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Section II. Definitions Additional Insured Means any person or entity that the Insured Organization has agreed to add as an additional insured under this Policy through a written contract or agreement, but only if the contract or agreement was executed before the date the Insured Organization first committed the alleged acts, errors, or omissions. Adverse Publication Means any report or communication to the public through any media format (including television, print media, radio, internet, and social media) by a third party of information previously unavailable to the public, specifically concerning a security failure, systems failure, data breach, cyber extortion, or privacy liability. Multiple adverse publications relating to the same security failure, systems failure, data breach, cyber extortion, or privacy liability shall be considered a single adverse publication and will be deemed to have occurred on the date of the first such adverse publication. Al Security Event Means the failure of security of the applicable computer systems, IT Provider computer systems, or Non -IT Provider computer systems, caused by any malicious use of artificial intelligence technology, including through the use of machine learning or prompt injection exploits. Application Means all applications, including any attachments thereto and supplemental information, submitted to us by or on behalf of the Named Insured in connection with the underwriting of this Policy. Betterment Allowance Means the costs to: 1. upgrade or enhance covered computer software that is damaged, destroyed, lost, altered, or corrupted, with more secure software; and 2. replace computers or any associated equipment or devices with a more secure functionally equivalent item(s). Provided, however, that the betterment allowance cannot exceed an additional 25% of the cost that would have been incurred to restore or replace the covered digital assets, computers, or associated equipment or devices to the level or condition which existed prior to the security failure. Breach Notice Law Means any statute or regulation that requires: 1. notice to individuals whose personally identifiable information was, or reasonably likely to have been accessed or acquired by an unauthorized person; or 2. notice to regulatory agencies of such an incident. Breach Response Costs Means the following reasonable and necessary costs, fees, and expenses you incur with our prior written consent in response to an actual or suspected security failure or data breach: 1. for a computer forensic professional to determine the existence, cause, and extent of a security failure or data breach; 2. for an attorney to advise you on your investigation of a security failure or data breach and to determine whether you are legally obligated under a breach notice law to notify individuals or applicable regulatory agencies of such security failure or data breach; 3. for an attorney to advise you in complying with Payment Card Industry ("PCI") operating regulation requirements for responding to a data breach compromising payment card data, and CYUSP-50PF-0125-01 Page 4 of 28