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PPB 301 01 18 Page 5 of 10 (iii) Challenge the accuracy or com- pleteness of any information in a consumer credit report; (f) Charges for long distance telephone calls to report to, or discuss an actual “identity fraud” with: (i) Merchants; (ii) Law enforcement agencies; (iii) Financial institutions or similar credit grantors; or (iv) Credit agencies; or (g) Reasonable fees for professional finan- cial advice or professional credit advice. (2) “Identity fraud” means: The act of knowingly transferring or using, without lawful authority, a means of iden- tification of an “insured person” with the intent to commit, or to aid or abet another to commit, any unlawful activity that constitutes a violation of federal law or a felony under any applicable state or local law; and (3) “Insured person” means: (a) For sole proprietorships: The individual who is the sole proprietor of the Named Insured shown in the Declaration; (b) For partnerships: Any individual that is a partner of the Named Insured shown in the Declaration; (c) For corporations or any other type of organization: The Chief Executive Officer, and any individual who has an ownership interest of at least twenty percent (20%) of the Named Insured shown in the Declarations. c. The following additional exclusions apply to this Additional Coverage: We will not pay for: (1) Expenses incurred due to any fraudulent, dishonest or criminal act by: (a) An “insured person”; (b) Any person aiding or abetting an “insured person”; or (c) Any authorized representative of an “insured person” whether acting alone or in collusion with others; (2) Expenses incurred that are not related to the identity of an individual; or (3) Loss other than Expenses. Account bal- ances which arise out of fraudulent or unauthorized charges would be one example of loss other than Expenses. d. This Additional Coverage does not apply to Expenses otherwise covered under the Unauth- orized Business Card Use Additional Coverage. e. Regardless of the amount of the Business- owners Property Coverage Deductible shown in the Declarations, the most we will deduct from any claim for Expenses under this Additional Coverage for any one “identity fraud” is $250. f. The most we will pay under this Additional Coverage is $25,000 for the sum of all covered Expenses arising out of all “identity fraud” against an “insured person” discovered during each separate twelve (12) month period of this policy beginning with the effective date of this endorsement. g. In order for coverage to be provided under this Additional Coverage, you must send to us, within sixty (60) days after our request, receipts, bills or other records that support your claim for Expenses under “identity fraud” coverage. 10. Unauthorized Business Card Use We will pay for your loss of “money” or charges and costs you incur that result directly from the un- authorized use of credit, debit or charge cards issued in your business name, including: a. Fund transfer cards; b. Charge plates; or c. Telephone cards. The most we will pay under this Additional Coverage in any one occurrence is $5,000. 11. Utility Services – Direct Damage a. We will pay for loss of or damage to Covered Property caused by the interruption of services to the described premises. The interruption must result from direct physical loss or damage by a Covered Cause of Loss to the following property not on the described premises: (1) “Water supply services”; (2) “Communication supply services”; or (3) “Power supply services”. The most we will pay for loss or damage under this Additional Coverage in any one occurrence is $25,000 at each described premises unless a different limit is scheduled in the policy. Exhibit B Docusign Envelope ID: 7D12103B-E5DC-46A2-B6BA-3BD5268ECDA5