X0202 SCHEDULE 13G 0001537455 XXXXXXXX LIVE Common Stock, par value $0.00001 per share 06/22/2026 0002123613 Kardigan, Inc. 485925101 506 Carnegie Center Drive Suite 201 Princeton NJ 08540 Rule 13d-1(c) HRTG PV, L.P. ("HRTG PV") a DE 0 14866868 0 14866868 14866868 N 16.0 PN Row 6, 8 and 9. Excludes shares of Common Stock issuable upon the exercise of a warrant to purchase up to 876,040 shares of Common Stock (the "Warrant"). The Warrant is exercisable on a cashless basis with an exercise price of $13.42 per share. The exercise period commences upon the first date the Company achieves a valuation of $5,000,000,000. Row 11. Based on a total of 93,089,121 shares of Common Stock outstanding as of June 22, 2026, as reported by the Issuer in its prospectus filed pursuant to Rule 424(b)(4) with the Securities and Exchange Commission on June 18, 2026, assuming the underwriters' exercise of their over-allotment option. HRTG CIF 2024, L.P. ("HRTG CIF 2024") a DE 0 2050166 0 2050166 2050166 N 2.2 PN Row 11. Based on a total of 93,089,121 shares of Common Stock outstanding as of June 22, 2026, as reported by the Issuer in its prospectus filed pursuant to Rule 424(b)(4) with the Securities and Exchange Commission on June 18, 2026, assuming the underwriters' exercise of their over-allotment option. HRTG GPE, LLC ("HRTG") a DE 0 16917034 0 16917034 16917034 N 18.2 OO Row 6, 8 and 9. 14,866,868 shares of Common Stock are directly owned by HRTG PV and 2,050,166 shares of Common Stock are directly owned by HRTG CIF 2024. HRTG is the general partner of each of HRTG PV, L.P. and HRTG CIF 2024, L.P. Excludes shares of Common Stock issuable upon the exercise of a warrant to purchase up to 876,040 shares of Common Stock (the "Warrant") directly owned by HRTG PV. The Warrant is exercisable on a cashless basis with an exercise price of $13.42 per share. The exercise period commences upon the first date the Company achieves a valuation of $5,000,000,000. Row 11. Based on a total of 93,089,121 shares of Common Stock outstanding as of June 22, 2026, as reported by the Issuer in its prospectus filed pursuant to Rule 424(b)(4) with the Securities and Exchange Commission on June 18, 2026, assuming the underwriters' exercise of their over-allotment option. Kevin Anthony Kelly a X1 0 16917034 0 16917034 16917034 N 18.2 IN Row 6, 8 and 9. 14,866,868 shares of Common Stock are directly owned by HRTG PV and 2,050,166 shares of Common Stock are directly owned by HRTG CIF 2024. HRTG is the general partner of each of HRTG PV, L.P. and HRTG CIF 2024, L.P. Keith Johnson and Kevin Kelly each serve as a Managing Member of HRTG. Excludes shares of Common Stock issuable upon the exercise of a warrant to purchase up to 876,040 shares of Common Stock (the "Warrant") directly owned by HRTG PV. The Warrant is exercisable on a cashless basis with an exercise price of $13.42 per share. The exercise period commences upon the first date the Company achieves a valuation of $5,000,000,000. Row 11. Based on a total of 93,089,121 shares of Common Stock outstanding as of June 22, 2026, as reported by the Issuer in its prospectus filed pursuant to Rule 424(b)(4) with the Securities and Exchange Commission on June 18, 2026, assuming the underwriters' exercise of their over-allotment option. Keith Bryon Johnson a X1 0 16917034 0 16917034 16917034 N 18.2 IN Row 6, 8 and 9. 14,866,868 shares of Common Stock are directly owned by HRTG PV and 2,050,166 shares of Common Stock are directly owned by HRTG CIF 2024. HRTG is the general partner of each of HRTG PV, L.P. and HRTG CIF 2024, L.P. Keith Johnson and Kevin Kelly each serve as a Managing Member of HRTG. Excludes shares of Common Stock issuable upon the exercise of a warrant to purchase up to 876,040 shares of Common Stock (the "Warrant") directly owned by HRTG PV. The Warrant is exercisable on a cashless basis with an exercise price of $13.42 per share. The exercise period commences upon the first date the Company achieves a valuation of $5,000,000,000. Row 11. Based on a total of 93,089,121 shares of Common Stock outstanding as of June 22, 2026, as reported by the Issuer in its prospectus filed pursuant to Rule 424(b)(4) with the Securities and Exchange Commission on June 18, 2026, assuming the underwriters' exercise of their over-allotment option. Kardigan, Inc. 506 Carnegie Center Drive, Suite 201, Princeton, NJ, 08540 HRTG PV, L.P. HRTG CIF 2024, L.P. HRTG GPE, LLC Kevin Anthony Kelly Keith Bryon Johnson HRTG GPE, LLC ("HRTG") is the general partner of each of HRTG PV, L.P. and HRTG CIF 2024, L.P. Keith Johnson and Kevin Kelly each serve as a Managing Member of HRTG. Each of HRTG, Mr. Johnson and Mr. Kelly disclaims beneficial ownership of the securities held directly by HRTG PV, L.P. and HRTG CIF 2024, L.P., except to the extent of such person's pecuniary interest therein, if any. 5237 HHR RANCH RD, SUITE 2, WILSON, WY, 83014 HRTG PV, L.P., HRTG CIF 2024, L.P., and HRTG GPE, LLC: Delaware; Kevin Anthony Kelly and Keith Bryon Johnson: USA. Y 16,917,034. 14,866,868 shares of Common Stock are directly owned by HRTG PV and 2,050,166 shares of Common Stock are directly owned by HRTG CIF 2024. HRTG is the general partner of each of HRTG PV, L.P. and HRTG CIF 2024, L.P. Keith Johnson and Kevin Kelly each serve as a Managing Member of HRTG. Each of HRTG, Mr. Johnson and Mr. Kelly disclaims beneficial ownership of the securities held directly by HRTG PV, L.P. and HRTG CIF 2024, L.P., except to the extent of such person's pecuniary interest therein, if any. Does not include shares of Common Stock issuable upon the exercise of a warrant to purchase up to 876,040 shares of Common Stock (the "Warrant") directly owned by HRTG PV, L.P. The Warrant is exercisable on a cashless basis with an exercise price of $13.42 per share. The exercise period commences upon the first date the Company achieves a valuation of $5,000,000,000. 18.2%. The percentage is based on a total of 93,089,121 shares of Common Stock outstanding as of June 22, 2026, as reported by the Issuer in its prospectus filed pursuant to Rule 424(b)(4) with the Securities and Exchange Commission on June 18, 2026, assuming the underwriters' exercise of their over-allotment option. 0 HRTG PV, L.P.: 14,866,868 HRTG CIF 2024, L.P.: 2,050,166 HRTG GPE, LLC: 16,917,034 Kevin Anthony Kelly: 16,917,034 Keith Bryon Johnson: 16,917,034 0 HRTG PV, L.P.: 14,866,868 HRTG CIF 2024, L.P.: 2,050,166 HRTG GPE, LLC: 16,917,034 Kevin Anthony Kelly: 16,917,034 Keith Bryon Johnson: 16,917,034 Y Y Y Y Y N By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11. HRTG PV, L.P. ("HRTG PV") /s/ Kevin Anthony Kelly 06/29/2026 HRTG CIF 2024, L.P. ("HRTG CIF 2024") /s/ Kevin Anthony Kelly 06/29/2026 HRTG GPE, LLC ("HRTG") /s/ Kevin Anthony Kelly 06/29/2026 Kevin Anthony Kelly /s/ Kevin Anthony Kelly 06/29/2026 Keith Bryon Johnson /s/ Keith Bryon Johnson 06/29/2026