Summary of Insurance Benefits

As an eligible account member, you are entitled to certain benefits under the Master Policy referenced  below. This is only a summary of the Master Policy for your convenience. This summary of insurance  benefits does not state all the terms, conditions, and exclusions of the Policy. Your benefits will be subject  to all terms, conditions, and exclusions of the Master Policy, even if they are not mentioned or conflict in  any way with this summary. A complete copy of the Policy will be provided upon request. 

The Master Policy for Group Identity Theft & Cyber Insurance has been issued to: Greenlight Financial  Technology, Inc. (“Greenlight”), Policy Number: DCGC-20250201-1, underwritten by ACE Property &  Casualty Insurance Company, 436 Walnut Street Philadelphia, PA 19106 (“insurance company”), a Chubb  company, to provide benefits as described in this summary. 

Limits Of Insurance 

Each coverage limit shown is the maximum amount of coverage per coverage period under that insuring  agreement. This is the most we will pay you for the sum of all covered losses with respect to such insuring  agreement during the coverage period, regardless of the number of claims. This amount of coverage is  subject and not in addition to the master policy aggregate limit and the maximum policy insuring agreement  amount of coverage. 

Master Policy Aggregate Limit: $10,000,000 

Greenlight Family Shield Plan 

Greenlight Family Shield Plans are eligible for the benefit described below subject to the terms and  conditions of the master policy and all applicable limit(s) of insurance. 

Who is covered under the plan? 

Coverage is provided to the primary accountholder, their relatives who live with them or for whom they control or assist with their finances, students under 25 in their care temporarily away at school who are a  resident of their household, any other person in their care, and other natural persons who at the time of the  loss control or assist with the finances of a relative through such natural persons authorized use of the Greenlight Family Shield Plan. 

Benefit 

Identity Theft Coverage 

The insurance company will pay the following reasonable and necessary costs you incur when someone  illegally uses your identity without your consent: 

• notary or certified mailing fees and telephone expenses. 

• fees for loan reapplications after your original application is rejected based on incorrect credit  information. 

• earnings lost from taking time off from work to fix identify theft. 

• legal fees, for your defense against businesses and collection agencies; removal of unfair criminal  or civil judgments; or to challenge information in your consumer credit report. 

• identity theft relief service fees, to help you with the above; restore your financial accounts or credit  standing with credit grantors and credit agencies; or monitor how well the fraud mitigation is  working and detect additional identity fraud activity. 

• additional fees up to $5,000, for travel required to fix identity theft; dependent care you need while  you travel to fix identity theft; replacing official documents or records; or bail bonds or emergency  legal assistance you need if arrested.

Monitoring Activated 

Greenlight Family Shield Plans which have activated monitoring of one or more financial account(s) are  also eligible for the following benefit: 

Benefit

Deceptive Transfer Fraud Coverage 

The insurance company will pay the following reasonable and necessary costs you incur due to the  occurrence of deceptive transfer fraud: 

• the market value of non-recoverable personal property, other than financial account funds or tax  refunds. Before we pay, you must first submit all required written reports to the correct law  enforcement agency. 

• legal liabilities you owe to a third party as a direct result of your identity loss, theft or fraud. 

• missing tax refunds or financial account funds, or extra charges on your payment card. Before we  pay, we expect you to do everything we request to recover your missing refunds or funds from your  financial institution or tax authority. 

• related costs as described under Identity Theft above. 

A “deceptive transfer fraud” occurrence means someone misleads you into transferring your personal  property or account funds to them. They mislead you by impersonating: 

• 1. a family member or friend; 

• 2. a professional that you have had prior engagement with, such as a medical professional, lawyer,  accountant, financial advisor, government agent, real estate agent, notary or similar profession; or 

• 3. legitimate organization that you have had prior engagement with, are expecting to send payment  to;

• and that you recognize and would reasonably expect to be in contact with for an authentic purpose.

What you must do to make a claim 

If you wish to file a claim under the Master Policy, please you may start a claim in the Greenlight app or call  1-800-252-4670. 

Coverage is provided as a benefit to eligible Greenlight member accounts under a master policy issued to  Greenlight.If this Master Policy is terminated, your benefits will cease effective that date. It is the obligation  of Greenlight to inform you of any termination of the Master Policy. 

Any coverage afforded by this policy is subject to the applicable individual and aggregate limit(s) of this  policy. 

In case of an actual or suspected occurrence of identity theft event or deceptive transfer fraud you shall  perform the following duties that apply: 

1) Notification

• a) For an identity theft event occurrence, contact us and the relevant law enforcement agency or tax  authority within 30 days after you first find out about the event. 

• b) For a deceptive transfer fraud occurrence, contact us, the relevant law enforcement agency or tax  authority, and financial institution within: 

  • i. 60 days after you first find out about an act committed as part of a deceptive transfer  fraud occurrence, and 

  • ii. 120 days after a deceptive transfer fraud occurrence. 

2) Assistance 

You must fully cooperate with us and any relevant law enforcement, government agencies, or financial  institutions. This includes providing information, documentation, or testimony as needed. 

3) Examination 

We have the right to examine you under oath. 

We may also ask you to give us a signed description of the circumstances surrounding a loss and to produce  all records and documents. 

We also have the right to examine your electronic data or electronic device, as needed, including a forensic  analysis, to determine the cause and scope of loss. 

4) Proof of Loss 

You must give us proof of your losses with full details. We ask that you give us this information within 60  days of our request but, if you cannot make that timeframe, as soon as possible. 

To request a copy of the complete master policy 

Requests for a complete copy of the Master Policy may be made at support@greenlight.com.

Definitions 

1) Electronic data 

Digitally stored software or information, and includes non-recoverable purchased eBooks, online gaming  goods, apps, photos, videos, music, and movie files. Electronic data does not mean physical property, nor  is physical property electronic data. 

2) Electronic device 

A device that stores or processes digital information or transmits information over the internet. It is one of  the following types of physical property: 

• 1. computers, peripheral computing devices, networking equipment, and other electronic accessories; 

• 2. portable electronic devices such as laptops, smartphones, e-readers, tablets, handheld or wearable  computers, or similar devices; or 

• 3. firmware embedded on a hardware device. 

It is not the electronic data stored on an electronic device. 

Coverage Scope 

All coverages on this policy apply only to occurrences that first take place no earlier than the effective date  of this policy, is discovered during the coverage period and you must be a member of a defined group of the  policy on or before the time of the occurrence.

Duplicate Coverages 

If a loss is covered under more than one insuring agreement, we will pay you only through the part that  gives you the greatest payment. We will not make duplicate payments. 

If you carry other insurance or other sources of reimbursement, that is your primary coverage. It is first in  line to pay any reimbursement owed to you. This coverage is your secondary coverage. 

Deductible 

If applicable, after your deductible is satisfied, we will pay the covered losses that exceed the deductible  amount, up to the relevant limit of your insurance. If a single occurrence or cyber attack is subject to  different deductibles, you pay only the largest deductible. 

Other Insurance 

This insurance is excess over any other insurance except that written specifically to cover excess over the  amount of coverage that applies in this policy. 

Exclusions 

We do not cover: 

1) Losses resulting from a malicious or fraudulent act, including a cyber attack, by:

• i. a family member, including a domestic partner; 

• ii. your current or former guardian; 

• iii. your former spouse or domestic partner; 

• iv. anyone who lives with you or has ever lived with you for more than six months; or

• v. anyone acting with or on behalf of anyone listed above; 

2) Losses resulting from acts by or on behalf of any domestic or foreign sovereign state, government, civil  authority, military, or state-sponsored militia. 

3) We do not cover any loss caused by war, undeclared war, civil war, insurrection, riot, civil commotion,  rebellion, revolution, warlike acts by a military force or personnel, usurped power, governmental  intervention, expropriation or nationalization, any action taken in hindering or defending against any  of these, or any consequences of any of these acts regardless of any other direct or indirect cause or  event, whether covered or not, contributing in any sequence to the loss. 

4) Losses resulting from business activities. 

5) Losses resulting from a government or public authority taking, seizing or destroying your property. 

6) Losses resulting from any activity involving digital currency that is not authorized by a sovereign  government as part of its currency. 

7) Losses resulting from a financial institution’s or non-bank financial institution’s financial difficulties or  restructuring. 

8) Losses resulting from property damage or personal injury that affects others, and for which you may be  legally liable or responsible. 

9) Losses arising from or attributable to any: 

• a) dishonest, fraudulent, criminal, malicious or intentional act, error or omission, or any intentional  or knowing violation of the law by you or a family member; or 

• b) activity intended to realize a benefit or financial gain in which you or a family member is not legally  entitled.

10) Losses resulting from circumstances that you knew about prior to first having continuous coverage  provided by us to you. If there was any period of time where we did not provide coverage to you, whether  due to your removal from this group, previous policies or certificates being cancelled, nonrenewed,  suspended, or moved to another insurer, then the period of continuous coverage provided by us begins  again on the date that such coverage was re-established with us as the provider. 

11) Losses resulting from running for or holding an elected public office. 

12) Losses you experience while in a place designated as a “Do not travel” area by the United States  Department of State, Bureau of Consular Affairs, whether or not the loss is directly related to or in the  location of such travel. 

13) Losses resulting from physical injury to, or the destruction of, physical property, or your resulting  inability to use that property. 

14) Losses resulting from widespread events. 

15) Deceptive Transfer Fraud does not cover: 

• a) losses you experience when your investments, such as financial securities or real estate, decrease  in value; 

• b) losses you experience as the result of being misled about the value of any product, service, or  investment; 

• c) losses you experience when a person or organization fails to perform as agreed by contract;

• d) losses you experience when extending loans or credit to others; 

• e) money, financial securities, or physical property that is lost by the US Postal Service or by any  courier; 

• f) losses caused by a product or service failing or malfunctioning; or gambling losses; 

• g) personal property or account funds that are not monitored by Greenlight at the time of the  deceptive transfer. 

Insurance offered by Acrisure, LLC is provided by ACE American Insurance Company and its U.S.-based Chubb underwriting company affiliates. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Halls Mill Road, Whitehouse Station, NJ 08889-1600.