76,178,947 Class A Common Stock of Neptune Insurance Holdings Inc. are subject to a Lock-Up Agreement Ending on 30-MAR-2026.

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Approximately 76.18 million Class A Common Stock of Neptune Insurance Holdings Inc. are under a lock-up agreement set to expire on March 30, 2026. This lock-up period, starting from September 30, 2025, restricts selling stockholders, directors, and executive officers from directly or indirectly selling or hedging these shares for 180 days without underwriter consent.

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