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<br />TCM-POL-001 (01/19) Page 3 of 16
<br />In that case, such credit monitoring or identity monitoring product will be provided for the period of time
<br />required by law or regulation; and
<br />6. for public relations and crisis management costs directly related to mitigating harm to the Insured Entity
<br />which are approved in advance by the Insurer.
<br />B.Claim means a written demand for money, services, non-monetary relief or injunctive relief, including service of
<br />suit or arbitration proceedings made against any Insured. Only as respects Coverage B., Cyber Liability, Claim
<br />also means a request for information from, or civil proceeding against, the Insured Entity brought by a
<br />Regulatory Body directly arising from an Insured’s actual or alleged violation of any Privacy Law.
<br />Multiple Claims arising from the same or a series of related or repeated acts, errors or omissions, or from any
<br />continuing acts, errors or omissions, or from a series of related or repeated Technology/Professional Errors or
<br />Cyber Events, shall be considered a single Claim for the purposes of this Policy, regardless of the number of
<br />claimants or Insureds involved in the Claim. All such Claims shall be deemed to have been made at the time of
<br />the first such Claim .
<br />C.Claims Expenses means:
<br />1. reasonable and necessary legal fees, costs and expenses directly resulting from the investigation,
<br />adjustment, settlement and/or defense of a Claim ; and
<br />2. the premiums for appeal, attachment or similar bonds, but only for bond amounts within the applicable Limits
<br />of Liability. The Insurer does not have to furnish these bonds.
<br />Claims Expenses do not include:
<br />a. salaries, wages, fees, remuneration, overhead, benefits or expenses of an Insured;
<br />b.Damages, fines, penalties, fees, or taxes levied or assessed against an Insured;
<br />c. fees, costs, or expenses incurred by the Insured prior to the time that a Claim is made or which are paid
<br />or incurred without the Insurer’s prior written consent. These unilaterally incurred fees, costs or
<br />expenses will not be reimbursed by the Insurer and will not reduce any Deductible under the Policy; or
<br />d. the costs and expenses required to comply with any injunctive or other non-monetary, equitable,
<br />declaratory, regulatory or administrative relief, including but not limited to specific performance, or any
<br />agreement to provide such relief.
<br />D.Continuity Date means the date listed in Item 7. of the Declarations.
<br />E.Control Group means any principal, partner, corporate officer, director, general counsel (or most senior legal
<br />counsel) or risk manager of the Insured Entity and any individual in a substantially similar position.
<br />F.Cyber Event means:
<br />1. a Cyber Extortion Threat;
<br />2. an unintentional and unplanned interruption of any computer system;
<br />3. a theft, loss or Unauthorized Disclosure of Protected Information that is in the care, custody or control of
<br />an Insured or a third party for whose theft, loss or Unauthorized Disclosure of Protected Information the
<br />Insured Entity is legally responsible for;
<br />4. the storage, collection, use or disclosure of Protected Information by or on behalf of the Insured Entity that
<br />is in violation of a Privacy Law;
<br />5. the failure to notify a third party of a theft, loss or Unauthorized Disclosure of Protected Information in
<br />violation of a Privacy Law; or
<br />6. the access to, or the use of, a computer system by a person or organization that is not authorized to do so.
<br />G.Cyber Extortion Threat means a demand made against the Insured Entity for the payment of monies (including
<br />a digital currency), marketable goods or services in order to prevent or terminate the:
<br />1. disclosure of Protected Information;
<br />2. introduction of unauthorized, unwanted or harmful program, computer code or script into a computer system.
<br />An unwanted or harmful program, computer code or script includes a computer virus, Trojan horses, worms,
<br />time or logic bombs, spyware, malware, spiderware, or ransomware;
<br />3. corruption, alerting, deletion or destruction of data or software stored on a computer system;
<br />DocuSign Envelope ID: 028D978E-DF71-4D79-863D-8360D7144DD8
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