Goleta City Council
June 2, 2026

Agenda Item A.3

CPMS CONSENT CALENDAR
Meeting Date: June 2, 2026
TO: Mayor and Councilmembers
SUBMITTED BY: Deborah S. Lopez, City Clerk
PREPARED BY: David J. Cutaia, Senior Deputy City Clerk
SUBJECT: Amendment No. 1 to Professional Services Agreement No. 2024 - 059 with Voices Translation and Interpreting Services for Spanish Interpretation Services
RECOMMENDATION:

Authorize the City Manager to execute Amendment No.1 to Professional Services Agreement No. 2024 -059 with Voices Translation and Interpreting Services to provide interpreting services and real time Spanish translation for a total not-to-exceed amount of $60,000, and a termination date of June 30, 2027.

BACKGROUND:

On July 15, 2024, the City entered into Professional Services Agreement No. 2024 -059 with Voices Translation and Interpreting Services to provide Spanish interpretation services for the City of Goleta City Council meetings for total not -to-exceed amount of $40,000 and a termination date of June 30, 2026 . The agreement was approved under City Manager authority pursuant to Goleta Municipal Code Section 3.05.070.

DISCUSSION:

Voices Translation and Interpreting Services has consistently provid ed exceptional, seamless interpretation for City Council meetings. To account for market adjustments, the consultant has requested a rate increase from $85 per hour to $90 per hour which is included in the proposed amendment. By optimizing service hours, projected annual costs will remain stable and are well within the City Clerk Division's approved fiscal year budget.

Staff seeks a one-year extension of the agreement to maintain continuity of service at the cost of $20,000 for a new total not -to-exceed am ount of $60,000 . Approval of the amendment will bring the total contract authority above the City Manager’s approval limit and requires City Council approval.
1 Meeting Date: June 2, 2026

GOLETA STRATEGIC PLAN:

City-Wide Initiative: 8. Enhance the Efficiency and Transparency of City Operations

FISCAL IMPACTS:

The City Clerk Division’s existing Professional Services 101-10-1300-51200 budget accommodates the $20,000 annual cost for Spanish interpretation services. Therefore, this amendment requires no additional appropriation.

ALTERNATIVES:

The City Council could choose not to approve the amendment. This would require staff to either procure a new consultant or discontinue interpretation services at City Council meetings.

LEGAL REVIEW BY: Isaac Rosen, City Attorney

APPROVED BY: Robert Nisbet, City Manager

ATTACHMENTS:

1. Amendment No. 1 to Professional Services Agreement No. 2024-059 with Voices Translation and Interpreting Services

2. Original Agreement
2 ATTACHMENT 1
Amendment No. 1 to Professional Services Agreement No. 2024-059 with Voices Translation and Interpreting Services
5 3
4 5
6 7
ATTACHMENT 2
Original Agreement
5 8

DOCUMENT ROUTING AND APPROVAL FORM
Requires Council Approval:
☐NO
☐YES
Meeting Date/Item number :

Requires Vendor Set -up:
☐NO
☐YES
If no, Vendor Number:

Director Level Approval:
☐NO
☐YES
Cite Authority:

Provide summary of agreement below:

Document Type (Ex: Professional Desi gn Services): Project Name (Should match agreement ):

Vendor Name:

Contact Person:

Address:

Phone Number:

Email Address:

Business License Number:

City Project Manager:

Contact Number:

Email Address:

Staff Routing Agreement:

Contact Number:

Email Address:

AMOUNT NOT TO EXCEED: ON CALL SERVICES? : ☐NO ☐YES*
*On call s ervices require one spreadsheet to track multiple PO’s COUNCIL APPROPRIATION NEEDED: ☐NO ☐YES*
*May require Budget Analyst’s override to input Requisit ion

ROUTING PROCESS DESCRIPTION DATE INITIAL
Department Head
Initiation
Authority to initiate agreement
Risk Manager Staff to initiate review of insurance provision in agreement City Attorney Contract review /Approve as form
Budget
Analyst/Finance Dept
Funding Methods Approved/Authorized
Purchasing Officer Purchase Requisition
reviewed
Requisition Number:

Staff (docusign user) Staff routes agreement to vendor via DocuSign for electronic signature and requests Insurance documents.

Risk Manager Risk Management shall rate Insurance
City Manager City Manager will approve and sign the agreement.

City Clerk City Clerk will approve and sign the agreement.

Vendor Staff will route a fully executed copy of the agreement to the vendor.
003009

3.05.260
Spanish Interpretation Services for City Council
Meetings
Professional Services
Spanish Interpretation
Voices
$40,000
25CL001
Viviana Marsano
47 Dearborn Place #24, Goleta, CA
805-364-1124
[email protected]
17703
Deborah Lopez
805-961-7505
[email protected]
David Cutaia
805-961-7509
[email protected]
Docusign Envelope ID: 09A87391-2762-4527-9EDF-B7EEFE7B7099 7/9/2024
7/11/2024
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E 7/11/2024
7/11/2024
7/11/2024
7/11/2024
7/15/2024
Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 9 City of Goleta
Voices Translation and Interpreting Services

Project Name: Spanish Interpretation Services for City Council Meetings

AGREEMENT FOR PROFESSIONAL SERVICES

BETWEEN THE CITY OF GOLETA
AND

VOICES TRANSLATION AND INTERPRETING SERVICES
This AGREEMENT FOR PROFESSIONAL SERVICES (herein referred to as “AGREE MENT”) is made and entered into this ________ day of ______ , 2024, by and between the CITY OF GOLETA, a municipal corporation (herein referred to as " CITY"), and VOICES TRANSLATION AND INTERPRETING SERVICES, a sole proprietor (herein referred to as "CONSULTANT").

SECTION A. RECITALS

1. The CITY has a need for professional services for Spanish Interpretation Services for City Council meetings; and

2. The CITY does not have the personnel able and/or available to perform the services required under this AGREEMENT, and therefore, the CITY desires to contract for professional services to accomplish this work; and

3. The CITY procured these services in compliance with Goleta Municipal Code Section 3.05.260; and

4. The City Manager approved this AGREEMENT pursuant to Goleta Municipal Code section 3.05.070.

SECTION B. TERMS

1. RETENTION AS CONSULTANT
CITY hereby retains CONSULTANT, and CONSULTANT hereby accepts such engagement, to perform the services described in Section 2.

CONSULTANT warrants it has the qualificatio ns, experience, and facilities to properly and timely perform said services.

2. DESCRIPTION OF SERVICES
The services to be performed by CONSULTANT are as follows:

Professional Services in conjunction with Spanish Interpretation Services more particularly set forth in the Scope of Work, attached as Exhibit “A,” and incorporated herein.

Docusign Envelope ID: 09A87391-2762-4527-9EDF-B7EEFE7B7099 Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E July
2024-059
15 Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 10 City of Goleta
Voices Translation and Interpreting Services

CONSULTANT shall deliver to CITY the deliverables defined in Exhibit “A.”

3. COMPENSATION AND PAYMENT
(a) Maximum and Rate . The total compensation payable to CONSULTANT by CITY for the services under this AGREEMENT SHALL NOT EXCEED the sum of $ 40,000 (herein "not to exceed amount"), and shall be earned as the work progresses on the following basis:

Hourly at the hourly rates and with reimbursement to
CONSULTANT for those expenses set forth in CONSULTANT's Schedule of Fees marked Exhib it " A," attached and incorporated herein. The rates and expenses set forth in that exhibit shall be binding upon CONSULTANT until June 30, 2026 , after which any change in said rates and expenses must be approved in writing by CITY's Project Manager as described in Section 5 (CITY is to be given 60 days notice of any rate increase request), provided the not to exceed amount is the total compensation due CONSULTANT for all work described under this AGREEMENT.
(b) Payment. CONSULTANT shall provide CITY with written verification of the actual compensation earned, which written verification shall be in a form satisfactory to CITY's Project Manager , as described in Section 5 .

Invoices shall be made no more frequently than on a monthly basis, and describe the work performed (including a list of hours worked by personnel classification).

All payments shall be made within 30 days after CITY’s approval of the invoice.

4. EXTRA SERVICES
CITY shall pay CONSULTANT for those CITY authorized extra services, not reasonably included within the services described in Section 2, as mutually agreed to writing in advance of the incurrence of extra services by CONSULTANT. Unless CITY and CONSULTANT have agreed in writing before the performance of extra services, no liability and no right to claim compensation for such extra services or expenses shall exist. The applicable hourly rates for extra services shall be at the hourly rates set forth in Exhibit A, if one is included as part of this agreement. Any compensation for extra services sha ll be part of the total compensation and shall not increase the not to exceed amount identified in Section 3.

5. CITY PROJECT MANAGER AND SERVICES BY CITY
The services to be performed by CONSULTANT shall be accomplished under the general direction of, and coordinate with, CITY's "Project Manager", as that staff person is designated by CITY from time to time, and who presently is Deborah Lopez, City Clerk . Project Manager shall have the authority to act o n Docusign Envelope ID: 09A87391-2762-4527-9EDF-B7EEFE7B7099 Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 11 City of Goleta
Voices Translation and Interpreting Services

behalf of the CITY in administering this AGREEMENT but shall not be authorized to extend the term of the AGREEMENT or increase the not to exceed amount.

6. TERM, PROGRESS AND COMPLETION
The term of this AGREEMENT is from the date first written above to June 30, 2026, unless term of this AGREEMENT is extended, or the AGREEMENT is terminated as provided for herein.

CONSULTANT shall not commence work on the services to be performed until (i) CONSULTANT furnishes proof of insurance as required by Section 10 below, and (ii) CITY gives written authorization to proceed with the work provided by CITY's Project Manager

7. OWNERSHIP OF DOCUMENTS
All drawings, designs, data, photographs, reports and other documentation (other than CONSULTANT's drafts, notes and internal memorandum), including duplication of same prepared by CONSULTANT in the performance of these services, are the property of CITY. CITY shall be entitled to immediate possession of the same upon completion of the work under this AGREEMENT, or at any earlier or later time when requested by CITY. CITY agrees to hol d CONSULTANT harmless from all damages, claims, expenses, and losses arising out of any reuse of the plans and specifications for purposes other than those described in this AGREEMENT, unless written authorization of CONSULTANT is first obtained.

8. PERSONAL SERVICES/NO ASSIGNMENT/SUBCONTRACTOR
This AGREEMENT is for professional services which are personal to CITY. Viviana Marsana, Owner , is deemed to be specially experienced and is a key member of CONSU LTANT's firm, and shall be directly involved in the performance of this work. This key person shall communicate with, and periodically report to, CITY on the progress of the work. Should any such individual be removed from assisting in this contracted work for any reason, CITY may terminate this AGREEMENT. This AGREEMENT may not be assigned or subcontracted without the City Manager’s prior written consent.

9. HOLD HARMLESS AND INDEMNITY
(a) Hold Harmless for CONSULTANT's Damages. CONSULTANT holds CITY, its elected officials, officers, agents, and employees, harmless from all of CONSULTANT's claims, demands, lawsuits, judgments, damages, losses, injuries or liability to CONSULTANT, to CONSULTANT's employees, to CONSULTANT’s contractors or subcontractors, or t o the owners of CONSULTANT's firm, which damages, losses, injuries or liability occur during the work required under this AGREEMENT, or occur while CONSULTANT is on Docusign Envelope ID: 09A87391-2762-4527-9EDF-B7EEFE7B7099 Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 12 City of Goleta
Voices Translation and Interpreting Services

CITY property, or which are connected, directly or indirectly, with CONSULTANT's performanc e of any activity or work required under this AGREEMENT.
(b) Defense and Indemnity of Third-Party Claims/Liability.

CONSULTANT shall investigate, defend, and indemnify CITY, its elected officials, officers, agents, and employees, from any claims, lawsuits, de mands, judgments, and all liability including, but not limited to, monetary or property damage, lost profit, personal injury, wrongful death, general liability, automobile, infringement of copyright/patent/trademark, or professional errors and omissions arising out of, directly or indirectly, an error, negligence, or omission of CONSULTANT or any of CONSULTANT’s officers, agents, employees, representatives, subconsultants, or subcontractors, or the willful misconduct of CONSULTANT or any of CONSULTANT’s off icers, agents, employees, representatives, subconsultants, or subcontractors, in performing the services described in, or normally associated with, this type of contracted work. The duty to defend shall include any suits or actions concerning any activity , product or work required under this AGREEMENT, and also include the payment of all court costs, attorney fees, expert witness costs, investigation costs, claims adjusting costs and any other costs required for and related thereto. (c) No Waiver. CITY does n ot waive, nor shall be deemed to have waived, any indemnity, defense or hold harmless rights under this section because of the acceptance by CITY, or the deposit with CITY, of any insurance certificates or policies described in Section 10.

10. INSURANCE
CONSULTANT shall, at CONSULTANT's sole cost and expense , provide insurance as described herein. All insurance is to be placed with insurers authorized to do business in the State of California with an A.M. Best and Company rating of A - or better, Class V II or better, or as otherwise approved by CITY.

Insurance shall include the following (or broader) coverage:

a) Insurance Services Office Commercial Liability coverage “occurrence” form CG 00 0 1 or its exact equivalent with an edition date prior to 2004 and wi th minimum limits of $1,000,000 per occurrence and $2,000,000 general aggregate.

b) Insurance Services Office form number CA 00 01 or equivalent covering Automobile Liability, including hired and non -owned automobile liability with a minimum limit of $1,000,000 per accident. If the Service Provider owns no vehicles, this requirement may be Docusign Envelope ID: 09A87391-2762-4527-9EDF-B7EEFE7B7099 Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 13 City of Goleta
Voices Translation and Interpreting Services

satisfied by a non -owned and hired auto endorsement to Service Provider’s commercial general liability policy.

c) Workers’ Compensation insurance complying with California w orker’s compensation laws, including statutory limits for workers’ compensation and an Employer’s Liability limit of $1,000,000 per accident or disease.

d) Professional liability insurance that covers the services to be performed in connection with this agre ement, in the minimum amount of $1,000,000 per claim.

Liability insurance policies required to be provided by CONSULTANT hereunder shall contain or be endorsed to contain the following provisions:

a) Except for professional liability insurance, CITY, its employees, officials, agents and member agencies shall be covered as additional insureds. Coverage shall apply to any and all liability arising out of the work performed or related to the contract. Additional insured status under the general liability r equirement shall be provided on Insurance Services Office Form CG 20 10, with an edition date prior to 20 04, or its equivalent. Additional insured status for completed operations shall be provided either in the additional insured form or through another endorsement such as CG 20 37, or its equivalent.

b) General and automobile liability insurance shall apply separately to each insured against whom a claim is made or suit is brought, except with respect to the limits of the insurer’s liability. Coverage wi ll not be limited to CITY’s vicarious liability.

c) Professional liability insurance policies inception date, continuity date, or retroactive date must be before the effective date of this agreement. CONSULTANT agrees to maintain continuous coverage through a period no less than three years after completion of the services required by this agreement.

d) Except for professional liability insurance, l iability coverage shall be primary and non-contributing with any insurance maintained by CITY.

e) Evidence of coverage (including the workers’ compensation and employer’s liability policies) shall provide that coverage shall not be suspended, voided, canceled or reduced in coverage or in limits except after 30 days’ prior written notice has been given to CITY.

Such provision shall not include any limitation of liability of the insurer for failure to provide such notice.

Docusign Envelope ID: 09A87391-2762-4527-9EDF-B7EEFE7B7099 Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 14 City of Goleta
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f) No liability insurance coverage provided to comply with this AGREEMENT shall prohibit CONSULTANT, or CONSULTANT’s
employees, or agents, from wa iving the right of recovery prior to a loss. CONSULTANT waives its right of recovery against CITY.

g) CONSULTANT agrees to deposit with CITY within fifteen days of Notice to Proceed of the Contract certificates of insurance and required endorsements.

h) There shall be no recourse against CITY for payment of premiums or other amounts with respect to the insurance required to be provided by CONSULTANT hereunder. Any failure, actual or alleged, on the part of CITY to monitor compliance with these requirements will not be deemed as a waiver of any rights on the part of CITY. CITY has no additional obligations by virtue of requiring the insurance set forth herein. In the event any policy of ins urance required under this AGREEMENT does not comply with these req uirements or is canceled and not replaced, CITY has the right but not the duty to obtain the insurance it deems necessary and any premium paid by CITY will be promptly reimbursed by CONSULTANT or CITY will withhold amounts sufficient to pay premium from CONSULTANT payments.

i) CONSULTANT agrees to provide immediate notice to CITY of any claim or loss against CONSULTANT arising out of the work performed under this AGREEMENT. CITY assumes no obligation or liability by such notice, but has the right (but not the duty) to monitor the handling of any such claim or claims if they are likely to involve CITY.

11. RELATIONSHIP OF CONSULTANT TO CITY
The relationship of the CONSULTANT to CITY shall be that of an independent contractor and that in no event shall CONSULTANT be considered an officer, agent, servant or employee of CITY. CONSULTANT shall be solely responsible for any workers compensation insurance, withholding taxes, unemployment insurance, a nd any other employer obligations associated with the described work.

12. CORRECTIONS
In addition to the above indemnification obligations, CONSULTANT shall correct, at its expense, all errors in the work that may be disclosed during CITY's review of CONSULTANT's report or plans. Should CONSULTANT fail to make such correction in a reasonably timely manner, such correction shall be made by Docusign Envelope ID: 09A87391-2762-4527-9EDF-B7EEFE7B7099 Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 15 City of Goleta
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CITY, and the cost thereof shall be charged to CONSULTANT or withheld from any funds due to CONSULTANT hereunder.

13. TERMINATION BY CITY
CITY, by notifying CONSULTANT in writing, may upon 10 calendar days notice, terminate without cause any portion or all of the services agreed to be performed under this AGREEMENT. If termination is for cause, no notice period need be given. In the event of termination, CONSULTANT shall have the right and ob ligation to immediately assemble work in progress for the purpose of closing out the job. All compensation for actual work performed and charges outstanding at the time of termination shal l be payable by CITY to CONSULTANT within 30 days following submiss ion of a final statement by CONSULTANT unless termination is for cause. In such event, CONSULTANT shall be compensated only to the extent required by law.

14. ACCEPTANCE OF FINAL PAYMENT CONSTITUTES RELEASE
The acceptance by CONSULTANT of the final payment m ade under this AGREEMENT shall operate as and be a release of CITY from all claims and liabilities for compensation to CONSULTANT for anything done, furnished, or relating to CONSULTANT'S work or services. Acceptance of payment shall be any negotiation of CITY's check or the failure to make a written extra compensation claim within 10 calendar days of the receipt of that check.

However, approval or payment by CITY shall not constitute, nor be deemed, a release of the responsibility and liability of CONSULTANT, its employees, subcontractors, agents and CONSULTANTs for the accuracy and competency of the information provided and/or work performed; nor shall such approval or payment be deemed t o be an assumption of such responsibility or liability by CITY for any defect or error in the work prepared by CONSULTANT, its employees, subcontractors, agents and consultants.

15. AUDIT OF RECORDS
At any time during normal business hours and as often as it may deem necessary, CONSULTANT shall make available to a representa tive of CITY for examination of all its records with respect to all matters covered by this AGREEMENT and will permit CITY to audit, examine and/or reproduce such records. CONSULTANT will retain such financial records, time sheets, work progress reports, invoices, bills and project records for at least two years after termination or final payment under this AGREEMENT.

16. WAIVER; REMEDIES CUMULATIVE
Failure by a party to insist upon the strict performance of any of the provisions of this AGREEMENT by the othe r party, irrespective of the length of time for which such failure continues, shall not constitute a waiver of such party's Docusign Envelope ID: 09A87391-2762-4527-9EDF-B7EEFE7B7099 Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 16 City of Goleta
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right to demand strict compliance by such other party in the futu re. No waiver by a party of a default or breach of the other party shall be effective or binding upon such party unless made in writing by such party, and no such waiver shall be implied from any omissions by a party to take any action with respect to such default or breach. No express written waiver of a specified defa ult or breach shall affect any other default or breach, or cover any other period of time, other than any default or breach and/or period of time specified. All of the remedies permitted or available to a party under this AGREEMENT, or at law or in equity , shall be cumulative and alternative, and invocation of any such right or remedy shall not constitute a waiver or election of remedies with respect to any other permitted or available right of remedy.

17. CONFLICT OF INTEREST
CONSULTANT is unaware of any CITY employee or official that has a financial interest in CONSULTANT'S business. During the term of this AGREEMENT and/or as a result of being awarded this AGREEMENT, CONSULTANT shall not of fer, encourage or accept any financial interest in CONSULTANT'S business by any CITY employee or official.

18. CONSTRUCTION OF LANGUAGE OF AGREEMENT
The provisions of this AGREEMENT shall be construed as a whole according to its common meaning of purpose of providing a public benefit and not strictly for or against any party . It shall be construed consistent with the provisions hereof, in order to achieve the objectives and purposes of the parties.

Wherever required by the context, the singular shall include the plural and vice versa, and the masculine gender shall include the feminine or neutral genders or vice versa.

19. MITIGATION OF DAMAGES
In all situations arising out of this AGREEMENT, the parties shall attempt to avoid and minimize the damages resulting from the conduct of the other party.

20. GOVERNING LAW
This AGREEMENT, and the rights and obligations of the parties, shall be governed and interpreted in accordance with the laws of the State of California.

Should litigation occur, venue shall be in Superio r Court of Santa Barbara County.

21. NONDISCRIMINATION
The City reaff irms its ongoing commitment to equality in the conduct of City business, and prohibits any policy, plan, program, custom or practice, including harassment, in the conduct of City business. No discrimination or Docusign Envelope ID: 09A87391-2762-4527-9EDF-B7EEFE7B7099 Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 17 City of Goleta
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discriminatory practice shall occur in either employment of persons for, or completion of, the work contemplated by this Agreement, when such discrimination is based on race, color, national origin, or ancestry; religion; sex; gender, gender identity, gender expression, or gender transitioning status; physical disability, mental disability, medical condition, or genetic information; marital or domestic partner status; citizenship status; age; sexual orientation; exercising a legally protected right to an employment leave of absence; status as a victim of domestic violence, sexual assault, or stalking; reproductive health decision-making, or any other classification protected under state or federal law.

Among other possible violations of law, a violation of this section exposes CONSULTANT to the penalties provided for in Labor Code Section 1735.

22. TAXPAYER IDENTIFICATION NUMBER
CONSULTANT shall provide CITY with a complete Request for Taxpayer Identification Number and Certification, Form W -9 (Rev. October 2018 ), as issued by the Internal Revenue Service.

23. NON-APPROPRIATION OF FUNDS
Payments due and payable to CONSULTANT for current services are within the current budget and within an available, unexhausted and unencumbered appropriation of CITY funds. In the event CITY has not appropriated sufficient funds for payment of CONSULTANT services beyond the current fiscal year, this AGREEMENT shall cover only those costs incurred up to the conclusion of the current fiscal year.

24. MODIFICATION OF AGREEMENT
The tasks described in this AGREEMENT and all other ter ms of this AGREEMENT may be modified only upon mutual written consent of CITY and CONSULTANT.

25. USE OF THE TERM “CITY”
Reference to “ CITY” in this AGREEMENT includes City Manager or any authorized representative acting on behalf of CITY.

26. PERMITS AND LICENSES
CONSULTANT, at its sole expense, shall obtain and maintain during the term of this AGREEMENT, all appropriate permits, licenses, and certificates that may be required in connection with the performance of services under this AGREEMENT.

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27. CAPTIONS
The captions or headings in this AGREEMENT are for convenience only and in no other way define, limit or describe the scope or intent of any provision or section of the AGREEMENT.

28. AUTHORIZATION
Each party has expressly authorized the execution of this AGREEMENT on its behalf and bind said party and its respective administrators, officers, directors, shareholders, divisions, subsidiaries, agents, employees, successors, assigns, principals, partners, joint venturers, insurance carriers and any others who may claim through it to this AGREEMENT.

29. ENTIRE AGREEMENT BETWEEN PARTIES
Except for CONSULTANT'S proposals and submitted representations for obtaining this AGREEMENT, this AGREEMENT supersedes any o ther agreements, either oral or in writing, between the parties her eto with respect to the rendering of services, and contains all of the covenants and agreements between the parties with respect to said services.

30. PARTIAL INVALIDITY
If any provision in this AGREEMENT is held by a court of competent jurisdiction to be inv alid, void or unenforceable, the remaining provisions will nevertheless continue in full force without being impaired or invalidated in any way.

31. NOTICES
Any notice required to be given her eunder shall be deemed to have been given by depositing said notice in the United States mail, postage prepaid, and addressed as follows:

TO CITY: Attention: Robert Nisbet, City Manager
City of Goleta
130 Cremona Drive, Suite B
Goleta, CA 93117
TO CONSULTANT: Viviana Marsano
Voices Translation & Interpreting Services
426 Mills Way, Unit B
Goleta, CA 93117

Docusign Envelope ID: 09A87391-2762-4527-9EDF-B7EEFE7B7099 Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC

XXXXXXXXXXXXXXXXXXXXXXXXX

XXXXXXXXXXXXXXXXXXX
47 Dearborn Place #24,
Goleta, CA
93117
19 City of Goleta
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32. COUNTERPARTS AND ELECTRONIC/FACSIMILE SIGNATURES
This Agreement may be executed in several counterparts, which may be facsimile or electronic copies. Each counterpart is fully effective as an original, and together constitutes one and the same instrument.

In concurrence and witness whereof , this AGREEMENT has been executed by the parties effective on the date and year first above written.

CITY OF GOLETA CONSULTANT

_____________________________ _____________________________ Robert Nisbet, City Manager Viviana Marsana

ATTEST

_____________________________
Deborah Lopez, City Clerk

APPROVED AS TO FORM:

ISAAC ROSEN, ACTING CITY ATTORNEY

_____________________________
Scott Shapses, Deputy City Attorney

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20 City of Goleta
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Exhibit A
Scope of Work & Schedule of Fees
Spanish Interpretation for City Council meetings

Company Name: Voices Translation and Interpreting Services Primary Contact: Viviana Marsano

Contact Information: [email protected]

Voices Translation and Interpreting Services shall provide Spanish interpretation service for the City of Goleta, City Council meetings starting July 16, 2024.

Regular meetings of the Goleta City Council shall be held in the Council chambers on the first and third Tuesdays of each month at the hour of 5:30 p.m.

From time to time, there will be a need for Special City Council mee tings as where Spanish Interpretation services will be required by consultant.

Start Date: July 16, 2024
Interpretation Fees

 Rate: $85.00 per hour per interpreter, two interpreters per meeting
 Minimum: 4 hour
 Equipment: Provided by Voices Translation and Interpreting Services

Docusign Envelope ID: 09A87391-2762-4527-9EDF-B7EEFE7B7099 Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 21 REQUISITION
07/03/2024
ISSUED TO:

Date:

Vendor #: 003009
47 DEARBORN PLACE
#24
GOLETA, CA 93117
VOICES TRANSLATION AND INTERPRETING SERVICESHIP TO:
130 CREMONA DRIVE, SUITE B
GOLETA, CA 93117

CITY OF GOLETA
Requisition #: 25CL001
UNITS DESCRIPTION PRICE AMOUNTGL ACCOUNT NUMBERITEM PROJECT # 1 0
bd8538f8-29e7-4434-bdf5-b1a200c226a0
Spanish Interpretation Services for City Council
bd8538f8-29e7-4434-bdf5-b1a200c226a0

0.00 bd8538f8-29e7-4434-bdf5-b1a200c226a0
101-10-1300-51200 20,000.00
20,000.00TOTAL
SHIPPING:

TOTAL TAX:

SUBTOTAL:

0.00 0.00
20,000.00
Authorized By:

Spanish Interpretation Services for City Council Meetings. Time and Materials. Goleta Municipal Code section 3.05.070. Vendor was selected from 3 other proposals.

Detailed Description:

PO Description: Spanish Interpretation Services for City Council Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 22 Declarations Page
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 23 HISCOX INSURANCE COMPANY INC. (A Stock Company)
104 South Michigan Avenue, Suite 600, Chicago, Illinois 60603 CGL D001 10 18 Includes copyrighted material of Insurance Services Office, Inc., with its permission. © ISO Properties, Inc., 2000

Commercial General Liability Declarations
In return for the payment of the premium, and subject to all the terms of this Policy, we agree with you to provide the insurance as stated in this Policy.

Declaration effective from: July 9, 2024
Policy No.: P100.194.884.7
Named Insured: Voices Translation and Interpreting Services Address: 130 Cremona Dr Ste B
Goleta, CA 93117
Email Address: [email protected]
Policy period: From: April 6, 2024 To: April 6, 2025
At 12:01 A.M. (Standard Time) at the address shown above.

Form of Business: Partnership
Each Occurrence Limit: $1,000,000
Damage to Premises Rented to You Limit: $100,000 Any one premises Medical Expense Limit: $5,000 Any one person
Personal & Advertising Injury Limit: $1,000,000 Any one person or organization General Aggregate Limit: $2,000,000
Products/Completed Operations
Aggregate Limit:

Products-completed operations are subject to the General Aggregate Limit Supplemental Business Personal Property Floater
Coverage Limit:
$0
Supplemental Business Personal Property Floater
Coverage Deductible:

Not Applicable
All Premises You Own, Rent or Occupy
Premises Number:
1 Address: 47 Dearborn Place #24
Goleta, CA 93117
Total Premium:
346.00
Attachments: See attached Forms and Endorsements Schedule.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 24 HISCOX INSURANCE COMPANY INC. (A Stock Company)
104 South Michigan Avenue, Suite 600, Chicago, Illinois 60603 CGL D001 10 18 Includes copyrighted material of Insurance Services Office, Inc., with its permission. © ISO Properties, Inc., 2000

IN WITNESS WHEREOF, the Insurer indicated above has caused this Policy to be signed by its President and Secretary, but this Policy shall not be effective unless also signed by the Insurer's duly authorized representative.

President
Secretary
Authorized Representative
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 25 HISCOX INSURANCE COMPANY INC. (A Stock Company)
104 South Michigan Avenue, Suite 600, Chicago, Illinois 60603 INT D001 01 10 Page 1 of 1
Forms and Endorsements Schedule
Forms and Endorsements made part of this policy at time of issue:

CGL D001 10 18 - Commercial General Liability Declarations INT D001 01 10 - Forms and Endorsements Schedule
CGL E5410 CW (03/10) - Policy Changes
CG 20 26 07 04 - Additional Insured - Designated Person or Organization Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 26 Endorsements
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 27 Hisco
x Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CGL E5410 CW (03/10) Includes copyrighted material of Insurance Services Office, Inc., with its permission.


POLICY CHANGES
This
endorsement will not be used to decrease coverage, increase rates or deductibles or alter any terms or con- ditions of coverage unless at the sole request of the insured.

The fol
lowing item(s):
 Insured's Name  Insured's Mailing Address
 Policy Number  Company
 Effective/Expiration Date  Insured's Legal Status/Business of Insured  Payment Plan  Premium Determination
 Additional Interested Parties  Coverage Forms and Endorsements  Limits/Exposures  Deductibles
 Covered Property/Located Description  Classification/Class Codes  Rates  Underlying Insurance
is (are) changed to read {See Additional Page(s)}:

The above am
endments result in a change in the premium as follows:
 NO CHANGES  TO BE ADJUSTED

AT AUDIT

ADDITIONAL PREMIUM RETURN PREMIUM
$ $
X
X
P100.194.884.7
Voices Translation and Interpreting Services
21 07/09/2024
Page
1 of 2
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 28 CGL E5410 CW (03/10) Includes copyrighted material of Insurance Services Office, Inc., with its permission.

POLICY CHANGES ENDORSEMENT DESCRIPTION
It is understood and agreed that effective 07/09/2024, Endorsement # 22 entitled Additional Insured - Designated Person or Organization is added.

All other terms and conditions remain unchanged.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 29 Hiscox Insurance Company Inc.

Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 20 26 07 04 © ISO Properties, Inc., 2004 Page 1 of 1 ADDITIONAL INSURED – DESIGNATED

PERSON OR ORGANIZATION
This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE
Name Of Additional Insured Person(s) Or Organization(s) Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

Section II – Who Is An Insured is amended to in-
clude as an additional insured the person(s) or organi- zation(s) shown in the Schedule, but only with respect
to liability for "bodily injury", "property damage" or
"personal and advertising injury" caused, in whole or
in part, by your acts or omissions or the acts or omis- sions of those acting on your behalf:

A. In the performance of your ongoing operations; or
B. In connection with your premises owned by or
rented to you.

P100.194.884.7
Voices Translation and Interpreting Services
22 07/09/2024
City of Goleta
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 30 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE

THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS.

INSURER(S) AFFORDING COVERAGE
INSURER F :

INSURER E :

INSURER D :

INSURER C :

INSURER B :

INSURER A :

NAIC #
NAME:

CONTACT
(A/C, No):

FAX
E-MAIL
ADDRESS:

PRODUCER
(A/C, No, Ext):

PHONE

INSURED
REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or 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).

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.

OTHER:
(Per accident)
(Ea accident)
$
$
N / A
SUBR
WVD
ADDL
INSD

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. $ $
$
$PROPERTY DAMAGE
BODILY INJURY (Per accident)
BODILY INJURY (Per person)

COMBINED SINGLE LIMIT
AUTOS

AUTOSAUTOS

NON-OWNED

HIRED AUTOS

SCHEDULEDALL OWNED

ANY AUTO

AUTOMOBILE LIABILITY
Y / N

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY
OFFICER/MEMBER EXCLUDED?
(Mandatory in NH)
DESCRIPTION OF OPERATIONS below
If yes, describe under

ANY PROPRIETOR/PARTNER/EXECUTIVE
$
$
$
E.L. DISEASE - POLICY LIMIT
E.L. DISEASE - EA EMPLOYEE
E.L. EACH ACCIDENT
ER
OTH-

STATUTE
PER

LIMITS(MM/DD/YYYY)

POLICY EXP
(MM/DD/YYYY)

POLICY EFF

POLICY NUMBERTYPE OF INSURANCELTR
INSR
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)

EXCESS LIAB
UMBRELLA LIAB $EACH OCCURRENCE
$AGGREGATE
$
OCCUR

CLAIMS-MADE
DED RETENTION $
$PRODUCTS - COMP/OP AGG
$GENERAL AGGREGATE
$PERSONAL & ADV INJURY
$MED EXP (Any one person)
$EACH OCCURRENCE

DAMAGE TO RENTED
$PREMISES (Ea occurrence)

COMMERCIAL GENERAL LIABILITY

CLAIMS-MADE OCCUR
GEN'L AGGREGATE LIMIT APPLIES PER:

POLICY PRO-

JECT LOC

CERTIFICATE OF LIABILITY INSURANCE

DATE (MM/DD/YYYY)

CANCELLATION

AUTHORIZED REPRESENTATIVE
ACORD 25 (2016/03)
© 1988-2015 ACORD CORPORATION. All rights reserved.

CERTIFICATE HOLDER
The ACORD name and logo are registered marks of ACORD
MTTU
Hiscox Inc. d/b/a/ Hiscox Insurance Agency in CA
5 Concourse Parkway
Suite 2150
Atlanta GA, 30328
(888) 202-3007
[email protected]
Hiscox Insurance Company Inc 10200
Voices Translation and Interpreting Services
47 Dearborn Place #24
Goleta, CA 93117
City Of Goleta
04/06/202504/06/2024P100.194.884.7Y
X
A
X
X
Each Claim: $ 1,000,000
Aggregate: $ 1,000,000
Professional LiabilityA 04/06/202504/06/2024P100.194.352.7Y 1,000,000
100,000
5,000
1,000,000
2,000,000
S/T Gen. Agg.
07/09/2024
By Sandra Rodriguez at 2:41 pm, Jul 09, 2024
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 31 Hiscox Insurance Company Inc.

Your Insurance Documents
Enclosed you will find the policy documents that make up your insurance contract with us.

Please read through all of these documents. If you have any questions or need to update any of your information please call us at 844-357-0840 (Mon-Fri, 7am-10pm ET).

Your insurance documents
Declarations Page
This contains specific policy information, such as the limits and deductibles you have selected.

Policy Wording
This details the terms and conditions of your coverage, subject to policy endorsements.

Endorsements
These documents modify the Policy Wording or Declarations Page. These include relevant terms and conditions as required by your state and are part of your policy.

Notices
These documents provide information that may affect your coverage such as optional terrorism coverage (if purchased) and other important items required by your state.

Application Summary
This is a summary of the information that you provided to us as part of your application. Please review this document and let us know if any of the information is incorrect.

Reporting a claim
Please inform us immediately if you have a claim or loss to report. Please have your policy number available, which can be found on the declarations page, so we can handle your call quickly. Contact us via the methods below or file a claim using our online form at
https://www.hiscox.com/manage-your-policy/claims-center.

Email: [email protected]
Phone: 866-424-8508
Mail: Hiscox Claims Center
5 Concourse Parkway
Suite 2150
Atlanta, GA 30328
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 32 Declarations Page
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 33 HISCOX INSURANCE COMPANY INC. (A Stock Company)
104 South Michigan Avenue, Suite 600, Chicago, Illinois 60603 (914) 273-7400
DPL D001 CW (11/19) Page 1
Professional Liability Errors & Omissions Insurance Declarations This is a "Claims Made and Reported" Policy in which Claim Expenses are included within the Limit of Liability unless otherwise noted. Those words (other than the words in the captions) which are printed in Boldface are defined in the Policy.

Declaration Effective Date:

April 6, 2024
Policy No.: P100.194.352.7
Renewal of: P100.194.352.6

1. Named Insured: Voices Translation and Interpreting Services

2. Address: 47 Dearborn Place #24
Goleta, CA 93117
Email Address: [email protected]

3.A. Limit of Liability: $1,000,000 Each Claim

3.B. $1,000,000 Aggregate for all Claims

4. Deductible: $500 Each Claim

5. Notice: Phone:

Email:

Mail:
866-424-8508
[email protected]
Hiscox
5 Concourse Parkway, Suite 2150
Attn: Direct Claims
Atlanta GA, 30328

6. Policy period: From:

April 6, 2024 To: April 6, 2025
At 12:01 A.M. (Standard Time) at the address shown above.

7. Retroactive Date: March 1, 2002

8. Premium: $400.00

9. Attachments:

DPL D001 CW (11/19) - Professional Liability Errors & Omissions Insurance Declarations DPL P001 CW (05/13) - Professional Liability Coverage Form DPL E5424 CW (02/15) - Blanket Additional Insured Endorsement DPL E5039 CW (01/10) - Translating/Interpretation Services Endorsement DPL E5102 CA (01/10) - California Amendatory Endorsement DPL E1901 CW (08/21) - Cyber Incidents Exclusion Endorsement DPL E1919 CW (03/23) - War, Civil War, Cyberwarfare, and NCBR Exclusion Endorsement DPL E1918 CW (03/23) - Cannabis Exclusion Endorsement
INT N003 CW (01/19) - Policyholder Notice Electronic Delivery Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 34 HISCOX INSURANCE COMPANY INC. (A Stock Company)
104 South Michigan Avenue, Suite 600, Chicago, Illinois 60603 (914) 273-7400
DPL D001 CW (11/19) Page 2
INT N001 CW (01/09) - Economic And Trade Sanctions Policyholder Notice IN WITNESS WHEREOF, the Insurer indicated above has caused this Policy to be signed by its President and Secretary, but this Policy shall not be effective unless also signed by the Insurer's duly authorized representative.

President
Secretary
Authorized Representative
Date: April 6, 2024
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 35 Policy Wording
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 36 © Hiscox Inc. All rights reserved. DPL P001 CW (05/13)

PROFESSIONAL LIABILITY – US DIRECT

ERRORS AND OMISSIONS INSURANCE
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 37 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. 2 PROFESSIONAL LIABILITY – US DIRECT

ERRORS AND OMISSIONS

ABOUT THIS
POLICY

The Hiscox Professional Liability – US Direct policy is designed to offer coverage for the risks entities face in performing their Professional Services. We urge You to read this Policy carefully so You understand the insurance that You have purchased, and the full extent of Your and Our rights and duties under this Policy. Please note that all words and phrases that appear in bold-type (except headings) have special meaning and are defined in the Definitions section of this Policy. Coverage for all Claims is subject to the entire terms and conditions of the policy.

Coverage for Claims Made Against You

You have purchased insurance that provides coverage for Claims made against You.

We will pay Damages on Your behalf for any Claim that falls within the Insuring Agreement and within all of the terms and conditions outlined in the policy. Covered Claims are for Your Wrongful Acts in providing or failing to provide Professional Services. To determine who is an Insured please refer to the Definitions and Spousal and Domestic Partner section of the policy. Additionally, for coverage to apply, You must comply with all Your obligations as outlined in the Notice of Claims, Notice of Potential Claims, and the rest of the policy . The most We will pay is outlined in the Limits of Liability Section and items We will not pay are outlined in the Exclusions section. You are responsible for payments as outlined in the Deductible section.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 38 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. 3 PROFESSIONAL LIABILITY – US DIRECT

ERRORS AND OMISSIONS
In consideration of the premium charged and in reliance on the statements made and information provided to Us, including but not limited to the statements made and information provided in and with the Application, which is made a part of this Policy, as well as subject to the Limits of Liability, the Deductible and all of the terms, conditions, limitations and exclusions of this Policy, We and You agree as follows:

I. INSURING

AGREEMENT,

DEFENSE AND

SETTLEMENT

A. INSURING AGREEMENT

We shall pay on Your behalf Damages and Claim Expenses in excess of the Deductible resulting from any covered Claim that is first made against You during the Policy Period and reported to Us pursuant to the terms of the Policy for Wrongful Acts committed on or after the Retroactive Date.

We shall also pay on Your behalf all Supplemental Payments in connection with any covered Claim that is first made against You during the Policy Period and reported to Us pursuant to the terms of the Policy for Wrongful Acts committed on or after the Retroactive Date . No Deductible shall apply to Supplemental Payments.

B. DEFENSE

1. We shall have the right and the duty to defend any covered Claim, even if such Claim is groundless, false or fraudulent.

2. We shall have the right to appoint defense counsel upon being notified of such Claim.

3. Notwithstanding paragraph 2., We shall have no obligation to pay Claim Expenses until You have satisfied the applicable Deductible.

4. Our duty to defend shall terminate upon the exhaustion of the Limit of Liability as set forth in Item 3. of the Declarations.

C. SETTLEMENT

1. We shall have the right to solicit and negotiate settlement of any Claim.

2. We shall not, however, enter into a settlement without Your prior consent, which consent shall not be unreasonably withheld.

3. If You shall refuse to consent to any settlement recommended by Us, Our liability for such Claim shall not exceed the amount for which such Claim could have been settled plus Claim Expenses incurred up to the date of such refusal.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 39 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. 4 PROFESSIONAL LIABILITY – US DIRECT

ERRORS AND OMISSIONS
II. NOTICE OF

CLAIMS AND

NOTICE OF

POTENTIAL
CLAIMS

A. NOTICE OF CLAIMS

1. As a condition precedent to any coverage under this Policy, You shall give written notice to Us of any Claim as soon as practicable, but in all events no later than:

a. the end of the Policy Period (or any purchased Optional Extended Reporting Period); or
b. 60 days after the end of the Policy Period (or any purchased Optional Extended Reporting Period) so long as such Claim is made within the last 60 days of such Policy Period (or any purchased Optional Extended Reporting Period).

2. Such notice shall be sent to Us at the address set forth in Item 5. of the Declarations.

3. Such notice shall include any and all documents related to such Claim, including every demand, notice, summons or other applicable information received by You or by Your representative.

B. NOTICE OF POTENTIAL CLAIMS

If You first become aware during the Policy Period of any Wrongful Act that might be reasonably likely give rise to a covered Claim, You may give written notice to Us of such potential Claim during the Policy Period. Such notice must include to the fullest extent possible:

1. the identity of the potential claimant;

2. the identity of the person(s) who allegedly committed the Wrongful Act;

3. the date of the alleged Wrongful Act ;

4. specific details of the alleged Wrongful Act; and

5. any written notice from the potential claimant describing the Wrongful Act.

If such notice is accepted as a “potential Claim,” then any actual Claim that is subsequently made shall be deemed to have been first made on the date such “potential Claim” was first reported to Us.

Provided, however, You may not report “potential Claims” during any purchased Optional Extended Reporting Period.

C. OPTIONAL EXTENDED REPORTING PERIOD

1. If We or the Named Insured cancel or non-renew this Policy (as described by Endorsement hereto), then the Named Insured shall have the right to purchase for an additional premium an Optional Extended Reporting Period . Provided, Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 40 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. 5 PROFESSIONAL LIABILITY – US DIRECT

ERRORS AND OMISSIONS
however, the right to purchase an Optional Extended Reporting Period shall not apply if:

a. this Policy is canceled by Us for nonpayment of premium (as described by Endorsement hereto); or
b. the total premium for this Policy has not been fully paid.

2. The Optional Extended Reporting Period will apply only to Claims that:

a. are first made against You and reported to Us during such Optional Extended Reporting Period; and
b. are for Wrongful Acts committed on or after the Retroactive Date but prior to the effective date of cancellation or non-renewal (as described by Endorsement hereto).

3. The additional premium for such Optional Extended Reporting Period shall not exceed 200% of the annualized expiring premium for an Optional Extended Reporting Period of 3 years.

The additional premium for such Optional Extended Reporting Period shall be fully earned at the inception of such Optional Extended Reporting Period.

4. Notice of election and full payment of the additional premium for the Optional Extended Reporting Period must be received within 30 days after the effective date of cancellation or non-renewal (as described by Endorsement hereto). In the event the additional premium is not received within the 30 days, any right to purchase the Optional Extended Reporting Period shall lapse and no further Optional Extended Reporting Period shall be offered.

The Limits of Liability applicable during any purchased Optional Extended Reporting Period shall be the remaining available Limits of Liability under this canceled or non-renewed Policy (as described by Endorsement hereto). There shall be no separate or additional Limit of Liability available for any purchased Optional Extended Reporting Period and the purchase of any Optional Extended Reporting Period shall in no way increase the Limit of Liability set forth in Item 3. of the Declarations.

III. EXCLUSIONS

This Policy does not apply to and We shall have no obligation to pay any Damages, Claim Expenses or Supplemental Payments for any Claim:

A. based upon or arising out of any actual or alleged fraud, dishonesty, criminal conduct, or any knowingly wrongful, malicious, or intentional acts or omissions; provided, however, that:

1. We will pay Claim Expenses until there is a final adjudication establishing such conduct, at which time You shall reimburse Us for such Claim Expenses; and

2. this exclusion shall not apply to otherwise covered intentional acts or omissions resulting in a Personal Injury.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 41 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. 6 PROFESSIONAL LIABILITY – US DIRECT

ERRORS AND OMISSIONS

B. based upon or arising out of any actual or alleged gaining of any profit or advantage to which You were not legally entitled.

C. based upon or arising out of any actual or alleged wrongful termination, retaliation or discrimination against or harassment of any past, present, future or potential Employee, including but not limited to any violations of federal, state or local statutory or common law.

D. based upon or arising out of any actual or alleged Wrongful Act that:

1. was committed prior to the Retroactive Date;

2. has been the subject of any notice given under any other policy of which this Policy is a renewal or replacement; or

3. You had knowledge of prior to the Policy Period and had a reasonable basis to believe that such Wrongful Act could give rise to a Claim; provided, however, that if this Policy is a renewal or replacement of a previous policy issued by Us providing materially identical coverage, the Policy Period referred to in this paragraph will be deemed to refer to the inception date of the first such policy issued by Us.

E. brought by or on behalf of any federal, state or local government agency or professional or trade licensing organization; provided, however, this exclusion shall not apply to claims brought in their capacity as a client receiving Your Professional Services.

F. brought by or on behalf of one Insured against another Insured.

G. brought by or on behalf of any person or entity maintaining Effective Control of You.

H. based upon or arising out of any actual or alleged violation of the following laws, including any similar provisions of any federal, state or local statutory or common law:

1. the Securities Act of 1933 (as amended);

2. the Securities Exchange Act of 1934 (as amended);

3. any state blue sky or securities laws (as amended);

4. the Racketeer Influenced and Corrupt Organizations Act, 18 U.S.C. § 1961 et seq. (as amended);

5. the Employee Retirement Income Security Act of 1974 (as amended);

including any rules or regulations promulgated thereunder.

I. based upon or arising out of any actual or alleged obligation under any Workers’ Compensation, Unemployment Compensation, Employers Liability or Disability Benefit Law, including any similar provisions of any federal, state or local statutory or common law.

J. based upon or arising out of any actual or alleged liability of others that You assume under any contract or agreement unless such liability would have attached in the absence of such contract or agreement.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 42 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. 7 PROFESSIONAL LIABILITY – US DIRECT

ERRORS AND OMISSIONS

K. based upon or arising out of any actual or alleged Bodily Injury or Property Damage.

L. based upon or arising out of any actual, alleged or threatened discharge, dispersal, release or escape of Pollutants, including any direction or request to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize Pollutants.

M. based upon or arising out of any actual or alleged infringement of any copyright, trademark, trade dress, trade name, service mark, service name, title, slogan or patent or theft of trade secret.

N. based upon or arising out of any actual or alleged false or deceptive advertising of Your goods or services or misrepresentation in advertising of Your goods or services, including but not limited to any wrongful description of prices of Your goods or services or the quality or performance of Your goods or services.

O. based upon or arising out of any actual or alleged breach of contract or breach of any implied or express warranty or guarantee; provided, however, this Exclusion shall not apply to:

1. any obligation you have to perform your Professional Services with reasonable skill or care; or

2. any liability You would have had in absence of such contract, warranty or guarantee.

P. based upon or arising out of any actual or alleged violation of any federal, state or local statutes, ordinances or regulations regarding or relating to unsolicited telemarketing, solicitations, emails, faxes or any other communications of any type or nature, including but not limited to any “anti-spam” and “do-not-call” statutes, ordinances, or regulations.

Q. based upon or arising out of any actual or alleged failure to procure or maintain adequate insurance or bonds.

R. based upon or arising out of any actual or alleged failure to protect any non-public, personally identifiable information in Your care, custody or control.

S. based upon or arising out of any actual or alleged actuarial services, medical or nursing services, insurance agent/broker services, legal services or services as an architect or engineer.

IV. LIMITS OF

LIABILITY,

DEDUCTIBLE

AND RELATED
CLAIMS

A. LIMIT OF LIABILITY

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ERRORS AND OMISSIONS
Regardless of the number of Claims made during the Policy Period (or applicable Extended Reporting Period ), the maximum that We shall be liable to pay for all covered Damages, Claim Expenses and Supplemental Payments shall be as follows:

1. The amount set forth in Item 3.A. of the Declarations as “Each Claim” shall be the maximum amount for each covered Claim.

2. The amount set forth in Item 3.B. of the Declarations as “Aggregate for all Claims” is the maximum amount for all Claims combined.

3. Notwithstanding 1. and 2. above, Our liability for Supplemental Payments shall not exceed $250 per day for each Insured up to $5,000 per Claim, which amounts shall reduce the amounts described in 1. and 2. above.

B. DEDUCTIBLE

1. We shall not be responsible for payment of Damages or Claims Expenses until the Deductible amount has been satisfied.

2. We may at Our discretion advance payment of Damages or Claims Expenses within the Deductible amount on Your behalf, but You shall reimburse Us for any such amounts as soon as We request such reimbursement.

3. No Deductible amount shall apply to Supplemental Payments.

C. RELATED CLAIMS

For purposes of the applicable Deductible and Limit of Liability, all Claims based upon or arising out of continuous, repeated, related or interrelated Wrongful Acts shall be considered a single Claim first made against You in the Policy Period the first such Claim was made.

V. OTHER

MATTERS

AFFECTING

COVERAGE

A. ESTATES, HEIRS, LEGAL REPRESENTATIVES, SPOUSES & DOMESTIC

PARTNERS

This Policy shall apply to Claims brought against:

1. the heirs, executors, administrators, trustees in bankruptcy, assignees and legal representatives of any Insured in the event of such Insured’s death or disability; or

2. the legal spouse or legal domestic partner of any Insured;

but only:

1. for the Wrongful Acts of such Insured; or
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ERRORS AND OMISSIONS

2. in connection with their ownership interest in property which the claimant seeks as recovery for actual or alleged Wrongful Acts of such Insured.

B. INSURED DUTY TO COOPERATE

You shall have the duty to cooperate with Us in the defense, investigation and settlement of any Claim, including but not limited to:

1. upon request, submit to examination and interrogation under oath by Our representative;

2. attend hearings, depositions and trials as requested by Us;

3. assist in securing and giving evidence and obtaining the attendance of witnesses;

4. provide written statements to Our representative and meet with such representative for the purpose of investigation and/or defense; and

5. provide all documents We may reasonably require.

C. INSURED OBLIGATION NOT TO INCUR EXPENSE OR ADMIT LIABILITY

You shall not, except at Your own cost, make any payment, incur any expense, admit any liability, settle any Claim or assume any obligation without Our prior consent.

D. ACTION AGAINST THE INSURER

No action shall be taken against Us unless:

1. You have complied fully with all the terms and conditions of this Policy; and

2. the amount of Your obligation to pay shall have been finally determined either by judgment against You after actual trial, or by written agreement between You, Us and the claimant.

No person or organization shall have any right under this Policy to join Us as a party to any Claim against You nor shall We be impleaded by You or Your legal representatives in any such Claim.

E. OTHER INSURANCE

This Policy shall be excess insurance over any other valid and collectable insurance available to You, whether such other insurance is stated to be primary, contributory, excess, contingent or otherwise, unless such other insurance is written only as a specific excess insurance over the Limit of Liability provided in this Policy.

F. SUBROGATION

1. In the event of any payment by Us under this Policy, We shall be subrogated to all of Your rights of recovery to such payment.

2. You shall do everything that may be necessary to secure and preserve such subrogation rights, including but not limited to the execution of any documents necessary to allow Us to bring suit in Your name.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 45 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. 10 PROFESSIONAL LIABILITY – US DIRECT

ERRORS AND OMISSIONS

3. You shall do nothing to prejudice such subrogation rights without first obtaining Our written consent.

4. Any recovery shall first be paid to Us up to the amount of any Damages, Claim Expenses or Supplemental Payments that We have paid. Any remaining amounts shall be paid to You.

5. Notwithstanding the above, no subrogation shall be had against any Insured.

G. ALTERATION AND ASSIGNMENT

No change in, modification of or assignment of interest under this Policy shall be effective unless made by written endorsement to this Policy signed by Our authorized representative.

H. REPRESENTATIONS

As a condition precedent of Our obligations under this Policy, You represent that:

1. the statements and representations made by You in the Application are true and are the basis of the Policy and are to be considered as incorporated into and constituting a part of this Policy;

2. the statements and representations made by You in the Application shall be deemed material to the acceptance of the risk assumed by Us under the Policy;

3. this Policy is issued in reliance upon the truth of the statements and representations made by You in the Application; and

4. in the event the Application contains misrepresentations which materially affect the acceptance of the risk assumed by Us under this Policy, this Policy shall be void ab initio.

I. BANKRUPTCY OR INSOLVENCY

Your bankruptcy or insolvency shall not relieve Us of any of Our obligations under this Policy.

J. TERRITORY

This Policy shall apply to Wrongful Acts committed anywhere in the world, provided that any action, arbitration, or other proceeding for, in relation to, or arising from the Claim is brought within the United States, its territories or possessions, or Canada.

K. FALSE OR FRAUDULENT CLAIMS

If any Insured shall commit fraud in proffering any Claim or regarding the amount or otherwise, this Insurance shall become void as to such Insured from the date such fraudulent claim is proffered.

L. NAMED INSURED RESPONSIBILITIES
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ERRORS AND OMISSIONS

It shall be the responsibility of the Named Insured to act on behalf of all other Insureds with respect to the following:

1. giving and receiving notice of cancellation and/or non-renewal (as described by Endorsement hereto);

2. payment of premium

3. receipt of return premiums;

4. acceptance of changes to this Policy; and

5. payment of Deductibles.

M. EXAMINATION OF YOUR BOOKS AND RECORDS

We may examine and audit Your books and records as they related to this Policy at any time during the Policy Period (or any purchased Optional Extended Reporting Period) or up to three years after the end of the Policy Period (or any purchased Optional Extended Reporting Period).

N. TITLES

Titles of sections of and endorsements to this Policy are inserted solely for convenience of reference and shall not be deemed to limit, expand or otherwise affect the provisions to which they relate.

VI. DEFINITIONS

A. Application means the signed application for the Policy, whether submitted on-line, over the phone or on paper, including any attachments and other materials or statements submitted in conjunction therewith. If this Policy is a renewal or replacement of a previous policy or policies issued by Us, Application shall also include all signed applications and other materials that were submitted therewith and attached thereto.

B. Bodily Injury means physical injury to or sickness, disease or death of a person, or mental injury, mental anguish, emotional distress, pain or suffering, or shock sustained by a person.

C. Claim means any written demand for Damages or for non-monetary relief.

D. Claim Expenses means the following that are incurred by Us or by You with Our prior written consent:

1. all reasonable and necessary fees, costs and expenses (including the fees of attorneys and experts) incurred in the investigation, defense and appeal of a Claim; and

2. premiums on appeal bonds, attachment bonds or similar bond. Provided, however, We shall have no obligation to apply for or furnish any such bonds.

Claim Expenses shall not mean and We shall not be obligated to pay:

1. salaries, wages or expenses other than Supplemental Payments; or Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 47 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. 12 PROFESSIONAL LIABILITY – US DIRECT

ERRORS AND OMISSIONS

2. the defense of any criminal investigation, criminal grand jury proceeding, or criminal action.

E. Damages means a monetary judgment or monetary award that You are legally obligated to pay (including pre- or post-judgment interest) or a monetary settlement negotiated by Us with Your consent.

Damages shall not mean and We shall not be obligated to pay:

1. fines, penalties, taxes, sanctions levied against You;

2. any punitive or exemplary damages or that portion of any multiplied damages award which exceeds the damage award so multiplied, provided, however, that, if such damages are otherwise insurable under applicable law and regulation, We will pay an award of punitive or exemplary damages in excess of the Deductible and up to a maximum sum of $250,000. This limit shall be a part of and not in addition to the Limit of Liability set forth in Items 3. of the Declarations;

3. the return, reduction or restitution of Your fees, commissions, profits, or charges for goods provided or services rendered, including any over-charges or cost over-runs;

4. liquidated damages; or

5. Your cost of complying with injunctive relief.

F. Effective Control means:

1. ownership of more than 50% of the issued and outstanding voting securities; or

2. having the right pursuant to written contract, by-laws, charter, operating agreement or similar documents to elect, appoint or designate a majority of the board of directors, management committee members of a partnership or the members of the management board of a limited liability company (or equivalent management structure).

G. Employee means any past, present or future:

1. employee (including any part-time, seasonal or temporary employee or any volunteer);

2. partner, director, officer, member or board member (or equivalent position);

3. independent contractor; or

4. leased worker;

of an Organization, but only in their performance of Professional Services on behalf of or at the direction of such Organization.

H. Insured means You or Your.

I. Named Insured means the individual, corporation, partnership, limited liability company, limited partnership, or other entity set forth in Item 1 of the Declarations.

J. Optional Extended Reporting Period means any applicable Optional Extended Reporting Period contemplated by the OPTIONAL EXTENDED REPORTING PERIOD Clause.

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ERRORS AND OMISSIONS
K. Organization means the Named Insured and any Subsidiary.

L. Personal Injury means injury, other than Bodily Injury, arising out of one of more of the following offenses:

1. false arrest, detention or imprisonment;

2. malicious prosecution;

3. wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of premises;

4. slander, libel, defamation or disparagement of goods, products or services; or

5. oral or written publication of material in connection with Your advertising that violates a person’s right of privacy.

M. Policy Period means the period of time set forth in Item 6. of the Declarations.

N. Pollutants means any solid, liquid, gaseous, biological, radiological or thermal irritant or contaminant, including smoke, vapor, dust, fibers, mold, spores, fungi, germs, soot, fumes, acids, alkalis, chemicals and Waste. “Waste” includes, but is not limited to, materials to be recycled, reconditioned or reclaimed and nuclear materials.

O. Professional Services means only those services specified in Endorsement to this Policy as performed by or on behalf of an Organization for others for a fee or other compensation.

P. Property Damage means physical loss of or physical damage to or destruction of any tangible property, including the loss of use thereof. For purposes of this definition, “tangible property” shall not include electronic data.

Q. Retroactive Date means the date set forth in Item 7. of the Declarations.

R. Subsidiary means:

1. any entity of which the Named Insured has Effective Control (“ Controlled Entity”) on or before the Policy Period, either directly or indirectly through one or more Controlled Entities;

2. any entity of which the Named Insured forms or acquires Effective Control during the Policy Period , either directly or indirectly through one or more Controlled Entities , but only for the first 90 days after such formation or acquisition (or until the end of the Policy Period , whichever is earlier).

Provided, however, with respect to a Subsidiary described in paragraph 2. of this definition, We shall only cover Claims alleging Wrongful Acts committed while the Named Insured had Effective Control of such Subsidiary, either directly or indirectly through one or more Controlled Entities.

An entity ceases to be a Subsidiary once the Named Insured no longer has Effective Control of such entity, either directly or indirectly through one or more Controlled Entities, and this Policy will not respond to Claims made against such entity thereafter.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 49 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. 14 PROFESSIONAL LIABILITY – US DIRECT

ERRORS AND OMISSIONS
S. Supplemental Payments means the reasonable expenses incurred by You, including loss of wages, if You are required by Us to attend arbitration proceedings or trial in the defense of a covered Claim.

T. We, Us, Our or Insurer means the insurance company set forth in the Declarations.

U. Wrongful Act means any actual or alleged breach of duty, negligent act, error, omission or Personal Injury committed by You in the performance of Your Professional Services.

V. You or Your means any:

1. Organization;

2. Employee;

3. joint venture in which an Organization participates pursuant to written agreement, but only for:

a. Wrongful Acts committed by such Organization; and
b. the percentage of otherwise covered Damages and Claims Expenses in proportion to such Organization’s participation in the joint venture.

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Policy Number:

Named Insured:

Endorsement Number:

Endorsement Effective:

DPL E5424 CW (02/1) Includes copyrighted material of Insurance Services Office, Inc., with its permission.

E5424.1 Blanket Additional Insured Endorsement (PL)
In consideration of the premium char ged, it is understood and agreed that the Policy is amended as follows:

1. In Clause VI. DEFINITIONS, paragraph V ., “’You’ or ‘Your’,”is amended to include the following at the end thereof:

You or Your shall also include any Additional Insured but only for the Wrongful Acts of those contemplated in paragraphs 1., 2. or 3. of the definition of ”’You’ or ‘Your’”:

2. The following definition is added to Clause VI. DEFINITIONS:

AI-A. Additional Insured means any person(s) or organization(s) with whom You have agreed in a written contract or agreement to add them as an additional insured to a policy providing the type of coverage afforded by this Policy, provided the contract or agreement:

1. is currently in effect or becomes effective during the Policy Period; and

2. was executed before the Professional Services from which the Claim arises were performed.

3. In Clause III. EXCLUSIONS, paragraph F. is deleted in its entirety and replaced with the following:

F. brought by or on behalf of one Insured against another Insured; provided, however, this Exclusion will not apply to any Claim brought by an Additional Insured in any capacity other than that of an Additional Insured.

All other terms and conditions remain unchanged.

P100.194.352.7
Voices Translation and Interpreting Services
1 04/06/2024
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Endorsement 2
NAMED INSURED: Voices Translation and Interpreting Services Translating/Interpretation Services Endorsement Page 1 of 1 In consideration of the premium charged, it is understood and agreed that the Policy is amended as follows:

1. In Clause VI. DEFINITIONS, paragraph O., “Professional Services,” is amended to read as follows:

O. Professional Services means the below listed services performed for others for compensation:

1. translating or interpreting services.

2. Clause III. EXCLUSIONS is amended to include the following at the end thereof:

This Policy does not apply to and We shall have no obligation to pay any Damages, Claim Expenses, or Supplemental Payments for any Claim:

TI-A. based upon or arising out of any actual or alleged disclosure, sale or distribution of any forms or documents that is not authorized and/or consented to by the owner of such forms or documents.

All other terms and conditions remain unchanged.

Endorsement effective: April 6, 2024 Policy No.: P100.194.352.7 Endorsement No: 2
By: Kevin Kerridge
(Appointed Representative)
DPL E5039 CW (01/10)
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Endorsement 3
NAMED INSURED: Voices Translation and Interpreting Services California Amendatory Endorsement Page 1 of 3
This endorsement modifies insurance provided under the following:

PROFESSIONAL LIABILITY - ERRORS AND OMISSIONS INSURANCE In consideration of the premium charged, it is understood and agreed that the Policy is modified as follows:

1. Section V.

OTHER MATTERS AFFECTING COVERAGE is amended to include the following at the end thereof:

CANCELLATION
Notice of Cancellation
A. The Named Insured may cancel this Policy by giving Us advance written notice stating when thereafter such cancellation shall be effective. If the Named Insured cancels this Policy, the refund may be less than pro rata. Provided, however, if this Policy shall be cancelled by the Named Insured within 14 days of the inception of the Policy Period without having submitted a Claim, We shall return in full any premium amount actually paid to Us. In such event, the effective date of cancellation shall be deemed to be the inception date of the Policy Period.

B. Policies In Effect For 60 Days or Less
If this Policy has been in effect for sixty (60) days or less, and is not a renewal of a Policy We have previously issued, We may cancel this Policy by mailing or delivering to the Named Insured at the mailing address shown in the Declarations and to the producer of record, if any, advance written notice of cancellation stating the reason for cancellation at least :

Ten (10) days before the effective date of cancellation if We cancel for:
(a) Non-payment of premium; or
(b) Discovery of fraud by:
i. The Insured or the Insured's representative in obtaining this insurance; or ii. The Insured or the Insured's representative in pursuing a Claim under the Policy.

Thirty (30) days before the effective date of cancellation if We cancel for any other reason.

C. Policies In Effect For More Than 60 Days
If this Policy has been in effect for more than sixty (60) days, We may also cancel this Policy by mailing or delivering to the Named Insured at the address shown in the Declarations, the producer of record, if any, written notice, including the reason for cancellation, stating when not less than thirty (30) days thereafter (or ten (10) days thereafter when cancellation is due to non-payment of premium or discovery of fraud), the cancellation shall be effective.

We may only cancel this Policy for one or more of the following reasons:
(a) Nonpayment of premium, including payment due on a prior policy issued by Us and due during the current policy term covering the same risks;
(b) Discovery of fraud or material misrepresentation by:
i. The
Insured or the Insured's representative in obtaining this insurance; or ii. The Insured or the Insured's representative in pursuing a Claim under the Policy.

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Endorsement 3
NAMED INSURED: Voices Translation and Interpreting Services California Amendatory Endorsement Page 2 of 3
(c) A judgment by a court or an administrative tribunal that the Insured has violated a California or Federal law, having as one of its necessary elements an act which materially increases any of the risks insured against;
(d) Discovery of willful or grossly negligent acts or omissions, or of any violations of state laws or regulations establishing safety standards, by the Insured or the Insured's representative, which
materially increase any of the risks insured against;
(e) Failure by the Insured or the Insured's representative to implement reasonable loss control requirements, agreed to by the Insured as a condition of policy issuance, or which were conditions precedent to Our use of a particular rate or rating plan, if that failure materially increases any of the risks insured against;
(f) A determination by the Commissioner of Insurance that the i. Loss of, or changes in, our
reinsurance covering all or part of the risk would threaten Our financial integrity or solvency; or
ii. Continuation of the policy coverage would:
a. Place Us in violation of California law or the laws of the state where We are domiciled; or
b. Threaten Our solvency.
(g) A change by the Insured or the Insured's representative in the activities or property of the commercial or industrial enterprise, which results in a materially added, increased or changed risk, is included in the Policy.

D. The mailing of the notice of cancellation shall be sufficient proof of notice and this Policy shall terminate at the date and hour specified in such notice. If We cancel this Policy, any return premium shall be calculated pro rata. Payment or tender of any unearned premium by Us shall not be a condition precedent to the effectiveness of the cancellation, but such payment shall be made as soon as practicable.

Nonrenewal
A. If We elect not to renew this Policy, We will mail or deliver to the Named Insured written notice of nonrenewal, stating the reason for nonrenewal, not less than sixty (60) days, but not more than one hundred twenty (120) days before the end of the Policy Period.

We will mail the notice of nonrenewal to the Named Insured at the last mailing address known Us. If the notice of nonrenewal is mailed, proof of mailing will be sufficient proof of notice.

B. We are not required to send notice of nonrenewal in the following situations:
(a) If the transfer or renewal of a policy, without any changes in terms, conditions or rates, is between Us and a member of
Our insurance group.
(b) If the policy has been extended for 90 days or less, provided that notice has been given in accordance with paragraph A above.

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Endorsement 3
NAMED INSURED: Voices Translation and Interpreting Services California Amendatory Endorsement Page 3 of 3
(c) If the Named Insured has obtained replacement coverage, or if the Named Insured has agreed, in writing, within 60 days of the termination of the Policy, to obtain that coverage. (d) If the Policy is for a period of no more than 60 days and the Named Insured is notified at the time of issuance that it will not be renewed.
(e) If the Named Insured requests a change in the terms or conditions or risks covered by the Policy within 60 days of the end of the Policy Period.
(f) If We made a written offer to the Named Insured, in accordance with the timeframes shown in paragraph A above, to renew the Policy under changed terms or conditions or at an increased premium rate, when the increase exceeds 25%.

2. Section VII. DEFINITIONS, Paragraph E Damages, is modified to the extent necessary to provide the following:

Punitive and exemplary damages shall not be insurable in cases where California law governs the Claim.

3. The Policy is amended by adding the following Clause at the end thereof:

Policy Conflicts
To the extent any term or condition contained in the Policy or any Endorsement attached thereto conflicts with any term or condition contained in this or any other State Amendatory Endorsement attached to the Policy, such terms and conditions most favorable to the Insured shall apply.

All other terms and conditions remain unchanged.

Endorsement effective: April 6, 2024 Policy No.: P100.194.352.7 Endorsement No: 3
By: Kevin Kerridge
(Appointed Representative)
DPL E5102 CA (01/10)
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Endorsement 4
NAMED INSURED: Voices Translation and Interpreting Services Cyber Incidents Exclusion Endorsement Page 1 of 1
In consideration of the premium charged, it is understood and agreed that the Policy is amended as follows:

1. In Clause III. EXCLUSIONS, Exclusion R. is deleted in its entirety and replaced with the following:

R. based upon or arising out of any actual or alleged:

1. unauthorized acquisition, access, use, or disclosure of, improper collection or retention of, or failure to protect any non-public personally identifiable information or confidential corporate information that is in
Your care, custody, or control;

2. violation of any privacy law or consumer data protection law protecting against the use, collection, or disclosure of any information about a person or any confidential corporate information;

3. total or partial damage to, loss, corruption, deterioration, destruction, or alteration of, or the inability or impaired ability to access or manipulate any electronic data, software, electronic databases, computers, or any part of a computer system or network;

4. denial of service or delay, disruption, impairment, failure, or outage of any part of a computer system or network;

5. unauthorized or unlawful access to any electronic data or any part of a computer system or network, including through the transmission of any malicious code, such as a computer virus, worm, logic bomb, malware, spyware, Trojan horse, or other fraudulent or unauthorized computer code; or

6. threat, hoax, or demand relating to subparts 1 through 5 above.

All other terms and conditions remain unchanged.

Endorsement effective: April 6, 2024 Policy No.: P100.194.352.7 Endorsement No: 4
By: Kevin Kerridge
(Appointed Representative)
DPL E1901 CW (08/21)
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Endorsement 5
NAMED INSURED: Voices Translation and Interpreting Services War, Civil War, Cyberwarfare, and NCBR Exclusion Endorsement Page 1 of 2 In consideration of the premium charged, it is understood and agreed that the Policy is amended as follows:

1. The following is added to the end of Clause III. EXCLUSIONS:

This Policy does not apply to and We will have no obligation to pay any Damages, Claim Expenses, or Supplemental Payments for any Claim:

WC-A. based upon or arising out of, directly or indirectly occasioned by, happening through, or in consequence of:

1. war, invasion, acts of foreign enemies, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military, or usurped power;

2. confiscation, nationalization, requisition, destruction of, or damage to property by or under the order of any government, public, or local authority;

3. Cyberwarfare
, to the extent not otherwise excluded by paragraph 1; or

4. any NCBR Malicious Act.

2. For purposes of this Endorsement, the following definitions apply:

Cyberwarfare means any:

1. unauthorized access to, or use, alteration, corruption, damage, manipulation, misappropriation, theft, deletion, or destruction of, any computer hardware or electronic data;

2. creation, transmission, or introduction into a computer system, computer network, or electronic data of a computer virus or harmful code; or

3. restriction or inhibition of access to a computer system, computer network, or electronic data, including through a denial-of-service (DoS) attack,
committed by, or on behalf of, a
State.

In determining by whom any action listed in parts 1. through 3. above is committed, We will consider to whom any governing body (including the governing body's intelligence, law enforcement, or military services) attributes such action, regardless of whether:

A. the computer system, computer network, or electronic data is physically located within the jurisdiction of that governing body; or
B. there are inconsistent statements within different branches or agencies of that governing body (including intelligence, law enforcement, or military services) as to whom the action is attributable to.

However, if:
i. a governing body has not attributed any such action to a State, or any person, group, association, or entity acting on the
State's behalf; and
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 58 Hiscox Insurance Company Inc.

Endorsement 5
NAMED INSURED: Voices Translation and Interpreting Services War, Civil War, Cyberwarfare, and NCBR Exclusion Endorsement Page 2 of 2 ii. there is at least one Media Report or a cybersecurity forensic firm report indicating that such action is attributed to a State or any person, group, association, or entity acting on the State's behalf,
then We will not pay any Damages, Claim Expenses, or Supplemental Payments resulting from any action listed in parts 1. through 3. above until any governing body attributes such action to a State or any person, group, association, or entity acting on the State's behalf.

If a governing body does not attribute such action to a State or any person, group, association, or entity acting on the State's behalf, or declares it is unable to do so, then a Media Report or cybersecurity forensic firm report will be conclusive evidence that the act was committed by, or on behalf of, a
State.

For purposes of this definition, "Media Report" means an article published by the Associated Press, Reuters, Wall Street Journal, or the British Broadcasting Corporation.

For purposes of this definition, "State" means a sovereign state, state-like entity, quasi-state, proto- state, or a state-sponsored actor or group.

NCBR
Malicious Act
means an act or series of acts that harms another person or damages property through the physical release or dispersal of Nuclear,
Chemical, Biological, or Radiological Agents or
Materials, which is carried out by any person or group of persons, whether acting alone, on behalf of, or in connection with any organization.

Nuclear,
Chemical,
Biological, or
Radiological
Agents or
Materials
means:

1. nuclear reaction, nuclear radiation or radioactive particles, whether released or dispersed by nuclear or conventional devices;

2. any chemical compound; or

3. any pathogen,
in sufficient concentration to cause harm to people or damage to property.

All other terms and conditions remain unchanged.

Endorsement effective: April 6, 2024 Policy No.: P100.194.352.7 Endorsement No: 5
By: Kevin Kerridge
(Appointed Representative)
DPL E1919 CW (03/23)
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 59 Hiscox Insurance Company Inc.

Endorsement 6
NAMED INSURED: Voices Translation and Interpreting Services Cannabis Exclusion Endorsement Page 1 of 1
In consideration of the premium charged, it is understood and agreed that the Policy is amended as follows:

1. The following is added to the end of Clause III. EXCLUSIONS:

This Policy does not apply to and We shall have no obligation to pay any Damages, Claim Expenses, or Supplemental Payments for any Claim:

CA-1. based upon or arising out of, directly or indirectly occasioned by, or in consequence of:

1. the design, cultivation, manufacture, storage, transport, processing, packaging, handling, testing, distribution, sale, serving, furnishing, possession, protection, or disposal of Cannabis by anyone;

2. the actual, alleged, threatened, or suspected use, inhalation, ingestion, absorption, or consumption of, contact with, exposure to, existence of, or presence of Cannabis by anyone; or

3. the performance of or failure to perform any services or operations of any kind, including but not limited to any banking, advisory, consulting, legal, compliance, financial, design, or logistical services, in connection with or relating to
Cannabis.

This exclusion applies even if the Claim against any Insured alleges negligence or other wrongdoing in the supervision, hiring, employment, training, or monitoring of others by that Insured.

2. The following is added to the end of Clause VI. DEFINITIONS:

CA-A. Cannabis means any good or product that consists of or contains any amount of Tetrahydrocannabinol (THC) or any other cannabinoid, regardless of whether any such THC or cannabinoid is natural or synthetic.

Cannabis includes but is not limited to any of the following containing such THC or cannabinoid:

1. any plant of the genus Cannabis L., or any part thereof, such as seeds, stems, flowers, stalks and roots; or

2. any compound, byproduct, extract, derivative, mixture or combination, such as:
a. resin, oil or wax;
b. hash or hemp; or
c. infused liquid or edible cannabis;
whether or not derived from any plant or part of any plant set forth in paragraph 1 above.

All other terms and conditions remain unchanged.

Endorsement effective: April 6, 2024 Policy No.: P100.194.352.7 Endorsement No: 6
By: Kevin Kerridge
(Appointed Representative)
DPL E1918 CW (03/23)
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 60 Notices
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 61 Policyholder Notice
Electronic Delivery

INT N003 CW (01/19)
If you received your insurance policy by email, it is because you have chosen electronic delivery of your policy documents and important notices, including cancellation and nonrenewal notices where permitted by law. We also will send any renewal policy documents to you by email at the address you have provided.

If you are currently receiving paper documents and would like to have ease of retrieval and access and save on storage space, you will need to contact us and update your preferences. Most documents can be sent electronically within minutes. For electronic documents, you will need a computer or mobile device with Internet access and the ability to receive external emails. You also will need software such as Adobe Reader® that allows you to view and save PDF documents, and a printer to create paper copies.

At any time you may request a paper copy of your policy, or you may withdraw your consent to receive documents by email. We will then send documents to you by US mail at no added cost.

You must notify us if your email or street address changes. To update your email or street address, or to request paper documents, please contact us at 888-202-3007.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 62 Hiscox Insurance Company Inc.

ECONOMIC AND TRADE SANCTIONS POLICYHOLDER NOTICE

I
NT N001 CW 01 09 Page 1 of 1

Hiscox is committed to complying with the U.S. Department of Treasury Office of Foreign Assets Control (OFAC) requirements. OFAC administers and enforces economic sanctions policy based on Presidential declarations of national emergency. OFAC has identified and listed numerous foreign agents, front organizations, terrorists, and narcotics traffickers as Specially Designated Nationals (SDN’s) and Blocked Persons. OFAC has also identified Sanctioned Countries. A list of Specially Designated Nationals, Blocked Persons and Sanctioned Countries may be found on the United States Treasury’s web site http://www.treas.gov/offices/enforcement/ofac/.

E
conomic sanctions prohibit all United States citizens (including corporations and other entities) and permanent resident aliens from engaging in transactions with Specially Designated Nationals, Blocked Persons and Sanctioned Countries. Hiscox may not accept premium from or issue a policy to insure property of or make a claim payment to a Specially Designated National or Blocked Person. Hiscox may not engage in business transactions with a Sanctioned Country.

A Specially Designated National or Blocked Person is any person who is determined as such by the Secretary of Treasury.

A Sanctioned Country is any country that is the subject of trade or economic embargoes imposed by the laws or regulations of the United States.

In accordance with laws and regulations of the United States concerning economic and trade embargoes, this policy may be rendered void from its inception with respect to any term or condition of this policy that violates any laws or regulations of the United States concerning economic and trade embargoes including, but not limited to the following:

(1) Any insured under this Policy, or any person or entity claiming the benefits of such insured, who is or becomes a Specially Designated National or Blocked Person or who is otherwise subject to US economic trade sanctions;

(2) Any claim or suit that is brought in a Sanctioned Country or by a Sanctioned Country government, where any action in connection with such claim or suit is prohibited by US economic or trade sanctions;

(3) Any claim or suit that is brought by any Specially Designated National or Blocked Person or any person or entity who is otherwise subject to US economic or trade sanctions;

(4) Property that is located in a Sanctioned Country or that is owned by, rented to or in the care, custody or control of a Sanctioned Country government, where any activities related to such property are prohibited by US economic or trade sanctions; or

(5) Property that is owned by, rented to or in the care, custody or control of a Specially Designated National or Blocked Person, or any person or entity who is otherwise subject to US economic or trade sanctions.

Please read your Policy carefully and discuss with your broker/agent or insurance professional. You may also visit the US Treasury’s website at http://www.treas.gov/offices/enforcement/ofac/ .

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 63 From: Rebecca Eggeman
To: David Cutaia; Sandra Rodriguez
Subject: Re: Voices Insurance Approval
Date: Tuesday, July 9, 2024 2:48:58 PM
Hi David,
Yes, that looks good.

(Sandra can file it with the waiver file when she does the COI review.) Thanks,
Rebecca
From: David Cutaia <[email protected]>
Sent: Tuesday, July 9, 2024 2:46 PM
To: Rebecca Eggeman <[email protected]>; Sandra Rodriguez <[email protected]>
Subject: FW: Voices Insurance Approval

Is the below sufficient?

From: viviana marsano <[email protected]>
Sent: Monday, July 8, 2024 7:22 PM
To: David Cutaia <[email protected]>
Subject: Re: Voices Insurance Approval

CAUTION: This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe.

Hi David,

Here is my car insurance attached. It is a long document. You can see my card on page 3 and the policy on page 9 of the document.

Regarding workers' compensation, I don't have any employees. I will see if my liability insurance sends me the correct certificate of insurance tomorrow. Sorry for all the mess. I thought they would send me something current.

Thanks
Viviana

On Monday, July 8, 2024 at 04:35:47 PM PDT, David Cutaia <[email protected]> wrote:

Viviana, Please see the below email and let your insurance know of the lack of auto and workers comp, we will also need the endorsement,

thank you.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 64 --

David J. Cutaia, CMC
Deputy City Clerk
805-961-7509

From: Sandra Rodriguez <[email protected]>
Sent: Monday, July 8, 2024 4:25 PM
To: David Cutaia <[email protected]>
Subject: RE: Voices Insurance Approval

Hi David,

The agreement required that the vendor provides general and professional liability insurance, workers compensation, and auto insurance. However, the vendor provided expired general and professional liability and did not provide auto or workers compensation.

Additionally, they need to provide a copy of the additional ensured endorsement and list the City of Goleta (and the address) under “certificate holder.” Please ask that they provide us with this information.

Thank you.

From: David Cutaia <[email protected]>
Sent: Monday, July 8, 2024 4:10 PM
To: Sandra Rodriguez <[email protected]
>
Subject: RE: Voices Insurance Approval

Sandra, please see revised insurance certificate.

--

David J. Cutaia, CMC
Deputy City Clerk
805-961-7509

From: Sandra Rodriguez <[email protected]>
Sent: Wednesday, July 3, 2024 10:30 AM
To: David Cutaia <[email protected]>
Subject: RE: Voices Insurance Approval

Hi David,

We require that all vendors submit insurance in an Acord CG 00 01 form. Therefore, we can’t accept the insurance provided this vendor. Also, they need to provide proof of general and professional liability insurance, workers compensation, and auto insurance. Please refer them to section 10 of the agreement.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 65 Thanks.

From: David Cutaia <[email protected]>
Sent: Wednesday, July 3, 2024 9:39 AM
To: Sandra Rodriguez <[email protected]>
Subject: Voices Insurance Approval

Good morning Sandra,

Attached is the Insurance for a Professional Services agreement with Voices. I have also attached the draft agreement for reference.

--

David J. Cutaia, CMC
Deputy City Clerk
805-961-7509

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 66 Important Insurance Documents Enclosed
P.O. BOX 39700 COLORADO SPRINGS CO 80949--9700
103

VIVIANA MARSANO
47 Dearborn Pl Apt 24
Goleta CA 93117-3519
1931171
ERCA0
POLREV

INSURANCE CHECKLIST
Verify the coverages, vehicles and drivers listed in the Policy Declarations and be sure the coverages meet your current needs.

Retain the enclosed documents for your records.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 67 PAGE INTENTIONALLY LEFT BLANK
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 68 INSURED:

EFFECTIVE DATE
YEAR

EXPIRATION DATE

MAKE/MODEL

POLICY NUMBER
VIN
FOR CLAIMS OR CUSTOMER SERVICE:

UP-1600 (08/99)
INSURED:

EFFECTIVE DATE
YEAR

EXPIRATION DATE

MAKE/MODEL

POLICY NUMBER
VIN
FOR CLAIMS OR CUSTOMER SERVICE:

UP-1600 (08/99)
NAIC# NAIC#
1- 1-

CALIFORNIA CASUALTY

INDEMNITY EXCHANGE
P.O. BOX 39700
COLORADO SPRINGS CO 80949-9700

CALIFORNIA

EVIDENCE OF MOTOR VEHICLE LIABILITY INSURANCE
20117

MARSANO, VIVIANA
47 DEARBORN PL APT 24
GOLETA, CA 93117-3519
07/11/2024 07/11/2025 1031931171
2014 HONDA CIVIC 19XFB2F59EE206967
800-800-9410

FOR TOWING & EMERGENCY ROADSIDE ASSISTANCE CALL
EXPRESS SERVICE 1-800-331-7350

CALIFORNIA CASUALTY

INDEMNITY EXCHANGE
P.O. BOX 39700
COLORADO SPRINGS CO 80949-9700

CALIFORNIA

EVIDENCE OF MOTOR VEHICLE LIABILITY INSURANCE
20117

MARSANO, VIVIANA
47 DEARBORN PL APT 24
GOLETA, CA 93117-3519
07/11/2024 07/11/2025 1031931171
2014 HONDA CIVIC 19XFB2F59EE206967
800-800-9410

FOR TOWING & EMERGENCY ROADSIDE ASSISTANCE CALL
EXPRESS SERVICE 1-800-331-7350
These are your vehicle insurance identification cards as required by state law. Please keep one copy of this card in the described motor vehicle along with your vehicle registration card. One copy of this card is for registration purposes, if required in your state; otherwise please keep in your wallet.

Please verify that the Vehicle Identification Number (VIN) on your vehicle matches the VIN on both your identification card and your registration. If the number on your identification card is incorrect, please call our Customer Service Department to have the identification card reissued with the correct VIN. If the VIN on the registration is incorrect contact your local Department of Motor Vehicles to have the registration corrected.

UP-1268 (08/99)
If your car needs to be repaired after an accident, you will receive fast and dependable service at a Guaranteed Repair Network shop. Ask a claims representative for more information!
PL-335B (08/99)
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 69 IF YOU HAVE AN ACCIDENT OR LOSS, IMMEDIATELY REPORT THE FOLLOWING INFORMATION TO CLAIMS:

NAME, ADDRESS AND PHONE NUMBER OF THE OTHER DRIVER(S)

DRIVERS LICENSE NUMBER(S) OF THE OTHER DRIVER(S)

LICENSE PLATE NUMBER(S) OF THE OTHER VEHICLE(S)

INSURANCE COMPANY AND POLICY NUMBER OF THE OTHER DRIVER(S)

AND VEHICLE(S)

NAME, ADDRESS AND PHONE NUMBER OF PERSON(S) INJURED

IF YOU HAVE AN ACCIDENT OR LOSS, IMMEDIATELY REPORT THE FOLLOWING INFORMATION TO CLAIMS:

NAME, ADDRESS AND PHONE NUMBER OF THE OTHER DRIVER(S)

DRIVERS LICENSE NUMBER(S) OF THE OTHER DRIVER(S)

LICENSE PLATE NUMBER(S) OF THE OTHER VEHICLE(S)

INSURANCE COMPANY AND POLICY NUMBER OF THE OTHER DRIVER(S)

AND VEHICLE(S)

NAME, ADDRESS AND PHONE NUMBER OF PERSON(S) INJURED
FOR TOWING & EMERGENCY ROADSIDE ASSISTANCE (ANYWHERE IN THE U.S. OR CANADA), CALL EXPRESS SERVICE AT 1-800-331-7350 . LIMITED SERVICE IS

AVAILABLE FOR MOTORHOMES, CAB-OVER CAMPERS AND PICK-UPS EXCEEDING 3/4 TON. YOU HAVE THE OPTION OF ARRANGING FOR YOUR OWN ROADSIDE SERVICE OR TOWING TO THE NEAREST PLACE OF REPAIR. SUBMIT THE BILL TO CLAIMS AT THE ADDRESS SHOWN ON THIS ID CARD.

FOR TOWING & EMERGENCY ROADSIDE ASSISTANCE (ANYWHERE IN THE U.S.

OR CANADA), CALL EXPRESS SERVICE AT 1-800-331-7350 . LIMITED SERVICE IS

AVAILABLE FOR MOTORHOMES, CAB-OVER CAMPERS AND PICK-UPS EXCEEDING 3/4 TON. YOU HAVE THE OPTION OF ARRANGING FOR YOUR OWN ROADSIDE SERVICE OR TOWING TO THE NEAREST PLACE OF REPAIR. SUBMIT THE BILL TO CLAIMS AT THE ADDRESS SHOWN ON THIS ID CARD.

THIS CARD MUST BE CARRIED IN THE INSURED MOTOR VEHICLE FOR PRODUCTION UPON DEMAND.

THIS POLICY MEETS THE REQUIREMENTS OF CALIFORNIA VEHICLE CODE SECTION 16056.

THIS CARD MUST BE CARRIED IN THE INSURED MOTOR VEHICLE FOR PRODUCTION UPON DEMAND.

THIS POLICY MEETS THE REQUIREMENTS OF CALIFORNIA VEHICLE CODE SECTION 16056.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 70 Customer Service: 1-
Monday - Friday
Saturday
P.O. BOX 39700
COLORADO SPRINGS CO 80949
800-800-9410
6:00 A.M. 6:00 P.M.
8:00 A.M. 12:00 P.M. (PT)
Your automobile policy number: 103 1931171
Dear Viviana Marsano,
Thank you for renewing your automobile insurance policy with us , and for being a loyal, long-term customer. As a California Casualty policyholder, you continue to receive specialized coverage at discounted rates. We appreciate the opportunity to provide you with excellent service and protection - a central mission of our company since our founding in 1914.

For accuracy, please review the enclosed insurance policy documents. To ensure that your current coverage fits your life today, we invite you to call us for a complimentary policy review. You can reach one of our award winning customer service team members at 1-800-800-9410. If you prefer to manage your account online and have access to your documents anytime from anywhere, visit www.calcas.com/go-paperless-new.

We are striving to be more than just your insurance company - we want to be a valuable resource, too. Please visit www.Safercar.gov today to learn if your vehicle(s) have had a safety recall. It only takes a moment, and is free. For additional information, such as tips on getting the most out of your insurance and seasonal driving suggestions, check out our blog at www.mycalcas.com.

We thank you again for trusting us to protect what's important to you.

Sincerely,
Lisa Pearne
VP Sales & Service
California Casualty
P.S. Did you know that Identity Theft Protection is included with every California Casualty policy for free? Please visit www.calcas.com for details.

M-120 (04/15)
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 71 PAGE INTENTIONALLY LEFT BLANK
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 72 IMPORTANT INFORMATION REGARDING YOUR AUTOMOBILE POLICY Examine Your Policy Carefully
Please examine your policy carefully, paying particular attention to the coverages, limits and deductible amounts shown on your declarations page; and make sure the policy has been processed according to your instructions. If you find any errors, please contact us immediately.

By not contacting us, you are confirming the accuracy of the information contained on your declarations page. It is important to contact us anytime your circumstances change (e.g. when you or a household member moves) as changes may affect policy coverage.

If your coverage is with the California Casualty Indemnity Exchange, the Underwriters Agreement confirms your membership in the Exchange.

Are Your Liability Limits Adequate?
The decision as to what Bodily Injury and Property Damage liability limits are adequate for your personal situation rests with you. We encourage you to consider whether your current limits are adequate and potentially purchase higher limits, particularly if you own a home or have other assets. Higher limits decrease the chance that you will be personally liable for paying part of a judgment if you are found at fault in a serious accident.

Transportation Network Company Exclusion
If you participate as a driver for a Transportation Network Company (Uber, Lyft, etc.), it is important for you to understand that there is no coverage provided under your policy with us once you are logged into a "transportation network platform". Any vehicle used for this purpose should be removed from this policy and you should seek appropriate insurance coverage from a company that can offer the protection you need for this type of usage.

Why Your Automobile Premium May Increase
General rate increases are mostly due to increased claims costs. However, some of the more common reasons for individual premium increases are:

The addition of a driver;
Changes in the number or type of covered vehicles;
Changes in coverage, deductible or limits;
The garaging location of a covered vehicle changes;
Information about the risk which differs from that on your application for insurance; Loss of a discount;
At fault accident caused by a permissive operator;
A ticket or accident is charged against your driving record.

Some premium increases may result from a variety of factors not specified above that are both lawful and not unfairly discriminatory.

Please contact a Customer Care Specialist at 1-800-800-9410 if you wish to discuss your coverage, limits, deductibles, premium or any other aspect of your insurance coverage.

U-120A CA (02/18)
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 73 PAGE INTENTIONALLY LEFT BLANK
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 74 Coverage provided by:

Home Office: San Mateo, CA
For questions on your policy or to report a loss,
call 800-800-9410. This document can be viewed
at calcas.com/My-Account.

California Casualty Indemnity Exchange

AUTOMOBILE POLICY DECLARATIONS

RENEWAL
Your policy is billed by E-Z Pay. Billing
information will be mailed separately.

NAMED INSURED(S):

Marsano, Viviana
47 Dearborn Pl Apt 24
Goleta, CA 93117-3519
POLICY NUMBER:

Effective Expiration
POLICY PERIOD:
12:01 A.M. Standard Time at the
Named Insured's address of record
07/11/24 07/11/25103 1931171
Residence Type: Unknown
e: [email protected]
Vehicle ID Number:Outline of Coverage for the
Vehicle Type:
2014 HONDACIVIC 19XFB2F59EE206967
Automobile
Garaged at: 47 Dearborn Pl Apt 24, Goleta, CA 93117-3519 Loss Payee(s): GOLDEN ONE CU
Annual Mileage on current policy term: Vehicle Usage:

Annual Mileage on previous policy term:
7,000 Work 30-149
7,000
Coverage is provided where a premium is shown. See your Policy Contract for coverage details.

Coverage Limits Deductible Premium
Bodily Injury Liability
Property Damage Liability
Uninsured Motorists
Other Than Collision
Collision
Towing and Labor Costs
Transportation Expense
$1,000,000/$1,000,000 Each Person/Each Accident
$100,000 Each Accident
$30,000/$60,000 Each Person/Each Accident
Actual Cash Value Subject to Deductible
Actual Cash Value Subject to Deductible
Broad Coverage Applies
Optional Limits Apply $30 Per Day/$900 Maximum
$50
$250
$407.00
$290.00
$47.00
$88.00
$558.00
$33.00
$8.00
Vehicle Premium Subtotal $1,431.00
CA Anti-Fraud Fee $1.76
Total Vehicle Premium with Fees $1,432.76
The following discounted factors have been applied to this vehicle:

Platinum Discount
UP-1176 CA (09/22) Page: of1 2
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Home Office: San Mateo, CA
For questions on your policy or to report a loss,
call 800-800-9410. This document can be viewed
at calcas.com/My-Account.

California Casualty Indemnity Exchange
Policy Number: 103 1931171
Premium Summary
$2014 HONDA CIVIC 1,432.76
Covid Premium Credit: $ -55.00CR
Total Policy Premium with Fees: $ 1,377.76
You have the right to be informed, upon request, of any increase in premium, in whole or in part, charged to you due to involvement in any accident or moving citation conviction by yourself or any operator of the motor vehicle.

Lienholder Information
We send certain notices such as coverage summaries and cancellation notices to the following:

Vehicle Interest(s)
2014 HONDA CIVIC GOLDEN ONE CU
Drivers and Household Members
Name Marital Status Driver Type Assigned VehicleYrs Exp* 2014 HONDA CIVICVIVIANA LEONOR MARSA 52 Single Principal * Number of years the rated driver has been licensed to drive.

Driver Level Discounts

VIVIANA LEONOR MARSANO
Good Driver Discount Safe Driving Discount
Policy Level Discounts
Persistency Discount Affinity Group Member
Your Automobile policy consists of the Declarations and documents listed below. Please keep this information for your records.

The following documents apply to your entire policy.

PP2316 1013 Personal Vehicle Sharing Program Exclusion Endorsement UP-1148 CA Uninsured Motorists Coverage Elections
PP1301 1299 Coverage for Damage to Your Auto Exclusion Endorsement PP0321 0105 Limited Mexico Coverage
PP0301 0886 Federal Employees Using Autos in Government Business CFRMSIG 0612 Signature Page
PCCA99 0306 Supplementary Exclusions - California
PP0001 0105 Personal Auto Policy
PCCA98 0616 Coverage Enhancements - California
PC0099 0900 Special Provisions Endorsement
PC0169 0914 Amendment of Policy Provisions - California CM0092 1109 Educators Waiver of Premium Benefit
PC0097 1023 Educators Coverage Enhancements
The following documents apply to your 2014 HONDA CIVIC
PP0305 0886 Loss Payable Clause
PP0302 0698 Optional Limits Transportation Expenses Coverage PP0487 0610 Uninsured Motorist Coverage - California
PC0303 0713 Towing and Labor Costs Coverage
UP-1176 CA (09/22) Page: of2 2
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Pay Plans, Service Charges & Fees
The following payment plan options are available to all customers:

1. 2.

3. Annual - This plan requires the pre-payment of the full annual policy premium. There are no service charges associated with this option. 5-Pay Installment - This plan consists of 5 installments to be paid during the policy period with each installment including a $5 installment charge. Regardless of the number of policies issued per household (property and auto), the $5 installment charge will apply to only one policy.

E-Z Pay Installment (Electronic Funds Transfer) -
12 Pay - 12 monthly deductions.
10 Pay - 10 monthly deductions.

Each installment includes a $2 service charge. Regardless of the number of policies issued per household (property and auto), the $2 service charge will apply to only one policy.

Please refer to your Declarations page to see your selected payment plan. If you would like to change your payment plan, please contact Customer Service.

A $10 late fee will be assessed when policy payment is not received by the due date on the Premium Invoice, or in the event a scheduled E-Z Pay deduction is rejected by your banking institution. To avoid this late fee, we suggest that you mail your payment at least 5-7 business days before the due date to allow for mail time. If you currently pay through E-Z Pay, be sure to have the funds available for deduction through your bank or credit union.

A $40 rewrite fee will be assessed if your policy cancels for non-payment of premium and is rewritten to a new policy within 60 days of cancellation. After 60 days, you will have to re-qualify as a new account and you will lose any credit you might be receiving for the number of current and continuous years of renewal persistency.

SUser
California Casualty Indemnity Exchange
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 77 PAGE INTENTIONALLY LEFT BLANK
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 78 CALIFORNIA

OPTIONS TO CUSTOMIZE YOUR AUTOMOBILE POLICY
Save money while meeting your insurance needs! Not sure how you are saving or what coverages you have? This form tells you. It also tells you what other options you have.

WAYS TO SAVE

Below are ways you may be able to increase your savings. The savings you now receive on at least one auto are checked ( ) below and are shown on your Policy Declarations Page. Please call Customer Service today at 1-800-800-9410 to find out if you can save more!
Group Discount
As a member of one of our affinity groups, you will save more.

Auto-Home Discount
If you have an active property and auto policy with us you save!

Away At School
Does your full-time student attend school over 100 miles from home? Is he or she without a vehicle? If yes, you may save more!
California Good Driver Discount
Do you meet the requirements of the California Good Driver law? If yes, you will receive a 20% premium discount on all coverages.

Driver Safety
Any tickets or accidents? If no, you save more!

Driver Training Discount
Have any drivers been licensed less than 9 years? You may save more when they complete a driver education course.

Good Student Discount
Did a driver in your household earn a "B" average or 3.0+ GPA on a 4.0 scale? Is he or she a full time high school or college student? If yes and he or she has been licensed for 8 years or less, you may be able to save.

Higher Deductible
Can you afford a higher share in the event of a loss? If so, you can lower your premium with higher deductibles.

Mature Driver Discount
Are you or your spouse age 50 or older? Have you completed a state approved accident prevention course? If so, you may be eligible for additional savings!
Multi-Car Discount
Insure more than one auto with us and save!

Persistency
Loyalty deserves savings! Your savings increase the longer you are insured with us.

Rate Levels
If you meet additional driving activity requirements you automatically save more. Your Policy Declarations will list Platinum or Gold Star rate level if you are already receiving this savings.

Safe Driving Discount
The longer you've been with us without an accident or major conviction, the more you can save! UP-1319 CA AU (12/21) Page: of1 2CALIFORNIA CASUALTY INDEMNITY EXCHANGE Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 79 MEET YOUR NEEDS
Your insurance protects you, your passengers and the investment in your auto. The options you now have on at least one auto are checked ( ) below and are shown on your Policy Declarations Page. Please note that the following is not meant as a complete description of the coverages. Some restrictions may apply. If you have questions or would like to add to or change your coverage, call Customer Service today at 1-800-800-9410.

Bodily Injury Liability
Pays for bodily injury to others caused by an auto accident for which you are legally liable.

Property Damage Liability
Pays for damage to the property of others caused by an auto accident for which you are legally liable.

Medical Payments
Pays expenses for injuries to you or your passengers caused by an auto accident regardless of who is at fault.

Uninsured Motorists - Bodily Injury
Pays for bodily injury to you or your passengers caused by an uninsured or underinsured driver who is legally liable.

Uninsured Motorists - Property Damage
Pays for damage to your auto caused by an uninsured driver who is legally liable.

Other Than Collision
Pays for loss of or damage to your auto caused by other than a collision, such as theft or vandalism.

Collision
Pays for loss to your auto caused by a collision.

Transportation Expense
Do you have Collision or Other Than Collision coverage? If so, you can raise the amount of coverage for a rental vehicle if your auto is disabled from a covered loss.

Towing and Labor Costs
Covers the cost for labor where your auto is disabled and to tow your auto to the nearest repair shop.

Excess Electronic Equipment
Do you have Collision or Other Than Collision coverage? Did you install additional sound or electronic equipment in your auto? Is it worth more than the $1000 of coverage in your policy? If yes, you can buy more coverage.

Auto Loan/Lease
Covers the gap between what you owe for your auto and its market value if it is a total loss.

Motorhomes
Pickup Trucks
Vans
Classic and Antique Automobiles
Motorcycles
Trailers and Campers
Snowmobiles
Automobiles
Golf Carts
Dune Buggies
Keep in mind that we insure a wide variety of personal use vehicles. Call Customer Service today at 1-800-800-9410 for a quote on any of the following:

UP-1319 CA AU (12/21) Page: of2 2CALIFORNIA CASUALTY INDEMNITY EXCHANGE Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 80 AUTOMOBILE
PN 00 97 10 23
Important Changes in Your Auto Policy
New Coverage Enhancements For Educators
We are proud to introduce improvements to the coverage and benefits that we provide especially for educators. The following is a brief explanation of how your coverage has improved.

Educators Coverage Enhancements endorsement ( PC 00 97 10 23 ) Coverage enhancement: Supplementary Payments
We have expanded coverage for educators to now include payment for qualified business property.

This is a benefit provided to “Eligible Educator” Professional Equipment and Materials. Coverage is provided up to $500 for direct and accidental loss to property used primarily for the “business” purposes of providing, enhancing or supplementing educational instruction within the course and scope of your employment by a “school”.

Eligibility for this benefit will commence on October 1, 2023.

There is no premium charge for this benefit.

Our overview of the coverage changes may not include every change that affects your personal situation.

Please take a moment to review your Declarations page and your policy documents for detailed information about the coverages that we are providing.

As always, if you have any questions about your coverage, please contact us at the phone number provided on your Declarations page.

PN 00 97 10 23
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PC 00 97 10 23
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EDUCATORS COVERAGE ENHANCEMENTS
With respect to the coverage provided by this endorsement, the provisions of the policy apply unless modi- fied by the endorsement.

I. Definitions
For purposes of this endorsement, the following
are added to the Definitions Section:

1. "School" means an early childhood, primary,
secondary, undergraduate or graduate educa-
tional facility that is:
a. Operating within the public school system;
or
b. A private school licensed by the state in
which it is located.

2. "Administrative facility" means a facility of
the administrative staff of a "school".

3. "Association facility" means a facility of an
association of "school" employees or "scho-
ol" administrators.

4. "You" and "your" mean the "Eligible
Educator".

5. "Eligible Educator" means any person named
in the Declarations or their spouse, if a
resident of the same household, who is
employed and paid by or employed and paid
to work at a "school" or at an institution
devoted primarily to public or private ed-
ucation.

6. "Layoff" means an involuntary complete
cessation of primary full-time employment in
the field of Education due to a reduction in
force.

7. "Acceptable Proof" means a verification form
completed by the "Eligible Educator" and
signed by the entity that laid the "Eligible
Educator" off stating:
a. the date when the "layoff" takes effect;
and
b. that the "Eligible Educator" was not re-
hired by the entity.

The verification form shall also state that the
"Eligible Educator" does not have a full-time
employment of any kind at the time of
occurrence of the covered loss.

8. "Eligibility Period" means the covered loss
must occur within the period of the "Eligible
Educator's" "layoff" and no later than
December 31, 2014.

II. Part D – Coverage For Damage To Your Auto
The following provisions are added to Part D:

A. Waiver Of Deductibles

1. Collision Deductible
If "you" legally park "your covered auto"
and a "collision" loss occurs while it is
parked:
a. On or within 500 feet of the
premises of a "school"; "administrative
facility", or "association facility"; or
b. Away from "school" premises if
"you" are participating in an authorized
"school" activity or event required by
"your" employment by a "school";
we will waive the applicable deductible
for "collision" coverage shown in the
Declarations.

2. Other Than Collision Deductible
If " you" legally park "your covered auto" and
a malicious mischief or vandalism loss
occurs while it is parked:
a. On or within 500 feet of the premises of
a "school"; "administrative facility", or
"association facility"; or
b. Away from "school" premises if " you"
are participating in an authorized
"school" activity or event required by
"your" employment by a "school";
we will waive the applicable deductible for
"other than collision" coverage shown in the
Declarations.

B. Reimbursement Of Deductibles

1. If an “Eligible Educator” loses
employment as the direct and proximate
result of a “layoff” and a covered loss
under Part D involving “your covered
auto” occurs,
we agree to reimburse the applicable
Collision or Other Than Collision
deductibles as shown in the Declarations
if the “Eligible Educator”:
a. has an active auto policy with
California Casualty for the twelve
months immediately prior to the
“layoff”; and
b. provides an “acceptable proof” of
“layoff”.

2. The total deductible reimbursement
amount shall not exceed $1000.

3. The Reimbursement of Deductibles
Benefit will apply no more than once per
active California Casualty Group auto
policy during the "Eligibility Period".

PC 00 97 10 23 Page 1 of 2
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1. "Eligible Educator" Professional
Equipment and Materials
We will pay up to $500 for direct and
accidental loss to property used primarily for
the “business” purposes of providing,
enhancing or supplementing educational
instruction within the course and scope of
your employment by a “school”. This
coverage applies only when:
a. The loss is caused by fire or lightning,
while the property is in or upon “your
covered auto” and the Declarations
indicate that Other Than Collision
Coverage is provided for that vehicle.

Coverage is subject to any applicable
deductible.
b. The loss is caused by theft, while the
property is in “your covered auto” and
the Declarations indicate that Other Than
Collision Coverage is provided for that
vehicle. Coverage is subject to any
applicable deductible. You must
promptly notify the police and the
company of the loss. A loss caused by
you, any “family member” or any person
using “your covered auto” is excluded.
c. The loss is caused by “collision”, while
the property is in “your covered auto”
and the Declarations indicate that
Collision Coverage is provided for that
vehicle. Coverage is subject to any
applicable deductible.

PC 00 97 10 23 Page 2 of 2
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 83 UP-1311 CA (05/17)

IMPORTANT INFORMATION REGARDING YOUR AUTOMOBILE POLICY
Why Your Policy May Be Cancelled/Non-Renewed
Your policy may be cancelled for the following reasons:

Nonpayment of premium.

If the driver's license of you, or any driver who customarily uses your auto has been suspended or revoked during the policy period, or 180 days prior to the most recent renewal or effective date of the Policy and we had no notice of such suspension or revocation.

Discovery of fraud by the named insured in pursuing a claim under the policy.

Discovery of material misrepresentation of any of the following information concerning the named insured or any resident of the same household who customarily operates an automobile insured under the policy:
a. Safety record
b. Annual miles driven in prior years
c. Number of years of driving experience
d. Record of prior automobile insurance claims, if any. e. Any other factor found by the commissioner to have a substantial relationship to the risk of loss.

A substantial increase in the hazard insured against.

In addition to the above noted cancellation reasons, your policy may be non-renewed for the following reasons:

Nonpayment of premium
Discovery of fraud or material misrepresentation affecting the policy or insured.

A substantial increase in the hazard insured against (As defined in CA R 2632.19).

Some cancellations and non-renewals may result from a variety of factors not specified above that are both lawful and not unfairly discriminatory.

California Insurance Guarantee Association Surcharge
Companies writing property and casualty insurance business in California are required to participate in the California Insurance Guarantee Association. If a company becomes insolvent the California Insurance Guarantee Association settles unpaid claims and assesses each insurance company for its fair share.

California law requires all companies to surcharge policies to recover these assessments. If your policy is surcharged, "CA Surcharge" with an amount will be displayed on your Declarations page." Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 84 UP-1313 (02/16)
California law requires that all insurance companies inform their new customers of the address and toll-free number for the Consumer Affairs Division with the Department of Insurance and the address and phone number of the company issuing your policy:

California Department of Insurance
Consumer Affairs Division
300 South Spring Street
Los Angeles, CA 90013
1-800-927-HELP (1-800-927-4357) (calling from within California) 1-213-897-8921 (calling from outside of California)
1-800-482-4833 (TDD - Telecommunication Devices for the Deaf) www.insurance.ca.gov/01-consumers/
The law does require that you attempt to resolve any issue with your insurance company before contacting the Department of Insurance.

CALIFORNIA CASUALTY INDEMNITY EXCHANGE
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FOR THE STATE OF CALIFORNIA
UP-1321 CA (11/06) Page 1 of 2
We Respect Your Privacy. Your privacy is important to us. We work hard to protect the personal information you entrust to us. We have procedures in place to prevent misuse of this information.

Information Gathering. We gather personal information about you only in connection with the insurance that we provide to you. The information you give to us helps us to underwrite your insurance and to handle any claims you may have. Here are some categories of personal information we may gather:

Name, address, birthdate, occupation, phone number & e-mail address Policy information, including types of policies and policy numbers Social security number & credit card information
Driver's license number
Driving record
Information about drivers of your car
Information about your car
Claims history.

We gather this information from:

You
Various government agencies, like the Department of Motor Vehicles Consumer reporting agencies & insurance support organizations, like ChoicePoint.

What We Do With Your Information. We only share your personal information with others when we are permitted or required by law to do so. To better serve you, we reserve the right to share all of the information about you that we collect, but only as described in this Notice.

We may share your information with our related companies to market our own insurance products. The law allows us to do this.

By law, we can share your information with our related companies and with unrelated third parties to help us process your insurance transactions. This sharing of information helps us market our own products, underwrite policies, prevent insurance fraud, collect premiums and handle claims. For example, when you make an auto claim, we will share your name and other required information with the shop that repairs your car. Please note that information we obtain from, or provide to, an insurance support organization may be retained by that organization and disclosed to others.

From time to time we must share your information with various state Departments of Insurance and other government agencies. We will also share your information in response to a valid subpoena or other judicial order.

We do not share your information with unrelated third parties so they can market their products or services to you. If we ever decide to share customer information in this way, we will obtain your written permission before sharing your information.

How We Protect Your Information. We limit employee access to your personal information to employees who need to know this information. Also, our security measures help prevent unauthorized access to your information. We update and test our systems from time to time to enhance the level of protection we provide.

Protecting Your Privacy on Our Web Site. We know that protecting your privacy when you use our Web site involves additional concerns not discussed in this Notice. Please visit our Web site at www.calcas.com to view our online privacy policies.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 86 UP-1321 CA (11/06) Page 2 of 2
California Insurance Code Section 791.04 Notice
As noted, we may collect information about you from other sources. As described above, we may disclose that information to third parties without your authorization. You have a right to see and to correct all information we collect. We will send you a detailed notice under Section 791.04 at your request if you call us toll free at (800) 542-9390. Among other things, that detailed notice will tell you how you can view and correct the information we have collected.

Companies Making This Privacy Statement
California Casualty Management Company
California Casualty Indemnity Exchange
California Casualty Insurance Company
California Casualty & Fire Insurance Company
California Casualty General Insurance Company of Oregon California Casualty Compensation Insurance Company
Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 87 Automobile Premium Increases - California
UP-1322 CA (08/16)
California Insurance Code Section 489 requires that we inform you why your automobile insurance premiums may increase. Research has shown that operators having a history of at-fault accidents and/or convictions for minor moving citations and/or convictions for major moving citations have a greater chance of being involved in further accidents. Because of this, a surcharge will be applied to your policy causing an increase in premium if any of the following applies:

At fault automobile accidents determined to be 51% or more at fault resulting in a total payment or reserve exceeding $1,000 within the previous three years; or Convictions for a minor moving traffic citation within the previous three years; or Convictions for a major moving traffic citation within the previous seven years (if the law prevents us from canceling the policy).

You may contact Customer Service as soon as the three-year anniversary is reached for accidents or convictions of minor moving citations or the seven-year anniversary is reached for convictions of major moving citations as you may qualify for a reduction in your premium mid-term. If you do not contact Customer Service, the surcharge point(s) for such activity will be removed effective the following renewal which may result in a reduction in your premium. Activity no longer being surcharged may still be used when determining other rating factors.

Docusign Envelope ID: 39E72CB0-94E3-4A61-B9B5-D9FA17A5EA2E Docusign Envelope ID: 957AE4D0-50EE-4904-A9B0-772C112AE0EC 88 Insured's Name: Policy No.:

IMPORTANT NOTICE REGARDING

THIRD PARTY NOTIFICATION
Request to Designate a Third Party to Receive a Copy of Policy Termination Notices Insured's Name Policy Number
Address Check Policy Type: Homeowners
Automobile
Name
Street
City State Zip
Signature of Insured Date
Signature of Third Party Designee Date
UP-1342 CA (01/16)
California law permits you to designate a third party to whom we will send a duplicate copy of any notice of lapse, termination, expiration, nonrenewal, or cancellation issued to you for nonpayment of premium for your automobile and/or homeowner 's policies. If you designate a third party, then we will also send a duplicate copy of any notice of lapse, termination , expiration, nonrenewal or cancellation notice issued to you for any other reason for your automobile and/or homeowner's policies.

If you are interested in designating one person to receive such duplicate notices, you should discuss this with him/her and obtain his/her approval. Complete the lower portion of this form by:

1. Entering the third party's name and address;

2. Signing and dating this form;

3. Having the third party sign and date it; and

4. Returning it by mail to:

California Casualty
P.O. Box 39700
Colorado Springs, CO 80949-9803
Keep a copy of the completed form for your records. The third party designation will be effective no later than ten (10) business days after we receive the completed form signed by both you and the third party designee.

You may terminate or replace the third party designation by sending written notification to the designated third party and us.

I designate the following person to receive a duplicate copy of any notice described above that you might send me for the policy number shown above. Please print clearly.

I accept the designation above. I understand my designation as a third party shall not constitute acceptance of any liability on my part or the insurer for services provided to the insured. I further understand that I do not have any rights, whether as an additional insured or otherwise, to any benefits under the policy, other than the right to receive notice as provided by this section. If I decide to terminate my designation, I must send written notification to both the insured and the insurer.

MARSANO, VIVIANA 1931171

CALIFORNIA CASUALTY INDEMNITY EXCHANGE
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CALIFORNIA
UP-1357 CA (01/22)
Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

California Casualty Indemnity Exchange
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