Beyond direct payment for loss of funds, which of the following costs are typically covered under an individual cyber insurance policy in India?

1. Cost of restoring a computer system affected by malware

2. Replacement cost of a computer wilfully damaged by a miscreant

3. Cost of hiring a specialist consultant to minimize a loss from cyber extortion

4. Cost of legal defence if a third party sues the policyholder over a covered cyber incident

Select the correct answer using the code given below.