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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD IDENTITY RECOVERY FOR BUSINESSOWNERS AND EMPLOYEES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Identity Recovery for Businessowners and Employees (1) We will provide the Case Management Service and Expense Reimbursement Coverage indicated below if all of the following requirements are met: (a) There has been an "identity theft" involving the personal identity of an "identity recovery insured" under this Coverage Part; (b) Such "identity theft" is first discovered by the "identity recovery insured" during the policy period for which this Coverage Extension is applicable; and (c) Such "identity theft" is reported to us as soon as practicable but in no event later than 60 days after it is first discovered by the "identity recovery insured." (2) If all three of the requirements listed above have been met, then we will provide the following to the "identity recovery insured": (a) Case Management Service Services of an "identity recovery case manager" as needed to respond to the "identity theft"; and (b) Expense Reimbursement Reimbursement of necessary and reasonable "identity recovery expenses" incurred as a direct result of the "identity theft." (3) Additional Exclusions Under this Coverage Extension, we will not cover loss or expense arising from any of the following: (a) Theft of a professional or business identity; (b) Any fraudulent, dishonest or criminal act by an "identity recovery insured" or any person aiding or abetting an "identity recovery insured", or by any authorized representative of an "identity recovery insured", whether acting alone or in collusion with others. However, this exclusion shall not apply to the interests of an "identity recovery insured" who has no knowledge of or involvement in such fraud, dishonesty or criminal act; (c) Loss other than "identity recovery expenses"; (d) An "identity theft" that is first discovered by the "identity recovery insured" prior to or after the policy period for which this Coverage Extension applies. This exclusion applies whether or not such "identity theft" began or continued during the period of coverage; (e) An "identity theft" that is not reported to us within 60 days after it is first discovered by the "identity recovery insured."; or (f) An "identity theft" that is not reported in writing to the police. (4) Limits of Insurance (a) The most we will pay in any one "policy year" per "identity recovery insured" under this Coverage Extension is the Limit of Insurance shown in the Declarations for Identity Recovery Coverage for Businessowners and Employees. Regardless of the number of claims, this limit is the most we will pay for the total of all loss or expense arising out of all "identity thefts" to any one "identity recovery insured" which are first discovered by the "identity recovery insured" during a 12-month period starting with the beginning of the present annual policy period. If an "idE in one policy period and continues into other policy periods, all loss an Form SP 30 22 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its ew cF RAMwagmedDMsian Jy/\'x REVIEWED & APPROVED BY: 11 ,v --� Risk janagement Analyst