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HomeMy WebLinkAboutFIFTH ASSEST, INC. dba DEBTBOOK OD 23Q3 Aik , CERTIFICATE OF PLIABILITY INSURANCE DATEi U5130120720YYYY) 26 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($), 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 endorsements. PRODUCER CONTACT AON RISK SERVICES SOUTH ING NAME: Aon Risk Services,Inc of Florida 3560 LENOX ROAD NORTHEAST E FAX SUITE 1700 (ION Ext:833-506.1644 AfC No): A7 ANTA GA 30326 AMAIL DDRESS: work.compatr1not.corn INSURER(S)AFFORDING COVERAGE NAIC 1f INSURER A: Indemnity Insurance Company of North Amancb 43575 INSURED INSURER B TrlNet Group,Inc.LICIF Fifth Asset,Inc DRA Debtbook t Perk Place,Suite 000 INSURER C: Dublin,CA 94560-7983 INSURER D: INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: 16003668 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 * x 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 15 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 SLIBR POLICY NUMBER POLICY EFF POLICY EXP LIMITS LTt2 INSR WVD MMfDDIYYYY MMIDDIYYYY COMMERCIAL GENERAL LIABILITY EACH E ENCRR $ DAMAGET01RRENC . CLAIMS-MADC OCCUR OCCURRENCE CCU PREMISES tFa occurrence $ MED CXP(Any one erson $ PERSONAL&ADV INJURY $ CFN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ POLICY❑PROJECT❑LOC PRODUCTS-COMPIOPAGO $ OTHER AUTOMOBILE LIABILITY ED 91NOLL LIMIT ANYAUTO (Ea accident $ WNED130DILY INJURY Per arson AUTOS AUTOS SCHEDULED BODILY INJURY Pef accident $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE AUTOS ONLY AUTOS ONLY Per accldanl $ $ UMBRELLA LIAB OCCUR EACH OCCURRENCE $ EXCESS LIAR CLAIMS-MADE A GReGATE $ DEC RETENTION$ WORKERS COMPENSATION EATR OT » AND EMPLOYERS'LIABILITY YIN X STUTE ER OT A ANY I'ROPRIETOfirPARTNERlEXECUTIVELNJ WLR_CT4791098 E.L.EACH ACCIDENT $ 2,000,C00 OFFICERIMEMBEREXCLUDED? NIA X 07/01/2026 07I0V2027 (Mandatory In NH) E.L.DISEASE-EA EMPLOYEE $ 2,000,000 If yam,describe under DESCRIPTION OF OPERATIONS below L.L.DISEASE•POLICY LIMIT $ 2,000,000 DESCRIPTION OF OPERATIONSt LOCATIONS I VEHICLES(ACORD 101;Addillonal Remarks Schedule,may be attached if more space Is required) Workers Compensation coverage Is limited to workslfa umployeas of Fifth Asset,Inc 013A Debtbook through a cc-employment agreement with TrlNet HR IN,Inc. List of additional covered entities under the above poppy: dba Dobibook Walver of subrogatan In favor of City of Santa Ana,and Its City Counoll,officers,officials,empioyeas,agents,and volunteers.as respects of job performed by Fifth Asset,Inc DBA Dehthook as required by written contract. APPROVED By Tu Tran Nguyen at 2:59 pm,Jun 24,2026 CERTIFICATE HOLDER CANCELLATION a City of Santa Ana SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Finance&Management Services Agency THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN a Accounting Dlv]slon ACCORDANCE WITH THE POLICY PROVISIONS, 20 Civic Center Plaza M-17 Santa Ana,CA 92701 AUTHORIZED REPRESENTATIVE dion Ckih eetvieeb douth 2nc 0 ©1988-2015 ACORD CORPORATION,All rights reserved. ACORD 25(2016103) The ACORD name and logo are registered marks of ACORD 4 Workers' Compensation and Employers' Liability Policy. Named Insured TriNct Group,inc.LiCiF Fifth Asset,Inc DBA 13ebtbook Endorsement Number Park Place,Suite 600 Dublin,CA 94568-7983 Policy Number Symbol;WLR Number;C74791098 Policy Period Effective Date of Endorsement 07/01/2026 TO 07/01/2027 07/01/2026 Issued By(Name of Insurance Company} IMcninity Irisuraeoe Company of North America Insert the policy number.The remainder of the Information Is to be completed only when this endorsement is issued subsequent to the preparation of the policy. This endorsement changes thepolicy to which It Is attached and is effective on the date issued unless otherwise stated. CALIFORNIA WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS.ENDORSEMENT This endorsement applies only to the insurance provided by the policy because California is shown in item 3.A. of the Information Page. 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, but this waiver applies only with respect to bodily injury arising out of the operations described in the Schedule,where you are required by a written contract to obtain this waiver from us. You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule, Schedule 1. (X) Specific Waiver Name of person or organization: City of Santa Ana,and its City Council,officers,officials,employees;agents,and volunteers. Finance&Management Services Agency Accounting Division 20 Civic Center Plaza M-17 Santa Ana,CA 92701 ' () Blanket Waiver Any person or organization for whom the Named Insured has agreed by written contract to furnish this waiver. 2. Operations; 3, Premium: The premium charge for this endorsement shall be INCLUDED percent of the California premium developed on payroll in connection with work performed for the above person(s)or organization(s)arising out of the operations described. 4. Minimum Premium: INCLUDED Authorized Representative WC 90 03 75 (05/18) P{ocUsign En"I pe IP:4FF851C3-ADE54C7B-81Bli-ffD761 1119215 UNTIL!NSLJRk�CL HPIR 3 N-2025-156 CITY CLERK DATE. JUL 0 3 2025 MASTER SERVICES AGREEMENT C1 This Master Services Agreement ("Agreement") is entered into as of the Effective Date by and between DebtBook and the customer signing below("Customer"),By executing the Order Form and using any of the Services,Customer agrees to be bound by this Agreement. In consideration of the mutual covenants and conditions contained in this Agreement and intending to be legally bound,the Parties agree as follows: 1. Definitions. "Aggregated Statistics"means data and information related to Customer's use of the Services that is used by DebtBook in an aggregate and anonymized manner,including statistical and performance information related to the Services. "Agreement"means,collectively and to the extent applicable,this Master Services Agreement and incorporates the Order Form, any Customer Terms, and the Incorporated Documents, in each case as may be amended from time to time in accordance with their terms. "Application Obligations" means, collectively, each contractual or financial obligation or agreement managed by Customer using the Products made available to Customerthrough the Application Services. "Application Services" means the Products and other application-based services that DebtBook offers to Customer through access to the DebtBook application.The specific Products offered to Customer as part of the Application Services are limited to those Products expressly described in any Order Form then in effect. "Appropriate Security Measures" means, collectively, commercially reasonable technical and physical controls and safeguards intended to protect Customer Data against destruction, loss, unauthorized disclosure, or unauthorized access by employees or contractors employed by DebtBook. "Authorized User" means any of Customers employees,consultants, contractors,or agents who are authorized by Customer to access and use any of the Services. "Customer"means the person or entity purchasing the Services as identified in the Order Form. "Customer Data" means, other than Aggregated Statistics, information, data, and other content, in any form or medium,that is transmitted by or on behalf of Customer or an Authorized User through the Services. "Customer Terms"means the terms set forth in or otherwise identified and incorporated into the Agreement_Forthe avoidance of doubt,"Customer Terms"does not include any purchase order or similar document generated by Customer unless such document is expressly identified and incorporated into the Agreement. "DebtBook"means Fifth Asset,Inc.,d/b/a DebtBook,a Delaware corporation,and its permitted successor and assigns. "DebtBook IP" means (1) the Products, Services, Documentation, and Feedback, including all ideas, concepts, discoveries, strategies, analyses, research, developments, improvements, data, materials, products, documents, works of authorship,processes, procedures,designs,techniques,inventions, and other intellectual property,whether or not patentable or copyrightable,and all embodiments and derivative works of each of the foregoing in any form and media,that are developed, generated or produced by DebtBook arising from or related to the Product,Services, Documentation,or Feedback,and(2)any intellectual property provided to Customer or any Authorized User in connection with the foregoing other than Customer Data. "DebtBook Quote"means any pricing document identified and incorporated into each Order Form that may establish the Products,Services,Term,payment terms,and other relevant details applicable to each Customer purchase of Products and Services under such Order Form. "Documentation" means DebtBook's end user documentation and content, regardless of media, relating to the Products or Services made available from time to time on DebtBook's website at htt s: su crt.debtbook.com. "Effective Date"means the date of last signature of the Order Form and/or Agreement,unless a specific Effective Date is set forth on the Order Form. "Feedback"means any comments,questions,suggestions,or similar feedback transmitted in any manner to DebtBook, including suggestions relating to features,functionality,or changes to the DebtBook IP, "Guided Implementation Services" means DebtBook's standard Implementation Services option, including basic implementation support,guidance,and training. "Governing State" means, if Customer is a Government Entity,the state in which Customer is located. If Customer is Lot a Government Entity,"Governing State"means the State of North Carolina. Docusign Envelope iD:4FF8S1C3-ADE5.4C70-8186-BD7B11119215 "Government Entlty"means any unit of state or local government,including states,counties,cities,towns,villages, school districts,special purpose districts,and any other political or governmental subdivisions and municipal corporations,and any agency,authority,board,or instrumentality of any of the foregoing. "Implementation Services" means DebtBook's Guided Implementation Services or Its Premium Implementation Services,In each case as requested by Customer and as provided to Customer on an annual basis. "Incorporated Documents" means, collectively, the Privacy Policy, the SLA,and the Usage Policy,as each may be updated from time to time in accordance with their terms.The Incorporated Documents,as amended,are incorporated into this Agreement by this reference.Current versions of the Incorporated Documents are available at h1tos:/Jwwv8Lde tbook. om legal. "Initial Term"means the Initial Term established in the Order Form. "Onboarding Services"means onboarding services,support,and training as required to make the Application Services available to Customer during the Initial Term. "Order Form" means each order document (Including, if applicable, any DebtBook Quote incorporated therein by reference)duly authorized by Customer and DebtBook for the purchase of any Products or Services in effect from time to time, as each such Order Form may be amended,modified,or replaced in accordance with its terms and this Agreement. "Premium Implementation Services" means DebtBook's premium Implementation Services option, including Implementation support,guidance,and training,review of Application Obligations,and entry of relevant Customer Data. "Pricing 71er"means,if applicable,Customer's pricing tier for each Product as of the date of determination. "Privacy Policy"means,collectively,DebtBook's privacy policy and any similar data policies generally applicable to all users of the Application Services,in each case as posted to DebtBook's website and as updated from time to time in accordance with their terms. "Products" means, collectively, any products DebtBook may offer to Customer from time to time through the Application Services,In each case as established In any Order Form then In effect. "Renewal Term"means any renewal term established in accordance with the terms of the Agreement. "Services"means,collectively,the Application Services,the Onboa rding Services,the Implementation Services,and the Support Services, or any additional services identified on the applicable Order Form. For the avoidance of doubt, "Services" includes the underlying Products made available to Customer through access to the Application Services. "SLA" means the Service Level Addendum generally applicable to ail users of the Application Services,as posted to DebtBook's website and as updated from time to time in accordance with itsterms. "Support Services"means the general maintenance services and technical support provided in connection with the Application,as more particularly described in the SLA, "Term"means,collectively,the Initial Term and,if applicable,each successive Renewal Term. "Usage Policy" means, collectively, DebtBook's acceptable usage policy, any end user licensing agreement, or any similar policy generally applicable to all end users accessingthe Application Services,In each case as posted to DebtBook'swebsite and as updated from time to time in accordance with its terms. Each capitalized term used but not otherwise defined in this Agreement has the meaning given to such term in the applicable Order Form. 2. Access and Use. (a) Provision of Access.Subject to the terms and conditions of the Agreement,DebtBook grants Customer and Customer's Authorized Users a non-exclusive,non-transferable(except as permitted by this Agreement)rightta access and use the Application Services during the Term,solely for Customer's internal use and forthe Authorized Users'use in accordance with the Agreement.DebtBook wi l l provide to Customer the necessary passwords a nd network links or connections to allow Customer to access the Application Services. (b) Documentation License.SubJect to the terms and conditions of the Agreement,DebtBook grants to Customer and Customer's Authorized Users a non-exclusive,non-sublicensable,non-transferable(except as permitted by this Agreement) license to use the Documentation during the Term solely for Customer's and its Authorized User's internal business purposes in connection with its use of the Services. (c) Customer Responsibilities.Customer is responsible and liable for its Authorized Users'access and use of the Services and Documentation, regardless of whether such use is permitted by the Agreement.Customer must use reasonable Docuslgn Envelope ID:4FF851G3-ADE5-4C70-8186-BD7B11119215 efforts to make all Authorized Users aware of the provisions applicable to their use of the Services,Including the Incorporated Documents. (d) Use Restrict€ons.Customer may not at any time,directly or Indirectly through any Authorized User,access or use the Services in violation of the Usage Policies,including any attempt to(1)copy, modify,or create derivative works of the Services or Documentation, in whole or In part; (2) sell, license, or otherwise transfer or make available the Services or Documentation except as expressly permitted by the Agreement;or(3) reverse engineer,disassemble,decomplfe,decode,or otherwise attempt to derive or gain access to any software component of the Services,in whole or in part. Customer will not knowingly transmit any personally Identifiable information to DebtBook or any other third-party through the Services. (e) - Suspension.Notwithstanding anything to the contrary in the Agreement,DebtBook may temporarily suspend Customer's and any Authorized User's access to any or all of the Services if:(1)Customer is more than 45 days late In making any payment due under,and in accordance with,the terms of the Agreement,(2)DebtBook reasonably determines that(A)there is a threat or attack on any of the DebtBook IP;(B)Customer's or any Authorized User's use of the DebtBook I P disrupts or poses a security risk to the DebtBook iP or to any other customer or vendor of DebtBook;(C)Customer,or any Authorized User,is using the DebtBook iP for fraudulent or other illegal activities; or(D) DebtBook's provision of the Services to Customer or any Authorized User is prohibited by applicable law;or(3)any vendor of DebtBook has suspended or terminated DebtBook's access to or use of any third-party services or products required to enable Customer to access the Services(any such suspension, a "Service Suspension").DebtBook will use commercially reasonable efforts to(1)provide written notice of any Service Suspension to Customer,(11)provide updates regarding resumption of access to the Services,and(Ill)resume providing access to the Services as soon as reasonably possible afterthe event giving rise to the Service Suspension is cured.DebtBook is not liable for a ny damage, losses,or a ny other consequences that Customer or any Authorized User may€ncu r as a result of a Service Suspension. (f) Aggregated 5tatlstics. Notwithstanding anything to the contrary in the Agreement,DebtBook may monitor Customer's use of the Services and collect and compile Aggregated Statistics.As between DebtBook a nd Customer,all right,title, and Interest in Aggregated Statistics,and all intellectual property rights therein,belong to and are retained solely by DebtBook. DebtBook may compile Aggregated Statistics based on Customer Data input into the Services.DebtBook may(1)make Aggregated Statistics publicly available in compliance with applicable law,and(2)use Aggregated Statisticsas permitted under applicable law so long as, in each case, DebtBook's use of any Aggregated Statistics does not identify Customer or disclose Customers Confidential Information. 3. Services and Su pport. (a) Order Forms.The Services and Products,and any Service or Product speclficterms and conditions,will be set forth in the Order Form,governed by this Agreement.Customer's execution of an Order Form constitutes a binding commitment to purchase the Services and Products specified in such Order Form. (b) Services Generally. Subject to the terms of the Agreement, DebtBook will grant Customer access to the Application Servicesduringthe Initial Term and,if applicable,each subsequent Renewal Term.As part of the onboarding process, DebtBook will provide Customer with the Onboarding Services and the level of Implementation Services indicated in the Order Form,DebtBook will provide Customer with the Support Services throughout the Term. (c) Implementation Services. DebtBook will provide Implementation Services for each Product to the extent Indicated for such Product in the applicable Order Form. Unless DebtBook has agreed to provide Premium Implementation Services for any such Product In accordance with this subsection,DebtBook will provide Customer with Guided Implementation Services for such Product at no additional charge.At Customers request,DebtBook will identify in an Order Form those Products for which DebtBook will provide Premium Implementation Services. For each Product indicated for Premium Implementation Services, DebtBook will charge Customer a one-time Fee for the Premium Implementation Services as set forth in such Order Form, Customer agrees to cooperate in good faith and to respond in a timely manner to any reasonable request for data or information DebtBook may require to complete the Implementation Services. DebtBook is not obligated to provide any Implementation Services after the date that is 180 days after the Effective Date of the Order Form pursuant to which DebtBook is providing such Implementation Services. (d) Service levels and Support. Subject to the terms and conditions of the Agreement,DebtBook will make the Application Services and Support Services available In accordance with the S1A. 4. Fees and Payment. (a) fees.Customer will pay DebtBook the fees set forth in each Order Form(the"Fees").DebtBook will Invoice Customer for all Fees in accordance with the Invoicing schedule and requirements set forth In each Order Form.Customer must pay all Fees in US dollars within 30 days of Its receipt of a valid invoice unless other payment terms are set forth In the Customer Terms. If Customer is a Government Entity,then Customers obligation to pay any Fees under the Agreement Is subject in all respects to the requirements and limitations of the Governing State's prompt payment act,as amended. Except as expressly Docusign Envelope ID:4FF851C3-ADE5-4C70-8186-BD7B11119215 provided in the Agreement,DebtBook does not provide refunds of any paid Fees. Unless otherwise provided In the Customer Terms,and to the extent permitted by applicable law,If Customer falls to make any payment when due,DebtBook may,without limiting any of its other rights,charge Interest on the past due amount at the lowg of(1)the rate of 1.5%per month,(2)the rate established in any Customer Term,or(3)the maximum rate permitted under applicable law. (b) Taxes.All Fees and other amounts payable by Customer under the Agreement are exclusive of taxes and similar assessments.Unless Customer Is exempt from making any such payment underapplicable law or regulation,Customer Is responsible forall applicable sales,use,and excise taxes,and any other similar taxes,duties,and chargesof any kind imposed by any federal, state,or local governmental or regulatory authority on any amounts payable by Customer under the Agreement, other than anytaxes imposed on DebtBook's income. 5. Confidential Infer mation. (a) From time to time during the Term,either party(the"Disclosing Party")may disclose or make available to the other party (the "Receiving Party") information about the Disclosing Party's business affairs, products, confidential intellectual property,trade secrets,third-party confidential information,and other sensitive orproprietary information,whether In written,electronic,or other form or media,that Is marked,designated,or otherwise identified as"confidential",or which a reasonable person would understand to be confidential or proprietary under the circumstances (collectively, "Confidential In1lbrmation"). For the avoidance of doubt,DebtBook's Confidential information Includes the DebtBook IP and the Application Services source code and specifications. As used In the Agreement, "Confidential Information" expressly excludes any Information that,at the time of disclosure is(1)in the public domain;(2)known to the receiving party at the time of disclosure; (3)rightfully obtained by the Receiving Party on a non-confidential basis from a third party;or(4)independently developed by the Receiving Party. (b) To the extent permitted by applicable law,the Receiving Party will hold the Disclosing Party's Confidential Information In strict confidence and may not disclose the Disclosing Party's Confidential Information to any person or entity, except to the Receiving Party's employees,officers,directors,agents,subcontractors,financial advisors,and attorneys who have a need to know the Confidential Information for the Receiving Party to exercise its rights or perform its obligations under the Agreement or otherwise in connection with the Services. Notwithstanding the foregoing,each party may disclose Confidential Information to the limited extent required(1) in order to comply with the order of a court or other governmental body,or as otherwise necessary to comply with applicable law, provided that the party making the disclosure pursuant to the order must first give written notice to the other party;or(2)to establish a party's rights under the Agreement,including to make required court filings. (c) On the expiration or termination of the Agreement, the Receiving Party must promptly return to the Disclosing Party all copies of the Disclosing Party's Confidential Information,or destroy all such copies and,on the Disclosing Parts request,certify In writing to the Disclosing Party that such Confidential Information has been destroyed. (d) Each party's obligations under this Section are effective as of the Effective Date and will expire three years from the termination of the Agreement;provided,however,with respect to any Confidential information that constitutes a trade secret(as determined under applicable law),such obligations of non-disclosure will survive the termination or expiration of the Agreementforas long as such Confidential Information remains subjecttotrade secret protection underapplicable law. (e) Notwithstanding anything in this Section to the contrary,if Customer is a Government Entity,then DebtBook expressly agrees and understands that Customer's obligations under this Section are subject in all respects to, and only enforceable to the extent permitted by,the public records laws,policies,and regulations of the Governing State, 6. Intellectual Propert}t. (a) DebtBook IP.As between Customer and DebtBook,DebtBook owns all right,title,and interest,Including all Intellectual property rights,in and to the DebtBook IP. (b) Customer Data.As between Customer and DebtBook,Customer owns all right,title,and interest, Including all Intellectual property rights,in and to the Customer Data.Customer hereby grants to DebtBook a non-exclusive,royalty-free, worldwide license to reproduce,distribute,sublicense,modify,prepare derivative works based on,and otherwise use and display the Customer Data and perform all acts with respect to the Customer Data as may be necessary or appropriate for DebtBook to provide the Services to Customer. (c) Effect of Termination. Without limiting either party's obligations under Section 5 of the Agreement, DebtBook,at no further charge to Customer,will(1)provide Customer with temporary access to the Application Services for up to 60 days after the termination of the Agreement to permit Customer to retrieve its Customer Data in a commercially transferrable format and(2)use commercially reasonable efforts to assist Customer,at Customer's request,with such retrieval. After such period,DebtBook may destroy any Customer Data in accordance with DebtBook's data retention policies. Docusign Envelope ID;4FF851C3-ADE5-4C70-8186-6D7$111 T9215 7. Limited Warrants s. (a) Functionality&Service Levels.During the Term,the Application Services will operate In a manner consistent with general Industry standards reasonably applicable to the provision of the Application Services and will conform in all material respects to the Documentation and service levels set forth in the SLA when accessed and used in accordance with the Documentation. Except as expressly stated in the SLA, DebtBook does not make any representation, warranty, or guarantee regarding availability of the Application Services, and the remedies set forth In the SLA are Customers sole remedies and DebtBook's sole liability under the limited warranty set forth In this paragraph. (b) Security.DebtBook has Implemented Appropriate Security Measures and has made commercially reasonable efforts to ensure its licensors and hosting providers, as the case may be, have implemented Appropriate Security Measures Intended to protect Customer Data. (c) EXCEPT FOR THE WARRANTIES SET FORTH IN THIS SECTION, DEBTBOOK IP IS PROVIDED "AS IS," AND DEBTBOOK HEREBY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. DEBTBOOK SPECIFICALLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,TITLE,AND NON-INFRINGEMENT,AND ALL WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE. EXCEPT FOR THE LIMITED WARRANTY SET FORTH IN THIS SECTION,DEBTBOOK MAKES NO WARRANTY OF ANY KIND THAT THE DEBTBOOK IP, OR ANY PRODUCTS OR RESULTS OF THE USE THEREOF, WILL MEET CUSTOMER'S OR ANY OTHER PERSON'S REQUIREMENTS, OPERATE WITHOUT INTERRUPTION,ACHIEVE ANY INTENDED RESULT,BE COMPATIBLE OR WORK WITH ANY SOFTWARE,SYSTEM, OR OTHER SERVICES,OR BE SECURE,ACCURATE,COMPLETE,FREE OF HARMFUL CODE,OR ERROR FREE. (d) DebtBook exercises no control over the flow of information to or from the Application Service, DebtBook's network,or other portions of the Internet. Such flow depends in large part on the performance of Internet services provided or controlled by third parties. At times,actions or inactions of such third parties can impair or disrupt connections to the Internet. Although DebtBook will use commercially reasonable efforts to take all actions DebtBook deems appropriate to remedy and avoid such events,DebtBook cannot guarantee that such events will not occur. ACCORDINGLY,DEBTBOOK DISCLAIMS ANY AND ALL LIABILITY RESULTING FROM OR RELATING TO ALL SUCH EVENTS, AND EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THE AGREEMENT,ANY OTHER ACTIONS OR INACTIONS CAUSED BY OR UNDERTHE CONTROL OF ATHIRD PARTY. 8. Indemnification. (a) DebtBook Indemnification. (i) DebtBook will indemnify,defend,and hold harmless Customer from and against any and all losses, damages,liabilities,costs(including reasonable attorneys'fees)(collectively,"Losses")incurred by Customer resulting from any third-party claim,suit,action,or proceeding("Third-Party Claim")that the Application Services,or any use of the Application Services in accordance with the Agreement,infringes or misappropriates such third party's US patents, copyrights,or trade secrets, provided that Customer promptly notifies DebtBook In writing of the Third-Party Claim, reasonably cooperates with DebtBook in the defense of the Third-Party Claim,and allows DebtBook sole authority to control the defense and settlement of the Third-Party Claim. (n) If such a claim is made or appears possible,Customer agrees to permit DebtBook,at DebtBook's sole expense and discretion,to(A) modify or replace the DebtBook 1P,or component or part of the DebtBook IP,to make it non-infringing, or (B) obtain the right for Customer to continue use. If DebtBook determines that neither alternative Is reasonably available, DebtBook may terminate the Agreement in Its entirety or with respect to the affected component or part,effective immediately on written notice to Customer,so long as,in each case,DebtBook promptly refunds or credits to Customer all amounts Customer paid with respect to the DebtBook IP that Customer cannot reasonably use as intended underthe Agreement. (iii) DebtBook's indemnification obligation under this Section will not apply to the extent that the alleged infringement arises from Customer's use of the Application Services in combination with data, software, hardware, equipment, or technology not provided or authorized in writing by DebtBook or modifications to the Application Services not made by DebtBook. (b) Sole Remedy.SECTION 8(a)SETS FORTH CUSTOMER'SSOLE REMEDIES AND DEBTB00K'S SOLE LIABILITY FOR ANY ACTUAL,THREATENED,OR ALLEGED CLAIMSTHAT THE SERVICES INFRINGE,MISAPPROPRIATE,OR OTHERWISE VIOLATE ANY THIRD PARTY'S INTELLECTUAL PROPERTY RIGHTS. IN NO EVENT WILL DEBTBOOK'S LIABILITY UNDER SECTION 8(a) EXCEED $1,000,000. (c) Customer Indemnification. Customer will indemnify, hold harmless, and, at DebtRook's option, defend DebtBook from and against any Losses resulting from any Third-Party Claim that the Customer Data,orany use of the Customer Data In accordance with the Agreement,Infringes or misappropriates such third party's intellectual property rights and anyThird- Doauslgn Envelope ID:4FF851C3,ODES-4C70-8186-6D7B11119215 Party Claims based on Customer's or any Authorized User's negligence or willful misconduct or use of the Services in a manner not authorized by the Agreement. DEBTBOOK EXPRESSLY AGREES THAT THIS PROVISION WILL NOT APPLY TO ANY CUSTOMER THAT IS A GOVERNMENT ENTITY TO THE EXTENT SUCH INDEMNIFICATION OBLIGATIONS ARE PROHIBITED UNDER APPLICABLE LAW. 9. Limitations of Liabllity.EXCEPTAS EXPRESSLY OTHERWISE PROVIDED IN THISSECTION,IN NO EVENT WILL EITHER PARTY BE LIABLE UNDER OR IN CONNECTION WITH THE AGREEMENT UNDER ANY LEGAL OR EQUITABLE THEORY,INCLUDING BREACH OF CONTRACT,TORT(INCLUDING NEGLIGENCE),STRICT LIABILITY,AND OTHERWISE, FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT,EXEMPLARY,SPECIAL, ENHANCED,OR PUNITIVE DAMAGES,REGARDLESS OF WHETHER EITHER PARTY WAS ADVISED OF THE POSSIBILITY OF SUCH LOSSES OR DAMAGES OR SUCH LOSSES OR DAMAGES WERE OTHERWISE FORESEEABLE.EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS SECTION,IN NO EVENT WILL THE AGGREGATE LIABILITY OF DEBTBOOK ARISING OUT OF OR RELATED TO THE AGREEMENT UNDER ANY LEGAL OR EQUITABLE THEORY, INCLUDING BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE),STRICT LIABILITY,AND OTHERWISE EXCEED THE TOTAL AMOUNTS PAID TO DEBTBOOK UNDER THE AGREEMENT IN THE 12-MONTH PERIOD PRECEDING THE EVENT GIVING RISE TO THE CLAIM.THE EXCLUSIONS AND LIMITATIONS IN THIS SECTION DO NOT APPLY TO CLAIMS PURSUANT TO SECTION S. 10, Term and T rmination. (a) Term.The Initial Term of the Agreement is set forth in the Order Form. In the event Customer has multiple terms,this Agreement will remain In effect until the expiration or termination of all Order Forms. (b) [intentionally omitted] (c) Termination.In addition to any other express termination right set forth in the Customer Terms: (1) DebtBook may terminate the Agreement immediately if Customer breaches any of Its obligations under Section 2 or Section 5; (ii) Customer may terminate the Agreement in accordance with the SLA; (III) either party may terminate the Agreement,effective on written notice to the other party, If the other party materially breaches the Agreement,and such breach:(A)is incapable of cure;or(B)being capable of cure, remains uncured 30 days afterthe non-breaching party provides the breaching partywith written notice of such breach; (iv) if Customer Is a Government Entity and sufficient funds are not appropriated to pay for the Application Services,then Customer may terminate the Agreement at anytime without penalty following 30 days prior written notice to DebtBeok;or (v) either party may,to the extent permitted by law,terminate the Agreement,effective Immediately on written notice to the other party,if the other party becomes insolvent or is generally unable to pay,or fails to pay, its debts as they become due or otherwise becomes subject,voluntarily or involuntarily,to any proceeding under any domestic or foreign bankruptcy or insolvency law. (d) Survival.Only this Section and Section 1(Definitions),Sections 4 through 6(Fees;Confidential Information; Intellectual Property),Section 7(c)(Disclaimer of Warranties),and Sections 8,9 and 12(Indemnification;Limitations of Liability; Miscellaneous)will survive anytermination or expiration of the Agreement. 11. Independent Contractor.The parties to the Agreement are Independent contractors.The Agreement does not create a joint venture or partnership between the parties, and neither party is, by virtue of the Agreement, authorized as an agent, employee,or representative of the other party. 12. Miscellaneous. (a) Governing Law:Submission to Jurisdiction.The Agreement will be governed by and construed in accordance with the laws of the Governing State,without regard to any choice or conflict of law provisions,and any claim arising out of the Docusign Envelope ID:4FF851C3,ADE5-4C70-8186-6D7B1 i 119215 Agreement maybe brought In the state or federal courts located in the Governing State.Each party irrevocably submits to the jurisdiction of such courts in any such suit,action,or proceeding. (b) Entire A reement„Order of,Precedence. The Order Form, the Customer Terms, this Master Services Agreement,and the Incorporated Documents Constitute the complete Agreement between the parties and supersede any prior discussion or representations regarding Customer's purchase and use of the Services. To the extent any conflict exists between the terms of the Agreement, the documents will govern in the following order or precedence:(1)the Customer Terms,(2)Order Form, (3)the Master Services, and(4)the Incorporated Documents. No other purchasing order or similar instrument issued by either party in connection with the Services will have any effect on the Agreement or bind the other party in any way. (c) Amendment;Waiv r.No amendment to the Order Form,the Master Services Agreement,or the Customer Terms will be effective unless it Is in writing and signed by an a uthorized representative of each party.Debtaook may update the Incorporated Documents from time-to-time following notice to Customer so long as such updates are generally applicable to all users of the Services.No waiver by any party of any of the provisions of the Agreement will be effective unless explicitly set forth In writing and signed by the party so waiving. Except as otherwise set forth in the Agreement, no failure to exercise, delay In exercising,or any partial exercise of any rights,remedy,power,or privilege arising from the Agreement will in any way waive or otherwise limit the future exercise of any right,remedy,power,or privilege available under the Agreement. (d) Notices. All notices, requests, consents, claims, demands, and waivers under the Agreement (each, a "Notice")must be in writing and addressed to the recipients and addresses set forth for each party on the Order Form(or to such other address as DebtBook or Customer may designate from time to time in accordance with this Section).All Notices must be delivered by personal delivery, nationally recognized overnight courier(with all fees pre-paid),or email (with confirmation of transmission), or certified or registered mall (in each case, return receipt requested, postage pre-paid).Any Notice delivered underthe Agreement will be delivered,if to the Customer,to the address Indicated in the Order Form and,if to DebtBook,atthe following address:PO Box 667990,Charlotte,NC 28266. (e) Force Ma eure.In no event will either party be liable to the other party,or be deemed to have breached the Agreement,for any failure or delay In performing its obligations under the Agreement (except for any obligations to make payments),if and to the extent such failure or delay is caused by any circumstances beyond such party's reasonable control, including acts of God,flood,fire,earthquake,pandemic,epidemic,problems with the Internet,shortages in materials,explosion, war, terrorism, invasion, riot or other civil unrest,strikes, labor stoppages or slowdowns or other Industrial disturbances,or passage of law or anyaction taken by a governmental or public authority,including imposingan embargo. (f) Severabili . if any provision of the Agreement is Invalid, illegal, or unenforceable in any jurisdiction,such invalidity, illegality, or unenforceability will not affect any other term or provision of the Agreement or invalidate or render unenforceable such term or provision in any other j urisdiction. (g) Assignment.Either party may assign its rights or delegate Its obligations,in whole or in part,on 30 days prior written notice to the other party,to an affiliate or an entity that acquires all or substantially all of the business or assets of such party,whether by merger,reorganization,acquisition,sale,or otherwise, Except as stated in this paragraph,neither party may assign any of its rights or delegate any of its obligations under the Agreement without the prior written consent of the other party,which consent may not be unreasonably withheld,conditioned,or delayed.The Agreement is binding on and inures to the benefit of the parties and their permitted successors and assigns. (h) Marketing.Neither party may issue press releases related to the Agreement without the other partyv's prior written consent. Unless otherwise provided in the Customer Terms, either party may include the name and logo of the other party in lists of customers or vendors. (1) State-Specific Certifications,&Agreements. If Customer is a Government Entity and to the extent required under the laws of the Governing State,DebtBook hereby certifies and agrees as follows: (i) DebtBook has not been designated by any applicable government authority or body as a company engaged in the boycott of Israel under the laws of the Governing State; (ii) DebtBook Is not presently debarred,suspended,proposed for debarment, declared ineligible,or voluntarily excluded from participation in the Agreement by any governmental department or agency of the Governing State; (ill) Debtaookwlli not discriminate against any employee or applicant for employment because of race, ethnicity, gender, gender Identity, sexual orientation, age, religion, national origin, disability, color, ancestry, Docusign Envelope ID:4FF851C3-ADE5-4C70-8186-6D7B11119215 citizenship,genetic information,political affiliation or military/veteran status,or any other status protected by federal, state,or local law; (iv) DebtBook will verify the work authorization of its employees using the federal E-Verify program and standards as promulgated and operated by the United States Department of Homeland Security and,if applicable,will require its subcontractors to do the same;and (v) Nothing in the Agreement is intended to actas a waiverof immunities that Customer hasas a matter of law as a Government Entity under the laws of the Governing State, including but not limited to sovereign or governmental immunity, public officers or official immunity or qualified immunity,to the extent Customer is entitled to such immunities. 0) Execution. Any document executed and delivered in connection with the Agreement may be executed in counterparts,each of which is deemed an original,but all of which together are deemed to be one and the same agreement.To the extent permitted by applicable law,electronic signatures may be used for the purpose of executing the Order Form or this Agreement,if applicable,by email or other electronic means.Any document delivered electronically and accepted is deemed to be"in writing"to the same extent and with the same effect as if the document had been signed manually. Fifth Asset,inc.d/b/a DebtBook City of Santa Ana,CA By: By: ?, mi chael Juby Name: Name: .Alvaro Nunez vice president & COO Title: Title: Ci Manager 5/30/2025 Date: Date: Q 5 Tn J Y ATTEST, - APPROVED AS TO FORM SOMA R. CARVALHO City Attorney -nnifer L II l Cis C An re a arch- l er Assistant City Attorney Dowsign Envelope ID:4FF859C3-ADE5-4C70-8186-6D7B1111g216 Exhibit A—Insurance Requirements Fifth Asset, Inc,dba DebtBook("DebtBook")shall procure and maintain for the duration of the contract insurance against claims for security breaches, system failures, injuries to persons, damages to software, and damages to property(including computer equipment),theft,or other misuse of Customer's data, infringement of intellectual property, invasion of privacy and breach of data,which may arise from or in connection with the performance of the work hereunder by DebtBook, its agents, representatives,or employees. MINIMUM SCOPE AND LIMIT OF INSURANCE Coverage shall be at least as broad as: 1. Commercial General Liability(CGL): Insurance Services Office 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 of$1,000,000 per occurrence and$2,000,000 general aggregate. 2.Technology Professional Liability Errors and Omissions Insurance (E&O): appropriate to the DebtBook's profession and work hereunder,with limits of$1,000,000 per occurrence and$2,000,000 aggregate. Coverage shall be sufficiently broad to respond to the duties and obligations as is undertaken by the DebtBook in this agreement and shall include, but not be limited to,claims involving business interruption, damage to or destruction of electronic information, and alteration of electronic information.The policy shall provide coverage for DebtBook's failure to provide professional services and/or products underthis Agreement. The Policy shall include, or be endorsed to include, damage to, alteration of, loss of,or destruction of electronic data and/or information "property" of Customer in the care, custody, or control of DebtBook. 3.Automobile Liability(AL): Insurance Services Office Form CA 00 01 covering code 1 (any auto, with limits of$1,000,000 combined single limits. 4.Workers'Compensation (W/C): as required by the State of California,with statutory limits, and . Employer's Liability insurance with limits of$1,000,000 peraccident,policy,employee,for bodily injury or disease. Other Insurance Provisions The above required insurance policies are to contain or be endorsed to contain the following provisions: 1. City of Santa Ana, its City Council, its officers, officials, employees, agents, and volunteers are to be covered as additional insureds, under DebtBook's CGL, and E&O policies,with respect to any liability arising out of work or operations performed by or on behalf of the DebtBook including materials, parts, equipment, and personnel furnished in connection with such work or operations. 2. DebtBook's Insurance companies agree to waive all rights of subrogation against City of Santa Ana, its City Council, its officers, officials, employees, agents, and volunteers for losses paid under the terms of any policy which arise from work performed by DebtBook under this Agreement. Docusign Envelope ID:4FF851 M-AMAC70-8186-BWB11119215 3. For any claims related to this contract, DebtBook's insurance coverage shall be primary and any insurance maintained by City of Santa Ana, its City Council, its officers, officials,employees, agents, or volunteers shall not contribute with it. 4. A severability of interest provision must apply for all the additional insureds, ensuring that DebtBook's insurance shall apply separately to each insured against whom a claim is made or suit is brought,except with respect to the insurer's limits of liability. 5. Insurance policies required herein shall provide that coverage shall not be canceled,suspended, voided, reduced in coverage or in limits, non-renewed by the carrier,or materially changed except after thirty(30) days prior written notice has been given to City.Ten (10) days prior written notice shall be provided to City for policy cancellation or non-renewal due to non-payment of premium. 6. Certificate Holder on each Evidence of Insurance certificate shall be: City of Santa Ana, Attention: Executive Director, Finance and Management Services Agency, 20 Civic Center Plaza, M-17, Santa Ana, CA 92701.The name and location of project must be included in the Description of Operations section of each certificate. Self-Insured Retentions Self-insured retentions must be declared to and approved by Customer. Customer may require DebtBook to provide proof of ability to pay losses and related investigations, claim administration, and defense expenses within the retention. Acceptability of Insurers Insurance is to be placed with insurers authorized to conduct business in the state of California with a current A.M. Best rating of no less than A-:Vll, unless otherwise acceptable to Customer. Claims Made Policies If any of the required policies provide coverage on a claims-made basis: 1. The retroactive date must be shown and must be before the date of the contract. 2. Insurance must be maintained and evidence of insurance must be provided for at least three (3)years after completion of work. 3. 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, DebtBook must purchase "extended reporting" coverage for a minimum of three (3) years after completion of work. Verification of Coverage DebtBook shall furnish Customer with original Certificates of Insurance including all required amendatory endorsements(or copies of the applicable policy language effecting coverage required by this clause). Failure to obtain the required documents prior to the work beginning shall not waive DebtBook's obligation to provide them. Docusfgn Envelope ID:4FF851W-ADE54C70-8186-6WB11119215 Subcontractors DebtBook shall require and verify that all subcontractors maintain insurance meeting all the requirements stated herein. Failure to Maintain Insurance Coverage If DebtBook,for any reason,fails to maintain insurance coverage,which is required pursuant to this Agreement,for the entire term of this contract,the same shall be deemed a material breach of Agreement. Customer,at its sole option, may terminate this Agreement at anytime and obtain damages from DebtBook resulting from said breach. Doeusign Envelope ID:4FF851C3-ADE5-4C70-8186-6D7B11119215 DebtBook ORDER FORM I. General Information Customer Information Customer Billing Information City of Customer Name: Santa Ana,CA Address: 20 Civic Center Plaza ("Customer") Santa Ana,CA 92701 Address: 20 Civic Center Plaza Billing Email: Santa Ana,CA 92701 Contact Name: Email: Order Form Information Order Form Effective Date: May 15,2025 Agreement Effective Date: May 15,2025 II. Products&Services Compliance Item&Description Year 1 Year 2 Lease&SBITA Management Complete List Price $20,000.00 $20,000.00 Annual recurring fee for DebtBook's Lease and SBITA management software-as-a- Discount ($3,000.00) ($2,750.00) service application provided to Customer through access to the Application Services Subtotal $17,000.00 $17,250.00 Annual Summary Year 1 Year 2 Recurring Subscription Fees $17,000.00 $17,250,00 One-Time Implementation Fees Annual Total $17,000.00 $17,250.00 TOTAL CONTRACT VALUE $34,25O.QO W. Order Form Terms 1. Services, This Order Form sets forth the Services to be provided to Customer, including the specific Products to be provided to Customer through its access to the Applications Services. 2, Term.The Initial Term of this Order Form begins on the Order Form Effective Date as indicated above and will continue for two years. 3. Fees. DebtBook will invoice Customer upon the Order Form Effective Date and Customer will pay Fees herein for the first year of the Initial Term in accordance with the payment terms of the Agreement.All Fees thereafterwill be due and payable annually and subject to the paymentterms of the Agreement.Each invoice wilt be emailed to Customer's billing contact indicated herein. 4. The attached Exhibit A—Insurance Requirements is hereby incorporated into the Agreement. Docusign Envelope ID:4FF851C3-ADE5-4C7t)-8186-6D7B11119215 IV. General Terms This Renewal Order Form("Order Form")and the Services are governed by the written Master Services Agreement(the "Agreement")executed between the Parties.By executing this Order Form and the Master Services Agreement,the Parties agree that the Agreement replaces and terminates any existing agreement or terms and conditions governing the Services described herein.The Agreement supersedes any prior discussion or representations regarding Customer's purchase and use of the Products and Services described in this Order Farm and replaces any existing agreement or terms and conditions governing the Services herein.Each of the undersigned represents that(1)they are authorized to execute and deliver this Order Form on behalf of their respective parry,(2)they are authorized to bind their respective party to the terms of the Agreement,and(3)if Customer is a Government Entity,sufficient funds have been appropriated and are available to pay any Fees due under the Agreement in Customer's current fiscal year.Capitalized terms not defined in this Order Form will have the same meaning ascribed to them as set forth in the Agreement.This Order Form and any other documents executed and delivered in connection with the Agreement may be executed in counterparts,each of which is deemed an original,but all of which together are deemed to be one and the same agreement.If permitted by applicable law,electronic signatures may be used for the purpose of executing this Order Form by email or other electronic means.Any document delivered electronically and accepted is deemed to be"in writing"to the same extent and with the same effect as if the document had been signed manually. Fifth Asset,Inc.d/b/a DebtBook City of Santa Ana,CA /�;._ dir By: By: ar.,d<,m;nadU..7-5s3 F—ir Michael 7uby Name: Name: Alexander Trinidad Title: vice President & Coo Title: Acting Executive Director FMSA 5/30/2025 Date: Date: Page 1 of 2 '`��RDA CERTIFICATE OF LIABILITY INSURANCE F_�ATE(MMID2025 ) 05/20/2025 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 WTW Certificate Center Willis Towers Watson Northeast, Inc. NAME: c/o 26 Century Blvd PHONE 1-877-945-7378 FAX A/C No: 1-888-467-2378 P.O. Box305191 E-MAIL RESS, certificates@wtwco.com Nashville, e, TN 372305191 USA 1.S'I-- AFFORDING COVERAGE NAIC# INSURED INSURER A: Chubb National Insurance Company 10052 Federal insurance Company 20281 Fifth Asset, Inc., d/b/a DebtBoolc INSURER B: p 1431 W Morehead St. suite 200 INSURER : Arch Specialty Insurance Company 21199 Charlotte, NC 28208 INSURER D: Evanston Insurance Company 35378 INSURER E� Beazley Insurance Company Inc 37540 INSURER F: COVERAGES CERTIFICATE NUMBER:W39055545 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUEp TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD CERTIINDICFICATE NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIF1CATl 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 ADDL SUBR POLICY EFF POLICY EXP LTR TYPE OF INSURANCE POLICY NUMBER MMIDDfYYYY) (MMIDDfYYYYJ LIMITS �( COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 CLAIMS-MADE X OCCUR OAMAGETORENTED A PREMISES Ea occurrence S 1,000,000 y Y D02044584 11/01/2024 11/01/2025 MED EXP(Any one person) S 15,000 PERSONAL&ADV INJURY S 1,000,000 GENT AGGREGATE LIMIT APPLIES PER: X POLICY PJECT LOC RO GENERAL AGGREGATE S 2,000,000 PRODUCTS-COM POP AGG 5 2,000,000 OTHER.AUTOMOBILE LIABILITY S COMBINED SINGLE LIMIT ANY AUTO Ea accident S 1,000,000 BODILY INJURY(Per person) S B AUTOS SCHEDULED (24)7363-73-01 11/01/2024 11/01/2025 AUTOS ONLY AUTOS BODILY INJURY(Per accident) $ E. X HIRED X AUN.TOS NLY PROPERTY DAMAGE AUTOS ONLY AUTOS ONLY Per accident S B X UMBRELLA LIAB X OCCUR S EACH OCCURRENCE S 5,000,000 EXCESS LIAB CLAIMS-MADE 5671-92-36 11/01/2024 11/01/2025 AGGREGATE y 5,000,000 DED X RETENTION 5 10,000 WORKERS COMPENSATION 5 AND EMPLOYERS'LIABILITY PER OTH- YIN STATUTE ER ANYPROPRIETORlPARTNER/EXECUTIVE OFFICEMMEMBER EXCLUDED? El NIA EACH ACCIDENT NIA 5 (Mandatory in NH) If yes,describe under E.L.DISEASE-EA EMPLOYEE S DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT 5 e C Cybr Tech E&O Y Y C-4MX3-026167--CYBER-2025 02/01/2025 11/01/2025 $5,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS/VEHICLES (ACORD 101.Additional Remarks Schedule,may be attached if more space is required) This Voids and Replaces Previously Issued Certificate Dated 04/09/2025 WITH ID: W38628614. SEE ATTACHED Tu I T ran Dgit'TT�Tysig"'dran h Nguyen o«zoz§.ab.a5 APPROVED I Y g Llye n 150342 LOTeD' By Tu Tran Nguyen at 4:02 pm,Jun 05,2025 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. Finance & Management Services Agency Accounting Division AUTHORIZED REPRESENTATIVE 20 Civic Center Plaza M-17 Santa Ana, CA 92701 � p 0' lu4� O 1988-2016 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD SR Io 27781091 a�-Tcn: 3969855 AGENCY CUSTOMER ID: LOC#: A ADDITIONAL REMARKS SCHEDULE Page 2 of 2 AGENCY NAMEDINSURED Willis TOWerS Watson Northeast, Inc. Fifth Asset, Inc., d/b/a DebtBook POLICY NUMBER 1431 W Morehead at. Suite 200 - See Page I Charlotte, NC 26208 CARRIER NAIC CODE See Page 1 See Page 1 EFFECTIVE DATE: See Page 1 ADDITIONAL REMARKS THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM, FORM NUMBER: 25 FORM TITLE. Certificate of Liability Insurance City of Santa Ana, its City Council, its officers, officials, employees, agents, and volunteers are included as Additional Insureds as respects to General Liability and Cyber Tech E&O policy. General Liability policy shall be Primary and Non-contributory with any other insurance in force for or which may be purchased by City of Santa Ana, its City Council, its officers, officials, employees, agents, or volunteers. Waiver of Subzogation applies in favor of City of Santa Ana, its City Council, its officers, Officials, employees, agents, and volunteers with respects to General Liability and Cyber Tech E&O policy. INSURER AFFORDING COVERAGE: Evanston Insurance Company NAIC#: 35375 POLICY NUMBER: MKLVIWMA001255 EFF DATE: 02/01/2025 EXP DATE: 11/01/2025 TYPE OF INSURANCE: LIMIT DESCRIPTION: LIMIT AMOUNT: Indemnifiable D&O Liability Each Claim/Aggregate $3,000,000 INSURER AFFORDING COVERAGE: Beazley Insurance Company Inc NAIC#: 37540 POLICY NUMBER: V369A3250201 EFF DATE: 02/01/2025 EXP DATE: 11/01/2025 TYPE OF INSURANCE: LIMIT DESCRIPTION: LIMIT AMOUNT: CRIME Limit Each Loss $1,000,000 Employee Theft Insured Property Deductible each loss $25,000 ACORD 101 (200$l01) ©2008 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD SR ID: 27761091 BATCH: 3969855 CERT: W390555d5 C H U 0 IET' COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT Named Insured FIFTH ASSET,INC.DBA DEBTBOOK _ Policy Number Policy Period Effective Date of Endorsement D02044584 11-01-2024 to 11-01-2025 11-01-2024 Name or Company CHUBB NATIONAL INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM If any other endorsement attached to this policy amends any provision also amended by this enhancement endorsement, then that other endorsement controls with respect to such provision,and the changes made by this enhancement endorsement with respect to such provision do not apply. TABLE OF CONTENTS A. Expected Or Intended Injury—Exception For Property Damage Caused By Reasonable Use Of Force B. Non-Owned Watercraft Under 55 Feet C. Non-Owned Aircraft Exception D. Damage To Property—Exception For Equipment Loaned Or Rented To The Insured E. Electronic Data—Exception For Physical Injury To Tangible Property F. Pollution—Exception For Damage To Rented Premises Caused By Hostile Fire G. Personal And Advertising Injury Coverage—Contractual Liability Exception For Insured Contracts H. Medical Expenses Coverage--Three Years To Report Expenses I. Supplementary Payments—Increased Limits J. Who Is An Insured—Subsidiaries Or Newly Acquired Or formed Organizations—Including New And Existing Subsidiaries,Partnerships,Joint Ventures,Limited Liability Companies K. Who Is An Insured—Employees Including Incidental Healthcare Professional Services L. Additional Insureds Controlling Interest Lessors Of Leased Equipment Managers Or Lessors Of Premises Mortgagee,Assignee Or Receiver Other Persons Or Organizations Pursuant To A Contract Or Agreement Trade Show Event Lessor Vendors M. Medical Expense Limit—$15,000 N. Knowledge/Notice Of Occurrence O. Primary And Non-Contributory P. Unintentional Failure To Disclose Hazards Q. Waiver Of Subrogation Required By Contract R. In Rem S. Coverage Territory—Limited Worldwide T. Insured Contract Ainended—Railroad Limitations Removed A. Expected Or Intended Injury--Exception For Property Damage Caused By Reasonable Use Of Force Exclusion a.under Paragraph 2.Exclusions of Section I—Coverage A—Bodily Injury And Property Damage Liability is deleted and replaced by the following; CB CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its pennission. Page I of 9 a. Expected Or Intended Injury "Bodily injury" or"property damage" expected or intended from the standpoint of the insured, even if the actual "bodily injury"or"property damage" is of a different degree or type than intended or expected. This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property. B. Non-Owned Watercraft Under 55 Feet Paragraph (2) of Exclusion g. under Paragraph 2. Exclusions of Section I— Coverage A— Bodily Injury And Property Damage Liability is deleted and replaced by the following: This exclusion does not apply to: (2) A watercraft you do not own that is: (a) Less than 55 feet long;and (b) Not being used to carry persons or property for a charge; C. Non-Owned Aircraft Exception Exclusion g.under Paragraph 2.Exclusions of Section I—Coverage A—Bodily Injury And Property Damage Liability is amended to include the following exception: This exclusion does not apply to: (6) An aircraft you do not own provided: (a) The pilot in command holds a currently effective certificate,issued by the duly constituted authority of the United States of America or Canada,designating that person as a commercial or airline transport pilot; (b) It is rented with a trained,paid crew,and (c) It does not transport persons or cargo for a charge. D. Damage To Property—Exception For Equipment Loaned Or Rented To The Insured Exclusion j,under Paragraph 2.Exclusions of Section I—Coverage A—Bodily Injury And Property Damage Liability is amended to include the following exception: Paragraphs (3) and (4) of this exclusion do not apply to "property damage" to equipment rented or loaned to the insured,provided such equipment is not being used to perform any operations at a construction job site. E. Electronic Data—Exception For Physical Injury To Tangible Property Exclusion p. under Paragraph 2.Exclusions of Section I—Coverage A—Bodily Injury And Property Damage Liability is deleted and replaced by the following: P. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. However,this exclusion does not apply to: (1) "Bodily injury';or (2) Physical injury to tangible property. As used in this exclusion,electronic data means information, facts or.programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. F. Pollution—Exception For Damage To Rented Premises Caused By Hostile Fire Exclusion f.under Paragraph 2.Exclusions of Section I—Coverage A—Bodily Injury And Property Damage Liability is amended to include the following exception: CB CO 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its permission. Page 2 of 9 This exclusion does not apply to"property damage"to premises while rented to you or temporarily occupied by you with the permission of the owner and caused by a"hostile fire", explosion, smoke or leakage from fire protection equipment. G. Personal And Advertising Injury Coverage—Contractual Liability Exception For Insured Contracts Exclusion e. under Paragraph 2. Exclusions of Section I — Coverage B — Personal And Advertising Injury Liability is deleted and replaced by the following: e. Contractual Liability "Personal and advertising injury"for which the insured has assumed liability in a contract or agreement.This exclusion does not apply to liability for damages: (1) That the insured would have in the absence of the contract or agreement;or (2) Assumed in a written contract or agreement that is an "insured contract" provided the "personal and advertising injury"is caused by an offense first committed after the execution of the contract or agreement. H. Medical Expenses Coverage—Three Years To Report Expenses Subparagraph I.a.(b)under Section I—Coverage C—Medical Payments is deleted and replaced by the following: (b) The expenses are incurred and reported to us within three years of the date of the accident;and I. Supplementary Payments—Increased Limits Paragraph 1. under Section I— Supplementary Payments --Coverages A And B is deleted and replaced by the following: 1. We will pay,with respect to any claim we investigate or settle,or any"suit"against an insured we defend: a. All expenses we incur. b. The cost of: (0 BaiI bonds;or (2) Bonds required to: (a) Appeal judgments;or (b) Release attachments; but only for bond amounts within the available limit of insurance,We do not have to furnish these bonds. c. All reasonable expenses incurred by the insured at ou.r request to assist us in the investigation or defense of the claim or"suit", including actual loss of earnings up to$1,000 a day because of time off from work. d. All court costs taxed against the insured in the"suit". e. Prejudgment interest awarded against the insured on that pail of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. f. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. J. Who Is An Insured — Subsidiaries Or Newly Acquired Or Formed Organizations — Including New And Existing Subsidiaries,Partnerships,Joint Ventures,Limited Liability Companies Paragraph 2.under Section II—Who Is An Insured is deleted and replaced by the following: 2. If there is no other insurance available,each of the following is also a Named Insured: a. A subsidiary organization of the first Named Insured shown in the Declarations of which, at the beginning of the policy period and at the time of loss, the first Named Insured controls, either directly or indirectly, more than 50 percent of the interests entitled to vote generally in the election of the governing body of such CB CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its pennission. Page 3 of 9 organization;or b. A subsidiary organization of the first Named Insured shown in the Declarations that the first Named Insured acquires or forms during the policy period, if at the time of loss the first Named Insured controls, either directly or indirectly,more than 50 percent of the interests entitled to vote generally in the election of the governing body of such organization. K. Who Is An Insured—Employees Including Incidental Healthcare Professional Services Paragraph 3.a.under Section II—Who Is An Insured is deleted and replaced by the following: 3. Each of the following is also an insured: a. Your "employees" but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business.However,no"employee"is an insured for: (1) "Bodily injury"or"personal and advertising injury": (a) To you, to any of your directors,managers,members,"executive officers"or partners(whether or not an "employee") or to any co-"employee" while such injured person is either in the course of his or her employment or while performing duties related to the conduct of your business; (b) To the brother,child, parent,sister or spouse of such injured person as a consequence of any injury described in Paragraph(1)(a)above;or (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of any injury described in Paragraph(1)(a)or(b)above. CB CO 04 0001 0320 Includes copyrighted material of Insurance Services office,with its permission. Page 4 of 9 With respect to"bodily injury"only,the limitations described in Paragraph 3.a.(1)above do not apply to: (i) You or to your directors, managers, members, "executive officers", partners or supervisors as insureds; (li) Your "employees" as insureds, with respect to such damages caused by cardiopulmonary resuscitation or first aid services administered by such an"employee';or (fli) Your "employees" who are nurses, emergency medical technicians, or paramedics as insureds, with respect to such damages that are caused by providing or failing to provide professional healthcare services, but only if you are not engaged in the business or occupation of providing medical,paramedical,surgical,dental,x-ray or nursing services. (2) "Property damage" to any property owned, occupied or used by you or by any of your directors, managers, members,"executive officers"or partners(whether or not an"employee")or by any of your "employees". This limitation does not apply to "property damage" to premises while rented to you or temporarily occupied by you with the permission of the owner. L. Additional Insureds Paragraph 3.under Section II—Who Is An Insured is amended by including the following: Controlling Interest Any person or organization that has financial control of you or owns,maintains or controls premises while you lease or occupy such premises, but only with respect to their liability arising out of: (1) Their financial control of you;or (2) Premises they own,maintain or control while you lease or occupy these premises. However, no such person or organization is an insured with respect to structural alterations, new construction or demolition operations performed by or for that person or organization. Lessors Of Leased Equipment Any person or organization from whom you lease equipment, but only with respect to the maintenance or use by you of such equipment, and only if you are obligated pursuant to a contract or agreement to provide them with such insurance as is afforded by this Coverage Part.However,no such person or organization is an insured with respect to an"Occurrence"that takes place,or an offense that is committed,after the equipment lease ends. Managers Or Lessors Of Premises Any person or organization from whom you lease premises, but only with respect to the ownership,maintenance or use of that particular part of such premises leased to you and only if you are obligated pursuant to a contract or agreement to provide them with such insurance as is afforded by this Coverage Part. However, no such person or organization is an insured with respect to: (1) An "occurrence" that takes place, or an offense that is committed, after you cease to be a tenant in such premises; or (2) Any structural alteration,new construction or demolition operations performed by or on behalf of them. Mortgagee,Assignee Or Receiver A mortgagee, assignee or receiver of premises, but only with respect to such mortgagee, assignee or receiver's liability for"bodily injury","property damage"or"personal and advertising injury" arising out of your ownership, maintenance or use of a premises by you. However, no such person or organization is an insured with respect to structural alterations, new construction or demolition operations performed by, on behalf of, or for such additional insured. Other Persons Or Organizations Pursuant To A Contract Or Agreement Any person or organization that you are obligated pursuant to a contract or agreement to provide with such insurance as is afforded by this policy are insureds. CB CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its permission. Page 5 of 9 However,the person or organization is an insured only: (1) To the extent such contractor agreement requires the person or organization to be afforded status as an insured; (2) For activities that did not occur,in whole or in part,before the execution of the contract or agreement;and (3) With respect to damages,loss,cost or expense for injury or damage to which this insurance applies. No person or organization is an insured: (1) That is more specifically identified under any other provision of Section II—Who Is an Insured(regardless of any limitation applicable thereto). (2) With respect to any assumption of liability (of another person or organization) by them in a contract or agreement. This limitation does not apply to the liability for damages, loss, cost or expense for injury or damage, to which this insurance applies, that the person or organization would have in the absence of such contract or agreement. Trade Show Event Lessor With respect to your participation in a trade show event as an exhibitor, presenter or displayer, any person or organization whom you are required to include as an additional insured, but only with respect to such person or organization's liability for"bodily injury","property damage"or"personal and advertising injury"caused by: (1) Your acts or omissions;or (2) The acts or omissions of those acting on your behalf, in the performance of your ongoing operations at the trade show event premises during the trade show event. However, no such person or organization is an insured with respect to "bodily injury" or "property damage" included within the"products-completed operations hazard". Vendors Any person or organization who is a vendor of"your products", but only with respect to liability for"bodily injury" or"property damage" resulting from the distribution or sale of"your product"in the regular course of their business. However,no such person or organization is an insured with respect to any: (1) Assumption of liability (of another person or organization) by them in a contract or agreement. This limitation does not apply to the liability for damages for "bodily injury" or "property damage" that such person or organization would have in the absence of such contract or agreement; (2) .Representation or warranty unauthorized by you; (3) Physical or chemical change in"your product"made intentionally by the vendor; (4) 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; (5) 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 "your product"; (6) Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's Premises in connection with the sale of"your product";or (7) Of "your products" which, after distribution or sale by you, have been labeled or relabeled or used as a container, ingredient or part of any other thing or substance by or for the vendor. Further, no person or organization is an insured from whom you have acquired "your product", or any ingredient, part or container entering into,accompanying or containing"your product" Limitations Applicable To Additional Insureds With respect any person or organization that qualifies as an additional insured under paragraph L. above, the following limitations apply to such insured: CB CG 04 0001 0320 includes copyrighted material of Insurance Services Office,with its permission. Page 6 of 9 (1) The insurance afforded to such additional insured only applies to the extent permitted by law;and (2) If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. Limits Of Insurance Applicable to Additional Insureds With respect any person or organization that qualifies as an additional insured under paragraph L. above, the following is added to Section III—Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement,the most we will pay on behalf of the additional insured is the amount of insurance: (1) Required by the contract or agreement;or (2) Available under the applicable limits of insurance; whichever is less. However,the above paragraph shall not increase the applicable limits of insurance. M. Medical Expense Limit—$15,000 Paragraph 7.under Section III—Limits Of Insurance is amended by including the following: The Medical Expense Limit is the greater of: a. $15,000;or b. The amount shown in the Declarations for the Medical Expense Limit. N. Knowledge/Notice Of Occurrence Paragraph 2.under Section IV—Commercial General Liability Conditions is amended to include the following: f. Knowledge of an "occurrence" or offense by an agent or "employee" of the insured will not constitute knowledge by the insured, unless an "executive officer" (whether or not an "employee") of any insured or an "executive officer's"designee knows about such"occurrence"or offense. g. Failure of an agent or "employee" of the insured, other than an "executive officer" (whether or not an "employee")of any insured or an"executive officer's" designee, to notify its of an"occurrence"or offense that such person knows about will not affect the insurance afforded to you. h. If a claim or Ioss does not reasonably appear to involve this insurance, but it later develops into a claim or loss to which this insurance applies, the failure to report it to us will not violate this condition,provided the insured gives us immediate notice as soon as the insured is aware that this insurance may apply to such loss or claim. O. Primary And Non-Contributory Subparagraph 4.a. under Section IV — Commercial General Liability Conditions is amended to include the following: However, if you are obligated to a written contract or agreement to provide a person or organization that is included in Section II—Who Is an Insured with primary insurance such as is afforded by this policy,then this insurance is primary and we will not seek contribution from insurance available to such person or organization. P. Unintentional Failure To Disclose Hazards Paragraph 6.under Section IV—Commercial General Liability Conditions is amended to include the following: Unintentional failure of an "employee" of the insured to disclose a hazard or other material information will not violate this condition, unless an "executive officer" (whether or not an "employee") of any insured knows about such hazard or other material information. Q. Waiver Of Subrogation Required By Contract Paragraph 8,under Section IV—Commercial General Liability Conditions is deleted and replaced by the C13 CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its permission. Page 7 of 9 following: 8. Waiver Of Subrogation Required By Contract We will waive the rights of recovery we would otherwise have had against another person or organization, for loss to which this insurance applies, provided the insured has waived their rights of recovery against such person or organization in a contract or agreement that is executed before such loss. To the extent that the insured's rights to recover all or part of any payment made under this Coverage Part have not been waived, 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 paragraph does not apply to Coverage C. R. In Rena The following is added to Section IV—Commercial General Liability Conditions: Any"suit"brought as an action In Rem against any watercraft owned or operated by or for the insured shall in all respects be treated in the same manner as though such"suit"were brought against the insured. CB CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its permission. Page 8 of 9 S. Coverage Territory—Limited Worldwide Paragraph 4.under Section V—Definitions is deleted and replaced by the following: 4. "Coverage territory" means all parts of the world. However,"coverage territory"does not include any: a. `Bodily Injury"or"property damage"that takes place or any offense committed outside of the United States of America(including its possessions and territories), Canada and Puerto Rico, unless the insured's responsibility to pay damages is determined by a "suit" on the merits that is brought in the United States of America (including its possessions and territories),Canada or Puerto Rico;or b. Injury or damage in connection with any "suit" brought outside the United States of America (including its possessions and territories),Canada and Puerto Rico, T. Insured Contract Amended—Railroad Limitations Removed Paragraph 9.under Section V—Definitions is deleted and replaced by the following: 9. "Insured contract"means: a. A lease of premises; b. A sidetrack agreement; c. An easement or license agreement; d. An obligation,as required by ordinance,to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement;or f. Any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for such municipality) in which you assume the tort liability of another person or organization to pay damages, to which this insurance applies, sustained by a third person or organization. "Insured contract" does not include that part of any contract or agreement that indemnifies an architect, engineer or surveyor for damages arising out of: (1) Preparing, approving, or failing to prepare or approve, maps, drawings, opinions, reports, surveys, field orders,change orders,designs or specifications;or (2) Giving directions or instructions,or failing to give them. All Other Terms And Conditions Remain Unchanged. Q-A", Authorized Representative CB CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its permission. Page 9 of 9 F—ZHLJBBm Common Policy Conditions {$ Oi Table Of Contents W q Section I Conditions Applicability Of Amendatory Endorsements 2 Audit Of Books And Records 2 � Cancellation 2 ,ae Changes 2 Compliance By Insureds 2 , Compliance With Applicable Trade Sanctions 2 Conformance 2 ^E First Named Insured 2 Inspections And Surveys 2 Titles Of Paragraphs 3e ; Transfer Of Rights And Duties 3 When We Do Not Renew 3 �'k�'f��jittt77} 5a:. F%t}ei^h. z IN CB IL 00 0001 0320 Page 1 of 3 Section I—Conditions The following Conditions are included under each part of the policy,unless stated otherwise. Applicability Of Amendatory Endorsements A. If an endorsement that is attached to this policy does not include'CB' in the endorsement number, that endorsement does not apply to the Property or Crime Sections of this policy, even if such endorsement indicates that it does. B. Paragraph A. does not apply to Inter Line('IL')endorsements that are modifying the Cancellation or When We Do Not Renew Conditions to comply with State Cancellation and Nonrenewal Laws. Audit Of Books And Records We may audit your books and records as they relate to this insurance at any time during the term of this policy and up to three years afterwards. Cancellation A. The first named insured may cancel this policy or any of its individual coverages at any time by sending us a written request or by returning the policy and stating when thereafter cancellation is to take effect. 8. We may cancel this policy or any of its individual coverages at any time by sending to the first named insured a notice 60 days(20 days in the event of nonpayment of premium)in advance of the cancellation date.Our notice of cancellation will be mailed to the first named insured's last known address,and will indicate the date on which coverage is terminated.If notice of cancellation is mailed,proof of mailing will be sufficient proof of notice. C. The earned premium will be computed on a pro rata basis.Any unearned premium will be returned as soon as practicable. Changes This policy can only be changed by a written endorsement that becomes part of this policy.The endorsement must be signed by one of our authorized representatives. Compliance By Insureds We have no duty to provide coverage under this policy unless you and any other involved insured have fully complied with all of the terms and conditions of the policy. Compliance With Applicable Trade Sanctions This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance. Conformance Any terms of this insurance which are in conflict with the applicable statutes of the State in which this policy is issued are amended to conform to such statutes. First Named Insured The person or organization first named in the Declarations is primarily responsible for payment of all premiums. The first named insured will act on behalf of all other named insureds for the giving and receiving of notice of cancellation or nonrenewal and the receiving of any return premiums that become payable tinder this policy. Inspections And Surveys A. We may: 1. make.inspections and surveys at any time; 2. give you reports on the conditions we find;and 3. recommend changes. CB IL 0a 00010320 Page 2 of C H U B S' Common Policy Conditions Section I—Conditions(continued) Inspections And Surveys(continued) B. Any inspections,surveys,reports or recommendations 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 workers or the public.And we do not warrant that conditions: 1, are safe or healthful;or 2. comply with laws,regulations,codes or standards. C. 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 for us. Titles Of Paragraphs The titles of the various paragraphs of this policy and endorsements,if any,attached to this policy are inserted solely for convenience or reference and are not to be deemed in any way to limit or affect the provisions to which they relate. Transfer Of Rights And Duties Your rights and duties under this insurance may not be transferred without our written consent. However,if you die, then your rights and duties will be transferred to your legal representative,but only while acting within the scope of duties as your legal representative, or to anyone having temporary custody of your property until your legal representative has been appointed. When We Do Not Renew ff we decide not to renew this policy,we will mail or deliver to the first named insured's last known address,written notice of the nonrenewal not less than 60 days before the expiration date. if notice of nonrenewal is mailed, proof of mailing will be sufficient proof of notice. CB M 00 00010320 Page 3 of 3 IL 00 17 1198 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation b. Give you reports on the conditions we find; 1. The first Named Insured shown in the Declara- and tions may cancel this policy by mailing or de- c. Recommend changes. livering to us advance written notice of cancel- W 2, e are not obligated to make any y inspections, lation. surveys, reports or recommendations and any 2. We may cancel this policy by mailing or deliv- such actions we do undertake relate only to in- ering to the first Named Insured written notice surability and the premiums to be charged. We of cancellation at least: do not make safety inspections. We do not un- a. 10 days before the effective date of cancel- dertake to perform the duty of any person or lation if we cancel for nonpayment of pre- organization to provide for the health or safety mium; or of workers or the public. And we do not war- b. 30 days before the effective date of cancel- rant that conditions: [ation if we cancel for any other reason. a. Are safe or healthful; or 3. We will mail or deliver our notice to the first b. Comply with laws, regulations, codes or Named Insured's last mailing address known to standards. us. 3. Paragraphs 1. and 2. of this condition apply not 4. Notice of cancellation will state the effective only to us, but also to any rating, advisory, rate date of cancellation. The policy period will end service or similar organization which makes in- on that date. surance inspections, surveys, reports or recom- s. If this policy is canceled, we will send the first mendations. Named Insured any premium refund due. If we 4. Paragraph 2. of this condition does not apply to cancel, the refund will be pro rata. If the first any inspections, surveys, reports or recommen- Named Insured cancels, the refund may be less dations we may make relative to certification, than pro rata. The cancellation will be effective under state or municipal statutes, ordinances or even if we have not made or offered a refund. regulations, of boilers, pressure vessels or ele- 6. If notice is mailed, proof of mailing will be suf- vators. ficient proof of notice, E. Premiums B. Changes The first Named Insured shown in the Declarations: This policy contains all the agreements between 1. Is responsible for the payment of all premiums; you and us concerning the insurance afforded. The and first Named Insured shown in the Declarations is 2. Will be the payee for any return premiums we authorized to make changes in the terms of this pay. policy with our consent. This policy's terms can be F. Transfer Of Your Rights And Duties Under This amended or waived only by endorsement issued by Policy us and made a part of this policy. C. Examination Of Your Books And Records Your rights and duties under this policy may not be transferred without our written consent except in We may examine and audit your books and records the case of death of an individual named insured. as they relate to this policy at any time during the If you die, your rights and duties will be transferred policy period and up to three years afterward. to your legal representative but only while acting D. Inspections And Surveys within the scope of duties as your legal representa- 1. We have the right to: tive. Until your legal representative is appointed, a. Make inspections and surveys at any time; anyone having proper temporary custody of your property will have with respect to that PRCINFO_DUPLEX ------------------------------------------ - OFF IL 00 17 1I 98 Copyright,Insurance Services Office,Inc., 1998 C H U S S' Chubb Commercial Excess Follow-Form Insurance Endorsement Policy Period NOVEMBER 1,2024 To NOVEMBER 1,2025 Effective Date NOVEMBER 1,2024 Policy Number 5671-92-36 Insured FIFTH ASSET,INC.DBA DEBTBOOK Name of Company FEDERAL INSURANCE COMPANY Date Issued August 15,2024 The following changes are made as respects exposures in the state of North Carolina. Under Conditions,the conditions titled Cancellation and When We Do Not Renew are deleted and replaced by the following: Conditions Cancellation A. The first named insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. Cancellation Of Policies In Effect For Fewer Than Sixty(60)Days B. If this policy has been in effect for fewer than sixty(60)days,we may cancel this policy by mailing or delivering to the first named insured written notice of cancellation at least: 1. fifteen(15)days before the effective date of cancellation,if we cancel for nonpayment of premium;or 2. thirty(30)days before the effective date of cancellation,if we cancel for any other reason. Cancellation Of Policies In Effect For More Than Sixty(60)Days C. If this policy has been in effect for sixty(60)days or more,or is a renewal of a policy issued by us,we may cancel this policy prior to the expiration of the policy term or anniversary date stated in the policy only for one or more of the following reasons: 1. nonpayment of premium; 2. an act or omission by the insured or his or her representative that constitutes material misrepresentation or nondisclosure of a material fact in obtaining this policy,continuing this policy or presenting a claim under this policy; 3. increased hazard or material change in the risk assumed that could not have been reasonable contemplated by the parties at the time of assumption of the risk; 4. substantial breach of contractual duties,conditions or warranties that materially affects the insurability of the risk; 5, a fraudulent act against us by the insured or his or her representative that materially affects the insurability of the risk; Chubb Commercial Excess Follow-Form Insurance North Carolina Mandatory Form 07-02-1020(Rev.5-05) Endorsement Page I of 3 Conditions Cancellation 6. willful failure by the insured or his or her representative to institute reasonable (continued) loss control measures that materially affect the insurability of the risk after written notice by us; 7. loss of facultative reinsurance or loss of substantial changes in applicable reinsurance as provided G.S.58-41-30; 8. conviction of the insured of a crime arising out of acts that materially affect the insurability of the risk; 9. a determination by the Commissioner of Insurance that the continuation of the policy would place us in violation of the laws of North Carolina;or 10. if you fail to meet the requirements contained in our corporate charter,articles of incorporation or by-laws when we are a company organized for the sole purpose of providing members of an organization with insurance coverage in North Carolina. We will mail or deliver written notice of cancellation to the first named insured at least: • fifteen(15)days before the effective date of cancellation if we cancel for nonpayment of premium; or • thirty(30)days before the effective date of cancellation if we cancel for any other reason. Cancellation for nonpayment of premium will not become effective if you pay the premium amount due before the effective date of cancellation. We may also cancel this policy for any reason not stated above provided we obtain your prior written consent. When We Do Not A. If we decide not to renew this policy,we will mail or deliver to the first named insured Renew shown in the Declarations written notice of nonrenewal at least forty-five(45)days prior to the: 1. expiration of the policy if this policy has been written for one year or less; or 2. anniversary date of the policy if this policy has been written for more than one(1) year or for an indefinite term. B. We need not mail or deliver the notice of nonrenewal if you have: 1. insured property covered under this policy,under any other insurance policy; 2. accepted replacement coverage; or 3. requested or agreed to nonrenewal of this policy. C. If notice is mailed,proof of mailing will be sufficient proof of notice. D. The written notice of cancellation or nonrenewal will: 1. be mailed or delivered to the First named insured at their addresses shown in the policy,or if not indicated in the policy,at their last known addresses;and Chubb Commercial Excess _ s Follow-Farm Insurance North Carolina Mandatory Farm 07-02-1020(Rev.5-05) Endorsement Page 2 of 3 C H U S S' Chubb Commercial Excess Follow-Form Insurance Endorsement Effective Date NOVEMBER 1,2024 Policy Number 5671-92-36 Conditions When We Do Not 2. state the reason or reasons for cancellation or nonrenewal. Renew E, At your request,we will provide loss information for the last three(3)years of the (continued) policy.. All other terms and conditions remain unchanged. Authorized Re esentative ¢ ✓ n August 15,2024 Chubb Commorclat Excess Follow-Form Insurance North Carolina Mandatory Form 07-02-1020(Rev.5-05) Endorsement Pago 3 of 3 2303 '4'e���® CERTIFICATE OF LIABILITY INSURANCE CATE(1M6ID 120Y O5I167205 25 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 endorsements , PRODUCER CONTACT AON RISK SERVICES SOUTH INC NAME: AOn Risk Services,Inc of Florida 3550 LENOX ROAD NORTHEAST PHONE FAX SUITE 1700 A1C,NO,Ext:833-506-1544 (AIC,Nc: ATLANTA GA 30326 EMAIL ADDRESS: work.Gomp@trinet.com INSURERS)AFFORDING COVERAGE NAIC# INSURER A: ACE American Insurance Company 22667 INSURED TnNet Group,Inc.IFifth Asset,Inc DBA oeblbook INSURER B 1 Park Place,Suite 600 INSURER C Dublin,CA 94568-7983 INSURER D INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: 15807380 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 LTR INSR WVD MM1DDNYYY MMYDDNYYY LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE S DAMAGE TO RENTED CLAIMS-MADE ❑ OCCUR AREMISES Ea occurrence S MED EXP(Any oneperson) $ PERSONAL&ADV INJURY S GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE S POLICY ❑PROJECT El LOC PRODUCTS-COMPfOP AGG S OTHER S COMBINED SINGLE=LIMIT AUTOMOBILE LIABILITY Ea accident) S ANY AUTO BODILY INJURY Perperson) $ OWNED SCHEDULED AUTOS ONLY .AUTOS BODILY 3NJURY(Per accident S HIRED NON-OWNED PROPERTY DAMAGE AUTOS ONLY AUTOS ONLY Per accident) 5 5 UMBRELLA UAB OCCUR EACH OCCURRENCE S EXCESS LIAB CLAIMS-MADE AGGREGATE S DEC I I RETENTION S WORKERS COMPENSATION PER OTH- AND EMPLOYERS'LIABILITY YIN X STATUTE ER A ANY PROPRIETOR+PARTNERiEXECU7IVE WLR C574B0817 E.L.EACH ACCIDENT $ 2,COO,DaO OFFICER/MEMBER EXCLUDED? N 1 A X — p7101l2024 07/0112025 (Mandatory in Ni E.L.DISEASE-EA EMPLOYEE 5 2,000,000 If yes,deednhe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT S 2,000,000 DESCRIPTION OF OPERATIONS 1 LOCATIONS!VEHICLES(ACORD 101,Additional Remarks Schedule,may be attached if more space is required) Workers Compensation coverage is limited to worksile employees of Fifth Asset,Inc DBA Debtbook through a co-emp€oyment agreement with TnNet HR III.Inc.. List of additional covered ens&es under the above policy: di 0ardbookWaiver of subrogation in flavor of City of Santa Ana,and its City Council,officers.officials,employees,agents,and volunteers.as respects of job performed by Fifth Asset,Inc DBA Debtbook as required by written contract. APPROVED CERTIFICATE HOLDER CANCELLATION By Tu Tran Nguyen at 4:02,pm,Jun 05,2025 City of Santa Ana SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Finance 8 Management Services Agency THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Accounting Division ACCORDANCE WITH THE POLICY PROVISIONS. 20 Civic Center Plaza M-17 Santa Ana,CA 92701 AUTHORIZED REPRESENTATIVE ogon 0RpA f ecviceb South Rnc ©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 Policy Named Insured TriNet Group,Inc.WCIF Fifth Asset,Inc DBA Debtbook Endorsement Number I Park Place,Suite 600 Dublin,CA 94568-7983 Policy Number Symbol:WLR Number:C57460817 Policy Period Effective Date of Endorsement 07/01/2024 TO 07/01/2025 05/15/2025 Issued By(Name of Insurance Company) ACE American Insurance Company Insert the policy number.The remainder of the information is to be completed only when this endorsement Is issued subsequent to the preparation of the policy. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. CALIFORNIA WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT This endorsement applies only to the insurance provided by the policy because California is shown in item 3.A. of the Information Page. 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, but this waiver applies only with respect to bodily injury arising out of the operations described in the Schedule, where you are required by a written contract to obtain this waiver from us. You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. Schedule 1. (X) Specific Waiver Name of person or organization: City of Santa Ana,and its City Council, officers,officials,employees,agents,and volunteers. Finance&Management Services Agency Accounting Division 20 Civic Center Plaza M-17 Santa Ana,CA 92701 (} Blanket Waiver Any person or organization for whom the Named Insured has agreed by written contract to furnish this waiver. 2. Operations: 3. Premium: The premium charge for this endorsement shall be INCLUDED percent of the California premium developed on payroll in connection with work performed for the above person(s) or organization(s) arising out of the operations described. 4. Minimum Premium: INCLUDED Authorized Representative WC 90 03 75 (05/18) -:H DebtBook To whom it may concern, Fifth Asset, Inc. d/b/a/ DebtBook does not presently have any corporate-owned automobiles. DebtBook employees / representatives will not be driving onto the city's' property and DebtBook employees / representatives will not be driving representing the city as part of the Debtook Proposal„ therefore automobile liability insurance coverage requirements are not necessary. Sincerely, U)` Date:07/30/2024 Liam Resch Counsel 1431 W Morehead St, Suite 200, Charlotte, NC 28208 1 +1.704.7997600 www.debtbooK.com DebtBook Auto Letter Final Audit Report 2024-07-30 Created: 2024-07-30 By: Amy O'Brien(amy.obrien@debtbook.com) Status: Signed Transaction ID: CBJCHBCAABAAWOVSB7Zn9y7DIbKuj-pffMQQdulzVs78 "DebtBook Auto Letter" History 1'`) Document created by Amy O'Brien (amy.obrien@debtbook.com) 2024-07-30-5:54:05 PM GMT Document emailed to Liam Resch (liam.resch@debtbook.com) For signature 2024-07-30-5:54:09 PM GMT Email viewed by Liam Resch (liam.resch@debtbook.com) 2024-07-30-6:47:01 PM GMT Document e-signed by Liam Resch (liam.resch@debtbook.com) Signature Date:2024-07-30-6:47:11 PM GMT-Time Source:server Agreement completed. 2024-07-30-6:47:11 PM GMT Adobe Acrobat Sign Nguyen, Tu Tran From: Sean Gibney <Sean.Gibney@vutwco.com> Sent: Thursday, June 5, 2025 3:19 PM To: Nguyen, Tu Tran; Amy O'Brien Cc: Kevin Le; Bill Fray; Ro, Sarah Subject: RE: Santa Ana COI Needs Tu- Policy has blanket waiver of subrogation and additional insured wording pursuant to any contracts entered, as evidenced by the certificate of insurance. See below for both snapshots THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY This endorsement modifies insurance provided underthe following:. COALITION CYBER POLICY In consideration of the premium charged for this Policy,it is hereby understood and agreed that: 1. The definition of "Insured, you, or your" under SECTION IX, DEFINITIONS is deleted and replaced with the following: Insured,you,oryour means: 2. the named insured; 2. a subsidiary: 3. senior executives, 4. employees; 5, an independent contractor,who is a natural person,but only vrhile acting in the normal cou rse of the named insured or subsidiary's business operations while under their direct supervision: b. with respect to Sections II.A,NETWORK AND INFORMATION SECURITY LIABILITY,and 11.8,REGULATORY DEFENSE AND PENALTIES,any person or entity you have agreed in a written contractor agreement to add as an additional insured to a policy providing the type of coverage afforded by this Policy,provided such contract or agreement is in effect or becomes effective during the policy period,and solely for such person's or entity's liability arising out of the named insured's or subsidiary's acts(hereafter an-1 itional insured); 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY This endorsement modifies insurance provided underthe following: COALITION CYBER POLICY In consideration of the premium charged for this Policy,it is hereby understood and agreed that: SECTION IV, YOUR OBLIGATIONS AS AN INSURED, OBLIGATION TO PRESERVE OUR RIGHT OF SUBROGATION is deleted and replaced with the following: OBLIGATION TO PRESERVE In the event of any payment by us underthis Policy,wewill be subrogated OUR RIGHT OF SUBROGATION to all of your rights of recovery.You will do everything necessary to secure and preserve such subrogation rightsr including the execution of any documents necessary to enab#e us to bring suit in your name.You will not do anything after an incident or event giving rise to a claim or loss to prejudice such subrogation rights without first obtaining our consent. This obligation does not apply to the extent that the right to subrogate is waived by you undera written contract with that person or organization, prior to the Incident or event giving rise to the claim or lass Sean Gibney Alternative Asset Insurance Solutions (AAIS) CA Insurance Producer License#4287168 WTW Willis Towers Watson Northeast Inc. d/b/a Willis Towers Watson Northeast Insurance Services, Inc/CA Insurance License#0441679 Mobile: +1 908 295 6350 lean. ibne wtwco.com wtwco.corn From: Nguyen,Tu Tran <tnguyen20@santa-ana.org> Sent:Thursday,June 5, 2025 2:42 PM To:Amy O'Brien <amy.obrien@debtbook.com> Cc: Kevin Le<Kevin.Le1@wtwco.com>;Sean Gibney<Sean.Gibney@wtwco.com>; Bill Fray<bill,fray@debtbook.com>; Ro, Sarah <SRo@santa-ana.org> Subject: RE: Santa Ana COI Needs Some people who received this message don't often get email from tnguyen20t santa-ana.org.Learn why this is important Hello everyone, We are requesting the following per the agreement: 1. Additional Insured and Waiver of Subrogation endorsement as to the Technology Professional Liability E&O a. Blanket endorsement or Specific endorsement with required text: "City of Santa Ana, its City Council, officers, officials, employees, agents, and volunteers" b. If the language for these endorsements are directly incorporated into the policy, then please provide a PDF of the section that references the endorsements. 2 1. City of Santa Ana, its City Council, its officers, officials, employees, agents, an covered as additional insureds, under DebtBook's C:GL, and E&O policies, witl arising out of work or operations performed by or on behalf of the DebtBook parts, equipment, and personnel furnished in connection with such work or ( 2. DebtBook's insurance companies agree to waive all rights of subrogation aga its City Council, its officers, officials, employees, agents, and volunteers for Ic terms of any policy which arise from work performed by DebtBook under thi Thank you, Tu Tran Nguyen I Risk Management Technician City of Santa Ana - Human Resources Department n 20 Civic Center Plaza I Santa Ana, CA 92701 Office: 714-647-5141 Email: TN u en20 santa-ana.or I santa-ana.org/human-resources I Linkedln I nstagram City Hall hours are 8 a.m. to 5 p.m. Monday through Thursday, and 8:00 a.m.to 5:00 p.m. every other Friday. Click here for a list of observed holidays and Friday closure dates. The mySantaAna mobile app puts the power of the Santa Ana city government in the palm of your hand! The free app allows residents to quickly and easily report issues to the City, access City services, and find news and events. It is available to download from the Apple App Store and on Gooale Play. Click here to report an issue directly from the City website. From:Amy O'Brien <amy,obrien@debtbook.com> Sent:Thursday,June 5, 2025 11:33 AM To: Nguyen, Tu Tran <tnguyen20@santa-ana.org>; Ro,Sarah <SRo@santa-ana.or > Cc: Le, Kevin <Kevin.Le1@wtwco.com>; Gibney, Sean <Sean,Gibney@wtwco.com>; Bill Fray<bill.fra debtbook.corn> Subject:Santa Ana COI Needs Hi all, Decided to get everyone together on this so we can finally close the loop. @Tu Tran Nguyen would you please let our insurance representatives (copied here) exactly what you are missing from the COI? If I can provide any assistance, please let me know. 3 _ Page 1 of 2 aC40 11/11/2025 1 " CERTIFICATE OF LIABILITY INSURANCE DATE(M /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 WTW Certificate Center NAME: Willis Towers Watson Northeast, Inc. c/o 26 Century Blvd PHONE 1-877-945-7378 F' 1-888-467-2378 A/C No Ext: A/C,No: E-MAIL certificates@wtwco.com P.O. Box 305191 ADDRESS: Nashville, TN 372305191 USA INSURER(S)AFFORDING COVERAGE NAIC# INSURERA: Chubb National Insurance Company 10052 INSURED INSURER B: Federal Insurance Company 20281 Fifth Asset, Inc., d/b/a DebtBook 1930 Camden Road, Ste 200 INSURERC: Beazley Insurance Company Inc 37540 Charlotte, NC 28203 INSURERD: Fortegra Specialty Insurance Company 16823 INSURERE: Evanston Insurance Company 35378 INSURER F: COVERAGES CERTIFICATE NUMBER: W41749067 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 EFF POLICY EXP LIMITS LTR INSD WVD POLICYNUMBER MM/DD MM/DD X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 � OCCUR DAMAGERENTED CLAIMS-MADE PREMISESl(Ea occurrence) $ 1,000,000 A MED EXP(Any one person) $ 15,000 Y Y D02044584 11/01/2025 11/01/2026 PERSONAL&ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERALAGGREGATE $ 2,000,000 X POLICY❑ PRO- POLICY ❑ LOC PRODUCTS-COMP/OPAGG $ 2,000,000 OTHER: $ AUTOMOBILE LIABILITY COMBINEDSINGLELIMIT $ 1,000,000 Ea accident ANY AUTO BODILY INJURY(Per person) $ B OWNED SCHEDULED (25)7363-73-01 11/01/2025 11/01/2026 BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ X AUTOS ONLY X AUTOS ONLY Per accident B X UMBRELLA LAB X OCCUR EACH OCCURRENCE $ 5,000,000 EXCESS LAB CLAIMS-MADE 5671-92-36 11/01/2025 11/01/2026 AGGREGATE $ 5,000,000 DED X RETENTION$ 10,000 $ WORKERS COMPENSATION PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTE ER ANYPROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? ❑ N/A (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ C CRIME V369A3250301 11/01/2025 11/01/2026 Limit Each Loss $1,000,000 Employee Theft Insured Property Deductible each loss $25,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,maybe attached if more space is required) This Voids and Replaces Previously Issued Certificate Dated 11/06/2025 WITH ID: W41697941. SEE ATTACHED Digitally signed Tu Tran g,y an Nguyen APPROVED N N g u ye n Dete:2025.1113 10:04:48-08'00 By Tu Tran Nguyen at 10:04 am,Nov 13,2025 CERTIFICATE HOLDER CANCELLATION 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 AUTHORIZED REPRESENTATIVE Finance & Management Services Agency, Acctg Division 20 Civic Center Plaza M-17 Santa Ana, CA 92701 +` ©1988-2016 ACORD CORPORATION. All rights reserved. ACORD 25(2016103) The ACORD name and logo are registered marks of ACORD SR ID: 28854873 BATCH: 4202913 23Q3 A�L> DATE(MM/DD/YYYY) CERTIFICATE OF LIABILITY INSURANCE 05/22/2025 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 endorsements . PRODUCER CONTACT A AON RISK SERVICES SOUTH INC NAME: on Risk Services,Inc of Florida 3550 LENOX ROAD NORTHEAST PHONE FAX SUITE 1700 A/C,No,Ext:833-506-1544 A/C,No): ATLANTA GA 30326 EMAIL ADDRESS: work-comp@trinet.com INSURER(S)AFFORDING COVERAGE NAIC# INSURER A: Indemnity Insurance Company of North America 43575 INSURED INSURER B: TriNet Group,Inc.L/C/F Fifth Asset,Inc DBA Debtbook 1 Park Place,Suite 600 INSURER C: Dublin,CA 94568-7983 INSURER D INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: 15908234 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 $ DAMAGE TTED CLAIMS-MADE ❑ OCCUR PREM SESOEa occurrence) $ MED EXP(Any oneperson) $ PERSONAL&ADV INJURY $ GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ POLICY PROJECT LOC PRODUCTS-COMP/OP AGG $ OTHER $ AUTOMOBILE LIABILITY (Ea acccidentSINGLE LIMIT $ ANY AUTO BODILY INJURY Perperson) $ OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY Per accident $ HIRED NON-OWNED PROPERTY DAMAGE AUTOS ONLY AUTOS ONLY Per accident $ $ UMBRELLA LAB I OCCUR EACH OCCURRENCE $ EXCESS LAB CLAIMS-MADE AGGREGATE $ DEC I I RETENTION$ WORKERS COMPENSATION X PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTE ER A ANY PROPRIETOR/PARTNER/EXECUTIVE FT WLR C73271290 E.L.EACH ACCIDENT $ 2,000,000 OFFICER/MEMBER EXCLUDED? N/A X — 07/01/2025 07/01/2026 (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ 2,000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ 2,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES(ACORD 101,Additional Remarks Schedule,may be attached if more space is required) Workers Compensation coverage is limited to worksite employees of Fifth Asset,Inc DBA Debtbook through a co-employment agreement with TriNet HR III,Inc. List of additional covered entities under the above policy: dba Debtbook Waiver of subrogation in favor of City of Santa Ana,and its City Council,officers,officials,employees,agents,and volunteers.as respects of job performed by Fifth Asset,Inc DBA Debtbook as required by written contract. APPROVED CERTIFICATE HOLDER CANCELLATION BY Tu Tran Nguyen at 10:04 am,Nov 13,2025 City of Santa Ana SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Finance&Management Services Agency THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Accounting Division ACCORDANCE WITH THE POLICY PROVISIONS. 20 Civic Center Plaza M-17 Santa Ana,CA 92701 AUTHORIZED REPRESENTATIVE A O'l C&Sh &eti/Lee9 (-youth 2Re ©1988-2015 ACORD CORPORATION.All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD AGENCY CUSTOMER ID: LOC#: ,a`oRo ADDITIONAL REMARKS SCHEDULE Page 2 Of 2 AGENCY NAMED INSURED Willis Towers Watson Northeast, Inc. Fifth Asset, Inc., d/b/a DebtBook 1930 Camden Road, Ste 200 POLICY NUMBER Charlotte, NC 28203 See Page 1 CARRIER NAIC CODE See Page 1 See Page 1 EFFECTIVE DATE: See Page 1 ADDITIONAL REMARKS THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM, FORM NUMBER: 25 FORM TITLE: Certificate of Liability Insurance Certificate Holder is included as an Additional Insured as respects to General Liability. General Liability policy shall be Primary and Non-contributory with any other insurance in force for or which may be purchased by Additional Insured. Waiver of Subrogation applies in favor of Certificate Holder with respects to General Liability. INSURER AFFORDING COVERAGE: Fortegra Specialty Insurance Company NAIC#: 16823 POLICY NUMBER: C-4MX3-026167-CYBER-2025A EFF DATE: 11/01/2025 EXP DATE: 11/01/2026 TYPE OF INSURANCE: LIMIT DESCRIPTION: LIMIT AMOUNT: Cyber Tech E&O Aggregate Limit $5,000,000 INSURER AFFORDING COVERAGE: Evanston Insurance Company NAIC#: 35378 POLICY NUMBER: MKLVlWMA001602 EFF DATE: 11/01/2025 EXP DATE: 11/01/2026 TYPE OF INSURANCE: LIMIT DESCRIPTION: LIMIT AMOUNT: Indemnifiable D&O Liability Each Claim/Aggregate $3,000,000 ACORD 101 (2008/01) ©2008 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD SR ID: 28854873 BATCH: 4202913 CERT: W41749067 CHUBB' COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT Named Insured FIFTH ASSET,INC.DBA DEBTBOOK Policy Number Policy Period Effective Date of Endorsement D02044584 11-01-2025 to 11-01-2026 11-01-2025 Name of Company CHUBB NATIONAL INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM If any other endorsement attached to this policy amends any provision also amended by this enhancement endorsement, then that other endorsement controls with respect to such provision,and the changes made by this enhancement endorsement with respect to such provision do not apply. TABLE OF CONTENTS A. Expected Or Intended Injury—Exception For Property Damage Caused By Reasonable Use Of Force B. Non-Owned Watercraft Under 55 Feet C. Non-Owned Aircraft Exception D. Damage To Property—Exception For Equipment Loaned Or Rented To The Insured E. Electronic Data—Exception For Physical Injury To Tangible Property F. Pollution—Exception For Damage To Rented Premises Caused By Hostile Fire G. Personal And Advertising Injury Coverage—Contractual Liability Exception For Insured Contracts H. Medical Expenses Coverage—Three Years To Report Expenses I. Supplementary Payments—Increased Limits J. Who Is An Insured—Subsidiaries Or Newly Acquired Or Formed Organizations—Including New And Existing Subsidiaries,Partnerships,Joint Ventures,Limited Liability Companies K. Who Is An Insured—Employees Including Incidental Healthcare Professional Services L. Additional Insureds Controlling Interest Lessors Of Leased Equipment Managers Or Lessors Of Premises Mortgagee,Assignee Or Receiver Other Persons Or Organizations Pursuant To A Contract Or Agreement Trade Show Event Lessor Vendors M. Medical Expense Limit—$15,000 N. Knowledge/Notice Of Occurrence O. Primary And Non-Contributory P. Unintentional Failure To Disclose Hazards Q. Waiver Of Subrogation Required By Contract R. In Rem S. Coverage Territory—Limited Worldwide T. Insured Contract Amended—Railroad Limitations Removed A. Expected Or Intended Injury—Exception For Property Damage Caused By Reasonable Use Of Force Exclusion a. under Paragraph 2. Exclusions of Section I—Coverage A—Bodily Injury And Property Damage CB CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its permission. Pagel of 9 Liability is deleted and replaced by the following: a. Expected Or Intended Injury "Bodily injury"or"property damage"expected or intended from the standpoint of the insured,even if the actual "bodily injury" or"property damage"is of a different degree or type than intended or expected. This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property. B. Non-Owned Watercraft Under 55 Feet Paragraph (2) of Exclusion g. under Paragraph 2. Exclusions of Section I— Coverage A— Bodily Injury And Property Damage Liability is deleted and replaced by the following: This exclusion does not apply to: (2) A watercraft you do not own that is: (a) Less than 55 feet long;and (b) Not being used to carry persons or property for a charge; C. Non-Owned Aircraft Exception Exclusion g.under Paragraph 2.Exclusions of Section I—Coverage A—Bodily Injury And Property Damage Liability is amended to include the following exception: This exclusion does not apply to: (6) An aircraft you do not own provided: (a) The pilot in command holds a currently effective certificate,issued by the duly constituted authority of the United States of America or Canada,designating that person as a commercial or airline transport pilot; (b) It is rented with a trained,paid crew;and (c) It does not transport persons or cargo for a charge. D. Damage To Property—Exception For Equipment Loaned Or Rented To The Insured Exclusion j.under Paragraph 2.Exclusions of Section I—Coverage A—Bodily Injury And Property Damage Liability is amended to include the following exception: Paragraphs (3) and (4) of this exclusion do not apply to "property damage" to equipment rented or loaned to the insured,provided such equipment is not being used to perform any operations at a construction job site. E. Electronic Data—Exception For Physical Injury To Tangible Property Exclusion p.under Paragraph 2.Exclusions of Section I—Coverage A—Bodily Injury And Property Damage Liability is deleted and replaced by the following: p. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. However,this exclusion does not apply to: (1) 'Bodily injury";or (2) Physical injury to tangible property. As used in this exclusion,electronic data means information,facts or programs stored as or on,created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. F. Pollution—Exception For Damage To Rented Premises Caused By Hostile Fire CB CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its permission. Page 2 of 9 Exclusion f. under Paragraph 2. Exclusions of Section I— Coverage A— Bodily Injury And Property Damage Liability is amended to include the following exception: This exclusion does not apply to"property damage"to premises while rented to you or temporarily occupied by you with the permission of the owner and caused by a"hostile fire", explosion, smoke or leakage from fire protection equipment. G. Personal And Advertising Injury Coverage—Contractual Liability Exception For Insured Contracts Exclusion c. under Paragraph 2. Exclusions of Section I — Coverage B — Personal And Advertising Injury Liability is deleted and replaced by the following: c. Contractual Liability "Personal and advertising injury"for which the insured has assumed liability in a contract or agreement.This exclusion does not apply to liability for damages: (1) That the insured would have in the absence of the contract or agreement; or (2) Assumed in a written contract or agreement that is an "insured contract' provided the "personal and advertising injury"is caused by an offense first committed after the execution of the contract or agreement. H. Medical Expenses Coverage—Three Years To Report Expenses Subparagraph I.a.(b)under Section I—Coverage C—Medical Payments is deleted and replaced by the following: (b) The expenses are incurred and reported to us within three years of the date of the accident; and L Supplementary Payments—Increased Limits Paragraph 1. under Section I — Supplementary Payments —Coverages A And B is deleted and replaced by the following: 1. We will pay,with respect to any claim we investigate or settle,or any "suit"against an insured we defend: a. All expenses we incur. b. The cost of: (1) Bail bonds;or (2) Bonds required to: (a) Appeal judgments;or (b) Release attachments; but only for bond amounts within the available limit of insurance.We do not have to furnish these bonds. c. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or"suit",including actual loss of earnings up to$1,000 a day because of time off from work. d. All court costs taxed against the insured in the "suit'. e. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. f. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. J. Who Is An Insured — Subsidiaries Or Newly Acquired Or Formed Organizations — Including New And Existing Subsidiaries,Partnerships,Joint Ventures,Limited Liability Companies Paragraph 2.under Section II—Who Is An Insured is deleted and replaced by the following: 2. If there is no other insurance available,each of the following is also a Named Insured: CB CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its permission. Page 3 of 9 a. A subsidiary organization of the first Named Insured shown in the Declarations of which,at the beginning of the policy period and at the time of loss, the first Named Insured controls, either directly or indirectly, more than 50 percent of the interests entitled to vote generally in the election of the governing body of such organization;or b. A subsidiary organization of the first Named Insured shown in the Declarations that the first Named Insured acquires or forms during the policy period, if at the time of loss the first Named Insured controls, either directly or indirectly,more than 50 percent of the interests entitled to vote generally in the election of the governing body of such organization. K Who Is An Insured—Employees Including Incidental Healthcare Professional Services Paragraph 3.a.under Section II—Who Is An Insured is deleted and replaced by the following: 3. Each of the following is also an insured: a. Your "employees" but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business.However,no"employee"is an insured for: (1) 'Bodily injury"or"personal and advertising injury": (a) To you,to any of your directors,managers, members, "executive officers" or partners(whether or not an "employee") or to any co-"employee" while such injured person is either in the course of his or her employment or while performing duties related to the conduct of your business; (b) To the brother,child,parent,sister or spouse of such injured person as a consequence of any injury described in Paragraph(1)(a)above;or (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of any injury described in Paragraph(1)(a)or(b)above. CB CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its permission. Page 4 of 9 With respect to"bodily injury"only,the limitations described in Paragraph 3.a.(1)above do not apply to: (i) You or to your directors, managers, members, "executive officers", partners or supervisors as insureds; (ii) Your "employees" as insureds, with respect to such damages caused by cardiopulmonary resuscitation or first aid services administered by such an"employee";or (iii)Your "employees" who are nurses, emergency medical technicians, or paramedics as insureds, with respect to such damages that are caused by providing or failing to provide professional healthcare services, but only if you are not engaged in the business or occupation of providing medical,paramedical,surgical,dental,x-ray or nursing services. (2) "Property damage" to any property owned, occupied or used by you or by any of your directors, managers,members,"executive officers"or partners(whether or not an"employee")or by any of your "employees". This limitation does not apply to "property damage" to premises while rented to you or temporarily occupied by you with the permission of the owner. L. Additional Insureds Paragraph 3.under Section II—Who Is An Insured is amended by including the following: Controlling Interest Any person or organization that has financial control of you or owns,maintains or controls premises while you lease or occupy such premises,but only with respect to their liability arising out of: (1) Their financial control of you;or (2) Premises they own,maintain or control while you lease or occupy these premises. However, no such person or organization is an insured with respect to structural alterations, new construction or demolition operations performed by or for that person or organization. Lessors Of Leased Equipment Any person or organization from whom you lease equipment,but only with respect to the maintenance or use by you of such equipment, and only if you are obligated pursuant to a contract or agreement to provide them with such insurance as is afforded by this Coverage Part.However,no such person or organization is an insured with respect to an"occurrence"that takes place,or an offense that is committed,after the equipment lease ends. Managers Or Lessors Of Premises Any person or organization from whom you lease premises,but only with respect to the ownership,maintenance or use of that particular part of such premises leased to you and only if you are obligated pursuant to a contract or agreement to provide them with such insurance as is afforded by this Coverage Part. However, no such person or organization is an insured with respect to: (1) An "occurrence" that takes place, or an offense that is committed, after you cease to be a tenant in such premises;or (2) Any structural alteration,new construction or demolition operations performed by or on behalf of them. Mortgagee,Assignee Or Receiver A mortgagee, assignee or receiver of premises, but only with respect to such mortgagee, assignee or receiver's liability for"bodily injury", "property damage" or"personal and advertising injury" arising out of your ownership, maintenance or use of a premises by you. However, no such person or organization is an insured with respect to structural alterations, new construction or demolition operations performed by, on behalf of, or for such additional insured. Other Persons Or Organizations Pursuant To A Contract Or Agreement Any person or organization that you are obligated pursuant to a contract or agreement to provide with such insurance as is afforded by this policy are insureds. CB CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its permission. Page 5 of 9 However,the person or organization is an insured only: (1) To the extent such contract or agreement requires the person or organization to be afforded status as an insured; (2) For activities that did not occur,in whole or in part,before the execution of the contract or agreement;and (3) With respect to damages,loss,cost or expense for injury or damage to which this insurance applies. No person or organization is an insured: (1) That is more specifically identified under any other provision of Section II—Who Is an Insured(regardless of any limitation applicable thereto). (2) With respect to any assumption of liability (of another person or organization) by them in a contract or agreement. This limitation does not apply to the liability for damages, loss, cost or expense for injury or damage, to which this insurance applies, that the person or organization would have in the absence of such contract or agreement. Trade Show Event Lessor With respect to your participation in a trade show event as an exhibitor, presenter or displayer, any person or organization whom you are required to include as an additional insured, but only with respect to such person or organization's liability for"bodily injury","property damage"or"personal and advertising injury"caused by: (1) Your acts or omissions;or (2) The acts or omissions of those acting on your behalf, in the performance of your ongoing operations at the trade show event premises during the trade show event. However, no such person or organization is an insured with respect to "bodily injury" or "property damage" included within the"products-completed operations hazard". Vendors Any person or organization who is a vendor of"your products",but only with respect to liability for"bodily injury" or"property damage"resulting from the distribution or sale of"your product"in the regular course of their business. However,no such person or organization is an insured with respect to any: (1) Assumption of liability (of another person or organization)by them in a contract or agreement. This limitation does not apply to the liability for damages for "bodily injury" or "property damage" that such person or organization would have in the absence of such contract or agreement; (2) Representation or warranty unauthorized by you; (3) Physical or chemical change in"your product''made intentionally by the vendor; (4) 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; (5) 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 "your product''; (6) Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of"your product";or (7) Of "your products" which, after distribution or sale by you, have been labeled or relabeled or used as a container,ingredient or part of any other thing or substance by or for the vendor. Further, no person or organization is an insured from whom you have acquired"your product'', or any ingredient, part or container entering into,accompanying or containing"your product". Limitations Applicable To Additional Insureds With respect any person or organization that qualifies as an additional insured under paragraph L. above, the following limitations apply to such insured: CB CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its permission. Page 6 of 9 (1) The insurance afforded to such additional insured only applies to the extent permitted by law;and (2) If coverage provided to the additional insured is required by a contract or agreement,the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. Limits Of Insurance Applicable to Additional Insureds With respect any person or organization that qualifies as an additional insured under paragraph L. above, the following is added to Section III—Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement,the most we will pay on behalf of the additional insured is the amount of insurance: (1) Required by the contract or agreement;or (2) Available under the applicable limits of insurance; whichever is less. However,the above paragraph shall not increase the applicable limits of insurance. M. Medical Expense Limit—$15,000 Paragraph 7.under Section III—Limits Of Insurance is amended by including the following: The Medical Expense Limit is the greater of: a. $15,000;or b. The amount shown in the Declarations for the Medical Expense Limit. N. Knowledgc/Notice Of Occurrence Paragraph 2.under Section IV—Commercial General Liability Conditions is amended to include the following: L Knowledge of an "occurrence" or offense by an agent or "employee" of the insured will not constitute knowledge by the insured, unless an "executive officer" (whether or not an "employee") of any insured or an "executive officer's"designee knows about such"occurrence"or offense. g. Failure of an agent or "employee" of the insured, other than an "executive officer" (whether or not an "employee")of any insured or an"executive officer's" designee,to notify us of an"occurrence" or offense that such person knows about will not affect the insurance afforded to you. h. If a claim or loss does not reasonably appear to involve this insurance,but it later develops into a claim or loss to which this insurance applies,the failure to report it to us will not violate this condition,provided the insured gives us immediate notice as soon as the insured is aware that this insurance may apply to such loss or claim. O. Primary And Non-Contributory Subparagraph 4.a. under Section IV — Commercial General Liability Conditions is amended to include the following: However,if you are obligated to a written contract or agreement to provide a person or organization that is included in Section II—Who Is an Insured with primary insurance such as is afforded by this policy,then this insurance is primary and we will not seek contribution from insurance available to such person or organization. P. Unintentional Failure To Disclose Hazards Paragraph 6.under Section IV—Commercial General Liability Conditions is amended to include the following: Unintentional failure of an "employee" of the insured to disclose a hazard or other material information will not violate this condition, unless an "executive officer" (whether or not an "employee") of any insured knows about such hazard or other material information. Q. Waiver Of Subrogation Required By Contract Paragraph S.under Section IV—Commercial General Liability Conditions is deleted and replaced by the CB CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its permission. Page 7 of 9 following: 8. Waiver Of Subrogation Required By Contract We will waive the rights of recovery we would otherwise have had against another person or organization, for loss to which this insurance applies, provided the insured has waived their rights of recovery against such person or organization in a contract or agreement that is executed before such loss. To the extent that the insured's rights to recover all or part of any payment made under this Coverage Part have not been waived, 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 paragraph does not apply to Coverage C. R. In Rem The following is added to Section IV—Commercial General Liability Conditions: Any"suit"brought as an action In Rem against any watercraft owned or operated by or for the insured shall in all respects be treated in the same manner as though such"suit"were brought against the insured. CB CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its permission. Page 8 of 9 S. Coverage Territory—Limited Worldwide Paragraph 4.under Section V—Definitions is deleted and replaced by the following: 4. "Coverage territory" means all parts of the world. However,"coverage territory"does not include any: a. `Bodily injury" or"property damage"that takes place or any offense committed outside of the United States of America(including its possessions and territories), Canada and Puerto Rico, unless the insured's responsibility to pay damages is determined by a "suit" on the merits that is brought in the United States of America (including its possessions and territories),Canada or Puerto Rico;or b. Injury or damage in connection with any "suit" brought outside the United States of America (including its possessions and territories),Canada and Puerto Rico. T. Insured Contract Amended—Railroad Limitations Removed Paragraph 9.under Section V—Definitions is deleted and replaced by the following: 9. "Insured contract"means: a. A lease of premises; b. A sidetrack agreement; c. An easement or license agreement; d. An obligation,as required by ordinance,to indemnify a municipality,except in connection with work for a municipality; e. An elevator maintenance agreement;or f. Any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for such municipality) in which you assume the tort liability of another person or organization to pay damages,to which this insurance applies, sustained by a third person or organization. "Insured contract" does not include that part of any contract or agreement that indemnifies an architect, engineer or surveyor for damages arising out of: (1) Preparing, approving, or failing to prepare or approve, maps, drawings, opinions, reports, surveys, field orders,change orders,designs or specifications;or (2) Giving directions or instructions,or failing to give them. All Other Terms And Conditions Remain Unchanged. Q,v", Authorized Representative CB CG 04 0001 0320 Includes copyrighted material of Insurance Services Office,with its permission. Page 9 of 9 Common Policy Conditions c 0 Table Of Contents P N 0 D Section I Conditions L I Applicability Of Amendatory Endorsements 2 I T Audit Of Books And Records 2 C I Cancellation 2 Y O Changes 2 N S Compliance By Insureds 2 Compliance With Applicable Trade Sanctions 2 Conformance 2 First Named Insured 2 C Inspections And Surveys 2 O Titles Of Paragraphs 3 N Transfer Of Rights And Duties 3 T When We Do Not Renew 3 R A C C O M M 0 N P 0 L I C C 0 N D I T I O N S CB IL 00 00010320 Page 1 of 3 Section I-Conditions The following Conditions are included under each part of the policy,unless stated otherwise. Applicability Of Amendatory Endorsements A. If an endorsement that is attached to this policy does not include`CB'in the endorsement number,that endorsement does not apply to the Property or Crime Sections of this policy,even if such endorsement indicates that it does. B. Paragraph A.does not apply to Inter Line(`IL')endorsements that are modifying the Cancellation or When We Do Not Renew Conditions to comply with State Cancellation and Nonrenewal Laws. Audit Of Books And Records We may audit your books and records as they relate to this insurance at any time during the term of this policy and up to three years afterwards. Cancellation A. The first named insured may cancel this policy or any of its individual coverages at any time by sending us a written request or by returning the policy and stating when thereafter cancellation is to take effect. B. We may cancel this policy or any of its individual coverages at any time by sending to the first named insured a notice 60 days(20 days in the event of non-payment of premium)in advance of the cancellation date.Our notice of cancellation will be mailed to the first named insured's last known address,and will indicate the date on which coverage is terminated.If notice of cancellation is mailed,proof of mailing will be sufficient proof of notice. C. The earned premium will be computed on a pro rats basis.Any unearned premium will be returned as soon as practicable. Changes This policy can only be changed by a written endorsement that becomes part of this policy.The endorsement must be signed by one of our authorized representatives. Compliance By Insureds We have no duty to provide coverage under this policy unless you and any other involved insured have fully complied with all of the terms and conditions of the policy. Compliance With Applicable Trade Sanctions This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance. Conformance Any terms of this insurance which are in conflict with the applicable statutes of the State in which this policy is issued are amended to conform to such statutes. First Named Insured The person or organization first named in the Declarations is primarily responsible for payment of all premiums. The first named insured will act on behalf of all other named insureds for the giving and receiving of notice of cancellation or nonrenewal and the receiving of any return premiums that become payable under this policy. Inspections And Surveys A. We may: 1. make inspections and surveys at any time; 2. give you reports on the conditions we find;and 3. recommend changes. CB IL 00 00010320 Page 2 of 3 C H U B B Common Policy Conditions Section I-Conditions(continued) Inspections And Surveys(continued) B. Any inspections,surveys,reports or recommendations 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 workers or the public.And we do not warrant that conditions: 1. are safe or healthful;or 2. comply with laws,regulations,codes or standards. C. 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 for us. Titles Of Paragraphs The titles of the various paragraphs of this policy and endorsements,if any,attached to this policy are inserted solely for convenience or reference and are not to be deemed in any way to limit or affect the provisions to which they relate. Transfer Of Rights And Duties Your rights and duties under this insurance may not be transferred without our written consent.However,if you die,then your rights and duties will be transferred to your legal representative,but only while acting within the scope of duties as your legal representative,or to anyone having temporary custody of your property until your legal representative has been appointed. When We Do Not Renew If we decide not to renew this policy,we will mail or deliver to the first named insured's last known address,written notice of the nonrenewal not less than 60 days before the expiration date.If notice of nonrenewal is mailed,proof of mailing will be sufficient proof of notice. CB IL 00 00010320 Page 3 of 3 Workers' Compensation and Employers' Liability Policy Named Insured TriNet Group,Inc.LJC/F Fifth Asset,Inc DBA Debtbook Endorsement Number 1 Park Place,Suite 600 Dublin,CA 94568-7983 Policy Number Symbol:WLR Number:C73271290 Policy Period Effective Date of Endorsement 07/01/2025 TO 07/01/2026 07/01/2025 Issued By(Name of Insurance Company) Indemnity Insurance Company of North America Insert the policy number.The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. CALIFORNIA WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT This endorsement applies only to the insurance provided by the policy because California is shown in item 3.A. of the Information Page. 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, but this waiver applies only with respect to bodily injury arising out of the operations described in the Schedule, where you are required by a written contract to obtain this waiver from us. You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. Schedule 1. (X ) Specific Waiver Name of person or organization: City of Santa Ana,and its City Council,officers,officials, employees,agents,and volunteers. Finance&Management Services Agency Accounting Division 20 Civic Center Plaza M-17 Santa Ana,CA 92701 O Blanket Waiver Any person or organization for whom the Named Insured has agreed by written contract to furnish this waiver. 2. Operations: 3. Premium: The premium charge for this endorsement shall be INCLUDED percent of the California premium developed on payroll in connection with work performed for the above person(s) or organization(s) arising out of the operations described. 4. Minimum Premium: INCLUDED S"14211-� Authorized Representative WC 90 03 75 (05/18) Docusign Envelope ID:A9565A7F-A083-4005-9BE3-54DE931 B8564 -fg DebtBook To whom it may concern, Fifth Asset, Inc. d/b/a/ DebtBook does not presently have any corporate-owned automobiles. DebtBook employees/ representatives will not be driving onto the city's' property and DebtBook employees/ representatives will not be driving representing the city as part of the DebtBook Proposal,therefore automobile liability insurance coverage requirements are not necessary. Sincerely, ba* s Date: 10/6/2025 Liam Resch Corporate Counsel &Assistant Secretary 1930 Camden Road, Suite 200, Charlotte, NC 28203 • 704.799.7600 • www.debtbook.com