consultation in -network benefitout of cynanotary, llc …€¦ · cynanotary, llc (legalshield)...

Plan Design Questionnaire - 2 Group Prepaid Legal Insurance Services (rebid)

Consultation

In-Network Benefit Out-of-Network Benefit

Cynanotary, LLC (LegalShield) Unlimited phone consultations with your Provider Law Firm for any personal legal matter, even on pre-existing conditions

For all personal legal matters not otherwise outlined and/or additional assistance is needed beyond the scope of benefits outlined, the participant will be eligible to services at a 25% discount off the Provider Law Firm’s standard hourly rate. The discount does not apply to contingency fee matters or flat fee arrangements, which may be negotiated at a separate rate with the Provider Law Firm.

Hyatt Legal Plans of Florida Inc. (MetLife)

This service provides the opportunity to discuss with an attorney any personal legal problems that are not specifically excluded. The Plan Attorney will explain the Participant's rights, point out his or her options and recommend a course of action. The Plan Attorney will identify any further coverage available under the Plan, and will undertake representation if the Participant so requests.

The plan will pay a maximum of $70.

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield)

Unlimited telephone consultations on any personal legal subject matter, unless specifically excluded by the plan. The Provider Law Firm will provide advice and representation on any matter fully covered by the plan, if the matter is not fully covered, the Provider Law Firm will provide consultation on the best course of action. A Participant may call the Provider Law Firm to make an appointment for an office consultation to discuss any personal legal matter.

LegalShield does not have an out of network system.

U.S. Legal Services, Inc. Office and Telephonic consultations are unlimited for different legal matters. 1 hour per legal issue

Consumer-Seller Protection


Cynanotary, LLC (LegalShield) Consultation and document review. Trial defense services may apply.



This service covers the Participant as a plaintiff, for representation, including trial, in disputes over consumer goods and services where the amount being contested exceeds the small claims court limit in that jurisdiction and is documented in writing. This service does not include disputes over real estate, construction, insurance or collection activities after a judgment.

The plan will pay a maximum of: Correspondence and Negotiation: $500 and Filing of Suit, Ending in Settlement or Judgment: $2,000. Plus Trial Supplement *


Consultation, preparation, review, and court representation of the Participant as a plaintiff or a defendant in a legal proceeding for consumer issues, including personal property matters, in both small claims court and district court. Real estate matters not otherwise covered, appeals and execution of judgment are not covered.

U.S. Legal Services, Inc. Covered as plaintiff; includes trial. 8 hours

Preparation of Wills, Living Wills, Durable Power of Attorney, & Simple Trusts


Cynanotary, LLC (LegalShield) Consultation, preparation and review.



Wills and Codicils: This service covers the preparation of a simple or complex will for the Participant. The creation of any testamentary trust is covered. The benefit includes the preparation of codicils and will amendments. Trusts: This service covers the preparation of revocable and irrevocable living trusts for the Participant. Powers: This service covers the preparation of any power of attorney when the Participant is granting the power.

The plan will pay a maximum of: Wills: Individual: $150 and Member and Spouse: $200, Trusts: Individual: $325 and Member and Spouse: $450, Powers of Attorney: Individual $65 and Member and Spouse: $75. Living Wills: Individual: $75 and Member and Spouse: $85.


Consultation, preparation and review of a simple and complex Last Will and Testament and a codicil. Any provisions in the Will or codicil regarding estate tax planning and distribution of assets outside of the United States are not covered.Consultation, preparation, and review of revocable and irrevocable trusts, including special needs trusts, in which the Participant is the settlor. Services for estate tax planning are not covered.

U.S. Legal Services, Inc. Covered for all personal legal documents.

Individual Simple Will: 2 hours, Individual Complex Will: 3 hours, Simple Husband/Wife Will: 2.5 hours, Complex Husband/Wife Will: 3.5 hours, POA and Ordinary Trust provisions: 1.5 hours, Codicil: 2 hours, Wills and other than Ordinary Turst Provisions: 5 hours, Living Will: $35/document, Durable POA: $35/document

OPN2116245P2 of 112


Estate Planning In-Network Benefit Out-of-Network Benefit

Cynanotary, LLC (LegalShield) Consultation, preparation, and document review physician/living will, probate, trusts, etc.



Wills and Codicils: This service covers the preparation of a simple or complex will for the Participant. The creation of any testamentary trust is covered. The benefit includes the preparation of codicils and will amendments. Trusts: This service covers the preparation of revocable and irrevocable living trusts for the Participant. Powers: This service covers the preparation of any power of attorney when the Participant is granting the power.

The plan will pay a maximum of: Wills: Individual: $150 and Member and Spouse: $200, Trusts: Individual: $325 and Member and Spouse: $450, Powers of Attorney: Individual $65 and Member and Spouse: $75. Living Wills: Individual: $75 and Member and Spouse: $85.

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Covered - Living Wills/Physician's Directive/Power of Attorney/Trusts

U.S. Legal Services, Inc. Consultation and advice concerning planning of the covered person's estate. 3.5 hours

Civil Action as Plaintiff




Hyatt Legal Plans of Florida Inc. (MetLife) This service covers the Participant as a plaintiff, for representation, including trial, in disputes over consumer goods and services where the amount being contested exceeds the small claims court limit in that jurisdiction and is documented in writing.

The plan will pay a maximum of: Negotiation and Settlement: $650 and Filing Answer, Litigation Ending in Settlement or Judgment: $2000

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Advice, consultation, document review and 25% preferred member discount.

U.S. Legal Services, Inc. Covered up to and including trial. 8 hours

Civil Action as Defendant


Cynanotary, LLC (LegalShield) Consultation and court representation when the participant or the partcipant’s spouse is a defendant in a covered civil action. Negotiation of settlement will also be provided through the schedule of hours based on membership

For all personal legal matters not otherwise outlined and/or additional assistance is needed beyond the scope of benefits outlined, the participant will be eligible to services at a 25% discount off the Provider Law Firm’s standard hourly rate. The discount does not apply to contingency fee matters or flat fee arrangements, which may be negotiated at a separate rate with the Provider Law Firm. LEGAL


This service covers the Participant in defense of an arbitration proceeding or civil proceeding before a municipal, county, state or federal administrative board, agency or commission, or in a trial court of general jurisdiction. It does not apply where services are available or are being provided by virtue of an insurance policy. It does not include family law matters, post judgment matters, matters with criminal penalties or litigation of a job-related incident.

The plan will pay a maximum of: Negotiation and Settlement: $650 and Filing Answer, Litigation Ending in Settlement or Judgment: $2000

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) onsultation, preparation, review, and representation of the Participant as a defendant in civil proceedings before a local, state or a federal administrative board, agency, or commission, or in a trial court of general jurisdiction.

U.S. Legal Services, Inc. Covered up to and including trial. 8 hours

OPN2116245P2 of 112


Adoptions


Cynanotary, LLC (LegalShield) The plan covers all legal services, including representation in court, after the membership has been active for 90 consecutive days from the effective date.


Hyatt Legal Plans of Florida Inc. (MetLife) This service covers all legal services and court work in a state or federal court for an adoption for the Plan Member and spouse. Legitimization of a child for the Plan Member and spouse, including reformation of a birth certificate, is also covered.

The plan will pay a maximum of: Uncontested: $650 and contested: $1,500. Plus Trial Supplement *


The plan covers all legal services, including representation in court, for a contested or uncontested domestic adoption within the United States. The adoptee must be an individual under the age of 18. Preparation of any required publication notice or any governmental document such as fingerprints and criminal history checks are not covered by the plan.

U.S. Legal Services, Inc. Covered for all contested or uncontested legal services and court work in a state court. Includes reformation of a birth certificate.

Contested: 13.5 hours, Uncontested:8.5 hours

Real Estate Transactions


Cynanotary, LLC (LegalShield) Mortgage documents (as required of the borrower by the lending institution) prepared by your Provider Law Firm for the purchase of your primary residence



This service covers the review or preparation, by an attorney representing the Participant, of all relevant documents (including the construction documents for a new home, the purchase agreement, mortgage and deed, and documents pertaining to title, insurance, recordation and taxation), which are involved in the purchase or sale of a Participant's primary residence or of a vacant property to be used for building a primary residence. The benefit also includes attendance of an attorney at closing.



Consultation, preparation, review, and court representation of the Participant as a plaintiff or a defendant in a legal proceeding for consumer issues, including personal property matters, in both small claims court and district court. Real estate matters not otherwise covered, appeals and execution of judgment are not covered.

U.S. Legal Services, Inc. Covered for one purchase and one sale of a primary residence within a Policy Year. 5 hours

Insurance Law


Cynanotary, LLC (LegalShield) Unlimited phone consultations with your Provider Law Firm for any personal legal matter, even on pre-existing conditions


Hyatt Legal Plans of Florida Inc. (MetLife) This service provides the Participant with assistance in making insurance claims with the Participant's own carrier, provided the carrier is not affiliated with the Plan Member’s Sponsor or Employer. Litigation of coverage issues is included. Litigation of damages is not included.


Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Office consultation, phone consultation, document review and demand letters and a 25% discount from in network attorneys - Plaintiff unless covered under the small claims assistance benefit. Covered for Defendant

U.S. Legal Services, Inc. Representation in disputes between a Covered Person and their insurance company regarding non-payment of claims.

8 hours

OPN2116245P2 of 112


Landlord / Tenant Law


Cynanotary, LLC (LegalShield) No Charge Fully Covered, Consultation & Review, with a Letter Written on Participant Behalf.



This service covers the Participant as a tenant for matters involving leases, security deposits or disputes with a residential landlord. The service includes eviction defense, up to and including trial. It does not include representation in disputes with other tenants or as a plaintiff in a lawsuit against the landlord, including an action for return of a security deposit.

The plan will pay a maximum of: Correspondence and Negotiations: $280 and Eviction Trial Defense: $840. Plus Trial Supplement *

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Consultation, preparation, and review for the Participant as a tenant, in matters related to tenant problems including: security deposits, property damage, lease agreements, and eviction. When necessary this service includes court representation when the Participant is a defendant.

U.S. Legal Services, Inc. Covered as a tenant involving occupancy of primary residence; includes eviction defense. 8 hours

Traffic Violations


Cynanotary, LLC (LegalShield)

Non-criminal moving traffic violation assistance • Motor vehicle-related criminal charge assistance for manslaughter, involuntary manslaughter, negligent homicide or vehicular homicide • Up to 2.5 hours of help with driver’s license reinstatement and property damage collection assistance of $5,000 or less per claim


Hyatt Legal Plans of Florida Inc. (MetLife) This service covers representation of the Participant in defense of any traffic ticket including traffic misdemeanor offenses, except driving under influence or vehicular homicide, including court hearings, negotiation with the prosecutor and trial.

The plan will pay a maximum of: Plea or Trial at Court for Minor Moving Violations: $250 and Plea or Trial at Court for Serious Moving Violations Resulting in Jail Time or License Suspension: $500. Plus Trial Supplement *

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Consultation, preparation, review, negotiations, and court representation for all moving traffic violations except for those violations that result in felony charges, or because of driving under the influence, or related charges. This service does cover defense of a traffic ticket.

U.S. Legal Services, Inc. Representation for non-criminal, moving traffic violations which carry points. DUI First Offense Only- 3 hours, WIth DUI and minor traffic offenses: 6 hours

Preparation of Legal Documents


Cynanotary, LLC (LegalShield) Document review/preparation or representation is also included for certain matters


Hyatt Legal Plans of Florida Inc. (MetLife) This service covers the review and creation of any personal legal document of the Participant, such as letters, leases or purchase agreements.

The plan will pay a maximum of $70- $100 depending on the document.

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Covered

U.S. Legal Services, Inc. Covered for the preparation and review of personal legal documents. $30 per document

Change of Name


Cynanotary, LLC (LegalShield) Uncontested name change prepared by Provider Law Firm


Hyatt Legal Plans of Florida Inc. (MetLife) This service covers the Participant for all necessary pleadings and court hearings for a legal name change. The plan will pay a maximum of $400.

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Consultation, preparation, review, and court representation for the name change of a Participant or their dependents. Preparation of any required publication notice or any governmental document such as fingerprints and criminal history checks are not covered by the plan.

U.S. Legal Services, Inc. Covered for one name change per Policy Year. 3 hours

OPN2116245P2 of 112


Estate Administration


Cynanotary, LLC (LegalShield) Consultation, preparation, and document review which conforms to state laws.



This service provides representation for the Plan Member or spouse when the Plan Member or spouse is probating an estate and has been appointed executor or administrator. The service includes all of the court proceedings to transfer probate assets from the decedent to the heirs; the correspondence necessary to transfer non-probate assets such as proceeds from insurance policies, joint bank accounts, stock accounts or a house; and any tax filings.

The plan will pay a maximum of: Affidavit/Simple Procedure/Tax Only: $500 and Standard Probate/Court Supervised Probate : $1500.

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Covered - Living Wills/Physician's Directive/Power of Attorney/Trusts

U.S. Legal Services, Inc. Covered for administration of Covered Person's estate. Includes property transfers and court appearances. 5.5 hours

Defense of Juveniles


Cynanotary, LLC (LegalShield) Consultation and document review for a participant’s dependent child so long as there is no conflict between the participant and said dependent.



This service covers the defense of a Participant and a Participant's dependent child in any juvenile court matter, provided there is no conflict of interest between the Participant and the dependent child. When a conflict exists, or where the court requires separate counsel for the child, this service provides an attorney for the Plan Member only, including services for Parental Responsibility.

The plan will pay a maximum of: Negotiation and Settlement: $500 and Trial: $1200. Plus Trial Supplement *

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Consultation, preparation, review, and juvenile court representation for a Participantâ€™s dependent child so long as there is no conflict between the Participant and said dependent. Matters of parental responsibility are covered. Matters in which a juvenile is charged as an adult are not part of this service.

U.S. Legal Services, Inc. Covered for the defense of a Covered Person in juvenile court matter. Involving an insured child: 8.5 hours, Involving parental responsbilities: 4.5 hours

Family Law


Cynanotary, LLC (LegalShield) Consultation and document review, Trial defense services may apply.



Divorce: This service is available to the Plan Member only, not to a spouse or dependents, for the first twenty hours of service. This service includes preparing and filing all necessary pleadings, motions and affidavits, drafting settlement agreements, and representation at the hearing or trial, whether the Plan Member is a plaintiff or a defendant. This service does not include disputes that arise after a decree is issued.

The plan will pay a maximum of: Uncontested: $1800 and Contested: $1800.

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Covered- Guardianship/Conservatorship/Elder Care Issues/Domestic Violence Protection/Adoption/Administrative Hearings

U.S. Legal Services, Inc. Representation for all Covered Person's for family law matters. After 20 hours, for all family law issues during a calendar year, any legal services beyond this limitation shall be rendered by the attorney at a rate of $89.00 per hour.

7.5 hours

OPN2116245P2 of 112


Criminal Violations


Cynanotary, LLC (LegalShield) Accident representation of the participant on any criminal charge for manslaughter, involuntary manslaughter, negligent homicide, or vehicular homicide, arising from the permitted use of a licensed motor vehicle. Pre-existing conditions are excluded. Certain exclusions may apply.



This service covers representation for Participants in defense of any criminal misdemeanor charge except those relating to traffic or driving under influence charges. Representation includes court hearings, negotiation with the prosecutor and trial. It does not include representation of a felony charge that is subsequently reduced to a misdemeanor. This service also does not cover any post-sentencing proceeding, probation violation hearing or appeals by either party.

The plan will pay a maximum of: Negotiated Plea: $750 and Trial: $1250. Plus Trial Supplement *

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Office consultation, phone consultation, document review and a 25% discount from in network attorneys

U.S. Legal Services, Inc. Representation, through trial, in defense of criminal misdemeanor including frost offense DUI/DWI. Covered in Habeas Corpus proceedings.

8 hours

Guardianship


Cynanotary, LLC (LegalShield) Consultation and document review for the guardianship or conservatorship over a person or estate when the participant is being named as the guardian or conservator.



This service covers establishing a guardianship or conservatorship over a person and his or her estate when the Plan Member or spouse is being appointed as guardian or conservator. It includes obtaining a permanent and/or temporary guardianship or conservatorship, gathering any necessary medical evidence, preparing the paperwork, attending the hearing and preparing the initial accounting.

The plan will pay a maximum of: Uncontested: $650 and Contested: $1500. Plus Trial Supplement *


Consultation, preparation, review and representation for the creation of a new guardianship or conservatorship over a person or estate when the Participant is being named as the guardian or conservator. Services for the party for whom guardianship/conservatorship is being decided, ongoing accounting, or termination of guardianship once established is not covered.

U.S. Legal Services, Inc. Covered for establishing uncontested guardianship when the covered person is appointed guardian or conservator.

Contested: 8 hours, Uncontested: 4.0 hours

Contingency Fee


Cynanotary, LLC (LegalShield) Personal Legal matters or flat fee arrangements, which may be negotiated at a separate rate with the Provider Law Firm.


Hyatt Legal Plans of Florida Inc. (MetLife) Subject to applicable law and court rules, Plan Attorneys will handle personal injury matters (where the Participant is the plaintiff) at a maximum fee of 25% of the gross award. It is the Participant's responsibility to pay this fee and all costs.

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Contingency fee matters or flat rate fee arrangements are negotiated at a separate rate with the Provider Law Firm.

U.S. Legal Services, Inc. First $1,000 is exempt from any fee. Fee cannot exceed 25% if resolved before or after trial. Cannot exceed 30% if only resolved after appeal. Subject to State and Federal contingency fee laws.

N/A

OPN2116245P2 of 112


Bankruptcy


Cynanotary, LLC (LegalShield) Consultation and document review.



This service covers the Plan Member and spouse in pre-bankruptcy planning, the preparation and filing of a personal bankruptcy or Wage Earner petition, and representation at all court hearings and trials. This service is not available if a creditor is affiliated with the Sponsor or Employer, even if the Plan Member or spouse chooses to reaffirm that specific debt.

The plan will pay a maximum of: Chapter 7 Individual or Member/Spouse: $850 and Chapter 13 Individual or Member/Spouse: $1400.

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Consultation, preparation, review, and court representation for the Participant for a Personal Chapter 7 or Chapter 13 bankruptcy for a debtor.

U.S. Legal Services, Inc. Covered Employee and spouse in pesonal bankruptcy matters. Includes advice through initial filing of a Chapter 7 Final Report or Confirmation of a Chapter 13 Plan. Not available if the creditor is affiliated with your employer.

8 hours

Immigration (e.g.: Visa Extensions, Naturalization, Deportation, etc.) In-Network Benefit Out-of-Network Benefit

Cynanotary, LLC (LegalShield) Consultation and document review, including affidavits and Power of Attorney.


Hyatt Legal Plans of Florida Inc. (MetLife) This service covers advice and consultation, preparation of affidavits and powers of attorney, review of any immigration documents and helping the Participant prepare for hearings.


Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Consultation, and review (including affidavits and power of attorney) for the Participant.

U.S. Legal Services, Inc. Covered for Visa Extensions, Naturalization, and Deportation. Visa Extension: 6 hours, Naturalization: 6 hours, Deportation: 6 hours

Business Law


Cynanotary, LLC (LegalShield) Business issues are not included; however, plans providing those services are available.


Hyatt Legal Plans of Florida Inc. (MetLife) Excluded Service. Excluded Service.

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Not covered under the plan

U.S. Legal Services, Inc. Covered for formation of one corporation, partnership, or other business entity per Policy Year. 2 hours

All Other Legal Matters






This service provides the opportunity to discuss with an attorney any personal legal problems that are not specifically excluded. The Plan Attorney will explain the Participant's rights, point out his or her options and recommend a course of action. The Plan Attorney will identify any further coverage available under the Plan, and will undertake representation if the Participant so requests.


Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Covered under advice, consultation and the 25% Preferred Member Discount.

U.S. Legal Services, Inc. Except excluded matters, all other legal matters will be provided legal representation at a 33.3% discounted rate of the attroney's normal rates or fees.

N/A

OPN2116245P2 of 112


Identity Theft Protection


Cynanotary, LLC (LegalShield) Consultation and document review. Trial defense services may apply. Optional IDShield Plan available $8.95 (employee) or $18.95 (family)

Optional IDShield Plan available $8.95 (employee) or $18.95 (family)


This service provides the Participant with consultations with an attorney regarding potential creditor actions resulting from identity theft and attorney services as needed to contact creditors, credit bureaus and financial institutions. It also provides defense services for specific creditor actions over disputed accounts. The defense services include limiting creditor harassment.


Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Consultation, preparation, and review by a Provider Law Firm for financial matters related to the Participant being a victim of identity theft. These matters include negotiations, and representations for any legal action that arises for the Participant such as debt collection defense, foreclosure, repossession,

U.S. Legal Services, Inc. Unlimited telephonic consultation with a Member Services representative, to listen, answer questions, and assist with restoring identity and good credit.

N/A

Financial and Tax Planning




Hyatt Legal Plans of Florida Inc. (MetLife) Not a covered legal service. Not a covered legal service.

Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) No

U.S. Legal Services, Inc. 25% off of income tax document preparation. No cost, 30-minute telephonic consultations, per financial matter, regarding common financial matters i.e. budgeting, credit counseling, income tax planning, and retirement planning.

N/A

IRS Audit Protection



Consultation, preparation, document review, and court representation of the participant when he/she is notified in writing of a tax audit investigation, or examination of his/her tax return when he/she is requested in writing, to appear at the offices of IRS, state or local taxing authorities concerning his/her tax return.



This service covers reviewing tax returns and answering questions the IRS or a state or local taxing authority has concerning the Participant's tax return; negotiating with the agency; advising the Participant on necessary documentation; and attending an IRS or a state or local taxing authority audit. The service does not include prosecuting a claim for the return of overpaid taxes or the preparation of any tax returns.

The plan will pay a maximum of: Negotiation and Settlement: $500 and Audit Hearing (Including Negotiation & Settlement): $1200.


Consultation, preparation, review, and court representation of the Participant when he/she is notified in writing of a tax audit investigation, or examination of his/her tax return when he/she is requested in writing, to appear at the offices of IRS, state or local taxing authorities concerning his/her tax return. Garnishment, attachment, or any other post judgment relief action, trust returns, business or corporate tax returns, payroll and related returns are not covered. Charges of tax fraud o

U.S. Legal Services, Inc. Covered for legal services involving IRS Audits for which member received written notice related to your personal tax return.

Maximum of $7,500

OPN2116245P2 of 112


Cynanotary, LLC (LegalShield) Additional Services Offered


Mobile App The participant can directly call their Provider Law Firm, upload traffic tickets and submit their Will questionnaire directly to the Provider Law Firm through the LegalShield mobile app.

N/A

Demand Letters and Phone Calls A telephone call or a letter to a third party on behalf of the participant by the Provider Law Firm, for any personal legal matter, unless specifically excluded by the plan.


Debt Collection Consultation and document review. Trial defense services may apply. Consultation and document review. Trial defense services may apply.

Prenuptial Agreement Consultation and document review of a prenuptial agreement. This coverage is available for the employee only

N/A

Foreclosure Consultation and document review. Trial defense services may apply.


REPOSSESSION Consultation and document review. Trial defense services may apply.


EVICTION AND TENANT PROBLEMS Consultation and document review. Trial defense services may apply


SMALL CLAIMS ASSISTANCE Consultation and document review. Trial defense services may apply.


OPN2116245P2 of 112

EmployeeLegal Protection Plans

Prepared by LegalShield

Proposal valid for 180 days.

For more information, please contactyour independent representative*

*Those who market or sell LegalShield plans are anindependent contractor and are not an employee ofLegalShield for federal tax purposes or any other purposes.

1OPN2116245P2 of 112

Table of Contents

2OPN2116245P2 of 112

ProtectingYour Bottom Line with LegalShield

EMPLOYEES ARE FINANCIALLY STRESSED and unprepared for sudden expenses. When they are dealing with personal finances in the workplace, they lose productivity and YOUR COMPANY LOSES MONEY.

34% of Employeesspend 2–3 hours while at work each week on personal finances, 24% spend over 4 hours1

47% of Employersagree that employees have asked a manager or supervisor for personal financial advice in the last year2

Sources: 1. Harris Poll on behalf of Purchasing Power of 2,080 working U.S. adults employed full-time, Dec. 14-16, 2015. 2. The 2014 Employee Financial Stress Survey, commissioned by Elevate. 3. Human Resources Executive, “Financial Stress and Pro-ductivity Are Inextricably Linked,” Elizabeth Halkos, May 2014.

Financial stress not only decreases productivity, it puts your employees at a greater risk for an injury or illness.

By protecting your employees from the financial stress of an unexpected legal event your employees will be more engaged, focused, and productive— benefiting them and your bottom line!

HIGH STRESS due to financial debt can cause a:

500% increase in anxiety and

depression

44% greater chance of suffering from

migraines

2x the rate of heart attacks, ulcers and

other digestive issues3

3OPN2116245P2 of 112

LegalShield’s Legal PlanExpected and unexpected legal issues arise every day. But with a LegalShield Legal Plan, a small

monthly fee gets you access to advice and counsel on an unlimited number of personal legal issues from lawyers with an average of 22 years experience.

Advice & Consultation Advice Toll-free phone consultations with your Provider Law Firm for any personal legal matter, even on pre-existing conditions

Letters & Phone Calls on Your Behalf Available at the discretion of your Provider Lawyer

Contract & Document Review Contract/document review up to 15 pages each

24/7 Emergency Assistance After-hours legal consultation for covered legal emergencies. Specific coverage depends on plan, such as: if you’re arrested or detained, if you’re seriously injured, if you’re served with a warrant, or if the state tries to take your child(ren).

Family Assistance Uncontested Name Change Assistance*Uncontested name change prepared by Provider Law Firm

Uncontested Adoption Representation* Representation by your Provider Law Firm for uncontested adoption proceedings

Uncontested Separation/Divorce Representation* Representation by your Provider Law Firm for uncontested legal separation, uncontested civil annulment and uncontested divorce proceedings

Representation Trial Defense Services Assistance if you or your spouse are named defendant in a covered civil action filed in court

Year Pre-Trial Time Trial Time Total

1 2.5 57.5 60

2 3 117 120

3 3.5 176.5 180

4 4 236 240

5 4.5 295.5 300

Document Preparation Standard Will Preparation • Will preparation and annual reviews

and updates for covered participants• Other documents available: Living

Will, Health Care Power of Attorney,and Financial Power of Attorney

Residential Loan Document Assistance Mortgage documents (as required of the borrower by the lending institution) prepared by your Provider Law Firm for the purchase of your primary residence

Auto Motor Vehicle Services • Non-criminal moving traffic

violation assistance• Motor vehicle-related criminal

charge assistance for manslaughter,involuntary manslaughter, negligenthomicide or vehicular homicide

• Up to 2.5 hours of help withdriver’s license reinstatementand property damage collectionassistance of $5,000 or less perclaim

• Available only if member hasa valid driver’s license and isdriving a noncommercial motorvehicle

IRS IRS Audit Legal Services • One hour of consultation,

advice or assistance whenyou are notified of an auditby the IRS

• An additional 2.5 hours if asettlement is not achievedwithin 30 days

• If your case goes to trial, you’llreceive 46.5 hours of yourProvider Law Firm’s services

• Coverage for this service beginswith the tax return due April 15of the year you enroll

Additional Benefits 25% Discount You may continue to use your Provider Law Firm for legal situations that extend beyond plan coverage. The additional services are 25% off the law firm’s standard hourly rates. Your Provider Law Firm will let you know when the 25% discount applies, and go over these fees with you.

The Plan Covers:

• The participant• The participant’s spouse/domestic

partner• Never-married dependent

children under age 26 living athome

• Dependent children under age 18for whom the member is legalguardian

• Never married, dependent,children who are full-time collegestudents up to age 26

• Physically or mentally disabledchildren living at home

Specific exclusions apply. Services and benefits vary by state. See a plan contract for specific state of residence for complete terms, coverage, amounts, conditions, and exclusions. This legal plan overview does not include NY, NV, and MA (see a plan contract for those specific states).

*These services are available after your membership has been active 90 consecutive days from the effective date of your membership. For detailed information about the legal services provided for personal matters by the LegalShield contract, go to http://www.legalshield.com/info/legalplan. Business issues are not included; however, plans providing those services are available.

4OPN2116245P2 of 112

LegalShieldPlanPricing

LEGALSHIELD

PLAN TYPE MONTHLY RATE FAMILY

LegalShield Plan

WHO IS COVERED:The member, member’s spouse, never-married dependent children under the age of 26 and living at home or full time

in college, dependent children under the age of 18 for whom the member is legal guardian and/or physically or mentally challenged children living at home.

5OPN2116245P2 of 112

WhyLegalShield?

BE A SOLUTION to your employees’ need for legal protection.

Source: The Legal Needs of American Families. A Research Study Conducted by Deci-sion Analyst, Inc. Commissioned by LegalShield.

The TOP FIVE areas of law:

76% of Employeeswere hesitant to call a lawyer

0 30000 60000 90000 120000 150000

Real Estate

Traffic

Estate Planning

Consumer/Finance

Landlord Tenant

6.78%

6.92%

7.29%

8.15%

8.30%

121,409

123,875

130,501

145,792

148,493

% of all requests: 62.01%

Commonlegal life events

include:

r i e s

rental disagreements

automobile accidents

credit disputes

estate management

2/3 of Employeeshad to take at least one day o from work per year to deal with a legal issue

6OPN2116245P2 of 112

Why LegalShield?

WORKING AMERICANS need and want legal protection.

Source: The Legal Needs of American Families. A Research Study Conducted by Decision Analyst, Inc. Commissioned by LegalShield.

Read more about the value a legal plan provides in the Legal Needs of American Families.

Nearly 90% of Americans

do not have a form of legal protection

Nearly 70% of employees use the service

more than 3x a year!

More than 60%would be interested in purchasing legal

protection

7OPN2116245P2 of 112

https://cdn2.hubspot.net/hubfs/471589/Legal%20Needs%20of%20American%20Families.pdf

https://cdn2.hubspot.net/hubfs/471589/Legal%20Needs%20of%20American%20Families.pdf

https://business.legalshield.com/sites/default/files/Legal%20Needs%20of%20American%20Families.pdf

Why LegalShield?

EMPLOYEES SAVE on everyday legal issues with LegalShield.An entire year of coverage costs less than $300, and on

average the hourly rate for a lawyer is $284!*

**These are ranges based on hourly rates of LegalShield attorneys. This is not a quote or guarantee of any actual legal fees or costs. Actual hourly rates, fees and costs may vary based on geographical needs, legal issues or experience required. Cost ranges are calculated by multiplying the normal hourly fee of general (lowest) and specialized (highest) attorneys in the se-lected state by the average number of hours billed for that service. Costs shown above represent attorney fees in the state of Alabama. *The Legal Needs of American Families. A Research Study Conducted by Decision Analyst, Inc. Commis-sioned by LegalShield.

Typical attorney costs**:Savings as a

LegalShield member for one year

Standard Will Preparation $900–$1950 $661–$1,711

Medical Directive $300–$650 $61–$411

Letter on Your Behalf $300–$650 $61–$411

Document Review $300–$650 $61–$411

Complex Phone Consultation $300–$650 $61–$411

Consultation & Review, with a Letter Written on

Participant Behalf$600–$1300 $361–$1061

Complex Consultation & Review $750–$1625 $511–$1386

8OPN2116245P2 of 112

Under the protection of LegalShield, PARTICIPANTS DON’T HAVE TO WORRY ABOUT HIGH

HOURLY COSTS or a out fi urin out which attorney to usewe’ll do that for them.

Why LegalShield?

Return all from ttorney: 8 hours or less

ocument Review: 3 business days

etter or hone all to Resolve omplaint:

3 business days

We have lawyers in all 50 states and 4 Canadian provinces with an average

of 20+ years experience.

9OPN2116245P2 of 112

Why LegalShield?

THE LEGALSHIELD MOBILE APP PUTS A LAW FIRM IN THE PALM OF PARTICIPANT’S HANDS. They can connect directly

with their dedicated law firm and more!

Legal protection at the TAP OF A BUTTON.

24/7 EMERGENCY ACCESS for covered emergencies

Access to LEGAL FORMS/CONTRACTS

Quickly call their DEDICATED LAW FIRM

UPLOAD speeding tickets for fast review

Easily begin the process to prepare a WILL

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google Inc.

10OPN2116245P2 of 112

Why LegalShield?

LegalShield directly empowers over 4 million people. Here are some of our MEMBER STORIES.

“Very helpful. Responsive. Knowledgeable. This coverage is in the top five necessary things believe a family must invest

-N.S. LegalShield Member

““

I’ve had LegalShield for almost 20 years and always feel that comfort and peace of mind that can call upon them

-L.D. LegalShield Member

I have been a member for over 10 years. have used the services probably five or si times and each time got the information needed uickly They have always been specific in telling me e actly what needed to do hat have spent in monthly premiums is only a fraction of what would have spent in legal fees Some of our uestions have been concerning real estate, owner financing selling property, vehicle transfer

uestions and more t has been E worth having this membership

-P.W.

LegalShield Member

11OPN2116245P2 of 112

https://www.legalshield.com/member-stories

https://www.legalshield.com/member-stories

LegalShield’sPlan Coverage Definitions

TELEPHONE CONSULTATIONUnlimited telephone consultations on any personal legal subject matter, unless specifically excluded by the plan. There are no limitations on the number of consultations a participant receives, however this service is not intended to help a participant undertake their own representation.

DEMAND LETTERS AND PHONE CALLSA telephone call or a letter to a third party on behalf of the participant by the Provider Law Firm, for any personal legal matter, unless specifically excluded by the plan.

DOCUMENT REVIEWConsultation and review of any personal legal document, 15 pages or less. Document review will not cover the review of documents prepared by another attorney currently representing the participant.

ADVICE AND CONSULTATION Provider Network

COVERED

COVERED

COVERED

12OPN2116245P2 of 112

FAMILY MATTERS Provider Network

ADMINISTRATIVE HEARINGConsultation and document review.

COVERED

CHILD CUSTODYConsultation and document review on matters related to child custody and child support.

COVERED

DOMESTIC VIOLENCE PROTECTIONConsultation and document review when the participant is seeking to be protected by a Victim Protection Order. This coverage is available for the employee only.

COVERED

ADOPTIONThe plan covers all legal services, including representation in court, after the membership has been active for 90 consecutive days from the effective date.

COVERED

GUARDIANSHIP OR CONSERVATORSHIPConsultation and document review for the guardianship or conservatorship over a person or estate when the participant is being named as the guardian or conservator.

COVERED

IMMIGRATION ASSISTANCEConsultation and document review, including affidavits and Power of Attorney.

COVERED

INCOMPETENCY DEFENSEConsultation and document review when the participant is subject to a civil competency determination. Trial defense services may apply.

COVERED

JUVENILE COURT DEFENSEConsultation and document review for a participant’s dependent child so long as there is no conflict between the participant and said dependent.

COVERED

13OPN2116245P2 of 112

PRENUPTIAL AGREEMENTConsultation and document review of a prenuptial agreement. This coverage is available for the employee only.

UNCONTESTED DIVORCEConsultation, preparation, document review and court representation for theparticipant’s uncontested divorce, separation or annulment from their spouseis available after the membership has been active for 90 consecutive daysfrom the effective date. The plan covers the employee only. Net assets of themarriage must be under $500,000. And all issues are to be agreed upon inwriting by the parties.

COVERED

COVERED

NAME CHANGEConsultation and court representation for the participant after the membership has been active for 90 consecutive days from the effective date for an uncontested name change. Preparation of any required publication notice and any governmental documentation such as fingerprints and criminal history checks are available under the 25% discount.

COVERED

AUTO Provider Network

CRIMINAL ACCIDENT REPRESENTATIONRepresentation of the participant on any criminal charge for manslaughter,involuntary manslaughter, negligent homicide, or vehicular homicide, arisingfrom the permitted use of a licensed motor vehicle. Pre-existing conditions are excluded. Certain exclusions may apply.

DRIVER’S LICENSE RESTORATIONThe Provider Law Firm will provide the participant up to 2.5 hours of assistancewith reinstating their driver’s license. Pre-existing conditions are excluded. Certain exclusions may apply.

COVERED

COVERED

14OPN2116245P2 of 112

ESTATE PLANNING Provider Network

MOTOR VEHICLE PROPERTY DAMAGEThe Provider Law Firm will provide the participant with up to 2.5 hours ofattorney time providing collection assistance up to $5,000 or less per propertydamage claim. This service does not include filing a lawsuit. Pre-existing conditions are excluded and certain exclusions may apply.

COVERED

MOVING TRAFFIC VIOLATIONSRepresentation is provided when the participant or the participant’s spouseand or dependants have a valid driver’s license. Pre-existing conditions are excluded and certain exclusions may apply.

LIVING WILL/PHYSICIAN’S DIRECTIVEConsultation, preparation, and document review of a Directive to Physician/Living Will which conforms to state laws.

COVERED

COVERED

POWERS OF ATTORNEYConsultation, preparation and document review of a Health Care and Financial Power of Attorney for the participant. Consultation on the types of Powers of Attorney is also provided.

COVERED

WILLS AND CODICILSConsultation, preparation and review of a Last Will and Testament and a codicil.

COVERED

PROBATEConsultation for probates.

COVERED

TRUSTSConsultation and document review of revocable and irrevocable trusts, including special needs trusts.

COVERED

15OPN2116245P2 of 112

FINANCIAL Provider Network

AFFIDAVITSConsultation and document review.

BANKRUPTCYConsultation and document review.

COVERED

COVERED

CIVIL LITIGATIONConsultation and document review. Trial defense services may apply.

COVERED

CONSUMER PROTECTIONConsultation and document review. Trial defense services may apply.

COVERED

DEBT COLLECTIONConsultation and document review. Trial defense services may apply.

IDENTITY THEFTConsultation and document review. Trial defense services may apply.

PERSONAL PROPERTY ASSISTANCE PREPARATIONConsultation and document review of purchase agreements, matters relating to credit reports, credit agreements or installment agreements.

COVERED

COVERED

COVERED

PROMISSORY NOTESConsultation and document review of promissory notes for the participant regardless of if the participant is the payer or the payee.

COVERED

16OPN2116245P2 of 112

RESIDENTIAL LOAN DOCUMENT ASSISTANCEPreparation of residential loan documents, as required of the borrower by thelending institution, for the purchase of the participant’s primary residence. Thiscoverage is available once each membership year. All information necessaryfor the preparation of the documents must be provided to the Provider LawFirm at least five business days prior to the closing date. This service does notinclude review of the abstract or preparation of a Title Opinion or the ProviderLawyer’s presence at closing.

SMALL CLAIMS ASSISTANCEConsultation and document review. Trial defense services may apply.

COVERED

COVERED

TAX AUDIT AND COLLECTION SERVICEConsultation, preparation, document review, and court representation of the participant when he/she is notified in writing of a tax audit investigation, or examination of his/her tax return when he/she is requested in writing, to appear at the offices of IRS, state or local taxing authorities concerning his/her tax return. Coverage begins with tax return due on April 15th of the same year as the effective date. See a plan contract for state of residence for specific terms, coverage, amounts, conditions, and exclusions.

COVERED

BOUNDARY OR TITLE DISPUTESConsultation and document review. Trial defense services may apply.

DEEDSConsultation and document review.

EVICTION AND TENANT PROBLEMSConsultation and document review. Trial defense services may apply.

COVERED

COVERED

COVERED

Provider NetworkHOME

17OPN2116245P2 of 112

FORECLOSUREConsultation and document review. Trial defense services may apply.

COVERED

HOME EQUITY LOANConsultation and document review. Residential loan document services may apply.

COVERED

GARNISHMENTConsultation and document review.

COVERED

MORTGAGESConsultation and document review. Residential loan document services may apply.

PROPERTY TAX ASSESSMENTSConsultation and document review.

PURCHASE/SALE OF HOMEConsultation and document review. Residential loan document services may apply.

REFINANCING OF HOMEConsultation and document review. Residential loan document services may apply.

REPOSSESSIONConsultation and document review. Trial defense services may apply.

COVERED

COVERED

COVERED

COVERED

COVERED

ZONING APPLICATIONSConsultation and document review.

COVERED

18OPN2116245P2 of 112

Provider NetworkADDITIONAL BENEFITS

24/7 EMERGENCY ACCESSThe participant receives toll-free telephone access to the Provider Law Firm on a 24-hour per day basis for emergency situations such as; detained by law enforcement, injured in an accident or served with a warrant. To receive emergency assistance call 1-877-825-3797. Emergency access is not available for assistance in making, posting, or obtaining bond, bail or other security required for release from a governmental facility.

ADDITIONAL BENEFITSFor all personal legal matters not otherwise outlined and/or additional assistance is needed beyond the scope of benefits outlined, the participant will be eligible to services at a 25% discount off the Provider Law Firm’s standard hourly rate. The discount does not apply to contingency fee matters or flat fee arrangements, which may be negotiated at a separate rate with the Provider Law Firm.

LEGAL FORMSParticipants have access to an online legal library and mobile app of forms that focus on many of today’s most common legal concerns. Through the Forms by LegalShield app participants can select from popular legal forms, fill out the form and sign, or send the document on to be signed by another party, all from the convenience of their phone.

MOBILE APPThe participant can directly call their Provider Law Firm, upload traffic tickets and submit their Will questionnaire directly to the Provider Law Firm through the LegalShield mobile app.

COVERED

COVERED

COVERED

COVERED

19OPN2116245P2 of 112

See a plan contract for specific state of residence for complete terms, coverage, amounts, conditions and exclusions. General Exclusions: The following items are excluded from any service, including advice and consultation: business or commercial matters; fines, court costs, filing fees, ad litem fees, penalties, expert witness fees, bonds, bail bonds and any out-of-pocket expense; matters or disputes between any person, entity or covered person and the Provider Attorney and/or LegalShield; any matter covered by any insurance policy; Native American legal issues; frivolous or unethical matters; matters for which an attorney-client relationship exists prior to becoming eligible for benefits. For all other personal legal matters, advice and consultation is provided. Additional document review/preparation or representation is also included for certain matters. Marketed by: Pre-Paid Legal Services, Inc. dba LegalShield® and subsidiaries; Pre-Paid Legal Casualty, Inc.; Pre-Paid Legal Access, Inc.; In FL: LS, Inc. ; In VA: Legal Service Plans of Virginia; and PPL Legal Care of Canada Corporation.

Definitions_LS_GR_021918

TRIAL DEFENSEConsultation and court representation when the participant or the partcipant’s spouse is a defendant in a covered civil action. Negotiation of settlement will also be provided through the schedule of hours based on membership year:

Year Pre-Trial Trial Hours Total Hours1 2.5 57.5 602 3.0 117 1203 3.5 176.5 1804 4.0 236 2405 4.5 295.5 300

See a plan contract for specific state of residence for complete terms, coverage, amounts, conditions and exclusions.

COVERED

20OPN2116245P2 of 112

LegalShield’s ProviderLaw Firms

LegalShield has built and successfully maintains THE ONLY PROPRIETARY NATIONWIDE NETWORK OF PROVIDER LAW FIRMS.

Taking the non-traditional approach, we put the participant first and make using our legal plan easy and hassle-free.

LEGALSHIELD PROVIDER NETWORK vs. TRADITIONAL PROVIDER NETWORKCall centerOverwhelming number of choicesCall back within 2 days or lessPaid per case typeClaim formsNot availablePotential service delaysNo daily monitoring

Direct accessDedicated provider firm

Call back within 8 hours or lessPaid on a per capita basis

No claim forms24/7 emergency access

No service delaysDaily monitoring of service

vs.vs.vs.vs.vs.vs.vs.vs.

Industry leading quality control-

daily monitoring of service

Lawyer responds in 8 business hours or less - no 2 day

waiting

Direct access- no call center or guesswork

needed

Dedicated multi-service law

firms- participants are a top priority

Satisfaction surveys –sent

each time after contact

Participant

The urgency of a legal matter will be determined by the lawyer’s professional discretion. This document does not create contractual rights and is non-binding. Some conditions and restrictions may apply.

Sheet_Provider Network Overview_NP_GR_012018OPN2116245P2 of 112

OPN2116245P2 of 112

Cynthia

LegalShield Logo all


Hyatt Legal Plans of Florida, Inc (MetLife) Additional Services Offered


Family Law: Enforcement or Modification of Support Order

This service is available to the Plan Member and spouse, and covers representation after a judgment has been entered to enforce or modify a court's award of support or alimony, whether the Plan Member or spouse is a plaintiff or a defendant. This service does not cover transfer of a divorce decree from one state to another, the division of property, or collection activities after a judgment.


Family Law: Custody This service is available to the Plan Member and spouse, and covers preparation of petitions, consent forms and waivers, and representation at any court hearings provided all parties are in agreement to establish or modify a child custody order.


Administrative Hearing Representation

This service covers Participants in defense of civil proceedings before a municipal, county, state or federal administrative board, agency or commission. It includes the hearing before an administrative board or agency over an adverse governmental action. It does not apply where services are available or are being provided by virtue of an insurance policy. It does not include family law matters, post judgment matters or litigation of a job-related incident.

The plan will pay a maximum of: Negotiation and Settlement: $500 and Contested Hearings Ending in Settlement or Judgment: $1800. Plus Trial Supplement*.

Affidavit & Promissory Note Affidavits: This service covers preparation of any affidavit in which the Participant is the person making the statement. Promissory Notes: This service covers the preparation of any promissory note for which the Participant is the payor or payee.

The plan will pay a maximum of: Affidavit: $75 and Promissory Note: $70.

Boundary Title Disputes This service covers negotiations and litigation arising from boundary or real property title disputes involving a Participant's primary residence, where coverage is not available under the Participant's homeowner or title insurance policies. The service includes filing to remove a mechanic’s lien.

The plan will pay a maximum of: Negotiation and Settlement: $500 and Trial: $1500. Plus Trial Supplement *

Debt Collection Defense

This service provides Participants with an attorney's services for negotiation with creditors for a repayment schedule and to limit creditor harassment, and representation in defense of any action for personal debt collection, tax agency debt collection, foreclosure, repossession or garnishment, up to and including trial if necessary. It includes a motion to vacate a default judgment.

The plan will pay a maximum of: Negotiation and Settlement: $350 and Negotiation and Settlement after Complaint and Answer Filed: $600 and Trial: $1050. Plus Trial Supplement *

Deeds & Mortgages

Deeds: This service covers the preparation of any deed for which the Participant is either the grantor or grantee. Mortgages: This service covers the preparation of any mortgage or deed of trust for which the Participant is the mortgagor. This service does not include documents pertaining to business, commercial or rental property.

The plan will pay a maximum of: Deeds: $100 and Mortgages: $70.

Personal Property

This service covers counseling the Participant over the phone or in the office on any personal property issue such as consumer credit reports, contracts for the purchase of personal property, consumer credit agreements or installment sales agreements. Counseling on pursuing or defending small claims actions is also included. The service also includes reviewing any personal legal documents and preparing promissory notes, affidavits and demand letters.


Restoration of Driving Privileges This service covers the Participant with representation in proceedings to restore the Participant's driving license.


OPN2116245P2 of 112

on Group Legal Plansa Proposal

for Broward County Board of County Commissioners

legalplans.com | 800.423.0300OPN2116245P2 of 112

Choose the leader in group legal plans

When we founded Hyatt Legal Plans, we knew we were onto something big, and since day one, our passion has been guided by three words: Smart. Simple. Affordable.® This motto has secured our position as the market leader in group legal plans and allowed us to establish a strong following of three million Americans, at more than 2,200 organizations, including over 175 Fortune 500® companies, throughout the country. We offer a better way for employers to provide for the personal legal matters of their employees. When you select Hyatt Legal Plans, your employees will have unlimited access to professional legal assistance, exceptional customer service and our ongoing commitment to quality. Most employers choose our model group legal plan because of its broad coverage and appeal to employees.

Our services have helped hundreds of companies like yours improve positioning, strengthen employee loyalty and boost productivity.

We invite you to continue reading to learn how our group legal plans can provide tremendous value to your organization.

Increase employee peace of mind and productivity without adversely affecting your own.

2

of households experience an event that might lead them to a lawyer over the course of a year and a half.1

66%FAST FACT:

1American Bar Foundation, Accessing Justice in the Contemporary USA: Findings from the Community Needs and Services Study, 2014.OPN2116245P2 of 112

Smart: Above all, the Hyatt legal plan is smart. It helps your employees resolve their legal issues quickly and cost-effectively—reducing their need for time off, increasing their focus at work and fostering greater loyalty to your organization.

FOR EMPLOYERS: • Increase staff productivity and morale •Enhancethecompetitivenessofyourbenefitspackagetoprospectiveemployees

FOR EMPLOYEES: • Fully covered services and unlimited consultations •Anationwidenetworkofprofessional,pre-qualifiedattorneys

Affordable: We realize you’re faced with the ongoing challenge of attracting and fostering top quality talent while reducing or maintaining a tight budget. Our legal plan helps your employees save money on legal services — at minimal or no cost to your organization.

FOR EMPLOYERS: • No direct cost—your plan is entirely employee-funded • Helps employers meet strategic objectives • No minimum enrollment required

FOR EMPLOYEES:

• Low-cost payroll deductions (generally less than $18 per month) • No copayments or deductibles for network services • Tremendous return for small investment (compared to typical attorney fees of $338 or more per hour3)

Simple: We understand your time is valuable. That’s why we designed our legal plan to minimize the time and effort required on your part. In fact, in a recent survey, 64% of employers said they consider legal services easier toadministerthanothervoluntarybenefits.2

FOR EMPLOYERS: • Communication materials for you to distribute including brochures, newsletter articles, videos, posters, intranet links and text for email campaigns • Highly experienced Account Manager who serves as your partner and single point of contact for implementation, administration and assistance •OnlyonemonthlyfilerequiredforongoingplanadministrationFOR EMPLOYEES: • One toll-free number to call for all legal needs—phones are answered live, within eight seconds • Full-service member website with a convenient Attorney Locator • Mobile app for both Android and Apple • No claim forms or usage limitations • Automatic monthly payroll deduction

Smart. Simple. Affordable. ®

3

2 SourceMediasurveyconductedonbehalfofHyattLegalPlans,GettingtoLoyal:LegalServicesDistinguishYourCompanyandHelpMeetthePersonalizedBenefitNeedsofEmployees(February2013).3 Average hourly rate of $338.00/hour based on years of legal experience, National Law Journal and ALM Legal Intelligence, Survey of Law Firm Economics (2016). OPN2116245P2

of 112

Why Hyatt Legal Plans? .............................5

Seasoned Professionals ...........................6

Nationwide Attorney Network ...................7

Customer Service Resources ...................9

Frequently Asked Questions .................. 10

Get Started Now ...................................... 13

Current Plan Design ............................... 14

Custom Plan Design ............................... 15

BenefitDefinitions & Reimbursements ................................. 16 LifeStages ............................................... 22

Our Guarantee to You ............................ 23

References .............................................. 24

INTERMEDIARY AND PRODUCER COMPENSATION NOTICE

MetLife enters into arrangements concerning the sale, servicing and/or renewal of MetLife group insurance and certain other group-related products (“Products”) with brokers, agents, consultants, third-party administrators, general agents, associations, and other parties that may participate in the sale, servicing and/or renewal of such Products (each an “Intermediary”). MetLife may pay your Intermediary compensation, which may include, among other things, base compensation, supplemental compensation and/or a service fee. MetLife may pay compensation for the sale, servicing and/or renewal of Products, or remit compensation toanIntermediaryonyourbehalf.YourIntermediarymayalsobeownedby,controlledbyoraffiliatedwithanotherpersonorparty,whichmayalsobeanIntermediaryandwhomayalsoperformmarketingand/oradministration services in connection with your Products and be paid compensation by MetLife.

Basecompensation,whichmayvaryfromcasetocaseandmaychangeifyourenewyourProductswithMetLife,maybepayabletoyourIntermediaryasapercentageofpremiumorafixeddollaramount.MetLifemay also pay your Intermediary compensation that is based upon your Intermediary placing and/or retaining a certain volume of business (number of Products sold or dollar value of premium) with MetLife. In addition, supplemental compensation may be payable to your Intermediary. Under MetLife’s current supplemental compensation plan, the amount payable as supplemental compensation may range from 0% to 8% of premium. The supplemental compensation percentage may be based on: (1) the number of Products sold through your Intermediary during a prior one-year period; (2) the amount of premium or fees with respect to Products sold through your Intermediary during a prior one-year period; (3) the persistency percentage of Products inforce through your Intermediary during a prior one-year period; (4) premium growth during apriorone-yearperiod;(5)afixedpercentageofthepremiumforProductsassetbyMetLife.ThesupplementalcompensationpercentagewillbesetbyMetLifepriortothebeginningofeachcalendaryearanditmay not be changed until the following calendar year. As such, the supplemental compensation percentage may vary from year to year, but will not exceed 8% under the current supplemental compensation plan.

The cost of supplemental compensation is not directly charged to the price of our Products except as an allocation of overhead expense, which is applied to all eligible group insurance products, whether or not supplemental compensation is paid in relation to a particular sale or renewal. As a result, your rates will not differ by whether or not your Intermediary receives supplemental compensation. If your Intermediary collectsthepremiumfromyouinrelationtoyourProducts,yourIntermediarymayearnareturnonsuchamounts.Additionally,MetLifemayhaveavarietyofotherrelationshipswithyourIntermediaryoritsaffiliates,orwithotherparties,thatinvolvethepaymentofcompensationandbenefitsthatmayormaynotberelatedtoyourrelationshipwithMetLife(e.g.,insuranceandemployeebenefitsexchanges,enrollmentfirmsandplatforms, sales contests, consulting agreements, or reinsurance arrangements).

More information about the eligibility criteria, limitations, payment calculations and other terms and conditions under MetLife’s base compensation and supplemental compensation plans can be found on MetLife’s Web site at www.metlife.com/brokercompensation. Questions regarding Intermediary compensation can be directed to [email protected], or if you would like to speak to someone about Intermediary compensation, please call (800) ASK 4MET. In addition to the compensation paid to an Intermediary, MetLife may also pay compensation to your representative. Compensation paid to your representative is for participating in the sale, servicing, and/or renewal of Products, and the compensation paid may vary based on a number of factors including the type of Product(s) and volume of business sold. If you are the person or entity to be charged under an insurance policy or annuity contract, you may request additional information about the compensation your representative expects to receive as a result of the sale or concerning compensation for any alternative quotes presented, by contacting your representative or calling (866) 796-1800.

L0817498021[exp0818][All States]

Table of Contents

4OPN2116245P2 of 112

5

We offer an easy-to-implement legal plan that is affordable, user-friendly and provides value to you and your employees. For around $18 a month, your employees will have access to our model group legal plan which covers the most frequently needed personal legal services. BROAD COVERAGE More than 14,000 attorneys in all 50 states and U.S. territories, with a broad range of legal specialties. We offer the freedomtochoosethewayyouinteractwithyourattorney,includingofficevisits,phoneconsultations,email,mailorfax. We even provide coverage for attorney services outside of our network.

EASE OF USE No claim forms. One toll-free number. Easy to implement. Helping you help your employees without creating additional work for you.

UNLIMITED ACCESS The group legal plan covers a wide range of issues that employees are likely to face with no time or page limits for better overall service and higher customer satisfaction.

ATTORNEY MANAGEMENT EXPERTISENetwork attorneys are subject to a comprehensive set of criteria before they are accepted. We look for experience, expertise and professionalism and each attorney is bound by our Attorney Code of Excellence.

OUTSTANDING CUSTOMER SERVICE Customer service is a key component to our success. In order to achieve this, we are appropriately staffed for peak-time usage and calls are answered live within eight seconds during operating hours.

MULTILINGUAL SERVICES Recognizing the global world we live in, we offer English and Spanish-speakingrepresentativesandmultilinguallawfirms.

GROUP LEGAL PLAN FEATURES HYATT Provider “A”

Provider “B”

Access to attorneys for an unlimited number of matters Yes

All legal services delivered by attorneys Yes

Encourages usage Yes

Provider pays network attorney fees for all covered matters Yes

No hour limits, page limits, claim forms, copays or waiting periods for network attorneys’ covered services

Yes

One toll-free phone number for all customer service needs Yes

Sponsors include many large employee benefitconsultants Yes

Easy to talk directly to actual customer service representatives Yes

Money-back guarantee Yes

Advice and consultations even for non-covered matters Yes

Serves more than 175 Fortune 500 companies Yes

Why Hyatt Legal Plans?

OPN2116245P2 of 112

Seasoned Professionals

6

THE HYATT LEGAL PLANS MANAGEMENT TEAM

Ingrid Tolentino ChiefExecutiveOfficer

Before joining Hyatt Legal Plans, Ingrid was Vice President, Business Services & Initiatives of Property & Casualty at MetLife.AgraduateofSyracuseUniversity,shealsoservedasPlanningOfficerforMetLifeandChiefofStafftothePresident of MetLife Group Property & Casualty.

Felicia SurtelChiefFinancialOfficer

Felicia oversees Accounting, Financial Planning and Reporting, Project Management and Business Strategic Planning areas. Felicia joined Hyatt in 2016 as the head of Finance and Business Planning and Strategy. Before that, she held a number of management positions at MetLife.

David Seed Director, Marketing and Sales Support

Dave joined Hyatt in 1999. His previous roles at Hyatt include working as a Client Service Center Supervisor and an Account Manager before joining the Marketing team in 2004. Dave holds an MA in History from Cleveland State University and a BA in Political Science from Bowling Green State University.

Ted W. Holcomb Director, National Account Administration

Prior to joining Hyatt Legal Plans in 2000, Ted was Vice President of a business in Pennsylvania that assisted employees returning to work after a disability. Ted is a graduate of Youngstown State University with a BS in Business Administration and an AS in Computer Technology.

THE HYATT LEGAL PLANS ACCOUNT TEAM

Brett FisherRegional Manager, Western Zones

Brett joined Hyatt in 2010. Brett started in the Client Service Center and then transitioned into the Marketing and Sales team in 2011. Brett earned his BS in Business Administration from The University of Dayton.

[email protected]

Meredith VonsauckenRegional Manager, Eastern Zones

Meredith joined Hyatt in 2014. Prior to starting at Hyatt Legal Plans, Meredith managed National Accounts for ADSI, a leading provider of logistics management solutions and HighJump Software, a global provider of supply chain manage-ment software. Meredith earned an MBA from Myers University and a BA from Ursuline College. Reach Meredith at 216-535-4325 or [email protected]

OPN2116245P2 of 112

Although 66% of Americans face one legal issue over the course of a year and a half, most handle the issues on their own.4 Most often, this is because they fearthecostoflegalexpensesordon’tknowhowtofindtherightattorney.Weare dedicated to providing experienced, customer-service oriented attorneys and have a comprehensive process in place to ensure that they meet our high standards. SELECTION PROCESS Our lawyers have an average of 25 years of experience (and we require a

minimumofeightyears),andthefirmswechoosearegivenextensivetrainingonallservicestandards.They are also continuously evaluated on their responsiveness to calls, commitment to clients and professionalism.

ATTORNEY PERFORMANCE MONITORING Attorneyperformanceismonitoredbyourstaffonanongoingbasisthroughrandomcasefileaudits,client feedback and plan member surveys. We also conduct an annual recredentialing process that includesalegalplanactivityreview,memberfeedback,verificationofmalpracticeinsuranceandmore.

STREAMLINED BILLING Our plans are easy to use. No claim forms are required for network service and all billing is handled between the network attorney and Hyatt Legal Plans.

LAW FIRM E-PANEL® Plan participants can send questions directly to attorneys via email at any time and receive answers electronically.

SELF-HELP DOCUMENTS We offer a large selection of legal forms that members and prospective members can use to handle certain legal issues on their own. Our self-help library has many of the most commonly used legal documents, including living wills, power of attorney, deeds, promissory notes, premarital agreements and more. Members can access this library through our member website, but prospective members also have access to our full library through our info site, where they can learn more about the plan and their coverages. Members can still contact a Network Attorney to review after completing the forms and werecommendthattheydotoensuredocumentsarefilledoutcorrectly.

Nationwide Attorney Network

7

of participating attorneys rated their experience with Hyatt Legal Plans as “excellent” or “good.”5

98%FAST FACT:

4American Bar Foundation, Accessing Justice in the Contemporary USA: Findings from the Community Needs and Services Study, 2014.5 Plan Sponsor Survey administered by Hyatt Legal Plans (November 2015).OPN2116245P2

of 112

Beforejoiningourattorneynetworkandprovidingservicetogrouplegalplanmembers,lawfirmattorneysagree to our Attorney Code of Excellence. This ensures that every attorney will meet the high standards that Hyatt requires. Our Code of Excellence includes the following:

∙ To treat each plan member with courtesy, dignity and respect.

∙ To provide each plan member with excellent legal representation.

∙ To keep each plan member fully informed of all developments in his or her case in a timely manner.

∙ To exercise independent professional judgment on behalf of each plan member.

∙ To exhibit the highest degree of ethical conduct in accordance with the applicable Code of Professional Responsibility or Model Rules of Professional Conduct.

∙ Tomaintainanofficewhichisprofessionalinstaffingandphysicalappearance.

∙ To keep and safeguard all information obtained from or about a legal plan client in a secure and safe place and to comply with all laws regarding the use of personal information.

∙ To obtain a signed written fee agreement for services not covered by the plan member’s legal plan prior to providing legal representation.

∙ To respond to any telephone call, email or other communication from a plan member or Hyatt Legal Plans’ headquarters within one business day of receipt.

∙ To cooperate with Hyatt Legal Plans in resolving any plan member inquiry within one business day of the inquiry.

∙ To direct any questions, concerns, or comments about legal plans to your panel representative.

Attorney Code of Excellence

8OPN2116245P2 of 112

Customer Service ResourcesOur commitment to serve our clients and our attorneys is what sets Hyatt Legal Plans apart. Our Client Service Representatives are professionally trained and our award-winning, easy-to-use website offers comprehensive information, resources and an Attorney Locator.

CLIENT SERVICE CENTER ∙ Staffed for peak volume ∙ Most issues are resolved in 24 hours or less ∙ Callers speak with a live representative 8 am to 8 pm

weekdays (ET) ∙ No talk-time restrictions

ONLINE HELP ∙ Welcome Guide for new plan members ∙ AttorneyLocatorhelpsmembersfindanappropriatelocal

attorney ∙ Self-helpdocumentpreparationandlinkstolegal,financialandwork-liferesources ∙ Mobile app for quick information available on both Android and Apple

FEEDBACK ∙ We conduct annual surveys to measure and improve sponsor, member and attorney satisfaction.

AWARDS ∙ We are proud to staff an award-winning Client Service Center with professional representatives who are

available to offer assistance at a moment’s notice. Some awards include: ∙ 2016 American Business Awards; Silver Stevie Award, Customer Service Department of the Year ∙ 2015 BenchmarkPortal Top 100 Call Center Awards; Top 10, Small Centers category

9

of plan members were satisfiedwiththehelpfulandcourteous service provided by our Client Service Center Representatives.6

99%FAST FACT:

6 Plan Member Survey administered by Hyatt Legal Plans (August 2015).OPN2116245P2 of 112

Frequently Asked QuestionsHOW DO EMPLOYEES ACCESS ATTORNEYS? Employees simply call our Client Service Center toll free or use the convenient “Attorney Locator” on our website (www.legalplans.com). When a member uses a Network Attorney for a covered matter, all attorney services are fully covered. Members can also download our Mobile App, where they can search for and contact attorneys in their area. WHAT IF AN EMPLOYEE HAS A CONCERN, QUESTION OR PROBLEM? Employees are always encouraged to contact our Client Service Center with any questions or details of any problems regarding the legal plan. They can call us toll free at 800-821-6400 or email us at [email protected]. Our team of representatives is able to handle and appropriately route all calls concerning coverage, eligibility or attorney issues.

WHAT ABOUT NON-COVERED MATTERS? If an employee desires service for a personal legal matter that is outside the scope of the plan, he or she can stillreceivetelephoneadvice,documentrevieworanofficeconsultationaboutthatmatter,solongasitisnotexcluded. This enables the employee to discuss the issues at length, understand his or her rights and options, and decide on a course of action. After the consultation, the attorney may decide that the matter is actually covered by the plan. If it is, the attorney will advise the employee and provide the service. If the matter is not covered, the attorney will provide a written fee estimate and the employee can choose whether or not to retain the attorney for further representation.

WHAT MATTERS ARE EXCLUDED? Thegrouplegalplanprovidesaconsultationbenefitformostpersonallegalmatters. What’s more, many personal legal matters are fully covered. Excluded from all coverage under the plan are the following:• Employment-relatedmatters,includingcompanyorstatutorybenefits

• Mattersinvolvingtheemployer,planattorneys,MetLifeandaffiliates

• Mattersinwhichthereisaconflictofinterestbetweentheemployeeandspouseordependents,inwhichcase services are excluded for the spouse and dependents

• Appeals and class actions

• Farm matters, business or investment matters, matters involving property held for investment or rental, or issues when the participant is the landlord

• Patent, trademark and copyright matters

• Costsandfines

• Frivolous or unethical matters • Matters for which an attorney-client relationship exists prior to theparticipantbecomingeligibleforplanbenefits

10OPN2116245P2 of 112

HOW DO WE TRANSFER ENROLLMENT DATA? Consistentwiththepayrollschedule,yourcompanyprovidesuswithacurrentfileofenrolledemployees.Thisfileincludesjustthreethings:theemployee’sname,SocialSecuritynumberandhomezipcode.This informationbecomestheelectronicfileusedtoquicklyverifyparticipationintheplan.Concurrentwithorshortly afterourreceiptoftheenrollmentfile,youprovidepaymentcorrespondingtothenumberofrecordsinthefilemultipliedbytheapplicablerate(s).Weareflexibleastothemodeofpayment(check,wiretransferorACH transfer).

WHAT TYPE OF ENROLLMENT ASSISTANCE IS PROVIDED? A Hyatt Account Manager will be assigned to your account as your single point of contact. Our team of Account Managers has extensive training and experience in implementing new legal plans and is ready to assistyourbenefitsstaffthroughallphasesofimplementation.InadditiontoaspecificAccountManagerassigned directly to your account, Hyatt Legal Plans provides sponsors with various materials at no charge. Thesematerialsareproventobeeffectiveincommunicatingthevalueofthisvoluntarybenefittoyouremployees.

SOME OF THESE ITEMS INCLUDE:• Brochures and posters: We provide brochures and posters that you can distribute. These materials describe the legal plan and provide responses to frequently asked questions.

• Video:Weofferanengagingenrollmentvideothatexplainsthebenefitsofthelegalplanandhowtouseit.

• Website for plan members and those thinking about enrolling: You can create a link from your intranet site to a special enrollment information section of our website, providing employees with complete access to details about the legal plan at the click of a mouse. Employees will also be able to navigate other areas ofourwebsitetoseehoweasyitwillbetofindnearbynetworkattorneys,checkoutlinksandresourceson legal matters and see video interviews with actual plan members.

• Email campaign: We can create multiple-release emails, which you can send your employees to remind them of the value of the plan and the enrollment period.

• Client Service Center: Whether employees are thinking about enrolling or trying to access the plan, our representatives answer all questions and help get the information they need.

• Newsletter articles: We have a large inventory of newsletter articles for you to post on your intranet site or publish in your company newsletter.

• Moble App: We have mobile applications for both Android and Apple for your employees to access to learn more about their plan, locate attorneys and obtain a case number.

11

FAQs continued...

OPN2116245P2 of 112

IS THERE A RATE GUARANTEE? Yes—wewillguaranteetherateforgroupsof1,000andmorebenefiteligibleemployees,foronetothreeyears (depending on your preference). The terms of the rate guarantee are set out in the contract issued to the plan sponsor. The monthly rate covers the employee, spouse and dependents (a child of the member and/or spouse, who is under the age of 26 and unmarried, or is disabled).

WHAT ABOUT PRE-EXISTING MATTERS? We encourage employees to use the legal plan to resolve as many legal issues as possible even if they are pre-existing matters. The only pre-existing matters which cannot be covered under our plan are those for whichtheemployeeretainedanattorneybeforebecomingeligibleforplanbenefits.Thispolicyisnecessaryto protect the existing attorney-client relationship.

DOES THE LEGAL PLAN OFFER FINANCIAL PLANNING SERVICES? Yes.Providingvaluablelegalandfinancialeducationresourcescanhelpyouremployeesbebetterpreparedand make informed decisions. Your Hyatt Legal Plan includes access to PlanSmart’s® Retirewise®, an award winning,nocost,on-siteworkshopseriesthatofferscomprehensiveretirementandfinancialeducation.These valuable important resources, combined with your Hyatt Legal Plan, provide your employees with an unbeatable value.

IS THE PLAN PORTABLE? Yes.

WILL THE PLAN COVER ACTIVE DUTY MILITARY? Yes.PlanmembersonActiveMilitaryDutywillremaineligibleforplanbenefitsatnocostwhiledeployed.

WILL THE PLAN COVER SURVIVING SPOUSES? Yes.Survivingspousesofmemberswillremaineligibleforplanbenefitsatnocostfortheremainderoftheplan year.

DO YOU PROVIDE USAGE REPORTS? Yes, and we’ll help you with analysis and evaluation of those reports.

12

FAQs continued...

OPN2116245P2 of 112

Get started now. It’s as easy as

Offer your employees convenient, affordable access to legal services, at no cost to your organization, in just three simple steps:

DECIDE TO OFFER THE PLAN TO EMPLOYEESThisstepentailsfillingoutsomesimplepaperwork.That’sit.Therearenocomplicatedformsorup-frontfees.Toensuretheseamlessadditionofalegalbenefitplan,weassignanAccountManagertoserveasyoursinglepoint of contact. The Account Manager assists with plan implementation, including employee education and communication, and billing and enrollment transmissions. With your Account Manager’s guidance, you can expect a straightforward implementation process with minimal effort required of you.

PROMOTE ENROLLMENT WITHIN THE ORGANIZATIONCommunicationhasasignificantimpactonthesuccessofanewemployeebenefit.Tooptimizeenrollment,we supply a variety of communication materials, free of charge, to foster awareness and help employees better understand the legal plan’s value.

PREPARE A SIMPLE ENROLLMENT FILE & PAYROLL DEDUCTIONSHyatt Legal Plans are employee-funded through payroll deduction. We also offer an employer-funded plan. Mostemployerssimplyaddthelegalplanasanoptiontotheiremployeebenefitsplanduringopenenrollment,andthenforwardtheenrollmentfileandpaymenttoHyattonamonthlybasis.That’sallwerequire—onesimplefile,onceamonth.Ongoingplanadministrationispracticallyeffortless. Formoreinformationonhowtoofferemployeesthisvaluablebenefit,atnodirectcosttoyourorganization,call us at 800-423-0300 or send us an email at [email protected].

13

Smart. Simple. Affordable.®

1- 2- 3.

“We’ve reviewed other service providers, but no one can come close to matching the service and price that Hyatt Legal Plans delivers. I highly recommend the plan because it demonstrates a commitment to employees, and it’s one more way to attract and retain the best people.”

Diane CrosierExecutiveDirector|SanDiegoCountyOfficeofEducation

OPN2116245P2 of 112

14

• Misdemeanor Defense•DefenseofTrafficTickets***

LAW FOR VEHICLE & DRIVING

Quote good through 12/31/2018. Employer-paid plans are available at substantially lower costs. Customized plans are available. Group legal plans and Family Matters provided by Hyatt Legal Plans, Inc., Cleveland, OH. In certain states, group legal plans and FamilyMattersprovidedthroughinsurancecoverageunderwrittenbyMetropolitanPropertyandCasualtyInsuranceCompanyandAffiliates,Warwick,RI.PleasecontactHyattLegalPlansforcompletedetailsoncoveredservicesincludingtrials.Noservice,includingadviceandconsultations,willbeprovidedfor:1)employment-relatedmatters,includingcompanyorstatutorybenefits;2)mattersinvolvingtheemployer,MetLife®andaffiliates,andplanattorneys;3)mattersinwhichthereisaconflictofinterestbetween the employee and spouse or dependents in which case services are excluded for the spouse and dependents; 4) appeals and class actions; 5) farm matters, business or investment matters, matters involving property held for investment or rental, or issueswhentheParticipantisthelandlord;6)patent,trademarkandcopyrightmatters;7)costsandfines;8)frivolousorunethicalmatters;9)mattersforwhichanattorney-clientrelationshipexistspriortotheparticipantbecomingeligibleforplanbenefits.Forallotherpersonallegalmatters,anadviceandconsultationbenefitisprovided.AdditionalrepresentationisalsoincludedforcertainmatterslistedaboveunderLegalRepresentation.Ratedoesnotincludethecosttodohomemailings,andassumessponsordoesenrollmentandsendsHyattLegalPlansamonthlyfileandpayment.*ThisbenefitprovidestheParticipantwithaccesstoLifeStagesIdentityManagementServicesprovidedbyCyberScout,LLC.CyberScoutisnotacorporateaffiliateofHyattLegalPlans.**MetLifeadministersthePlanSmartprogram,buthasarrangedforMassachusettsMutualLifeInsuranceCompany(MassMutual)tohavespecially-trainedfinancialprofessionalsofferfinancialeducationand,uponrequest,providepersonalguidanceto employees and former employees of companies providing this program through MetLife. See your MetLife representative for details. ***Does not cover DUI. ****For Family Matters, different terms and exclusions apply.

• Adoption • Guardianship • Conservatorship • Uncontested Custody• Divorce - 20 Hours• Enforcement/ModificationofSupportOrder• Name Change • Review of ANY Personal Legal Document • Juvenile Court Defense, including Criminal Matters • Parental Responsibility Matters • Review of Immigration Documents

LAW FOR FAMILY & PERSONAL

• Identity Management Services - LifeStages*• Personal Bankruptcy • Tax Audit Representation • Financial Education Workshops**

LAW FOR MONEY MATTERS

Consultation & Document Review for issues related to your parents: • Medicare • Medicaid • Prescription Plans • Nursing Home Agreements • Leases • Notes • Deeds • Wills • Powers of Attorney

• Simple Wills • Complex Wills • Revocable & Irrevocable Trusts • Powers of Attorney (Healthcare, Financial, Child-Care, Immigration) • Healthcare Proxies• Living Wills • Codicils • Probate

LAW FOR ELDER-CARE ISSUES

LAW TO PROTECT YOUR FUTURE/ESTATE• Sale or Purchase of Primary & Vacation Home • Tenant Negotiations • Eviction Defense

• Civil Litigation Defense • Disputes Over Consumer Goods & Services • Incompetency Defense • Pet Liabilities • Insurance Claims

LAW FOR HOME & REAL ESTATE

CIVIL LAWSUITS

Broward County BOCC Current Plan

Affordable through Payroll Deductions Cost Per Employee Per Month: Covers Spouse and Dependents

$15.37Additional Features Telephoneadviceandofficeconsultationsonanunlimitednumberofpersonallegalmatters.Trialsforcovered matters are covered from beginning to end, regardless of length, when using a network attorney.

Value Added Services from Hyatt Legal Plans and PlanSmart®** Providing valuable legal and financial education resources can help your employees be betterprepared and make informed decisions. Your Hyatt Legal Plan includes access to PlanSmart’s Retirewise®, an award-winning, no cost, on-site workshop series that offers comprehensive retirementandfinancialeducation.Thesevaluable,importantresources,combinedwithyourHyattlegal plan, provide your employees with an unbeatable value.

E-Services• Attorney Locator• Law Firm E-Panel®• Life Guide• DIY legal documents

Family MattersTM****

• Available for additional fee• Separate plan for parents of participants for estate planning documents

Reduced Fees• For personal injury matters,

provided by network attorneys

OPN2116245P2 of 112

15

• Misdemeanor Defense• Repossession •DefenseofTrafficTickets***

• Driving Privileges Restoration • License Suspension Due to DUI

LAW FOR VEHICLE & DRIVING

Quote good through 12/31/2018. Employer-paid plans are available at substantially lower costs. Customized plans are available. Group legal plans and Family Matters provided by Hyatt Legal Plans, Inc., Cleveland, OH. In certain states, group legal plans and FamilyMattersprovidedthroughinsurancecoverageunderwrittenbyMetropolitanPropertyandCasualtyInsuranceCompanyandAffiliates,Warwick,RI.PleasecontactHyattLegalPlansforcompletedetailsoncoveredservicesincludingtrials.Noservice,includingadviceandconsultations,willbeprovidedfor:1)employment-relatedmatters,includingcompanyorstatutorybenefits;2)mattersinvolvingtheemployer,MetLife®andaffiliates,andplanattorneys;3)mattersinwhichthereisaconflictofinterestbetween the employee and spouse or dependents in which case services are excluded for the spouse and dependents; 4) appeals and class actions; 5) farm matters, business or investment matters, matters involving property held for investment or rental, or issueswhentheParticipantisthelandlord;6)patent,trademarkandcopyrightmatters;7)costsandfines;8)frivolousorunethicalmatters;9)mattersforwhichanattorney-clientrelationshipexistspriortotheparticipantbecomingeligibleforplanbenefits.Forallotherpersonallegalmatters,anadviceandconsultationbenefitisprovided.AdditionalrepresentationisalsoincludedforcertainmatterslistedaboveunderLegalRepresentation.Ratedoesnotincludethecosttodohomemailings,andassumessponsordoesenrollmentandsendsHyattLegalPlansamonthlyfileandpayment.*ThisbenefitprovidestheParticipantwithaccesstoLifeStagesIdentityManagementServicesprovidedbyCyberScout,LLC.CyberScoutisnotacorporateaffiliateofHyattLegalPlans.**MetLifeadministersthePlanSmartprogram,buthasarrangedforMassachusettsMutualLifeInsuranceCompany(MassMutual)tohavespecially-trainedfinancialprofessionalsofferfinancialeducationand,uponrequest,providepersonalguidanceto employees and former employees of companies providing this program through MetLife. See your MetLife representative for details. ***Does not cover DUI. ****For Family Matters, different terms and exclusions apply.

• Adoption • Guardianship • Conservatorship • Uncontested Custody• Divorce - 20 Hours• Enforcement/ModificationofSupportOrder• Prenuptial Agreement• Name Change • Review of ANY Personal Legal Document • Juvenile Court Defense, including Criminal Matters • Parental Responsibility Matters • School Hearings • Demand Letters • Personal Property Issues• Affidavits• Garnishment Defense • Protection from Domestic Violence • Review of Immigration Documents

LAW FOR FAMILY & PERSONAL

• Identity Theft Defense• Identity Management Services - LifeStages*• Negotiations with Creditors • Debt Collection Defense • Personal Bankruptcy • Tax Audit Representation • Tax Collection Defense• Promissory Notes• Financial Education Workshops**

LAW FOR MONEY MATTERS

Consultation & Document Review for issues related to your parents: • Medicare • Medicaid • Prescription Plans • Nursing Home Agreements • Leases • Notes • Deeds • Wills • Powers of Attorney

• Simple Wills • Complex Wills • Revocable & Irrevocable Trusts • Powers of Attorney (Healthcare, Financial, Child-Care, Immigration) • Healthcare Proxies• Living Wills • Codicils • Probate

LAW FOR ELDER-CARE ISSUES

LAW TO PROTECT YOUR FUTURE/ESTATE• Foreclosure• Sale or Purchase of Primary & Vacation Home • Refinancing&HomeEquityLoan of Primary & Vacation Home • Tenant Negotiations • Eviction Defense • Security Deposit Assistance • Boundary & Title Disputes • Property Tax Assessments• Zoning Applications • Deeds • Mortgages

• Civil Litigation Defense • Disputes Over Consumer Goods & Services • Small Claims Assistance • Administrative Hearings • Incompetency Defense • Pet Liabilities • Insurance Claims

LAW FOR HOME & REAL ESTATE

CIVIL LAWSUITS

Broward County BOCC Custom Plan

Affordable through Payroll Deductions Cost Per Employee Per Month: Covers Spouse and Dependents

$16.50Additional Features Telephoneadviceandofficeconsultationsonanunlimitednumberofpersonallegalmatters.Trialsforcovered matters are covered from beginning to end, regardless of length, when using a network attorney.

Value Added Services from Hyatt Legal Plans and PlanSmart®** Providing valuable legal and financial education resources can help your employees be betterprepared and make informed decisions. Your Hyatt Legal Plan includes access to PlanSmart’s Retirewise®, an award-winning, no cost, on-site workshop series that offers comprehensive retirementandfinancialeducation.Thesevaluable,importantresources,combinedwithyourHyattlegal plan, provide your employees with an unbeatable value.

E-Services• Attorney Locator• Law Firm E-Panel®• Life Guide• DIY legal documents

Family MattersTM****

• Available for additional fee• Separate plan for parents of participants for estate planning documents

Reduced Fees• For personal injury matters,

provided by network attorneys

OPN2116245P2 of 112

16

NetworkADVICE AND CONSULTATION IN OUT-OFOfficeConsultationThisbenefitprovidestheopportunitytodiscusswithanattorneyanypersonallegalproblemsthatarenotspecificallyexcluded.ThePlanAttorneywillexplaintheParticipant’srights,pointouthisorheroptionsandrecommend a course of action. The Plan Attorney will identify any further coverage available under the Plan, and will undertake representation if the Participant so requests. If representation is covered by the Plan, the Participant will not be charged for the Plan Attorney’s services. If representation is recommended, but is not covered by the Plan, the Plan Attorney will provide a written fee statement in advance. The Participant may choose whether to retain the Plan Attorney at his or her own expense, seek outside counsel, or do nothing. There are no restrictions onthenumberoftimesperyearaParticipantmayusethisbenefit,althoughitisnotintendedtoprovidetheParticipant with continuing access to a Plan Attorney in order to undertake his or her own representation.

Fully Covered $70

Telephone Advice(seedefinitionabove) Fully Covered $70

CONSUMER PROTECTION MATTERS IN OUT-OFConsumer Protection MattersThisbenefitcoverstheParticipantasaplaintiff,forrepresentation,includingtrial,indisputesoverconsumergoodsand services where the amount being contested exceeds the small claims court limit in that jurisdiction and is docu-mentedinwriting.Thebenefitdoesnotincludedisputesoverrealestate,construction,insuranceorcollectionactivitiesafter a judgment.• Correspondence and Negotiation Fully Covered $500• Filing of Suit, Ending in Settlement or Judgment Fully Covered $2,000• Plus Trial Supplement for Out-of-Network Service* $100,000Personal Property ProtectionThisbenefitcoverscounselingtheParticipantoverthephoneorintheofficeonanypersonalpropertyissuesuchasconsumer credit reports, contracts for the purchase of personal property, consumer credit agreements or installment salesagreements.Counselingonpursuingordefendingsmallclaimsactionsisalsoincluded.Thebenefitalsoincludesreviewinganypersonallegaldocumentsandpreparingpromissorynotes,affidavitsanddemandletters.

Fully Covered $125

Small Claims AssistanceThisbenefitcoverscounselingtheParticipantonprosecutingasmallclaimsaction;helpingtheParticipantprepare documents; advising the Participant on evidence, documentation and witnesses; and preparing the Participantfortrial.ThebenefitdoesnotincludethePlanAttorney’sattendanceorrepresentationatthesmallclaims trial, collection activities after a judgment or any services relating to post-judgment actions.

Fully Covered $200

DEFENSE OF CIVIL LAWSUITS IN OUT-OFAdministrative Hearing RepresentationThisbenefitcoversParticipantsindefenseofcivilproceedingsbeforeamunicipal,county,stateorfederaladministrative board, agency or commission, and includes hearings before an administrative board or agency over an adverse governmental action. It does not apply where services are available or are being provided by virtue of an insurance policy, and does not include family law matters, post judgment matters or litigation of a job-related incident.• Negotiation and Settlement Fully Covered $500• Contested Hearings ending in Settlement or Judgment Fully Covered $1,800• Plus Trial Supplement for Out-of-Network Service* $100,000Incompetency DefenseThisbenefitcoverstheParticipantinthedefenseofanyincompetencyaction,includingcourthearingswhenthereisaproceedingtofindtheParticipantincompetent• Negotiation and Settlement Fully Covered $500• Trial Fully Covered $1,800• Plus Trial Supplement for Out-of-Network Service* $100,000Civil Litigation DefenseThisbenefitcoverstheParticipantindefenseofanarbitration,mediationorcivilproceedingbeforeamunicipal,county, state or federal administrative board, agency or commission, or in a trial court of general jurisdiction. It does not apply where services are available or are being provided by virtue of an insurance policy, and does not include family law matters, post judgment matters, matters with criminal penalties or litigation of a job-related incident. The benefitdoesnotincludebringingcounter,third-partyorcrossclaims.

BenefitDefinitions&Reimbursements

OPN2116245P2 of 112

17

NetworkDEFENSE OF CIVIL LAWSUITS (continued) IN OUT-OF• Negotiation and Settlement Fully Covered $650• Filing answer, litigation ending in Settlement or Judgment Fully Covered $2,000• Plus Trial Supplement for Out-of-Network Service* $100,000DOCUMENT PREPARATION AND REVIEW IN OUT-OFAffidavitsThisbenefitcoverspreparationofanyaffidavitinwhichtheParticipantisthepersonmakingthestatement. Fully Covered $75

DeedsThisbenefitcoversthepreparationofanydeedforwhichtheParticipantiseitherthegrantororgrantee. Fully Covered $100

Demand LettersThisbenefitcoversthepreparationoflettersthatdemandmoney,propertyorsomeotherpropertyinterestoftheParticipant, except an interest that is an excluded service. It also covers mailing them to the addressee, and forwarding and explaining any response to the Participant.

Fully Covered $75

Document ReviewThisbenefitcoversthereviewofanypersonallegaldocumentoftheParticipant,suchasletters,leasesorpurchaseagreements.Thebenefitincludesthefollowingactsbytheattorneyasanotarypublic:acknowledgmentofsignatures,affirmationofaffidavits,andadministrationofoathsmadebytheparticipant.

Fully Covered $100

Elder Law MattersThisbenefitcoverscounselingtheParticipantoverthephoneorintheofficeonanypersonalmattersrelatingtotheParticipant’sparentsastheyaffecttheParticipant.Thebenefitincludesreviewingdocumentsoftheparentstoadvisethe Participant on the effect on the Participant. The documents include Medicare or Medicaid materials, prescription plans, leases, documents related to the parents’ home, nursing home agreements, powers of attorney, living wills andwills.ThebenefitalsoincludespreparingdeedsinvolvingtheparentswhentheParticipantiseitherthegrantororgrantee; and preparing promissory notes involving the parents when the Participant is the payor or payee.

Fully Covered $140

MortgagesThisbenefitcoversthepreparationofanymortgageordeedoftrustforwhichtheParticipantisthemortgagor. Fully Covered $70

Promissory NotesThisbenefitcoversthepreparationofanypromissorynoteforwhichtheParticipantisthepayororpayee. Fully Covered $70

ESTATE MATTERS PLANNING DOCUMENTS IN OUT-OFTrustsThisbenefitcoversthepreparationofrevocableandirrevocablelivingtrustsfortheParticipant.Itdoesnotincludetaxplanning or services associated with funding the trust after it is created.• Individual Fully Covered $325• Member and Spouse Fully Covered $450Living WillsThisbenefitcoversthepreparationofalivingwillfortheParticipant.• Individual Fully Covered $75• Member and Spouse Fully Covered $80Powers of AttorneyThisbenefitcoversthepreparationofanypowerofattorneywhentheParticipantisgrantingthepower.• Individual Fully Covered $65• Member and Spouse Fully Covered $75Wills and Codicils (Including Simple Support Trust for Minor Children)ThisbenefitcoversthepreparationofasimpleorcomplexwillfortheParticipant.Thecreationofanytestamentarytrustiscovered.Thebenefitincludesthepreparationofcodicilsandwillamendments.Itdoesnotincludetaxplanning.• Individual Fully Covered $150• Member and Spouse Fully Covered $200IMMIGRATION IN OUT-OFImmigration AssistanceThisbenefitcoversadviceandconsultation,preparationofaffidavitsandpowersofattorney,reviewofanyimmigration documents and helping the Participant prepare for hearings.

Fully Covered $500

continued...

OPN2116245P2 of 112

18

NetworkFAMILY LAW IN OUT-OFAdoption and Legitimization ThisbenefitcoversalllegalservicesandcourtworkinastateorfederalcourtforanadoptionorlegitimizationforthePlanMemberandspouse.Thereformationofabirthcertificateisalsocovered.• Uncontested Fully Covered $650• Contested Fully Covered $1,500• Plus Trial Supplement for Out-of-Network Service* $100,000Guardianship or ConservatorshipThisbenefitcoversestablishingaguardianshiporconservatorshipoverapersonandhisorherestatewhenthePlan Member or spouse is being appointed as guardian or conservator. It includes obtaining a permanent and/or temporary guardianship or conservatorship, gathering any necessary medical evidence, preparing the paperwork, attending the hearing and preparing the initial accounting. It does not include representation of the person over whom guardianship or conservatorship is sought, any annual accountings after the initial accounting, or terminating the guardianship or conservatorship once it has been established.• Uncontested Fully Covered $650• Contested Fully Covered $1,500• Plus Trial Supplement for Out-of-Network Service* $100,000Name ChangeThisbenefitcoverstheParticipantforallnecessarypleadingsandcourthearingsforalegalnamechange. Fully Covered $400

Prenuptial AgreementThisbenefitcoversrepresentationofthePlanMemberandincludesthenegotiation,preparation,reviewandexecutionofaPrenuptialAgreementbetweenthePlanMemberandhisorherfiancé/partnerpriortotheirmarriage or legal union (where allowed by law). It does not include subsequent litigation arising out of a prenuptial agreement.Thefiancé/partnermusteitherhaveseparatecounselorwaivehis/herrighttorepresentation.

Fully Covered $750

Protection from Domestic ViolenceThisbenefitcoversthePlanMemberonly,notthespouseordependents,asthevictimofdomesticviolence.ThebenefitprovidesthePlanMemberwithrepresentationtoobtainaprotectiveorder,includingallrequiredpaperwork and attendance at all court appearances. It does not include representation in suits for damages, defense of any action, or representation for the offender.

Fully Covered $425

Uncontested Change or Establishment of Custody OrderThis service is available to the Plan Member and spouse, and covers preparation of petitions, consent forms and waivers, and representation at any court hearings provided all parties are in agreement to establish or modify a child custody order.• Uncontested Fully Covered $650EnforcementorModificationofSupportOrderThis service is available to the Participant and spouse, and covers representation after a judgment has been entered to enforce or modify a court’s award of support or alimony, whether the Participant or spouse is a plaintiff or a defendant. This service does not cover transfer of a divorce decree from one state to another, the division of property, or collection activities after a judgment.

Fully Covered $750

Divorce, Dissolution, and Annulment (Contested and Uncontested) - Twenty Hour MaximumThisserviceisavailabletothePlanMemberonly,nottoaspouseordependents,forthefirsttwentyhoursofservice.Thisserviceincludespreparingandfilingallnecessarypleadings,motionsandaffidavits,draftingsettlement agreements, and representation at the hearing or trial, whether the Plan Member is a plaintiff or a defendant. This service does not include disputes that arise after a decree is issued. It is the Plan Member’s responsibilitytopayfeesbeyondthefirsttwentyhours.• Uncontested Fully Covered $1,800• Contested Fully Covered $1,800PERSONAL INJURYPersonal Injury (25% Network Maximum)Subject to applicable law and court rules, Plan Attorneys handle personal injury matters (where the Participant is the plaintiff) at a maximum fee of 25% of the gross award. It is the Participant’s responsibility to pay this fee and all costs.

continued...

OPN2116245P2 of 112

19

NetworkDEBT AND FINANCIAL MATTERS IN OUT-OFDebt Collection Defense ThisbenefitprovidesParticipantswithanattorney’sservicesfornegotiationwithcreditorsforarepaymentscheduleand to limit creditor harassment, and representation in defense of any action for personal debt collection, tax agency debt collection, foreclosure, repossession, garnishment and student loans, up to and including trial if necessary. It includes a motion to vacate a default judgment. It does not include counter, cross or third-party claims; bankruptcy; any action arising out of family law matters, including support and post-decree matters; or any matter wherethecreditorisaffiliatedwiththeSponsororEmployer.Debt Collection Defense (Consumer Debts)• Negotiation and Settlement Fully Covered $350• Negotiation and Settlement after Complaint and Answer Filed Fully Covered $600• Trial Fully Covered $1,050• Plus Trial Supplement for Out-of-Network Service* $100,000Debt Collection Defense (Foreclosures)• Negotiation Fully Covered $500• Complaint and Answer Filed, Settlement Negotiations Fully Covered $850• Trial Fully Covered $1,500• Plus Trial Supplement for Out-of-Network Service* $100,000Identity Theft DefenseThisbenefitprovidestheParticipantwithconsultationswithanattorneyregardingpotentialcreditoractionsresultingfromidentitytheftandattorneyservicesasneededtocontactcreditors,creditbureausandfinancialinstitutions,andtohelprestorecreditandidentity.Italsoprovidesdefenseservicesforspecificcreditoractionsoverdisputedaccounts.Thedefense services include limiting creditor harassment and representation in defense of any action that arises out of the identity theft such as foreclosure, repossession, garnishment and student loans, up to and including trial if necessary. The benefitalsoprovidestheParticipantwithonlinehelpandinformationaboutidentitytheft,restoration,andprevention.Itdoes not include counter, cross or third-party claims; bankruptcy; any action arising out of family law matters, including supportandpost-decreematters;oranymatterwherethecreditorisaffiliatedwiththeSponsororEmployer.

Fully Covered $250

LifeStages - Identity Management ServicesThisbenefitprovidestheParticipantwithaccesstoLifeStagesIdentityManagementServicesprovidedbyCyberScout,LLC. It includes both Proactive Services when the Participant believes their personal data has been compromised as well as Resolution Services to assist the Participant in recovering from account takeover or identity theft with unlimited assistancetofixissues,handlenotifications,andprovidevictimswithcreditandfraudmonitoring.TheftSupport,FraudSupport,RecoveryandReplacementservicesarecoveredbythisbenefit.

Fully Covered -

Personal Bankruptcy or Wage Earner PlanThis benefit covers the Plan Member and spouse in pre-bankruptcy planning, the preparation and filing of a personal Chapter 7 or 13 bankruptcy or Wage Earner petition, and representation at all court hearings and trials. It is not available if a creditor is affiliated with the Sponsor or Employer, even if the Plan Member or spouse chooses to reaffirm that specific debt.• Chapter 7 Individual or Member/Spouse Fully Covered $850• Chapter 13 Individual or Member/Spouse Fully Covered $1,400Tax Audit RepresentationThisbenefitcoversreviewingtaxreturnsandansweringquestionstheIRSorastateorlocaltaxingauthorityhas concerning the Participant’s tax return, negotiating with the agency, advising the Participant on necessary documentation,andattendinganIRSorastateorlocaltaxingauthorityaudit.Thebenefitdoesnotincludeprosecuting a claim for the return of overpaid taxes or the preparation of any tax returns.• Negotiation and Settlement Fully Covered $500• Audit Hearing Fully Covered $1,200INSURANCE MATTERS IN OUT-OFInsurance ClaimsThis service provides the Participant with assistance in making insurance claims with the Participant’s owncarrier,providedthecarrierisnotaffiliatedwiththePlanMember’sSponsororEmployer.Litigationofcoverage issues is included. Litigation of damages is not included.

Fully Covered $300

continued...continued...

OPN2116245P2 of 112

20

NetworkJUVENILE MATTERS IN OUT-OFJuvenile Court Defense ThisbenefitcoversthedefenseofaParticipantandaParticipant’sdependentchildinanyjuvenilecourtmatter,providedthereisnoconflictofinterestbetweentheParticipantandthedependentchild.Whenaconflictexists,orwherethecourtrequiresseparatecounselforthechild,thebenefitprovidesanattorneyforthePlanMemberonly,including services for Parental Responsibility.• Negotiation and Settlement Fully Covered $500• Trial Fully Covered $1,200• Plus Trial Supplement for Out-of-Network Service* $100,000PROBATE IN OUT-OFProbate ProceedingsThis service provides representation for the Plan Member and spouse when the Plan Member or spouse is probating an estate and has been appointed executor or administrator. The service includes all of the court proceedings to transfer probate assets from the decedent to the heirs; the correspondence necessary to transfer non-probate assets such as proceeds from insurance policies, joint bank accounts, stock accounts or a house; andanytaxfilings.Thisservicedoesnotincludeprosecutingordefendinganylitigationincludingawillcontest.• Affidavit/SimpleProcedure/TaxOnly Fully Covered $500• Standard Probate/Court Supervised Probate Fully Covered $1,500REAL ESTATE MATTERS IN OUT-OFBoundary or Title Disputes (Primary Residence)Thisbenefitcoversnegotiationsandlitigationarisingfromboundaryorrealpropertytitledisputes,including easements, involving a Participant’s primary residence, where coverage is not available under the Participant’shomeownerortitleinsurancepolicies.Itincludesfilingtoremoveamechanic’slien.• Negotiation and Settlement Fully Covered $500• Trial Fully Covered $1,500• Plus Trial Supplement for Out-of-Network Service* $100,000Eviction and Tenant Problems (Primary Residence) - Tenant Only This benefit covers the Participant as a tenant for matters involving leases, security deposits or disputes with a residential landlord. The benefit includes eviction defense, up to and including trial. It does not include representation in disputes with other tenants or as a plaintiff in a lawsuit against the landlord, including an action for return of a security deposit.• Correspondence and Negotiations Fully Covered $280• Eviction Trial Defense Fully Covered $840• Plus Trial Supplement for Out-of-Network Service* $100,000Security Deposit Assistance (Primary Residence) - Tenant Only ThisbenefitcoverscounselingtheParticipantasatenantinrecoveringasecuritydepositfromtheParticipant’s landlord for the Participant’s primary residence; reviewing the lease and other relevant documents;andpreparingademandlettertothelandlordforthereturnofthesecuritydeposit.Thebenefitalso covers assisting the Participant in prosecuting a small claims action; helping prepare documents; advising on evidence, documentation and witnesses; and preparing the Participant for the small claims trial. It does not include the Plan Attorney’s attendance or representation at the small claims trial, collection activities after a judgment or any services relating to post-judgment actions.• Demand Letter/Negotiations Fully Covered $250• Counseling on Preparing Small Claims Complaint and Trial Preparation Fully Covered $150Property Tax Assessments (Primary Residence)ThisbenefitcoverstheParticipantforreviewandadviceonapropertytaxassessmentontheParticipant’sprimaryresidence.Italsoincludesfilingthepaperwork,gatheringtheevidence,negotiatingasettlement,andattending the hearing necessary to seek a reduction of the assessment.• Negotiation and Settlement Fully Covered $270• File Request for Hearing with Attendance at Hearing Fully Covered $620• Plus Trial Supplement for Out-of-Network Service* $100,000

continued...

OPN2116245P2 of 112

21

NetworkREAL ESTATE MATTERS (continued) IN OUT-OFHome Equity Loan (Primary Residence or Second Home or Vacation Home)This service covers the review or preparation of a home equity loan on the Participant’s primary residence or second home or vacation home.

Fully Covered $350

RefinancingofHome(Primary Residence or Second Home or Vacation Home)Thisbenefitcoverstherevieworpreparation,byanattorneyrepresentingtheParticipant,ofallrelevantdocuments(includingtherefinanceagreement,mortgageanddeed,anddocumentspertainingtotitle,insurance,recordationandtaxation),whichareinvolvedintherefinancingoforobtainingahomeequityloanonaParticipant’sprimaryresidenceorsecondhomeorvacationhome.Thebenefitalsoincludesattendanceofanattorneyatclosing,andincludesobtainingapermanentmortgageonanewlyconstructedhome.Thebenefitdoesnotincludeservicesprovidedbyanyattorneyrepresentingalendinginstitutionortitlecompany,anddoesnotincludetherefinancingofa second home, vacation property or property that is held for any rental, business, investment or income purpose.

Fully Covered $350

Sale or Purchase of Home (Primary Residence or Second Home or Vacation Home)Thisbenefitcoverstherevieworpreparation,byanattorneyrepresentingtheParticipant,ofallrelevantdocuments (including the construction documents for a Participant’s primary residence or second home or vacation home, the purchase agreement, mortgage and deed, and documents pertaining to title, insurance, recordation and taxation), which are involved in the purchase or sale of a Participant’s primary residence or avacantpropertytobeusedforbuildingaprimaryresidence.Thebenefitincludesattendanceofanattorneyat closing, and does not include services provided by any attorney representing a lending institution or title company. It does not include the sale or purchase of a second home, vacation property, rental property, property held for business or investment or leases with an option to buy.

Fully Covered $500

Zoning Applications (Primary Residence)ThisbenefitprovidestheParticipantwiththeservicesofanattorneytohelpgetazoningchange,buildingcodechangeorvariancefortheParticipant’sprimaryresidence.Thebenefitincludesreviewingthelaw,reviewing the surveys, advising the Participant, preparing applications, and preparing for and attending the administrative hearing.• Preparation of Documentation Fully Covered $250• Documentation / Attending Hearing Fully Covered $500TRAFFIC AND CRIMINAL MATTERS IN OUT-OF

Restoration of Driving PrivilegesThisbenefitcoverstheParticipantwithrepresentationinproceedingstorestoretheParticipant’sdrivinglicense.

Fully Covered $385

TrafficTicketDefense(NoDUI)ThisbenefitcoversrepresentationoftheParticipantindefenseofanytrafficticketincludingtrafficmisdemeanoroffenses,exceptdrivingunderinfluenceorvehicularhomicide,includingcourthearings,negotiation with the prosecutor and trial.• Plea or Trial at Court Fully Covered $250• Plea or Trial at Court for serious moving violations resulting in jail time or license suspension Fully Covered $500• Plus Trial Supplement for Out-of-Network Service* $100,000Misdemeanor DefenseThis service covers representation for Participants in defense of any criminal misdemeanor charge exceptthoserelatingtotrafficordrivingunderinfluencecharges.Representationincludescourthearings, negotiation with the prosecutor and trial. It does not include representation of a felony charge that is subsequently reduced to a misdemeanor. This service also does not cover any post-sentencing proceeding, probation violation hearing or appeals by either party.• Negotiated Plea Fully Covered $500• Trial Fully Covered $1,250• Plus Trial Supplement for Out-of-Network Service* $100,000

* Trial Supplement - In addition to fees indicated, we will pay the attorney’s fees for representation in trial beyond the second day of trial up to a maximum of $800 per day up to $100,000 total trial supplement maximum.

Exclusions:Noservice,includingadviceandconsultations,willbeprovidedfor1)employment-relatedmatters,includingcompanyorstatutorybenefits;2) matters involving the employer, MetLife®andaffiliates,andplanattorneys;3)mattersinwhichthereisaconflictofinterestbetweentheplanmemberand spouse or dependents in which case services are excluded for the spouse and dependents; 4) appeals and class actions; 5) farm and business matters, includingrentalissueswhentheparticipantisthelandlord;6)patent,trademarkandcopyrightmatters;7)costsandfines;8)frivolousorunethicalmatters;9)mattersforwhichanattorney-clientrelationshipexistpriortotheparticipantbecomingeligibleforplanbenefits.Additionalrepresentationisalsoincludedfor certain matters listed above. L1217501214[exp0219][All States][DC,PR]

continued...

OPN2116245P2 of 112

22

Identity Theft - LifeStages*

Proactive ServicesWhen your personal data is compromised we can help you take preventive measures, such as placing fraud alerts, to help avoid identity theft.

Resolution ServicesRecover from account takeover or identity theft with unlimitedassistancetofixissues,handlenotificationsand provide credit and fraud monitoring for victims.

Document Replacement ServicesReplace lost, stolen or destroyed documents and identificationandgethelpnotifyinggovernmentagencies and providers.

Child Identity Theft SupportInvest in your children’s future by asking us to help protect their identities now, before they’re the victims of fraud or theft.

Tax Fraud SupportCut through taxing red tape and secure your refund with our expert guidance after crooks steal your Social Securitynumberandfileinyourname.

Financial Fraud SupportReach out to us to protect your current and future credit from unauthorized account activity, account takeovers, andfinancialaccountsopenedinyourname.

Military Identity Theft SupportProtect your good name when you’re defending our country. We’ll work with you or an authorized relative to place an active-duty military fraud alert.

Medical Identity Theft SupportIf criminals use your personal data to commitmedical fraud, we help you heal your identity andget back on your feet.

Travel Identity Theft SupportContact a fraud specialist to help replace your lostor stolen IDs, passports, visas and other documentsno matter where you are on the globe.

Estate Identity Theft SupportKeep the identities of deceased family memberssafe with help from our fraud experts, so frauddoesn’t come back to haunt you.

Break-In RecoveryStop thieves in their tracks after a home, auto orboat break-in with assistance from our fraud expertsto prevent use of compromised personal data.

Disaster RecoveryWe help you recover after a natural disaster,assisting you with ID and document replacement aswellasprovidingaccesstofinancialinstitutionsandother providers.

Employment Identity Theft SupportCall us to give pink slips to criminals who build theiridentities, careers, and Social Security credit usingyour personal information.

NEW SERVICE ENHANCEMENTS LifeStages continuously evolves with new services designed to

meet the emerging risks you face every day.

Email Compromise AssistThwart, detect and recover from email hacking. Plus, get

help managing your identity and privacy in your online communications.

Social Media Compromise AssistGet smart about managing your family’s reputation on social

networks.

Phish AssistSidestep phishing scams with our detection and recovery support when crooks try to steal your personal data, online

usernames, passwords and credit card data.

System Protection GuidanceProtect devices—tablets, computers and smartphones. Our fraud specialists will provide industry rated resources and

options.

Breach AssistRespondswiftly,confidentlyandcorrectlywhencompanies

notify you that your data has been compromised.

Assisted Living Fraud SupportLean on us for guidance in power of attorney and legal

guardianship matters to assist with identity management and resolving fraudulent misuse.

PERSONALIZED IDENTITY MANAGEMENT FOR EVERY STAGE OF LIFE.

*ThisbenefitprovidestheParticipantwithaccesstoLifeStagesIdentityManagementServicesprovidedbyCyberScout,LLC.CyberScoutisnotacorporateaffiliateofHyattLegalPlans.OPN2116245P2 of 112

23

Unconditional Money-Back Guarantee for Voluntary Enrollment Members

Employees at Hyatt Legal Plans are committed to treating you with the courtesy, dignity and respect you deserve.

WE GUARANTEE THAT OUR CLIENT SERVICE CENTER REPRESENTATIVES WILL: ∙ Answer your call promptly ∙ Explainyourbenefitsandhelpyouunderstandcoverageissues ∙ Devote as much time as necessary to address your questions and

requests ∙ Offer you a choice of network attorneys or, in rare cases where we do not have a lawyer in your area,

provide you with a method to select your own attorney and be reimbursed for your covered legal fees ∙ Direct you to a panel representative to resolve concerns requiring special attention

WE GUARANTEE THAT OUR PANEL REPRESENTATIVES WILL: ∙ Devote as much time as necessary to hear and fully understand your concerns ∙ Use their background and training to resolve any concern with your network attorney within three

business days ∙ Help you understand coverage issues

WE GUARANTEE THAT OUR PARTICIPATING LAW FIRMS WILL: ∙ Exhibit the highest degree of ethical conduct required by the applicable Code of Professional

Responsibility or Model Rules of Professional Conduct ∙ Maintainaprofessionalofficeenvironment ∙ Enter into written fee agreements with you for services not covered by your legal plan prior to providing

those services, so that you understand in advance the attorney’s fees for which you are responsible ∙ Cooperate with Hyatt Legal Plans to resolve any problems within one business day of the report of the probleminordinarycases,andnolaterthanfivebusinessdaysofthereportoftheprobleminunusualcases

WE DON’T MAKE THESE GUARANTEES LIGHTLY If you ever believe we’ve fallen short of our commitment to you, please call us (800-821-6400) or send an email toclientinquiry@legalplans.comtoletusknow.Wewillworkhardtofixtheproblemtoyoursatisfaction.Ifwecan’t,wewilleitherrefundyourlegalplandeductionsforyourcurrentbenefitenrollmentperioduptooneyearor provide one free year of additional eligibility under your legal plan, whichever you decide. It’s our unconditional guarantee to you!

Client Service Center operating hours: 8 am to 8 pm Monday through Friday (ET). Group legal plans are offered by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio.Incertainstates,grouplegalplansareprovidedthroughinsurancecoverageunderwrittenbyMetropolitanPropertyandCasualtyInsuranceCompanyandAffiliates,Warwick, Rhode Island. MetLife is a registered trademark of Metropolitan Life Insurance Company New York, NY. L1117500578[exp0119][All States][DC,PR]

OPN2116245P2 of 112

24

References

Advance Auto Parts (sponsor since 2004)Barbara Cisco, Rewards Administrator5008 Airport Road NWRoanoke, Virginia [email protected]

Rochester Institute of Technology (sponsor since 2000)JudyDeCourcey,SeniorBenefitsSpecialistEastman Building, 5th Floor, 8 Lomb Memorial DriveRochester, New York [email protected]

Ameren (sponsor since 2006)Lisa Roseland, Sr. Manager, Healthcare&BenefitOperations1901 Chouteau Avenue, MC 533St. Louis, Missouri [email protected]

Ryder System (sponsor since 1996)PamelaRothstein,DirectorofBenefits11690 NW 105th StreetMiami, Florida [email protected]

Bertelsmann (sponsor since 2009)RobertKlee,SeniorManager,CorporateBenefits1745 BroadwayNew York, New York 10019212.721.1091 [email protected]

State of Georgia (sponsor since 2010)ValerieHenderson,HRBenefits&ProgramManager2 Martin Luther King Jr. Dr. SE, Suite 1920 Atlanta, Georgia [email protected]

Corning Incorporated (sponsor since 2001)Matt Buto, Supervisor Integrated Health & EmployeeBenefitsOne River Front PlazaCorning, New York [email protected]

University of Michigan (sponsor since 1996)KarenBaer,BenefitsSupervisorWolverine Tower Low-Rise G4053003 South State StreetAnn Arbor, Michigan [email protected]

PepsiCo (sponsor since 1987)LaurenDahling,Sr.BenefitAnalyst 700 Anderson Hill Road Purchase, New York 10577 914.253.3255 [email protected]

University of Southern California (sponsor since 2009)AwildaP.Bregand,ExecutiveDirector,OfficeofBenefitsAdministration3720 S. Flower Street, 2nd Floor, CUB 203 MC 0704Los Angeles, California [email protected]

L0417493911[exp0618][All States][DC,PR]OPN2116245P2 of 112


Pre-Paid Legal Service, Inc. (d.b.a. LegalShield) Additional Services Offered


No Additional Services Listed in Plan Design Questionnaire - 2

OPN2116245P2 of 112

Prepared by LegalShield

March 29, 2018Proposal Valid for 180 days.

EMPLOYEE LEGAL

For more information, please contact:

Sheet_Proposal_NP_GR_070317

Christopher FarmenNational Sales Manager LegalShield Business Solutions 580.665.9185

PROTECTION PLAN for BROWARD COUNTY BOARD OF COUNTY COMMISSIONERS

1OPN2116245P2 of 112

TABLE of CONTENTS

Protecting Your Bottom Line ................................... 3Why LegalShield? ......................................................... 4LegalShield National Plan Overview ..................... 10

National Plan Pricing .................................................. 11LegalShield Coverage Definitions ........................ 12 Enrollment Options ................................................... 21

About LegalShield ..................................................... 22

2OPN2116245P2 of 112

EMPLOYEES ARE FINANCIALLY STRESSED and unprepared for unexpected expenses. By commonly dealing with their personal finances in the workplace, your workers lose productivity and YOUR COMPANY LOSES MONEY.

Financial stress not only decreases productivity it puts your employees at a greater risk for an injury or illness.

By protecting your employees from the financial stress of an unexpected legal and identity theft event, your employees will be more engaged, focused, and productive—benefiting them and your bottom line!

PROTECTINGYOUR BOTTOM LINE

—WITH LegalShield

Sources: 1. Harris Poll on behalf of Purchasing Power of 2,080 working U.S. adults employed full-time, Dec. 14-16, 2015. 2. The 2014 Employee Financial Stress Survey, commissioned by Elevate. 3. Human Resources Executive, “FinancialStress and Productivity Are Inextricably Linked,” Elizabeth Halkos, May 2014.

OF EMPLOYEESspend 2–3 hours while at work each week on personal finances, 24% spend over 4 hours1

34%OF EMPLOYERS

agree that employees have asked a manager or supervisor for personal

financial advice in the last year2

47%

HIGH STRESSdue to financial debt can cause a:

500% increase in anxiety and depression

44% greater chance of suffering from migraines

2X the rate of heart attacks, ulcers and other digestive issues3

3OPN2116245P2 of 112

COMMONLEGAL LIFE EVENTS

INCLUDE:

AMERICANSexperienced at least one significant legal event in

the past year

OF THOSEreport spending

17 hours of work time resolving those issues

MILLIONFULL TIMEWORKING57 55%

OF EMPLOYEEShad to take at least one day off from work per year to deal with

a legal issue

2/3

Source: The Legal Needs of American Families. A Research Study Conducted by Decision Analyst, Inc. Commissioned by LegalShield.

BE THE SOLUTION to your employees’ need for legal protection

WHY LegalShield?

0 30000 60000 90000 120000 150000

Criminal

Civil Litigation

Family Law

Employment

Collection

Real Estate

Tra�c

Estate Planning

Consumer/Finance

Landlord Tenant

4.13%

4.51%

5.18%

5.32%

5.42%

6.78%

6.92%

7.29%

8.15%

8.30%

73,907

80,745

92,773

95,169

96,944

121,409

123,875

130,501

145,792

148,493

Requests by Top 10 Areas of Law (2016)

% of all requests: 62.01%

Traffic tickets

Adoption

Financial matters

Landlord tenant matters

Estate management

4OPN2116245P2 of 112

FOR WORKING AMERICANS experiencing a legal event:

Read more about the value a legal plan provides in the Legal Needs of American Families.

WHY LegalShield?

Source: The Legal Needs of American Families. A Research Study Conducted by Decision Analyst, Inc. Commissioned by LegalShield. Lawyer icon created by Rflor. For more information visit:business.legalshield.com/american-family

OF THOSE THAT HIRED AN ATTORNEY

THROUGH A LEGAL PLAN

said that having an attorney lessened the amount of personal resources (time & money) spent

to resolve their legal issue

66%said they would be interested in

purchasing legal protection

MORE THAN

60%

5OPN2116245P2 of 112



WHY LegalShield?

* The Legal Needs of American Families. A Research Study Conducted by Decision Analyst, Inc. Commissioned byLegalShield.**These are ranges based on hourly rates of LegalShield attorneys. This is not a quote or guarantee of any actual legal fees or costs. Actual hourly rates, fees and costs may vary based on geographical needs, legal issues or ex-perience required. Cost ranges are calculated by multiplying the normal hourly fee of general (lowest) and specialized (highest) attorneys in the selected state by the average number of hours billed for that service. Costs shown above represent attorney fees in the state of Alabama.

One year is LESS THAN ONE HOUR of legal services.An entire year of coverage costs less than $275, and on average

the hourly rate for a lawyer is $284!*

See how much Participants can save on everyday legal issues with LegalShield.

Average Attorney Cost** Yearly LegalShield CostLegal Service

Standard Will Preparation

Phone Consultation

Letter on Your Behalf

Power of Attorney

TOTAL COST

Document Review

$900-$1950

$300-$650

$300-$650

$300-$650

$2,100-$4,550

$300-$650

$0

$0

$0

$0

Less than $275

$0

YEARLY SAVINGS WITH LEGALSHIELD = $1,825-$4,275

6OPN2116245P2 of 112

Return Call from Attorney:

8 business hours

Document Review:

3 business days

Letter or Phone Call to Resolve

Complaint: 3 business

days

We have dedicated provider law firms for all 50 states and 4 Canadian provinces AND we pay them directly,

SO YOUR EMPLOYEES ARE THEIR #1 client, 24/7/365.

WHY LegalShield?

Under the protection of LegalShield, YOUR EMPLOYEES DON’T HAVE TO WORRY ABOUT HIGH HOURLY COSTS

or about figuring out which attorney to use—we’ll do that for them.

7OPN2116245P2 of 112

WHY LegalShield?

LegalShield provides legal protection at the touch of a finger, truly EMPOWERING YOUR EMPLOYEES.

24/7 EMERGENCY ACCESS for covered emergencies

Access to PLAN INFORMATION and auto accident tips

SNAP feature, where traffic tickets can be uploaded and

sent directly to their provider law firm without

hassle or delay

WILL PREPARATION, where the Will Questionnaire can

be conveniently completed and securely sent directly to

their provider law firm

LEGALSHIELD MOBILE APP FEATURES:

• Direct access to a provider law firm

• Fast and easy upload of traffic tickets

• 24/7 emergency access*

• Access to plan information and auto accident tips

• Will preparation steps

*For covered situations.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a servicemark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks ofGoogle Inc.

8OPN2116245P2 of 112

Very helpful. Responsive. Knowledgeable. This coverage is in the top five necessary things I believe a family must invest.”

- N.S.LegalShield Member

I have been a member for over 10 years. I have used the services probably five or six times and each time got the information I needed quickly. They have always been specific in telling me exactly what I needed to do. What I have spent in monthly premiums is only a fraction of what I would have spent in legal fees. Some of our questions have been concerning real estate, owner financing/selling property, vehicle transfer questions and more. It has been WELL worth having this membership!”

- P.W.LegalShield Member

I’ve had LegalShield for almost 20 years and always feel that comfort and peace of mind that I can call upon them.”

- L.D.LegalShield Member

WHY LegalShield?

LegalShield directly empowers over 2 million lives. Here’s what some of our MEMBERS have to say.

9OPN2116245P2 of 112

General Exclusions: 1. matters against the Employer, Company, or Provider Law Firm 2. matters deemed by the attorney to lack merit, or violate any ethics rules 3. matters outside the United States 4. matters involving any Member which arises due to business matters or interests including: Ownership, management, or association with a business, partnership, corporate entity, or trust, any income producing property or venture no matter the nature, full time or part time. 5. Fines, court costs, filing fees, ad litem fees, penalties, expert witness fees, bonds, bail bonds and out of pocket expenses 6. any person who is a party in a lawsuit against the Company or is named as a defendant in a lawsuit by the Company shall not receive Services during the lawsuit. 7. matters covered by any insurance policy 8. services related to patent, trademark or copyright matters 9. Services where, in the Provider Law Firm’s Professional Judgment, the requested Service is unnecessary or unwarranted for adequate advice, or would be in violation of any ethics laws, or frivolous, or with no merit 10. Native American legal issues including matters related to Indian Tribes and tribal governments including legal issues before federal, tribal and/or state courts, administrative bodies, arbitration panels or arbitrators, tribunals and/or hearing panels, judges, or officers. See a plan contract for complete terms and conditions.

WHO IS COVERED:

The Participant, Participant’s spouse, never-married dependent children under the age of 26 and living at home or full time in college, dependent children under the age of 18 for whom

the Participant is legal guardian and/or physically or mentally challenged children living at home.

A COMPREHENSIVE, AFFORDABLE LEGAL SOLUTION FOR YOUR EMPLOYEES

—LEGALSHIELD—NATIONAL PLAN OVERVIEW

THE LEGALSHIELD PLAN INCLUDES THE FOLLOWING COVERED SERVICES:

ESTATE PLANNING • Codicils

• Living Wills

• Power of Attorney

• Trusts

• Wills

FAMILY• Administrative

Hearing

• Adoption

• Conservatorship

• Domestic Violence Protection

• Elder Care Assistance

• Guardianship

• Immigration Assistance

• Incompetency Defense

• Juvenile Court Defense

• Name Change

• Parental Responsibility

• Prenuptial Agreements

• School Hearings

FINANCIAL• Affidavits

• Bankruptcy

• Civil Litigation

• Consumer Protection

• Debt Collection

• Identity Theft

• Medicare/Medicaid Disputes

• Personal Property Disputes

• Promissory Notes

• Small Claims Assistance

• Social Security Disputes

• Tax Audit Protection

• Veterans Benefits Disputes

AUTO• Driver’s License

Restoration

• Motor VehicleProperty Damage

• Moving Traffic Violations

• Traffic Tickets

HOME• Boundary/Title

Disputes

• Contractor Disputes

• Deeds

• Foreclosure

• Home Equity Loans

• Landlord/Tenant Issues

• Mortgages

• Property Tax Assessments

• Purchase/Sale of Home(primary or secondary)

• Refinancing

• Zoning Applications

GENERAL• 24/7 Emergency

Access

• Document Review

• Live Member Support

• Mobile App

• Office Consultation

• Telephone Advice

10OPN2116245P2 of 112

NATIONAL PLAN PRICING

Rate quoted will not change based on actual enrollment

PLAN DESCRIPTION

National LegalShield Plan

MONTHLY RATE

$15.25

• Legal Plan: Covers member, member’s spouse, never married dependent children under age 26 and living athome or full time in college, dependent children under age 18 for whom the member is legal guardian, and physically ormentally challenged children living at home.

• Proposal valid for 180 days.

11OPN2116245P2 of 112

TELEPHONE AND OFFICE CONSULTATIONUnlimited telephone consultations on any personal legal subject matter, unless specifically excluded by the plan. The Provider Law Firm will provide advice and representation on any matter fully covered by the plan, if the matter is not fully covered, the Provider Law Firm will provide consultation on the best course of action. A Participant may call the Provider Law Firm to make an appointment for an office consultation to discuss any personal legal matter. There are no limitations on the number of consultations a Participant receives, however this service is not intended to help a Participant undertake their own representation.

DEMAND LETTERS AND PHONE CALLSA telephone call or a letter to a third party on behalf of the Participant by the Provider Law Firm, for any personal legal matter, unless specifically excluded by the plan.

DOCUMENT REVIEWConsultation and review of any personal legal document. Document review will not cover the review of documents prepared by another attorney currently representing the Participant.

ADVICE AND CONSULTATION Provider Network

COVERED

COVERED

COVERED

LEGALSHIELD NATIONAL PLANCOVERAGE DEFINITIONS

Sheet_Plan Definitions_NP_GR_07031712OPN2116245P2

of 112

FAMILY MATTERS Provider Network

ADMINISTRATIVE HEARINGConsultation, preparation, review, and representation at a civil proceeding when the Participant is the defendant before a local, state, or federal board of administration or commission.

COVERED

DOMESTIC VIOLENCE PROTECTIONConsultation, preparation, review, and court representation when the Participant is seeking to be protected by a Victim Protection Order. This coverage is available for the employee only.

COVERED

GUARDIANSHIP OR CONSERVATORSHIPConsultation, preparation, review and representation for the creation of a new guardianship or conservatorship over a person or estate when the Participant is being named as the guardian or conservator. Services for the party for whom guardianship/conservatorship is being decided, ongoing accounting, or termination of guardianship once established is not covered.

COVERED

ADOPTIONThe plan covers all legal services, including representation in court, for a contested or uncontested domestic adoption within the United States. The adoptee must be an individual under the age of 18. Preparation of any required publication notice or any governmental document such as fingerprints and criminal history checks are not covered by the plan.

COVERED

ELDER CARE ISSUESConsultation and review for a participant with respect to their parent’s financial issues regarding; Medicare, Medicaid, Social Security benefits, veteran’s affairs, prescription plans, nursing home agreements, Power of Attorney, Living Wills, and Wills.

COVERED

IMMIGRATION ASSISTANCEConsultation, and review (including affidavits and power of attorney) for the Participant.

COVERED

13OPN2116245P2 of 112

INCOMPETENCY DEFENSEConsultation, preparation, review, and court representation when the Participant is subject to a civil competency determination.

COVERED

PRENUPTIAL AGREEMENTConsultation, preparation, and review of a prenuptial agreement. This coverage is available for the employee only.

COVERED

JUVENILE COURT DEFENSEConsultation, preparation, review, and juvenile court representation for a Participant’s dependent child so long as there is no conflict between the Participant and said dependent. Matters of parental responsibility are covered. Matters in which a juvenile is charged as an adult are not part of this service.

NAME CHANGEConsultation, preparation, review, and court representation for the name change of a Participant or their dependents. Preparation of any required publication notice or any governmental document such as fingerprints and criminal history checks are not covered by the plan.

COVERED

COVERED

AUTO Provider Network

DRIVER’S LICENSE RESTORATIONConsultation, preparation, review, and court representation to assist the Participant in reinstating their driving privileges.

COVERED

MOTOR VEHICLE PROPERTY DAMAGEConsultation, preparation, review and assistance up to, but not including the filing of a lawsuit to collect all property damage claims. These services are available for property damages incurred due to a vehicle owned by a Participant being struck by a motor vehicle.

COVERED

14OPN2116245P2 of 112

MOVING TRAFFIC VIOLATIONSConsultation, preparation, review, negotiations, and court representation for all moving traffic violations except for those violations that result in felony charges, or because of driving under the influence, or related charges. This service does cover defense of a traffic ticket.

LIVING WILL/PHYSICIAN’S DIRECTIVEConsultation, preparation, and review of a directive to Physician/Living Will which conforms to state laws.

POWER OF ATTORNEYConsultation, preparation, and review of any Power of Attorney prepared when the Participant is granting power.

PROBATEConsultation and review for probate of a Last Will and Testament in which the Participant is named the executor. Full representation is available at a 25% discount.

COVERED

COVERED

COVERED

COVERED

ESTATE PLANNING Provider Network

TRUSTSConsultation, preparation, and review of revocable and irrevocable trusts, including special needs trusts, in which the Participant is the settlor. Services for estate tax planning are not covered.

COVERED

WILLS AND CODICILSConsultation, preparation and review of a simple and complex Last Will and Testament and a codicil. Any provisions in the Will or codicil regarding estate tax planning and distribution of assets outside of the United States are not covered.

COVERED

15OPN2116245P2 of 112

FINANCIAL Provider Network

AFFIDAVITSConsultation, preparation, and review of an affidavit when the Participant is the affiant. Responsive affidavits are not covered.

BANKRUPTCYConsultation, preparation, review, and court representation for the Participant for a Personal Chapter 7 or Chapter 13 bankruptcy for a debtor.

CIVIL LITIGATIONConsultation, preparation, review, and representation of the Participant as a defendant in civil proceedings before a local, state or a federal administrative board, agency, or commission, or in a trial court of general jurisdiction.

CONSUMER PROTECTIONConsultation, preparation, review, and court representation of the Participant as a plaintiff or a defendant in a legal proceeding for consumer issues, including personal property matters, in both small claims court and district court. Real estate matters not otherwise covered, appeals and execution of judgment are not covered.

COVERED

COVERED

COVERED

COVERED

DEBT COLLECTIONConsultation, preparation, review, and representation for matters related to the Participant’s personal debt, including negotiations with a creditor to establish repayment, foreclosure, repossession, garnishment, and tax related debt collections. This service does not include family law matters such as enforcement or modification of a support order, third party claims, or matters related to the employer.

COVERED

16OPN2116245P2 of 112

IDENTITY THEFTConsultation, preparation, and review by a Provider Law Firm for financial matters related to the Participant being a victim of identity theft. These matters include negotiations, and representations for any legal action that arises for the Participant such as debt collection defense, foreclosure, repossession, and garnishment. Service does not include bankruptcy and matters of familial identity theft.

PERSONAL PROPERTY ASSISTANCE Consultation, preparation, and review of purchase agreements, matters relating to credit reports, credit agreements or installment agreements.

PROMISSORY NOTESConsultation, preparation, and review of promissory notes for the Participantregardless of if the Participant is the payer or the payee.

SMALL CLAIMS ASSISTANCEConsultation, preparation, review, and court representation of the Participantas a defendant or plaintiff for matters involving an appearance in Small ClaimsCourt.

TAX AUDIT AND COLLECTION SERVICEConsultation, preparation, review, and court representation of the Participantwhen he/she is notified in writing of a tax audit investigation, or examinationof his/her tax return when he/she is requested in writing, to appear at theoffices of IRS, state or local taxing authorities concerning his/her tax return.Garnishment, attachment, or any other post judgment relief action, trust returns,business or corporate tax returns, payroll and related returns are not covered.Charges of tax fraud or income tax evasion are not covered.

COVERED

COVERED

COVERED

COVERED

COVERED

17OPN2116245P2 of 112

HOME Provider Network

BOUNDARY OR TITLE DISPUTESConsultation, preparation, review, and court representation when a Participantis a plaintiff or a defendant in a boundary or title dispute including EminentDomain.

DEEDSConsultation, preparation, and review related to real property deeds when theParticipant is the grantor or grantee.

EVICTION AND TENANT PROBLEMSConsultation, preparation, and review for the Participant as a tenant, in mattersrelated to tenant problems including: security deposits, property damage,lease agreements, and eviction. When necessary this service includes courtrepresentation when the Participant is a defendant.

FORECLOSUREConsultation, preparation, review, and court representation of the Participant, asa defendant, in a legal proceeding for foreclosure of their primary or secondaryhome.

GARNISHMENTConsultation, preparation, review, and court representation of the Participant, asa defendant, in a legal proceeding for a wage or earnings garnishment.

HOME EQUITY LOANConsultation, preparation, and review related to the Participant’s home equityloan for the Participant’s primary and secondary home. The Participant must bethe debtor.

COVERED

COVERED

COVERED

COVERED

COVERED

COVERED

18OPN2116245P2 of 112

MORTGAGESConsultation, preparation, and review for the Participant for any residentialmortgage documents for a primary or secondary home prepared or reviewedwhen they are the mortgagor, debtor, or buyer.

COVERED

PROPERTY TAX ASSESSMENTSConsultation, preparation, review, and court representation of the Participantin a legal proceeding regarding property tax assessments, reduction of theassessment and property valuations for their primary residence.

PURCHASE/SALE OF HOMEConsultation, preparation, and review for a Participant while purchasing their primary or secondary home or property for the intention of building a personal dwelling, including all documents necessary in the transaction such as, deeds, purchase agreements, mortgages, and titles.

REFINANCING OF HOMEConsultation, preparation, and review of legal documents for the Participant, pertaining to the refinancing of their primary or secondary home.

REPOSSESSIONConsultation, preparation, review, and court representation of the Participant, as a defendant, in a legal proceeding for legal matters related to repossession of personal property.

ZONING APPLICATIONSConsultation, preparation, review, and representation of the Participant before a zoning authority, to assist in a personal zoning application. This service only applies to the Participant’s primary residence. Applications or issues for business assets or property are not covered.

COVERED

COVERED

COVERED

COVERED

COVERED

19OPN2116245P2 of 112

General Exclusions: The following items are excluded from any service, including advice and consultation: employment matters; business or commercial matters; fines, court costs, filing fees, ad litem fees, penalties, expert witness fees, bonds, bail bonds and any out-of-pocket expense; matters or disputes between the Participant and the Provider Attorney and/or LegalShield; any matter covered by any insurance policy; native American legal issues; frivolous or unethical matters; matters for which an attorney-client relationship exists prior to becoming eligible for benefits. For all other personal legal matters, advice and consultation is provided. Additional document review/preparation or representation is also included for certain matters. Marketed by: Pre-Paid Legal Services, Inc. dba LegalShield® and subsidiaries; Pre-Paid Legal Casualty, Inc.; Pre-Paid Legal Access, Inc.; In FL: Pre-Paid Legal Services, Inc. of Florida; In VA: Legal Service Plans of Virginia; and PPL Legal Care of Canada Corporation

ADDITIONAL BENEFITS Provider Network

24/7 EMERGENCY ACCESSThe Participant receives toll-free telephone access to the Provider Law Firm on a 24-hour per day basis for covered emergencies by calling this emergency number at 1-877-825-3797. Emergency access is not available for assistance in making, posting, or obtaining bond, bail or other security required for release from a governmental facility.

ADDITIONAL DISCOUNTFor all personal legal matters that are not otherwise fully covered by this plan, the Participant will be entitled to services at a 25% discount of the standard hourly rate. This does not apply to contingency fee matters or flat fee arrangements, which may be negotiated at a separate rate with the Provider Law Firm.

COVERED

COVERED

COVERED

MOBILE APPThe Participant can directly call their provider law firm, upload traffic tickets and submit their Will questionnaire directly to the provider law firm through the LegalShield mobile app.

20OPN2116245P2 of 112

ENROLLMENTOVERVIEW

We make enrollment easily fit into your existing benefit offering and are compatible with external enrollment vendors and their platforms. We also offer convenient methods of billing:

• monthly invoices

• self-billing via

• email

• mail

• secure FTP

Enrollments are processed within 48 hours of being received and WE PROVIDE a variety of enroll-ment marketing material, from videos to fliers and brochures, to help your employees understand the value you are providing to them.

We keep implementation, enrollment, and administration simple and hassle-free by offering

FLEXIBLE PAYMENT, ENROLLMENT & BILLING OPTIONS

FLIER.IDS_App (9.16) (CC) ©Copyright 2016 LegalShield Ada, OK 74820

With IDShield’s mobile app, monitoring, consultation and restoration are

all at your fingertips. All while you are on the go, IDShield offers:

• Immediate notifications when monitoring triggers an alert

• Quick access to your credit score

• One-Touch access to your IDShield Advisor

• 24/7 Emergency Access

• A secure login with a numerical password

• Convenient case updates and call history

IDShield’s App is easy to use! See for yourself

how easy it is to protect yourself from

Identity Theft with IDShield*.

*To take advantage of this app you must be an IDShield member.

Identity Protection at Your Fingertips!

Every 2 seconds someone becomes a new victim

of Identity Theft1...Don’t be one of them.

Credit score displays on your

homepage

Quick access to alert details

Notification of alertsDOWNLOAD THE APP TODAY!

1. Source - 2015 Javelin Identity Fraud Survey Report

For more information, call your independent associate:

HAVE YOU EVER?

This is a general overview and is for illustrative purposes only. Plans and services

vary from state to state. See a plan contract for your state of residence for

complete terms, coverage, amounts, conditions and exclusions.

WHAT IS LEGALSHIELD? Founded in 1972, LegalShield has 1.5 million memberships protecting and empowering 4.1 million lives and serving

140,000 businesses throughout the United States and Canada. Our members can talk to a lawyer on any personal legal

matter, no matter how trivial or traumatic, all without worrying about high hourly costs. LegalShield has provided

identity theft protection since 2003 with Kroll, the world’s leading company in ID Theft consulting and restoration.

¨ Needed your Will prepared or updated¨ Been overcharged for a repair or paid an unfair bill¨ Had trouble with a warranty or defective product¨ Signed a contract ¨ Received a moving traffic violation¨ Had concerns regarding child support

¨ Worried about being a victim of identity theft¨ Been concerned about your child’s identity ¨ Lost your wallet¨ Worried about entering personal information on-line ¨ Feared the security of your medical information¨ Been pursued by a collection agency

www.legalshield.com/info/legalplan

For more information, please contact your Independent Associate:

Prepared for:

AFFORDABLE LEGAL PROTECTION FOR ONE LOW MONTHLY FEE

ADVICE ON ANY LEGAL ISSUE With a LegalShield Legal Plan you will have access to attorneys who can provide advice or assistance on a variety of personal legal issues.

THE LEGALSHIELD® MEMBERSHIP INCLUDES: P Personal Legal advice on unlimited issuesP Letters/ calls made on your behalfP Contracts & documents reviewed (up to 15 pages)P Residential Loan Document AssistanceP Lawyers prepare your Will, your Living Will and your

Health Care Power of AttorneyP Moving Traffic Violations (available 15 days after enrollment)

P IRS Audit AssistanceP Trial Defense (if named defendant/ respondent in a

covered civil action suit)P Uncontested Divorce, Separation, Adoption and/or Name Change Representation (available 90 days after enrollment)

P 25% Preferred Member Discount (Bankruptcy, Criminal Charges, DUI, Other Matters, etc.)P 24/7 Emergency Access for covered situations

LegalShield family legal plans cover the member; member’s spouse; never

married dependent children under 26 living at home; dependent children

under age 18 for whom the member is legal guardian; never married,

dependent children up to age 26 if a full-time college student; and physically

or mentally disabled dependent children. An individual rate is available for

those enrollees who are not married, do not have a domestic partner and do

not have minor children or dependents. No family benefits are available to

individual plan members. Ask your Independent Associate for details.

ELECTION OPTIONS

Individual Only:

Family Coverage:

Company URL

NameEmailPhone Number

$XX.XX per week

$XX.XX per week

Company Name

21OPN2116245P2 of 112

About LegalShield

In 1969, our founder, Harland Stonecipher, found himself financially unprepared for the legal costs he incurred from an accident even though it was not his fault. From that day forward, he was determined to make sure everyone has access to legal protection. No matter how traumatic or trivial the situation. That’s how LegalShield was born.

EXECUTIVE TEAMJeff Bell – Chief Executive Officer

James Rosseau – EVP, Chief Commercial Officer

Jack Goldenberg – EVP, Chief Technology Officer

Kathy Pinson – EVP, Chief Operating Officer

Steve Williamson – EVP, Chief Financial Officer

Darnell Self – EVP, Network & Business Development

Patrick Hodges – SVP, People and Organizational Development

Glenn Petersen – SVP, President LegalShield Business Solutions

John Long – President, Network Marketing and Sales

Keri Norris – SVP, Legal & Regulatory Affairs and General Counsel

Claire Terrell – SVP, Marketing

Dave Coffey – SVP, Chief Digital Officer

Melissa Wilder – SVP, Business Solutions Field Sales

Emily Rose – VP, Broker & Partnership Sales

One Pre-Paid Way Ada, OK 74820 [email protected]

Founded in 1972, OVER 30,000 BUSINESSES across the United States and Canada TRUST LEGALSHIELD TO HELP PROTECT THEIR EMPLOYEES AND THEIR BOTTOM LINE.

PRODUCTS OFFERED:

• IDShield

• LegalShield

• Small Business Legal Plans

• Commercial Driver’s Legal Plans

• Home Business Supplement

22OPN2116245P2 of 112


U.S. Legal Services, Inc. Additional Services Offered


Living Trusts (Revocable and Irrevocable) Advice, preparation and execution of a Living Trust by a Network Attorney including the following: Durable Power of Attorney for Financial Management, Advance Health Care Directive, Pour-Over Wills, Bills of Sale and/or Transfer Deeds. Excludes tax planning or services associated with funding the trust after it is created.

3 hours

Elder Law

Consultations with a Network Attorney at the telephone listed on the Plan Member's ID Card. Unlimited number of free consultations per year. Includes, but not limited to: Elder Fraud, Schemes, Scams, Planning for Incapacity, Health Care Decisions, Financial Planning, Debt and Consumer Counseling, Estate Planning, Wills, Trusts, and Living Trusts.

1 hour per legal issue

OPN2116245P2 of 112

SUMMARY PLANDESCRIPTION

Legal Services PlanEspecially designed for

The EmployeesOf

Broward County

U.S. Legal Services, Inc.8133 Baymeadows Way

Jacksonville, Florida 32256

800-356-LAWS

OPN2116245P2 of 112

PREFACEThis booklet is called a Summary Plan Description. It is written to make it easier for you to understandyour rights and responsibilities under the Plan.If there appears to be a conflict between the description of any Plan provision in this booklet and itsstatement in the Plan document itself, the language contained in the Plan document is the official andgoverning language.Nothing in this booklet is meant to interpret or extend or change in any way beyond the provisionsstated in the Plan.U.S. Legal Services, Inc. administers this Legal Plan, determines what benefits are provided, retains andemploys attorneys, and make any other expenditures necessary to operate the Plan.U.S. Legal Services, Inc. reserves the right to amend, modify, discontinue or terminate all or part of thisPlan for any reason and at any time when, in their judgment, it is appropriate.This booklet and the U.S. Legal staff are your sources of information on the Plan.U.S. Legal Services has not authorized anyone to speak on their behalf.

FOREWORD

U.S. Legal Services, Inc. is a licensed legal expense insurance company licensed by the State of Floridapursuant to Florida Statute 642.

THIS IS A VOLUNTARY EMPLOYEE BENEFITThe cost of your benefits are paid through regular“contributions”to U.S. Legal Services, Inc. payable byyou through a payroll deduction. These payments are called contributions because they go into a poolof money used to pay for all of the benefits for all participants and their families covered by the Plan.

U.S. Legal Services, Inc. agrees that should there be any conflict between Broward County Rules andRegulations concerning this employee benefit then this agreement defaults to the Broward CountyRules and Regulations in existence at the time of this agreement. Furthermore, should there be anyconflict in benefits or procedures of the SPD, the service agreement between Broward County and U.S.Legal Services, Inc. shall supersede the Summary Plan Description.

SECTION IELIGIBILITY

Who Can Use Legal Services

• YOU: You can use the legal services provided by the Plan.

2

OPN2116245P2 of 112

YOUR SPOUSE or DOMESTIC PARTNER:• Your spouse (husband or wife) is covered by the Plan if he or she is residing in the same

residence.• This employee benefit will be extended to the registered domestic partners of Broward County

employees. Domestic partners must meet the following requirements to register theirpartnership:

1. Each party must be at least 18 years old and competent to contract;2. Neither person may be married nor a partner in another domestic partner

relationship;3. Neither person’s consent to the domestic partner relationship may be obtained by

force, duress or fraud;4. Each person must agree to be jointly responsible for each other’s basic food and

shelter;5. Both parties must be domiciled in Broward County or one of the parties must be

employed by the Broward County Board of Commissioners.

YOUR CHILDREN:

• Your children are covered by the Plan if they are an unmarried child (including adopted andstep children) under 18 years of age and is dependent upon the Plan Member for support andmaintenance, or

• An unmarried child (including adopted and step children under 23 years of age) whether ornot living in the Plan Member’s residence, who is dependent upon Plan Member for supportand maintenance and is a full time student in high school, college, university, etc. (writtenproof from institution may be required) and is residing on or near such school in pursuit ofsuch studies, providing such quarters are in a state where a Plan Attorney is available.

When Legal Services are CoveredYou, your spouse and your children can be represented by the Plan when:• The type of representation you need is covered,• The legal services are provided by an attorney working for the Plan, and• You are covered for legal benefits.

When your Coverage Starts:You may start using the plan’s attorneys on or after the effective date.Your coverage can not start until you have made payments through payroll deduction as requiredby the Plan.

When You Stop Receiving Your Benefits

When Your Coverage Ends:Your coverage ends on the earlier date when either:

3

OPN2116245P2 of 112

• You stop working (you quit, are laid off or are discharged), or• Your employer stops making payments to the Plan for your legal benefits.

What Happens to Current Cases:When your coverage ends, the Plan can no longer provide you with legal services. You must geta new lawyer immediately to take the place of your Plan attorney.You have the right to convert this Plan to an individual plan if you sever, terminate or no longerwork for your employer. You may exercise this conversion by notifying U.S. Legal Services andmaking alternative arrangements to continue your contributions.

SECTION IIBENEFITS

The Contributions of each Plan Member shall entitle the Plan Member to the following legal servicesprovided in the State of Florida by a Participating or Network Attorney:

A. Consultation: This coverage provides the Plan Member and covered family members theability to conduct a telephonic and/or office legal consultation or interview with a licensedattorney to discuss any legal matter or concern. These consultations have no limits as to thenumber of times per year and cover all areas of law. There is no waiting period and noexclusions or limitations. (Out of Network coverage 1 hour per legal issue)

B. Consumer-Seller Protection: This coverage extends to the Plan Member and covered familymembers; coverage includes legal representation for consumer protection legal issues. Thiswould include both statutory and common law causes of action. (Out of Network coverage 8hours)

C. Preparation of Wills and Living Wills, Durable Power of Attorney, Simple Trusts: Thiscoverage includes consultation and preparation of the following legal documents to plan andimplement an estate plan for the Plan Member and covered family members. These legaldocuments include Wills including Simple Trusts, Living Wills, Durable Powers of Attorney, andDesignations of Health Care Surrogate. (Out of Network coverage Individual Simple Will: 2 hours,Individual Complex Will: 3 hours; Simple Husband/Wife Will: 2.5 hours, Complex Husband/Wife Will:3.5 hours; Powers of Attorney and Ordinary Trust provisions: 1.5 hours; Codicil: 2 hours; Wills with otherthan Ordinary Trust Provisions: 5 hours; Living Will: $35 per document; Durable Power of Attorney: $35per document)

D. Estate Planning: Attorney will provide consultation and advice concerning planning thecovered person’s estates, including consultation with the member’s financial planners oraccountants. (Out of Network coverage 3.5 hours)

E. Civil Actions as Plaintiff: This includes representation up to and including trial for civil caseswhere there is a legitimate cause of action and is not a frivolous case as determined by theParticipating, Network or Non-Network Attorney and is further subject to the provisions andconditions in paragraph “S” herein below. (Out of Network coverage 8 hours)

F. Civil Actions as Defendant: Representation of Plan Member as a named defendant in a civilaction and includes representation through trial. Where Plan Member is provided legal

4

OPN2116245P2 of 112

representation through other coverages, such as auto liability or homeowner’s insurance, saidcoverages shall be primary and this plan’s coverage secondary. This coverage is subject to theprovisions in Section V, paragraph “8”. (Out of Network coverage 8 hours)

G. Adoptions: Includes step-parent adoptions including all necessary legal pleadings andattendance at Final Hearing. (Out of Network coverage Contested: 13.5 hours, Uncontested: 8.5 hours)

H. Real Estate Transactions: Attorney will provide Plan Members with legal assistance inconnection with the sale or purchase of a family dwelling which shall be used by Plan Memberas a dwelling place. (Out of Network coverage 5 hours)

I. Insurance Law: Representation and consultation in disputes between Plan Member and PlanMember’s insurance company regarding the non-payment of claims for losses incurred by thePlan Member under a policy of insurance issued to the Plan Member. (Out of Network coverage8 hours)

J. Landlord/Tenant Law: Legal Disputes as defendant with landlord involving the occupancy ofyour primary residence, including eviction defense. (Out of Network coverage 8 hours)

K. Traffic Violations: Representation for non-criminal moving traffic violations. (Out of Networkcoverage without DUI: 3 hours, with DUI and minor traffic offenses: 6 hours)

L. Preparation of Legal Documents: Preparation and review of miscellaneous legal documentsfor any Covered Legal Service not otherwise specifically covered or excluded under this Plan.(Out of Network coverage $30 per document)

M. Change of Name: Including preparation of Petition and attendance at Final Hearing. (Out ofNetwork coverage 3 hours)

N. Estate Administration: Assistance in administering your estate, including the applicableproperty transfers and court appearances. (Out of Network coverage 5.5 hours)

O. Defense of Juveniles: Defense of your eligible juvenile child in and relating to Juvenile CourtProceedings, where the underlying charge would not be considered a criminal felony chargeif your child were being charged as an adult, and except traffic matters. (Out of Networkcoverage involving an insured child: 8.5 hours, involving parental responsibilities: 4.5 hours)

P. Family Law: Legal representation for family law matters including but not limited to Divorce(Contested and Uncontested), child support and child custody matters, spousal support,equitable distribution of marital assets, modification and enforcement actions andannulments. (Out of Network coverage 7.5 hours)

Q. Criminal Violations: Representation for all criminal misdemeanors, except first offense DUI,with representation available through trial in state courts. (Out of Network coverage 8 hours)

R. Guardianship: Uncontested and contested court proceedings for appointing youas a Guardian or Conservator. (Out of Network coverage: contested, 8 hours; uncontested: 4 hours)

S. Contingency Fee: Including auto accidents, medical malpractice and similar causes of action.In the event the attorney assumes responsibility over any matter where the recovery of legalfees is provided by statute, by contract, contingent or otherwise, or by the nature of the claim,any attorney fees recovered shall be the property of the attorney. If the case is one which isto be handled according to contingent contract, however, the first $1,000 shall be exemptfrom any fee. Participating or Network Attorney will represent the Plan Member under acontingent fee arrangement where the contingent fee cannot exceed 25% of the net recoveryif successfully resolved before or after trial, or cannot exceed 30% of the net recovery ifsuccessfully resolved only after an appeal. In any civil case in which attorneys fees are

5

OPN2116245P2 of 112

recoverable by contract, or by statute, then the Participating or Network Attorney may entera fee services agreement with the Plan Member, calling for a reasonable attorney’s fee, asawarded by the Court in the action. The client will be obligated to pay the Participating orNetwork Attorney a reasonable fee as determined by the Court in the litigation, contingentupon collection from the adverse party.

T. Bankruptcy: Chapter 7 Only. Coverage includes consultation, preparation of Petition andSchedules, attendance at 341 Meeting of Creditors, including representation at requiredhearing. (Out of Network coverage: 8 hours)

U. Immigration:Visa Extensions: Defined as application for extension of any existing visas where eligible forsaid extensions. (Out of Network coverage 6 hours)

Naturalization: Defined as advice, consultation, preparation and filing of applications fornaturalization before the United States Bureau of Citizenship and Immigration Services. (Outof Network coverage 6 hours)

Deportation (Now Known as Removal): Advice, consultation and appearance before the U.S.Immigration Court to provide members with Defense of Removal actions and/or applicationsfor Relief from Removal before the Immigration Judge. (Out of Network coverage 6 hours)

All Immigration Matters Not Listed Above: All other Immigration matters to be provided tomembers at one-third (1/3) discount off attorney’s normal hourly rate.

V. Business Law: Preparation of legal documents for one corporation, partnership or otherbusiness entity per year. (Out of Network coverage, 2 hours)

W. All other legal matters: Except as provided herein above Participating or Network Attorneyswill provide legal representation for all other limited, pre-existing or non-covered legal mattersfor a 33 1/3% discount from their normal hourly rates or fees.

X. Identity Theft Protection: Plan Member is entitled to the use of a fraud resolution programcorrecting the fraud, Identity Theft and credit related issues confronting the Plan Member.

Y. Financial and Tax Planning: Key financial services will be provided by a nationally recognizedfinancial services company which may be accessed by a toll-free telephone number and/orpersonal appointments at no cost to the member.

Z. IRS Audit Protection: Payment of legal or licensed accountant’s fees up to a maximum of$7,500 for assistance when Plan Member is requested in writing to appear at an IRS officeconcerning their federal tax return. (Coverage same for Network and Out of Network)

Limitations and Other ConditionsIn addition limited benefits are provided wherein the following circumstances are present:

1. Legal matters under coverages for Family Law shall be limited to (20) hours for child custodyissues and fifteen (15) hours for all other family law issues during a calendar year. Any legalservices required beyond this limitation shall be rendered by the attorney at a rate of $89.00per hour.

2. Coverage for DUI limited to first offense only.3. Out of Network attorney rate is $89.00 per hour for covered services as stated in Section II

above.

6

OPN2116245P2 of 112

Exclusions

1. Preparing, completing, or filing of a federal, state, or local tax return or tax law except as maybe provided herein by Endorsement.

2. No coverage is provided in Federal Courts of the United States except for Bankruptcy providedherein.

3. Felony crimes are excluded.

4. Actions or disputes between you and your employer, or your employer’s insurance carrier,unions, plan underwriter or any other party not covered by this Plan are excluded fromcoverage.

5. Workers’ Compensation, unemployment compensation, class actions, interventions andamicus curiae.

6. Matters relating to patents copyrights or appellate proceedings of any nature.

7. Duplication of services previously claimed in relation to same matter.

8. Any legal proceeding in which Plan Member is entitled to legal representation orreimbursement for the costs thereof from any source other than this policy or another legalexpense policy.

9. Fines, penalties, court-ordered payments of attorney fees, court costs, service of process fees,litigation expenses, and any other costs and expenses not specified under Section III Benefits.

10. Legal services received or contracted for prior to the Effective Date. Also, legal servicesobtained after the date on which your coverage under this Plan terminates.

11. Any action, dispute or proceeding in any way against our interest, or that of our affiliatedcompanies, the underwriter(s) of the Plan, or any of our or their agents, Participating or NetworkAttorneys or your Sponsor.

13. Legal services for the benefit of any person other than a Member, or legal services for Membersother than the Named Insured against his/her interests or those of another Member under thisPlan.

14. Except as specifically provided for in this Plan, any matter, whatsoever, arising out of or inconnection with your employment, past or present, including but not limited to disputesbetween you and your employer, you and your fellow employees, you and your union, you andyour labor/management trust fund or pension fund, workers’ compensation matters, andunemployment compensation matters.

15. Legal representation regarding any matter arising out of or in connection with any businessventure or investment matter, including trademark, patent or copyright matters, except asspecifically covered under this Plan. Legal services which ordinarily would be deductible underthe Internal Revenue Code as a business expense; including but not limited to, legal servicesrendered to you relative to income-producing property, including commercial or residentialrental property transactions where you are the owner and/or landlord of more than one suchproperty; or business transactions; or farm transactions; or like transactions.

7

OPN2116245P2 of 112

16. Tax related matters; class actions; intervention (unless otherwise entitled to coverage as aplaintiff or defendant under this Plan); amicus curiae filings; criminal felonies, appeals; andany matter arising out of or in connection with federal law, except as specifically provided inthis Plan.

17. Attorneys shall have the obligation to decline the representation of any Plan Member wherethe matter presented is deemed by the Attorney to be frivolous, spurious, or without merit, orwhere a conflict has developed between Attorney and covered Plan Member(s) to the extentthat Attorney can not in good faith or pursuant to the Code of Professional Responsibilitycontinue to represent said covered Plan Member(s).

SECTION IIIEffective Date, Renewal, Cancellation, Reinstatement and Conversion

Provided your Premium and any applicable fees have been Received by Us, this Plan is effective uponthe Effective Date as stated in the Schedule, and will renew automatically on its Anniversary date withoutfurther notice and will continue to renew thereafter, unless:

A. Written notification of cancellation is Received by Us: (i) within 30 days of the Effective Date, or(ii) after 30 days from the Effective Date, together with any unpaid administration fees; or

B. We provide you with 45 days’ written notice of cancellation (for any or no reason); orC. You don’t pay us promptly.

If this Plan does not automatically renew it is cancelled. All cancellations are effective as of the earlierof the last day of the month:

A. In which notice was Received by Us (if sent by you); orB. In which notice was stated to be effective (if sent by us); orC. For which timely payment was Received by Us.

If you paid us any Premium in advance, we will return the unearned portion to you (less administrativefees, if any). Earned Premium will be calculated as if you had paid your Premium on a monthly basis. Ifyour Plan lapsed because you didn’t pay your Premium, you may reinstate it by paying your Premium andany fees owed. If you do this within 30 days of the date your Plan otherwise would have been canceled,it will be reinstated as it has never lapsed. Otherwise, you may choose to buy a new Plan, providedyour payments due under this or any other Plan are paid in full.

Conversion to Other Plan:

The Named Insured may convert this Plan to an individual Plan when no longer qualified as an employeeor member of the Sponsor who offered this Plan to him/her. The Named Insured must notify us within30 days of non-renewal to make arrangements for Premium payment. The Named Insured may alsoconvert this Plan to any other plan for which he/she is eligible. In the event of such conversion, you, willbe eligible for any additional benefits under that plan in accordance with its provisions. You will becredited with your time for the time this Plan was effective only with respect to the plan provisionswhich are the same in both plans.

8

OPN2116245P2 of 112

SECTION IVOther Conditions

Changes (also known as “Endorsements”)We reserve the right to periodically change the terms of this Plan, including the Premium. If wechange the terms, then we will give you at least 45 days’ advance written notice of the change. Ifyou do not like the changes, you may elect to cancel the Plan according to the above cancellationterms within 10 days of our sending notice of these changes. Notice is effective on the date it ismailed to your address.

Entire AgreementThis Plan comprises the entire agreement between you and us and includes the Schedule,Application and any endorsements. No one other than our duly elected officers is authorized tomodify or add to any of the terms of this Plan.

Attorney IndependenceNeither Participating nor Network Attorneys are our agents or employees, and we are not liable forany acts or omissions of any Participating nor Network Attorneys or any other attorney to you, orwe on your behalf, have retained. We will not interfere with the confidential attorney-clientrelationship between you and your attorney. In the event you are not satisfied with any attorneyor any attorney performs or omits an act which may give rise to a claim for malpractice, your solerecourse will be against the attorney or firm of attorneys handling your legal matter. Nothing inany of the Plan documents shall be deemed to interfere with the Bar Association’s or the court’sright to discipline attorney(s) for violation of any Bar Association Canon or Rule or court ruleaddressed to honesty, integrity, or fair dealing.

You have a right to file a complaint with the appropriate State Bar Association or other licensing agencyconcerning conduct pursuant to the Plan, and have the right to retain at your own expense, except whenthe Plan provides otherwise, an attorney authorized to practice law in your state. In the unlikely event youare unable to find a Participating or Network attorney who is willing to perform the services offered underthis Plan, or in the event the Participating or Network Attorney is disqualified or otherwise unable to performthese services, we will find an alternative attorney for you who will provide equal or superior benefits at noadditional cost beyond that which you would otherwise have paid under the Plan.

Administrative RulesWe reserve the right to adopt rules supplementing and implementing administration of the Plan,including rules concerning payment of Premiums, procedures and forms required, arbitration ofdisputes arising under the Plan, and any other rules we deem necessary to implement this Plan.We will inform you of these rules if you ask us. We cannot enforce a rule, however, that conflicts withthe express terms of this Plan.

Dispute ResolutionIf a dispute arises between you and us, you and we agree to use our best efforts to resolve suchdispute amicably. If, however, we cannot reach a mutually satisfactory resolution, this dispute willbe submitted to an arbitration board composed of three attorneys practicing in the same barcircuit as your Address. You will choose one attorney to serve on the arbitration board, we will

9

OPN2116245P2 of 112

choose a second attorney, and the two attorneys so chosen will select the third attorney to serveon the arbitration board. The decision of the majority of the three attorneys will be binding on youand us. You and we will share any expenses of arbitration equally; however, each party will beresponsible for its own attorney fees.

Implied ConsentBy accepting this Plan, you agree to allow your Participating or Network Attorney to provide certaininformation to us, including the frequency and nature of any contacts you have with them. Thishelps us monitor the quality of service for your benefit. They will not, however, be asked to provideany details of these contacts, other than the date, time and general nature of the contact, the timespent, the outcome, and any other information necessary for us to determine the extent ofcoverage.

SubrogationIf you can seek legal fees elsewhere, you must. You agree to assign all rights of legal fee recoveryto the extent of any and all of our payments under this Plan. If an assignment is sought, you mustcooperate with us.

Other Legal RepresentationIf you are entitled to receive legal services or reimbursement for legal services from any otherperson, plan or organization, or could be as a matter of agreement or law (e.g. your auto orhomeowners insurance) we will pay benefits under this Plan only to the extent they are in excessof other plans or policies which you have or could have.

EligibilityEach eligible person for whom a Premium is paid will become a Member on the Effective Date, andwill remain so until no longer eligible or the Plan is canceled.

Plan Conformed to StatuteAny terms of this Plan which are in conflict with the laws of the state where issued are amendedto conform to its statutes. All other terms will remain in effect.

Notice of Claim, Proof of Expense Incurred and Payment of ClaimIf you obtain services from a Non-Network Attorney, you MUST send us a completed claim formand itemized billing within every sixty (60) day period of the date of service, whether the matteris concluded or on-going, or compensation for services will be denied.

If you use a Non-Network Attorney, send a copy of the attorney’s bill to us together with proof of paymentand a completed Claim Form. The bill should include your name and the name of anyone else for whomthe legal services were rendered, your Plan and Claim Number, the nature of the legal matter, theservices performed, the number of hours worked the charges and dates on which services wereperformed. We will then make payment of any available benefits under this Plan directly to you.

10

OPN2116245P2 of 112

SECTION VRESPONSIBILITIES OF THE PLAN ATTORNEYS

A. The Attorney/client relationship of Attorneys providing services under this Plan shall be solely totheir Plan Member-clients. Attorneys shall maintain the confidentiality of the attorney-clientrelationship in accordance with the Code of Professional Responsibility.

B. In the event that a Plan Member terminates Membership in the Plan for any reason, or hasMembership revoked, the legal services provided to the Plan Member and dependents shall beended. In such event, as to any active matters, the Attorney involved shall complete theproceeding at the Plan Members expense, unless the Plan Member does not desire to be furtherrepresented by the Attorney involved or any other Attorney.

C. Attorneys shall have the obligation to decline the representation of any Plan Member where thematter presented is deemed by the Attorney to be frivolous, spurious, or without merit, or wherea conflict has developed between Attorney and covered Plan Member(s) to the extent thatAttorney can not in good faith or pursuant to the Code of Professional Responsibility continue torepresent said covered Plan Member(s).

SECTION VITERMINATION PROVISIONS

A. The Company reserves the right to cancel this contract at anytime for non-payment of premiums.Plan Member will be granted a thirty (30) day grace period. If there are any unearned premiums,it will be returned within 10 days of the effective date of Cancellation.

SECTION VIIYOUR RIGHTS UNDER ERISA

Right to Information:As a participant in the Plan, you are entitled to certain rights and protections under the EmployeeRetirement Income Security Act of 1974 (ERISA).

Under ERISA, you have the right to:• Look at all Plan documents in the Plan Administrator’s office and at other specified locations,

such as work sites.

• Get copies of all Plan documents and other Plan information by writing to the PlanAdministrator. The Administrator is required by law to provide each participant with a copy ofthis summary report.

11

OPN2116245P2 of 112

If you request materials from the Plan and do not receive them within thirty (30) days, you havethe right to file a suit in a federal court.

In such case, the court may require the Plan Administrator to provide them and pay you up to$100 a day until you receive the materials, unless materials were not sent because of reasonsbeyond the control of the administrator.

Right to Appeal:If your claim for benefits is entirely or partially denied:

• You must receive a written notice, explaining why your claim was denied.

• You have the right to have the Plan review and reconsider your claim.

Right to Benefits:

No one – your Employer or any other person – may fire you or discriminate against you in any wayto keep you from getting your benefits or exercising your rights under ERISA.

Other Rights Under ERISA:

ERISA also imposes duties upon the people responsible for the Plan. The people who operateyour Plan, have a duty to do so prudently and in the interest of all Plan participants andbeneficiaries, including you and your family.

If you feel that your claim for benefits has been ignored or improperly denied, you may file suit ina state or federal court after exhausting the appeals process provided for by the Plan.

If the Plan fiduciaries misuse the Plan’s money, or if you are discriminated against asserting yourrights, you may get help from the U.S. Department of Labor, or file a suit in federal court.

The court will decide who should pay court costs and legal fees. If you win your case, the courtmay order the person you have sued to pay these costs and fees. If you lose, the court may orderyou to pay these costs and fees, for example, if it finds your claim is frivolous.

Questions?:

If you have any questions about the Plan office.

If you have any questions about this statement or about your rights under ERISA, you shouldcontact the nearest area office of the U.S. Labor-Management Services Administration,Department of Labor. You will find their telephone number in your local telephone directoryunder “U.S. Government.”

12

OPN2116245P2 of 112

SECTION VIIIGENERAL INFORMATION

Name of the Plan: U.S. Legal Services, Inc.

Type of Administration:

The Plan is administered by U.S. Legal Services, Inc. under rules promulgated by the FloridaDepartment of Financial Services.

Agent for Service of Legal Process:

General Counsel, U.S. Legal Services, Inc.,8133 Baymeadows Way, Jacksonville, Florida 32256.

Plan Administrator: U.S. Legal Services, Inc.

Funding:

The Plan is financed by contributions from participating employees.

Plan Information:

The benefits are provided by U.S. Legal Services, Inc. through a panel of participating, networkand non-network attorneys designated by the Plan.The Plan year ends of December 31st.The Plan’s records are kept on a calendar year basis from January 1st to December 31st.

Employer Identification Number: 59-2293310

DEFINITIONS

Action: (A) when you are suing someone or filing a complaint with the court, or (B) when you aredefending yourself when you are sued or accused of breaking the law.

Area: Shall mean the county where the Plan Member resides.

Attorney(s): Any person properly licensed to practice law in the State of Florida.

Benefit: Any service, product or payment provided by the Plan.

Calendar Year: January 1st through December 31st.

Contributions: The payments that a contributing employee makes to the Plan.

13

OPN2116245P2 of 112

Domestic Partner: A person with whom you are in a committed relationship, in which neither personis married or in another domestic partnership and each person agrees to be jointly responsible for eachother’s basic food and shelter.

Eligible: You, your spouse and your children are eligible, when you have met the criteria to receivebenefits from the Plan.

Legally Married: Married according to the laws of the state of Florida.

Litigation or Litigated Matter: A case that goes through the courts or judicial process, including casesthat are settled before trial.

Litigation Costs: Fees paid to the court, an agency or another person for services related to your casebut that are not part of your attorney’s fees, including court filing fees, service of process fees, courtcosts, expert or consultant fees, deposition fees, transcript costs, recording fees, appraiser fees,accountant fees, investigator fees, sheriff or marshal fees, Department of Motor Vehicles searches, realproperty title searches and copying costs charged by the court or governmental agency.

Personal Residence: A private house, condominium or cooperative in which you live or plan to livemost of the year; or the purchase of unimproved property on which you plan to build your home in thenear future.

Plan: The U.S. Legal Service’s Plan and the benefits available and the rules and regulations pertainingto the various levels of benefits. Also, the official documents in which these benefits, rules andregulations to various benefits reside.

Plan Attorney: An attorney who provides legal services to you, your spouse or your children, if you areeligible to receive benefits.

Plan Member: An employee for whom an employer makes payments to the Fund pursuant to acollective bargaining agreement.

Plan Year: The same as the calendar year – January 1st through December 31st.

Separated: When you are no longer living with your spouse.

Spouse: The person to whom you are legally married.

Participating or Network Attorney: An independent law firm that has entered into a writtenagreement with us to provide Benefits for you.

Non-Network Attorney: An attorney, who is not a Participating or Network Attorney, chosen by you toperform any Covered Legal Service under this Plan’s Comprehensive Benefits.

14

OPN2116245P2 of 112

ENDORSEMENT 12E US109A FAMILY DEFENDER®

ADDITIONAL SERVICES

The following services are available to Plan Member at no additional cost: 1. 24 Hour Emergency Services: In the event of being jailed or arrested, Plan Members

will have access to legal providers after hours and weekends. Members will be assisted with non-emergency issues next business day and during normal hours of operations. The emergency contact phone number is (800) 356-LAWS..

2. “Do It Yourself” Legal Form Document Preparation: Our simple and online process will

enable consumers to complete their own legal documents preparation from the comfort of their home, without incurring the cost of an attorney or dealing with lengthy completion and delivery periods.

3. Free Will Preparation: Plan Members will also have access to the interactive online will

program that provides Plan Members with a resource to create their own will privately online. The Plan Member follows the prompts for the will format selected, building their own will, which they can then download/print, with complete instructions on proper signing and witnesses, so the will is valid.

OPN2116245P2 of 112

ENDORSEMENT E7 US109A FAMILY DEFENDER®

ADDITIONAL BENEFIT ELDER LAW:

1. This benefit entitles the member to consultations with a qualified Elder Law Attorney at no cost to the Plan Member during normal business hours at the telephone number listed on the Plan Member’s identification card. There shall be no limit to the number of free consultations per year. Such consultation shall be of sufficient length or duration in time, in the opinion of the attorney, to adequately respond to the member’s inquiry. This benefit shall include but not be limited to consultation on the following areas:

a. Elder Fraud, Schemes or Scams: Perpetrated on Senior’s including telephone, mail or other solicitation and to avoid becoming a victim of fraud, abuse, schemes, chicanery or other misleading ideas or deceptions.

b. Planning for Incapacity: Including powers of attorney, living wills, health care surrogates, living trusts and forms of ownership.

c. Health Care Decisions: Decisions by patient, decisions for incompetent patient, durable power of attorney, living wills, and anatomical gifts.

d. Financial Planning: In order to save on income, gift and estate taxes, to adequately provide for family members, including development and reviewing a financial plan. IRA’s, C.D.’s, annuities, life insurance, personal residence, health care benefits as well as retirement planning.

e. Debt & Consumer Counseling: Concerning problems with collections, debt and/or credit or credit reports.

f. Estate Planning, Wills, Trusts and Living Trusts: Including planning for surviving spouse, planning for single person, including tax strategies and techniques.

2. Preparation of an individual Simple Will, Codicil or change in individual Simple Will, Living Will and/or Advanced Care Directive and Durable Power of Attorney if the Plan Member has been appointed as legal guardian or conservator. [Maximum Out of Network Benefit for Individual simple will $150, Codicil or change $40, Living Will $35, Durable Power of Attorney $90]

OPN2116245P2 of 112

FAMILY DEFENDER ® ENDORSEMENT E14

Section entitled YOUR CHILDREN should read as follows: Your children are covered by the Plan if they are an unmarried child (including adopted and step children) under 18 years of age and is dependent upon the Plan Member for support and maintenance, or An unmarried child including adopted and step children under 26 years of age.

OPN2116245P2 of 112


Limitations and Other Conditions, #1 is deleted and replaced with the following:

Legal matters under coverages for Family Law shall be limited to (20) hours for all family law issues during a calendar year. Any legal services required beyond this limitation shall be rendered by the attorney at a rate of $89.00 per hour.

OPN2116245P2 of 112


The following is added as a coverage to the plan:

Irrevocable and Revocable Living Trusts – Advice, preparation and execution of an Irrevocable Trust or a Revocable Living Trust by a Network Attorney including the following: Durable Power of Attorney for Financial Management, Advance Health Care Directive, Pour-Over Wills, Bills of Sale and/or Transfer Deeds. This service does not include tax planning or services associated with funding the trust after it is created. (Out of Network coverage: 3 hours)

OPN2116245P2 of 112


Section II: Benefits, Item T - Personal Bankruptcy is deleted and replaced with the following:

Personal Bankruptcy: This service covers the Participating Employee and spouse in personal non-business Bankruptcy. Includes initial advice through filing of a Chapter 7 Final Report or Confirmation of a Chapter 13 Plan. This service is not available if the creditor is affiliated with Your employer or spouse chooses to reaffirm that specific debt. This service is not convertible. [Out of Network coverage: 8 hours)

OPN2116245P2 of 112

ELDER LAW:

1. This benefit entitles the Plan Member to telephonic or in the office consultations with a Network Attorney for their or their spouses’ parents at no cost to the Plan Member. There shall be no limit to the number of free consultations per year. Such consultation shall be of sufficient length or duration in time, in the opinion of the Network Attorney, to adequately respond to the Plan Member’s inquiry. This benefit shall be limited to consultation on the following areas:

a. Elder Fraud, Schemes or Scams: Perpetrated on Senior’s includingtelephone, mail or other solicitation and to avoid becoming a victim offraud, abuse, schemes, chicanery or other misleading ideas ordeceptions.

b. Planning for Incapacity: Including powers of attorney, living wills, healthcare surrogates, living trusts and forms of ownership.

c. Health Care Decisions: Decisions by patient, decisions for incompetentpatient, durable power of attorney, living wills, and anatomical gifts.

d. Financial Planning: In order to save on income, gift and estate taxes, toadequately provide for family members, including development andreviewing a financial plan. IRA’s, C.D.’s, annuities, life insurance, personalresidence, health care benefits as well as retirement planning.

e. Debt & Consumer Counseling: Concerning problems with collections,debt and/or credit or credit reports.

f. Estate Planning, Wills, Trusts and Living Trusts: Including planning forsurviving spouse, planning for single person, including tax strategies andtechniques.

Out of Network coverage: 1 hour per legal issue



OPN2116245P2 of 112

IDENTITY THEFT RESTORATION PROGRAM

Welcome to the growing number of individuals and families who are benefiting from

the extensive scope of identity theft services that are provided through this unique program. Now, you can finally enjoy the peace of mind afforded by knowing that you will have proper representation when confronted with identity theft issues.

The Identity Theft Restoration Program is a confidential and easily accessible

service that provides an administrative structure for d e a l i n g w i t h Identity Theft. By simply contacting customer service, each member has access to fully managed identity theft restoration services that will be supported as necessary by a Certified Fraud Examiner (CFE) and a Certified Identity Theft Risk Management Specialist.

The Fully Managed Restoration Service includes:

1. All means necessary to restore the impacted member’s identity to the status experienced

prior to the identity theft event. 2. Notify the three major credit bureaus, and the member’s affected creditors, financial

institutions, and utility providers if there has been an ID Theft Event. 3. Help prepare an Identity Theft Affidavit, Declaration of Fraud, Limited Power of Attorney

Authorization, Police Report, and other applicable documents. 4. Provide fraud alerts to the three major credit bureaus. 5. Notify merchants who are impacted by the ID Theft Event that a fraudulent transaction

occurred. 6. Collect information regarding misuse of the member’s accounts to document the case file,

prepare correspondence, deliver required documentation to all interested parties, and ultimately to receive documentation that the fraudulent transaction has been expunged from the member’s record.

7. Create and maintain a case file to document the ID Theft Event. 8. Review credit files with the member to determine the accuracy of the file and potential

areas of fraud. 9. Provide assistance obtaining and reviewing the members Social Security Personal

Earnings and Benefits Statement.

How to Use the Plan

To utilize this benefit, simply call 1 - 8 7 7 - 6 9 4 - 3 3 6 7 (available 24/7 but closed during major holidays) and you will be connected with a Member Services Representative who will escalate your case to a Certified Fraud Examiner.

09/2017 – Identity Theft Restoration Program - FM OPN2116245P2 of 112

ADDITIONAL FREE SERVICES

The following services are available to Plan Member at no additional cost:

1. 24 Hour Emergency Services: In the event of being jailed or arrested,Plan Members will have access to legal providers after hours and weekends. Members will be assisted with non-emergency issues next business day and during normal hours of operations. The emergency contact phone number is 1(800)356-5297.

2. “Do It Yourself” Legal Form Document Preparation: Our simple andonline process will enable consumers to complete their own legal documents preparation from the comfort of their home, without incurring the cost of an attorney or dealing with lengthy completion and delivery periods.

3. Free Will Preparation: Plan Members will also have access to theinteractive online will program that provides Plan Members with a r esource to create their own will privately online. The Plan Member follows the prompts for the will format selected, building their own will, which they can then download/print, with complete instructions on proper signing and witnesses, so the will is valid.

ADDITIONAL FREE SERVICES 01/2015 OPN2116245P2 of 112


Section entitled YOUR CHILDREN should read as follows: Your children are covered by the Plan if they are an unmarried child (including adopted and step children) under 18 years of age and is dependent upon the Plan Member for support and maintenance, or An unmarried child including adopted and step children under 26 years of age.

OPN2116245P2 of 112


Limitations and Other Conditions, #1 is deleted and replaced with the following:

Legal matters under coverages for Family Law shall be limited to (20) hours for all family law issues during a calendar year. Any legal services required beyond this limitation shall be rendered by the attorney at a rate of $89.00 per hour.

OPN2116245P2 of 112



Irrevocable and Revocable Living Trusts – Advice, preparation and execution of an Irrevocable Trust or a Revocable Living Trust by a Network Attorney including the following: Durable Power of Attorney for Financial Management, Advance Health Care Directive, Pour-Over Wills, Bills of Sale and/or Transfer Deeds. This service does not include tax planning or services associated with funding the trust after it is created. (Out of Network coverage: 3 hours)

OPN2116245P2 of 112


Section II: Benefits, Item T - Personal Bankruptcy is deleted and replaced with the following:

Personal Bankruptcy: This service covers the Participating Employee and spouse in personal non-business Bankruptcy. Includes initial advice through filing of a Chapter 7 Final Report or Confirmation of a Chapter 13 Plan. This service is not available if the creditor is affiliated with Your employer or spouse chooses to reaffirm that specific debt. This service is not convertible. [Out of Network coverage: 8 hours)

OPN2116245P2 of 112

ELDER LAW:

1. This benefit entitles the Plan Member to telephonic or in the office consultations with a Network Attorney for their or their spouses’ parents at no cost to the Plan Member. There shall be no limit to the number of free consultations per year. Such consultation shall be of sufficient length or duration in time, in the opinion of the Network Attorney, to adequately respond to the Plan Member’s inquiry. This benefit shall be limited to consultation on the following areas:

a. Elder Fraud, Schemes or Scams: Perpetrated on Senior’s includingtelephone, mail or other solicitation and to avoid becoming a victim offraud, abuse, schemes, chicanery or other misleading ideas ordeceptions.

b. Planning for Incapacity: Including powers of attorney, living wills, healthcare surrogates, living trusts and forms of ownership.

c. Health Care Decisions: Decisions by patient, decisions for incompetentpatient, durable power of attorney, living wills, and anatomical gifts.

d. Financial Planning: In order to save on income, gift and estate taxes, toadequately provide for family members, including development andreviewing a financial plan. IRA’s, C.D.’s, annuities, life insurance, personalresidence, health care benefits as well as retirement planning.

e. Debt & Consumer Counseling: Concerning problems with collections,debt and/or credit or credit reports.

f. Estate Planning, Wills, Trusts and Living Trusts: Including planning forsurviving spouse, planning for single person, including tax strategies andtechniques.

Out of Network coverage: 1 hour per legal issue



OPN2116245P2 of 112

IDENTITY THEFT RESTORATION PROGRAM

Welcome to the growing number of individuals and families who are benefiting from

the extensive scope of identity theft services that are provided through this unique program. Now, you can finally enjoy the peace of mind afforded by knowing that you will have proper representation when confronted with identity theft issues.

The Identity Theft Restoration Program is a confidential and easily accessible

service that provides an administrative structure for d e a l i n g w i t h Identity Theft. By simply contacting customer service, each member has access to fully managed identity theft restoration services that will be supported as necessary by a Certified Fraud Examiner (CFE) and a Certified Identity Theft Risk Management Specialist.

The Fully Managed Restoration Service includes:

1. All means necessary to restore the impacted member’s identity to the status experienced

prior to the identity theft event. 2. Notify the three major credit bureaus, and the member’s affected creditors, financial

institutions, and utility providers if there has been an ID Theft Event. 3. Help prepare an Identity Theft Affidavit, Declaration of Fraud, Limited Power of Attorney

Authorization, Police Report, and other applicable documents. 4. Provide fraud alerts to the three major credit bureaus. 5. Notify merchants who are impacted by the ID Theft Event that a fraudulent transaction

occurred. 6. Collect information regarding misuse of the member’s accounts to document the case file,

prepare correspondence, deliver required documentation to all interested parties, and ultimately to receive documentation that the fraudulent transaction has been expunged from the member’s record.

7. Create and maintain a case file to document the ID Theft Event. 8. Review credit files with the member to determine the accuracy of the file and potential

areas of fraud. 9. Provide assistance obtaining and reviewing the members Social Security Personal

Earnings and Benefits Statement.

How to Use the Plan

To utilize this benefit, simply call 1 - 8 7 7 - 6 9 4 - 3 3 6 7 (available 24/7 but closed during major holidays) and you will be connected with a Member Services Representative who will escalate your case to a Certified Fraud Examiner.

09/2017 – Identity Theft Restoration Program - FM OPN2116245P2 of 112

ADDITIONAL FREE SERVICES

The following services are available to Plan Member at no additional cost:

1. 24 Hour Emergency Services: In the event of being jailed or arrested,Plan Members will have access to legal providers after hours and weekends. Members will be assisted with non-emergency issues next business day and during normal hours of operations. The emergency contact phone number is 1(800)356-5297.

2. “Do It Yourself” Legal Form Document Preparation: Our simple andonline process will enable consumers to complete their own legal documents preparation from the comfort of their home, without incurring the cost of an attorney or dealing with lengthy completion and delivery periods.

3. Free Will Preparation: Plan Members will also have access to theinteractive online will program that provides Plan Members with a r esource to create their own will privately online. The Plan Member follows the prompts for the will format selected, building their own will, which they can then download/print, with complete instructions on proper signing and witnesses, so the will is valid.

ADDITIONAL FREE SERVICES 01/2015 OPN2116245P2 of 112