Legal Protection Plan

LEGAL PROTECTION PLAN

This Legal Protection Plan Agreement (the "Agreement") is entered into as of Effective Date: by and between Provider Name: with principal address: and Client Name: with address: .

RECITALS

WHEREAS, Provider maintains personnel, experience, and systems necessary to deliver legal consultation, document preparation and limited representation services as described in this Agreement; and

WHEREAS, Client desires to enroll in Provider's Legal Protection Plan to obtain specified legal services under the terms set forth herein, and Provider is willing to provide such services in consideration of Client's payment of fees and compliance with the terms of this Agreement; and

WHEREAS, the parties intend that this Agreement define the scope, limitations and administrative procedures applicable to the provision of the Legal Protection Plan.

NOW, THEREFORE

In consideration of the mutual promises contained herein and other good and valuable consideration, the receipt and sufficiency of which are acknowledged, the parties agree as follows:

1. DEFINITIONS

For purposes of this Agreement, the following terms shall have the meanings set forth below unless the context requires otherwise:

"Covered Services" means legal consultation, limited document preparation, negotiation assistance and, where specifically provided in this Agreement, representation in administrative hearings or civil matters as described in Section 2. "Member" means Client and, where applicable, Client's expressly enrolled spouse or business entity listed on the Enrollment Form. "Plan Year" means the twelve (12) month period commencing on the Effective Date or the anniversary thereof.

2. SCOPE OF COVERED SERVICES

Provider shall provide the following services to Client during the Term to the extent such services arise from matters occurring during the Term and are within the specified coverage categories:

(a) Legal consultation by telephone or electronic means on matters of civil law, employment disputes, contract review and consumer protection; (b) Preparation and review of written contracts and legal letters up to a cumulative limit of Plan Document Review Hours per matter; (c) Negotiation assistance and limited representation in pre-litigation matters; (d) Representation in administrative proceedings and small claims court where specifically authorized by Provider and subject to the expense limits set forth herein.

The applicable maximum provider-funded legal expense per claim is unless otherwise agreed in writing.

3. EXCLUSIONS

Services do not include (and Provider will have no obligation for): (a) criminal defense for felony-level offenses, except where otherwise expressly agreed in writing; (b) matters arising from intentional illegal conduct or fraud by Client; (c) class action claims, securities litigation, patent, trademark and other intellectual property litigation; (d) matters for which Client has retained separate counsel prior to enrollment; (e) appeals beyond trial-level representation unless specifically authorized in writing.

4. ENROLLMENT, TERM, RENEWAL AND TERMINATION

The initial Term of this Agreement is months beginning on Effective Date. Unless either party provides written notice of non-renewal at least thirty (30) days prior to the end of the then-current Term, this Agreement will automatically renew for successive one-year terms on the same terms and conditions subject to any pricing adjustments provided by Provider in writing at least sixty (60) days prior to renewal.

Either party may terminate this Agreement for convenience upon thirty (30) days' prior written notice. Provider may terminate immediately for nonpayment or for Client's material breach that is not cured within fifteen (15) days after written notice.

5. FEES AND PAYMENT

Basic — limited consultation and document review only    Standard — consultation, document review, negotiation assistance    Premium — Standard benefits plus limited representation up to expense limit

Fees are due in advance on the first day of each billing period. Overdue payments are subject to a late fee equal to the lesser of 1.5% per month or the maximum rate permitted by law. Client authorizes Provider to charge the payment method designated on Client's enrollment form for all fees and costs incurred under this Agreement.

6. CLIENT OBLIGATIONS

Client shall cooperate fully with Provider, provide truthful and complete information, produce documents upon request, and refrain from instructing other counsel with respect to a matter covered hereunder without prior written notice to Provider. Failure to cooperate may result in suspension or termination of services.

7. CONFIDENTIALITY

Provider shall maintain in confidence all non-public information provided by Client in connection with Covered Services, except as disclosure is necessary to perform the services or as required by law. Attorney-client communications created in the course of representation will be governed by applicable professional rules of confidentiality.

8. CONFLICTS OF INTEREST

Provider will perform a conflicts check prior to undertaking any representation. If a conflict is identified that would materially impair Provider's ability to represent Client, Provider shall notify Client and, if necessary, decline or withdraw from representation. Client consents to Provider's internal procedures for conflicts screening.

9. LIMITATION OF LIABILITY

Except for liability arising from Provider's gross negligence, willful misconduct or breach of confidentiality, Provider's total aggregate liability arising under or in connection with this Agreement shall not exceed the total fees paid by Client to Provider under this Agreement during the twelve (12) month period preceding the event giving rise to the claim.

10. INDEMNIFICATION

Client shall indemnify, defend and hold harmless Provider and its agents, employees and affiliated attorneys from and against any third-party claims, liabilities, losses or expenses (including reasonable attorneys' fees) arising out of Client's breach of this Agreement or Client's fraudulent, illegal or intentional acts or omissions.

11. NOTICES

All notices required or permitted under this Agreement shall be in writing and delivered by personal delivery, nationally recognized overnight courier, or certified mail, return receipt requested, to the addresses set forth below or to such other address as either party may designate by notice to the other.

12. AMENDMENTS; WAIVER

No amendment or modification of this Agreement shall be effective unless in writing and signed by authorized representatives of both parties. Waiver of any provision or breach shall not constitute a waiver of any other provision or subsequent breach.

13. GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the laws of the State of without regard to its conflict of law principles.

14. ENTIRE AGREEMENT

This Agreement, including any Enrollment Form, exhibits or written addenda signed by the parties, constitutes the entire agreement between Provider and Client with respect to the subject matter hereof and supersedes all prior understandings and agreements, whether written or oral.

15. SEVERABILITY

If any provision of this Agreement is held to be invalid, illegal or unenforceable in any respect, the validity, legality and enforceability of the remaining provisions shall not be affected or impaired.

16. COUNTERPARTS

This Agreement may be executed in counterparts, each of which shall be deemed an original and all of which together shall constitute one and the same instrument. Signatures transmitted by electronic means shall be binding.

ADMINISTRATIVE AND CONTACT INFORMATION

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