HomeMy WebLinkAbout2017-564-E Finance - Bridgepay Network Solutions, LLC to facilitate OC's online collection of permit fees DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
Products and Services Agreement
This Products and Services Agreement ("Agreement") is made as of_October 2_, 2017_
("Effective Date") by and between BridgePay Network Solutions, LLC with offices at 600
Northlake Blvd., Suite 260, Altamonte Springs, FL 32701 ("BridgePay") and Orange County,
North Carolina, a political subdivision of the State of North Carolina ("Client").
I. Definitions
"Documentation" means the operations manuals, help files and other documentation designed
to be used in conjunction with the Products and Services.
"Fees" means those fees payable to BridgePay, as set forth on the attached Exhibit A attached
hereto.
"Payment Brand" means Visa, MasterCard and any other association, payment brand, payment
instrument issuer, debit network or payment methodology or system having proprietary rights
to and clearing and oversight responsibilities with respect to any payment instrument used to
affect payment-related transactions.
"Products and Services" means the products and services described in this Agreement,
including any upgrades, modifications or improvements thereto made available to Client by
BridgePay under the terms of this Agreement.
"Provider" means the entity providing electronic payment processing services to Client
pursuant to a separate merchant processing agreement.
II. Client's Rights and Obligations
2.1 Installation, Servicing, Maintenance. In consideration of use of the Products and
Services, Client agrees to: (i) provide true, accurate, current, and complete information about
Client and Provider as requested on any registration or application form, and (ii) to maintain
and update this information to keep it true, accurate, current and complete. If any information
provided by Client is untrue, inaccurate, not current, or incomplete, BridgePay has the right to
terminate Client's access to the Products and Services and refuse any and all current or future
use of the Products and Services. Client will be responsible for the installation, servicing and
maintenance of the point-of-sale devices and related equipment at Client's facilities, and will
likewise be responsible for the connection of those devices to the Products and Services in
compliance with BridgePay's requirements.
2.2 License Grant. Subject to the terms and conditions of this Agreement, BridgePay hereby
grants to Client a limited, non-exclusive, non-transferable, revocable, royalty free right, during
the Agreement, to use the Products and Services, subject to the restrictions herein and any
other restrictions communicated by BridgePay to Client upon 30 days' notice, solely for Client's
internal use. BridgePay and its suppliers shall retain title and all ownership rights to the
Products and Services and this Agreement shall not be construed in any manner as transferring
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
any rights of ownership or license to the Products and Services or to the features or information
therein, except as specifically stated herein.
2.3 Description of Products and Services. BridgePay is providing Client with information
concerning the technical requirements for allowing the Products and Services to send and
receive electronic transaction data for authorization and/or settlement from and to Provider.
To utilize the Products and Services, Client must: (i) provide for Client's own access to the World
Wide Web and pay any fees associated with such access, and (ii) provide all equipment
necessary for Client to make such connection to the World Wide Web, including a computer,
modem and Web browser. Client will receive a password when registering. Upon approval,
that password will allow Client access to the Products and Services. Client is responsible for
maintaining the confidentiality of the password and account. Both parties agree to immediately
notify the other of any unauthorized use of Client's password or account or any other breach of
security.
2.4 Data Collection. Client is solely responsible for the security of data residing on the
servers owned, controlled or operated by Client or a third party designated by Client (e.g., a
web hosting company, Provider, or other service provider). Client will comply with all state and
federal laws and Payment Brand rules and regulations, including without limitation laws, rules
and regulations regarding disclosure to customers on how and why personal information and
financial information is collected and used. Furthermore, Client shall comply with all of
BridgePay's policies, procedures and guidelines governing the Products and Services provided
hereunder. Client agrees not to use, disclose, sell or disseminate any cardholder information
obtained in a card transaction to any third party other than to, or authorized by, BridgePay.
2.5 Compliance, Data Privacy and Security. Client agrees to comply with all Payment Brand
rules and regulations as amended from time to time. Client shall comply with all applicable
federal, state and local statutes and BridgePay required procedures and identified best
practices. Client agrees (i) not to use the Products and Services for illegal purposes; and (ii) to
comply with all applicable laws regarding the transmission of technical data exported from the
United States. Client agrees to comply with the Security Standards. For purposes of this
Agreement "Security Standards" means all security protocols, advisories, standards and
guidelines required by the Payment Brands. Client warrants that its servers and electronic
systems are secure from breach or intrusion by unauthorized third parties and will hold
BridgePay harmless for a breach of End User's systems. If there is a security breach of Client's
system and/or access to end-user data or transaction data by an unauthorized third party,
Client shall notify BridgePay promptly of such breach and shall take such precautions as may be
necessary to prevent such breaches from occurring in the future, as required by BridgePay.
2.6 Other Obligations. Client shall not alter or remove any copyright or other legal notices
contained in the Products and Services and the related Documentation. Client shall not: (A)
decompile, disassemble, reverse compile, reverse assemble, reverse translate or otherwise
reverse engineer the Products and Services; (B) circumvent any technological measure that
controls access to the Products and Services; or(C) use the Products and Services other than
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
pursuant to the terms of this Agreement. Client shall utilize its BridgePay assigned developer ID
in each application utilizing the Products and Services. Client shall have no right to (i) disclose
any BridgePay source code or Documentation to any third party, (ii) use or reproduce any
BridgePay source code or Documentation other than as permitted or contemplated by this
Agreement. No licenses are granted by BridgePay to Client by implication or estoppels to the
BridgePay source code or Documentation.
Ill. Bridge Pay's Rights and Obligations
3.1 Ownership and Use of the Products and Services. Client shall use the Products and
Services only for bona fide transactions between Client and a cardholder. Unless otherwise
specifically permitted by this Agreement, Client's use of the Products and Services shall be
restricted to a single merchant account owned and controlled by Client. Client agrees not to
submit payment data to BridgePay or otherwise process orders on behalf of any other entity or
individual. Subject to applicable law, BridgePay retains all right, title and interest in and to the
Products and Services and all related Documentation and all technology utilized under or in
connection with this Agreement, and Client shall not take any action inconsistent with such
ownership.The Products and Services, Documentation and the related Confidential Information
(defined below) may be protected by copyright, trade secret and other intellectual property
laws, all of which belongs to BridgePay. Client acknowledges that Client shall have no
intellectual property or ownership rights in the Products and Services. The restrictions in this
Agreement shall not be construed to supersede or eliminate any rights which BridgePay may
have under applicable laws pertaining to trade secrets.
3.2 Cardholder Information Security. BridgePay hereby acknowledges to Client User that
BridgePay is responsible for the security of cardholder information BridgePay possesses or
otherwise stores, processes, or transmits on behalf of Client, or to the extent that BridgePay
could impact the security of the Client's cardholder information environment. BridgePay will
maintain and comply with all applicable PCI DSS requirements.
3.3 Warranty and Disclaimers. Each party represents and warrants to the other that (a) it
has all necessary right, power and ability to execute this Agreement and to perform its
obligations therein, (b) no authorization or approval from any third party is required in
connection with such party's execution, deliver or performance of this Agreement, (c) this
Agreement constitutes a legal, valid and binding obligation, enforceable against it in accordance
with its terms, and (d) the party's obligations under this Agreement do not violate any law or
breach of any other agreement to which such party is bound. By executing this Agreement,
BridgePay represents and agrees that BridgePay is qualified to perform and fully capable of
performing and providing the services required or necessary under this Agreement in a fully
competent, professional and timely manner. BridgePay shall exercise reasonable care and
diligence in performing services under this Agreement in accordance with the highest generally
accepted standards of this type of practice throughout the United States and in accordance
with applicable federal, state and local laws and regulations applicable to the performance of
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
these services. EXCEPT AS OTHERWISE SPECIFICALLY SET FORTH IN THIS AGREEMENT, THE
PRODUCTS AND SERVICES ARE PROVIDED ON AN "AS IS," "AS AVAILABLE" BASIS WITHOUT ANY
REPRESENTATIONS OR WARRANTIES. BRIDGEPAY DOES NOT REPRESENT OR WARRANT THE
PRODUCTS AND SERVICES WILL BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY,
ACCURATE, COMPLETE OR ENTIRELY ERROR-FREE. CLIENT MAY NOT RELY ON ANY
REPRESENTATION OR WARRANTY REGARDING THE PRODUCTS AND SERVICES BY ANY THIRD
PARTY IN CONTRAVENTION OF THE FOREGOING STATEMENTS. BRIDGEPAY SPECIFICALLY
DISCLAIMS ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS WHETHER EXPRESS OR
IMPLIED, ARISING BY STATUTE, OPERATION OF LAW, USAGE OF TRADE, COURSE OF DEALING,
OR OTHERWISE, INCLUDING BUT NOT LIMITED TO, WARRANTIES OR CONDITIONS OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR TITLE
WITH RESPECT TO THE PRODUCTS AND SERVICES. CLIENT UNDERSTANDS AND AGREES THAT
BRIDGEPAY SHALL BEAR NO RISK WITH RESPECT TO CLIENT'S SALE OF ITS PRODUCTS OR
SERVICES INCLUDING, WITHOUT LIMITATION, ANY RISK ASSOCIATED WITH CREDIT CARD
FRAUD OR CHARGEBACKS. BRIDGEPAY MAKES NO WARRANTY THAT THE PRODUCTS AND
SERVICES WILL MEET CLIENT'S REQUIREMENTS, NOR DOES BRIDGEPAY MAKE ANY WARRANTY
AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE PRODUCTS AND SERVICES
OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH USE OF
THE PRODUCTS AND SERVICES.
IV. Fees
4.1 Fees. Client will pay to BridgePay on a monthly basis all Fees and other amounts owed
to BridgePay under this Agreement on or prior to 60 days from the date of receipt of an invoice
therefor. Client will promptly examine all invoices, and will notify BridgePay in writing within
30 days of any error. BridgePay reserves the right to revise the Fees from time to time upon 30
days' notice. Total fees encumbered and paid under this agreement shall not exceed $1,000
without written amendment.
V. Confidential Information
5.1 Confidential Information. Except as may be required under applicable Law, neither
party will use for any purpose other than contemplated by this Agreement, will not disclose to
any third party, and will cause its employees, independent contractors, and agents to not use or
disclose, any term of this Agreement, the Products and Services, the Documentation, and any
information learned about the business practices and ways in which either party conducts
business that is not generally known to others, including without limitation details about
BridgePay's Products and Services, any data or information that is a trade secret or
competitively sensitive such as computer software and documentation, data and data formats,
and financial information (collectively, "Confidential Information"). The party receiving
Confidential Information (the "Receiving Party") will inform the party disclosing Confidential
Information (the "Disclosing Party") of any request by a court or government agency to disclose
such Confidential Information to enable the Disclosing Party to waive the provisions of this
Section or defend the nondisclosure. All disclosure provisions are subject to N.C.G.S. Chapter
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
132, Public Records Law and BridgePay agrees to authorize Client to disclose any material which
BridgePay has designated as Confidential Information upon written request if requested by
Client pursuant to such law. This Section will survive termination of this Agreement.
5.2 Exclusions. The Receiving Party will not be obligated to maintain the confidentiality of
Confidential Information: (i) it is required to reveal in performing its obligations under this
Agreement, (ii) that is or becomes within the public domain through no act of the Receiving
Party in breach of this Agreement, (iii) was legitimately in the possession of the Receiving Party
prior to its disclosure under this Agreement, and the Receiving Party can prove that, or (iv) is
required to be disclosed by state or federal law, provided that the Receiving Party provides the
Disclosing Party with notice and an opportunity to oppose the disclosure.
VI. Term,Termination
6.1 Term. This Agreement will become effective on the Effective Date and will remain in
effect until terminated as provided herein.
6.2 Termination. Client agrees that BridgePay may terminate Client's password, account or
this Agreement (i) for cause at anytime without prior notice, or (ii) without cause upon
providing not less than ten (10) days prior written notice to Client. Client acknowledges and
agrees that any termination of access privileges to the Products and Services under any
provision of the Agreement may be effected without prior notice. BridgePay agrees that Client
may terminate this Agreement (i) for cause at any time without prior notice, or (ii) without
cause upon providing not less than thirty (30) days prior written notice to BridgePay. BridgePay
acknowledges that Client is a governmental entity, and the validity of this Agreement is based
upon the availability of public funding under the authority of its statutory mandate. In the event
that public funds are unavailable and not appropriated for the performance of Client's
obligations under this Agreement, then this Agreement shall automatically expire without
penalty to Client immediately upon written notice to BridgePay of the unavailability and non-
appropriation of public funds.
VII. Hold Harmless and Limitation of Liability
7.1 Hold Harmless. To the extent allowed under applicable law, each party agrees to hold
harmless the other party, its employees, directors, managers, members, officers or agents from
and against any liability, damage, penalty or expense (including reasonable attorneys' fees and
court costs) which may be claimed by a third party as a result of: (A) any failure by the other
party or any employee, agent, or affiliate of the party to comply with the terms of this
Agreement; (B) any warranty or representation made by the other party being false or
misleading; (C) negligence or willful misconduct of the party or its subcontractors, agents or
employees, or (D) any alleged or actual violations by the other party or its subcontractors,
employees, or agents of any Payment Brand rules, laws or regulations. This section will survive
termination of this Agreement.
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
7.2 Limitation of Liability. To the extent allowed under applicable law, the liability, if any,
of BridgePay under this Agreement for any claims, costs, damages, losses and expenses for
which it is or may be legally liable, whether arising in negligence or other tort, contract, or
otherwise, will not, subject to applicable law, exceed in the aggregate the amount of
compensation paid to BridgePay for the preceding 12 month period, measured from the date
the liability accrues. In no event will either party be liable for indirect, special, consequential,
or punitive damages even if advised of that possibility, to the extent such limitation is not
prohibited by applicable law. To the extent allowed under applicable law, neither party will
be liable to the other for any failure or delay in its performance of this Agreement in
accordance with its terms if such failure or delay arises out of causes beyond the control and
without the fault or negligence of such party.Vlll. General
8.1 Assignability. Client may not transfer, sell, or otherwise assign any of its rights under
this Agreement, either directly or by operation of law, without providing prior written notice to
BridgePay.
8.2 Notice. All communications under this Agreement will be in writing and will be
delivered in person, by email, or by nationally-recognized overnight mail courier, return receipt
requested, addressed to the addresses specified in the opening paragraph of this Agreement
and to the attention of that party's president. The parties may, from time to time, designate
different persons or addresses to which subsequent communications will be sent by sending a
notice of such designations in accordance with this Section.
8.3 Entire Understanding, Amendment. This Agreement, including the attached exhibits
which are incorporated by reference, sets forth the entire understanding of the parties relating
to its subject matter. Amendments to this Agreement must be in writing and signed by both
parties.
8.4 Severability. If any provision of this Agreement is illegal, the invalidity of such provision
will not affect any of the remaining provisions, and this Agreement will be construed as if the
illegal provision is not contained in the Agreement. This Agreement will be deemed modified to
the extent necessary to render enforceable the provisions hereunder.
8.5 No Waiver of Rights. No failure or delay on the part of any party in exercising any right
under this Agreement will operate as a waiver of that right, nor will any single or partial
exercise of any right preclude any further exercise of that right.
8.6 Successors and Assigns. This Agreement will inure to the benefit of and will be binding
upon the parties and their respective permitted successors and assigns.
8.7 Applicable Law. This Agreement will be deemed to be a contract made under the laws
of the State of North Carolina, and will be construed in accordance with the laws of North
Carolina without regard to principles of conflicts of law. The exclusive forum and venue for the
adjudication of any rights, claims or disputes arising out of or in connection with this
Agreement shall be the federal or state courts located in Orange County, North Carolina. The
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
parties specifically waive the right to a jury trial in connection with any dispute arising out of
this Agreement, or between the parties for any reason.
8.8 Independent Contractors. BridgePay and Client will be deemed to be independent
contractors and will not be considered to be agent, servant,joint venturer, or partner of the
other.
8.9 Construction. The headings used in this Agreement are inserted for convenience only
and will not affect the interpretation of any provision. All Sections mentioned in the
Agreement reference Section numbers of this Agreement. The language used will be deemed
to be the language chosen by the parties to express their mutual intent, and no rule of strict
construction will be applied against any party.
8.10 Survival. All sections that by their context are intended to survive the termination of
this Agreement will survive termination of this Agreement.
8.11 Force Majeure. In no event shall BridgePay or the Client be liable with respect to the
failure of its duties and obligations under this Agreement which is attributable to acts of God,
war, terrorism, conditions or events of nature, civil disturbances, work stoppages, equipment
failures, power failures, fire or other similar events beyond its control.
8.12 Name and Trademarks. Except as otherwise provided in this Agreement, neither party
will use the other's name or trademarks in any promotional or marketing materials without
prior written consent. Client understands and agrees that this Agreement confers, and Client
shall obtain, no other right to BridgePay's name or trademarks by virtue of such use. Client
acknowledges that BridgePay is the sole owner of its trademarks (the "Marks"), and
acknowledges that the Products and Services are a proprietary product of BridgePay.
Accordingly, Client acknowledges that ownership of all existing patents, copyrights, mask work
rights, trademarks, trade names, trade secrets and other proprietary rights relating to or
residing in Products and Services, and all copies of all or any part thereof("Intellectual
Property"), will remain with BridgePay. BridgePay may at any time and upon reasonable notice
prohibit Client from using the Marks or Intellectual Property for any reason.
8.13 Counterparts/Signatures. This Agreement may be executed in one or more
counterparts, each of which shall be deemed to be an original, and such counterparts shall
together constitute one and the same instrument. The signatures to this Agreement may be
evidenced by facsimile copies or PDF copies reflecting the party's signature, and any such
facsimile copy or PDF copy shall be sufficient to evidence the signature of such party as if it
were an original signature. All electronic signatures affixed hereto evidence the intent of the
Parties to comply with Article 11A and Article 40 of North Carolina General Statutes.
8.14 Compliance. BridgePay shall at all times remain in compliance with all applicable local,
state, and federal laws, rules, and regulations and the Orange County Anti-Discrimination
Policy. Any violation of this requirement is a breach of this Agreement and Client may
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
immediately terminate this Agreement without further obligation on part of Client. This
paragraph is not intended to limit and does not limit the definition of breach to discrimination.
By executing this Agreement BridgePay affirms that BridgePay is and shall remain in compliance
with Article 2 of Chapter 64 of the North Carolina General Statutes. By executing this
Agreement, BridgePay certifies that BridgePay has not been identified, and has not utilized the
services of any agent or subcontractor, on the list created by the State Treasurer pursuant to
G.S. 147-86.58.
BridgePNe s-whork.Solutions, LLC Orange Cop n syyneNC.
[ 501AA/Lit, kuminkt,rS(Lii
e a ooF°Psc47o
R,c� rayor °e: E mmersley Na me: Na me:
Its: CEO 10/12/2017 Its: County Manager 10/13/2017
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
Exhibit A
Products and Fees
Tyler Technologies Per Transaction Fee $0.10
Activation Fee waived
Monthly Minimum Fee waived
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
BRIDG-1 OP ID:VM
�01111 e CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDDIY
06!2912017 7
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED
REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If 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
NAME:
J.Krug &Associates, Inc. PHONE FAX
1350 W. Northwest Highway (NC,No,Ext): (AIC,No):
Mount Prospect, IL 60056-2297 E-MAIL
p ADDRESS:
Veronica Marin
INSURER(S)AFFORDING COVERAGE NAIC#
INSURERA:Hartford Insurance Company 19682
INSURED BridgePay Network INSURERS:
Solutions, LLC
600 North Lake Blvd.,#230 INSURER C.
Altamonte Springs, FL 32701 INSURERD:
INSURER E:
INSURER F:
COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD
INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS
LTR INSR WVD POLICY NUMBER (MM!DDIYYYY) (MMIDDIYYYY)
GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000
A X COMMERCIAL GENERAL LIABILITY X 83SBAIM9501 12/05/2016 12/05/2017 DAMAGE TO RENTED 1 000 000
PREMISES F(D) occurrence] $
CLAIMS-MADE X OCCUR MED EXP(Any one person) $ 10,000
PERSONAL&ADV INJURY $ 1,000,000
GENERAL AGGREGATE $ 2,000,000
GEN'L AGGREGATE LIMIT APPLIES PER PRODUCTS-COMP/OP AGG $ 2,000,000
POLICY PRO- LOC $
JECT
AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT 1,000,000
(Ea accident)
A ANY AUTO 83SBAIM9501 12/05/2016 12/05/2017 BODILY INJURY(Per person) $
ALL OWNED SCHEDULED BODILY INJURY(Per accident) $
AUTOS AUTOS
X HIRED AUTOS , NON-OWNED PROPERTY DAMAGE
AUTOS (PER ACCIDENT)
$
X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $ 4,000,000
A EXCESS LIAB CLAIMS-MADE 83SBAIM9501 12/05/2016 12/05/2017 AGGREGATE $ 4,000,000
DED X RETENTION $ 10,000 $
WORKERS COMPENSATION WC STATU- OTH-
AND EMPLOYERS'LIABILITY Y f N TORY LIMITS ER
ANY PROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $
OFFICER/MEMBER EXCLUDED? N f A
(Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $
If yes,describe under
DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $
DESCRIPTION OF OPERATIONS 1 LOCATIONS 1 VEHICLES (Attach ACORD 101,Additional Remarks Schedule,if more space is required)
Orange County, its officers, official agents and employees are added as
Additional Insured to General Liability Policy.
CERTIFICATE HOLDER CANCELLATION
ORANCO2
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
Orange County ACCORDANCE WITH THE POLICY PROVISIONS.
Attn: Risk Management
200 S. Cameron Street AUTHORIZED REPRESENTATIVE
PO Box 8181
1Hillsborough, NC 27278
®1988-2010 ACORD CORPORATION. All rights reserved.
ACORD 25(2010105) The ACORD name and logo are registered marks of ACORD
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
Insurance Office of America
ASSIGNED POLICY NUMBER 01-602-95-06
THIS IS TO CERTIFY that we have procured insurance subject to all terms and conditions herein stated, from the
Insurer(s) listed below:
CERTIFICATE PERIOD: From 12:01 A.M. 6/30/2017 To 7/30/2017
POLICY PERIOD: From 12:01 A.M. 6/30/2017 To 6/30/2018
Policy wording is subject in all respects to the terms, conditions and limitations of the policy in current use by the
Insurer(s) listed, unless otherwise specified:
INSURER(S): Illinois National Insurance Company
NAME OF INSURED: Bridgepay Network Solutions, LLC
LOCATION/ADDRESS: 600 Northlake Blvd Suite 210
Altamonte Springs, FL 32701
PREMIUM: $29,406.00
SUBJECT TO RECEIPT, REVIEW AND ACCEPTANCE OF THE FOLLOWING:
• Premium is due within 20 days from inception date or policy may be cancelled by the insurer.
THIS BINDER CANNOT BE CANCELED FLAT. In the event of cancellation of this policy the Insurer(s)shall be
entitled to an earned premium for the time in force(a)a short rate of the annual premium if canceled by the Insured,
or(b)at pro rata of the annual premium if canceled by the Insurer(s). If the Binder of Insurance is subject to a
MINIMUM RETAINED PREMIUM and is canceled by the Insured, the greater of the minimum retained premium or
the short rate premium shall apply.
This insurance is subject to all of the terms and conditions of the Policy to be issued. The Binder of Insurance shall
automatically be terminated and voided by the delivery of the Policy to the Insured or their representative.
Please be aware that if there is:
a) any material change in the information provided; or
b) any claim made by or against any insured or any notice of potential claim,
occurrence, circumstance or wrongful act given under the expiring policy (if
applicable); or
c) any material change in the hazard or risk contemplated,
Socius Insurance Services, Inc. must be advised immediately and quote, indication or
binder provided may be rescinded or amended.
Dated on June 30, 2017
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
Illinois National Insurance Company
600 Northpark Town Center
1200 Abernathy Road, N.E. .' w dtiti
Atlanta, GA 30328-2594 b
(770) 671-2000 u,u Iil
BINDER OF INSURANCE CONFIRMATION LETTER
June 30, 2017
ERIC SHAPIRO
SOCIUS INSURANCE SERVICES, INC.
1408 NORTH WESTSHORE BLVD. SUITE 611
TAMPA, FL 33607-
RE: BRIDGEPAY NETWORKS SOLUTIONS
SPECIALTY RISK PROTECTOR
Name of Insurance Carrier: ILLINOIS NATIONAL INSURANCE COMPANY
Address of Insurance Carrier: 175 WATER STREET, NEW YORK, NY, 10038
Tab#: 1615588, Submission #: 348295774
Policy#: 01-602-95-06
Replacement of Policy # 01-584-45-79
Policy Period Effective Date From: 06/30/2017 To 06/30/2018
Dear Eric:
On behalf of Illinois National Insurance Company (hereinafter "Insurer"), I am pleased to
confirm the binding of coverage in accordance with our agreement as set forth below and
subject to the conditions set forth herein. Please review said Binder for accuracy and
contact the Insurer 'rior to the effective date of policy coverage of any inaccuracy(ies)
found within the issued Binder. If the Insurer does not hear from you prior to the effective
date of policy coverage it will be understood that the Binder has been accepted as an
accurate description of the agreed upon terms of coverage.
***IMPORTANT POLICY ISSUANCE VERIFICATION***
A policy will be issued with the name and address of the Insured exactly as referenced in
the "Policy Information" Section of this Binder. If this information is inaccurate, please
advise us immediately.
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
POLICY INFORMATION
INSURED: BRIDGEPAY NETWORKS SOLUTIONS
INSURED'S ADDRESS: 600 NORTHLAKE BLVD SUITE 210
ALTAMONTE SPRINGS, FL 32701
TYPE OF POLICY: SPECIALTY RISK PROTECTOR
BASIC FORM: 101013 (12/13)
INSURANCE COMPANY: Illinois National Insurance Company
POLICY NUMBER: 01-602-95-06
EFFECTIVE DATE: 06/30/2017 EXPIRATION DATE: 06/30/2018
LIMIT OF LIABILITY: $1,000,000
COVERAGE SUMMARY
COVERAGE SECTION SUBLIMIT OF RETENTION RETROACTIVE CONTINUITY DATE
LIABILITY DATE
SPL Specialty $1,000,000 $25,000 06/30/2012 06/30/2012 f
Professional
Liability
Insurance
MC Media Content $1,000,000 $25,000 06/30/2012 06/30/2012 Po
Insurance
S&P Security and $1,000,000 $25,000 06/30/2012 06/30/2012
Privacy Liability
Insurance
Regulatory $1,000,000
Action Sublimit
of Liability
NI Network $1,000,000 $25,000 Not Applicable 06/30/2012
Interruption
Insurance
Waiting Hours
Period hours
EM Event $1,000,000 $25,000 Not Applicable 06/30/2012 f
Management
Insurance
CE Cyber Extortion $1,000,000 $25,000 Not Applicable 06/30/2012 f
Insurance
RG Reputation $50,000 $0 Not Applicable 06/30/2012
Guard
I Coinsurance 01 %
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
OTHER TERMS: Per Insurer Quote/Indication Letter dated 06/20/2017 except as
indicated below.
PREMIUM: $29,406
Important Conditions Of Binder: See Below
Premium for Certified Acts of Terrorism Coverage under Terrorism Risk Insurance Act, as
amended (TRIA): $143 included in policy premium. Any coverage provided for losses
caused by an act of terrorism as defined by TRIA (TRIA Losses) may be partially
reimbursed by the United States under a formula established by TRIA as follows: 83% of
TRIA Losses in excess of the insurer deductible mandated by TRIA, the deductible to be
based on a percentage of the insurer's direct earned premiums for the year preceding the
act of terrorism.
The following will be added to the basic policy:
# Form # Ed Dt Title
1 101013 12/13 SRP GENERAL TERMS AND CONDITIONS (COUNTRYWIDE)
(12/13)
E 101025 12/13 SPL COVERAGE SECTION (12/13)
3 115982 12/13 SRP REPUTATIONGUARD COVERAGE SECTION
4 101017 12/13 CYBER EXTORTION COVERAGE SECTION (12/13)
5 101018 12/13 EVENT MANAGEMENT COVERAGE SECTION (12/13)
6 101024 12/13 SECURITY AND PRIVACY COVERAGE SECTION (12/13)
7 101021 12/13 NETWORK INTERRUPTION COVERAGE SECTION (12/13)
8 101019 12/13 MEDIA CONTENT COVERAGE SECTION (CLAIMS MADE) (12/13)
ENDORSEMENTS
The following endorsements will be added to the basic policy:
# Form # Ed Dt Title
III78859 10/01 FORMS INDEX ENDORSEMENT
99758 08/08 NOTICE OF CLAIM (REPORTING BY E-MAIL)
Bill 113417 11/14 FLORIDA AMENDATORY ENDORSEMENT
4 76105 06/15 FLORIDA CANCELLATION/NONRENEWAL ENDORSEMENT
5 119679 09/15 ECONOMIC SANCTIONS ENDORSEMENT
6 103518 11/09 MISCELLANEOUS PROFESSIONAL SERVICES ENDORSEMENT
Credit card funneling
7 125593 03/17 CYBEREDGE LOSS PREVENTION SERVICES ENDORSEMENT
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
8 103456 11/09 NOTICE OF CLAIM PROVISION AMENDATORY ENDORSEMENT
(SIXTY DAY POST POLICY REPORTING PERIOD)
9 105567 05/10 CRIMINAL REWARD COVERAGE EXTENSION
10 107376 11/10 E-DISCOVERY CONSULTANT SERVICES COVERAGE
ENDORSEMENT
11 115987 12/13 PCI-DSS ASSESSMENT COVERAGE ENDORSEMENT
$1,000,000
12 110642 02/12 COMPANY DEFINITION AMENDATORY ENDORSEMENT
13 , 105167 04/10 RELIANCE UPON OTHER CARRIERS APPLICATION
14 121388 03/16 BITCOIN RANSOM COVERAGE ENDORSEMENT
15 113418 01/13 CANCELLATION PROVISION AMENDATORY ENDORSEMENT -
STATE OF FLORIDA
90 Days
16 103452 11/09 CHOICE OF PANEL COUNSEL ENDORSEMENT
17 111375 07/12 CONDUCT EXCLUSION AMENDATORY ENDORSEMENT
18 115991 12/13 CONTINUITY DATE EXCLUSION AMENDATORY
ENDORSEMENT NONADMINISTRATIVE PERSONNEL IN
OFFICES OF THE CONTROL GROUP
19 118108 08/14 DISPUTE RESOLUTION PROCESS PROVISION AMENDATORY
ENDORSEMENT
(60 DAY COOLING OFF)
20 115994 12/13 FIRST RESPONSE COVERAGE ENDORSEMENT (NO RETENTION
APPLICABLE)
$5OK Sublimit
Legal:
Mullen Coughlin - Breach Hotline: 844.885.1574
breachhotline@mullen
Forensics:
K2 Intelligence - Austin Berglas (917) 243-7396
aber clas@k2inteili ;ence.corn
PR:
Levick Communications - Michael Rubin (202) 808-3507
mrubin@levick.
21 117179 12/13 PERSONAL IDENTITY COVERAGE ENDORSEMENT (COVERAGE
FOR EMPLOYEES)
$25,000
22 105565 05/10 RETENTION AMENDATORY ENDORSEMENT
23 118107 08/14 RETENTION AMENDATORY ENDORSEMENT (RECOGNIZE
EROSION BY PREAPPROVED NON-SUIT DEFENSE COSTS)
24 115989 12/13 SECURITY FAILURE DEFINITION AMENDATORY
ENDORSEMENT (PHYSICAL THEFT OF HARDWARE)
25 122081 06/16 SECURITY FAILURE DEFINITION AMENDATORY
ENDORSEMENT
26 105165 04/10 STATE AMENDATORY INCONSISTENT ENDORSEMENT
27 101641 12/13 SUBSIDIARY THRESHOLD AMENDATORY ENDORSEMENT
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
CONDITIONS OF BINDER
When signed by the Insurer, the coverage described above is in effect from 12:01 AM of
the Effective Date listed above to 12:01 AM of the Expiration Date listed above, pursuant
to the terms, conditions and exclusions of the policy form listed above, any policy
endorsements described above, and any modifications of such terms as described in this
Binder section.Unless otherwise indicated, this Binder may be canceled prior to the
Effective Date by the Insured, or by the Broker on the behalf of the Insured, by written
notice to the Insurer or by the surrender of this Binder stating when thereafter such
cancellation shall be effective. Unless otherwise indicated, this Binder may be canceled by
the Insurer prior to the Effective Date by sending written notice to the Insured at the
address shown above stating when, not less than thirty days thereafter, such cancellation
shall be effective. Unless otherwise indicated, this Binder may be canceled by the Insurer
or by the Insured on or after the Effective Date in the same manner and upon the same
terms and conditions applicable to cancellation of the policy form listed above.lssuance by
the Insurer and acceptance by or on the behalf of the Insured of the policy shall render this
Binder void except as indicated below.
A condition precedent to coverage afforded by this Binder is that no material change in the
risk occurs and no submission is made to the Insurer of a claim or circumstances that
might give rise to a claim between the date of this Binder indicated above and the
Effective Date.
Please note this Binder contains only a general description of coverages provided. For a
detailed description of the terms of a policy you must refer to the policy itself and the
endorsements bound herein.
We appreciate your business and hope that we can be of further service to you in the
future.
Sincerely,
11(,'0„.„,,,..:,/
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
Julie Tarosky
Underwriter
Executive Liability
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
Dear Insured:
Congratulations on purchasing CyberEdge®. We look forward to providing your
company with the insurance coverage and access to tools that will help you to prepare
for, prevent, and control cyber risk.
As an eligible CyberEdge policyholder, you have access to the value-added loss-control
services, CyberEdge RiskTool, AutoShun®, and an IBM infrastructure vulnerability scan.
Together, the custom portal, hardware device and IBM vulnerability scan can help your
organization stay ahead of the curve by managing and automating risk mitigation.
• CyberEdge RiskTool, provided by RiskAnalytics, a leader in cyber-risk
management, is a web-based platform that helps to streamline the risk
management process. The platform's content is highly customizable and can be
tailored specifically to meet a number of risk management needs. With security
best-practices, pre-populated training modules and more, CyberEdge RiskTool
can assist in a compliance initiative, educating employees on regulatory
requirements, or training staff on security protocols to help prevent human error
from causing a future breach.
• AutoShun®, provided by RiskAnalytics, is a simple proactive way of improving
your company's security through a hardware device. Operating in real-time,
AutoShun stops an attack by blocking inbound and outbound communication with
known "bad" IP addresses, thus keeping them out of your network. The device
then sends the attack information to the accompanying CyberEdge RiskTool
account where the dashboard updates in real-time and outlines the known "bad"
IP addresses that have been shunned.
• The IBM vulnerability scan is a remote search of the Named Entity's web-facing
external infrastructure, including up to 49 public-facing IP addresses. The scan
identifies and prioritizes potential vulnerabilities that could be exploited by a
remote hacker and provides the Named Entity with a report which identifies
threats and suggests responses.
These tools are available, at no additional cost, to eligible CyberEdge policyholders. Go
to wwvv.aiq.com/cyberedgeregistration to register and enter your contact information
and policy number. A representative from Risk Analytics will contact you within five
business days with additional instructions.
Your decision to purchase coverage through AIG has provided your organization with
powerful advantages in managing your business. We thank you for choosing AIG and
look forward to a continuing successful relationship. If you have any questions or would
like additional information, please contact your broker, an AIG representative or email
us at mailto:Cyber dqeaaiq.com.
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
Sincerely,
Greg Vernaci
Head of Cyber, US & Canada
Gre*.Vernaa . ai'.corn
INSERT DISCLAIMER. All products are written by insurance company subsidiaries or affiliates of AIG.Coverage may not be
available in all jurisdictions and is subject to actual policy language. Non-insurance products and services may be provided by
independent third parties. Certain coverage may be provided by a surplus lines insurer. Surplus lines insurers do not generally
participate in state guaranty funds and insureds are therefore not protected by such funds.
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
t
ti ' fi *4 r + 4 4/
11�� ' :_,r�� �rl �ry ''
r y�,, 1n T
AiLIW ., t t NNI iiiii d 111
T11 utitititio A I IIIIIIIII III
MME
MIN
`"b 'ski
.
, �
. _ omll i , ,;lra
, ill,r,,,,, 1,
,.,.1„
,., is,.. .
,,,,,,t,
:.
.,
,/,/,;1,,,z, � r
e 911 �
b
e. III I :
I
, s r
I�I ycer�d ge`
,, lIO I I 1 1 1u1 I l 11 I Irogi�I O I I Is a lm ��
VI iI I ihiVll l!10 i III,I'III IIdu kl•IlII01 „WW f d t0-efld risk
d°
uuu uuu � fllll1il uWU lire stay ahead o€the a or °�ul I :
II����I�III li I�� l I ul„I�II a iu�IIVI a ql I11,1u u�II II�.�I„�ge he I ps clients e ri is p u e I��I�u�.l�m ii[
4
i
t ,4 ,
uuu p11,,.11 ul I5lp11!air1st sensitive data breaches,
P IpIIIIIiII"'I ul )p10 e or ian 1l1 more.
Ij
.
Alm m r
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
1111111' T''''''''
.,..?,,d,lo.,J.,.?r,,d,lo.,J.,.?,',.olo.w.?,',.olo.w.?,',.olo.w.?,',.,
H: l'"'IllI11:"H'Ill'ILII:).1 11 el .110S K HIIH I AUL ll-k il I i I )1101U I III! 111
,:.
Ateitirinicatorovertig0... ... eroisohkapioltitiorittiotrt....
laddsPorly Loss M 24/7 Corldentrer
Or mock fr'),o(ol,CI'f„'',"'"I RUM'rf a I TF[or' nee 11 d 1 iiiii kerstAtIng Fram a Nn" 1-877.190-12 59
Security or 104311Y5 BPDOCh pcd ii,,,,„gm
*nisi y re ep AI leo ts sar. Dane I'd and r DIrecr First-Party
IF i C mak anon Solutions. tr, Rosi,c eF R din , 4 Legd and
itttit • i t't e4P°g g
IT' to a Breach Forerisics Services
rElyuanserresuniend
, ,„ IT Seairily hod Income and
IIIIPie Assessing,services TA,, Opernene 1Froonsc 7I;,,r1 N ofiliodion„C,reclis,
FRI' v,,,,,,,,,,r,s4 by mvis arra letandion From a tor. end ID Mconnenrop
Secretly,er Daell Breach
Ithotors to Disciore A Crisis
0 r
IiI7::;71 Consultation so Digo or Attack la 40 Commustlearixe
Tea I111 s s ', ,
!Erdal ot Emdri Monty V Experts
Prancirse ,,,,, Online Deforidian sdvi Oyer TS Years
"t IF Sheering Sundaes RigiPri and CopyrIaad gip 1,5aurca N99)
IFFIFIIII Trademark Ingingemem l',,Z1VT,r ExperkINVA 11.11Undkng
tra RiffifillAftgaVOICS Cyber-EnIree d ad Rd
,IIMIlip,m0R0 liwoolpqr,pppRiiiii7419#19proproproproppropropproproprivroproproprorivrivropprforivproprivroprivroprivroprivroprivroprivrivroprivroprivroprivroprivroprivriv f,1,,I,,I,,I,,11,i.
111191,1,11,1,1,11,1,1,11,1,1,11,1,1,11,1,1,11,,,I,
The pRenthojene the Cy.,IrEdde provides,r,in'414,1;16119°MEM an d!layer TG 1.14 Imot ir power Env hoe rd
ID to,1 SI (31' I'00 I 1 HO 1 IjIIIIIgi
11 IL,1,111a debase,apaIroi yy her Ohne:de—a c ad Inert y's own IT raven Car Morally mardnarra like cybor landscape,wo
keno Insureds,ial eon fornand of the'Indira ry as cybej 165 Ilf.l.,...0111W1Ue..Io endear Our n raven Iodine sod 5 provide
our ellienth with thin knowtheeke,rethinking,meneenity iond comeathe Women to help That stay ahead,oII the
toot in CAI r Ildtaoch rosellei ion tocia prorodas re,sperrave guidance honed on yea w s ot ex peewee@
Cededeidge Me kthe App keth dthenkred, [Pude ewe Aredereekk Inthentheekedthe kileenderatelide enddesdenke, , ithdri
rh,,,,c':,,,,Ho 1,1,,:life,,I,A nu,li,,,,,,,,,,,,,,pri,cr,Ilterom nio,aloe cobra Idoccril isionnerecom envoy qr./dr Ideallined alletnis sorodyst I oftrairin,NehlYrP nalloonahlaIty Imandolny pC,WIN■Wid by
he Fed war Ileoporge II s oohed et srorroged Scaierey Self",,V,,O,caoalbreny Im
'kende red,glen keen:keel,i'ln In,ie le e le MI I'll'e-ni nkkk,n,k Ind end'1'f,'VA'coal ether the the earetheeneenelek sceennthe ken celethe,oveleklfockeu tediennall lietheseethere,4relenilli
I,[Mon'IlihrossoF rod Arairool,"
in LI Oa I In to Itionaty pearneird,miloserallinniies titol cowed Ian,exalloand III a rennoto
hacker VI Gli Illedelerceq
PP 1,1h1),11,11,11,1:1111:1
J'141111111:1011 '''
1,1,1111gys,", ,
Defile Bhecch Thread,Aomp,th$01,3y5 boyeada Erne drooled Pio sot/fry In odretien,the alitosesociern vollnerrondry!Arians op tervira,
'Ill'Il1101III . r' ,I Is k • IF I a -II' 1'"• A
d MI I Cr..■■ :,in Euro Ilse,II or isc.am, „imams.R "' 0 Y,IVEICIIR■11111X,61::111N„ad SI:CIIIIIIITIll'U 01111,1:d:1011,11M,01:11 d',01,':4,1 MED 0':1■11'j■I':1116,,,TP hi+131,01::'1"1 I'Iiiii',',i
lijilliffill P
I 2r..:2=1,,,, d , , . ,, _,, . ., ., n ,, nen neelkell'ine,Ilth:rnen:II kelnethell thewneilk lielleekkencenke
iiiw,01,1, k reberlEth ye ithonleokrth 1'1N:1m/tenth 114.011thatileek„ond y'w,
111,11.1.11.11,1,1.'!1:1!IIIIIIIIIIIIIIIII pi ca I hale uege:or,otanylE04.111mInarf,'IN'Mire IlDrAreEttorkpi,ss,crom,o,,r
1:„1:,:chlimIcr/h,In„ylluendiAllChy::::11elhch ::::::::, -
,,
Until" 111:0:::y C hone 1:::0:„el ITelier Ocaii
,II4 VOI YI , 4,Iros,',, 1 i
°al I . Shorn'IPW'Pll or,nrodl s oar.;'[I 1:1'0,1' underoond mod for no 4101 11,11111V 11 i
in the riDa Boa tor Hort o 1:o:IiIpo!,
0.1.1.1.1.1.1sdi IiiiI1111111 1 ' Tomo 6:,,,,,,,,,10,,,,,),1,',,,;,f r,;■'0,1C1f,, * r"f%/,'Pr',/,'A',''',,Y,,flPfe'CII:SirC,V4,`10 , ,.,,,,,,,,,,,,,,,,,„,,,,,„,„,,,,,,,,„,,,,,,,,,,,
--- o..,..'.w. ,'',,,..', . ',..).:Iii.Jr%W,'■,,1,,(i VI[,,,IJ,,,',,'' r,%,',''■
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
lit lit Hk 11111 IN)1,„1 id
!.1, 1 ° 01)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1)1'I'lliiiiiiiii:I'lit MII ° li``) 1
Cy6eirEr:!1#11e,Ikl,,,i,lerog,),I. jr,'„,!",",11:1,i;ii,5„,1 Praoidtm Sloth intuit Sertects t it! t
"
ibibilit so Pennies
isfyiestFE111:011!kill1::"1001,DU I!ih'Ifj:1:1E,',W01:::1,-b:::6!':,1:::[phalli catch to sts i issits his
lintest,y be n 1:!:tousiticeinto lee t holt en eni spottene rot et ra fie hi putriseed ciiiiiii,pin 1,000.0;
'bhp eta Cleric s conotini fis harshly rienronikorithe inuell ridge istrieSperters dist orsitatin mud thy se bumf 1:i
„,„,„„,,„„„„„„t,„ "" odd,:to!est,yietirsoitini kites liroon it ine hog and esaini
tyysi Itiou italicised usecificaliti t
it ors sines so sickbeir el!yisio '' st„..0.000,„„„ty„ ,„
roc respetirethe royecis, ':is is - i- -iii Sitfliffithifiliii "" no iii Patiourivit rusistorit tint unitioss ittO if 110,0111."1!::'g:::11;:r
,,,,,., „,„,„ „, 1:!!1:Cibll,1:!:On kaj"i:gY 13 PriClled Orli 11',C CIAN'1!".,"4 SNI:J1"1 nSi:f
* SC,V7 Hid Roc sides Yost tineelline ei shiers yes it "" thrspitto sou scent kis reolteisto sr opientsistore a roof frociti
deg nai so i to xi con rotonesse 0 oft in,en!'y fo seuryinni „„,g, -ivy sits hyty,,,,,,0 ilitstoistriegers ostrili youtticie fiereillind insureds synth the
leitilicitheturi,uttlincto klithallo litsousin suite!Lricithincii etc- eon-- fibiliZtiell ,„, chit o oistossu tints cloud services otinelitit tit nipeconc,et
khan this ontyreceringi sushi yo cynic prio siert roessont o Of, y„..,„0„,,,,,,,, ItY, Pettif best kis sty Oreuth yet's seeds rani nebytherk sisectris
is treining,liesiliuder thietionthate d lithinling cositisth s„„,„„,,,,,„,
in of'Pi ito stuth is n 0 nil cis a ii:lotto thee st st rig is ei ofit
rite st troy tot rostainyeis or Yining rind crotosoeness soils oisin „,,,,,,t,„„,„„„,„„„i,„„, „„
chilitio chl o trissisi „„,...,„„000 „„
thaticts lessthrties Clot coin the so cceysid or onothrierti luttoth""'"
, .,„ sititillillIVIIII i
osii OS eso iiii It comitu 0 ityfi n ve sts IIII xis oit 1:61 IrP:Adk.:?Hi■ ,,,,,,,„„,„„„,„„„„,
111101.11gr
1:!!11::111'1:::1.1:1I11:::,he 1,,Frk::),C;IChall 1::):17td t1:3111kel:::1.lk:::1 0111,31,00YIR0111 L'i,,,'?,,,,,,Lci„i „
DIr 0"111,3-Pr.,1'11,Y Yer,1:::h5.111,IND'cortifin so:theists churl „,„„„ilifitstficifilic i
°III'S!, hies ssiiipigifithist iris
score noel opth se, ,p, peet t "' iii ititilliffilifikaffillef th
'hi II IIIIIIIihkiliffififi bilis 0'. i IIIlti IIIIIIiIIIIIIII it'
issitatiess -
!!!,!,Iiii!lOill,1.01iiigifolitittill:114,,r:Imill'i:1111,11,!siolliill;II:l',..„19",,,,,06.67,:,,,,,,f..„
1 Iii)1\A\\I\\\\\\\\‘%1\tS'A'!\'!\'WIWI\\\\IWIWIWIWIWIWI\AW\M\\\!\\\\\\
It)a 1:::).niciederthad oilli Ithi Urns blithertillo obi Et ittlillthif%ft nice'
lithe CylberlEdge Breach Ilfesothokin lercrrr rat causally to:cassist insureds or soon:
On%ahey seseeri ra pcientrol nehivork limeade.Olio Iltheoda is ciscoethed ory raccuot ,
. Since introduciong clearer I icitail Oily insurance two 1999,iwe hove helped
iinsureds wit be connected with faits ChyberiEdgty BretCK:h Resolution Teary)throb
thousands of corropanies prod more olista ro[overly million inskvidunik respond
ovith 0 5 years'siciroh of extperience in handling cyber-specific darocts,I usiorreds
so cu cyber ioltorack
tease access leo on[PM seeprocreect hotline rot IT priftessionolls,to consult pin
. Tic breadth of Off dans thritenrory«ersans that the ore run lquety positioned
idethoifyrng Ifey indical or of o breach: Backed by the streingiu cif our exilensive
!if".idethilke:cond anoicthrthe COG no srends ond settlement values
vendor nenuoric,otitis Cybarksige Breech loiesolukon Team provides the
oddifioinout koyer of support on II deparimeni'needs tat face a c yber iragack. s On overage,Icons claims specinletts hove mom on sevevyeoth of Orodestry
experience bundling the most rieunthELX first pushy fend'°bird-party cybinridiriiffiS.
.11111e 11:Y berEdge,BreCChi hi esciturlion leraml Prcyv ir,i4Br,,r
Rapid•upporf When Needeff the Macf
si Our thorn h or 1000 presents cc supported by 4ohal rbeourc est
. This ististthipre follows our experts to!manage unfoiding cc' 0.and quickly
respond to inquiries Mil 011111111111111III
• iCtairrois seestailisos have 61.3 author i!ly oto prom pity cootie deciSknIc onet rapidly Pitt Peet to Ilii.et p orl.o BrII!!!,,,c3c h?
asittosil diem h MAIO:May base peso faced cc breach
IC cull I o u r Cy be r E d 5113
.„„
liong-Estobl heed Export Vendor Network, Brae a r,".k R e so ii„fli 0111"re cii m at
is IBM curd OUF expert nerwadi of leg sof firms,Forensic invesougrosions pubic
relations 1111111S,told more ithlfer ithrriediate seoparo for our Orosore:is Ion iop a lIolo
IIIIIIIIIIIIIIIIIII Ilifinflif'
icyber oftocit anytime rind anywhere„
• "Men a breach even occurs,time ii!5 of the essence eloping as response pirun
Or iprior'with(access la thed parry resources',AO isellp iyou efficiently nod
GAsisidefientivistiy responci occ rind recover from so breach
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
..................... ✓Jlirrirrriri viiiiii�i'i�J �rrrrrr:%rr * iirriirir�jirrrr'j�................................................................................................................................................................................_;
'rt
�III IIIIIIIIII II it/
Key Coverage Advantages
s 24/7 access to our call center for claim repaiiieg and guidance now
supported by RIM �Ill,IIIIIIIIIIIIIIIl security and privacy ifablfley in sur owe carvers third-party claw
V/ m ;i!nee point of entry to report,acknowledge,and pre;esa claims In a €!"• arising from a failure of the ins reef`s network security a'¢t a failure to protect
iendyfersbuon. data Insurance also responds to regulatory actions in connection with a
0 '';.•:ear to our local clams specialists on the ground Ground the world �""city failure,privacy brew h,or the failure far disclose a security failure or
Pre entary are hour con rultat'uanwitha breach couch and aaeesto cybreach
response teen ra prepare far acyf er attack. Event rnonagenrent Insurance responds to a security failure or privacy
a panel of domestic and interneeinnal attorneys with local breach by paying costs of notiFcatians,public rddationti,and other services
r In tiondiirtg cybae claime. to assist in rmataarllim g and nntigoPing a aryIse:r nta;idmmnl Forensic in've,rtgotion.n,
I eRrak Hub,pestered by NetDfYdence�'containing tools arc] i constul'tations.and identity monitoring cost's For victims of a breach are
vendor in, I ',un to nriwlrnze the effects of a breeds. ••°.•acl!uded
Network immmttiar_mss latterroprion responds to o material interruption
f=1' of an insured's business operations caused by a network security failure by
.- reimbursing for resulting lost income and operating expenses
irlte, „,,,,,, Cykrer extortion insuraw^Ire's responds to the threat of intentional security
Kihr,,
attacks against a company by an outsider attempting to extort money
i ss a;ities,or other valuables This includes morrie a paid to end the threat
DU the cost of an investigation to determine the cause of the threat.
dlllll Il�liiim III Cybl w mmwll+m'��ill'0 insurance addresses the liability faced by companies that
distribute media content via their website.Coverage provided for numerous
perils including copyright Infringement,trademark Infringement,defamation,
and invasion of privacy.
itl r'tl1
-
II
a
psp, r
a
111111o,„ ,y
• iii
v
Y
w
r r t . of/�/,
III” fr
:.„ III M .. x•
A 1f I ..
rte.,..- -r',„. '- ,..
II 4` n
III ` i 1
r I lull Y_
—volorci v Y'
l
u
4 H.
.a. I/ rl' E" a
DocuSign Envelope ID:2A1FF9C3-5E84-4494-AE50-59EAC650084E
,v,1,11111,1,1,1,111.1,1,1,1,11111,1,1,1,111111,1,1,1,11.1,1,1,1,1,11.1,1,1,1,11.1,1,1,1,111111,1,1,1,11.1,1,1,1,1,11.1,1,1,1,11.1,1,1,1,1,11111,1,1,1,11.1,1,1,1,1,11.1,1,1,1,11.1,1,1,1,1,11111,1,1,1,11.1,1,1,1,1,11.1,1,1,1,11.1,1,1,1,1,11111,1,1,1,11.1,1,1,1,1,11.1,1,1,1,11.1,1,1,1,1,11111,1,1,1,11.1,1,1,1,1,11.1,1,1,1,11.1,1,1,1,11.1,1,1,1,11.1,1,1,1,11.1,1,1,1,11.1,1,1,1,11.1,1,1,1,11.1,1,1,1
1 1111IffIliT,1,1,1c1,,1,1,1u,v,p1,1,1111,1,11,1,1,1,1,v,,v,1,11111,1,1,1,111111,1,1,1,11111,1,1,1,111111,1,1,1,1,1111,1,1,1,111111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11.1,1,1,1,111111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11111,1,1,1,111111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11111,1,1,1,111111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11111,1,1,1,111111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11111,1,1,1,111111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11111,1,1,1,111111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11111,1,1,1,111111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11111,1,1,1,111111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11111,1,1,1,111111,1,1,1,11.1,1,1,1,1,11111,1,1,1,11111,1,1,1,111111,1,1,1,11.1,1,1,1,1,11.1,1,1,1,11.1,1,1,1,1,11111,1,1,1,11.1,1,1,1,1,11.1,1,1,1,11.1,1,1,1,1,11111,1,1,1,11.1,1,1,1,1,11.1,1,1,1,11.1,1,1,1,1,11111,1,1,1,11.1,1,1,1,1,11.1,1,1,1,11.1,1,1,1,1,11111
11'1'""11 11
ol i I ), 111L1111
Through our,rilloll..)Iall s,e„,r,r,ce Fill,r;wiorm Pampoli.it povvere,d II:Yy,i,%113 Mull
o llrienits ar,c,preavlided orl.elirmllernl'orkti s,,.,,,lotrirlle,m,,,p,,,,cry ilo Pay alhead r.,,V„
rassperli meG(is,l,„se,ourlirg rli,■B ne,„,-, ry proireor'for.•?. p
oi c'yb,r,,,r rvi,.+k Add 110.ne experPG*8 01.of.ur tca.,,crA:111E:10-0111.ns.rov1.11,0,hove 11111e know,..11.orovi 1111't
r.troil,md 11.he voodd PP sirir.nplle as posi:Ile
til,e,pll,riices v,04.1ei.e,,,,,D,11 dO 11:1.J11511:11eY,5,.Coun[i on lillrile CylE:aese 11i.erle,11 Ill',.es,rAidilog.r ,
A,c,d,ieul, receives or.le r..,rc,,.r„,osul ,,plui'lllirlig dile Ile„.rrns,of Iii'f5„g oli:r,,,ral cr,,,,it,,er
Team rl'„,..„kr rew,c.un,s1.,,),,e[g■„rid,r,u.r,,r.e arid En,■;iiisliElnce services I'llrrtuu fullllowk i.le 511.1■1111 Our
e nd4,0„„erNd r-1,,,11(,rir,lortio,gell.ren.p yAl..Tkon GI rf,''.,arwk,,,,s,rto 1,.:4rders Prol.,:u.orra„ ncllii,dl.,,g'srhe wodldwl,de ji..',.■o ,,,,-.„-y and in u.equested 11■,!.,,c.,olly
odrir.liil!ried plroci■VhS
l'3„,61'1'1!■.„r„l',r1P,1„,..,,k,,,,,)r,,,:',1(riper.,i1,,?,,,,,tr,:.‘„1,re 11'1:,11ficji,r,,,.;.nt(:;101',;',1,,i,'3,11 1:4',(:,,tf„,■.,,,r,',;',11„,c,"1
T.I'Pe otili111:i,ne,r.: covereige iy,,''r,,,1-c,„I',,I,J,d 1„",(nl,11 „,),(;',I,',,,,.e
ol$,inipl•o,elife,,..,Tii,me ii.n,ky,r„unN PC,,air.,let-:p,..,fRlin,g g',,olboll adrogridloges,
, „k„I',,11,-)11,,;,1„11'',ulu I,','„),,,,t'll,p'',,,)11,,,il,'$,'„),I-■„,„i,,o,,,,,)e,,,'I st'ln,',,i,)1,1„,iyll,,,',1„Ji 1.1,-,r,:',1al,i,:',)1"'1"■,',,o,),,,,,,,',t7r,',-,„,,,,)n,„
11'1,„,,,,,,),,,,!,:J1',',:i 1,,,',„,c,t,,J1 l',:;,ol.i.,'„?1w,,,„,,,.,)1",i,i'C;;,,::;)111,1j In,'„'„.r,;(„,,,:„",,,P f;',4■`,"),1"1C0%,,f'1,,,,■11'1 1 f';',!■4:;',0 1 l'eg1„11,',7/,r1,,,',',Jn,,,„,
. 4',„„:',,',",r,„4,,ir,11-,1n,Illn:1 K n r',n1,',[',,r,1,-1„,i.",„•(,','f'",,I,,,,1"11 l','I 11'1,%,,j,nr,,,,,1111)rf'1,C 11,i),11:'')'■,',R.,l'1'ill'p,I 1 l''',1 I■,"1 l',i)
. ,f,',,c1',,:1,;fa!),l'Cf h„;',,„„'1„'„'„;1[,,),11„'d III/l'1„'`,„l'I'I 1,.Yi'1,,',11,„,,d,,,,„'l'1111 11,„„3,,,„,11,,;,11'.1'11:, CT i 1 Oh 1 ll'i i:Iir,;11,:,)I'l,1`1,1,;1111::',11,1,,,'P II 11,7■111
. 1",,,r;,r,q,,,,tr,1,1,vi rJr,',1,:',11r)Irlr'',+,r;,;,;'■,■r,r r','Jr.p fl,■„1::',',”,r',1r,d'i,r11,,11,1,,?,',,,I,,,,,,,,,d,,+,,,,,q,if,i
, 11„0,■:„410 0,1;:rogs and re,f;',;,1111„111k„„M61:„',,,,[ilis 11,1,,;'„,qrtilielhirne,s,„ ',u, 'lulu: 10,
. Require I'lia ,1:3 cyk:),ou ipoliicy II::e pp pd by pp
,,1, '‘'',1!■,,p,,,:,',,, ",,
ir.:erris,red cortre,r.,
'rfa-r,l.ib,!I'cm cc pp (411erafiiorri from kle)v'ung iN pa re,rill
c:y 11::1•,.:1ry doirris drr,r(,.!c1[„[1,11,17„10 idlriat courTy„
IVIE,...,ly rod 1-me■,=.:,,[eve (]dd,ress,,,r,,d„or even consider•Dd„
Avg wording olr cl gkoi.,:poW,'1::kca[iicy
'f/,/ /','''Y J-''''''''„ ,',00""1""'\''',A1,■:iiiiiiiii;■'■■1,1,t ,14''''4' ,V1.1.1.i''. 1,
,, ,",,',,,,%/%,/zz
0Y
,
in'
„„, "„„,„'„'„A, ,,,,///f/ ,%, '' ''',f'„''1'1'„A■W(rtr, ,,/ \"!',':::„Iill'I'll'1111
'11(11(111111
':', ''''''',1,1„1„„„„f 'z'1 %'' "P/„„, t/ ,,,',',',',',',',',',',',',',',',',,,, '■;',(1',i,,,ii,ift(,:,:,:,,,/,,,,,,,
DocuSign Envelope ID:2A1FF9C3-5E84-4494—AE50-59EAC650084E
Possrm:::gt for(,,,,"..,,,,,Ibi.i,E■,,,!1g,,11,1 1,,,,",,Iiinlin.,,Oil,,,,,..1,!!,
1Puert,IR
■,',,,,L,11')?rd'l':i; . 1:::::Mf,;':11 r:,,0 F,I,),k,',1111;; ',' lirlabnd l'',';,,,r'll',/,',ri.,,r,'rl'Ii"A '' 0 rrhr■r ,', S...flt....1,rir,,,7 „,,,,,,,,,,,,1'......................,,,,,,,,,,,,,,,,,,,,,,l'
,r)ormr[1.0 irk . ?mar,I . 11,4,..m.
Ikury
:1„1111.........
,„■...,:t„,t:
„1.11
,.,
,.,
', .'■,.,' 14. ''"?1it%itifl011
101111 t 11; A
r1111tIiIIIAIIIIII I°111111„I 1111intii„I IIIII'l IIie , 1 "i'1IIII(litOti 1 ii1 l'itiI)11111
11)11110■IiiiIiivilo1p41)1I111)11111110111I1iFIIIiii111111111,1111011111111 hd1.11111111111 111111;1111i1ItIII,11110IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII IIIIIIIIIIIIIIIIIII4,111111 I III11111111111111111161III4 IIIIIIIIIIIIIIIIIII1,1,111111111111111111111111111111111111111,01111111111111111111111111IIIII,I1111141401111111111,111111IIIIIIIIIIIIIII1111111111119kIllf II 1,,„Ili,1111111i)
II4r1111111114111111111111B,\1%1111110 IKIII1VVIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIk,IIII1111111111111111ik I 1011001111,01,111,1,1!,0,1011011m001101111,1ill,ill11,00111■■■■TV111000111.111100,111,1,111,■,11,,,1111!10,111110010000 1000011 1001 111111110011101,'),1111111,11 4110.1111100111111 00 III 1110111o0 MINIII
001Ailligilillill hpV1k1000VhDOV OID$10,Dh00 00 hVhVIDOMII[DOVODIOD00101 1111,0h01100101IIVOIDII 00,00V000011,1111441 ,,,A DID 11 NO Ilill'Illifi Oil 101111000Milkittgl iivAll,p 1‘
i
VIVIII )) 111111VVvlill:1101101v010 ill 11,111100011111,iio 0000Voo VIVOollit ilvlivv0(V1011111111ilillOtillooVvoloolohOol000 volvillitti %„„,,, .
01,4'"000 v111011010 0111.11001i10011,:;'„,h1livill14,,,,,,oviil,010000 Doolhivolvio00001110,11,00,1toodolool000llh11„„colookki Imo,*(lido[,,t,',,,„.»,iilvoiti,...,,,,,,,,..:,11(„4,'„„v:,111,1,0,,k :,,,,,,„;;1,,,,toivo,0,40i01.1,11.100100100 00i.,,,,,liilloolm,,:,,,:,,„,i,,,,„ .
0,0»dovlivpol„oo.,,%)i.;,,rtoi,,%mooppo,Iho,o;,,,p,lilllohirKtq,,,[m„toioioo,tliiohllAwt)q„,",,,41!i■Ihi■; 1„,illoi\4 141tifilm■d,„7,,,,,,;11L!1411,1,ttOpIt%1,,,,,,!,,,0),"1,).)111,q11,is.figi'.!11:viow
lo)tupollivomoo,,„%,11,11vouvoillt\■,olliollooloyol lolioloovonoop.lsoiooloo 000livolohliool voov vlolivlovolly„1",IR,glop.kl.o.po,11 I,,I Ili„111,1,111VIIIINIR, „0",`;;,I.R.MIN,\Y1(1\\''' ,LLI:,1004111L lomil0017
uptI)10111111111111[1111,,ssslu,voolly1111111111,1llooloblomplitll\ill 1()%t)iliooloo 1111 1 \\))) 1 \1\\II\\\ \1 ill ,
11111,1011111110000 11111111100V0001111,010 JMO[III.,, 1 “ r“
i ili 110D OMONDIvIDDOOV DIDOVVVIDOIVh1,11V01,)Iv11111110111111111DIIIVO 01 1,4‘1,1,1;1. 1,1.,\11“,i,1\ tv\,1 “1\11,1\,\„ ,,. _
0,10001„1111.11111,11100„,i 1,1111,111,111„,11,1„ 1 1 11 1