Please review the Easton ordinarces rela tlrtg m Vxant vtl Fwe[bsM prnpertks axk N All registration data is analyzed against existing data and approved and updated daily. HERA maintains detailed listings of all registrable properties including, at a minimum: • Property identification: address, lot and parcel number, and property owner • Local property manager name and contact information, including mailing address, phone, and email • Mortgagee name and contact information, including mailing address, phone, and email • Mortgagee Servicer name and contact information, including mailing address, phone, and email • Foreclosure Case No. • Occupancy status • Last inspection date 4020 LAVISTA CIR APT 202 •r...•o.w.lme,ar.a National Field R._ 2023-06-23 Rlyam ..PN.w e,m.m.,ei. LI,IL Fema.,,,m nee pmpxny XdA.R, andinmJ V Fde a nnd.FHe C.un.m.n n.Ibky,. de I —Id gme.<nrNrvesl , nt' ImplN br lbdrvwn�mn Fmtlmwe L,XlauJ MMoneryeAcwlr YerwµmnnllLC YMxktl W P�xerlyvmpean NllL/a5 enrynBu Cmuu Wqunpm.m ausmrul Nr'. ysuP.m.,.,,a x.are.1 a.. lxosl ny N.".`nr FoOdot. uC nunvl0u o-/R r;vXy,eoPew Ntid)p5 ng..I.eR. n--Iry PxMyarage.n Ai'O'm I1-1.II Rm.Jyr'..11., a, 11 euv a. P 2023-07.12 $0.00 I.e...P..l.. ml. urmr.,.-le a.y ,.Pon, Canlac6 mAY.MYl61l TM aauaimr rveuonel Flole Rnpl.eanlarvrea eF It-'eo]] bdrPM 13ti..n.. Glommml. NX 0]]43 vpr8ngonNnecem aada.Y151 I. ze.mv.I do PM I.,—� NeO..mF tires 136 Md,na a,L. iddren 1, NX 03]4] .1"Inad, In PM Wri6nRnMlrrc rvrn 0006]9It51 (M21?L1b.0M f9A PHH IAangaye C.ry 14405 Wdlies RO, Sd 2N Howlan. TX 77014 pYnsEeWolaOon.I�pM,e.erse.mm a5fi5035559 10 PAYMENT PROCESSING We collect and remit all registration fees in accordance with City and state requirements. We work with the City to establish an acceptable process for financial remittance and auditing. Each property account in the government portal includes a history of all financial transactions. HERA's integrated payment processing accepts payment using ACH/EFT, debit, or credit card. Importantly, HERA is NACHA and PCI compliant. < 6ra 4020 LAWSTA CIR APT 202 •n:.:.�.1r H.p a. ,.r Transaction History Vnx ass., - . - Lavlemmrnv y0.1111J Eaui L:. .. a.. :,. i._... i... :. Transaction status .'o,ca coossn'saar,. cson rana.a. asa r+m naps $0.00 S]A.]8 .2]W'09 Nnikmanaan Hap. [reJJCmtlporynanlr.:n.reJ .111. 11. no ma..rr$0.0aa.a... r$257.78 L.r,0 -s .11.1 sriaoralandirn. nwaaaau, rrp 1Y.1 is arTrain sz50W a'.. Payment Support: HERA's Customer Service team provides full support for declined payments, refunds, and other assistance needed for facilitating online payments. Securi : Our payment processing complies with NACHA and PC] standards. Additionally, our platform has multiple levels of security measures in place to ensure the protection of your information. ONGOING MONITORING HERA maintains up-to-date and accurate foreclosure data for the City, and continually obtains, reviews, and analyzes this data, monitors ongoing and future obligations to register, and audits registrations to provide monthly reports on registrations paid, compliant properties, and noncompliant properties. v We provide comprehensive compliance reports via the City portal on a monthly basis, or as requested, to facilitate enforcement, compliance, or reconciliation processes. Our team works on a secure shared platform that is accessible by City staff to monitor all activity of foreclosure registration efforts. REMITTANCE, SETTLEMENT AND COMPLIANCE REPORT • This report is delivered monthly and available to City staff for download on demand • Provides all information on properties that were registered within the month including property address and APN, obligation to register dates, registration fees paid, and demographic information for the responsible parties • Provides the current status of a property • Provides information on recent payments made through the registration platform • Provides information on registration periods owed NONCOMPLIANCE REPORT • This report is available on demand or by request • Shows all properties that have not registered in accordance with the Ordinance • Shows registration periods owed along with the associated registration fees owed • Shows gaps in payment so HERA staff can reach out to the responsible party to aid in compliance and secure registrations for the City [The remainder of this page is intentionally left blank] 12 CUSTOMIZED REPORTS • Numerous data filters are available for selection allowing for customized reporting — staff can select property types and status, registration status, responsible parties, and other registration triggers to produce a custom report Il 5032 total properties 1110 NARiIN IMES DR N L 721 ROLANDLAXES DR 11211 BEI.ONT OA. OR I Q0 WESLEV LAY.E OR 452MRLN WREN ORS <Q NANIM LAKER OR W SR MANDY OW(S DR 624 MANDY OA OR ]TO TOWERING ONE50R 12010 OLD ANU RO 12M7 JOANDALE RD CUSTOMER SERVICE Cl. Vower Mep ® 2. 2021 L,bn Loan Som—A LLC � ® 0Y-L'mu1 'lull® 9enM UTAAAm. NA ® 1200.202t ll CmelnalF Mntlll CamFony ® R6OP2U14 llllll� L..,I NA U RUAee V D5.20JO llllll 19 Ud.A11 FNMA) Fannie. r,MM National O Ik Nf New YaA lA:Ilun T,Al l©' 2i-0Sy010 '® 1"7-2D12 FNI.IAj F1m1 Faemal NWLAJI.. lllllll 02.102012 +® 1603.2014 WIMY NA-1 Evd -®ZI 05 Z010 llllll� IB OTM10 Mr CmFar l 2.1RD1B '® Oente[M1eBank NalbnelTrv¢I Gv l Zi-Os2LR0 l IIOI.2011 FNMA I r.mla-FeOerel Nn11-1.. lll� M-QsM10 ® 03 UazOu ENMA1 remle-Fed-1 Neimnal. 0 m-m-M23 v,Irr ,a14 m. Local governments often face challenges, such as insufficient staffing, cumbersome paper -based processes prone to errors, and difficulty locating non -compliant responsible parties. These challenges often result in a substantial loss of funds for the community. Our customer service allows City staff to focus on more high -value services rather than pushing paper so finance leaders can count on more streamlined remittances and increased compliance. Additionally, our legal staff can advise the City on legal requirements relating to vacant property registry issues and work with staff to develop registration compliance and enforcement strategies. All these services are provided with no out-of-pocket expenses to the City. Costs are recovered through a fee sharing agreement. 13 Here's how our support team drives satisfaction and compliance: 1. We provide caring, one-on-one service based in compassion and confidence. 2. Our goal is to make our customers feel heard, respected, and helped as efficiently as possible. 3. We build real rapport with customers while increasing their knowledge about fighting blight in their community. 4. We ensure that you get the information you need, when you need it. 5. We're upbeat, enthusiastic, and we care! HERA CUSTOMER SUCCESS PROVIDES HANDS-ON ASSISTANCE: 1. We provide onboarding training of City staff, and for new staff as necessary. 2. We provide training to mortgagees, servicers, and their registrants to facilitate an intuitive and simple registration process. 3. We can attend City work sessions on foreclosure and real property registration trends and related issues. 4. We participate in real property registration -related events and meetings when requested. 5. We provide reports and assist in preparing real property registration -related presentations when requested to the City and other groups. 6. We work closely with code enforcement to ensure high compliance rates and adherence to all legal requirements. 7. We promptly respond to the City's FOIA requests. HERA BENEFITS FOR CITY STAFF: 1. Increased compliance and maximized revenue by identifying registration gaps 2. Reduced time to collect monies due 3. Reduction of internal costs and resources 4, Automation of tedious staff tasks 5. Compliance enhancement 6. Modernize locally administered real property registration programs and fee collection for the digital era 7. Exact payment amounts remitted automatically (no keying info) - calculates fees and penalties automatically 14 8. Customizable online registration forms configured to City standards 9. Foreclosure filings are standardized and automatically categorized, enabling historical reporting 10. Standardized and integrated credit card and ACH transaction processing 11. Interface with responsible parties to facilitate registration and filing, maintain compliance, educate, and provide general communications All the above project tasks will be completed by HERA with minimal use of City resources. We anticipate the use of City resources for providing initial direction and planning for the registration program, financial or accounting staff to process monthly remittances, and City oversight regarding enforcement. THINGS YOUR STAFF WON'T MISS AFTER USING HERA: 1. Training mortgagees, servicers, and registrants on how to stay compliant with the Ordinance 2. Spending thousands of dollars and hundreds of hours on paper -based mailings and postage 3. Answering phone calls about real property registration and payment issues 4. Using valuable staff time to research the proper responsible party for registration 5. Dealing with bounced checks 6. Having to handle PCI compliance PROJECT SCHEDULE AND TIMELINE HERA anticipates that it will take up to two weeks to customize and onboard the City's foreclosure registration platform. It is anticipated that HERA will begin to notify responsible parties of their obligation to register immediately upon completion of the City's customized registration platform. Initial remittance of registration fees to the City will be expected forty-five (45) to sixty (60) days after award of the contract. [The remainder of this page is intentionally left blank] 15 f. REFERENCES - ATTACHMENT B ATTACHMENT REFERENCES List and describe fully the contracts performed by your firm which demonstrate your ability to provide the supplies, equipment or services included in the scope of the proposal specifications. Attach additional pages if required. The City reserves the right to contact each of the references listed for additional information regarding your firm's qualifications. KEFEKENCE Robert Ownby, Housing Property Customer Name: City of Jacksonville, Florida Contact Individual: Administrator Address: 214 N. Hogan St. Phone Number: (904) 255-8283 Jacksonville, FL 32202 Contract Amount: Ongoing EMAIL: ROwnby@coj.net Year: July 2023 Description of supplies, equipment, or services provided: Administer the City's Foreclosure and Vacant Property Registry Customer Name: Palm Beach County, Florida Contact Individual: Aaron Maharaj, Fiscal Manager Address: 2300 N. Jog Rd., Ste. 2W-27 Phone Number: (561) 233-5017 West Palm Beach, FL 33411 Contract Amount: Ongoing EMAIL: AMaharaj@pbcgov Year: January 2023 Description of supplies, equipment, or services provided: Administer the County's Foreclosure and Vacant Property Registry Customer Name:Town of Oyster Bay, New York Contact Individual: Timothy Zike, Deputy Commissioner Address: 74 Audrey Ave. Phone Number: (516)624-6200 Oyster Bay, NY 11771 EMAIL: tzike@oysterbay-ny.gov Contract Amount: Ongoing Year: September 2023 Administer the Town's Foreclosure and Vacant Description of supplies, equipment, or services provided: Property Registry THIS FORM MUST BE COMPLETED AND INCLUDED WITH THE PROPOSAL. PROPOSALS THAT DO NOT CONTAIN THIS FORM WILL BE CONSIDERED NONRESPONSIVE. Created: 2023-08-27 18:08:01 [EST] (Supp. No. 30, Update 1) Page 3§ of 34 REFERENCE LETTERS Del.....tof rt.J. Date: July 3, 2023 3QNnQ fi msllCin�[ xva„-_�re�J„ga� To: To WhomltMay Concern w.y: P,Im Peach, Fl 53611-2'M1 t`,o i12 335" From: Aaron Maharaj. Fiscal Manager Mann 0iviston 1115300 Planning. Zoning and Building Department Tvmq DY&W 233 5200 s.,naingaiws,m,tssslaa RE: Request for Leiter of Reference for Localgov LLC... l'o dr rnforcrmem 23155vi �. cn nanoR Cemfic.awn 2115525 F0mlmsriaclo p Ofice 211 5045 Eli, L,lMoff1Ce 213 122e I ant writing this letter to you as a recommendation for the contracted w ra s e<aHp:e services provided by Localgov I.I.C. Palm Beach County lass been working with Localgov LI.C. by using their sersices to manage the County's Mortgage Foreclosure Registration ordinance program since January 2023 and have met oure,.pectations. They have been reliable and timely with requested information and their work has relieved the ne" ac,ra cQ"^n mortgage foreclosure tegisuation workload requirements on the County's ato.d of t.fiw . cammi..WQe.s Code Enforcement Division while generating revenue and ensuring properties are incompliance. (i,W h \YCYd.M,VDI Maras,da. Yet. wayv, Name of Community: Palm Beach County n'arixo � H. Contact Name: Aaron Maharaj, Fiscal Manager Mici ix. wmm M.0 srcMward Contact Address: 230D North Jog Rd.. Ste 2%V27 West Palm Beach, Fl. 33411 sarz Boner tmcM Her.,.,o Telephone Number: (561) 233-5017 Ismail Address amaharajrptegov.org cm""h xe a"u Pro, Size of Project/Outcome. The size is based on the number of foreclosures and project is ongoing. Please let us know if you have any questions Sincerely. �4 lr �" /�/r 'e+Eryd! .+rnah PRQUL" 0.'l1M1IG! IM�K)titb] 17 THE CITY OF ERIE OFFICE OF THE CITY CLERK 7o Whoin d May Corvvu loin Writing this letter to you as a recommendahnn rot the sarvices provided by CJ Johnson and his property ragrsbation Inam The City of Erse, Pennsylvsrna has been working wIlh CJ end Ills loom using their toreclosuip registration aodWatd and dnrornnrnnnt services to manage our foreclosed and vacant propnrly ordinance program While workirg With thdin our (,'fly happened to go through a lot of turnover in our Planning Department, but their steady hand tealty helped Implement the program Wall At all hrms,. they have met dr exceeded our expectations their Work nns relwwod uul Ie4W on Inn Cade Entorct?ment offte Wade generating rovenue and ensuring pfaperGes are in camprrance NuineofConlinunity The Gihy of Ens, PA Cuntacl Namv Ctruck Nelson, C;ty Council President Contact Address 526 State Street Eini, PA lele.pin ,o Nurnbrrt tilld0 440.46&1 Email Aduress 0gIyQoAeria pa.us Site 01 Piolet{16rdarnle The rrze is biased on tile number of toreclowileti unit prnlecl Ih ongdlltg Please let us show it you have any questions. Sialcurely ERIE CITY COUNCIL Susannah F'aurkne/ I Jasmine times I Ed ar:eZinsid I Michael Keys I Chunk Nilson I Me TrnoN 1 Melvin Miller spoun 18 Hera Property Registry, LLC Client List as Prime, Subcontractor or Affiliate OE Town of Elsmeir FL City of Boyntap Beach FL City of High Springs FL City of St Augusim FL City of Jacksorivlllo FL Cliy of M+aml FL City of GreenaorLa FL Town or Gutlea Bay FL Village of Palm Springs FL Town of OcQ;3n RICge FL Village of Isiamarada, Vidal FL Village of Vvglnia GaidunG FL Clay County FL City of Dollorn FL Holly Hll FL City or Apopka (Break PtlTt Egh+cc'rr,cnij FL City of Sanford (IlritakP011t 11"ItOTLIUKntl FL Sentinels County FL Palm @each County FL Town of Miami L akea (Break Powti FL B,]diord reunty FL City of Wast Palm Seaah IL City of Molina IL Vlliage of Rim Oravo IL Villag6 of Homer Glen IL City at Rockford IL Evergreen Park Village IL City of Erst Peoria IL Ctty of Weut Peoria IL City of Waukegan. IL Village of Schtlier Park IL Village of Hanna City IL Village of Hiwuad. Heights IL Village of Flossmoor IL Qy of Quincy IL Village of Orland Hills IL City of Burbank IL Villag6 of Homowuod IL Village of Lyriveood IL Village of Mlnooka IL Village of Niles IL Chicago Ridge Village IL City of Prospect Haight - IL Villaga3 6f Tinley Park IL StagerVfllaga IL 'East SL Louis IL farmer C119 IL Unarematy Park IL Maywoejd IL tatty of M000rrib IL Oty of Milavan MI Flint NJ Atlantic Counry Impravama (23 MUPICIpa111*1) NJ Township of Egg H+atbor NJ Townahip of Buana Vl=ta NJ Vrenlnor City NJ City of Northfrold NJ Egg liamcr City NJ Tawnahip or rtarrlition NJ Sarouglr of Buarm NJ Towrl�--hiporMulllaa NJ Voarhaos Twp NJ Elofnu lh of 6erGn NJ Ofty ofAbFucon NJ City of Somors Poini NJ Bait uyh of Folsom NJ Borough of Haddon Heighi NJ Borough of Lawnridu NJ Atlamlic CRY NJ Townshlp Df Waynu NJ Pzimaic Counry NJ Tawnahip of Dopitard NJ t-aatanipiori Tumislilp NJ Borough or Paramus NJ Town of Hsrnrnunton NJ City of Pori Republic NJ Township aF Gnllowoy NJ City of Linwood NJ Towniihlp of Monrae NJ flardyston Township NY Village or Bapylan NY Town of Sslloa NY Village of Hampsload NY Town of Kant NV Incorporalud Village of Lin, NY Tams of Oyslar Bav NY Town of Babylon PA City of Scranton PA City of Bethluhrim PA Swlssvafo Borough PA Chaster City PA Surbugh of Whlt6 Dal PA Mumcipalky of Penn HNIs PA Borough of East Lansdowne PA Tuwnahlp or Darry PA Borough OfLaNsdowaro PA Borough of P6narooh PA West Newton Bamugh PA West MIlrin Borough PA City of York PA Tuwm ililp ar Fontu PA Barrwan of P94slown PA City cd Wrlkas Barre PA Palmer Tuwn hlp PA Bufrttehum Township PA Borough of Maicua Rook PA swamra Tawrfshrp PA City or McKeasport PA Bothel Park municipality PA Buruugm orYs+adun PA SusquehannaTuwmshlp PA 6616vlln Borough PA City of Eastan PA Lowar Paxton TowmNli PA Glly of Erie 19 2. COST PROPOSAL As stated previously, the services are provided with no out-of-pocket expenses to the City. Payment processing and registration payments flow directly to HERA. Registration accounts are posted with payment data within our system. HERA retains $100 of each registration fee collected, and 20% of all penalties and late fees. We remit all registration fees collected monthly in accordance with City requirements, with the payment due by the tenth (10th) day of the month following collection of the fee. We work with the City to establish an acceptable process for financial remittance and auditing. We collect and remit all registration fees in accordance with City and state requirements. We work with the City to establish an acceptable process for financial remittance and auditing. Registration accounts are posted and maintained with payment data within our system. HERA's integrated payment processing accepts payment using ACH/EFT, debit, or credit card, and paper check payments are also accepted. Importantly, HERA is NACHA and PCI compliant. HERA maintains full financial records which shall be made available for audit by the City upon request. HERA acknowledges receipt of Addendum 1 dated November 9, 2023 and our Cost Proposal is reflective of this. [The remainder of this page is intentionally left blank] 20 ACORO°° CERTIFICATE OF LIABILITY INSURANCE DATE (MMR)D/YYYY) lk�- 04/11/2024 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). - - - - The Hartford Miness Service Center 3620 Wiseman Blvd ■ No): J r V V/�✓V�✓J INSURER(S) AFFORDING COVERAGE NAIC# Here Property Registry, LLC INSURER B 1917 S HARBOR CITY BLVD INSURER C MELBOURNE FL 32901-4747 INSURER 0 INSURER E : INSURER F: COVERAGES CERTIFICATE NUMBER- RFVIAHIM Ni IMRFR. THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATEDAOTWITHSTANDING 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 TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSF TYPE OF INSURANCE ADDL SUER POLICY NUMBER POLICY EFF POLICY EXP DNYYYI LIMITS EACH OCCURRENCE $1,000,000 COMMERCIAL GENERAL LIABILITY CLAIMS-MADEEOCCUR DAMAGE TORENTED $1,000.000 X General Liability MED EXP(My one person) $10,000 A X X 76 SBU AY9R14 07/12/2023 07/12/2024 PERSONAL BADV INJURY $1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000,000 X POLICY ❑ PRO- ❑ LOC JECT PRODUCTS - COMP/OP AGG $2,000,000 OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT ?Ea accident) $1,000,000 BODILY INJURY (Per person) ANY AUTO A ALL OWNED SCHEDULED AUTOS AUTOS 76 SBU AY9R14 07/12/2023 07/12/2024 BODILY INJURY(Peracddenl) X HIRED NON -OWNED AUTOS X AUTOS PROPERTY DAMAGE (Per accident) UMBRELLA LIA X OCCUR EACH OCCURRENCE $1,000,000 A EXCESS LIM MADEs- 76 SBU AY9R14 07/12/2023 07/12/2024 AGGREGATE $1,000,000 DED I RETENTION$ 10,000 WORKERS COMPENSATION 1PER OTH- AND EMPLOYERS' LIABILITY STATUTE E.L. EACH ACCIDENT ANY YIN PROPRIETORIPARTNERIEXECUTIVE OFFICERIMEMBER EXCLUDED? NIA E.L. DISEASE -EA EMPLOYEE (Mandatory In NH) If yes, describe under E.L. DISEASE - POLICY LIMIT DESCRIPTION OF OPERATIONS below B FailSafe Technology Errors or Omissions Liability 76 SBU AY9R14 07/12/2023 07/12/2024 Each Wrongful Act Aggregate Limit $1,000,000 $1,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached I more space is required) Those usual to the Insured's Operations. Certificate holder is an additional insured per the Business Liability Coverage Form SL3032 attached to this policy. Waiver of Subrogation applies in favor of the Certificate Holder per the Business Liability Coverage Form SL0000, attached to this policy. Notice of Cancellation will be provided in accordance with Form SL9013, attached to this policy. Ully or Santa Ana SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED Risk Management Division, its officers, BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED officials, employees, and volunteers IN ACCORDANCE WITH THE POLICY PF 20 CIVIC CENTER PI 7 SANTA ANA CA 92701 AUTHORIZED REPRESENTATIVE a:. RkItMimagenedDM91Wl REVIEWED is APPROVED BY.- !f'uean � Caofii��c. A.•jcr Acwala ©1988-2015 ACORD COI Risk Management specialist ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD oO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE " HARTFORD BLANKET ADDITIONAL INSURED BY CONTRACT This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Section C. WHO IS AN INSURED: Additional Insureds When Required By Written Contract, Written Agreement Or Permit The person(s) or organization(s) identified in Paragraphs a. through f. below are additional insureds when you have agreed, in a written contract or written agreement, or when required by a written permit issued by a state or governmental agency or subdivision or political subdivision that such person or organization be added as an additional insured on your Coverage Part, provided the injury or damage occurs subsequent to the execution of the contract or agreement, or the issuance of the permit. A person or organization is an additional insured under this provision only for that period of time required by the contract, agreement or permit. However, no such person or organization is an additional insured under this provision if such person or organization is included as an additional insured by any other endorsement issued by us and made a part of this Coverage Part. The insurance afforded to such additional insured will not be broader than that which you are required by the contract, agreement, or permit to provide for such additional insured. The insurance afforded to such additional insured only applies to the extent permitted by law. The limits of insurance that apply to additional insureds are described in Section D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE. How this insurance applies when other insurance is available to an additional insured is described in the Other Insurance Condition in Section E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS. a. Vendors Any person(s) or organization(s) (referred to below as vendor), but only with respect to "bodily injury" or "property damage" arising out of "your products" which are distributed or sold in the regular course of the vendor's business and only if this Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products -completed operations hazard". (1) The insurance afforded to the vendor is subject to the following additional exclusions: This insurance does not apply to: (a) "Bodily injury" or "property damage" for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement; (b) Any express warranty unauthorized by you; (c) Any physical or chemical change in the product made intentionally by the vendor; (d) Repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; (e) Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products; (f) Demonstration, installation, servicing or repair operations, except such vendor's premises in connection with the sale of the product; va.,R1&Mw%vnadDMskm ` �t RenEwm rvRw® &ABv: I A+k s Acw4le Form SL 30 32 06 21 Ruk Management SpedAist ©2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (g) Products which, after distribution or sale by you, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for the vendor; or (h) 'Bodily injury' or "property damage" arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (i) The exceptions contained in Paragraphs (d) or (f); or (ii) Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. (2) This insurance does not apply to any insured person or organization from whom you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products. b. Lessors Of Equipment (1) Any person or organization from whom you lease equipment; but only with respect to their liability for "bodily injury", "property damage" or "personal and advertising injury' caused, in whole or in part, by your maintenance, operation or use of equipment leased to you by such person or organization. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to any "occurrence" which takes place after you cease to lease that equipment. c. Lessors Of Land Or Premises (1) Any person or organization from whom you lease land or premises, but only with respect to liability arising out of the ownership, maintenance or use of that part of the land or premises leased to you. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a) Any "occurrence" which takes place after you cease to lease that land or be a tenant in that premises; or (b) Structural alterations, new construction or demolition operations performed by or on behalf of such person or organization. d. Architects, Engineers Or Surveyors (1) Any architect, engineer, or surveyor, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury' caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (a) In connection with your premises; (b) In the performance of your ongoing operations performed by you or on your behalf; or (c) In connection with "your work" and included within the "products -completed operations hazard", but only if: (1) The written contract, written agreement or permit requires you to provide such coverage to such additional insured; and (ii) This Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products -completed operations hazard". (2) With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to 'bodily injury', "property damage" or "personal and advertising injury' arising out of the rendering of or the failure to render any professional services, including: (1) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (if) Supervisory, surveying, inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other w hiring, employment, training or monitoring of others by an insured, if y "ac RIAMwugemeetnvision REME &APrRo 13r. Form SL 30 32 06 21 `®' Ruk Management Speu2dist © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. It) ff THE HARTFORD damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service. a. State Or Governmental Agency Or Subdivision Or Political Subdivision Issuing Permit (1) Any state or governmental agency or subdivision or political subdivision, but only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a permit. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a) "Bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the federal government, state or municipality; or (b) "Bodily injury" or "property damage" included within the "products -completed operations hazard". f. Any Other Party (1) Any other person or organization who is not in one of the categories or classes listed above in Paragraphs a. through e. above, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (a) In the performance of your ongoing operations performed by you or on your behalf; (b) In connection with your premises owned by or rented to you; or (c) In connection with "your work" and included within the "products -completed operations hazard", but only if: (i) The written contract, written agreement or permit requires you to provide such coverage to such additional insured; and (ii) This Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products -completed operations hazard". (2) With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of, or the failure to render, any professional architectural, engineering or surveying services, including: (a) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (b) Supervisory, surveying, inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service described in Paragraphs C(2)(a) or f.(2)(b) above. Form SL 30 32 06 21 © 2021, The Hartford 1EDDIWelun iF _� A+� Autwto _91�wm_' Risk Management Spetlr/ist (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE -A HARTFORD COMMON POLICY CONDITIONS All coverages of this Policy are subject to the following conditions: A. CANCELLATION 1. The first Named Insured shown in the Declarations may cancel this Policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this Policy by mailing or delivering to the first Named Insured written notice of cancellation at least: a. 5 days before the effective date of cancellation if any one of the following conditions exists at any building that is Covered Property in this Policy: (1) The building has been vacant or unoccupied 60 or more consecutive days. This does not apply to: (a) Seasonalunoccupancy;or (b) Buildings in the course of construction, renovation or addition. Buildings with 65% or more of the rental units or floor area vacant or unoccupied are considered unoccupied under this provision. (2) After damage by a Covered Cause of Loss, permanent repairs to the building: (a) Have not started; and (b) Have not been contracted for, within 30 days of initial payment of loss. (3) The building has: (a) An outstanding order to vacate; (b) An outstanding demolition order; or (c) Been declared unsafe by governmental authority. (4) Fixed and salvageable items have been or are being removed from the building and are not being replaced. This does not apply to such removal that is necessary or incidental to any renovation or remodeling. (5) Failure to: (a) Furnish necessary heat, water, sewer service or electricity for 30 consecutive days or more, except during a period of seasonal unoccupancy; or (b) Pay property taxes that are owed and have been outstanding for more than one year following the date due. This provision will not apply where you are in a bona fide dispute with the taxing authority regarding payment of such taxes. b. 10 days before the effective date of cancellation if we cancel for nonpayment of premium. c. 30 days before the effective date of cancellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this Policy is canceled, we will send the first Named Insured any premium refund due. Such refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed, proof of mailing will be sufficient proof of notice. Form SC 00 00 10 18 71 Risk Managnnent Diviaim� REVIEWED&APPR=,.,- '' A+� Auvuta AWW Rkk Manrgemeni Spedzlis[ © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD B. CHANGES This Policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this Policy with our consent. This Policy's terms can be amended or waived only by endorsement issued by us and made a part of this Policy. C. CONCEALMENT, MISREPRESENTATION OR FRAUD This Policy is void in any case of fraud by you as it relates to this Policy at any time. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This Policy; 2. The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this Policy. D. EXAMINATION OF YOUR BOOKS AND RECORDS We may examine and audit your books and records as they relate to the Policy at any time during the policy period and up to three years afterward. E. INSPECTIONS AND SURVEYS 1. We have the right but are not obligated to: a. Make inspections and surveys at any time; b. Give you reports on the conditions we find; and c. Recommend changes. 2. Any inspections, surveys, reports or recommendations will relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of any person. We do not represent or warrant that conditions: a. Are safe or healthful; or b. Comply with laws, regulations, codes or standards. 3. This condition applies not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations on our behalf. F. INSURANCE UNDER TWO OR MORE COVERAGES If two or more of this Policy's coverages apply to the same loss or damage, we will not pay more than the actual amount of the loss or damage. G. LIBERALIZATION If we adopt any revision that would broaden the coverage under this Policy without additional premium within 45 days prior to, or at any time during, the policy period, the broadened coverage will immediately apply to this Policy. H. PREMIUMS 1. The first Named Insured shown in the Declarations: a. Is responsible for the payment of all premiums; and b. Will be the payee for any return premiums we pay. 2. The premium shown in the Declarations was computed based on rates in effect at the time the Policy was issued. If applicable, on each renewal, continuation or anniversary of the effective date of th` " - -- ' " premium in accordance with our rates and rules then in effect. 3. With our consent, you may continue this Policy in force by paying a continuation I policy period. The premium must be: Form SC 00 00 10 18 © 2018, The Hartford vyvco REVIEWED tEwEo ugenteranlwefo- &graaav®er. Risk Management Specialist Of (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE A HARTFORD a. Paid to us prior to the anniversary date; and b. Determined in accordance with Paragraph 2. above. Our forms then in effect will apply. If you do not pay the continuation premium, this Policy will expire on the first anniversary date that we have not received the premium. 4. Changes in exposures or changes in your business operation, acquisition or use of locations that are not shown in the Declarations may occur during the policy period. If so, we may require an additional premium. That premium will be determined in accordance with our rates and rules then in effect. I. TRANSFER OF YOUR RIGHTS AND DUTIES UNDER THIS POLICY 1. Your rights and duties under this Policy may not be transferred without our written consent except in the case of death of an individual Named Insured. 2. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. J. PREMIUM AUDIT 1. We will compute all premiums for this Policy in accordance with our rules and rates. 2. The premium amount shown in the Declarations is a deposit premium only. At the close of each policy period, we may do an audit to compute the earned premium for that period. Any additional premium found to be due as a result of the audit are due and payable on notice to the first Named Insured. If the deposit premium paid for the policy term is greater than the earned premium, we will return the excess to the first Named Insured. 3. The first Named Insured must maintain all records related to the coverage provided by this Policy and necessary to finalize the premium audit, and send us copies of the same upon our request. K. PAYMENT OF PREMIUMS If your initial premium payment is by check draft, electronic funds transfer, credit card, debit card, or any other form of remittance, coverage under the Policy is conditioned on payment to us by the financial institution. If the financial institution does not honor such remittance upon presentment, this policy may, at our option, be deemed void from its inception. Our President and Secretary have signed this Policy. Where required by law, the Declarations page has also been countersigned by our duly authorized representative. Kevin Barnett, Secretary Form SC 00 00 10 18 © 2018, The Hartford L M. Ross Fisher, President RiskMwagementDfAsImi e=y+��s a% REVIEWED&APPROVED Er. �. Risk Management Spedalis[ 01 (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ' THE A HARTFORD FLORIDA CHANGES - COMMON POLICY CONDITIONS This endorsement modifies insurance provided under the following: COMMON POLICY CONDITIONS Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following applies to Section A. CANCELLATION: 1. Paragraph 2. is deleted and replaced with the following: a. Cancellation Of Policies In Effect For 90 Days Or Less If this Policy has been in effect for 90 days or less, we may cancel this Policy by mailing or delivering to the first Named Insured written notice of cancellation, accompanied by the specific reasons for cancellation, at least: (1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or (2) 20 days before the effective date of cancellation if we cancel for any other reason, except we may cancel immediately if there has been: (a) A material misstatement or misrepresentation; or (b) A failure to comply with underwriting requirements established by the insurer. b. Cancellation Of Policies In Effect For More Than 90 Days (1) If this Policy has been in effect for more than 90 days, we may cancel this Policy only for one or more of the following reasons: (a) Nonpayment of premium; (b) The Policy was obtained by a material misstatement; (c) In the event of failure to comply within 90 days after the effective date of coverage with underwriting requirements established by us before the effective date of coverage; (d) A substantial change in the risk covered by the Policy; or (e) The cancellation is for all insureds under such policies for a given class of insureds. (2) If we cancel this Policy for any of these reasons, we will mail or deliver to the first Named Insured written notice of cancellation, accompanied by the reasons for cancellation, at least: (a) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or (b) 45 days before the effective date of cancellation if we cancel for any of the other reasons stated in Paragraph A.1.b. 2. Paragraph 3. is deleted and replaced by the following: We will mail or deliver our notice to the first Named Insured at the last mailing address known to us. 3. Paragraph 5. is deleted and replaced by the following: If this Policy is canceled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be prorate. If the first Named Insured cancels, the refund may be less than pro rata. If the return premium is not refunded with the notice of cancellation or when this Policy is returned to us, we will mail the refund within 15 working days after the date cancellation takes effect, unless this is an audit policy. If this is an audit policy, then, subject to your full cooperation with us or our agent in securing the necessary data for audit, we will return any premium refund due within 90 days of the date cancellation takes effect. If our audit is not completed within this time limitation, then we shall accept your own audit, and any premium refund due shall be mailed within 10 working days of receipt of your audit. The cancellation will be effective even if we have not made or offered a refund. Form SC 01 09 10 18 Rrek Management DMsicn ,�'� �REnEwED&APPROVEDBr W Rut Management Speaalut © 2018, The Hartford 01 (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD B. The following provision is added: NONRENEWAL 1. If we decide not to renew this Policy we will mail or deliver to the first Named Insured written notice of nonrenewal, accompanied by the specific reason for nonrenewal, at least 45 days prior to the expiration date of the Policy. 2. Any notice of nonrenewal will be mailed or delivered to the first Named Insured at the last mailing address known to us. If notice is mailed, proof of mailing will be sufficient proof of notice. Risk MwugMedDi ton Ren D & AVPRavm Br. Form SC 01 09 10 18 ` Rak Management SPedakst © 2018, The Hartford 01 (May include copyrighted material of Insurance Services Office, Inc., with its permission) ACORO® CERTIFICATE OF LIABILITY INSURANCE DATEIMMIOOIYYYV) 04/11/2024 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS 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). PRODUCER CONTACT Christine McCrary Closson Insurance Agency, LLC PHONEAIC) 898-2211 FAX (q07(407) 898-1850 o Ext No,: A/C No: 1201 S. Orlando Avenue nooaess: CMcCmryl@Clossonlnsurance.com Suite 200 INSURER(S) AFFORDING COVERAGE NAIC N Winter Park FL 32789 INSURERA: Technology Insurance Company 42376 INSURED INSURER B: TTI$Ura Specialty Insurance CO 16188 Hera Property Registry LLC INSURER C: 19011 S Harbor City Blvd INSURER D: Ste 211 INSURER E Melbourne FL 32901 INSURER F: COVERAGES CERTIFICATE NUMBER: 7.18.23 Master 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 CONTRACTOR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAYBE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE ADUL INSD Bush WVD POLICYNUMBER P LI YEFF MMIDDIYYYY POLICY EXP MMIDDIYYYY LIMITS COMMERCIAL GENERAL LIABILITY CLAIMS -MADE FOCCUR EACH OCCURRENCE $ D PREMISES Eaeccupence $ MED EXP (Any one erson) $ PERSONAL S AOV INJURY $ GEN'LAGGREGATE LIMITAPPLIES PER: POLICY E PRO JECT ❑ LOC GENERALAGGREGATE $ PRODUCTS-COMPIOPAGG IS $ OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accitlent $ BODILY INJURY (Per person) $ ANYAUTO OWNED SCHEDULED AUTOS ONLY AUTOS 80DILV INJURY (Per accident) $ HIRED NON -OWNED AUTOS ONLY AUTOS ONLY PROPERTY DAMAGE Peraociderd $ UMBRELLA LIAR OCCUR EACH OCCURRENCE $ AGGREGATE $ EXCESS LIAR CLAIMS -MADE OEO I I RETENTION $ $ A WORKERS COMPENSATION AND EMPLOYERS' LIABILITY YIN ANY PROPWETORIPARTNEWEXECUTIVE OFFICEWMEMBER EXCLUDED? (Mandatory in NH) If yes, descnlm under DESCRIPTION OF OPERATIONS below NIA Y TWC4295350 07/12/2023 07/12/2024 X/ PER OTH- X STATUTE ER E.L. EACH ACCIDENT $ 1,000,000 E.L. DISEASE -EA EMPLOYEE S 1,000,000 E.L. DISEASE -POLICY LIMIT $ 1,000,000 B Cyber Liability ATB-6740289-01 07/18/2023 07/18/2024 Technology Liability Network Security $1,000,000 $1,000,000 Information Privacy Liabili $1,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached If more space is required) A Blanket Waiver of Subrogation applies to the Workers Compensaiton as required by contract City of Santa Ana, Risk Management Division its officers, officials, and volunteers 20 Civic Center Plaza Santa Ana CA 92702 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PRO) AUTHORIZED REPRESENTATIVE ©1988.2015 ACOF RiskmosigmadDhision REVIEWED 6 APPROVED Sr ®'. ® Risk Management Spedahst ACORD 25 (2016103) The ACORD name and logo are registered marks of ACORD ACORD 25 (2016103) The ACORD name and logo are registered marks of ACORD WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT WC 00 03 13 (Ed. 04-84) We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule. Schedule Any person or organization as required by written contract This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 7/12/2023 Policy No. TWC4295350 Insured HERA PROPERTY REGISTRY LLC Insurance Company Technology Insurance Company, Inc. Countersigned by WC 00 03 13 (Ed.04-84) Endorse^^^' ^ AlUakMwganvdD[Wipn Benesm & Arrow® By. Rgsw�=—, Risk Management Specialist DATE (MM/DD/YYYY) CERTIFICATE OF LIABILITY INSURANCE 06/13/2024 THISCERTIFICATEISISSUEDASAMATTEROFINFORMATIONONLYANDCONFERSNORIGHTSUPONTHECERTIFICATEHOLDER. THISCERTIFICATEDOESNOTAFFIRMATIVELYORNEGATIVELYAMEND,EXTENDORALTERTHECOVERAGEAFFORDEDBYTHE POLICIESBELOW.THISCERTIFICATEOFINSURANCEDOESNOTCONSTITUTEACONTRACTBETWEENTHEISSUINGINSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT:IfthecertificateholderisanADDITIONALINSURED,thepolicy(ies)mustbeendorsed.IfSUBROGATIONISWAIVED, subjecttothetermsandconditionsofthepolicy,certainpoliciesmayrequireanendorsement.Astatementonthiscertificatedoesnot confer rights to the certificate holder in lieu of such endorsement(s). PRODUCERCONTACT NAME: NUTMEG INS AGENCY INC/PHS FAX PHONE (888) 925-3137 76210775 (A/C, No): (A/C, No, Ext): The Hartford Business Service Center Ejhjubmmz!tjhofe! E-MAIL 3600 Wiseman Blvd ADDRESS: San Antonio, TX 78251 Bohjf! INSURER(S) AFFORDING COVERAGENAIC# cz!Bohjf!Bdfwfep! INSURED INSURER A : Hartford Underwriters Insurance Company30104 Hera Property Registry, LLC INSURER B : Hartford Fire Insurance Company19682 1917 S HARBOR CITY BLVD INSURER C : MELBOURNEFL32901-4747 Ebuf;!3135/1:/14! INSURER D: INSURER E : Bdfwfep INSURER F : 26;57;62!.18(11( COVERAGESCERTIFICATE NUMBER:REVISION NUMBER: THISISTOCERTIFYTHATTHEPOLICIESOFINSURANCELISTEDBELOWHAVEBEENISSUEDTOTHEINSUREDNAMEDABOVEFORTHEPOLICYPERIOD INDICATED.NOTWITHSTANDINGANYREQUIREMENT,TERMORCONDITIONOFANYCONTRACTOROTHERDOCUMENTWITHRESPECTTOWHICHTHIS CERTIFICATEMAYBEISSUEDORMAYPERTAIN,THEINSURANCEAFFORDEDBYTHEPOLICIESDESCRIBEDHEREINISSUBJECTTOALLTHE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSRADDLSUBRPOLICY EFFPOLICY EXP POLICY NUMBER TYPE OF INSURANCELIMITS LTRINSRWVD(MM/DD/YYYY)(MM/DD/Y YYY) COMMERCIAL GENERAL LIABILITYEACH OCCURRENCE $1,000,000 DAMAGE TO RENTED CLAIMS-MADEOCCUR $1,000,000 X PREMISES (Ea occurrence) General Liability $10,000 MED EXP (Any one person) X PERSONAL & ADV INJURY $1,000,000 AX76 SBU AY9R1407/12/202407/12/2025 X $2,000,000 GENERAL AGGREGATE GEN'L AGGREGATE LIMIT APPLIES PER: PRO- LOC POLICY $2,000,000 PRODUCTS - COMP/OP AGG X JECT OTHER: COMBINED SINGLE LIMIT AUTOMOBILE LIABILITY $1,000,000 (Ea accident) ANY AUTO BODILY INJURY (Per person) ALL OWNEDSCHEDULED BODILY INJURY (Per accident) A76 SBU AY9R1407/12/202407/12/2025 AUTOSAUTOS HIREDNON-OWNEDPROPERTY DAMAGE XX AUTOSAUTOS(Per accident) OCCUR EACH OCCURRENCE $1,000,000 X UMBRELLA LIAB X CLAIMS- EXCESS LIAB AGGREGATE $1,000,000 76 SBU AY9R1407/12/202407/12/2025 A MADE DED RETENTION$ 10,000 WORKERS COMPENSATIONPEROTH- AND EMPLOYERS' LIABILITYSTATUTEER ANY Y/N E.L. EACH ACCIDENT PROPRIETOR/PARTNER/EXECUTIVE N/ A E.L. DISEASE -EA EMPLOYEE OFFICER/MEMBER EXCLUDED? (Mandatory in NH) E.L. DISEASE - POLICY LIMIT If yes, describe under DESCRIPTION OF OPERATIONS below Each Wrongful Act$1,000,000 FailSafe Technology Errors or B76 SBU AY9R1407/12/202407/12/2025 Aggregate Limit$1,000,000 Omissions Liability DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES(ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Those usual to the Insured's Operations. Certificate holder is an additional insured per the Business Liability Coverage Form SL3032 attached to this policy. Waiver of Subrogation applies in favor of the Certificate Holder per the Business Liability Coverage Form SL0000, attached to this policy. Notice of Cancellation will be provided in accordance with Form SL9013, attached to this policy. CERTIFICATE HOLDERCANCELLATION SHOULDANYOFTHEABOVEDESCRIBEDPOLICIESBECANCELLED City of Santa Ana BEFORETHEEXPIRATIONDATETHEREOF,NOTICEWILLBEDELIVERED Risk Management Division, its officers, IN ACCORDANCE WITH THE POLICY PROVISIONS. officials, employees, and volunteers AUTHORIZED REPRESENTATIVE 20 CIVIC CENTER PLZ SANTA ANA CA 92701 © 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03)The ACORD name and logo are registered marks of ACORD DATE (MM/DD/YYYY) CERTIFICATE OF LIABILITY INSURANCE 09/03/2024 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS 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). CONTACT PRODUCER Erica Livengood NAME: FAX PHONE Closson Insurance Agency, LLC(407) 898-2211(407) 898-1850 (A/C, No): (A/C, No, Ext): E-MAIL 1201 S. Orlando AvenueELivengood@clossoninsurance.com ADDRESS: Suite 200 INSURER(S) AFFORDING COVERAGENAIC # Winter ParkFL32789Technology Insurance Company42376 INSURER A : INSURED At Bay Specialty Insurance Co19607 INSURER B : Hera Property Registry LLC INSURER C : 19011 S Harbor City Blvd INSURER D : Ste 211 INSURER E : MelbourneFL32901 INSURER F : 7.18.24 COVERAGESCERTIFICATE 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 TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. ADDLSUBR INSRPOLICY EFFPOLICY EXP TYPE OF INSURANCELIMITS POLICY NUMBER LTR(MM/DD/YYYY)(MM/DD/YYYY) INSDWVD COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE$ DAMAGE TO RENTED CLAIMS-MADEOCCUR$ PREMISES (Ea occurrence) MED EXP (Any one person)$ PERSONAL & ADV INJURY$ GEN'L AGGREGATE LIMIT APPLIES PER:GENERAL AGGREGATE$ PRO- POLICYLOCPRODUCTS - COMP/OP AGG$ JECT $ OTHER: COMBINED SINGLE LIMIT AUTOMOBILE LIABILITY $ (Ea accident) ANY AUTOBODILY INJURY (Per person)$ OWNEDSCHEDULED BODILY INJURY (Per accident)$ AUTOS ONLYAUTOS HIREDNON-OWNEDPROPERTY DAMAGE $ (Per accident) AUTOS ONLYAUTOS ONLY $ UMBRELLA LIAB OCCUREACH OCCURRENCE$ EXCESS LIAB CLAIMS-MADEAGGREGATE$ DEDRETENTION$$ PEROTH- WORKERS COMPENSATION STATUTEER AND EMPLOYERS' LIABILITY Y / N 1,000,000 ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT$ AN N / A YTWC445379107/12/202407/12/2025 OFFICER/MEMBER EXCLUDED? 1,000,000 (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE$ If yes, describe under 1,000,000 DESCRIPTION OF OPERATIONS belowE.L. DISEASE - POLICY LIMIT$ Technology$1,000,000 Professional Liability BAB-6740289-0207/18/202407/18/2025Information Privacy$1,000,000 Network Security$1,000,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) A Blanket Waiver of Subrogation applies to the Workers Compensaiton as required by contract CERTIFICATE HOLDERCANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. City of Santa Ana, Risk Management Division its officers, officials, employees and volunteers AUTHORIZED REPRESENTATIVE 20 Civic Center Plaza Santa AnaCA92702 © 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03)The ACORD name and logo are registered marks of ACORD THE HARTFORD BUSINESS SERVICE CENTER 3600 WISEMAN BLVD SAN ANTONIO TX 78251June 13, 2024 City of Santa Ana Risk Management Division, its officers, officials, employees, and volunteers 20 CIVIC CENTER PLZ SANTA ANA CA 92701 Account Information: Contact Us Hera Property Registry, LLC Policy Holder Details : Need Help? Chat online or call us at (866) 467-8730. We're here Monday - Friday. EnclosedpleasefindaCertificateOfInsurancefortheabovereferencedPolicyholder.Pleasecontactusifyouhaveany questions or concerns. Sincerely, Your Hartford Service Team WLTR005 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICYWC 00 03 13 (Ed. 04-84) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule. Schedule Any person or organization as required by written contract This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective7/12/2024Policy No.TWC4453791Endorsement No.3 InsuredHERA PROPERTY REGISTRY LLCPremium $474 Insurance CompanyTechnology Insurance Company, Inc. Countersigned by WC 00 03 13 (Ed. 04-84) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - NUCLEAR ENERGY LIABILITY Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A.This insurance does not apply: 1.To any injury or damage: a.WithrespecttowhichaninsuredunderthePolicyisalsoaninsuredunderanuclearenergyliabilitypolicy issuedbyNuclearEnergyLiabilityInsuranceAssociation,MutualAtomicEnergyLiabilityUnderwritersor NuclearInsuranceAssociationofCanada,oranyoftheirsuccessors,orwouldbeaninsuredunderanysuch policy but for its termination upon exhaustion of its limit of liability; or b.Resulting from the "hazardous properties" of "nuclear material" and with respect to which: (1)AnypersonororganizationisrequiredtomaintainfinancialprotectionpursuanttotheAtomicEnergyAct of 1954, or any law amendatory thereof; or (2)Theinsuredis,orhadthispolicynotbeenissuedwouldbe,entitledtoindemnityfromtheUnitedStatesof America,oranyagencythereof,underanyagreemententeredintobytheUnitedStatesofAmerica,or any agency thereof, with any person or organization. 3.UnderanyMedicalPaymentsorMedicalExpensesCoverage,toexpensesincurredwithrespectto"bodilyinjury" resultingfromthe"hazardousproperties"of"nuclearmaterial"andarisingoutoftheoperationofa"nuclear facility" by any person or organization. 4.To any injury or damage resulting from the "hazardous properties" of "nuclear material"; if: a.The "nuclear material": (1)Is at any "nuclear facility" owned by, or operated by or on behalf of, an insured; or (2)Has been discharged or dispersed therefrom; b.The"nuclearmaterial"iscontainedin"spentfuel"or"waste"atanytimewaspossessed,handled,used, processed, stored, transported or disposed of by or on behalf of an insured; or c.Theinjuryordamagearisesoutofthefurnishingbyanyinsuredofany"technologyservices"inconnection with the planning, construction, maintenance, operation or use of any "nuclear facility"; or d.Theinjuryordamagearisesoutofthefurnishingbyaninsuredofservices,materials,partsorequipmentin connectionwiththeplanning,construction,maintenance,operationoruseofany"nuclearfacility";butifsuch facilityislocatedwithintheUnitedStatesofAmerica,itsterritoriesorpossessionsorCanada,thisexclusion (d) applies only to "property damage" to such "nuclear facility" and any property thereat. B.As used in this exclusion, the following definitions apply: 1."Byproductmaterial","sourcematerial"and"specialnuclearmaterial"havethemeaningsgiventotheminthe Atomic Energy Act of 1954 or in any law amendatory thereof. 2."Computer system and network" means: a.Leased or owned computer hardware including mobile, networked, and data storage computing equipment; b.Owned or licensed software; c.Owned websites; d.Leased or owned wireless input and output devices; and e.Electronicbackupfacilitiesanddatastoragerepositoriesemployedinconjunctionwith2.a.through2.d. above. 3."Hazardous properties" include radioactive, toxic or explosive properties. 4."Nuclear facility" means: a.Any "nuclear reactor"; b.Any equipment or device designed or used for: Form SL 20 06 10 18Page1 of2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. (1)Separating the isotopes of uranium or plutonium; (2)Processing or utilizing "spent fuel"; or (3)Handling, processing or packaging "waste", c.Anyequipmentordeviceusedfortheprocessing,fabricatingoralloyingof"specialnuclearmaterial"ifatany timethetotalamountofsuchmaterialinthecustodyoftheinsuredatthepremiseswheresuchequipmentor deviceislocatedconsistsoforcontainsmorethan25gramsofplutoniumoruranium233oranycombination thereof, or more than 250 grams of uranium 235; d.Anystructure,basin,excavation,premisesorplacepreparedorusedforthestorageordisposalof"waste" andincludesthesiteonwhichanyoftheforegoingislocated,alloperationsconductedonsuchsiteandall premises used for such operations. 5."Nuclear material" means "byproduct material", "source material" or "special nuclear material". 6."Nuclearreactor"meansanyapparatusdesignedorusedtosustainnuclearfissioninaself-supportingchain reaction or to contain a critical mass of fissionable material. 7.“Property damage" and injury or damage include all forms of radioactive contamination of property. 8."Spentfuel"meansanyfuelelementorfuelcomponent,solidorliquid,whichhasbeenusedorexposedto radiation in a "nuclear reactor". 9."Technology services" means: a.The following services performed for others: (1)Consulting,analysis,design,installation,training,maintenance,supportandrepairoforon:software, wireless applications, firmware, shareware, networks, systems, hardware, devices or components; (2)Integration of systems; (3)Processing of, management of, mining or warehousing of data; (4)Administration,management,operationorhostingof:anotherparty'ssystems,technologyorcomputer facilities; (5)Website development; website hosting; (6)Internetaccessservices;intranet,extranetorelectronicinformationconnectivityservices;software application connectivity services; (7)Manufacture,sale,licensing,distribution,ormarketingof:software,wirelessapplications,firmware, shareware, networks, systems, hardware, devices or components; (8)Design and development of: code, software or programming; (9)Providing software application: services, rental or leasing; (10)Screening,selection,recruitmentorplacementofcandidatesfortemporaryorpermanentemploymentby others as information technology professionals; (11)"Telecommunication services"; and (12)"Telecommunication products". b.Web-related software and connectivity services performed for others; and c.Activities on the named insured's "computer system and network". 10."Waste" means any waste material: a.Containing“by-productmaterial”otherthanthetailingsorwastesproducedbytheextractionorconcentration of uranium or thorium from any ore processed primarily for its “source material” content; and b.Resultingfromtheoperationbyanypersonororganizationofany"nuclearfacility"includedunderthefirsttwo paragraphs of the definition of "nuclear facility". Form SL 20 06 10 18Page2 of2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION – SILICA – BUSINESS LIABILITY COVERAGE FORM This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A.The following exclusion is added to SectionB. EXCLUSIONS: This insurance does not apply to: Silica Anyinjury,damage,loss,costorexpense,includingbutnotlimitedto"bodilyinjury","propertydamage"or “personal and advertising injury" arising out of, or relating to, in whole or in part, the "silica hazard". B.The following definition is added to SectionF. LIABILITY AND MEDICAL EXPENSES DEFINITIONS: "Silicahazard"meansanexposureto,inhalationoforcontactwith,orthreatofexposureto,inhalationofor contactwith,theactualorallegedpropertiesofsilicaoranysilicacontainingmaterialsandincludesthemere presence of silica or any silica containing materials in any form. Silica includes all forms of the compound silicon dioxide, including, but not limited to, quartz. Form SL 20 78 10 18Page1 of1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION–PERFLUOROALKYLANDPOLYFLUOROALKYLSUBSTANCES (PFAS) This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A.The following exclusion is added to SectionB.EXCLUSIONS: This insurance does not apply to: 1.Anydamages,judgments,settlements,loss,costsorexpenses,oranyotherformofrelief,remedyorrecovery thatmaybeawardedorincurredbyreasonofanyclaimor"suit"allegingactualorthreatenedinjuryordamageof anynatureorkind,including,butnotlimitedto,"bodilyinjury","propertydamage"or"personalandadvertising injury", which arises out of, or relates in any way to "PFAS ", including but not limited to: a.manufacturing,handling,sale,distribution,marketing,installation,repair,removal,abatement,replacement, or handling of “PFAS” or products containing “PFAS”; or b.anactual,allegedorthreateneddischarge,dispersal,seepage,migration,releaseorescapeof"PFAS" whether intentional or unintentional; or c.consumption,absorption,ingestion,presence,inhalationoruseof,contactwithorexposureto,"PFAS”, whether by direct or passive exposure. 2.Any loss, cost or expense arising out of any: a.Request,demand,order,orotherrequirement(whetherstatutoryorregulatory)thatanyinsuredorotherstest for,investigatefor,monitor,cleanup,abate,remove,remediate,contain,treat,detoxifyorneutralize,dispose of, or in any way respond to, or assess the effects of "PFAS"; or b.Claimorsuitbyoronbehalfofagovernmentalauthorityfordamagesbecauseoftestingfor,investigatingfor, monitoring,cleaningup,abating,removing,remediating,containing,treating,detoxifyingorneutralizing, disposing of or in any way responding to or assessing the effects of "PFAS". B.The following definition is added to Section F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS: "PFAS"means: 1.Anysubstance,material,orcompoundthatisorcontainsper-andpolyfluoroalkylsubstances,includingbutnot limitedtoperfluorobutanoicacid(PFBA),perfluorohexanoicacid(PFHxA),perfluoroheptanoicacid(PFHpA), perfluorooctanoicacid(PFOA),perfluorononanoicacid(PFNA),perfluorodecanoicacid(PFDA), perfluoroundecanoicacid(PFUnA),perfluorododecanoicacid(PFDoDA),perfluorobutanesulfonicacid(PFBS), perfluorohexanesulfonicacid(PFHxS),perfluorooctanesulfonicacid(PFOS),andperfluorooctanesulfonamide (FOSA). 2.Anysubstance,material,orcompoundthatisidentifiedoracknowledgedbyanyfederal,state,internationalor othergovernmentalagencyorauthority,includingbutnotlimitedtotheUnitedStatesEnvironmentalProtection Agency(EPA),theCentersforDiseaseControlandPrevention(CDC),theAgencyforToxicSubstancesand DiseaseRegistry(ATSDR),theNationalInstitutesforHealth(NIH),andtheInternationalAgencyforResearchon Cancer (IARC): a.As or to contain a per-and polyfluoroalkyl substance; or b.To exhibit or demonstrate the same or similar harmful properties as a per-and polyfluoroalkyl substance. 3.Anyconstituents,additives,degradation,breakdown,orby-productstoorofanysubstance,materialor compoundsetforthinsubparagraphsa.andb.above,includingbutnotlimitedtohomologues,isomers,salts, esters, alcohols, acids, and precursor chemicals, compounds and derivatives. Form SL 21 15 09 22Page1 of1 © 2022, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TECHNOLOGY SERVICES EXTENSION PLUS This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A.The following changes are made to SectionB.EXCLUSIONS: 1.The following is added to ExclusionB.1.j.,Professional Services: Thisexclusiondoesnotapplyto"bodilyinjury","propertydamage"or"personalandadvertisinginjury"arisingout of the insured’s "technology services". 2.Withrespecttothecoverageprovidedbythisendorsementonly,Paragraphs(4)and(5)ofExclusionB.1.k., Damage To Property, are deleted. 3.Withrespecttothecoverageprovidedbythisendorsementonly,Paragraphs(8)(b)and(8)(c)ofExclusionB.1.p., Personal And Advertising Injury, are deleted. B.The following exclusion is added to SectionB., EXCLUSIONS: Thisinsurancedoesnotapplyto"bodilyinjury","propertydamage"or"personalandadvertisinginjury"arisingoutof the rendering or failure to render "technology services" involved with or related to: (1)Emergency response systems or services; (2)Medical diagnostic services or processes; (3)Aviation or aerospace applications, operations or systems; (4)Combat or weapons systems including all electronics subsystems; (5)Guidance or navigation systems for vehicles or watercraft; (6)Terrorism detection or prevention systems; (7)Pollution or environmental control, testing, monitoring or remediation; or (8)Physicalsecurityincludingbutnotlimitedtofire,sprinkler,smoke,burglaralarmormonitoringsystemsor access control. Thisexclusionapplieseveniftheclaimsallegenegligenceorotherwrongdoinginthesupervision,hiring, employment,trainingormonitoringofothersbyaninsured,ifthe“bodilyinjury”,“propertydamage”,or“personaland advertisinginjury”arisesoutoftherenderingoforthefailuretorenderanyservicesprovidedinParagraphs(1) through(8)above. C.The following is added to SectionD. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE: Thelimitsofcoverageprovidedbythisendorsementarewithin,andnotinadditionto,theotherwiseapplicableLimits ofInsurancefor"bodilyinjury","propertydamage"or"personalandadvertisinginjury"asprovidedbySectionD. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE. AnydamageswepayonyourbehalfascoveredbythisendorsementwillerodetheGeneralAggregatelimitavailable tomakepaymentsforanyotherclaim.Similarly,anypaymentmadeonyourbehalfforcoveredlosseswillalsoerode the General Aggregate limit available to pay for losses covered under this endorsement. Form SL 30 15 09 22Page1 of2 © 2022, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. D.Withrespecttothecoverageprovidedbythisendorsementonly,thefollowingdefinitionisaddedtoSectionF. LIABILITY AND MEDICAL EXPENSE DEFINITIONS: "Technology services" means any of the following services performed for others: a.Consulting,analysis,design,installation,training,maintenance,supportandrepairoforon:software, wireless applications, firmware, shareware, networks, systems hardware, devices or components; b.Integration of systems; c.Processing of, management of, mining or warehousing of data; d.Administration,management,operationorhostingofanotherparty’ssystems,technologyorcomputer facilities; e.Website development or website hosting; f.Internetaccessservices;intranet,extranetorelectronicinformationconnectivityservices;softwareapplication connectivity services; g.Manufacture, sale, licensing, distribution or marketing of: software, wireless applications, firmware, shareware, networks, systems, hardware, devices or components; h.Design and development of: code, software or programming; or i.Providing software application services, rental or leasing. Form SL 30 15 09 22Page2 of2 © 2022, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. HIRED AUTO AND NON-OWNED AUTO LIABILITY This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A.Amended Coverage: The following is added to SectionA. COVERAGES: Coverageisextendedto"bodilyinjury"and"propertydamage"arisingoutoftheuseofa"hiredauto"or"non-owned auto". B.The following changes are made to Section B. EXCLUSIONS: 1.Exclusion g.Aircraft, Auto Or Watercraft does not apply to a "hired auto" or a "non-owned auto". 2.Exclusione.Employer’sLiabilitydoesnotapplyto"bodilyinjury"todomestic"employees"notentitledto workers’ compensation benefits or to liability assumed by the insured under an "insured contract". 3.Exclusion f.Pollution is deleted and replaced by the following: (1)"Bodilyinjury"or"propertydamage"arisingoutoftheactual,allegedorthreateneddischarge,dispersal, seepage, migration, release or escape of "pollutants": (a)That are, or that are contained in any property that is: (i)Beingtransportedortowedby,handled,orhandledformovementinto,ontoorfrom,thecovered "auto"; (ii)Otherwise in the course of transit by or on behalf of the "insured"; or (iii)Being stored, disposed of, treated or processed in or upon the covered "auto". (b)Beforethe"pollutants"oranypropertyinwhichthe"pollutants"arecontainedaremovedfromthe place where they are accepted by the insured for movement into or onto the covered "auto"; or (c)Afterthe"pollutants"oranypropertyinwhichthe"pollutants"arecontainedaremovedfromthe covered "auto" to the place where they are finally delivered, disposed of or abandoned by the insured. Paragraph(a)abovedoesnotapplytofuels,lubricants,fluids,exhaustgasesorothersimilar "pollutants"thatareneededfororresultfromthenormalelectrical,hydraulicormechanical functioning of the covered "auto" or its parts, if: (i)The"pollutants"escape,seep,migrate,oraredischargedorreleaseddirectlyfroman"auto"part designed by its manufacturer to hold, store, receive, or dispose of such "pollutants"; and (ii)The"bodilyinjury"and"propertydamage"doesnotariseoutoftheoperationofanyequipment listed in Paragraphs15.f.(2) and15.f.(3) of the definition of "mobile equipment". Paragraphs(b)and(c)abovedonotapplytoaccidentsthatoccurawayfrompremisesownedbyor rented to an "insured" with respect to "pollutants" not in or upon a covered "auto" if: (i)The"pollutants"oranypropertyinwhichthe"pollutants"arecontainedareupset,overturnedor damaged as a result of the maintenance or use of a covered "auto"; and (ii)Thedischarge,dispersal,seepage,migration,releaseorescapeofthe"pollutants"iscaused directlybysuchupset,overturnordamageasaresultofthemaintenanceoruseofacovered "auto". 4.The following exclusion is added: Fellow employee Coveragedoesnotapplyto"bodilyinjury"toanyfellow"employee"oftheinsuredarisingoutoftheoperation of an "auto" owned by the insured in the course of the fellow "employee’s" employment. Form SL 30 26 10 18Page1 of3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 5.The following exclusion is added: Care, Custody Or Control Coveragedoesnotapplyto"propertydamage"involvingpropertyownedortransportedbytheinsuredorin the insured’s care, custody or control. C.Withrespectto"hiredauto"and"non-ownedauto"coverage,SectionC.WHOISANINSUREDisdeletedand replaced by the following: 1.The following are insureds: a.You. b.Your "employee" while using with your permission: (1)An "auto" you hire or borrow; or (2)An "auto" you don’t own, hire or borrow in your business or personal affairs; or (3)An "auto" hired or rented by your "employee" on your behalf and at your direction. c.Anyone else while using a "hired auto" or "non-owned auto" with your permission except: (1)The owner or anyone else from whom you hire or borrow an "auto". (2)Someoneusinganautowhileheorsheisworkinginabusinessofselling,servicing,repairing,parkingor storing "autos" unless that business is yours. (3)Anyoneotherthanyour"employees",partners(ifyouareapartnership),members(ifyouarealimited liabilitycompany),oralesseeorborroweroranyoftheir"employees",whilemovingpropertytoorfrom an "auto". (4)Apartner(ifyouareapartnership),oramember(ifyouarealimitedliabilitycompany)foran"auto" owned by him or her or a member of his or her household. d.Anyone liable for the conduct of an insured described above but only to the extent of that liability. D.Withrespecttotheoperationofa"hiredauto"or"non-ownedauto"coveredbythisendorsement,thefollowing changes are made to SectionE. LIABILITY AND MEDICAL EXPENSES CONDITIONS: 1.The following condition is added: Other Insurance a.Exceptforanyliabilityassumedunderan"insuredcontract"theinsuranceprovidedbythisendorsementis excess over any other collectible insurance. However,ifyourbusinessistheselling,servicing,repairing,parkingorstorageof"autos",theinsurance providedbythisendorsementisprimarywhencovered"bodilyinjury"or"propertydamage"arisesoutofthe operation of a customer’s "auto" by you or your "employee". b.Whenthisendorsementandanyotherendorsement,coveragepart,orpolicycoversonthesamebasis, eitherexcessorprimary,wewillpayonlyourshare.OurshareistheproportionthattheLimitofInsuranceof ourendorsementbearstothetotalofthelimitsofalltheendorsements,coverageparts,andpoliciescovering on the same basis. 2.The following condition is added: Two Or More Coverage Parts, Endorsements, Or Policies Issued By Us Ifthisendorsementandanyotherendorsement,coveragepartorpolicyissuedtoyoubyusoranycompany affiliatedwithusapplytothesameaccident,theaggregatemaximumLimitofInsuranceunderallthe endorsements,coverageparts,orpoliciesshallnotexceedthehighestapplicableLimitofInsuranceunderany oneendorsement,coveragepart,orpolicy.Thisconditiondoesnotapplytoanyendorsement,coveragepart,or policy issued by us or an affiliated company specifically to apply as excess insurance over this endorsement. Form SL 30 26 10 18Page2 of3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 3.The following condition is added: Financial Responsibility Laws a.Withrespecttoa“hiredauto”or“non-ownedauto”towhichthisinsuranceapplies,whenthisendorsementis certifiedasproofoffinancialresponsibilityforthefutureundertheprovisionsofanymotorvehiclefinancial responsibilitylaw,theinsuranceprovidedbythisendorsementfor"bodilyinjury"liabilityand"property damage"liabilitywillcomplywiththeprovisionsofthelawtotheextentofthecoverageandlimitsof insurance required by that law. b.Withrespecttoa“hiredauto"or“non-ownedauto”towhichthisinsuranceapplies,wewillprovideanyliability, uninsuredmotorists,underinsuredmotorists,no-faultorothercoveragerequiredbyanymotorvehiclelaw. We will provide the required limits for those coverages. E.The following changes are made to SectionF. LIABILITY AND MEDICAL EXPENSES DEFINITIONS: 1.The following definition is added: "Hiredauto"meansany"auto"youlease,hire,rentorborrow.Thisdoesnotincludeanyautoyoulease,hire,rent orborrowfromanyofyour"employees",yourpartners(ifyouareapartnership),members(ifyouarealimited liability company),, or your "executive officers" or members of their households. Thisdoesnotincludealong-termleased"auto"thatyouinsureasanowned"auto"underanyotherautoliability insurancepolicyoratemporarysubstituteforan"auto"youownthatisoutofservicebecauseofitsbreakdown, repair, servicing or destruction. 2.The following definition is added: "Non-ownedauto"meansany"auto"youdonotown,lease,hire,rentorborrowwhichisusedinconnectionwith your business. This includes: a."Autos"ownedbyyour"employees"yourpartners(ifyouareapartnership),members(ifyouarealimited liabilitycompany),oryour"executiveofficers",ormembersoftheirhouseholds,butonlywhileusedinyour business or your personal affairs. b.Customer’s "auto" that is in your care, custody or control for service. Form SL 30 26 10 18Page3 of3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED BY CONTRACT This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A.The following is added to SectionC.WHO IS AN INSURED: Additional Insureds When Required By Written Contract, Written Agreement Or Permit Theperson(s)ororganization(s)identifiedinParagraphsa.throughf.belowareadditionalinsuredswhenyou haveagreed,inawrittencontractorwrittenagreement,orwhenrequiredbyawrittenpermitissuedbyastateor governmentalagencyorsubdivisionorpoliticalsubdivisionthatsuchpersonororganizationbeaddedasan additionalinsuredonyourCoveragePart,providedtheinjuryordamageoccurssubsequenttotheexecutionof the contract or agreement, or the issuance of the permit. Apersonororganizationisanadditionalinsuredunderthisprovisiononlyforthatperiodoftimerequiredbythe contract, agreement or permit. However,nosuchpersonororganizationisanadditionalinsuredunderthisprovisionifsuchpersonor organizationisincludedasanadditionalinsuredbyanyotherendorsementissuedbyusandmadeapartofthis Coverage Part. Theinsuranceaffordedtosuchadditionalinsuredwillnotbebroaderthanthatwhichyouarerequiredbythe contract, agreement, or permit to provide for such additional insured. The insurance afforded to such additional insured only applies to the extent permitted by law. ThelimitsofinsurancethatapplytoadditionalinsuredsaredescribedinSectionD.LIABILITYANDMEDICAL EXPENSESLIMITSOFINSURANCE.Howthisinsuranceapplieswhenotherinsuranceisavailabletoan additionalinsuredisdescribedintheOtherInsuranceConditioninSectionE.LIABILITYANDMEDICAL EXPENSES GENERAL CONDITIONS. a.Vendors Anyperson(s)ororganization(s)(referredtobelowasvendor),butonlywithrespectto"bodilyinjury"or "propertydamage"arisingoutof"yourproducts"whicharedistributedorsoldintheregularcourseofthe vendor'sbusinessandonlyifthisCoveragePartprovidescoveragefor"bodilyinjury"or"propertydamage" included within the "products-completed operations hazard". (1)The insurance afforded to the vendor is subject to the following additional exclusions: This insurance does not apply to: (a)"Bodilyinjury"or"propertydamage"forwhichthevendorisobligatedtopaydamagesbyreasonof theassumptionofliabilityinacontractoragreement.Thisexclusiondoesnotapplytoliabilityfor damages that the vendor would have in the absence of the contract or agreement; (b)Any express warranty unauthorized by you; (c)Any physical or chemical change in the product made intentionally by the vendor; (d)Repackaging,exceptwhenunpackedsolelyforthepurposeofinspection,demonstration,testing,or thesubstitutionofpartsunderinstructionsfromthemanufacturer,andthenrepackagedintheoriginal container; (e)Anyfailuretomakesuchinspections,adjustments,testsorservicingasthevendorhasagreedto makeornormallyundertakestomakeintheusualcourseofbusiness,inconnectionwiththe distribution or sale of the products; (f)Demonstration,installation,servicingorrepairoperations,exceptsuchoperationsperformedatthe vendor's premises in connection with the sale of the product; Form SL 30 32 06 21Page1 of3 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. (g)Productswhich,afterdistributionorsalebyyou,havebeenlabeledorrelabeledorusedasa container, part or ingredient of any other thing or substance by or for the vendor; or (h)"Bodilyinjury"or"propertydamage"arisingoutofthesolenegligenceofthevendorforitsownactsor omissionsorthoseofitsemployeesoranyoneelseactingonitsbehalf.However,thisexclusion does not apply to: (i)The exceptions contained in Paragraphs(d) or(f); or (ii)Suchinspections,adjustments,testsorservicingasthevendorhasagreedtomakeornormally undertakestomakeintheusualcourseofbusiness,inconnectionwiththedistributionorsaleof the products. (2)Thisinsurancedoesnotapplytoanyinsuredpersonororganizationfromwhomyouhaveacquiredsuch products, or any ingredient, part or container, entering into, accompanying or containing such products. b.Lessors Of Equipment (1)Anypersonororganizationfromwhomyouleaseequipment;butonlywithrespecttotheirliabilityfor "bodilyinjury","propertydamage"or"personalandadvertisinginjury"caused,inwholeorinpart,byyour maintenance, operation or use of equipment leased to you by such person or organization. (2)Withrespecttotheinsuranceaffordedtotheseadditionalinsureds,thisinsurancedoesnotapplytoany "occurrence" which takes place after you cease to lease that equipment. c.Lessors Of Land Or Premises (1)Anypersonororganizationfromwhomyouleaselandorpremises,butonlywithrespecttoliabilityarising out of the ownership, maintenance or use of that part of the land or premises leased to you. (2)With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a)Any"occurrence"whichtakesplaceafteryouceasetoleasethatlandorbeatenantinthatpremises; or (b)Structuralalterations,newconstructionordemolitionoperationsperformedbyoronbehalfofsuch person or organization. d.Architects, Engineers Or Surveyors (1)Anyarchitect,engineer,orsurveyor,butonlywithrespecttoliabilityfor"bodilyinjury","propertydamage" or"personalandadvertisinginjury"caused,inwholeorinpart,byyouractsoromissionsortheactsor omissions of those acting on your behalf: (a)In connection with your premises; (b)In the performance of your ongoing operations performed by you or on your behalf; or (c)Inconnectionwith"yourwork"andincludedwithinthe"products-completedoperationshazard",but only if: (i)Thewrittencontract,writtenagreementorpermitrequiresyoutoprovidesuchcoveragetosuch additional insured; and (ii)ThisCoveragePartprovidescoveragefor"bodilyinjury"or"propertydamage"includedwithinthe "products-completed operations hazard". (2)Withrespecttotheinsuranceaffordedtotheseadditionalinsureds,thefollowingadditionalexclusion applies: Thisinsurancedoesnotapplyto"bodilyinjury","propertydamage"or"personalandadvertising injury" arising out of the rendering of or the failure to render any professional services, including: (i)Thepreparing,approving,orfailuretoprepareorapprove,maps,shopdrawings,opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (ii)Supervisory, surveying, inspection, architectural or engineering activities. Thisexclusionapplieseveniftheclaimsallegenegligenceorotherwrongdoinginthesupervision, hiring,employment,trainingormonitoringofothersbyaninsured,ifthe“bodilyinjury”,“property Form SL 30 32 06 21Page2 of3 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. damage”,or“personalandadvertisinginjury”arisesoutoftherenderingoforthefailuretorenderany professional service. e.State Or Governmental Agency Or Subdivision Or Political Subdivision Issuing Permit (1)Anystateorgovernmentalagencyorsubdivisionorpoliticalsubdivision,butonlywithrespectto operationsperformedbyyouoronyourbehalfforwhichthestateorgovernmentalagencyorsubdivision or political subdivision has issued a permit. (2)With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a)"Bodilyinjury","propertydamage"or"personalandadvertisinginjury"arisingoutofoperations performed for the federal government, state or municipality; or (b)"Bodily injury" or "property damage" included within the "products-completed operations hazard". f.Any Other Party (1)Anyotherpersonororganizationwhoisnotinoneofthecategoriesorclasseslistedabovein Paragraphsa.throughe.above,butonlywithrespecttoliabilityfor"bodilyinjury","propertydamage"or "personalandadvertisinginjury"caused,inwholeorinpart,byyouractsoromissionsortheactsor omissions of those acting on your behalf: (a)In the performance of your ongoing operations performed by you or on your behalf; (b)In connection with your premises owned by or rented to you; or (c)Inconnectionwith"yourwork"andincludedwithinthe"products-completedoperationshazard",but only if: (i)Thewrittencontract,writtenagreementorpermitrequiresyoutoprovidesuchcoveragetosuch additional insured; and (ii)ThisCoveragePartprovidescoveragefor"bodilyinjury"or"propertydamage"includedwithinthe "products-completed operations hazard". (2)Withrespecttotheinsuranceaffordedtotheseadditionalinsureds,thefollowingadditionalexclusion applies: Thisinsurancedoesnotapplyto"bodilyinjury","propertydamage"or"personalandadvertisinginjury" arisingoutoftherenderingof,orthefailuretorender,anyprofessionalarchitectural,engineeringor surveying services, including: (a)Thepreparing,approving,orfailuretoprepareorapprove,maps,shopdrawings,opinions,reports, surveys, field orders, change orders, designs or drawings and specifications; or (b)Supervisory, surveying, inspection, architectural or engineering activities. Thisexclusionapplieseveniftheclaimsallegenegligenceorotherwrongdoinginthesupervision,hiring, employment,trainingormonitoringofothersbyaninsured,ifthe“bodilyinjury”,“propertydamage”,or “personalandadvertisinginjury”arisesoutoftherenderingoforthefailuretorenderanyprofessional service described in Paragraphsf.(2)(a) orf.(2)(b) above. Form SL 30 32 06 21Page3 of3 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) 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.IfthispolicyiscancelledbytheCompany,otherthanfornon-paymentofpremium,noticeofsuchcancellationwillbe providedatleastthirty(30)daysinadvanceofthecancellationeffectivedatetothecertificateholder(s)withmailing addresses on file with the agent of record or the Company. B.Ifthispolicyiscancelledbythecompanyfornon-paymentofpremium,orbytheinsured,noticeofsuchcancellation willbeprovidedwithinten(10)daysofthecancellationeffectivedatetothecertificateholder(s)withmailing addresses on file with the agent of record or the Company. Ifnoticeismailed,proofofmailingtothelastknownmailingaddressofthecertificateholder(s)onfilewiththeagentof record or the Company will be sufficient proof of notice. Anynotificationrightsprovidedbythisendorsementapplyonlytoactivecertificateholder(s)whowereissuedacertificate of insurance applicable to this policy’s term. Failuretoprovidesuchnoticetothecertificateholder(s)willnotamendorextendthedatethecancellationbecomes effective,norwillitnegatecancellationofthepolicy.Failuretosendnoticeshallimposenoliabilityofanykinduponthe Company or its agents or representatives. Form SL 90 13 10 18Page1 of1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED BY CONTRACT – UMBRELLA This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. A.The following is added to Paragraph2. of SectionC.WHO IS AN INSURED: a.Anypersonororganizationwhenyouhaveagreed,becauseofawrittencontractorwrittenagreement,or whenrequiredbyawrittenpermitissuedbyastateorgovernmentalagencyorsubdivisionorpolitical subdivision,toprovideinsurancesuchasisaffordedunderthisSupplementalPolicy,butonlywithrespectto your operations performed by you or on your behalf, "your work" or facilities owned or used by you. This provision does not apply: (1)Unlessthewrittencontractorwrittenagreementhasbeenexecuted,orthepermithasbeenissued,prior to the "bodily injury," "property damage," or "personal and advertising injury"; (2)Unlessthelimitsofliabilityspecifiedinsuchwrittencontract,writtenagreementorpermitaregreaterthan the limits of liability provided by the "underlying insurance"; and (3)Beyond the period of time required by the written contract, written agreement or permit; However,nosuchpersonororganizationisan“insured”underthisprovisionifsuchpersonororganization qualifies as an “insured” by any other provision of this Supplemental Policy. b.Withrespecttotheinsuranceaffordedtothepersonsororganizationsqualifyingasan“insured”inParagraph a. above, the following additional exclusion applies: (1)Thisinsurancedoesnotapplyto"bodilyinjury","propertydamage"or"personalandadvertisinginjury" arising out of the rendering of or the failure to render any professional services, including: (a)Thepreparing,approving,orfailuretoprepareorapprove,maps,shopdrawings,opinions,reports, surveys, field orders, change orders, designs or drawings and specifications; or (b)Supervisory, surveying, inspection, architectural or engineering activities. Thisexclusionapplieseveniftheclaimsallegenegligenceorotherwrongdoinginthesupervision,hiring, employment,trainingormonitoringofothersbyan“insured”,ifthe“bodilyinjury”,“propertydamage”,or “personalandadvertisinginjury”arisesoutoftherenderingoforthefailuretorenderanyprofessional service. c.Theinsuranceaffordedtosuch“insured”willnotbebroaderthanthatwhichyouarerequiredbythecontract, agreement or permit to provide for such “insured”. d.The insurance afforded to such “insured” only applies to the extent permitted by law. Form SU 00 02 10 18Page1 of1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FOLLOWING FORM ENDORSEMENT - PERFLUOROALKYL AND POLYFLUOROALKYL SUBSTANCES (PFAS) This endorsement modifies insurance provided under the following: Umbrella Liability Supplemental Policy Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. A.The following is added to SectionA.2.,EXCLUSIONS: Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS) This Supplemental Policy does not apply to: 1.Anydamages,judgments,settlements,loss,costsorexpenses,oranyotherformofrelief,remedyorrecovery thatmaybeawardedorincurredbyreasonofanyclaimor"suit"allegingactualorthreatenedinjuryordamageof anynatureorkind,including,butnotlimitedto,"bodilyinjury","propertydamage"or"personalandadvertising injury", which arises out of, or relates in any way to "PFAS ", including but not limited to: a.manufacturing,handling,sale,distribution,marketing,installation,repair,removal,abatement,replacement, or handling of “PFAS” or products containing “PFAS”; or b.anactual,allegedorthreateneddischarge,dispersal,seepage,migration,releaseorescapeof"PFAS" whether intentional or unintentional; or c.consumption,absorption,ingestion,presence,inhalationoruseof,contactwithorexposureto,"PFAS”, whether by direct or passive exposure. 2.Any loss, cost or expense arising out of any: a.Request,demand,order,orotherrequirement(whetherstatutoryorregulatory)thatanyinsuredorotherstest for,investigatefor,monitor,cleanup,abate,remove,remediate,contain,treat,detoxifyorneutralize,dispose of, or in any way respond to, or assess the effects of "PFAS"; or b.Claimorsuitbyoronbehalfofagovernmentalauthorityfordamagesbecauseoftestingfor,investigatingfor, monitoring,cleaningup,abating,removing,remediating,containing,treating,detoxifyingorneutralizing, disposing of or in any way responding to or assessing the effects of "PFAS". B.The following definition is added to Section F. DEFINITIONS: "PFAS"means: 1.Anysubstance,material,orcompoundthatisorcontainsper-andpolyfluoroalkylsubstances,includingbutnot limitedtoperfluorobutanoicacid(PFBA),perfluorohexanoicacid(PFHxA),perfluoroheptanoicacid(PFHpA), perfluorooctanoicacid(PFOA),perfluorononanoicacid(PFNA),perfluorodecanoicacid(PFDA), perfluoroundecanoicacid(PFUnA),perfluorododecanoicacid(PFDoDA),perfluorobutanesulfonicacid(PFBS), perfluorohexanesulfonicacid(PFHxS),perfluorooctanesulfonicacid(PFOS),andperfluorooctanesulfonamide (FOSA). 2.Anysubstance,material,orcompoundthatisidentifiedoracknowledgedbyanyfederal,state,internationalor othergovernmentalagencyorauthority,includingbutnotlimitedtotheUnitedStatesEnvironmentalProtection Agency(EPA),theCentersforDiseaseControlandPrevention(CDC),theAgencyforToxicSubstancesand DiseaseRegistry(ATSDR),theNationalInstitutesforHealth(NIH),andtheInternationalAgencyforResearchon Cancer (IARC): a.As or to contain a per-and polyfluoroalkyl substance; or b.To exhibit or demonstrate the same or similar harmful properties as a per-and polyfluoroalkyl substance. 3.Anyconstituents,additives,degradation,breakdown,orby-productstoorofanysubstance,materialor compoundsetforthinsubparagraphsa.andb.above,includingbutnotlimitedtohomologues,isomers,salts, esters, alcohols, acids, and precursor chemicals, compounds and derivatives. Form SU 21 09 03 23Page1 of1 © 2023, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ABSOLUTE LEAD EXCLUSION This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. A.The following is added to ParagraphA.2.,Exclusions: Absolute Lead Exclusion This Supplemental Policy does not apply to: (1)Anyinjury,damage,loss,costsorexpense,including,butnotlimitedto,"bodilyinjury","propertydamage" or "personal and advertising injury" arising out of, in whole or in part, the "lead hazard." (2)Any “damages”, judgments, settlements, loss costs or expenses that: (a)Maybeawardedorincurredbyreasonofanyclaimorsuitallegingactualorthreatenedinjuryor damageofanynatureorkindtopersonsorpropertywhicharisesoutof,orwouldnothaveoccurred, in whole or in part, but for the "lead hazard"; or (b)Ariseoutofanyrequest,demand,orderorstatutoryorregulatoryrequirementthatany"insured"or others: (i)Identify,abate,testfor,sample,monitor,cleanup,remove,cover,contain,treat,detoxify, decontaminate,neutralizeormitigateorinanywayrespondtoorassesstheeffectsofa"lead hazard"; or (ii)As a result of such effects, repair, replace or improve any property; or (c)Arise out of any claim or any suit for “damages” because of: (i)Identificationof,abatementof,testingfor,sampling,monitoring,cleaningup,removing,covering, containing,treating,detoxifying,decontaminating,neutralizingormitigatingorinanyway responding to or assessing the effects of a "lead hazard"; or (ii)As a result of such effects, the repair, replacement, or improvement of any property. B.The following is added to SectionF. DEFINITIONS: "Leadhazard"meansanexposureorthreatofexposuretotheactualorallegedpropertiesoflead,andincludes the mere presence or suspected presence of lead in any form or combination. Form SU 20 00 10 18Page1 of1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - SILICA This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. A.The following is added to ParagraphA.2.,Exclusions: Exclusion – Silica ThisSupplementalPolicydoesnotapplytoanyinjury,damage,loss,costorexpense,includingbutnot limitedto"bodilyinjury","propertydamage"or"personalandadvertisinginjury"arisingoutof,orrelatingto,in whole or in part, the "silica hazard". B.The following definition is added to SectionF.DEFINITIONS: "Silicahazard"meansanexposureto,inhalationoforcontactwith,orthreatofexposureto,inhalationofor contactwith,theactualorallegedpropertiesofsilicaoranysilicacontainingmaterialsandincludesthemere presence of silica or any silica containing materials in any form. Silica includes all forms of the compound silicon dioxide, including but not limited to quartz. Form SU 20 01 10 18Page1 of1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION – CARE, CUSTODY OR CONTROL OF PERSONAL PROPERTY This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. The following is added to ParagraphA.2.,Exclusions: Exclusion – Care, Custody or Control of Personal Property This Supplemental Policy does not apply to "property damage" to personal property: (1)Rented to; (2)Used by; or (3)In the care, custody or control; Of any "insured" or as to which any "insured" is for any purpose exercising physical control. Form SU 20 09 10 18Page1 of1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION – CARE, CUSTODY OR CONTROL OF REAL PROPERTY This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. The following is added to ParagraphA.2., Exclusions: Exclusion – Care, Custody or Control of Real Property This Supplemental Policy does not apply to "property damage" to real property: (1)Owned by; (2)Occupied by; (3)Rented to; or (4)In the care, custody or control; Of any "insured" or as to which any "insured" is for any purpose exercising physical control. Form SU 20 10 10 18Page1 of1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITATION OF COVERAGE - TECHNOLOGY SERVICES This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. A.The following is added to ParagraphA.2.,Exclusions: Limitation of Coverage – Technology Services (1)This Supplemental Policy does not apply to: (a)"Bodilyinjury","propertydamage"or"personalandadvertisinginjury"arisingoutoftherenderingof orfailuretorenderprofessionalservices,including"technologyservices,"asdefinedinthis endorsement.Thisexclusionapplieswhether"technologyservices"areperformedbyyouorby others on your behalf. (b)Anyinjuryordamageresultingfromthe"hazardousproperties"of"nuclearmaterial"iftheinjuryor damagearisesoutofany"technologyservices"inconnectionwiththeplanning,construction, maintenanceoruseofany"nuclearfacility".Forthepurposesofthisexclusion,injuryordamage includes all forms of radioactive contamination of property. (2)EXCEPTION (a)However,exclusion(a)abovedoesnotapplytotheextentthattheunderlyinginsuranceappliesto "bodilyinjury","propertydamage"or"personalandadvertisinginjury"arisingoutoftherenderingofor failure to render "technology services." (b)AnycoveragerestoredbythisEXCEPTIONappliesonlytotheextentthatsuchcoverageprovidedby the"underlyinginsurance"ismaintainedhavinglimitsassetforthintheScheduleofUnderlying Insurance Policies. B.The following is added to SectionF., DEFINITIONS as it relates to this endorsement: "Technology services" means the following: a.Consulting, analysis, design, installation, training, maintenance, support and repair of or on: (1)Software; (2)Wireless applications; (3)Firmware; (4)Shareware; (5)Networks; (6)Systems; (7)Hardware; (8)Devices; or (9)Components; b.Integration of systems; c.Processing of, management of, mining or warehousing of data; d.Administration,management,operationorhostingof:anotherparty’ssystems,technologyorcomputer facilities; e.Website development; website hosting; f.Internetaccessservices;intranet,extranetorelectronicinformationconnectivityservices;softwareapplication connectivity services; Form SU 20 85 10 18Page1 of2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. g.Manufacture,sale,licensing,distribution,ormarketingof:software,wirelessapplications,firmware, shareware, networks, systems, hardware, devices or components; h.Design and development of: code, software or programming; and i.Providing software application: services, rental or leasing. Form SU 20 85 10 18Page2 of2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FOLLOWING FORM ENDORSEMENT - AUTOMOBILE LIABILITY This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. A.The following is added to ParagraphA.2.,Exclusions: Automobile Liability (1)This Supplemental Policy does not apply to liability arising out of the: (a)Ownership; (b)Operation; (c)Maintenance; (d)Use; (e)Entrustment to others; or (f)"Loading or unloading"; Of any "auto" or "customer's auto". Thisexclusionapplieseveniftheclaimsagainstany"insured"allegenegligenceorotherwrongdoingin thesupervision,hiring,employment,trainingormonitoringofothersbythat"insured",ifthe"occurrence" whichcausedtheinjuryor"damage"involvedtheownership,maintenance,use,entrustmenttoothers,or "loading or unloading", of any "auto" or "customer's auto". (2)EXCEPTION However,thisexclusiondoesnotapplytotheextentthatthe“underlyinginsurance”providescoveragefor such “auto” or “customer’s auto” described in the Schedule of Underlying Insurance. Any coverage restored by thisEXCEPTION applies: (a)Onlytotheextentofthecoverageprovidedbythe“underlyinginsurance”andinnoeventshallthis umbrella coverage apply to any claim or “suit” not covered by the “underlying insurance”. (b)Onlytotheextentthatsuchcoverageprovidedbythe"underlyinginsurance"ismaintainedhaving limits as set forth in the Extension Schedule of Underlying Insurance; and (c)Onlytotheextentthatanyclaimor“suit”isotherwisecoveredbythetermsandconditionsofthis Supplemental Policy. B.The following is added to SectionF., DEFINITIONS: "Customer'sauto"meansacustomer'slandmotorvehicle,trailerorsemitrailerwhileleftwithyouforservice, maintenance,repair,storage,parkingorsafekeeping."Customer'sauto"doesnotincludeacustomer'slandmotor vehicle, trailer or semitrailer owned by or rented or loaned to any "insured". Form SU 30 08 10 18Page1 of1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FOLLOWING FORM – PROGRAMMING AND RELATED COMPUTER SERVICES This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. A.The following is added to Paragraph2. of SectionA. COVERAGES: Programming And Related Computer Services ThisSupplementalPolicydoesnotapplyto“bodilyinjury”,“propertydamage”,or“personalandadvertising injury”: (1)Arising out of or which would not have occurred but for “programming”. (2)Arisingoutoftherenderingoforfailuretorenderanyservicebyyouoronyourbehalfinconnectionwith theselling,licensing,franchising,furnishing,ordesignofyourcomputersoftwareor“programming”to othersincludingelectronicdataprograms,designs,specifications,manuals,andinstructions.Service meansallservicesprovidedtoacustomerorvendorincludingbutnotlimitedtoconsultationoradviceon purchasing or design decision and post-purchase technical support. (3)Arising out of: (a)anerror,omission,defectordeficiencyinanytestperformed,oranevaluation,aconsultation,advice or “design service” provided by or on behalf of any insured; or (b)the reporting of or reliance upon any such test, evaluation, consultation, advice or “design service”. (4)EXCEPTION However,thisexclusiondoesnotapplytotheextentthatthe“underlyinginsurance”providescoveragefor such liability with minimum underlying limits as described in the Schedule of Underlying Insurance. Any coverage restored by thisEXCEPTION applies: (a)Onlytotheextentofthecoverageprovidedbythe“underlyinginsurance”andinnoeventshallthis umbrella coverage apply to any claim or “suit” not covered by the “underlying insurance”. (b)Onlytotheextentthatsuchcoverageprovidedbythe"underlyinginsurance"ismaintainedhaving limits as set forth in the Extension Schedule of Underlying Insurance Policies; and (c)Onlytotheextentthatanyclaimor“suit”isotherwisecoveredbythetermsandconditionsofthis Supplemental Policy. B.The following definitions are added to SectionF. DEFINITIONS: 1.“Programming” means any of the following: a.Statementsorinstructions,regardlessoftheformormethodoftheirembodiment,thatareusedorintendedto beuseddirectlyorindirectlyinorwithacomputerorcomputersystem.Thisincludesbutisnotlimitedto computer software, electronic processing programs, or designs; or b.Anyandallinformationthatisusedorintendedtobeusedinconnectionwithortoexplainsuchstatementsor instructions or their operation, such as specifications, flow diagrams, or manuals. 2.“Designservice”meansalldesignservicesincludingbutnotlimitedtowebsiteorwebpagedesign,includingthe selection of material or data displayed or material or data provided to search engines. Form SU 30 14 10 18Page1 of1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) U.S.DEPARTMENTOFTHETREASURY,OFFICEOFFOREIGNASSETS CONTROL ("OFAC") ADVISORY NOTICE TO POLICYHOLDERS NocoverageisprovidedbythisPolicyholderNoticenorcanitbeconstruedtoreplaceanyprovisionsofyourpolicy.You should read your policy and review your Declarations page for complete information on the coverages you are provided. ThisNoticeprovidesinformationconcerningpossibleimpactonyourinsurancecoverageduetodirectivesissuedbythe United States.Please read this Notice carefully. TheOfficeofForeignAssetsControl("OFAC")oftheU.S.DepartmentoftheTreasuryadministersandenforces economicandtradesanctionsbasedonU.S.foreignpolicyandnationalsecuritygoalsagainsttargetedforeign countriesandregimes,terrorists,internationalnarcoticstraffickers,thoseengagedinactivitiesrelatedtotheproliferation ofweaponsofmassdestruction,andotherthreatstothenationalsecurity,foreignpolicyoreconomyoftheUnited States.OFACactsunderPresidentialnationalemergencypowers,aswellasauthoritygrantedbyspecificlegislation,to imposecontrolsontransactionsandfreezeassetsunderU.S.jurisdiction.OFACpublishesalistofindividualsand companiesownedorcontrolledby,oractingfororonbehalfof,targetedcountries.Italsolistsindividuals,groups,and entities,suchasterroristsandnarcoticstraffickersdesignatedunderprogramsthatarenotcountry-specific.Collectively, suchindividualsandcompaniesarecalled"SpeciallyDesignatedNationalsandBlockedPersons"or"SDNs".Their assetsareblockedandU.S.personsaregenerallyprohibitedfromdealingwiththem.Thislistcanbelocatedon OFAC's web site at —http//www.treas.gov/ofac. InaccordancewithOFACregulations,ifitisdeterminedthatyouoranyotherinsured,oranypersonorentityclaiming thebenefitsofthisinsurancehasviolatedU.S.sanctionslaworisanSDN,asidentifiedbyOFAC,thepolicyisa blockedcontractandalldealingswithitmustinvolveOFAC.Whenaninsurancepolicyisconsideredtobesucha blocked or frozen contract, no payments nor premium refunds may be made without authorization from OFAC. HG 00 H129 00 1016© 2016, The HartfordPage 1 of 1 2-50002 ENDORSEMENT NO: This endorsement, effective 12:01am, 07/12/2024forms part of policy number 76 SBU AY9R14 issued to: Hera Property Registry, LLC by: Hartford Fire Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDACANCELLATION AND NONRENEWAL ENDORSEMENT Whereverusedinthisendorsement:1)"Insurer"meanstheinsurancecompanywhichissuedthispolicy; and2)"Insured"meanstheNameofInsured,NameofCompany,NameofPartnership,ParentCompany, NameofInsuredPlanorTrust,NameofInsuredEntity,NamedEntity,NamedRealEstateInvestment Trust(s), Name of Sponsor Company or Insured stated in ITEM A or ITEM 1 of the Declarations Page. The Cancellation provision of this Policy is deleted and replaced by the following: NOTICE OF CANCELLATION A.TheInsuredshownintheDeclarationsmaycancelthisPolicybymailingordeliveringtothe InsureradvancewrittenNoticeofCancellationstatingwhenthereaftersuchcancellationshallbe effective.. B.Cancellation by theInsurer: 1.Cancellation for Policies in Effect Ninety (90) Days or Less IfthisPolicyhasbeenineffectninety(90)daysorlesstheInsurermaycancelthisPolicy bymailingordeliveringtotheInsuredwrittennoticeofcancellation,accompaniedbythe reasons for cancellation, at least: a.ten(10)daysbeforetheeffectivedateofcancellationiftheInsurercancelsfor nonpayment of premium; or b.twenty(20)daysbeforetheeffectivedateofcancellationiftheInsurercancels foranyotherreason,excepttheInsurermaycancelimmediatelyiftherehas been: (1)a material misstatement or misrepresentation; or (2)afailuretocomplywithunderwritingrequirementsestablishedbythe Insurer. 2.Cancellation for Policies in Effect for More Than Ninety (90) days IfthisPolicyhasbeenineffectformorethanninety(90)days,theInsurermaycancel this Policy only for one or more of the following reasons: a.nonpayment of premium; b.this Policy was obtained by a material misstatement; HR 09 H001 00 11112011, The HartfordPage1 of2 c.failuretocomplywithunderwritingrequirementsestablishedbytheInsurer within ninety (90) days of the effective date of coverage; d.a substantial change in the risk covered by this Policy; or e.whencancellationisforallInsuredsundersuchpoliciesforagivenclassof insureds. 3.IftheInsurercancelsthisPolicyforanyofthereasonscitedinaboveparagraph2,the InsurerwillmailordelivertotheInsuredwrittennoticeofcancellation,accompaniedby the reasons for cancellation at least: a.ten(10)daysbeforetheeffectivedateofcancellationifcancellationisfor nonpayment of premium; or b.forty-five(45)daysbeforetheeffectivedateofcancellationifcancellationisforthe reasons stated in Paragraphs 2 (b), (c), (d), or (e) above. C.IfthisPolicyiscancelledbytheInsured,theInsurershallreturn90%oftheprorataunearned premium.IfthisPolicyiscancelledbytheInsurer,theInsurershallretaintheprorataproportion of the premium hereon. D.UponcancellationofthePolicybytheInsuredortheInsurer,returnofthegrossunearned premiumwillbemailedwithinfifteen(15)workingdaysaftertheeffectivedateofcancellation. UnlesspaymentoftheamountofpremiumisaffirmativelyrequestedbytheInsured,theInsurer need not return any amount of $5.00 or less. The following provisions are added: NOTICE OF NON-RENEWAL IftheInsurerdecidesnottorenewthisPolicytheInsurerwillmailordelivertotheInsuredwrittenNotice ofNonrenewal,accompaniedbythereasonfornon-renewal,atleastforty-five(45)dayspriortothe expiration date or anniversary date of this Policy. METHOD OF NOTIFICATION Anynoticeofcancellationornon-renewalwillbemailedordeliveredtotheInsured'slastmailingaddress known to theInsurer. If notice is mailed, proof of mailing will be sufficient proof of notice. All other terms and conditions remain unchanged. HR 09 H001 00 11112011, The HartfordPage2 of2 HARTFORD FIRE INSURANCE COMPANY OPUJDF!UP!QPMJDZIPMEFST GMPSJEB GPS!JOGPSNBUJPO-!PS UP!NBLF!B!DPNQMBJOU-!DBMM Dvtupnfs!Sfmbujpot Uif!Ibsugpse Ibsugpse!Qmb{b Ibsugpse-!DU17226 Ufmfqipof!Op/!971.658.5818 HR 09 H006 00 0405© 2005, The HartfordPage1 of1 IN WITNESS WHEREOF, the Company has caused this bond to be executed and attested. HARTFORD FIRE INSURANCE COMPANY HOME OFFICE – HARTFORD, CONNECTICUT ADMINISTRATIVE OFFICES - HARTFORD, CONNECTICUT (A STOCK INSURANCE COMPANY MEMBER OF THE HARTFORD) Kevin Barnett, SecretaryM. Ross Fisher, President F-5211-0©2006, The Hartford RN 45 U001 00 0806 2-50002 Insurance Policy Billing Information Thank you for selecting The Hartford for your business insurance needs. Shortly,youwillreceiveyourfirstbillfromus.YouarereceivingthisNoticesoyouknowwhat toexpectasavaluedcustomerofTheHartford.Shouldyouhaveanyquestionsafter reviewingthisinformation,pleasecontactusat866-467-8730,andwewillbehappytoassist you. o Yourtotalpolicypremiumwillappearonyourpolicy’sDeclarationsPage.Youwillbebilledbasedonthepaymentplan you selected. o You may pay the "minimum due" as it appears on your insurance bill or pay the policy balance in full. o Aninstallmentservicefeeisaddedtoeachinstallment.Alatefeewillalsobeappliedifthe"minimumdue"isnot received by the due date shown on your bill. Service and late payment fees do not apply in all states. o Ifyouselectedinstallmentbilling,anycreditoradditionalpremiumdueastheresultofachangemadetoyourpolicy, willbespreadovertheremainingbillinginstallments.Additionalpremiumdueasaresultofanauditwillbebilledinfull on your next bill date following the completion of the audit. o IfyouelectedElectronicFundsTransfer(EFT),policychangesmayresultinchangestotheamountautomatically withdrawnfromyourbankaccount.Theinvoiceyoureceivefollowingapolicychangewillincludefuturewithdrawal amounts.IfyouneedtoadjustorstopyournextscheduledEFTwithdrawal,pleasecontactusatleast3dayspriorto the scheduled withdrawal date at the telephone number shown below. o Ifyouselectedinstallmentbillingandpaythepremiumsforyourfirstpolicytermontime,atrenewal,youraccountmay qualifyforour"EqualInstallment"feature.Thismeansthatthepercentagedueforeachinstallment,includingtheinitial renewalinstallment,willbethesamethroughoutthepolicyterm–helpingyoubettermanagecashflow.Equal installmentswillcontinueaslongasyoupayyourpremiumsontimeandnocancellationnoticesareissuedforany policyonyouraccount.IfyounolongerqualifyforEqualInstallments,futurerenewalswillbebilledbasedonthe payment plan you selected, which includes a higher initial installment amount. o Ifyourpolicyiseligibleforrenewal,yourbillfortheupcomingpolicytermwillbesenttoyouapproximately30days priortoyourpolicy’srenewaldate.Ifyourinsuranceneedschange,pleasecontactusatleast60dayspriortoyour renewal date so we can properly address any adjustments needed. o Onebillconvenience--youhavetheoptionofcombiningalleligibleHartfordpoliciesononesinglebillallowingyou to make one payment for all policies on your account as payments are due. You’re In Control In addition to selecting a bill plan option that best meets your budget, you have the flexibility to decidehowyour payments are made … o RepetitiveEFT:SignupforRepetitiveEFTpaymentsandhavepaymentsautomaticallywithdrawnfromyourbank account. This option saves you money by reducing the amount of the installment service fee. o Pay Online: Register atwww.thehartford.com/servicecenter. Online Bill Pay is Quick, Easy and Secure! o Pay by Check:Send a check with your remittance stub in the envelope provided with your bill. o Pay by Phone:Call toll-free1-866-467-8730. Should you have any questions about your bill, please call Customer Service toll-free number: 1-866-467-8730 - 7AM – 7PM CST.We look forward to being of service to you. Form 100722 11th Rev. Printed in U.S.A. COMMON POLICY CONDITIONS DECLARATIONS AND COMMON POLICY CONDITIONS I.DECLARATIONS Named Insured and Mailing Address Policy Period Description and Business Location Coverages and Limits of Insurance II.COMMON POLICY CONDITIONS QUICK REFERENCE - SPECTRUM POLICYBeginning on Page A.Cancellation1 B.Changes2 C.Concealment, Misrepresentation Or Fraud2 D.Examination Of Your Books And Records2 E.Inspections And Surveys2 F.Insurance Under Two Or More Coverages2 G.Liberalization2 H.Premiums2 I.Transfer Of Your Rights And Duties Under This Policy3 J.Premium Audit3 K.Payment of Premiums3 Form SC 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMON POLICY CONDITIONS All coverages of this Policy are subject to the following conditions: A.CANCELLATION 1.ThefirstNamedInsuredshownintheDeclarationsmaycancelthisPolicybymailingordeliveringtousadvance written notice of cancellation. 2.WemaycancelthisPolicybymailingordeliveringtothefirstNamedInsuredwrittennoticeofcancellationat least: a.5daysbeforetheeffectivedateofcancellationifanyoneofthefollowingconditionsexistsatanybuildingthat is Covered Property in this Policy: (1)The building has been vacant or unoccupied 60 or more consecutive days. This does not apply to: (a)Seasonal unoccupancy; or (b)Buildings in the course of construction, renovation or addition. Buildingswith65%ormoreoftherentalunitsorfloorareavacantorunoccupiedareconsidered unoccupied under this provision. (2)After damage by a Covered Cause of Loss, permanent repairs to the building: (a)Have not started; and (b)Have not been contracted for, within 30 days of initial payment of loss. (3)The building has: (a)An outstanding order to vacate; (b)An outstanding demolition order; or (c)Been declared unsafe by governmental authority. (4)Fixedandsalvageableitemshavebeenorarebeingremovedfromthebuildingandarenotbeing replaced.Thisdoesnotapplytosuchremovalthatisnecessaryorincidentaltoanyrenovationor remodeling. (5)Failure to: (a)Furnishnecessaryheat,water,sewerserviceorelectricityfor30consecutivedaysormore,except during a period of seasonal unoccupancy; or (b)Paypropertytaxesthatareowedandhavebeenoutstandingformorethanoneyearfollowingthe datedue.Thisprovisionwillnotapplywhereyouareinabonafidedisputewiththetaxingauthority regarding payment of such taxes. b.10 days before the effective date of cancellation if we cancel for nonpayment of premium. c.30 days before the effective date of cancellation if we cancel for any other reason. 3.We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4.Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5.IfthisPolicyiscanceled,wewillsendthefirstNamedInsuredanypremiumrefunddue.Suchrefundwillbepro rata.IfthefirstNamedInsuredcancels,therefundmaybelessthanprorata.Thecancellationwillbeeffective even if we have not made or offered a refund. 6.If notice is mailed, proof of mailing will be sufficient proof of notice. Form SC 00 00 10 18Page1 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. B.CHANGES ThisPolicycontainsalltheagreementsbetweenyouandusconcerningtheinsuranceafforded.ThefirstNamed InsuredshownintheDeclarationsisauthorizedtomakechangesinthetermsofthisPolicywithourconsent.This Policy's terms can be amended or waived only by endorsement issued by us and made a part of this Policy. C.CONCEALMENT, MISREPRESENTATION OR FRAUD ThisPolicyisvoidinanycaseoffraudbyyouasitrelatestothisPolicyatanytime.Itisalsovoidifyouoranyother insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1.This Policy; 2.The Covered Property; 3.Your interest in the Covered Property; or 4.A claim under this Policy. D.EXAMINATION OF YOUR BOOKS AND RECORDS WemayexamineandaudityourbooksandrecordsastheyrelatetothePolicyatanytimeduringthepolicyperiod and up to three years afterward. E.INSPECTIONS AND SURVEYS 1.We have the right but are not obligated to: a.Make inspections and surveys at any time; b.Give you reports on the conditions we find; and c.Recommend changes. 2.Anyinspections,surveys,reportsorrecommendationswillrelateonlytoinsurabilityandthepremiumstobe charged.Wedonotmakesafetyinspections.Wedonotundertaketoperformthedutyofanypersonor organization to provide for the health or safety of any person. We do not represent or warrant that conditions: a.Are safe or healthful; or b.Comply with laws, regulations, codes or standards. 3.Thisconditionappliesnotonlytous,butalsotoanyrating,advisory,rateserviceorsimilarorganizationwhich makes insurance inspections, surveys, reports or recommendations on our behalf. F.INSURANCE UNDER TWO OR MORE COVERAGES IftwoormoreofthisPolicy'scoveragesapplytothesamelossordamage,wewillnotpaymorethantheactual amount of the loss or damage. G.LIBERALIZATION IfweadoptanyrevisionthatwouldbroadenthecoverageunderthisPolicywithoutadditionalpremiumwithin45days prior to, or at any time during, the policy period, the broadened coverage will immediately apply to this Policy. H.PREMIUMS 1.The first Named Insured shown in the Declarations: a.Is responsible for the payment of all premiums; and b.Will be the payee for any return premiums we pay. 2.ThepremiumshownintheDeclarationswascomputedbasedonratesineffectatthetimethePolicywasissued. Ifapplicable,oneachrenewal,continuationoranniversaryoftheeffectivedateofthisPolicy,wewillcomputethe premium in accordance with our rates and rules then in effect. 3.Withourconsent,youmaycontinuethisPolicyinforcebypayingacontinuationpremiumforeachsuccessive policy period. The premium must be: Form SC 00 00 10 18Page2 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. a.Paid to us prior to the anniversary date; and b.Determined in accordance with Paragraph2. above. Ourformsthenineffectwillapply.Ifyoudonotpaythecontinuationpremium,thisPolicywillexpireonthefirst anniversary date that we have not received the premium. 4.Changesinexposuresorchangesinyourbusinessoperation,acquisitionoruseoflocationsthatarenotshownin theDeclarationsmayoccurduringthepolicyperiod.Ifso,wemayrequireanadditionalpremium.Thatpremium will be determined in accordance with our rates and rules then in effect. I.TRANSFER OF YOUR RIGHTS AND DUTIES UNDER THIS POLICY 1.YourrightsanddutiesunderthisPolicymaynotbetransferredwithoutourwrittenconsentexceptinthecaseof death of an individual Named Insured. 2.Ifyoudie,yourrightsanddutieswillbetransferredtoyourlegalrepresentativebutonlywhileactingwithinthe scopeofdutiesasyourlegalrepresentative.Untilyourlegalrepresentativeisappointed,anyonehavingproper temporary custody of your property will have your rights and duties but only with respect to that property. J.PREMIUM AUDIT 1.We will compute all premiums for this Policy in accordance with our rules and rates. 2.ThepremiumamountshownintheDeclarationsisadepositpremiumonly.Atthecloseofeachpolicyperiod,we maydoanaudittocomputetheearnedpremiumforthatperiod.Anyadditionalpremiumfoundtobedueasa resultoftheauditaredueandpayableonnoticetothefirstNamedInsured.Ifthedepositpremiumpaidforthe policy term is greater than the earned premium, we will return the excess to the first Named Insured. 3.ThefirstNamedInsuredmustmaintainallrecordsrelatedtothecoverageprovidedbythisPolicyandnecessary to finalize the premium audit, and send us copies of the same upon our request. K.PAYMENT OF PREMIUMS Ifyourinitialpremiumpaymentisbycheckdraft,electronicfundstransfer,creditcard,debitcard,oranyotherformof remittance,coverageunderthePolicyisconditionedonpaymenttousbythefinancialinstitution.Ifthefinancial institutiondoesnothonorsuchremittanceuponpresentment,thispolicymay,atouroption,bedeemedvoidfromits inception. OurPresidentandSecretaryhavesignedthisPolicy.Whererequiredbylaw,theDeclarationspagehasalsobeen countersigned by our duly authorized representative. Kevin Barnett, SecretaryM. Ross Fisher, President Form SC 00 00 10 18Page3 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDA CHANGES – COMMON POLICY CONDITIONS This endorsement modifies insurance provided under the following: COMMON POLICY CONDITIONS Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A.The following applies to SectionA.CANCELLATION: 1.Paragraph2. is deleted and replaced with the following: a.Cancellation Of Policies In Effect For 90 Days Or Less IfthisPolicyhasbeenineffectfor90daysorless,wemaycancelthisPolicybymailingordeliveringtothe firstNamedInsuredwrittennoticeofcancellation,accompaniedbythespecificreasonsforcancellation,at least: (1)10 days before the effective date of cancellation if we cancel for nonpayment of premium; or (2)20daysbeforetheeffectivedateofcancellationifwecancelforanyotherreason,exceptwemaycancel immediately if there has been: (a)A material misstatement or misrepresentation; or (b)A failure to comply with underwriting requirements established by the insurer. b.Cancellation Of Policies In Effect For More Than 90 Days (1)IfthisPolicyhasbeenineffectformorethan90days,wemaycancelthisPolicyonlyforoneormoreof the following reasons: (a)Nonpayment of premium; (b)The Policy was obtained by a material misstatement; (c)Intheeventoffailuretocomplywithin90daysaftertheeffectivedateofcoveragewithunderwriting requirements established by us before the effective date of coverage; (d)A substantial change in the risk covered by the Policy; or (e)The cancellation is for all insureds under such policies for a given class of insureds. (2)IfwecancelthisPolicyforanyofthesereasons,wewillmailordelivertothefirstNamedInsuredwritten notice of cancellation, accompanied by the reasons for cancellation, at least: (a)10 days before the effective date of cancellation if we cancel for nonpayment of premium; or (b)45daysbeforetheeffectivedateofcancellationifwecancelforanyoftheotherreasonsstatedin ParagraphA.1.b. 2.Paragraph3. is deleted and replaced by the following: We will mail or deliver our notice to the first Named Insured at the last mailing address known to us. 3.Paragraph5. is deleted and replaced by the following: IfthisPolicyiscanceled,wewillsendthefirstNamedInsuredanypremiumrefunddue.Ifwecancel,therefund willbeprorata.IfthefirstNamedInsuredcancels,therefundmaybelessthanprorata.Ifthereturnpremiumis notrefundedwiththenoticeofcancellationorwhenthisPolicyisreturnedtous,wewillmailtherefundwithin15 working days after the date cancellation takes effect, unless this is an audit policy. Ifthisisanauditpolicy,then,subjecttoyourfullcooperationwithusorouragentinsecuringthenecessarydata foraudit,wewillreturnanypremiumrefundduewithin90daysofthedatecancellationtakeseffect.Ifourauditis notcompletedwithinthistimelimitation,thenweshallacceptyourownaudit,andanypremiumrefunddueshall be mailed within 10 working days of receipt of your audit. The cancellation will be effective even if we have not made or offered a refund. Form SC 01 09 10 18Page1 of2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. B.The following provision is added: NONRENEWAL 1.IfwedecidenottorenewthisPolicywewillmailordelivertothefirstNamedInsuredwrittennoticeof nonrenewal,accompaniedbythespecificreasonfornonrenewal,atleast45dayspriortotheexpirationdateof the Policy. 2.AnynoticeofnonrenewalwillbemailedordeliveredtothefirstNamedInsuredatthelastmailingaddressknown to us. If notice is mailed, proof of mailing will be sufficient proof of notice. Form SC 01 09 10 18Page2 of2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) IMPORTANT NOTICE FOR FLORIDA POLICYHOLDERS Ifyouwouldliketopresentinquiriesorobtaininformationaboutcoverageorobtainassistanceinresolvingacomplaint, please contact YOUR HARTFORD AGENT, or you may contact The Hartford at the number stated below. SERVICING OFFICE: THE HARTFORD BUSINESS SERVICE CENTER 3600 WISEMAN BLVD SAN ANTONIO TX 78251 THE HARTFORD COMPANY: NUTMEG INS AGENCY INC/PHS Written correspondence is preferable so that a record of your inquiry is maintained. PLEASE BE SURE TO INCLUDE YOUR POLICY NUMBER IN ANY CORRESPONDENCE. Form SC 50 15 10 18Page1 of1 Process Date:06/02/2024© 2018, The HartfordPolicy Expiration Date:07/12/2025 (May include copyrighted material of Insurance Services Office, Inc., with its permission) PRODUCER COMPENSATION NOTICE You can review and obtain information on The Hartford’s producer compensation practices atwww.TheHartford.com or at 1-800-592-5717. Form SC 50 31 10 18Page1 of1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DISCLOSURE/CAP ON LOSSES - TERRORISM RISK INSURANCE ACT THISENDORSEMENTISATTACHEDTOANDMADEPARTOFYOURPOLICYINRESPONSETOTHE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. POLICY NUMBER:76 SBU AY9R14 SCHEDULE Terrorism Premium: $11 A.Disclosure Of Premium InaccordancewiththefederalTerrorismRiskInsuranceAct,asamended(TRIA),wearerequiredtoprovideyouwith anoticedisclosingtheportionofyourpremium,ifany,attributabletocoveragefor"certifiedactsofterrorism"under TRIA.TheportionofyourpremiumattributabletoterrorismcoverageisshownintheaboveScheduleofthis endorsement. B.The following definition is added with respect to the provisions of this endorsement: 1.A"certifiedactofterrorism"meansanactthatiscertifiedbytheSecretaryoftheTreasury,inaccordancewiththe provisionsofTRIA,tobeanactofterrorismunderTRIA.ThecriteriacontainedinTRIAfora"certifiedactof terrorism" include the following: a.Theactresultsininsuredlossesinexcessof$5millionintheaggregate,attributabletoalltypesofinsurance subject to TRIA; and b.TheactresultsindamagewithintheUnitedStates,oroutsidetheUnitedStatesinthecaseofcertainair carriers or vessels or the premises of an United States mission; and c.Theactisaviolentactoranactthatisdangeroustohumanlife,propertyorinfrastructureandiscommitted byanindividualorindividualsaspartofanefforttocoercethecivilianpopulationoftheUnitedStatesorto influence the policy or affect the conduct of the United States Government by coercion. C.Disclosure Of Federal Share Of Terrorism Losses TheUnitedStatesDepartmentoftheTreasurywillreimburseinsurersfor80%ofinsuredlossesattributableto "certified acts of terrorism" under TRIA that exceeds the applicable insurer deductible. However,ifaggregateindustryinsuredlossesattributableto"certifiedactsofterrorism"underTRIA),exceed$100 billioninacalendaryear,theTreasuryshallnotmakeanypaymentforanyportionoftheamountofsuchlossesthat exceeds$100billion.TheUnitedStatesgovernmenthasnotchargedanypremiumfortheirparticipationincovering terrorism losses. D.Cap On Insurer Liability for Terrorism Losses Ifaggregateindustryinsuredlossesattributableto"certifiedactsofterrorism"underTRIAexceed$100billionina calendaryearandwehavemet,orwillmeet,ourinsurerdeductibleunderTRIA,weshallnotbeliableforthepayment ofanyportionoftheamountofsuchlossesthatexceed$100billion.Insuchcase,yourcoverageforterrorismlosses maybereducedonapro-ratabasisinaccordancewithproceduresestablishedbytheTreasury,basedonits Form SC 70 00 12 20Page1 of2 Process Date:06/02/2024© 2020, The HartfordPolicy Expiration Date:07/12/2025 (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. estimatesofaggregateindustrylossesandourestimatethatwewillexceedourinsurerdeductible.Inaccordance withtheTreasury'sprocedures,amountspaidforlossesmaybesubjecttofurtheradjustmentsbasedondifferences between actual losses and estimates. E.Application of Other Exclusions Thetermsandlimitationsofanyterrorismexclusion,theinapplicabilityoromissionofaterrorismexclusion,orthe inclusionofterrorismcoverage,donotservetocreatecoverageforanylosswhichwouldotherwisebeexcluded underthisCoverageForm,CoveragePartorPolicy,suchaslossesexcludedbyanypollution,pathogenic,nuclear hazard or war exclusions. F.All other terms and conditions remain the same. Form SC 70 00 12 20Page2 of2 Process Date:06/02/2024© 2020, The HartfordPolicy Expiration Date:07/12/2025 (May include copyrighted material of Insurance Services Office, Inc., with its permission) U.S. DEPARTMENT OF THE TREASURY, OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") ADVISORY NOTICE TO POLICYHOLDERS NocoverageisprovidedbythisPolicyholderNoticenorcanitbeconstruedtoreplaceanyprovisionsofyourpolicy.You should read your policy and review your Declarations page for complete information on the coverages you are provided. ThisNoticeprovidesinformationconcerningpossibleimpactonyourinsurancecoverageduetodirectivesissuedbythe United States.Please read this Notice carefully. TheOfficeofForeignAssetsControl("OFAC")oftheU.S.DepartmentoftheTreasuryadministersandenforces economicandtradesanctionsbasedonU.S.foreignpolicyandnationalsecuritygoalsagainsttargetedforeigncountries andregimes,terrorists,internationalnarcoticstraffickers,thoseengagedinactivitiesrelatedtotheproliferationof weaponsofmassdestruction,andotherthreatstothenationalsecurity,foreignpolicyoreconomyoftheUnitedStates. OFACactsunderPresidentialnationalemergencypowers,aswellasauthoritygrantedbyspecificlegislation,toimpose controlsontransactionsandfreezeassetsunderU.S.jurisdiction.OFACpublishesalistofindividualsandcompanies ownedorcontrolledby,oractingfororonbehalfof,targetedcountries.Italsolistsindividuals,groups,andentities,such asterroristsandnarcoticstraffickersdesignatedunderprogramsthatarenotcountry-specific.Collectively,such individualsandcompaniesarecalled"SpeciallyDesignatedNationalsandBlockedPersons"or"SDNs".Theirassetsare blockedandU.S.personsaregenerallyprohibitedfromdealingwiththem.ThislistcanbelocatedonOFAC’swebsiteat – http//www.treas.gov/ofac. InaccordancewithOFACregulations,ifitisdeterminedthatyouoranyotherinsured,oranypersonorentityclaimingthe benefitsofthisinsurancehasviolatedU.S.sanctionslaworisanSDN,asidentifiedbyOFAC,thepolicyisablocked contractandalldealingswithitmustinvolveOFAC.Whenaninsurancepolicyisconsideredtobesuchablockedor frozen contract, no payments nor premium refunds may be made without authorization from OFAC. Form SC 90 15 10 18Page1 of1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) GOODS AND SERVICES ENDORSEMENT Wemayofferormake“goodsorservices”availabletoyouthroughthisunderwritingcompany,anon-insurersubsidiary, orunaffiliatedthirdpartiesasapartofthispolicy.The“goodsorservices”maybeprovidedforacharge,atadiscount,on asubsidizedbasis,orfreeofcharge.Insomecases,wemayreceiveafeefromtheunaffiliatedthirdpartiesthatprovide “goodsorservices”.Wedonotwarrantorguaranteethe“goodsorservices”providedbythirdparties,andsuchthird partiesshallbesolelyliableandresponsibleforthe“goodsorservices”theyprovide.The“goodsorservices”offeredor made available by us may be modified or discontinued at any time. “Goodsorservices”meansgoods,productsorservices,includingbutnotlimitedtoriskmitigation,safety,and/orloss prevention services or equipment. Form IH 12 05 02 21Page1 of1 © 2021, The Hartford DATE (MM/DD/YYYY) CERTIFICATE OF LIABILITY INSURANCE 06/13/2024 THISCERTIFICATEISISSUEDASAMATTEROFINFORMATIONONLYANDCONFERSNORIGHTSUPONTHECERTIFICATEHOLDER. THISCERTIFICATEDOESNOTAFFIRMATIVELYORNEGATIVELYAMEND,EXTENDORALTERTHECOVERAGEAFFORDEDBYTHE POLICIESBELOW.THISCERTIFICATEOFINSURANCEDOESNOTCONSTITUTEACONTRACTBETWEENTHEISSUINGINSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT:IfthecertificateholderisanADDITIONALINSURED,thepolicy(ies)mustbeendorsed.IfSUBROGATIONISWAIVED, subjecttothetermsandconditionsofthepolicy,certainpoliciesmayrequireanendorsement.Astatementonthiscertificatedoesnot confer rights to the certificate holder in lieu of such endorsement(s). PRODUCERCONTACT NAME: NUTMEG INS AGENCY INC/PHS FAX PHONE (888) 925-3137 76210775 (A/C, No): (A/C, No, Ext): Ejhjubmmz!tjhofe! The Hartford Business Service Center E-MAIL 3600 Wiseman Blvd ADDRESS: San Antonio, TX 78251 Bohjf! INSURER(S) AFFORDING COVERAGENAIC# cz!Bohjf!Bdfwfep! INSURED INSURER A : Hartford Underwriters Insurance Company30104 Hera Property Registry, LLC INSURER B : Hartford Fire Insurance Company19682 1917 S HARBOR CITY BLVD INSURER C : MELBOURNEFL32901-4747 Ebuf;!3135/1:/14! INSURER D: INSURER E : Bdfwfep INSURER F : 26;57;62!.18(11( COVERAGESCERTIFICATE NUMBER:REVISION NUMBER: THISISTOCERTIFYTHATTHEPOLICIESOFINSURANCELISTEDBELOWHAVEBEENISSUEDTOTHEINSUREDNAMEDABOVEFORTHEPOLICYPERIOD INDICATED.NOTWITHSTANDINGANYREQUIREMENT,TERMORCONDITIONOFANYCONTRACTOROTHERDOCUMENTWITHRESPECTTOWHICHTHIS CERTIFICATEMAYBEISSUEDORMAYPERTAIN,THEINSURANCEAFFORDEDBYTHEPOLICIESDESCRIBEDHEREINISSUBJECTTOALLTHE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSRADDLSUBRPOLICY EFFPOLICY EXP POLICY NUMBER TYPE OF INSURANCELIMITS LTRINSRWVD(MM/DD/YYYY)(MM/DD/Y YYY) EACH OCCURRENCE COMMERCIAL GENERAL LIABILITY $1,000,000 DAMAGE TO RENTED CLAIMS-MADEOCCUR $1,000,000 X PREMISES (Ea occurrence) General Liability $10,000 MED EXP (Any one person) X PERSONAL & ADV INJURY $1,000,000 AX76 SBU AY9R1407/12/202407/12/2025 X $2,000,000 GENERAL AGGREGATE GEN'L AGGREGATE LIMIT APPLIES PER: PRO- LOC POLICY $2,000,000 PRODUCTS - COMP/OP AGG X JECT OTHER: COMBINED SINGLE LIMIT AUTOMOBILE LIABILITY $1,000,000 (Ea accident) ANY AUTO BODILY INJURY (Per person) ALL OWNEDSCHEDULED BODILY INJURY (Per accident) A76 SBU AY9R1407/12/202407/12/2025 AUTOSAUTOS HIREDNON-OWNEDPROPERTY DAMAGE XX AUTOSAUTOS(Per accident) OCCUR EACH OCCURRENCE $1,000,000 X UMBRELLA LIAB X CLAIMS- EXCESS LIAB AGGREGATE $1,000,000 76 SBU AY9R1407/12/202407/12/2025 A MADE DED RETENTION$ 10,000 WORKERS COMPENSATIONPEROTH- AND EMPLOYERS' LIABILITYSTATUTE ER ANY Y/N E.L. EACH ACCIDENT PROPRIETOR/PARTNER/EXECUTIVE N/ A E.L. DISEASE -EA EMPLOYEE OFFICER/MEMBER EXCLUDED? (Mandatory in NH) E.L. DISEASE - POLICY LIMIT If yes, describe under DESCRIPTION OF OPERATIONS below Each Wrongful Act$1,000,000 FailSafe Technology Errors or B76 SBU AY9R1407/12/202407/12/2025 Aggregate Limit$1,000,000 Omissions Liability DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES(ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Those usual to the Insured's Operations. Certificate holder is an additional insured per the Business Liability Coverage Form SL3032 attached to this policy. Waiver of Subrogation applies in favor of the Certificate Holder per the Business Liability Coverage Form SL0000, attached to this policy. Notice of Cancellation will be provided in accordance with Form SL9013, attached to this policy. CERTIFICATE HOLDERCANCELLATION SHOULDANYOFTHEABOVEDESCRIBEDPOLICIESBECANCELLED City of Santa Ana BEFORETHEEXPIRATIONDATETHEREOF,NOTICEWILLBEDELIVERED Risk Management Division, its officers, IN ACCORDANCE WITH THE POLICY PROVISIONS. officials, employees, and volunteers AUTHORIZED REPRESENTATIVE 20 CIVIC CENTER PLZ SANTA ANA CA 92701 © 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03)The ACORD name and logo are registered marks of ACORD DATE (MM/DD/YYYY) CERTIFICATE OF LIABILITY INSURANCE 09/03/2024 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS 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). CONTACT PRODUCER Erica Livengood NAME: FAX PHONE Closson Insurance Agency, LLC(407) 898-2211(407) 898-1850 (A/C, No): (A/C, No, Ext): E-MAIL 1201 S. Orlando AvenueELivengood@clossoninsurance.com ADDRESS: Suite 200 INSURER(S) AFFORDING COVERAGENAIC # Winter ParkFL32789Technology Insurance Company42376 INSURER A : INSURED At Bay Specialty Insurance Co19607 INSURER B : Hera Property Registry LLC INSURER C : 19011 S Harbor City Blvd INSURER D : Ste 211 INSURER E : MelbourneFL32901 INSURER F : 7.18.24 COVERAGESCERTIFICATE 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 TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. ADDLSUBR INSRPOLICY EFFPOLICY EXP TYPE OF INSURANCELIMITS POLICY NUMBER LTR(MM/DD/YYYY)(MM/DD/YYYY) INSDWVD COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE$ DAMAGE TO RENTED CLAIMS-MADEOCCUR$ PREMISES (Ea occurrence) MED EXP (Any one person)$ PERSONAL & ADV INJURY$ GEN'L AGGREGATE LIMIT APPLIES PER:GENERAL AGGREGATE$ PRO- POLICYLOCPRODUCTS - COMP/OP AGG$ JECT $ OTHER: COMBINED SINGLE LIMIT AUTOMOBILE LIABILITY $ (Ea accident) ANY AUTOBODILY INJURY (Per person)$ OWNEDSCHEDULED BODILY INJURY (Per accident)$ AUTOS ONLYAUTOS HIREDNON-OWNEDPROPERTY DAMAGE $ (Per accident) AUTOS ONLYAUTOS ONLY $ UMBRELLA LIAB OCCUREACH OCCURRENCE$ EXCESS LIAB CLAIMS-MADEAGGREGATE$ DEDRETENTION$$ PEROTH- WORKERS COMPENSATION STATUTEER AND EMPLOYERS' LIABILITY Y / N 1,000,000 ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT$ AN N / A YTWC445379107/12/202407/12/2025 OFFICER/MEMBER EXCLUDED? 1,000,000 (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE$ If yes, describe under 1,000,000 DESCRIPTION OF OPERATIONS belowE.L. DISEASE - POLICY LIMIT$ Technology$1,000,000 Professional Liability BAB-6740289-0207/18/202407/18/2025Information Privacy$1,000,000 Network Security$1,000,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) A Blanket Waiver of Subrogation applies to the Workers Compensaiton as required by contract CERTIFICATE HOLDERCANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. City of Santa Ana, Risk Management Division its officers, officials, employees and volunteers AUTHORIZED REPRESENTATIVE 20 Civic Center Plaza Santa AnaCA92702 © 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03)The ACORD name and logo are registered marks of ACORD DATE(MM/DD/YYYY) CERTIFICATE OF LIABILITY INSURANCE 09/03/2025 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). PRODUCER CONTACT NUTMEG INS AGENCY INC/PHS NAME: 76210775 PHONE (888)925-3137 FAX (A/C,No,Ext): (A/C,No): The Hartford Business Service Center 3600 Wiseman Blvd E-MAIL San Antonio,TX 78251 ADDRESS: INSURER(S)AFFORDING COVERAGE NAIC# INSURED INSURERA: Hartford Underwriters Insurance Company 30104 Hera Property Registry,LLC INSURER B: Hartford Fire Insurance Company 19682 1917 S HARBOR CITY BLVD INSURERC: MELBOURNE FL 32901-4747 INSURER D INSURER E: INSURER F: COVERAGES CERTIFICATE 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 TERMS,EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY NUMBER POLICY EFF POLICY EXP LIMITS LTR INSR WVD MM/DD/YYYY MM/DD/YYYY COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $1,000,000 CLAIMS-MADE OCCUR DAMAGE TO RENTED $1,000,000 PREMISES Ea occurrence X General Liability MED EXP(Any one person) $10,000 A X X 76 SBU AY9R14 07/12/2025 07/12/2026 PERSONAL&ADV INJURY $1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000,000 X JECT LOC PRODUCTS-COMP/OPAGG $2,000,000 POLICY❑PRO- ❑ OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $1,000,000 Ea accident ANY AUTO BODILY INJURY(Per person) A ALL OWNED SCHEDULED 76 SBU AY9R14 07/12/2025 07/12/2026 BODILY INJURY(Per accident) AUTOS AUTOS HIRED NON-OWNED PROPERTY DAMAGE X AUTOS X AUTOS (Per accident) X UMBRELLA LAB X OCCUR EACH OCCURRENCE $1,000,000 EXCESS LAB CLAIMS- AGGREGATE $1,000,000 A MADE 76 SBU AY9R14 07/12/2025 07/12/2026 DED RETENTION$ 10,000 WORKERS COMPENSATION PER I OTH- AND EMPLOYERS'LIABILITY STATUTE ER ANY Y/N E.L.EACH ACCIDENT PROPRIETOR/PARTNER/EXECUTIVE N/A OFFICER/MEMBER EXCLUDED? E.L.DISEASE-EA EMPLOYEE (Mandatory in NH) If yes,describe under E.L.DISEASE-POLICY LIMIT DESCRIPTION OF OPERATIONS below FailSafe Technology Errors or Each Wrongful Act $1,000,000 B 76 SBU AY9R14 07/12/2025 07/12/2026 Omissions Liability Aggregate A re ate Limit $1,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES(ACORD 101,Additional Remarks Schedule,may be attached if more space is required) Those usual to the Insured's Operations. CERTIFICATE HOLDER CANCELLATION City of Santa Ana, its City Council, SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED officers,off icia Is,employees,agents, & BEFORE THE EXPIRATION DATE THEREOF,NOTICE WILL BE DELIVERED volunteers;Planning and Building Agency IN ACCORDANCE WITH THE POLICY PROVISIONS. 20 CIVIC CENTER PLZ AUTHORIZED REPRESENTATIVE SANTA ANA CA 92701 ©1988-2015 ACORD CORPORATION.All rights reserved. ACORD 25(2016103) The ACORD name and logo are registered marks of ACORD Tu Tran T�Tallysigne by APPROVED Date:2025.09.03 By Tu Tran Nguyen at 2:46 pm,Sep 03,2025 Nguyen 14:4723-07'00' AGENCY CUSTOMER ID: LOC#: r� ryr• ADDITIONAL REMARKS SCHEDULE Page 2 of 2 AGENCY NAMED INSURED NUTMEG INS AGENCY INC/PHS HERA PROPERTY REGISTRY, LLC POLICY NUMBER 1917 S HARBOR CITY BLVD SEE ACORD 25 MELBOURNE FL 32901-4747 CARRIER NAIC CODE SEE ACORD 25 EFFECTIVE DATE:SEE ACORD 25 ADDITIONAL REMARKS THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM FORM NUMBER: ACORD 25 FORM TITLE: CERTIFICATE OF LIABILITY INSURANCE Certificate holder is an additional insured per the Business Liability Coverage Form SL3032 attached to this policy. Waiver of Subrogation applies in favor of the Certificate Holder per the Business Liability Coverage Form SL0000, attached to this policy. Coverage is primary and noncontributory per the Business Liability Coverage Form SL0000, attached to this policy. Notice of Cancellation will be provided in accordance with Form SL9013, attached to this policy. ACORD 101 (2014/01) ©2014 ACORD CORPORATION.All rights reserved. The ACORD name and logo are registered marks of ACORD DATE(MM/DD/YYYY) A�" CERTIFICATE OF LIABILITY INSURANCE 08/29/2025 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS 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). PRODUCER CONTACT Erica Livengood NAME: Closson Insurance Agency,LLC HCNN. Ext: (407)898-2211 (FAX ,No): (407)898-1850 1201 S.Orlando Avenue E-MAIL ELivengood@clossoninsurance.com ADDRESS: Suite 200 INSURER(S)AFFORDING COVERAGE NAIC# Winter Park FL 32789 INSURERA: Technology Insurance Company 42376 INSURED INSURER B: At Bay Specialty Insurance Co 19607 Hera Property Registry LLC INSURER C: 1917 S Harbor City Blvd INSURER D: INSURER E: Melbourne FL 32901 INSURER F: COVERAGES CERTIFICATE NUMBER: 7.18.25 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 CONTRACTOR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAYBE ISSUED OR MAY PERTAIN,THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE POLICY EFF POLICY EXP LTR INSD WVD POLICY NUMBER MM/DD/YYYY MM/DD/YYYY LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ DAMAGE TO RETED CLAIMS-MADE OCCUR -PREMISES Ea occurrence $ MED EXP(Any one person) $ PERSONAL&ADV INJURY $ GEN'LAGGREGATE LIMITAPPLIES PER: GENERAL AGGREGATE $ POLICY ❑ PRO ❑ LOC PRODUCTS-COMP/OP AGG $ JECT OTHER: $ AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ Ea accident ANYAUTO BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accide nt) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY AUTOS ONLY Per accident UMBRELLA LIAB OCCUR EACH OCCURRENCE $ EXCESS LAB CLAIMS-MADE AGGREGATE $ DED I I RETENTION $ $ WORKERS COMPENSATION ER/� STATUTE EORH AND EMPLOYERS'LIABI LI TY YIN 1,000,000 ANY PROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $ AOFFICER/MEMBER EXCLUDED? NIA Y TWC4637001 07/12/2025 07/12/2026 (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ 1,000,000 If yes,describe under 1,000,000 DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ Professional Liability Technology $1,000,000 B AB-6740289-03 07/18/2025 07/18/2026 Information Privacy $1,000,000 Network Security $1,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) A Blanket Waiver of Subrogation applies to the Workers Compensaiton as required by contract APPROVED By Tu Tran Nguyen at 2:46 pm,Sep 03,2025 CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF,NOTICE WILL BE DELIVERED IN City of Santa Ana ACCORDANCE WITH THE POLICY PROVISIONS. Planning and Building Agency AUTHORIZED REPRESENTATIVE 20 Civic Center Plaza Santa Ana CA 92701 @ 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 03 13 (Ed. 04-84) WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule. Schedule Any person or organization as required by written contract This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 7/12/2025 Policy No. TWC4637001 Endorsement No. 0 Insured HERA PROPERTY REGISTRY LLC Premium $ 458 Insurance Company Technology Insurance Company, Inc. Countersigned by WC 00 03 13 (Ed. 04-84) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IN THE HARTFORD BLANKET ADDITIONAL INSURED BY CONTRACT This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Section C.WHO IS AN INSURED: Additional Insureds When Required By Written Contract,Written Agreement Or Permit The person(s) or organization(s) identified in Paragraphs a. through f. below are additional insureds when you have agreed, in a written contract or written agreement, or when required by a written permit issued by a state or governmental agency or subdivision or political subdivision that such person or organization be added as an additional insured on your Coverage Part, provided the injury or damage occurs subsequent to the execution of the contract or agreement, or the issuance of the permit. A person or organization is an additional insured under this provision only for that period of time required by the contract, agreement or permit. However, no such person or organization is an additional insured under this provision if such person or organization is included as an additional insured by any other endorsement issued by us and made a part of this Coverage Part. The insurance afforded to such additional insured will not be broader than that which you are required by the contract, agreement, or permit to provide for such additional insured. The insurance afforded to such additional insured only applies to the extent permitted by law. The limits of insurance that apply to additional insureds are described in Section D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE. How this insurance applies when other insurance is available to an additional insured is described in the Other Insurance Condition in Section E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS. a. Vendors Any person(s) or organization(s) (referred to below as vendor), but only with respect to "bodily injury" or "property damage" arising out of "your products" which are distributed or sold in the regular course of the vendor's business and only if this Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products-completed operations hazard". (1) The insurance afforded to the vendor is subject to the following additional exclusions: This insurance does not apply to: (a) "Bodily injury" or "property damage" for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement; (b) Any express warranty unauthorized by you; (c) Any physical or chemical change in the product made intentionally by the vendor; (d) Repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; (e) Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products; (f) Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of the product; Form SL 30 32 06 21 Page 1 of 3 ©2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (g) Products which, after distribution or sale by you, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for the vendor; or (h) "Bodily injury" or"property damage" arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (i) The exceptions contained in Paragraphs (d) or(f); or (ii) Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. (2) This insurance does not apply to any insured person or organization from whom you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products. b. Lessors Of Equipment (1) Any person or organization from whom you lease equipment; but only with respect to their liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your maintenance, operation or use of equipment leased to you by such person or organization. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to any "occurrence"which takes place after you cease to lease that equipment. c. Lessors Of Land Or Premises (1) Any person or organization from whom you lease land or premises, but only with respect to liability arising out of the ownership, maintenance or use of that part of the land or premises leased to you. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a) Any 'occurrence"which takes place after you cease to lease that land or be a tenant in that premises; or (b) Structural alterations, new construction or demolition operations performed by or on behalf of such person or organization. d. Architects, Engineers Or Surveyors (1) Any architect, engineer, or surveyor, but only with respect to liability for"bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (a) In connection with your premises; (b) In the performance of your ongoing operations performed by you or on your behalf; or (c) In connection with "your work" and included within the "products-completed operations hazard", but only if: (i) The written contract, written agreement or permit requires you to provide such coverage to such additional insured; and (ii) This Coverage Part provides coverage for"bodily injury" or"property damage" included within the "products-completed operations hazard". (2) With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or the failure to render any professional services, including: (i) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (ii) Supervisory, surveying, inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property Form SL 30 32 06 21 Page 2 of 3 ©2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD damage", or"personal and advertising injury" arises out of the rendering of or the failure to render any professional service. e. State Or Governmental Agency Or Subdivision Or Political Subdivision Issuing Permit (1) Any state or governmental agency or subdivision or political subdivision, but only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a permit. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a) "Bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the federal government, state or municipality; or (b) "Bodily injury" or"property damage" included within the "products-completed operations hazard". f. Any Other Party (1) Any other person or organization who is not in one of the categories or classes listed above in Paragraphs a. through e. above, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (a) In the performance of your ongoing operations performed by you or on your behalf; (b) In connection with your premises owned by or rented to you; or (c) In connection with "your work" and included within the "products-completed operations hazard", but only if: (i) The written contract, written agreement or permit requires you to provide such coverage to such additional insured; and (ii) This Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products-completed operations hazard". (2) With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of, or the failure to render, any professional architectural, engineering or surveying services, including: (a) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (b) Supervisory, surveying, inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service described in Paragraphs f.(2)(a) or f.(2)(b) above. Form SL 30 32 06 21 Page 3 of 3 ©2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD coverages applicable to such claim or "suit". However, this paragraph does not apply to the Medical Expenses limit set forth in Paragraph 3. above. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit a. Notice Of Occurrence Or Offense You or any additional insured under this Coverage Part must see to it that we are notified as soon as practicable of an "occurrence" or an offense which may result in a claim. To the extent possible, notice should include: (1) How, when and where the "occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. b. Notice Of Claim If a claim is made or "suit" is brought against any insured, you or any additional insured under this Coverage Part must: (1) Immediately record the specifics of the claim or"suit" and the date received; and (2) Notify us as soon as practicable. You or any additional insured under this Coverage Part must see to it that we receive a written notice of the claim or"suit" as soon as practicable. c. Assistance And Cooperation Of The Insured You and any other involved insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or"suit"; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation, settlement of the claim or defense against the "suit"; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization that may be liable to the insured because of injury or damage to which this insurance may also apply. d. Obligations At The Insured's Own Cost No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent. e. Additional Insured's Other Insurance If we cover a claim or "suit" under this Coverage Part that may also be covered by other insurance available to an additional insured under this Coverage Part, such additional insured must submit such claim or "suit" to the other insurer for defense and indemnity. However, this provision does not apply to the extent that you have agreed in a written contract, written agreement or permit that this insurance is primary and non-contributory with such additional insured's own insurance. f. Knowledge Of An Occurrence, Offense, Claim Or Suit Paragraphs a. and b. apply to you or to any additional insured under this Coverage Part only when such "occurrence", offense, claim or"suit" is known to: Form SL 00 00 10 18 Page 15 of 22 ©2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (1) You or any additional insured under this Coverage Part that is an individual; (2) Any partner, if you or an additional insured under this Coverage Part is a partnership; (3) Any manager, if you or an additional insured under this Coverage Part is a limited liability company; (4) Any"executive officer" or insurance manager, if you or an additional insured under this Coverage Part is a corporation; (5) Any trustee, if you or an additional insured under this Coverage Part is a trust; or (6) Any elected or appointed official, if you or an additional insured under this Coverage Part is a political subdivision or public entity. This Paragraph f. applies separately to you and any additional insured under this Coverage Part. 3. Legal action Against Us No person or organization has a right under this Coverage Part: a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this insurance or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal representative. 4. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Policy to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and b. Separately to each insured against whom a claim is made or"suit" is brought. 5. Representations a. When You Accept This Policy By accepting this Policy, you agree: (1) The statements in the Declarations are accurate and complete; (2) Those statements are based upon representations you made to us; and (3) We have issued this Policy in reliance upon your representations. b. Unintentional Failure To Disclose Hazards If unintentionally you should fail to disclose all hazards relating to the conduct of your business at the inception date of this Coverage Part, we shall not deny any coverage under this Coverage Part because of such failure. 6. Other Insurance If other valid and collectible insurance is available for a loss we cover under this Coverage Part, our obligations are limited as follows: a. Primary Insurance This insurance is primary except when b. below applies. If other insurance is also primary, we will share with all that other insurance by the method described in c. below. b. Excess Insurance This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis: (1) Your Work That is Fire, Extended Coverage, Builder's Risk, Installation Risk, Owner Controlled Insurance Program or OCIP, Contractor Controlled Insurance Program or CCIP, Wrap Up Insurance or similar coverage for "your work"; Form SL 00 00 10 18 Page 16 of 22 ©2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (2) Premises Rented To You That is fire, lightning or explosion insurance for premises rented to you or temporarily occupied by you with permission of the owner; (3) Tenant Liability That is insurance purchased by you to cover your liability as a tenant for "property damage" to premises rented to you or temporarily occupied by you with permission of the owner; (4) Aircraft, Auto Or Watercraft If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to Exclusion g. of Section B. Exclusions. (5) Property Damage To Borrowed Equipment Or Use Of Elevators If the loss arises out of"property damage"to borrowed equipment or the use of elevators to the extent not subject to Exclusion k. of Section B. Exclusions. (6) When You Are Added As An Additional Insured To Other Insurance That is other insurance available to you covering liability for damages arising out of the premises or operations, or products and completed operations, for which you have been added as an additional insured by that insurance; or (7) When You Add Others As An Additional Insured To This Insurance That is other insurance available to an additional insured. However, the following provisions apply to other insurance available to any person or organization who is an additional insured under this Coverage Part: (a) Primary Insurance When Required By Contract This insurance is primary if you have agreed in a written contract, written agreement or permit that this insurance be primary. If other insurance is also primary, we will share with all that other insurance by the method described in c. below. (b) Primary And Non-Contributory To Other Insurance When Required By Contract If you have agreed in a written contract, written agreement or permit that this insurance is primary and non-contributory with the additional insured's own insurance, this insurance is primary and we will not seek contribution from that other insurance. Paragraphs (a) and (b) do not apply to other insurance to which the additional insured has been added as an additional insured. When this insurance is excess, we will have no duty under this Coverage Part to defend the insured against any "suit" if any other insurer has a duty to defend the insured against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (1) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (2) The total of all deductible and self-insured amounts under all that other insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all the other insurance permits contribution by equal shares, we will follow this method also. Under this approach, each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. Form SL 00 00 10 18 Page 17 of 22 ©2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 7. Transfer Of Rights Of Recovery Against Others To Us a. Transfer Of Rights Of Recovery If the insured has rights to recover all or part of any payment, including Supplementary Payments, we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. This condition does not apply to Medical Expenses Coverage. b. Waiver Of Rights Of Recovery (Waiver Of Subrogation) If the insured has waived any rights of recovery against any person or organization for all or part of any payment, including Supplementary Payments, we have made under this Coverage Part, we also waive that right, provided the insured waived their rights of recovery against such person or organization in a contract, agreement or permit that was executed prior to the injury or damage. F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS 1. "Advertisement" means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purpose of this definition: a. Notices that are published include material placed on the Internet or on similar electronic means of communication; and b. Regarding web sites, only that part of a web site that is about your goods, products or services for the purpose of attracting customers or supporters is considered an advertisement. 2. "Advertising idea" means any idea for an "advertisement". 3. "Asbestos hazard" means an exposure or threat of exposure to the actual or alleged properties of asbestos and includes the mere presence of asbestos in any form. 4. "Auto" means: a. A land motor vehicle, trailer or semi-trailer designed for travel on public roads, including any attached machinery or equipment; or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". 5. "Bodily injury" means physical: a. Injury; b. Sickness; or c. Disease sustained by a person and, if arising out of the above, mental anguish or death at any time. 6. "Coverage territory" means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; b. International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in a. above; c. All other parts of the world if the injury or damage arises out of: (1) Goods or products made or sold by you in the territory described in a. above; (2) The activities of a person whose home is in the territory described in a. above, but is away for a short time on your business; or Form SL 00 00 10 18 Page 18 of 22 ©2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission)