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CYBERFIRST THIS INSURANCE PROVIDES CLAIMS -MADE COVERAGE. DEFENSE EXPENSES WILL BE APPLIED AGAINST THE RETENTION, DEFENSE EXPENSES ARE PAYABLE WITHIN AND ARE NOT IN ADDITION TO THE LIMITS, OF INSURANCE. PAYMENT OF DEFENSE EXPENSES WILL REDUCER AND MAY EXHAUST, THE LIMITS OF INSURANCE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this coverage form restrict coverage. Your CyberFirst General Provisions Form also contains provisions that apply to this form, including provisions explaining who is insured under this form and the limits of insurance and retention that apply to the insurance provided under this form. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the CyberFirst Declarations, and any other person or organization qualifying as a Named Insured under this policy. The words "first Named Insured" refer to the Named Insured listed first in Item 1. of the CyberFirst Declarations. The words "we", "us" and "our" refer to the company providing this insurance. The word "insured" means any person or organization qualifying as such under Section II - Who Is An Insured in your CyberFirst General Provisions Form. The words "policy period" mean the Policy Period for the CyberFirst Network And Information Security Liability Coverage Form shown in the CyberFirst Declarations. Other words and phrases that appear in quotation marks have special meaning. Refer to Section II - Definitions in this form and Section VII - Definitions in your CyberFirst General Provisions Form. SECTION I — NETWORK AND INFORMATION SECURITY LIABILITY COVERAGE 1. Insuring Agreement The amount we will pay for "damages" and "defense expenses" is limited as described in Section III - Limits Of Insurance in your CyberFirst General Provisions Form. a. We will pay those sums that the insured becomes legally obligated to pay as "damages" because of loss to which this insurance applies that exceed the applicable retention, only if: (1) The loss is caused by a "network and information security wrongful act" committed anywhere in the world; (2) The "network and information security wrongful act" was committed on or after the Network And Information Security Retroactive Date shown in the CyberFirst Declarations and before the end of the policy period; and (3) A "claim" or "suit" that seeks "damages" because of the loss is first made or brought against any insured, in accordance with Paragraph d. below, during the policy period or any Extended Reporting Period we provide under Section VI - Extended Reporting Periods in your CyberFirst General Provisions Form. b. Each "network and information security wrongful act" in a series of "related" "network and information security wrongful acts" will be deemed to have been committed on the date the first "network and information security wrongful act" in that series is committed. C. If no Network And Information Security Retroactive Date is shown in the CyberFirst Declarations, the Network And Information Security Retroactive Date will be deemed to be the first day of the policy period. d. A "claim" or "suit" that seeks "damages" will be deemed to have been first made or brought at the earlier of the following times: (1) When any "described authorized person" first receives written PR T1 03 01 17 © 2016 The Travelers Indemnity Company. All Includes copyrighted material of Insurance Services Office, RJA Mwagzment Division rights reserved. �40 F,oq REvlEweD&APPROVED BY.- Inc. with its permi �" P, VX* vd Rusk Pjanagement Analyst