OVER A QUARTER MILLION MEMBERS STRONG

MEMBERSHIP COST
01

MEMBERSHIP TYPES

SINGLE ADULT MEMBERSHIP

MONTHLY

$10 .95 /mo*

ANNUAL

$131 .40 /year*

TWO ADULTS MEMBERSHIP

MONTHLY

$21 .90 /mo*

ANNUAL

$240 .00 /year*

*Plus a one-time $19.95 start up fee per member

PROGRAM OVERVIEW
02

THE FINEST SELF-DEFENSE COVERAGE AVAILABLE ANYWHERE

U.S. & Texas LawShield® is America’s original legal defense for self-defense membership program. We are the ideal choice for legal defense should you ever need to use a firearm or other lawful weapon to defend your life, family, or property. Being part of the U.S. & Texas LawShield family gives you access to exclusive benefits, such as:

  • 24/7/365 access to Attorney-Answered Emergency Hotline
  • Member perks with special offers and discounts on LTC classes, firearms, optics, gunsmithing services, tactical training classes, range time, and more!
  • You pay zero attorneys’ fees for covered events
  • There are no caps, no limits, and no deductibles
  • Legal representation for both Criminal and Civil proceedings
  • Member seminars with face-to-face time with experienced attorneys, instructors, and experts in self-defense law

OUR MEMBERS RECEIVE:

ZEALOUS LEGAL REPRESENTATION

U.S. & Texas LawShield Independent Program Attorneys will represent you in any legal proceeding–criminal or civil–should you ever need to use a firearm or other legal weapon to protect yourself, your life, or your property. Legal defense will be provided for all police investigations, pretrial proceedings, and both criminal and civil trials.

24/7/365 ATTORNEY-ANSWERED EMERGENCY HOTLINE

The 24/7/365 Attorney-Answered Emergency Hotline is available exclusively to our Members. The hotline will always be answered by a U.S. & Texas LawShield Independent Program Attorney. Your conversations are always fully confidential. Members will receive their Member ID Card with the Emergency Hotline Number printed right on the back, so you’re always able to reach us.

NON-EMERGENCY ACCESS TO INDEPENDENT PROGRAM ATTORNEYS

For non-emergency legal questions, call the non-emergency Member Services number and we will get you connected with a local Independent Program Attorney during normal business hours.

COVERAGE OPTIONS

Even if you don’t have a state-issued handgun carry permit, our Program covers you everywhere in your membership state where you can legally possess a firearm without a license. The program also covers the use of all other legal weapons. Multi-State coverage is available as an add-on so U.S. & Texas LawShield can protect you wherever you go.

WHAT’S NOT COVERED

While our services are extensive, the program does not cover expert witness fees, governmental fees of any type, investigator fees, or bail bonds. In some states, however, members do have the option to purchase Bail Bond and Expert Witness add-on coverage.

OPTIONAL MEMBER COVERAGE
03

MOST POPULAR ADD-ONS

MINOR CHILDREN

MONTHLY

$2 .00 /mo

ANNUAL

$24 .00 /year
Per Account

MULTI-STATE PROTECTION

MONTHLY

$2 .95 /mo

ANNUAL

$35 .40 /year
Per Member

BAIL BOND & EXPERT WITNESS**

MONTHLY

$2 .95 /mo

ANNUAL

$35 .40 /year
Per Member **Available in TX, OK & PA

HunterShield

Hunting and fishing laws are complex. Unfortunate accidents can happen any time. Our exclusive new HunterShield add-on, hunters and anglers can be protected in the woods and on the water. All Game and Fish violations are covered, and protection is available in all U.S. & Texas LawShield states. Add HunterShield to your core membership today so you can stay protected at home and on the hunt. Pricing is just $2.95 per month or $35.40 annually per member.

Minor Children Coverage

Members under any plan can add minors to their coverage for a small fee. Minor children are entitled to the same legal services and benefits in the event the minor child has any covered incident. Minor children are subject to the same limitations and exclusions as their parent(s). Pricing is just $2.00 per month or $24 annually per member.

Multi-State Protection

The U.S. & Texas LawShield Firearms Legal Defense Program provides legal defense for members anywhere in their state of membership should they be forced to use a gun or other legal weapon. Travelers can stay protected nationwide with our Multi-State Protection add-on. For one additional low price, members can receive the same legal benefits – including criminal and civil legal defense – in all 50 states and Washington, D.C. Pricing is just $2.95 per month or $35.40 annually per member.

Bail Bond & Expert Witness

Service is currently available in Texas, Oklahoma, and Pennsylvania only.

With the Bail Bond & Expert Witness Coverage add-on, members will receive protection for bail up to $25,000 and Expert Witness fee protection. Pricing is just $2.95 per month or $35.40 annually per member.

PROGRAM FAQs
04

I’ve taken a firearms licensing course but I have yet to receive my license. Do I need to wait until I get it to sign up?

No. We protect you with or without a firearm license and for any legal weapon, not just a gun.

I do not own a firearm. Is there value in the program without one?

Yes. We cover the “use” of any legal weapon.

Am I covered if I use my rifle/shotgun instead of my handgun?

Yes. Our program covers the “use” of all legal firearms and other lawful weapons.

If I call the Emergency Hotline, will I actually be speaking to an attorney?

Yes. The hotline is always answered by an attorney, NOT a receptionist or answering service. You get immediate communication with an Independent Program Attorney.

Am I covered out of state?

Yes, if you have elected to carry our optional multi-state protection. You will receive the same legal benefits in all fifty states, Washington, D.C., and Puerto Rico. If an incident were to occur, call the Attorney-Answered Emergency Hotline and an Independent Program Attorney will assist you.

If there is a mistrial or the case has to be retried, is that covered?

Yes. Our representation includes both civil and criminal trials and any retrials that may be necessary.

Are appeals covered?

Yes. Coverage includes a direct appeal of any final judgment to the court with appellate jurisdiction and a further appeal to the highest court of appeals in the jurisdiction. However, it does not include an appeal that is frivolous, in bad faith, or for the purpose of delay or harassment.

Is there a contract and can I cancel at any time?

Members have the right to cancel their contract and legal service at any time. We will gladly refund your prorated membership fees.

Is there a limit on the amount of hours for defense under this program?

No. Our Independent Program Attorneys do not and will not put a limit on the number of hours devoted to your defense. Your Independent Program Attorney is there from the beginning until the very end, no matter how long it may take. As a member, you deserve no less.

Does the program cover accidental or unintended discharge?

Yes, provided that you legally possess the firearm in a place where possession of the firearm is legally allowed.

Since the program is so inexpensive, will I receive less service in my defense?

Absolutely not! Your Independent Program Attorney’s responsibility and ethical duty is to represent you zealously, fully, and to the best of his/her abilities, regardless of the fees charged. All of our members receive the same service from our vast nationwide network of Independent Program Attorneys.

If I have adult children at home, will they need their own policy?

Yes. All adults who wish to have this service need their own membership and membership card.

Do I have to shoot someone to be covered?

No. Our members are covered under their legal services contract or insurance policy any time the member displays a firearm for the purpose of using the firearm as a weapon to stop a threat, whether the member pulls the trigger and discharges the firearm or not. Additionally, covered “use” of a firearm does not require that you actually discharge your weapon. Using your gun as a tool to threaten, hit, or shoot an attacker are all acceptable–and covered–uses.

TERMS OF COVERAGE
05

YOUR COVERAGE IS STATE-SPECIFIC

Arizona Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAWSHIELD OF ARIZONA, LLC LEGAL SERVICE SUBSCRIPTION CONTRACT
LYNDON SOUTHERN INSURANCE COMPANY

Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

POLICY NUMBER: _____________________________

Insured:

Address:

City:

State:

Zip:

POLICY PERIOD:

Effective: _____________ From ________________ at 12: 01 A.M

FIREARMS LEGAL DEFENSE PROGRAM

DECLARATIONS

In consideration of the payment of premiums and subject to all of the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein to the person insured hereunder whose name is:
_______________________________________________________________________________________________________________

(herein called “Member”)

The rate of premium of this Policy per month per Member as defined in the Policy is: $________________

If the Member chooses to add coverage for their spouse as defined in the Policy, the rate of premium is: $_______________________

If the Member chooses to add coverage for their minor children as defined in the Policy, the rate of premium is: $____________________

If the Member chooses to add Multi-State Protection as defined in the Policy, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Accidental Death and Dismemberment, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Hunting Activity, the additional rate of premium is: $___________________

This Policy is subject to the laws of the jurisdiction that it is issued in.

The coverage afforded to the Member is only with respect to this Policy as indicated herein. The limit of the Company’s liability shall be as stated in this Policy.

The provisions in the following pages hereof form a part of this Policy are fully incorporated herein over the signatures appearing below.

EMERGENCY HOTLINE NUMBER: _________-_________-_________

In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Jacksonville, Florida on the Effective Date of this Policy.

Secretary

President

TABLE OF CONTENTS
I. INSURING AGREEMENT

Page 3

II. DEFINITIONS

Page 3

III. PARTIES TO THE POLICY

Page 4

IV. LEGAL SERVICES & BENEFITS

Page 4

V. LIMITATIONS & EXCLUSIONS

Page 5

VI. OPERATION & ADMINISTRATION OF PLAN

Page 5

VII. CANCELLATION OF PLAN & REINSTATMENT

Page 6

VIII. DUTIES OF MEMBERS

Page 7

IX. GENERAL PROVISIONS

Page 7

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

MEMBER POLICY
FIREARMS LEGAL DEFENSE PROGRAM

In consideration of the payment of premiums and subject to the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein.

INSURING AGREEMENT

Lyndon Southern Insurance Company will provide legal services to Members and Covered Persons who legally possess a weapon and has a Use Of A Weapon as determined herein in defense of themselves, other persons, or property.

Various provisions in this Policy restrict coverage.

Read the entire Policy carefully to determine rights, duties and what is and is not covered.

DEFINITIONS

Insurer — Lyndon Southern Insurance Company, [Administrative Office, 10151 Deerwood Park Blvd., Bldg. 100, Suite 500, Jacksonville, FL 32256]

Application — Means all signed applications for this Policy, including any attachments, addenda and other materials submitted in conjunction with the signed applications(s).

Covered Person — Means spouse and/or minor children with all premiums paid.

Plan Administrator — Business entity appointed by an Insurer to solicit applications, policyholder services and issue policies.

Member — Person who has submitted an Application, been accepted by the Insurer, and paid all Premiums due.

Premium(s) — The amount paid for this Policy as described on the Declarations Page.

Plan Attorney — A licensed attorney contracted by the Insurer to provide legal services for the Member and Covered Persons under this Policy.

Policy — This agreement detailing the terms and conditions of this contract of insurance, which has entered into between the Insurer and Member.

Use Of A Weapon — Any incident where the Member or Covered Person either discharges or displays a weapon for the purpose of using the weapon to stop a threat. For purposes of this Policy, a weapon is defined as any firearm, including a handgun, electronic weapon or device, tear gas gun, knife or billie, or any other lawful weapon at their disposal. This term does not include taking the weapon to a location that is prohibited by federal, state or local law, or negligent or unintended displays.

“Good Samaritan Incident” — Any incident where the Member or Covered Person helps or assists another person using emergency First Aid in an attempt to save an injured person’s life after (1) a self-defense incident, regardless of the weapon involved, or (2) any accidental discharge of a firearm. This term does not include help or assistance for which the Member or Covered Person receives, or expects to receive, compensation or remuneration for such services.

PARTIES TO THE POLICY

This legal expense insurance Policy is administered by the Plan Administrator on behalf of the Insurer. The Plan Administrator shall provide Member or any Covered Persons with a Plan Attorney for any incident covered by this Policy. The Plan Attorney shall perform the legal services described herein.

Member or any Covered Person may receive benefits from the legal services provided by Insurer. The benefits provided under this Policy shall be available to the Member who has paid all Premiums due under the Policy. The legal services described herein shall be available to the Member who applies and pays the appropriate Premium under the Policy. The effective date of the legal services is the day of signup where the first payment is made by the Member. The term of this Policy is twelve (12) months from the effective date. The term of this Policy shall automatically be renewed for twelve (12) months on the anniversary of the effective date, unless the Policy is terminated by the Member or under the express terms of this Policy.

The legal services described herein shall be available to the Member’s minor children if Member tenders the applicable Premiums. Such services shall include protection to Member’s minor children, who shall become Covered Persons upon the payment of the appropriate Premiums. Effective date of the legal services for minor children is the day of signup where the first applicable Premium is paid by the Member.

LEGAL SERVICES & BENEFITS

The Premiums paid by the Member entitles the Covered Persons to the legal services described herein and provided by a Plan Attorney. These services may be used by calling Insurer on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Member, shown on the Declarations Page.

The legal representation provided by this Policy is provided for a Member or any Covered Person by an attorney in any criminal or civil procedure arising from an incident involving a Member or any Covered Person providing that:

Member or Covered Person is, in good standing having paid all applicable Premiums;

Member or Covered Person has a “Use Of A Weapon” in the Covered State as defined above; and

Use Of A Weapon is in a place within the Covered State where the Member or Covered Person is legally permitted to possess a weapon.

Legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This Policy provides no benefit for any incident that occurred prior to the effective date of the Policy or after its termination.

An emergency hotline is maintained and answered 24 hours a day for Member access to a Plan Attorney for legal advice immediately after Use Of A Weapon.

Member or Covered Person access to a Plan Attorney is provided for legal advice regarding carrying and use of weapons and to give on-going legal advice on general weapons law.

If the Member tenders the appropriate Premiums for Multi-State Protection provided by Insurer, the Member and any Covered Persons shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

If the Member tenders the appropriate Premiums to include protection for minor children, Member shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a Use Of A Weapon incident. Minor children are subject to the same limitations and exclusions provided herein.

The Member and Covered Person will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and the applicable emergency hotline telephone number.

Optional Good Samaritan Coverage

The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Member or Covered Person who enrolls and completes the U.S. Law Shield Training and Credentialing Program and obtains a U.S. Law Shield Certificate of Training Completion. The Effective Date of the legal services benefits is the Effective Date inscribed on the Certificate of Training Completion provided to Member or Covered Person. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying policy. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Member or Covered Person to the following legal services by an Independent Contracting Attorney:

Legal representation is provided by an independent contracting attorney in the defense of any criminal or civil proceeding directly arising from an incident involving the Member or Covered Person, in good standing, who has a “Good Samaritan Incident” as defined above. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal, as described in the underlying Policy. This agreement provides no benefit for any incident that took place prior to the effective date or after its termination. Nothing herein shall be construed to provide coverage for any civil claims or criminal charges unrelated to or not directly arising out of a Good Samaritan Incident.

All limitations and exclusions from this policy shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

LIMITATIONS & EXCLUSIONS

In order for a Member or Covered Person to receive the benefits described in this Policy, at the time of a Use Of A Weapon incident occurs, the Member or Covered Person must be:

in legal possession of a weapon, and

at the time of the Use Of A Weapon the Member must be in a location where Member or Covered Person could legally possess a weapon.

Insurer or Insurer’s Plan Attorney will have no obligations under this Policy to defend or represent a Member or Covered Person if at the time the Member or Covered Person uses his or her weapon, the Member or Covered Person was not in lawful possession of the weapon, or was in a location, without legal justification, where possession of a weapon is illegal under state, federal, or local law or expected or intended injury.

“Bodily injury” or “property damage”, expected or intended, from the standpoint of the Member or Covered Person. This exclusion does not apply to “bodily injury” resulting from the use of reasonable force to protect persons or property.

Costs And Fees Not Covered Under This Contract. This Policy covers all Plan Attorneys’ fees for a covered incident, however, it is expressly understood that any expenses or costs associated with court filing fees, sheriff fees for service of summons or process, deposition and discovery costs, fines, penalties, damages assessed, investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Member and paid directly by the Member. This Policy shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.

This Policy specifically excludes all Hunting Activities including but not limited to criminal charges alleging a violation of criminal hunting of Feral Swine and fishing.

d. This Policy specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Covered Person’s Use Of A Weapon.

This Policy specifically excludes legal representation in criminal or civil matters arising from the Covered Person’s possession of a weapon in violation e. of local, state, or federal laws or in the commission of any crime for which justification under state law is inapplicable.

This Policy specifically excludes providing legal representation by a Plan Attorney for any incident, criminal investigation or prosecution arising from the Use Of A Weapon by the Member or Covered Person against the Member or Covered Person’s current or former family member, household or dating relationship as defined in the state statutes or other applicable state law.

This Policy specifically excludes providing legal representation by a Plan Attorney for Members or Covered Persons who use a weapon in the scope of their employment, including but not limited to, a police officer, a peace officer, security guard or military personnel.

This Policy excludes all states except, the state listed on the Declarations Page. This exclusion does not apply if Multi State Coverage has been purchased and is shown on the Declarations Page.

OPERATION & ADMINISTRATION OF PLAN

The Plan is administered by Insurer who shall provide services for Members and Covered Persons whose premiums are current, through Plan Attorneys pursuant to a participating attorney’s contract with Insurer.

Insurer shall enter into contractual agreements with the Plan Attorneys to provide legal services to Member and Covered Persons. The Plan Attorneys shall be selected by Insurer for Members and Covered Persons. No Member or Covered Person is required to consult with or be represented by a Plan Attorney. Each Member and Covered Person is free to consult with any attorney of their choice about any matter, including matters covered by this Policy, at the Members or Covered Person’s sole expense. Member or Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract. Insurer will not pay attorney’s fees to any other attorney other than a Plan Attorney.

Insurer shall maintain complete control over all administrative procedures. Insurer may alter or amend the Policy upon the renewal date of the Member’s policy. Any changes to the Policy shall be made effective only upon renewal of the Policy and shall not act to deprive Member or Covered Person of any service to which they were entitled for matters pending at the time of the change. Member or Covered Person must be notified of any change 30 days in advance of the change.

No change in the Policy is valid until the change has been approved by an executive officer of Insurer and unless such change is endorsed or attached to the Policy. There is no modification of the Policy rates while it is in effect. Policy rates may be modified upon renewal of the Policy on the anniversary date of signup.

This Policy is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses unless expressly covered by this contract.

CANCELLATION OF POLICY & REINSTATEMENT

A Member may terminate the Policy by providing Insurer or Plan Administrator with written notice of the Member’s intent to terminate the Policy and the termination date requested.

Insurer may cancel a Policy by mailing a written notice of cancellation to the Member to the last known address according to the records of Insurer. Insurer must mail notice of cancellation before the 30th day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:

Conviction of a crime arising out of acts increasing the hazard insured against;

Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;

Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;

Changes in the loss exposure which increase the hazard insured against;

A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or

A material increase in the hazard insured against.

If Insurer cancels the Policy of Member due to nonpayment, Insurer must mail notice of cancellation before the tenth (10th) day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and that the Policy is being cancelled because of nonpayment.

The Policy will be reinstated, with full rights and benefits, provided the Policy is not terminated pursuant to subsection c(2) or c(3) above and provided the Member remits to Insurer all Premiums due to bring the Policy to a current status before the termination date.

In the event that the Member terminates their Policy for any reason, or has their membership cancelled, the legal services provided to the Member or any Covered Person shall be ended. If any Member or Covered Person has an active matter at the time of termination, the Plan Attorney shall complete the legal matter unless the Member or Covered Person does not desire to be further represented by the Plan Attorney involved in the matter, or by any other Plan Attorney.

In the event that a membership is terminated by either the Member or the Insurer, the Member shall be entitled to a refund of unearned Premiums on a [pro-rata basis]. However, any monthly premiums that have not been earned by the Insurer shall be returned to Member within 15 working days after the effective date of cancellation, as determined by post mark. Insurer need not return amounts less than [$5.00], unless specifically requested to do so by Member. Likewise, should Member discharge a Plan Attorney as to any active matter without terminating membership of the Policy, no refund of earned Premiums shall be due to the terminated Member.

DUTIES OF MEMBERS In the Event of A Claim

Member has a duty to notify the Insurer or Plan Administrator if a Use Of A Weapon occurs by the Member and any Covered Person, as soon as practicable.

A Member and Covered Person shall:

Fully cooperate with Plan Attorney in a defense at any legal proceeding;

Attend any and all court dates, court hearings, and other official appearances in connection with the claims in an active matter; Keep all appointments with Plan Attorney and, if an expected event occurs that prevents keeping an appointment, the Member or Covered Person shall immediately notify Plan attorney if an appointment cannot be kept.

GENERAL PROVISIONS

The Insurer, as part of the implementation of this Policy, enters into agreements with Plan Attorneys who have agreed to provide services to the Members or Covered Persons under the conditions under each agreement. In none of these instances does the Insurer stand in the position of guarantor as to the honesty, proficiency, accuracy, or resourcefulness of the individual Plan Attorney or firm of Plan Attorney. Accordingly, if any Plan Attorney to whom a Member or Covered Person uses for a legal matter under this Policy performs or omits an act which may give rise to a claim for malpractice, the Member’s or Covered Person’s sole recourse will be against the individual Plan Attorney or Plan Attorney’s firm, that is handling that Member’s or Covered Person’s legal matter.

In the event of a complaint from a Member or Covered Person about a Plan Attorney, Insurer will attempt to resolve the complaint or to transfer the Member or Covered Person to another designated Plan Attorney. Before any such action is taken the Plan Attorney will be given an opportunity to resolve the problem. If the Insurer is unable to find a Plan Attorney willing to perform the services covered by this Policy or if the Plan Attorney is disqualified or otherwise unable to perform the services, the Insurer will select or appoint another Plan Attorney to provide the services to the Member or Covered Person.

In the event that Member or Covered Person should have a problem, complaint, or grievance concerning the legal services provided by the Plan Attorney, the Member or Covered Person may request a conference with the Plan Attorney and the Insurer by contacting the Insurer at the number indicated on the Declarations Page. The Member or Covered Person may request a conference with an impartial third party chosen by mutual agreement between Insurer and Member or Covered Person. A conference shall be held with Insurer, Plan Attorney, Member, Covered Person (if different from the Member) and the impartial third party in an effort to resolve the problem, complaint, or grievance.

Any and all complaints and grievances between any Member or Covered Person and Insurer or any of its affiliates and/or the Plan Attorney and/or any of its affiliates shall be submitted to binding arbitration in Duval County, Florida, pursuant to the terms and provisions of the American Arbitration Association.

Any Member or Covered Person has the right to file a grievance with the Bar Association concerning any Plan Attorney’s conduct. Nothing in this Policy shall be deemed to interfere with the Bar Association’s right to discipline attorneys for a violation of any Bar Association Canon or Rule addressing honesty, integrity, or fair dealing. The grievance resolution machinery addresses only disputes between the Insurer, Plan Attorney, Member or any Covered Person, involving issues including coverage other than legal ethics.

The obligation of the Plan Attorney in providing legal services under this Policy shall be solely to the Member or Covered Person. The Plan Attorney shall maintain the confidentiality of the attorney-client relationship in accordance with the Bar Rules and Codes of Professional Responsibility.

g. The Insurer may refuse to provide legal services under this Policy, if the Insurer or the Plan Attorney believes that the legal services are in the furtherance of a legal matter which is believed to be clearly frivolous, or which would violate the Bar Rules or Code of Professional Responsibility.

j. In the event that a Covered Person does not agree with the Plan Attorney’s advice or recommendations, the Plan Attorney may terminate the representation if done pursuant to the Bar Rules or Code of Professional Responsibility. Member or Covered Person may at all times retain counsel other than the Independent Plan Attorney provided under this Policy, however, Member and Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this Policy.

k. The Insurer is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Member or Covered Person seeks coverage under this Policy for a covered event under this Policy, then Member or Covered Person will have an attorney-client relationship solely with the Plan Attorney and there shall be no interference with that attorney-client relationship by the Insurer. Nothing in this Policy is intended to impair the ability of Member or Covered Person from addressing the conduct of a Plan Attorney with the State Bar Association. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by a Plan Attorney, are required by this Policy to be addressed solely with the Plan Attorney. Member and Covered Person acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this Policy, some owners or employees of Insurer may be licensed attorneys. Those attorneys who are also employees or owners of Insurer are NOT Plan Attorneys under this Policy, will not be providing legal services to Member or Covered Person, and will not have an attorney-client relationship with Member or Covered Person at any time.

There are no subrogation rights under this Policy.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Member or Covered Person by Insurer, Plan Administrator or Plan Attorney. It is further expressly agreed and understood that no other representations have been made to Member or Covered Person, except for those set out in this Policy.

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HUNTING ACTIVITY ENDORSEMENT

SCHEDULE

Coverage

Hunting Activity Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and is shown on the Endorsement Schedule or Policy Declarations Page.

Exclusion V., c. of the Policy, is deleted and replaced with the following Legal Services Benefit:

Hunting Program Legal Representation Benefits:

A Member in good standing shall be entitled to coverage for the reasonable legal services of a Plan Attorney.

Benefits are limited to:

defense of any criminal charges, by a Plan Attorney, alleging a violation of Title 12 and/or Title 17 of the Arizona Revised Statutes, or the Arizona Fish and Game Commission Rules as it pertains to Hunting Activity or fishing, against the Policy Holder;

defense of any criminal charges, by a Plan Attorney, alleging a violation of Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing; or

defense of any civil claims, by a Plan Attorney, brought against the Member and any Covered Person that arises as a direct result of his or her Hunting Activity or fishing.

All such legal representations shall be subject to the limitations and exclusions set forth below.

Hunting Activity – means, in addition to actual hunting, an event or occurrence involving:

the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and

the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: Plan Attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

at the time of the occurrence giving rise to a claim is engaged in a criminal act other than an offense , alleging a violation of Title 12 and/or Title 17 of the Arizona Revised Statutes, the Arizona Fish and Game Commission Rules, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity or fishing, against the Policy Holder; or

at the time of the incident giving rise to a claim the Member or any Covered Person was not in lawful possession of the firearm; or

the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of a Member and any Covered Person: The provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in Policy. The provisions of this program shall only apply and be effective for incidents that occur within the State of Arizona.

This program is intended to provide the Member and any Covered Person with the reasonable legal services of a Plan Attorney. Nothing in this Hunting Activity Endorsement shall be construed or deemed to provide the Member or any Covered Person with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Member or Covered Person, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against the Member or Covered Person.

All other terms and conditions remain unchanged.

Arkansas Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF ARKANSAS LEGAL SERVICE SUBSCRIPTION CONTRACT

Principal Office – 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

DEFINITIONS

“Independent Contracting Attorney” – An independent, third-party, licensed attorney that U.S. Law Shield of Arkansas contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract. This definition shall apply throughout the entirety of this agreement. Any references herein to Contracting Attorney, Independent Contracting Attorney, attorney, program attorney, legal services, legal defense, and other similar terms shall refer to an independent, third-party, licensed attorney that U.S. Law Shield of Arkansas contracts with to provide legal services for the Legal Service Contract Holder.

“Use of a Firearm or Other Lawful Weapon” – Any incident where the Legal Service Contract Holder either discharges or displays a firearm (or uses any other lawful weapon at their disposal, including accidental discharges) for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or otherwise actually uses the other lawful weapon or not. This term does not include taking the firearm or other lawful weapon to a location that is prohibited by federal, state, or local law.

“Legal Service Contract” – The present subscription contract entered into between Legal Service Contract Holder and U.S. Law Shield of Arkansas for consideration and under which U.S. Law Shield of Arkansas will obtain legal services for the Legal Service Contract Holder through an Independent Contracting Attorney.

“Legal Service Contract Holder” – Person who purchased the U.S. Law Shield of Arkansas Legal Service Subscription Contract.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield of Arkansas who shall provide Legal Service Contract Holders with an Independent Contracting Attorney for any incident covered by this Legal Service Contract. U.S. Law Shield of Arkansas shall offer the Legal Service Contract in the State of Arkansas. The Independent Contracting Attorney shall perform the legal services described herein.

The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of Arkansas. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

_____________________, is the sales representative who sold or solicited this Legal Service Contract on behalf of U.S. Law Shield of Arkansas.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup where the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is lawfully terminated pursuant to the terms of this agreement.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependents is the day of signup where the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by an Independent Contracting Attorney and these services may be utilized by calling U.S. Law Shield of Arkansas on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an independent contracting attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of Arkansas where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination.

An emergency hotline is maintained and answered 24 hours a day for any Legal Service Contract Holder.

Upon request, an Independent Contracting Attorney is provided for legal advice regarding the use and carrying of firearms and other lawful weapons.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of Arkansas, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits provided herein and is subject to the limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of Firearm or Other Lawful Weapon.” Minor children are subject to the same limitations and exclusions provided herein.

Legal Service Contract Holder shall receive all of the preceding benefits from Independent Contracting Attorney regardless of payments, performance, consideration, the solvency or continued operations of U.S. Law Shield of Arkansas. Independent Contracting Attorney shall be responsible for providing services whether or not U.S. Law Shield becomes bankrupt or otherwise ceases to function in the anticipated manner. There is no indemnification contracted for by either the administrative unit or the providers of the plan for services or risk contingencies performed by any other entity outside the closed panel.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Service Contract.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Services Contract, at the time of a use of a firearm or other lawful weapon incident occurs, the Legal Service Contract Holder must be in legal possession of the firearm or other weapon, and at the time of the use of a firearm or other lawful weapon the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm or other lawful weapon.

Neither U.S. Law Shield of Arkansas nor U.S. Law Shield of Arkansas Independent Contracting Attorneys will have any obligations under this contract to provide coverage to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm or other lawful weapon, the Legal Service Contract Holder was not in lawful possession of the firearm or other lawful weapon, or was in a location, without legal justification, where possession of a firearm or other lawful weapon is illegal under state, federal, or local law.

This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Contract Holder’s use of a firearm or other lawful weapon for which justification is available as a defense.

This Legal Service Contract specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm or other lawful weapon, if at the time of the use of the firearm or other lawful weapon, Legal Service Contract Holder was in the commission of any crime using their firearm or other lawful weapon for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Contract specifically excludes providing legal representation from an Independent Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm or other lawful weapon by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship as defined in applicable state law.

TRANSFERABILITY & REIMBURSEMENT

The Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION OF CONTRACT & REINSTATEMENT

Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of Arkansas with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.

If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Contract is void and U.S. Law Shield of Arkansas shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract. If the Legal Service Contract is otherwise lawfully terminated by the Legal Service Contract Holder or by U.S. Law Shield of Arkansas as indicated hereinbelow, U.S. Law Shield will refund the unearned premium, pro rata, to the Legal Service Contract Holder.

U.S. Law Shield of Arkansas may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder at the last known address according to the records of U.S. Law Shield of Arkansas by first class mail. U.S. Law Shield of Arkansas must mail notice before the 10th day preceding the effective date of the cancellation if the contract is less than 60 days old or the reason for cancellation is for nonpayment. The notice must state the effective date of the cancellation and the reason for cancellation.

If the contract is older than 60 days, U.S. Law Shield of Arkansas shall provide 30 days prior notice of cancellation, in the manner outlined in paragraph C. above. No notice is required for cancellation in the case where a Legal Service Contract is void ab initio for failure of consideration.

There shall be a grace period of 31 Days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated because of a material misrepresentation made by the Legal Service Contract Holder or because of a substantial breach of duty by the Holder and provided the Legal Contract Holder remits to U.S. Law Shield within a 31 day period all fees necessary to pay the Legal Service Contract to a current status, and provided there has been no use of a firearm or other weapon within such 31 day period.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of Arkansas if a use of a firearm or other weapon occurs by the Legal Services Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with Independent Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter.

It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Arkansas and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of Arkansas if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of Arkansas of all changes in his or her address or telephone number.

Request for legal services shall be initiated by calling U.S. Law Shield of Arkansas’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@uslawshield.com

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses’ attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Services Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including, but not limited to, witness fees, witness travel expenses, and/or lodging, and shall not cover court costs, bonds and expenses related to appeals, records and transcripts.

No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of Arkansas and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup. This is the entire agreement between the parties. There are no other contracts or endorsements.

Marketing/Advertising/Promotional Fees. Legal Service Contract Holder acknowledges and agrees that one or more third-parties may receive compensation in connection with the marketing, sale or advertising of this Legal Service Contract, including marketing or advertising fees, salaries, contract payments, facility lease payments, commissions and/or passive commissions as authorized by applicable statutes, laws and rules.

Resolution of Disputes. Any and all complaints, claims, causes of action, suits, disputes or any other legal assertions between the Legal Service Contract Holder and U.S. Law Shield of Arkansas or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in Harris County, Texas, pursuant to the terms and provisions of the American Arbitration Association. Legal Service Contract Holder expressly waives the right to proceed with any legal action, other than on an individual basis in an arbitration proceeding described herein. If this venue selection is not permitted under applicable state law, then applicable venue provisions shall apply. Legal Service Contract Holder specifically waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis.

Independence of Contracting Attorneys. U.S. Law Shield of Arkansas is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Legal Service Contract Holder seeks coverage under this agreement for a covered event under this contract, then Legal Service Contract Holder will have an attorney-client relationship solely with the Independent Contracting Attorney and there shall be no interference with that attorney-client relationship by U.S. Law Shield of Arkansas. Nothing in this contract is intended to impair the ability of Legal Service Contract Holder from addressing the conduct of an Independent Contracting Attorney with the State Bar of Arkansas. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by an Independent Contracting Attorney, are required by this contract to be addressed solely with the Independent Contracting Attorney. Legal Service Contract Holder acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this contract, some owners or employees of U.S. Law Shield of Arkansas may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Arkansas are NOT Independent Contracting Attorneys under this agreement, will not be providing legal services to Legal Service Contract Holder, and will not have an attorney-client relationship with Legal Service Contract Holder at any time.

Legal Service Contract Holder may at all times retain counsel different than provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights – There are no subrogation rights under this Legal Services Contract.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by U.S. Law Shield of Arkansas or Independent Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this contract. No statements by the subscriber or his employer or group in the application for the contract shall void the subscription contract or be used in any legal proceeding under the contract, unless such application or an exact copy of the application is included in or attached to such subscription contract.

U.S. Law Shield of Georgia, LLC conducts offers this legal service plan in the State of Arkansas and conducts business as a prepaid legal insurer under the name U.S. Law Shield of Arkansas.

LEGAL SERVICES CONTRACT PRICING
Legal Service Contract Price

Individual: $131.40/year or $10.95/month

Couples: $240.00/year or $10.95/month + $10.95/month ($21.90/month)

Optional Coverage

Multi State Coverage Per Person: $35.40/year or $2.95/month

Minor Children: $24.00/year or $2.00/month

*New Legal Service Contract Holder Packet, $19.95, is a one-time, per member fee at sign up.

State Members: The following is the terms of your membership and the legal services contract that establishes your rights under the program.

COLORADO LAW SHIELD, LLP LEGAL SERVICE CONTRACT

1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

DEFINITIONS

“Contracting Attorney” — A licensed attorney that U.S. Law Shield of Colorado, LLC contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract.

“Use of a Firearm or Other Lawful Weapon” — Any incident where the Legal Service Contract Holder either discharges or displays a firearm (or uses any other lawful weapon, including accidental discharges) for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or otherwise actually uses the other lawful weapon or not. This term does not include taking the firearm to a location that is prohibited by federal, state, or local law.

“Legal Service Contract” — The present agreement entered into between Legal Service Contract Holder and U.S. Law Shield of Colorado, LLC for consideration and under which U.S. Law Shield of Colorado, LLC will obtain legal services for the Legal Service Contract Holder through a Contracting Attorney.

“Legal Service Contract Holder” — Person who purchased the U.S. Law Shield of Colorado, LLC’s Legal Service Contract.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield of Colorado, LLC who shall provide Legal Service Contract Holders with a Contracting Attorney for any incident covered by this Legal Service Contract. U.S. Law Shield of Colorado, LLC shall offer the Legal Service Contract in the State of Colorado. The Contracting Attorney shall perform the legal services described herein.

The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of Colorado, LLC. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

The person whose name is on the front of this guide is the sales representative who sold or solicited this Legal Service Contract on behalf of U.S. Law Shield of Colorado, LLC.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup where the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is terminated by Legal Service Contract Holder or U.S. Law Shield of Colorado, LLC.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependants if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependants is the day of signup where the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by a Contracting Attorney and these services may be utilized by calling U.S. Law Shield of Colorado, LLC on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an independent contracting attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of Colorado where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination.

An emergency hotline is maintained and answered 24 hours a day by a Contracting Attorney for legal advice immediately after use of a firearm, for any Legal Service Contract Holder.

A Contracting Attorney is provided for legal advice regarding use and carrying of firearms.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of Colorado, LLC, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and Washington D.C.

If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of Firearm” incident. Minor children are subject to the same limitations and exclusions provided herein.

Legal Service Contract Holder shall receive all of the preceding benefits from Contracting Attorney regardless of payments, performance, consideration, the solvency or continued operations of U.S. Law Shield of Colorado, LLC. Contracting Attorney shall be responsible for providing services whether or not U.S. Law Shield becomes bankrupt or otherwise ceases to function in the anticipated manner. There is no indemnification contracted for by either the administrative unit or the providers of the plan for services or risk contingencies performed by any other entity outside the closed panel.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Service Contract.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Services Contract, at the time of a use of a firearm incident occurs, the Legal Service Contract Holder must be in legal possession of a firearm, and at the time of the use of a firearm the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm.

U.S. Law Shield of Colorado LLC or U.S. Law Shield of Colorado LLC’s Contracting Attorney will have no obligations under this contract to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm, the Legal Service Contract Holder was not in lawful possession of the firearm, or was in a location, without legal justification, where possession of a firearm is illegal under state, federal, or local law.

This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Contract Holder’s use of a firearm.

This Legal Service Contract specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm, if at the time of the use of the firearm; Legal Service Contract Holder was in the commission of any crime using their firearm for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Contract specifically excludes providing legal representation from a Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship as defined in applicable state law.

TRANSFERABILITY AND REIMBURSEMENT

The Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION OF CONTRACT & REINSTATEMENT

Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of Colorado, LLC with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.

If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Contract is void and U.S. Law Shield of Colorado, LLC shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

U.S. Law Shield of Colorado, LLC may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder to the last known address according to the records of U.S. Law Shield of Colorado, LLC. U.S. Law Shield of Colorado LLC must mail notice before the fifth day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

U.S. Law Shield of Colorado, LLC is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:

Nonpayment;

A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of Colorado, LLC;

A substantial breach of a duty by the Legal Service Contract Holder; or

Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of Colorado, LLC.

There shall be a grace period of 31 Days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated pursuant to subsection D(ii) or D(iii) above and provided the Legal Contract Holder remits to U.S. Law Shield of Colorado, LLC within a 31 day period all fees necessary to pay the Legal Service Contract to a current status.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of Colorado, LLC if a use of a firearm occurs by the Legal Services Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter. The Legal Service Contract Holder agrees further to immediately inform U.S. Law Shield of Colorado, LLC of anything that will prevent the Legal Service Contract Holder from attending scheduled court dates or appearances.

It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Colorado, LLC or any Contracting Attorney and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of Colorado, LLC if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of Colorado, LLC of all changes in his or her address or telephone number.

Request for legal services may be initiated by calling U.S. Law Shield of Colorado, LLC’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@uslawshield.com

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Services Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging, and shall not cover court costs, bonds and expenses related to appeals, records and transcripts.

No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of Colorado, LLC and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup.

Complaint and Grievance. Any and all complaints and grievances between the Legal Service Contract Holder and U.S. Law Shield of Colorado, LLC or any of its affiliates and/or the Contracting Attorney and/or any of its affiliates shall be submitted to binding arbitration in Harris County, Texas, pursuant to the terms and provisions of the American Arbitration Association.

Legal Service Contract Holder may at all times retain counsel different than provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights — There are no subrogation rights under this Legal Services Contract.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by U.S. Law Shield of Colorado, LLC or Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this contract.

U.S. Law Shield of Colorado, LLC offers a legal service plan in the State of Colorado. This Legal Service Contract is not an insurance contract.

LEGAL SERVICES CONTRACT PRICING
Legal Service Contract Price

Individual: $131.40/year or $10.95/month

Couples: $240.00/year or $10.95/month + $10.95/month ($21.90/month)

Optional Coverage

Multi State Coverage Per Person: $35.40/year or $2.95/month

Minor Children: $24.00/year or $2.00/month

Hunter Shield: $35.40/year or $2.95/month

*New Legal Service Contract Holder Packet, $19.95, is a one-time, per member fee at sign up.

Optional Colorado Hunting Activity Program Addendum
Colorado Hunting and Sporting Activity Program Option

U.S. Law Shield of Colorado, LLC, offers for separate consideration a Hunting Activity program (the “Hunting Program”) as an optional legal service plan that may be added to the U.S. Law Shield of Colorado Firearms Legal Defense Program. The legal services described herein are only available to a U.S. Law Shield of Colorado Legal Service Contract Holder who elects to add this optional service for separate and additional consideration to their U.S. Law Shield of Colorado Firearms Legal Defense Program. In addition to the benefits provided in the U.S. Law Shield of Colorado Firearms Legal Defense Program, the Legal Service Contract Holder who selects and pays separate and additional consideration for the Hunting Program shall receive the Hunting Program Legal Representation Benefits outlined below.

Hunting Program Legal Representation Benefits: If the Legal Service Contract Holder tenders separate consideration for the Hunting Program, a Legal Service Contract Holder in good standing shall be entitled to coverage for the reasonable legal services of an independent program attorney selected and provided by U.S. Law Shield of Colorado, LLC, at no charge. Such benefits are limited to:

1) defense of any criminal charges (by an independent program attorney) alleging a violation of Title 33 of the Colorado Revised Statutes, or a violation of 2 CCR 406, as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder;

2) defense of any criminal charges (by an independent program attorney) alleging a violation of Titles 16 or 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder;

3) defense of any civil claims (by an independent program attorney) brought against the Legal Service Contract Holder that arises as a direct result of his or her Hunting Activity or fishing in Colorado;

All such legal representations shall be subject to the limitations and exclusions set forth below.

“Hunting Activity” – Hunting Activity shall mean, in addition to actual hunting, an event or occurrence within the State of Colorado involving: 1) the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and 2) the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: U.S. Law Shield of Colorado, LLC or U.S. Law Shield of Colorado, LLC’s independent program attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

1) at the time of the occurrence giving rise to a claim the Legal Service Contract Holder is engaged in a criminal act other than an offense alleging a violation of Title 33 of the Colorado Revised Statutes, 2 CCR 406, or Titles 16 or 50 of the Code of Federal Regulations, as they relate to Hunting Activity;

2) at the time of the incident giving rise to a claim the Legal Service Contract Holder was not in lawful possession of the firearm, or was not within the borders of the State of Colorado;

3) the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of Legal Service Contract Holder: the provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in the U.S. Law Shield of Colorado, LLC, Legal Service Contract. The provisions of this program shall only apply and be effective for incidents that occur within the State of Colorado.

This program is intended to provide the Legal Service Contract Holder with the reasonable legal services of an independent program attorney. Nothing in this Hunting Activity Program shall be construed or deemed to provide Legal Service Contract Holder with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Legal Service Contract Holder, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against Legal Service Contract Holder.

State Members: The following is the terms of your membership and the legal services contract that establishes your rights under the program.

FLORIDA LAW SHIELD, LLP LEGAL SERVICE CONTRACT

1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

INTRODUCTION

U.S. Law Shield Legal Expense Insurance Corporation has been established to make legal services available at a reasonable cost to persons who legally possess a firearm and have a Use Of A Firearm as determined herein in defense of themselves, other persons, or property, as set forth in the Florida Statutes.

DEFINITIONS

Insurer – U.S. Law Shield Legal Expense Insurance Corporation, principal place of business is 1020 Bay Area Blvd., Suite 220, Houston, Texas 77058.

Plan Member or Member – Any person who has filed an Application Agreement, been accepted by the Insurer, and pays all Premiums due.

Premium(s) – The amount paid for this Policy.

Plan Attorney – A licensed attorney that Insurer contracts with to provide legal services for the Member under this Policy.

Policy – The present agreement, which is a contract, entered into between Insurer and Member for Premiums paid to Insurer; and under which Insurer may obtain legal services for the Member or other Covered Person through a Plan Attorney.

“Use Of A Firearm” – Any incident where the Member either discharges or displays a firearm for the purpose of using the firearm as a weapon to stop a threat, whether the Member pulls the trigger and discharges the firearm or not, including accidental discharges. This term does not include taking the firearm to a location that is prohibited by federal, state, or local law. For the purposes of incidents occurring in Florida only and under this Florida Policy only, the term “firearm” shall also include the other weapons specifically enumerated in Florida Statutes 790.001(13), and no others.

Covered Person – A Member or a spouse or minor child covered by a Policy for which Premiums are paid and current.

PARTIES TO THE POLICY

This legal expense insurance policy is administered by Insurer. Insurer shall provide Covered Persons with a Plan Attorney for any incident covered by this Policy. Insurer shall offer the legal expense insurance policy in the State of Florida. The Plan Attorney shall perform the legal services described herein.

Member may receive benefits from the legal services provided by Insurer. The benefits provided under this Policy shall be available to the Member who has paid all Premiums due under the Policy. The legal services described herein shall be available to the Member who enrolls and pays the appropriate Premium under the Policy. The effective date of the legal services is the day of signup when the first payment is made by the Member. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is terminated by Member or under the express terms of this Policy.

The legal services described herein shall be available to the Member’s minor children if Member tenders the applicable Premiums. Such services shall include protection to Member’s minor children, who shall become Covered Persons upon the payment of the appropriate Premiums. Effective date of the legal services for minor children is the day of signup when the first applicable Premium is paid by the Member.

LEGAL SERVICES & BENEFITS

The Premium paid by the Member entitles the Covered Persons to the legal services described herein and provided by a Plan Attorney. These services may be used by calling Insurer on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Member.

The legal representation provided by this Policy is provided for Members by an attorney in any criminal or civil proceeding arising from an incident involving a Covered Person providing that: (i) the Member is, in good standing having paid all applicable Premiums; (ii) a Covered Person has a “Use Of A Firearm” as defined above; and (iii) the Use Of A Firearm is in a place within the State of Florida where the Covered Person is legally permitted to possess a firearm. Legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination. This Policy provides no benefit for any incident that occurred prior to the effective date of the Policy or after its termination.

An emergency hotline is maintained and answered 24 hours a day for Member access to a Plan Attorney for legal advice immediately after a Use of A firearm.

If the Member tenders the appropriate Premiums for Multi-State Protection provided by Insurer, the Covered Persons shall be entitled to the same legal services and benefits as described herein (as relating to Florida) for all 50 states and Washington, D.C. Multi-State Protection is subject to the limitations and exclusions provided herein.

If the Member tenders the appropriate Premiums to include protection for minor children, Member shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use Of A Firearm” incident. Minor children are subject to the same limitations and exclusions provided herein.

The Member will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and the applicable emergency hotline telephone number.

LIMITATIONS & EXCLUSIONS

In order for Covered Person to receive the benefits described in this Policy, at the time a firearm incident occurs, the Covered Person must be (1) in legal possession of a firearm, and (2) at the time of the Use Of A Firearm the Member must be in a location where Covered Person could legally possess a firearm. Insurer or Insurer’s Plan Attorney will have no obligations under this contract to defend or represent a Covered Person if at the time the Covered Person uses his or her firearm, the Covered Person was not in lawful possession of the firearm, or was in a location, without legal justification, where possession of a firearm is illegal under state, federal, or local law.

Costs And Fees Not Covered Under This Contract. This Policy covers all attorneys’ fees for a covered incident, however, it is expressly understood that any expenses or costs associated with court filing fees, sheriff fees for service of summons or process, deposition and discovery costs, fines, penalties, damages assessed, investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Covered Person and paid directly by the Covered Person. This Policy shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.

This Policy specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Covered Person’s Use Of A Firearm.

This Policy specifically excludes legal representation in criminal or civil matters arising from the Covered Person’s possession of a firearm in violation of local, state, or federal laws or in the commission of any crime for which justification under state law is inapplicable.

This Policy specifically excludes providing legal representation by a Plan Attorney for any incident, criminal investigation or prosecution arising from the Use Of A Firearm by the Covered Person against the Covered Person’s current or former family member, household or dating relationship as defined in the Florida Statutes or other applicable state law.

OPERATION & ADMINISTRATION OF PLAN

The Plan is administered by Insurer who shall provide services for Members whose premiums are current, through Plan Attorneys pursuant to a participating attorney’s contract with Insurer.

Insurer shall enter into contractual agreements with the Plan Attorneys to provide legal services to Covered Persons. The Plan Attorneys shall be selected by Insurer for Covered Persons. No Covered Person is required to consult with or be represented by a Plan Attorney. Each Covered Person is free to consult with any attorney of their choice about any matter, including matters covered by this Policy, at the Covered Person’s sole expense. Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract. Insurer will not pay attorney’s fees to any other attorney other than a Plan Attorney.

Insurer shall maintain complete control over all administrative procedures. Insurer may alter or amend the Policy upon the renewal date of the Member’s policy. Any changes to the Policy shall be made effective only upon renewal of the Policy and shall not act to deprive Member of any service to which they were entitled for matters pending at the time of the change. Member must be notified of any change thirty days (30) in advance of the change.

No change in the contract is valid until the change has been approved by an executive officer of Insurer and unless such change is endorsed or attached to the contract. There is no modification of the Policy rates while it is in effect. Policy rates may be modified upon renewal of the Policy on the anniversary date of signup.

This Policy is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses unless expressly covered by this contract.

CANCELLATION OF CONTRACT & REINSTATEMENT

A Member may terminate the Policy by providing Insurer with written notice of the Member’s intent to terminate the contract not later than the seventh day after the date the Member receives the contract.

If the Policy is terminated by the Member in accordance with Section (a) above and the Member has not sought legal services under the contract before termination, the Policy is void and Insurer shall refund the Member or credit the Member’s account the full purchase price of the contract.

Insurer may cancel a Policy by mailing a written notice of cancellation to the Member to the last known address according to the records of Insurer. Insured must mail notice of cancellation before the fifth day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

Insurer is not required to provide prior notice of cancellation if the Policy is cancelled because of:

Nonpayment;

A material misrepresentation by the Member to Insurer;

A substantial breach of a duty by any Covered Person; or

Cancellation of the contract by the Member to Insurer.

There shall be a grace period of 31 Days. The Policy will be reinstated, with full rights and benefits, provided the contract is not terminated pursuant to subsection d(ii) or d(iii) above and provided the Member remits to Insurer within a 31 day period all Premiums due to bring the Policy to a current status and no use of a firearm has occurred during such a period.

In the event that the Member terminates their Policy for any reason, or has their membership cancelled, the legal services provided to the Member or any Covered Person shall be ended. If any Covered Person has an active matter at the time of termination, the Plan Attorney shall complete the legal matter unless the Covered Person does not desire to be further represented by the Plan Attorney involved in the matter, or by any other Plan Attorney.

In the event that a membership is terminated by either the Member or the Insurer, the Member shall not be entitled to a refund of any Premiums that have been earned by Insurer. Premiums are earned by the Insurer as the period of the Policy elapses. For example, after one month, Insurer earns 1/12 of an annual Premium or 100% of a monthly Premium. Premiums are earned by the Insurer solely by the progression of time, thus Premiums are earned even if: (i) no Covered Person has an active legal matter pending; or (ii) no Covered Person has used any services or received any benefit under the Policy. However, any monthly premiums that have not been earned by the Insurer shall be returned to Member. Likewise, should Member discharge a Plan Attorney as to any active matter without terminating membership of the Policy, no refund of earned Premiums shall be due to the Member.

DUTIES OF MEMBERS AND OTHER COVERED PERSONS

Member has a duty to promptly notify Insurer if a Use Of A Firearm occurs by any Covered Person.

As an express condition of coverage under the Policy and legal representation in any matter, a Covered Person shall:

Fully cooperate with Plan Attorney in a defense at any legal proceeding;

Attend any and all court dates, court hearings, and other official appearances in connection with the charges claims in an active matter;

Immediately inform Insurer of anything that will prevent the Covered Person from attending scheduled court dates or appearances;

Keep all appointments with Insurer or any Plan Attorney and, if an unexpected event occurs that prevents keeping an appointment, the Covered Person shall immediately notify Insurer if an appointment cannot be kept.

The Member agrees to promptly inform Insurer of all changes in his or her address or telephone number of any Covered Person.

Request for legal services may be initiated by calling Insurer’s emergency hotline or phoning the office at (877) 474-7184, or through email at support@uslawshield.com.

GENERAL PROVISIONS

The Insurer, as part of the implementation of this Policy, enters into agreements with Plan Attorneys who have agreed to provide services to the Members under the conditions under each agreement. In none of these instances does the Insurer stand in the position of guarantor as to the honesty, proficiency, accuracy, or resourcefulness of the individual Plan Attorney or firm of Plan Attorney. Accordingly, if any Plan Attorney to whom a Covered Person uses for a legal matter under this Policy performs or omits an act which may give rise to a claim for malpractice, the Member’s sole recourse will be against the individual Plan Attorney or Plan Attorney’s firm, that is handling that Member’s legal matter.

In the event of a complaint of Covered Person about a Plan Attorney, Insurer will attempt to resolve the complaint or to transfer the Covered Person to another designated Plan Attorney. Before any such action is taken the Plan Attorney will be given an opportunity to resolve the problem. If the Insurer is unable to find a Plan Attorney willing to perform the services covered by this Policy or if the Plan Attorney is disqualified or otherwise unable to perform the services, the Insurer will select or appoint another Plan Attorney to provide the services to the Covered Person.

In the event that Member should have a problem, complaint, or grievance concerning the legal services provided by the Plan Attorney, the Member may request a conference with the Plan Attorney and the Insurer by contacting the Insurer at (877) 474-7184. The Member may request a conference with an impartial third party chosen by mutual agreement between Insurer and Member. A conference shall be held with Insurer, Plan Attorney, Member, Covered Person (if different from the Member) and the impartial third party in an effort to resolve the problem, complaint, or grievance.

Any and all complaints and grievances between any Covered Person and Insurer or any of its affiliates and/or the Plan Attorney and/or any of its affiliates shall be submitted to binding arbitration in Harris County, Texas, pursuant to the terms and provisions of the American Arbitration Association. Covered Person expressly waives the right to proceed with any legal action, other than on an individual basis in an arbitration proceeding described herein. Covered Person specifically waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis.

Any Covered Person has the right to file a grievance with the Florida Bar concerning any Plan Attorney’s conduct. Nothing in this Policy shall be deemed to interfere with the Florida Bar Association’s right to discipline attorneys for a violation of any Bar Association Canon or Rule addressing honesty, integrity, or fair dealing. The grievance resolution machinery addresses only disputes between the Insurer, Plan Attorney, Member or any Covered Person, involving issues including coverage other than legal ethics.

The obligation of the Plan Attorney in providing legal services under this Policy shall be solely to the Covered Person. The Plan Attorney shall maintain the confidentiality of the attorney-client relationship in accordance with the Florida Bar Rules and Codes of Professional Responsibility.

The Insurer may refuse to provide legal services under this Policy, if the Insurer or the Plan Attorney believes that the legal services are in the furtherance of a legal matter which is believed to be clearly frivolous, or which would violate the Florida Bar Rules or Code of Professional Responsibility.

In the event that a Covered Person does not agree with the Plan Attorney’s advice or recommendations, the Plan Attorney may terminate the representation if done pursuant to the Florida Bar Rules or Code of Professional Responsibility.

There are no subrogation rights under this Policy.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Member by Insurer or Plan Attorney. It is further expressly agreed and understood that no other representations have been made to Member, except for those set out in this contract.

The law firm of Walker & Rice, L.L.P., discloses that its attorney owners are shareholders of U.S. Law Shield Legal Expense Insurance Corporation. As such, Walker & Rice, L.L.P. acknowledges that as a result of its ownership in U.S. Law Shield Legal Expense Insurance Corporation, it will become informed of, and have access to, valuable and confidential information of U.S. Law Shield Legal Expense Insurance Corporation. Walker & Rice, L.L.P. agrees that the U.S. Law Shield Legal Expense Insurance Corporation Confidential Information, even though it may be contributed, developed or acquired in whole or in part by Walker & Rice, L.L.P., shall remain the exclusive property of U.S. Law Shield Legal Expense Insurance Corporation, to be held by Walker & Rice, L.L.P., in trust and solely for U.S. Law Shield Legal Expense Insurance Corporation’s benefit. Attorney-shareholders shall not be involved in determining which applicants should be approved or denied a policy. Moreover, no attorney-shareholder shall be involved in any decision making procedure that ultimately determines policy coverage issues.

LEGAL SERVICES CONTRACT PRICING
Legal Service Contract Price

Individual: $131.40/year or $10.95/month

Couples: $240.00/year or $10.95/month + $10.95/month ($21.90/month)

Optional Coverage

Multi State Coverage Per Person: $35.40/year or $2.95/month

Minor Children: $24.00/year or $2.00/month

Georgia Members: The following is the terms of your membership and the legal services contract that establishes your rights under the program.

U.S. LAW SHIELD OF GEORGIA LEGAL SERVICE CONTRACT

Principal Office – 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

DEFINITIONS

“Contracting Attorney” – A licensed attorney that U.S. Law Shield of Georgia, LLC contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract.

“Use of a Firearm or Other Lawful Weapon” – Any incident where the Legal Service Contract Holder either discharges or displays a firearm (or uses any other lawful weapon at their disposal, including accidental discharges) for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or otherwise actually uses the other lawful weapon or not. This term does not include taking the firearm to a location that is prohibited by federal, state, or local law.

“Legal Service Contract” – The present subscription contract entered into between Legal Service Contract Holder and U.S. Law Shield of Georgia, LLC for consideration and under which U.S. Law Shield of Georgia, LLC will obtain legal services for the Legal Service Contract Holder through a Contracting Attorney.

“Legal Service Contract Holder” – Person who purchased the U.S. Law Shield of Georgia, LLC’s Legal Service Subscription Contract.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield of Georgia, LLC who shall provide Legal Service Contract Holders with a Contracting Attorney for any incident covered by this Legal Service Contract. U.S. Law Shield of Georgia, LLC shall offer the Legal Service Contract in the State of Georgia. The Contracting Attorney shall perform the legal services described herein.

The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of Georgia, LLC. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

_____________________, is the sales representative who sold or solicited this Legal Service Contract on behalf of U.S. Law Shield of Georgia, LLC.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup where the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is terminated by Legal Service Contract Holder or U.S. Law Shield of Georgia, LLC.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependents is the day of signup where the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by a Contracting Attorney and these services may be utilized by calling U.S. Law Shield of Georgia, LLC on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an independent contracting attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of Georgia where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination.

An emergency hotline is maintained and answered 24 hours a day by a Contracting Attorney for legal advice immediately after use of a firearm, for any Legal Service Contract Holder.

A Contracting Attorney is provided for legal advice regarding use and carrying of firearms.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of Georgia, LLC, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and Washington D.C.

If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of Firearm” incident. Minor children are subject to the same limitations and exclusions provided herein.

Legal Service Contract Holder shall receive all of the preceding benefits from Contracting Attorney regardless of payments, performance, consideration, the solvency or continued operations of U.S. Law Shield of Georgia, LLC. Contracting Attorney shall be responsible for providing services whether or not U.S. Law Shield becomes bankrupt or otherwise ceases to function in the anticipated manner. There is no indemnification contracted for by either the administrative unit or the providers of the plan for services or risk contingencies performed by any other entity outside the closed panel.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Service Contract.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Services Contract, at the time of a use of a firearm incident occurs, the Legal Service Contract Holder must be in legal possession of a firearm, and at the time of the use of a firearm the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm.

U.S. Law Shield of Georgia LLC or U.S. Law Shield of Georgia LLC’s Contracting Attorney will have no obligations under this contract to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm, the Legal Service Contract Holder was not in lawful possession of the firearm, or was in a location, without legal justification, where possession of a firearm is illegal under state, federal, or local law.

This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Contract Holder’s use of a firearm.

This Legal Service Contract specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm, if at the time of the use of the firearm; Legal Service Contract Holder was in the commission of any crime using their firearm for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Contract specifically excludes providing legal representation from a Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship as defined in applicable state law.

TRANSFERABILITY & REIMBURSEMENT

The Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION OF CONTRACT & REINSTATEMENT

Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of Georgia, LLC with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.

If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Contract is void and U.S. Law Shield of Georgia, LLC shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

U.S. Law Shield of Georgia, LLC may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder to the last known address according to the records of U.S. Law Shield of Georgia, LLC. U.S. Law Shield of Georgia LLC must mail notice before the fifth day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

U.S. Law Shield of Georgia, LLC is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:

Nonpayment;

A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of Georgia, LLC;

A substantial breach of a duty by the Legal Service Contract Holder; or

Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of Georgia, LLC.

There shall be a grace period of 31 Days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated pursuant to subsection D(ii) or D(iii) above and provided the Legal Contract Holder remits to U.S. Law Shield within a 31 day period all fees necessary to pay the Legal Service Contract to a current status, and provided there has been no use of a firearm within such 31 day period.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of Georgia, LLC if a use of a firearm occurs by the Legal Services Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter. The Legal Service Contract Holder agrees further to immediately inform U.S. Law Shield of Georgia, LLC of anything that will prevent the Legal Service Contract Holder from attending scheduled court dates or appearances.

It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Georgia, LLC or any Contracting Attorney and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of Georgia, LLC if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of Georgia, LLC of all changes in his or her address or telephone number.

Request for legal services may be initiated by calling U.S. Law Shield of Georgia, LLC’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@uslawshield.com

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Services Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging, and shall not cover court costs, bonds and expenses related to appeals, records and transcripts.

No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of Georgia, LLC and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup. This is the entire agreement between the parties. There are no other contracts or endorsements.

Complaint and Grievance. Any and all complaints and grievances between the Legal Service Contract Holder and U.S. Law Shield of Georgia, LLC or any of its affiliates and/or the Contracting Attorney and/or any of its affiliates shall be submitted to binding arbitration in Harris County, Texas, pursuant to the terms and provisions of the American Arbitration Association. If this venue selection is not permitted under applicable state law, then applicable venue provisions shall apply. Legal Service Contract Holder expressly waives the right to pursue any claims as a class action, and agrees to assert claims only in an individual capacity.

Legal Service Contract Holder expressly waives the right to proceed with any legal action, other than on an individual basis in an arbitration proceeding described herein. Legal Service Contract Holder specifically waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis.

Legal Service Contract Holder may at all times retain counsel different than provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights – There are no subrogation rights under this Legal Services Contract.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by U.S. Law Shield of Georgia, LLC or Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this contract. No statements by the subscriber or his employer or group in the application for the contract shall void the subscription contract or be used in any legal proceeding under the contract, unless such application or an exact copy of the application is included in or attached to such subscription contract.

U.S. Law Shield of Georgia, LLC offers a legal service plan in the State of Georgia. This Legal Service Contract is not an insurance contract.

LEGAL SERVICES CONTRACT PRICING
Legal Service Contract Price

Individual: $131.40/year or $10.95/month

Couples: $240.00/year or $10.95/month + $10.95/month ($21.90/month)

Optional Coverage

Multi State Coverage Per Person: $35.40/year or $2.95/month

Minor Children: $24.00/year or $2.00/month

Hunter Shield: $35.40/year or $2.95/month

*New Legal Service Contract Holder Packet, $19.95, is a one-time, per member fee at sign up.

Optional Georgia Hunting Activity Program Addendum
Georgia Hunting and Sporting Activity Program Option

U.S. Law Shield of Georgia, LLC, offers for separate consideration a Hunting Activity program (the “Hunting Program”) as an optional legal service plan that may be added to the U.S. Law Shield of Georgia, LLC Legal Service Contract. The legal services described herein are only available to a U.S. Law Shield of Georgia, LLC Legal Service Contract Holder who elects to add this optional service for separate and additional consideration to their U.S. Law Shield of Georgia, LLC Legal Service Contract. In addition to the benefits provided in the U.S. Law Shield of Georgia, LLC Legal Service Contract, the Legal Service Contract Holder who selects and pays separate and additional consideration for the Hunting Program shall receive the Hunting Program Legal Representation Benefits outlined below.

Hunting Program Legal Representation Benefits: If the Legal Service Contract Holder tenders separate consideration for the Hunting Program, a Legal Service Contract Holder in good standing shall be entitled to coverage for the reasonable legal services of an independent program attorney selected and provided by U.S. Law Shield of Georgia, LLC, at no charge. Such benefits are limited to:

1) defense of any criminal charges (by an independent program attorney) alleging a violation of the Georgia Game and Fish Code, as it pertains to Hunting Activity or fishing, against the Legal Service Contract Holder;

2) defense of any criminal charges (by an independent program attorney) alleging a violation of Title 16 of the U.S. Code, or Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder;

3) defense of any civil claims (by an independent program attorney) brought against the Legal Service Contract Holder that arises as a direct result of his or her Hunting Activity or fishing in Georgia;

All such legal representations shall be subject to the limitations and exclusions set forth below.

“Hunting Activity” – Hunting Activity shall mean, in addition to actual hunting, an event or occurrence within the State of Georgia involving: 1) the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and 2) the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: U.S. Law Shield of Georgia, LLC or U.S. Law Shield of Georgia, LLC’s independent program attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

1) at the time of the occurrence giving rise to a claim the Legal Service Contract Holder is engaged in a criminal act other than an offense alleging a violation of the Georgia Game and Fish Code, or Title 16 of the U.S. Code, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity;

2) at the time of the incident giving rise to a claim the Legal Service Contract Holder was not in lawful possession of the firearm, or was not within the borders of the State of Georgia;

3) the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of Legal Service Contract Holder: the provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in the U.S. Law Shield of Georgia, LLC, Legal Service Contract. The provisions of this program shall only apply and be effective for incidents that occur within the State of Georgia.

This program is intended to provide the Legal Service Contract Holder with the reasonable legal services of an independent program attorney. Nothing in this Hunting Activity Program shall be construed or deemed to provide Legal Service Contract Holder with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Legal Service Contract Holder, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against Legal Service Contract Holder.

Illinois Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF ILLINOIS, LLC LEGAL SERVICE SUBSCRIPTION CONTRACT
LYNDON SOUTHERN INSURANCE COMPANY

Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

POLICY NUMBER: _____________________________

Insured:

Address:

City:

State:

Zip:

POLICY PERIOD:

Effective: _____________ From ________________ at 12: 01 A.M

FIREARMS LEGAL DEFENSE PROGRAM

DECLARATIONS

In consideration of the payment of premiums and subject to all of the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein to the person insured hereunder whose name is:
_______________________________________________________________________________________________________________

(herein called “Member”)

The rate of premium of this Policy per month per Member as defined in the Policy is: $________________

If the Member chooses to add coverage for their spouse as defined in the Policy, the rate of premium is: $_______________________

If the Member chooses to add coverage for their minor children as defined in the Policy, the rate of premium is: $____________________

If the Member chooses to add Multi-State Protection as defined in the Policy, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Accidental Death and Dismemberment, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Hunting Activity, the additional rate of premium is: $___________________

This Policy is subject to the laws of the jurisdiction that it is issued in.

The coverage afforded to the Member is only with respect to this Policy as indicated herein. The limit of the Company’s liability shall be as stated in this Policy.

The provisions in the following pages hereof form a part of this Policy are fully incorporated herein over the signatures appearing below.

EMERGENCY HOTLINE NUMBER: _________-_________-_________

In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Jacksonville, Florida on the Effective Date of this Policy.

Secretary

President

TABLE OF CONTENTS
I. INSURING AGREEMENT

Page 3

II. DEFINITIONS

Page 3

III. PARTIES TO THE POLICY

Page 4

IV. LEGAL SERVICES & BENEFITS

Page 4

V. LIMITATIONS & EXCLUSIONS

Page 5

VI. OPERATION & ADMINISTRATION OF PLAN

Page 5

VII. CANCELLATION OF PLAN & REINSTATMENT

Page 6

VIII. DUTIES OF MEMBERS

Page 7

IX. GENERAL PROVISIONS

Page 7

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

MEMBER POLICY
FIREARMS LEGAL DEFENSE PROGRAM

In consideration of the payment of premiums and subject to the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein.

INSURING AGREEMENT

Lyndon Southern Insurance Company will provide legal services to Members and Covered Persons who legally possess a weapon and has a Use Of A Weapon as determined herein in defense of themselves, other persons, or property.

Various provisions in this Policy restrict coverage.

Read the entire Policy carefully to determine rights, duties and what is and is not covered.

DEFINITIONS

Insurer — Lyndon Southern Insurance Company, [Administrative Office, 10151 Deerwood Park Blvd., Bldg. 100, Suite 500, Jacksonville, FL 32256]

Application — Means all signed applications for this Policy, including any attachments, addenda and other materials submitted in conjunction with the signed applications(s).

Covered Person — Means spouse and/or minor children with all premiums paid.

Plan Administrator — Business entity appointed by an Insurer to solicit applications, policyholder services and issue policies.

Member — Person who has submitted an Application, been accepted by the Insurer, and has paid all Premiums due.

Premium(s) — The amount paid for this Policy as described on the Declarations Page.

Plan Attorney — A licensed attorney contracted by the Insurer to provide legal services for the Member and Covered Persons under this Policy.

Policy — This agreement detailing the terms and conditions of this contract of insurance, which has entered into between the Insurer and Member.

Use Of A Weapon — Any incident where the Member or Covered Person either discharges or displays a weapon for the purpose of using the weapon to stop a threat. For purposes of this Policy, a weapon is defined as any firearm, including a handgun, electronic weapon or device, tear gas gun, knife or billie, or any other lawful weapon at their disposal. This term does not include taking the weapon to a location that is prohibited by federal, state or local law, or negligent or unintended displays.

PARTIES TO THE POLICY

This legal expense insurance Policy is administered by the Plan Administrator on behalf of the Insurer. The Plan Administrator shall provide Member or any Covered Persons with a Plan Attorney for any incident covered by this Policy. The Plan Attorney shall perform the legal services described herein.

Member or any Covered Person may receive benefits from the legal services provided by Insurer. The benefits provided under this Policy shall be available to the Member who has paid all Premiums due under the Policy. The legal services described herein shall be available to the Member who applies and pays the appropriate Premium under the Policy. The effective date of the legal services is the day of signup where the first payment is made by the Member. The term of this Policy is twelve (12) months from the effective date. The term of this Policy shall automatically be renewed for twelve (12) months on the anniversary of the effective date, unless the Policy is terminated by the Member or under the express terms of this Policy.

The legal services described herein shall be available to the Member’s minor children if Member tenders the applicable Premiums. Such services shall include protection to Member’s minor children, who shall become Covered Persons upon the payment of the appropriate Premiums. Effective date of the legal services for minor children is the day of signup where the first applicable Premium is paid by the Member.

LEGAL SERVICES & BENEFITS

The Premiums paid by the Member entitles the Covered Persons to the legal services described herein and provided by a Plan Attorney. These services may be used by calling Insurer on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Member, shown on the Declarations Page.

The legal representation provided by this Policy is provided for a Member or any Covered Person by an attorney in any criminal or civil procedure arising from an incident involving a Member or any Covered Person providing that:

Member or Covered Person is, in good standing having paid all applicable Premiums;

Member or Covered Person has a “Use Of A Weapon” in the Covered State as defined above; and

Use Of A Weapon is in a place within the Covered State where the Member or Covered Person is legally permitted to possess a weapon.

Legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This Policy provides no benefit for any incident that occurred prior to the effective date of the Policy or after its termination.

An emergency hotline is maintained and answered 24 hours a day for Member access to a Plan Attorney for legal advice immediately after Use Of A Weapon.

Member or Covered Person access to a Plan Attorney is provided for legal advice regarding carrying and use of weapons and to give on-going legal advice on general weapons law.

If the Member tenders the appropriate Premiums for Multi-State Protection provided by Insurer, the Member and any Covered Persons shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

If the Member tenders the appropriate Premiums to include protection for minor children, Member shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a Use Of A Weapon incident. Minor children are subject to the same limitations and exclusions provided herein.

The Member and Covered Person will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and the applicable emergency hotline telephone number.

LIMITATIONS & EXCLUSIONS

In order for a Member or Covered Person to receive the benefits described in this Policy, at the time of a Use Of A Weapon incident occurs, the Member or Covered Person must be:

in legal possession of a weapon, and

at the time of the Use Of A Weapon the Member must be in a location where Member or Covered Person could legally possess a weapon.

Insurer or Insurer’s Plan Attorney will have no obligations under this Policy to defend or represent a Member or Covered Person if at the time the Member or Covered Person uses his or her weapon, the Member or Covered Person was not in lawful possession of the weapon, or was in a location, without legal justification, where possession of a weapon is illegal under state, federal, or local law or expected or intended injury.

“Bodily injury” or “property damage”, expected or intended, from the standpoint of the Member or Covered Person. This exclusion does not apply to “bodily injury” resulting from the use of reasonable force to protect persons or property.

Costs And Fees Not Covered Under This Contract. This Policy covers all Plan Attorneys’ fees for a covered incident, however, it is expressly understood that any expenses or costs associated with court filing fees, sheriff fees for service of summons or process, deposition and discovery costs, fines, penalties, damages assessed, investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Member and paid directly by the Member. This Policy shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.

This Policy specifically excludes all Hunting Activities including but not limited to criminal charges alleging a violation of criminal hunting of Feral Swine and fishing.

This Policy specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Covered Person’s Use Of A Weapon.

This Policy specifically excludes legal representation in criminal or civil matters arising from the Covered Person’s possession of a weapon in violation of local, state, or federal laws or in the commission of any crime for which justification under state law is inapplicable.

This Policy specifically excludes providing legal representation by a Plan Attorney for any incident, criminal investigation or prosecution arising from the Use Of A Weapon by the Member or Covered Person against the Member or Covered Person’s current or former family member, household or dating relationship as defined in the state statutes or other applicable state law.

This Policy specifically excludes providing legal representation by a Plan Attorney for Members or Covered Persons who use a weapon in the scope of their employment, including but not limited to, a police officer, a peace officer, security guard or military personnel.

This Policy excludes all states except, the state listed on the Declarations Page. This exclusion does not apply if Multi State Coverage has been purchased and is shown on the Declarations Page.

OPERATION & ADMINISTRATION OF PLAN

The Plan is administered by Insurer who shall provide services for Members and Covered Persons whose premiums are current, through Plan Attorneys pursuant to a participating attorney’s contract with Insurer.

Insurer shall enter into contractual agreements with the Plan Attorneys to provide legal services to Member and Covered Persons. The Plan Attorneys shall be selected by Insurer for Members and Covered Persons. No Member or Covered Person is required to consult with or be represented by a Plan Attorney. Each Member and Covered Person is free to consult with any attorney of their choice about any matter, including matters covered by this Policy, at the Members or Covered Person’s sole expense. Member or Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract. Insurer will not pay attorney’s fees to any other attorney other than a Plan Attorney.

Insurer shall maintain complete control over all administrative procedures. Insurer may alter or amend the Policy upon the renewal date of the Member’s policy. Any changes to the Policy shall be made effective only upon renewal of the Policy and shall not act to deprive Member or Covered Person of any service to which they were entitled for matters pending at the time of the change. Member or Covered Person must be notified of any change 30 days in advance of the change.

No change in the Policy is valid until the change has been approved by an executive officer of Insurer and unless such change is endorsed or attached to the Policy. There is no modification of the Policy rates while it is in effect. Policy rates may be modified upon renewal of the Policy on the anniversary date of signup.

This Policy is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses unless expressly covered by this contract.

CANCELLATION OF POLICY & REINSTATEMENT

A Member may terminate the Policy by providing Insurer or Plan Administrator with written notice of the Member’s intent to terminate the Policy and the termination date requested.

Insurer may cancel a Policy by mailing a written notice of cancellation to the Member to the last known address according to the records of Insurer. Insurer must mail notice of cancellation before the 30th day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:

Conviction of a crime arising out of acts increasing the hazard insured against;

Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;

Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;

Changes in the loss exposure which increase the hazard insured against;/p>

A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or

A material increase in the hazard insured against.

If Insurer cancels the Policy of Member due to nonpayment, Insurer must mail notice of cancellation before the tenth (10th) day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and that the Policy is being cancelled because of nonpayment.

The Policy will be reinstated, with full rights and benefits, provided the Policy is not terminated pursuant to subsection c(2) or c(3) above and provided the Member remits to Insurer all Premiums due to bring the Policy to a current status before the termination date.

In the event that the Member terminates their Policy for any reason, or has their membership cancelled, the legal services provided to the Member or any Covered Person shall be ended. If any Member or Covered Person has an active matter at the time of termination, the Plan Attorney shall complete the legal matter unless the Member or Covered Person does not desire to be further represented by the Plan Attorney involved in the matter, or by any other Plan Attorney.

In the event that a membership is terminated by either the Member or the Insurer, the Member shall be entitled to a refund of unearned Premiums on a [pro-rata basis]. However, any monthly premiums that have not been earned by the Insurer shall be returned to Member within 15 working days after the effective date of cancellation, as determined by post mark. Insurer need not return amounts less than [$5.00], unless specifically requested to do so by Member. Likewise, should Member discharge a Plan Attorney as to any active matter without terminating membership of the Policy, no refund of earned Premiums shall be due to the terminated Member.

DUTIES OF MEMBERS In the Event of A Claim

Member has a duty to notify the Insurer or Plan Administrator if a Use Of A Weapon occurs by the Member and any Covered Person, as soon as practicable.

A Member and Covered Person shall:

Fully cooperate with Plan Attorney in a defense at any legal proceeding;

Attend any and all court dates, court hearings, and other official appearances in connection with the claims in an active matter; Keep all appointments with Plan Attorney and, if an expected event occurs that prevents keeping an appointment, the Member or Covered Person shall immediately notify Plan attorney if an appointment cannot be kept.

GENERAL PROVISIONS

The Insurer, as part of the implementation of this Policy, enters into agreements with Plan Attorneys who have agreed to provide services to the Members or Covered Persons under the conditions under each agreement. In none of these instances does the Insurer stand in the position of guarantor as to the honesty, proficiency, accuracy, or resourcefulness of the individual Plan Attorney or firm of Plan Attorney. Accordingly, if any Plan Attorney to whom a Member or Covered Person uses for a legal matter under this Policy performs or omits an act which may give rise to a claim for malpractice, the Member’s or Covered Person’s sole recourse will be against the individual Plan Attorney or Plan Attorney’s firm, that is handling that Member’s or Covered Person’s legal matter.

In the event of a complaint from a Member or Covered Person about a Plan Attorney, Insurer will attempt to resolve the complaint or to transfer the Member or Covered Person to another designated Plan Attorney. Before any such action is taken the Plan Attorney will be given an opportunity to resolve the problem. If the Insurer is unable to find a Plan Attorney willing to perform the services covered by this Policy or if the Plan Attorney is disqualified or otherwise unable to perform the services, the Insurer will select or appoint another Plan Attorney to provide the services to the Member or Covered Person.

In the event that Member or Covered Person should have a problem, complaint, or grievance concerning the legal services provided by the Plan Attorney, the Member or Covered Person may request a conference with the Plan Attorney and the Insurer by contacting the Insurer at the number indicated on the Declarations Page. The Member or Covered Person may request a conference with an impartial third party chosen by mutual agreement between Insurer and Member or Covered Person. A conference shall be held with Insurer, Plan Attorney, Member, Covered Person (if different from the Member) and the impartial third party in an effort to resolve the problem, complaint, or grievance.

Any and all complaints and grievances between any Member or Covered Person and Insurer or any of its affiliates and/or the Plan Attorney and/or any of its affiliates shall be submitted to binding arbitration in Duval County, Florida, pursuant to the terms and provisions of the American Arbitration Association.

Any Member or Covered Person has the right to file a grievance with the Bar Association concerning any Plan Attorney’s conduct. Nothing in this Policy shall be deemed to interfere with the Bar Association’s right to discipline attorneys for a violation of any Bar Association Canon or Rule addressing honesty, integrity, or fair dealing. The grievance resolution machinery addresses only disputes between the Insurer, Plan Attorney, Member or any Covered Person, involving issues including coverage other than legal ethics.

The obligation of the Plan Attorney in providing legal services under this Policy shall be solely to the Member or Covered Person. The Plan Attorney shall maintain the confidentiality of the attorney-client relationship in accordance with the Bar Rules and Codes of Professional Responsibility.

The Insurer may refuse to provide legal services under this Policy, if the Insurer or the Plan Attorney believes that the legal services are in the furtherance of a legal matter which is believed to be clearly frivolous, or which would violate the Bar Rules or Code of Professional Responsibility.

In the event that a Covered Person does not agree with the Plan Attorney’s advice or recommendations, the Plan Attorney may terminate the representation if done pursuant to the Bar Rules or Code of Professional Responsibility. Member or Covered Person may at all times retain counsel other than the Independent Plan Attorney provided under this Policy, however, Member and Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this Policy.

The Insurer is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Member or Covered Person seeks coverage under this Policy for a covered event under this Policy, then Member or Covered Person will have an attorney-client relationship solely with the Plan Attorney and there shall be no interference with that attorney-client relationship by the Insurer. Nothing in this Policy is intended to impair the ability of Member or Covered Person from addressing the conduct of a Plan Attorney with the State Bar Association. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by a Plan Attorney, are required by this Policy to be addressed solely with the Plan Attorney. Member and Covered Person acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this Policy, some owners or employees of Insurer may be licensed attorneys. Those attorneys who are also employees or owners of Insurer are NOT Plan Attorneys under this Policy, will not be providing legal services to Member or Covered Person, and will not have an attorney-client relationship with Member or Covered Person at any time.

There are no subrogation rights under this Policy.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Member or Covered Person by Insurer, Plan Administrator or Plan Attorney. It is further expressly agreed and understood that no other representations have been made to Member or Covered Person, except for those set out in this Policy.

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Accidental Death & Dismemberment Endorsement

SCHEDULE

Coverage

Accidental Death & Dismemberment Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and shown on the Endorsement Schedule or Policy Declarations Page.

This endorsement contains only the principal provisions relating to the coverage and payment of loss described herein. The insurance described is automatically terminated if the Policy is canceled as provided therein or if the person insured ceases to fall within the Member or Covered Person as stated in this endorsement.

Description of Member or Covered Person – As used herein, the Member or Covered Person means only the person(s) listed on the Policy Declarations Page as for whom the specific premium for this coverage is paid.

LIMIT OF LIABILITY

The principal sum, in limits ranging from [$1,000] to [$100,000] in increments of [$1,000] as selected by the Member or Covered Person indicated on the Policy Declarations Page.

Insurance applies only with respect to those coverages for which an amount is specified against loss resulting directly and independently of all other causes for accidental bodily injuries which arise out of the hazards described and are sustained by the Member or Covered Person during the term of the Policy, herein called injuries, to the extent herein provided.

The following description of Coverage’s and Provisions contain the principal provisions relating to coverage and payment of loss:

DEATH, DISMEMBERMENT OR LOSS OF SIGHT – If within ninety (90) days from the date of accident, such injuries shall result in death, dismemberment or loss of sight of the Member or Covered Person, the company will pay:

1. Loss of Life

The Principal Sum

2. Loss of Both Hands, Feet, or Eyes

The Principal Sum

3. Loss of one Hand and one Foot

The Principal Sum

4. Loss of either Hand or Foot

One Half Principal Sum

5. Loss of Sight of one Eye

One Half Principal Sum

6. Loss of Thumb and Index Finger of same Hand

One Half Principal Sum

Loss shall mean with regard to hand or foot, complete severance through or above the wrist or ankle joint, with regard to sight of eyes, entire and irrecoverable loss of sight; with regard to thumb and index finger, complete severance through or above metacarpophalangeal joint.

Subject to the terms of this endorsement the hazards insured against are all those to which the Member or Covered Person may be exposed to due to the Use Of A Weapon as defined in the Policy.

EXCLUSIONS

In addition to the Policy Exclusions, this endorsement does not cover any Accidental Death, Dismemberment or Loss of Sight loss incurred or resulting from the following:

Suicide or any attempt thereof by the Member or Covered Person, or self-destruction or any attempt thereof by the Member or Covered Person; or

Infections except phylogenic infections caused wholly by a covered injury; or

War or any act of war, or accident occurring while the Member or Covered Person is in the military, naval or air service of any country; or

Loss occurring while the Member or Covered Person is operating, or learning to operate, or performing duties as a member of the crew of any aircraft; or

Sickness or disease of any kind including surgical or medical treatment; or

The Member or Covered Person being intoxicated or under the influence of any narcotic unless administered on the advice of a physician and without warning against the Use Of A Weapon while under the influence of the narcotic; or

Hernia of any kind.

GENERAL PROVISIONS

The following provision is added to the Policy as follows:

The Insurer, at its own expense, shall have the right and opportunity to examine the Member or Covered Person whose injury is the basis of claim when and as often as it may reasonably require while a claim is pending hereunder and to make an autopsy in case of death where it is not forbidden by law.

Written notice of claim must be given to the Insurer within 20 days after the occurrence of any loss covered by this endorsement, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the Member or Covered Person to the Insurer at its Administrative Office in Jacksonville, Florida, with information sufficient to identify the Member or Covered Person shall be deemed notice to the Insurer.

Upon receipt of a written notice of claim, Insurer will furnish to the Member or Covered Person such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice the Member or Covered Person shall be deemed to have complied with the requirements of this endorsement as to proof of loss upon submitting, within the time fixed in this endorsement for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made.

Written proof of loss must be furnished to Insurer within 90 days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible.

Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed therein and effective at the time of the payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the Member or Covered Person. Any accrued indemnities unpaid at the Member or Covered Person’s death may, at the option of the Insurer, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the Member or Covered Person.

No action at law or in equity shall be brought to recover on the Policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this endorsement. No such action shall be brought after the expiration of three years after the time written proof of loss is required to be furnished.

Any provision of the Policy, which, on its effective date, is in conflict with the statutes of the state in which the Policy was issued, is hereby amended to conform to the minimum of such statues.

All other terms and conditions remain unchanged.

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HUNTING ACTIVITY ENDORSEMENT

SCHEDULE

Coverage

Hunting Activity Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and is shown on the Endorsement Schedule or Policy Declarations Page.

Exclusion V., c. of the Policy, is deleted and replaced with the following Legal Services Benefit:

Hunting Program Legal Representation Benefits:

A Member in good standing shall be entitled to coverage for the reasonable legal services of a Plan Attorney.

Benefits are limited to:

defense of any criminal charges, by a Plan Attorney, alleging a violation of the Illinois Wildlife Code (520 ILCS 5) and Illinois Administrative Code Title 17 as it pertains to Hunting Activity or fishing, against the Policy Holder;

defense of any criminal charges, by a Plan Attorney, alleging a violation of Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing; or

defense of any civil claims, by a Plan Attorney, brought against the Member and any Covered Person that arises as a direct result of his or her Hunting Activity or fishing.

All such legal representations shall be subject to the limitations and exclusions set forth below.

Hunting Activity – means, in addition to actual hunting, an event or occurrence involving:

the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and

the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: Plan Attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

at the time of the occurrence giving rise to a claim is engaged in a criminal act other than an offense , alleging a violation of the Illinois Wildlife Code (520 ILCS 5) and Illinois Administrative Code Title 17 as it pertains to Hunting Activity or fishing, against the Policy Holder, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity or fishing; or

at the time of the incident giving rise to a claim the Member or any Covered Person was not in lawful possession of the firearm; or

the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of a Member and any Covered Person: The provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in Policy. The provisions of this program shall only apply and be effective for incidents that occur within the State of Illinois.

This program is intended to provide the Member and any Covered Person with the reasonable legal services of a Plan Attorney. Nothing in this Hunting Activity Endorsement shall be construed or deemed to provide the Member or any Covered Person with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Member or Covered Person, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against the Member or Covered Person.

All other terms and conditions remain unchanged.

Indiana Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF INDIANA, LLC LEGAL SERVICE SUBSCRIPTION CONTRACT
LYNDON SOUTHERN INSURANCE COMPANY

Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

POLICY NUMBER: _____________________________

Insured:

Address:

City:

State:

Zip:

POLICY PERIOD:

Effective: _____________ From ________________ at 12: 01 A.M

FIREARMS LEGAL DEFENSE PROGRAM

DECLARATIONS

In consideration of the payment of premiums and subject to all of the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein to the person insured hereunder whose name is:
_______________________________________________________________________________________________________________

(herein called “Member”)

The rate of premium of this Policy per month per Member as defined in the Policy is: $________________

If the Member chooses to add coverage for their spouse as defined in the Policy, the rate of premium is: $_______________________

If the Member chooses to add coverage for their minor children as defined in the Policy, the rate of premium is: $____________________

If the Member chooses to add Multi-State Protection as defined in the Policy, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Accidental Death and Dismemberment, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Hunting Activity, the additional rate of premium is: $___________________

This Policy is subject to the laws of the jurisdiction that it is issued in.

The coverage afforded to the Member is only with respect to this Policy as indicated herein. The limit of the Company’s liability shall be as stated in this Policy.

The provisions in the following pages hereof form a part of this Policy are fully incorporated herein over the signatures appearing below.

EMERGENCY HOTLINE NUMBER: _________-_________-_________

In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Jacksonville, Florida on the Effective Date of this Policy.

Secretary

President

TABLE OF CONTENTS
I. INSURING AGREEMENT

Page 3

II. DEFINITIONS

Page 3

III. PARTIES TO THE POLICY

Page 4

IV. LEGAL SERVICES & BENEFITS

Page 4

V. LIMITATIONS & EXCLUSIONS

Page 5

VI. OPERATION & ADMINISTRATION OF PLAN

Page 5

VII. CANCELLATION OF PLAN & REINSTATMENT

Page 6

VIII. DUTIES OF MEMBERS

Page 7

IX. GENERAL PROVISIONS

Page 7

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

MEMBER POLICY
FIREARMS LEGAL DEFENSE PROGRAM

In consideration of the payment of premiums and subject to the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein.

INSURING AGREEMENT

Lyndon Southern Insurance Company will provide legal services to Members and Covered Persons who legally possess a weapon and has a Use Of A Weapon as determined herein in defense of themselves, other persons, or property.

Various provisions in this Policy restrict coverage.

Read the entire Policy carefully to determine rights, duties and what is and is not covered.

DEFINITIONS

Insurer — Lyndon Southern Insurance Company, [Administrative Office, 10151 Deerwood Park Blvd., Bldg. 100, Suite 500, Jacksonville, FL 32256]

Application — Means all signed applications for this Policy, including any attachments, addenda and other materials submitted in conjunction with the signed applications(s).

Covered Person — Means spouse and/or minor children with all premiums paid.

Plan Administrator — Business entity appointed by an Insurer to solicit applications, policyholder services and issue policies.

Member — Person who has submitted an Application, been accepted by the Insurer, and has paid all Premiums due.

Premium(s) — The amount paid for this Policy as described on the Declarations Page.

Plan Attorney — A licensed attorney contracted by the Insurer to provide legal services for the Member and Covered Persons under this Policy.

Policy — This agreement detailing the terms and conditions of this contract of insurance, which has entered into between the Insurer and Member.

Use Of A Weapon — Any incident where the Member or Covered Person either discharges or displays a weapon for the purpose of using the weapon to stop a threat. For purposes of this Policy, a weapon is defined as any firearm, including a handgun, electronic weapon or device, tear gas gun, knife or billie, or any other lawful weapon at their disposal. This term does not include taking the weapon to a location that is prohibited by federal, state or local law, or negligent or unintended displays.

PARTIES TO THE POLICY

This legal expense insurance Policy is administered by the Plan Administrator on behalf of the Insurer. The Plan Administrator shall provide Member or any Covered Persons with a Plan Attorney for any incident covered by this Policy. The Plan Attorney shall perform the legal services described herein.

Member or any Covered Person may receive benefits from the legal services provided by Insurer. The benefits provided under this Policy shall be available to the Member who has paid all Premiums due under the Policy. The legal services described herein shall be available to the Member who applies and pays the appropriate Premium under the Policy. The effective date of the legal services is the day of signup where the first payment is made by the Member. The term of this Policy is twelve (12) months from the effective date. The term of this Policy shall automatically be renewed for twelve (12) months on the anniversary of the effective date, unless the Policy is terminated by the Member or under the express terms of this Policy.

The legal services described herein shall be available to the Member’s minor children if Member tenders the applicable Premiums. Such services shall include protection to Member’s minor children, who shall become Covered Persons upon the payment of the appropriate Premiums. Effective date of the legal services for minor children is the day of signup where the first applicable Premium is paid by the Member.

LEGAL SERVICES & BENEFITS

The Premiums paid by the Member entitles the Covered Persons to the legal services described herein and provided by a Plan Attorney. These services may be used by calling Insurer on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Member, shown on the Declarations Page.

The legal representation provided by this Policy is provided for a Member or any Covered Person by an attorney in any criminal or civil procedure arising from an incident involving a Member or any Covered Person providing that:

Member or Covered Person is, in good standing having paid all applicable Premiums;

Member or Covered Person has a “Use Of A Weapon” in the Covered State as defined above; and

Use Of A Weapon is in a place within the Covered State where the Member or Covered Person is legally permitted to possess a weapon.

Legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This Policy provides no benefit for any incident that occurred prior to the effective date of the Policy or after its termination.

An emergency hotline is maintained and answered 24 hours a day for Member access to a Plan Attorney for legal advice immediately after Use Of A Weapon.

Member or Covered Person access to a Plan Attorney is provided for legal advice regarding carrying and use of weapons and to give on-going legal advice on general weapons law.

If the Member tenders the appropriate Premiums for Multi-State Protection provided by Insurer, the Member and any Covered Persons shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

If the Member tenders the appropriate Premiums to include protection for minor children, Member shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a Use Of A Weapon incident. Minor children are subject to the same limitations and exclusions provided herein.

The Member and Covered Person will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and the applicable emergency hotline telephone number.

LIMITATIONS & EXCLUSIONS

In order for a Member or Covered Person to receive the benefits described in this Policy, at the time of a Use Of A Weapon incident occurs, the Member or Covered Person must be:

in legal possession of a weapon, and

at the time of the Use Of A Weapon the Member must be in a location where Member or Covered Person could legally possess a weapon.

Insurer or Insurer’s Plan Attorney will have no obligations under this Policy to defend or represent a Member or Covered Person if at the time the Member or Covered Person uses his or her weapon, the Member or Covered Person was not in lawful possession of the weapon, or was in a location, without legal justification, where possession of a weapon is illegal under state, federal, or local law or expected or intended injury.

“Bodily injury” or “property damage”, expected or intended, from the standpoint of the Member or Covered Person. This exclusion does not apply to “bodily injury” resulting from the use of reasonable force to protect persons or property.

Costs And Fees Not Covered Under This Contract. This Policy covers all Plan Attorneys’ fees for a covered incident, however, it is expressly understood that any expenses or costs associated with court filing fees, sheriff fees for service of summons or process, deposition and discovery costs, fines, penalties, damages assessed, investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Member and paid directly by the Member. This Policy shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.

This Policy specifically excludes all Hunting Activities including but not limited to criminal charges alleging a violation of criminal hunting of Feral Swine and fishing.

This Policy specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Covered Person’s Use Of A Weapon.

This Policy specifically excludes legal representation in criminal or civil matters arising from the Covered Person’s possession of a weapon in violation of local, state, or federal laws or in the commission of any crime for which justification under state law is inapplicable.

This Policy specifically excludes providing legal representation by a Plan Attorney for any incident, criminal investigation or prosecution arising from the Use Of A Weapon by the Member or Covered Person against the Member or Covered Person’s current or former family member, household or dating relationship as defined in the state statutes or other applicable state law.

This Policy specifically excludes providing legal representation by a Plan Attorney for Members or Covered Persons who use a weapon in the scope of their employment, including but not limited to, a police officer, a peace officer, security guard or military personnel.

This Policy excludes all states except, the state listed on the Declarations Page. This exclusion does not apply if Multi State Coverage has been purchased and is shown on the Declarations Page.

OPERATION & ADMINISTRATION OF PLAN

The Plan is administered by Insurer who shall provide services for Members and Covered Persons whose premiums are current, through Plan Attorneys pursuant to a participating attorney’s contract with Insurer.

Insurer shall enter into contractual agreements with the Plan Attorneys to provide legal services to Member and Covered Persons. The Plan Attorneys shall be selected by Insurer for Members and Covered Persons. No Member or Covered Person is required to consult with or be represented by a Plan Attorney. Each Member and Covered Person is free to consult with any attorney of their choice about any matter, including matters covered by this Policy, at the Members or Covered Person’s sole expense. Member or Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract. Insurer will not pay attorney’s fees to any other attorney other than a Plan Attorney.

Insurer shall maintain complete control over all administrative procedures. Insurer may alter or amend the Policy upon the renewal date of the Member’s policy. Any changes to the Policy shall be made effective only upon renewal of the Policy and shall not act to deprive Member or Covered Person of any service to which they were entitled for matters pending at the time of the change. Member or Covered Person must be notified of any change 30 days in advance of the change.

No change in the Policy is valid until the change has been approved by an executive officer of Insurer and unless such change is endorsed or attached to the Policy. There is no modification of the Policy rates while it is in effect. Policy rates may be modified upon renewal of the Policy on the anniversary date of signup.

This Policy is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses unless expressly covered by this contract.

CANCELLATION OF POLICY & REINSTATEMENT

A Member may terminate the Policy by providing Insurer or Plan Administrator with written notice of the Member’s intent to terminate the Policy and the termination date requested.

Insurer may cancel a Policy by mailing a written notice of cancellation to the Member to the last known address according to the records of Insurer. Insurer must mail notice of cancellation before the 30th day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:

Conviction of a crime arising out of acts increasing the hazard insured against;

Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;

Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;

Changes in the loss exposure which increase the hazard insured against;

A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or

A material increase in the hazard insured against.

If Insurer cancels the Policy of Member due to nonpayment, Insurer must mail notice of cancellation before the tenth (10th) day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and that the Policy is being cancelled because of nonpayment.

The Policy will be reinstated, with full rights and benefits, provided the Policy is not terminated pursuant to subsection c(2) or c(3) above and provided the Member remits to Insurer all Premiums due to bring the Policy to a current status before the termination date.

In the event that the Member terminates their Policy for any reason, or has their membership cancelled, the legal services provided to the Member or any Covered Person shall be ended. If any Member or Covered Person has an active matter at the time of termination, the Plan Attorney shall complete the legal matter unless the Member or Covered Person does not desire to be further represented by the Plan Attorney involved in the matter, or by any other Plan Attorney.

In the event that a membership is terminated by either the Member or the Insurer, the Member shall be entitled to a refund of unearned Premiums on a [pro-rata basis]. However, any monthly premiums that have not been earned by the Insurer shall be returned to Member within 15 working days after the effective date of cancellation, as determined by post mark. Insurer need not return amounts less than [$5.00], unless specifically requested to do so by Member. Likewise, should Member discharge a Plan Attorney as to any active matter without terminating membership of the Policy, no refund of earned Premiums shall be due to the terminated Member.

DUTIES OF MEMBERS In the Event of A Claim

Member has a duty to notify the Insurer or Plan Administrator if a Use Of A Weapon occurs by the Member and any Covered Person, as soon as practicable.

Member and Covered Person shall:

Fully cooperate with Plan Attorney in a defense at any legal proceeding;

Attend any and all court dates, court hearings, and other official appearances in connection with the claims in an active matter; Keep all appointments with Plan Attorney and, if an expected event occurs that prevents keeping an appointment, the Member or Covered Person shall immediately notify Plan attorney if an appointment cannot be kept.

GENERAL PROVISIONS

The Insurer, as part of the implementation of this Policy, enters into agreements with Plan Attorneys who have agreed to provide services to the Members or Covered Persons under the conditions under each agreement. In none of these instances does the Insurer stand in the position of guarantor as to the honesty, proficiency, accuracy, or resourcefulness of the individual Plan Attorney or firm of Plan Attorney. Accordingly, if any Plan Attorney to whom a Member or Covered Person uses for a legal matter under this Policy performs or omits an act which may give rise to a claim for malpractice, the Member’s or Covered Person’s sole recourse will be against the individual Plan Attorney or Plan Attorney’s firm, that is handling that Member’s or Covered Person’s legal matter.

In the event of a complaint from a Member or Covered Person about a Plan Attorney, Insurer will attempt to resolve the complaint or to transfer the Member or Covered Person to another designated Plan Attorney. Before any such action is taken the Plan Attorney will be given an opportunity to resolve the problem. If the Insurer is unable to find a Plan Attorney willing to perform the services covered by this Policy or if the Plan Attorney is disqualified or otherwise unable to perform the services, the Insurer will select or appoint another Plan Attorney to provide the services to the Member or Covered Person.

In the event that Member or Covered Person should have a problem, complaint, or grievance concerning the legal services provided by the Plan Attorney, the Member or Covered Person may request a conference with the Plan Attorney and the Insurer by contacting the Insurer at the number indicated on the Declarations Page. The Member or Covered Person may request a conference with an impartial third party chosen by mutual agreement between Insurer and Member or Covered Person. A conference shall be held with Insurer, Plan Attorney, Member, Covered Person (if different from the Member) and the impartial third party in an effort to resolve the problem, complaint, or grievance.

Any and all complaints and grievances between any Member or Covered Person and Insurer or any of its affiliates and/or the Plan Attorney and/or any of its affiliates shall be submitted to binding arbitration in Duval County, Florida, pursuant to the terms and provisions of the American Arbitration Association.

Any Member or Covered Person has the right to file a grievance with the Bar Association concerning any Plan Attorney’s conduct. Nothing in this Policy shall be deemed to interfere with the Bar Association’s right to discipline attorneys for a violation of any Bar Association Canon or Rule addressing honesty, integrity, or fair dealing. The grievance resolution machinery addresses only disputes between the Insurer, Plan Attorney, Member or any Covered Person, involving issues including coverage other than legal ethics.

The obligation of the Plan Attorney in providing legal services under this Policy shall be solely to the Member or Covered Person. The Plan Attorney shall maintain the confidentiality of the attorney-client relationship in accordance with the Bar Rules and Codes of Professional Responsibility.

The Insurer may refuse to provide legal services under this Policy, if the Insurer or the Plan Attorney believes that the legal services are in the furtherance of a legal matter which is believed to be clearly frivolous, or which would violate the Bar Rules or Code of Professional Responsibility.

In the event that a Covered Person does not agree with the Plan Attorney’s advice or recommendations, the Plan Attorney may terminate the representation if done pursuant to the Bar Rules or Code of Professional Responsibility. Member or Covered Person may at all times retain counsel other than the Independent Plan Attorney provided under this Policy, however, Member and Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this Policy.

The Insurer is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Member or Covered Person seeks coverage under this Policy for a covered event under this Policy, then Member or Covered Person will have an attorney-client relationship solely with the Plan Attorney and there shall be no interference with that attorney-client relationship by the Insurer. Nothing in this Policy is intended to impair the ability of Member or Covered Person from addressing the conduct of a Plan Attorney with the State Bar Association. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by a Plan Attorney, are required by this Policy to be addressed solely with the Plan Attorney. Member and Covered Person acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this Policy, some owners or employees of Insurer may be licensed attorneys. Those attorneys who are also employees or owners of Insurer are NOT Plan Attorneys under this Policy, will not be providing legal services to Member or Covered Person, and will not have an attorney-client relationship with Member or Covered Person at any time.

There are no subrogation rights under this Policy.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Member or Covered Person by Insurer, Plan Administrator or Plan Attorney. It is further expressly agreed and understood that no other representations have been made to Member or Covered Person, except for those set out in this Policy.

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Accidental Death & Dismemberment Endorsement

SCHEDULE

Coverage

Accidental Death & Dismemberment Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and shown on the Endorsement Schedule or Policy Declarations Page.

This endorsement contains only the principal provisions relating to the coverage and payment of loss described herein. The insurance described is automatically terminated if the Policy is canceled as provided therein or if the person insured ceases to fall within the Member or Covered Person as stated in this endorsement.

Description of Member or Covered Person – As used herein, the Member or Covered Person means only the person(s) listed on the Policy Declarations Page as for whom the specific premium for this coverage is paid.

LIMIT OF LIABILITY

The principal sum, in limits ranging from [$1,000] to [$100,000] in increments of [$1,000] as selected by the Member or Covered Person indicated on the Policy Declarations Page.

Insurance applies only with respect to those coverages for which an amount is specified against loss resulting directly and independently of all other causes for accidental bodily injuries which arise out of the hazards described and are sustained by the Member or Covered Person during the term of the Policy, herein called injuries, to the extent herein provided.

The following description of Coverage’s and Provisions contain the principal provisions relating to coverage and payment of loss:

DEATH, DISMEMBERMENT OR LOSS OF SIGHT – If within ninety (90) days from the date of accident, such injuries shall result in death, dismemberment or loss of sight of the Member or Covered Person, the company will pay:

1. Loss of Life

The Principal Sum

2. Loss of Both Hands, Feet, or Eyes

The Principal Sum

3. Loss of one Hand and one Foot

The Principal Sum

4. Loss of either Hand or Foot

One Half Principal Sum

5. Loss of Sight of one Eye

One Half Principal Sum

6. Loss of Thumb and Index Finger of same Hand

One Half Principal Sum

Loss shall mean with regard to hand or foot, complete severance through or above the wrist or ankle joint, with regard to sight of eyes, entire and irrecoverable loss of sight; with regard to thumb and index finger, complete severance through or above metacarpophalangeal joint.

Subject to the terms of this endorsement the hazards insured against are all those to which the Member or Covered Person may be exposed to due to the Use Of A Weapon as defined in the Policy.

EXCLUSIONS

In addition to the Policy Exclusions, this endorsement does not cover any Accidental Death, Dismemberment or Loss of Sight loss incurred or resulting from the following:

Suicide or any attempt thereof by the Member or Covered Person, or self-destruction or any attempt thereof by the Member or Covered Person; or

Infections except phylogenic infections caused wholly by a covered injury; or

War or any act of war, or accident occurring while the Member or Covered Person is in the military, naval or air service of any country; or

Loss occurring while the Member or Covered Person is operating, or learning to operate, or performing duties as a member of the crew of any aircraft; or

Sickness or disease of any kind including surgical or medical treatment; or

The Member or Covered Person being intoxicated or under the influence of any narcotic unless administered on the advice of a physician and without warning against the Use Of A Weapon while under the influence of the narcotic; or

Hernia of any kind.

GENERAL PROVISIONS

The following provision is added to the Policy as follows:

The Insurer, at its own expense, shall have the right and opportunity to examine the Member or Covered Person whose injury is the basis of claim when and as often as it may reasonably require while a claim is pending hereunder and to make an autopsy in case of death where it is not forbidden by law.

Written notice of claim must be given to the Insurer within 20 days after the occurrence of any loss covered by this endorsement, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the Member or Covered Person to the Insurer at its Administrative Office in Jacksonville, Florida, with information sufficient to identify the Member or Covered Person shall be deemed notice to the Insurer.

Upon receipt of a written notice of claim, Insurer will furnish to the Member or Covered Person such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice the Member or Covered Person shall be deemed to have complied with the requirements of this endorsement as to proof of loss upon submitting, within the time fixed in this endorsement for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made.

Written proof of loss must be furnished to Insurer within 90 days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible.

Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed therein and effective at the time of the payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the Member or Covered Person. Any accrued indemnities unpaid at the Member or Covered Person’s death may, at the option of the Insurer, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the Member or Covered Person.

No action at law or in equity shall be brought to recover on the Policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this endorsement. No such action shall be brought after the expiration of three years after the time written proof of loss is required to be furnished.

Any provision of the Policy, which, on its effective date, is in conflict with the statutes of the state in which the Policy was issued, is hereby amended to conform to the minimum of such statues.

All other terms and conditions remain unchanged.

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HUNTING ACTIVITY ENDORSEMENT

SCHEDULE

Coverage

Hunting Activity Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and is shown on the Endorsement Schedule or Policy Declarations Page.

Exclusion V., c. of the Policy, is deleted and replaced with the following Legal Services Benefit:

Hunting Program Legal Representation Benefits:

A Member in good standing shall be entitled to coverage for the reasonable legal services of a Plan Attorney.

Benefits are limited to:

defense of any criminal charges, by a Plan Attorney, alleging a violation of the Indiana Code 14-22-10 Wildlife Regulation and Indiana Administrative Code Article 9 as it pertains to Hunting Activity or fishing, against the Policy Holder;

defense of any criminal charges, by a Plan Attorney, alleging a violation of Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing; or

defense of any civil claims, by a Plan Attorney, brought against the Member and any Covered Person that arises as a direct result of his or her Hunting Activity or fishing.

All such legal representations shall be subject to the limitations and exclusions set forth below.

Hunting Activity – means, in addition to actual hunting, an event or occurrence involving:

the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and

the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: Plan Attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

at the time of the occurrence giving rise to a claim is engaged in a criminal act other than an offense , alleging a violation of the Indiana Code 14-22-10 Wildlife Regulation and Indiana Administrative Code Article 9 as it pertains to Hunting Activity or fishing, against the Policy Holder, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity or fishing; or

at the time of the incident giving rise to a claim the Member or any Covered Person was not in lawful possession of the firearm; or

the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of a Member and any Covered Person: The provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in Policy. The provisions of this program shall only apply and be effective for incidents that occur within the State of Indiana.

This program is intended to provide the Member and any Covered Person with the reasonable legal services of a Plan Attorney. Nothing in this Hunting Activity Endorsement shall be construed or deemed to provide the Member or any Covered Person with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Member or Covered Person, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against the Member or Covered Person.

All other terms and conditions remain unchanged.

Kansas Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF KANSAS LEGAL SERVICE CONTRACT

Principal Office – 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

DEFINITIONS

“Independent Contracting Attorney” – An independent, third-party, licensed attorney that U.S. Law Shield of Kansas contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract. This definition shall apply throughout the entirety of this agreement. Any references herein to Contracting Attorney, Independent Contracting Attorney, attorney, program attorney, legal services, legal defense, and other similar terms shall refer to an independent, third-party, licensed attorney that U.S. Law Shield of Kansas contracts with to provide legal services for the Legal Service Contract Holder.

“Use of a Firearm or Other Lawful Weapon” – Any incident where the Legal Service Contract Holder either discharges or displays a firearm (or uses any other lawful weapon at their disposal, including accidental discharges) for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or otherwise actually uses the other lawful weapon or not. This term does not include taking the firearm or other weapon to a location that is prohibited by federal, state, or local law.

“Legal Service Contract” – The present agreement entered into between Legal Service Contract Holder and U.S. Law Shield of 0 for consideration and under which U.S. Law Shield of Kansas will obtain legal services for the Legal Service Contract Holder through an Independent Contracting Attorney.

“Legal Service Contract Holder” – Person who purchased the U.S. Law Shield of Kansas Legal Service Contract.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield of Kansas who shall provide Legal Service Contract Holders with an Independent Contracting Attorney for any incident covered by this Legal Service Contract. U.S. Law Shield of Kansas shall offer the Legal Service Contract in the State of Kansas. The Independent Contracting Attorney shall perform the legal services described herein.

The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of Kansas. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

The person whose name is on the front of this guide is the sales representative who sold or solicited this Legal Service Contract on behalf of U.S. Law Shield of Kansas.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup when the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is lawfully terminated pursuant to the terms of this agreement.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependents is the day of signup where the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by an Independent Contracting Attorney and these services may be utilized by calling U.S. Law Shield of Kansas on the business telephone numbers provided on membership cards, or, in case of emergency, the 24/7 shooting hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an Independent Contracting Attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of Kansas where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction. It shall not include appeals of a trial court’s judgment to a court of appeals. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination.

An emergency hotline is maintained and answered 24 hours a day for any Legal Service Contract Holder.

Upon request, an Independent Contracting Attorney is provided for legal advice regarding the use and carrying of firearms and other lawful weapons.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of Kansas, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits provided herein and is subject to the limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of Firearm or Other Lawful Weapon.” Minor children are subject to the same limitations and exclusions provided herein.

Legal Service Contract Holder shall receive all of the preceding benefits from Independent Contracting Attorney regardless of payments, performance, consideration, the solvency or continued operations of U.S. Law Shield of Kansas. Independent Contracting Attorney shall be responsible for providing services whether or not U.S. Law Shield becomes bankrupt or otherwise ceases to function in the anticipated manner. There is no indemnification contracted for by either the administrative unit or the providers of the plan for services or risk contingencies performed by any other entity outside the closed panel.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Service Contract.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Services Contract, at the time a use of a firearm or other lawful weapon incident occurs, the Legal Service Contract Holder must be in legal possession of the firearm or other lawful weapon, and at the time of the use of the firearm or other lawful weapon, the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm or the other lawful weapon.

Neither U.S. Law Shield of Kansas, nor U.S. Law Shield of Kansas’s Independent Contracting Attorneys will have any obligation under this contract to provide coverage to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm or other lawful weapon, the Legal Service Contract Holder was not in lawful possession of the firearm or other lawful weapon, or was in a location, without legal justification, where possession of a firearm or other lawful weapon is illegal under state, federal, or local law.

This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Service Contract Holder’s use of a firearm or other lawful weapon for which justification is available as a defense.

This Legal Service Contract specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm or other lawful weapon, if at the time of the use of the firearm or other lawful weapon, Legal Service Contract Holder was in the commission of any crime using their firearm or other lawful weapon for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Contract specifically excludes providing legal representation from an Independent Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm or other lawful weapon by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship as defined in applicable state law.

TRANSFERABILITY AND REIMBURSEMENT

The Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION OF CONTRACT & REINSTATEMENT

Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of Kansas with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.

If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Contract is void and U.S. Law Shield of Kansas shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

U.S. Law Shield of Kansas may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder to the last known address according to the records of U.S. Law Shield of Kansas. U.S. Law Shield of Kansas must mail notice before the fifth day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

U.S. Law Shield of Kansas is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:

Nonpayment;

A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of Kansas;

A substantial breach of a duty by the Legal Service Contract Holder; or

Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of Kansas.

There shall be a grace period of 31 Days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated pursuant to subsection D(ii) or D(iii) above and provided the Legal Contract Holder remits to U.S. Law Shield of Kansas within a 31 day period all fees necessary to pay the Legal Service Contract to a current status and provided no use of a firearm or other lawful weapon has occurred during such period.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of Kansas if a use of a firearm or other lawful weapon occurs by the Legal Services Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with Independent Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter.

It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Kansas and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of Kansas if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of Kansas of all changes in his or her address or telephone number.

Request for legal services shall be initiated by calling U.S. Law Shield of New Jersey’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@uslawshield.com.

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses’ attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Services Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including, but not limited to, witness fees, witness travel expenses, and/or lodging, and shall not cover court costs, bonds and expenses related to appeals, records and transcripts.

It is expressly understood that any expenses associated with an appeal taken to the Court of Appeals or the Supreme Court, petition for discretionary review to the Supreme Court, or any other form of appellate review, whether in state or federal court, is not covered by this Legal Service Contract.

No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of Kansas and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup.

Marketing/Advertising/Promotional Fees. Legal Service Contract Holder acknowledges and agrees that one or more third-parties may receive compensation in connection with the marketing, sale or advertising of this Legal Service Contract, including marketing or advertising fees, salaries, contract payments, facility lease payments, commissions and/or passive commissions as authorized by applicable statutes, laws and rules.

Resolution of Disputes. Any and all complaints, claims, causes of action, suits, disputes or any other legal assertions between the Legal Service Contract Holder and U.S. Law Shield of Kansas or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in Harris County, Texas, pursuant to the terms and provisions of the American Arbitration Association. Legal Service Contract Holder expressly waives the right to proceed with any legal action, other than on an individual basis in an arbitration proceeding described herein. Legal Service Contract Holder specifically waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis.

Independence of Contracting Attorneys. U.S. Law Shield of Kansas is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Legal Service Contract Holder seeks coverage under this agreement for a covered event under this contract, then Legal Service Contract Holder will have an attorney-client relationship solely with the Independent Contracting Attorney and there shall be no interference with that attorney-client relationship by U.S. Law Shield of Kansas. Nothing in this contract is intended to impair the ability of Legal Service Contract Holder from addressing the conduct of a Contracting Attorney with the State Bar of Kansas. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by an Independent Contracting Attorney, are required by this contract to be addressed solely with the Independent Contracting Attorney. Legal Service Contract Holder acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this contract, some owners or employees of U.S. Law Shield of Kansas may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Kansas are NOT Contracting Attorneys under this agreement, will not be providing legal services to Legal Service Contract Holder, and will not have an attorney-client relationship with Legal Service Contract Holder at any time.

Legal Service Contract Holder may at all times retain counsel different than the Independent Contracting Attorney provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights – There are no subrogation rights under this Legal Services Contract.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by U.S. Law Shield of Kansas or Independent Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this contract.

U.S. Law Shield of Georgia, LLC offers a legal service plan in the State of Kansas. This Legal Service Contract is not an insurance contract.

LEGAL SERVICES CONTRACT PRICING
Legal Service Contract Price

Individual: $131.40/year or $10.95/month

Couples: $240.00/year or $10.95/month + $10.95/month ($21.90/month)

Optional Coverage

Multi State Coverage Per Person: $35.40/year or $2.95/month

Minor Children: $24.00/year or $2.00/month

Hunter Shield: $35.40/year or $2.95/month

*New Legal Service Contract Holder Packet, $19.95, is a one-time, per member fee at sign up.

Optional Kansas Hunting Activity Program Addendum
Kansas Hunting and Sporting Activity Program Option

U.S. Law Shield of Kansas, offers for separate consideration a Hunting Activity program (the “Hunting Program”) as an optional legal service plan that may be added to the U.S. Law Shield of Kansas Firearms Legal Defense Program. The legal services described herein are only available to a U.S. Law Shield of Kansas Legal Service Contract Holder who elects to add this optional service for separate and additional consideration to their U.S. Law Shield of Kansas Firearms Legal Defense Program. In addition to the benefits provided in the U.S. Law Shield of Kansas Firearms Legal Defense Program, the Legal Service Contract Holder who selects and pays separate and additional consideration for the Hunting Program shall receive the Hunting Program Legal Representation Benefits outlined below.

Hunting Program Legal Representation Benefits: If the Legal Service Contract Holder tenders separate consideration for the Hunting Program, a Legal Service Contract Holder in good standing shall be entitled to coverage for the reasonable legal services of an independent program attorney selected and provided by U.S. Law Shield of Kansas at no charge. Such benefits are limited to:

1) defense of any criminal charges (by an independent program attorney) alleging a violation of Chapter 32 of the Kansas Statutes, Kansas Statute 21-5810 Criminal Hunting, or Kansas Statute 47-1809 Feral Swine; prohibited acts related to such swine; penalties; appeals; destruction of such swine, as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder;

2) defense of any criminal charges (by an independent program attorney) alleging a violation of Title 16 of the U.S. Code, or Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder; or

3) defense of any civil claims (by an independent program attorney) brought against the Legal Service Contract Holder that arises as a direct result of his or her Hunting Activity or fishing in Kansas.

All such legal representations shall be subject to the limitations and exclusions set forth below.

“Hunting Activity” – Hunting Activity shall mean, in addition to actual hunting, an event or occurrence within the State of Kansas involving: 1) the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and 2) the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: U.S. Law Shield of Kansas or U.S. Law Shield of Kansas’ independent program attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

1) at the time of the occurrence giving rise to a claim the Legal Service Contract Holder is engaged in a criminal act other than an offense alleging a violation of Chapter 32 of the Kansas Statutes, Kansas Statute 21-5810 Criminal Hunting, or Kansas Statute 47-1809 Feral Swine; prohibited acts related to such swine; penalties; appeals; destruction of such swine, or Title 16 of the U.S. Code, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity or fishing;

2) at the time of the incident giving rise to a claim the Legal Service Contract Holder was not in lawful possession of the firearm, or was not within the borders of the State of Kansas; or

3) the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of Legal Service Contract Holder: the provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in the U.S. Law Shield of Kansas Legal Service Contract. The provisions of this program shall only apply and be effective for incidents that occur within the State of Kansas.

This program is intended to provide the Legal Service Contract Holder with the reasonable legal services of an independent program attorney. Nothing in this Hunting Activity Program shall be construed or deemed to provide Legal Service Contract Holder with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Legal Service Contract Holder, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against Legal Service Contract Holder.

Kentucky Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF KENTUCKY LEGAL SERVICE CONTRACT

Principal Office – 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

DEFINITIONS

“Independent Contracting Attorney” – An independent, third-party, licensed attorney that U.S. Law Shield of Kentucky, LLC contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract. This definition shall apply throughout the entirety of this agreement. Any references herein to Contracting Attorney, Independent Contracting Attorney, attorney, program attorney, legal services, legal defense, and other similar terms shall refer to an independent, third-party, licensed attorney that U.S. Law Shield of Kentucky, LLC contracts with to provide legal services for the Legal Service Contract Holder.

“Use of a Firearm” or “Other Lawful Weapon” – Any incident where the Legal Service Contract Holder either discharges or displays a firearm (or uses any other lawful weapon at their disposal, including accidental discharges) for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or otherwise actually uses the other lawful weapon or not. This term does not include taking a firearm or other lawful weapon to a location that is prohibited by federal, state, or local law.

“Legal Service Contract” – The present agreement entered into between Legal Service Contract Holder and U.S. Law Shield of Kentucky, LLC for consideration and under which U.S. Law Shield of Kentucky, LLC will obtain legal services for the Legal Service Contract Holder through an Independent Contracting Attorney.

“Legal Service Contract Holder” – Person who purchased the U.S. Law Shield of Kentucky, LLC Legal Service Contract.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield of Kentucky, LLC who shall provide Legal Service Contract Holders with an Independent Contracting Attorney for any incident covered by this Legal Service Contract. U.S. Law Shield of Kentucky, LLC shall offer the Legal Service Contract in the State of Kentucky. The Independent Contracting Attorney shall perform the legal services described herein.

The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of Kentucky, LLC. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

_____________________, is the sales representative who sold or solicited this Legal Service Contract on behalf of U.S. Law Shield of Kentucky, LLC.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup where the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is lawfully terminated pursuant to the terms of this agreement.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependents is the day of signup where the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by an Independent Contracting Attorney and these services may be utilized by calling U.S. Law Shield of Kentucky, LLC on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 emergency hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an independent contracting attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of Kentucky where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination.

An emergency hotline is maintained and answered 24 hours a day for any Legal Service Contract Holder.

Upon request, an Independent Contracting Attorney is provided for legal advice regarding the use and carrying of firearms.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of Kentucky, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits described herein and is subject to the limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of a Firearm or Other Lawful Weapon.” Minor children are subject to the same limitations and exclusions provided herein.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Service Contract.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Services Contract, at the time of a use of a firearm or other lawful weapon incident occurs, the Legal Service Contract Holder must be in legal possession of a firearm or in legal possession of the other lawful weapon, and at the time of the use of a firearm or other lawful weapon the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm or the other lawful weapon.

Neither U.S. Law Shield of Kentucky LLC, nor any of U.S. Law Shield of Kentucky LLC’s Independent Contracting Attorneys will have an obligation under this contract to provide coverage to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm or other lawful weapon, the Legal Service Contract Holder was not in lawful possession of the firearm or other lawful weapon, or was in a location, without legal justification, where possession of a firearm or other lawful weapon is illegal under state, federal, or local law.

This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Service Contract Holder’s use of a firearm or other lawful weapon for which justification is available as a defense.

This Legal Service Contract specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm or other lawful weapon, if at the time of the use of the firearm or other lawful weapon; Legal Service Contract Holder was in the commission of any crime for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Contract specifically excludes providing legal representation from an Independent Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm or other lawful weapon by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship as defined in applicable state law.

TRANSFERABILITY & REIMBURSEMENT

This Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION OF CONTRACT & REINSTATEMENT

A Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of Kentucky, LLC with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.

If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Contract is void and U.S. Law Shield of Kentucky, LLC shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

U.S. Law Shield of Kentucky, LLC may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder to the last known address according to the records of U.S. Law Shield of Kentucky, LLC. U.S. Law Shield of Kentucky LLC must mail notice before the fifth day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

U.S. Law Shield of Kentucky, LLC is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:

Nonpayment;

A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of Kentucky, LLC;

A substantial breach of a duty by the Legal Service Contract Holder; or

Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of Kentucky, LLC.

There shall be a grace period of 31 Days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated pursuant to subsection D(ii) or D(iii) above and provided the Legal Contract Holder remits to U.S. Law Shield of Kentucky, LLC within a 31 day period all fees necessary to pay the Legal Service Contract to a current status, and provided no use of a firearm or other weapon has occurred during such 31 day period.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of Kentucky, LLC if a use of a firearm or other lawful weapon occurs by the Legal Service Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with any Independent Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter.

It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Kentucky, LLC and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of Kentucky, LLC if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of Kentucky, LLC of all changes in his or her address or telephone number.

Request for legal services shall be initiated by calling U.S. Law Shield of Kentucky, LLC’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@uslawshield.com

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Service Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.

No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of Kentucky, LLC and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup.

Marketing/Advertising/Promotional Fees. Legal Service Contract Holder acknowledges and agrees that one or more third-parties may receive compensation in connection with the marketing, sale or advertising of this Legal Service Contract, including marketing or advertising fees, salaries, contract payments, facility lease payments, commissions and/or passive commissions as authorized by applicable statutes, laws and rules.

Resolution of Disputes. Any and all complaints, claims, causes of action, suits, disputes or any other legal assertions between the Legal Service Contract Holder and U.S. Law Shield of Kentucky, LLC or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in Harris County, Kentucky, pursuant to the terms and provisions of the American Arbitration Association. Legal Service Contract Holder expressly waives the right to proceed with any legal action, other than on an individual basis in an arbitration proceeding described herein. Legal Service Contract Holder specifically waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis.

Independence of Contracting Attorneys. U.S. Law Shield of Kentucky, LLC is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Legal Service Contract Holder seeks coverage under this agreement for a covered event under this contract, then Legal Service Contract Holder will have an attorney-client relationship solely with the Contracting Attorney and there shall be no interference with that attorney-client relationship by U.S. Law Shield of Kentucky, LLC. Nothing in this contract is intended to impair the ability of Legal Service Contract Holder from addressing the conduct of a Contracting Attorney with the State Bar of Kentucky. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by a Contracting Attorney, are required by this contract to be addressed solely with the Contracting Attorney. Legal Service Contract Holder acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this contract, some owners or employees of U.S. Law Shield of Kentucky, LLC may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Kentucky, LLC are NOT Contracting Attorneys under this agreement, will not be providing legal services to Legal Service Contract Holder, and will not have an attorney-client relationship with Legal Service Contract Holder at any time.

Legal Service Contract Holder may at all times retain counsel other than the Independent Contract Attorney provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights – There are no subrogation rights under this Legal Services Contract.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by U.S. Law Shield of Kentucky, LLC or Independent Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this contract.

This Legal Service Contract is not an insurance contract.

LEGAL SERVICES CONTRACT PRICING
Legal Service Contract Price

Individual: $131.40/year or $10.95/month

Couples: $240.00/year or $10.95/month + $10.95/month ($21.90/month)

Optional Coverage

Multi State Coverage Per Person: $35.40/year or $2.95/month

Minor Children: $24.00/year or $2.00/month

Hunter Shield: $35.40/year or $2.95/month

*New Legal Service Contract Holder Packet, $19.95, is a one-time, per member fee at sign up.

Optional Kentucky Hunting Activity Program Addendum
Kentucky Hunting and Sporting Activity Program Option

U.S. Law Shield of Kentucky, LLC, offers for separate consideration a Hunting Activity program (the “Hunting Program”) as an optional legal service plan that may be added to the U.S. Law Shield of Kentucky Firearms Legal Defense Program. The legal services described herein are only available to a U.S. Law Shield of Kentucky Legal Service Contract Holder who elects to add this optional service for separate and additional consideration to their U.S. Law Shield of Kentucky Firearms Legal Defense Program. In addition to the benefits provided in the U.S. Law Shield of Kentucky Firearms Legal Defense Program, the Legal Service Contract Holder who selects and pays separate and additional consideration for the Hunting Program shall receive the Hunting Program Legal Representation Benefits outlined below.

Hunting Program Legal Representation Benefits: If the Legal Service Contract Holder tenders separate consideration for the Hunting Program, a Legal Service Contract Holder in good standing shall be entitled to coverage for the reasonable legal services of an independent program attorney selected and provided by U.S. Law Shield of Kentucky, LLC, at no charge. Such benefits are limited to:

1) defense of any criminal charges (by an independent program attorney) alleging a violation of the Fish and Wildlife Resources Code of Kentucky, as it pertains to Hunting Activity or fishing, against the Legal Service Contract Holder;

2) defense of any criminal charges (by an independent program attorney) alleging a violation of Title 16 of the U.S. Code, or Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder; or

3) defense of any civil claims (by an independent program attorney) brought against the Legal Service Contract Holder that arises as a direct result of his or her Hunting Activity or fishing in Kentucky.

All such legal representations shall be subject to the limitations and exclusions set forth below.

“Hunting Activity” – Hunting Activity shall mean, in addition to actual hunting, an event or occurrence within the State of Kentucky involving: 1) the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and 2) the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: U.S. Law Shield of Kentucky, LLC or U.S. Law Shield of Kentucky, LLC’s independent program attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

1) at the time of the occurrence giving rise to a claim the Legal Service Contract Holder is engaged in a criminal act other than an offense alleging a violation of the Fish and Wildlife Resources Code of Kentucky, as it relates to Hunting Activity or fishing;

2) at the time of the incident giving rise to a claim the Legal Service Contract Holder was not in lawful possession of the firearm, or was not within the borders of the State of Kentucky; or

3) the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of Legal Service Contract Holder: the provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in the U.S. Law Shield of Kentucky, LLC, Legal Service Contract. The provisions of this program shall only apply and be effective for incidents that occur within the State of Kentucky.

This program is intended to provide the Legal Service Contract Holder with the reasonable legal services of an independent program attorney. Nothing in this Hunting Activity Program shall be construed or deemed to provide Legal Service Contract Holder with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Legal Service Contract Holder, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against Legal Service Contract Holder.

Louisiana Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF LOUISIANA, LLC LEGAL SERVICE CONTRACT
LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

POLICY NUMBER: _____________________________

Insured:

Address:

City:

State:

Zip:

POLICY PERIOD:

Effective: _____________ From ________________ at 12: 01 A.M

FIREARMS LEGAL DEFENSE PROGRAM

DECLARATIONS

In consideration of the payment of premiums and subject to all of the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein to the person insured here under whose name is:
_______________________________________________________________________________________________________________

(herein called “Member”)

The rate of premium of this Policy per month per Member as defined in the Policy is: $________________

If the Member chooses to add coverage for their spouse as defined in the Policy, the rate of premium is: $_______________________

If the Member chooses to add coverage for their minor children as defined in the Policy, the rate of premium is: $____________________

If the Member chooses to add Multi-State Protection as defined in the Policy, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Accidental Death and Dismemberment, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Hunting Activity, the additional rate of premium is: $___________________

This Policy is subject to the laws of the jurisdiction that it is issued in.

The coverage afforded to the Member is only with respect to this Policy as indicated herein. The limit of the Company’s liability shall be as stated in this Policy.

The provisions in the following pages hereof form a part of this Policy are fully incorporated herein over the signatures appearing below.

In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Jacksonville, Florida on the Effective Date of this Policy.

Signed at Our Administrative Office.

Secretary

President

TABLE OF CONTENTS
I. INSURING AGREEMENT

Page 3

II. DEFINITIONS

Page 3

III. PARTIES TO THE POLICY

Page 4

IV. LEGAL SERVICES & BENEFITS

Page 4

V. LIMITATIONS & EXCLUSIONS

Page 5

VI. OPERATION & ADMINISTRATION OF PLAN

Page 5

VII. CANCELLATION OF PLAN & REINSTATMENT

Page 6

VIII. DUTIES OF MEMBERS

Page 7

IX. GENERAL PROVISIONS

Page 7

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

MEMBER POLICY
FIREARMS LEGAL DEFENSE PROGRAM

In consideration of the payment of premiums and subject to the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein.

INSURING AGREEMENT

Lyndon Southern Insurance Company will provide legal services to Members and Covered Persons who legally possess a weapon and has a Use Of A Weapon as determined herein in defense of themselves, other persons, or property.

Various provisions in this Policy restrict coverage.
Read the entire Policy carefully to determine rights, duties and what is and is not covered.

DEFINITIONS

Insurer – Lyndon Southern Insurance Company,[Administrative Office, 10151 Deerwood Park Blvd., Bldg. 100, Suite 500, Jacksonville, FL 32256

Application – Means all signed applications for this Policy, including any attachments, addenda and other materials submitted in conjunction with the signed applications(s).

Covered Person – Means spouse and/or minor children with all premiums paid.

Plan Administrator – Business entity appointed by an Insurer to solicit applications, policyholder services and issue policies.

Member – Person who has submitted an Application, been accepted by the Insurer, and has paid all Premiums due.

Premium(s) – The amount paid for this Policy as described on the Declarations Page.

Plan Attorney – A licensed attorney contracted by the Insurer to provide legal services for the Member and Covered Persons under this Policy.

Policy – This agreement detailing the terms and conditions of this contract of insurance, which has entered into between the Insurer and Member.

Use Of A Weapon – Any incident where the Member or Covered Person either discharges or displays a weapon for the purpose of using the weapon to stop a threat. For purposes of this Policy, a weapon is defined as any firearm, including a handgun, electronic weapon or device, tear gas gun, knife or billie, or any other lawful weapon at their disposal. This term does not include taking the weapon to a location that is prohibited by federal, state or local law, negligent or unintended discharges, or negligent or unintended displays.

PARTIES TO THE POLICY

This legal expense insurance Policy is administered by the Plan Administrator on behalf of the Insurer. The Plan Administrator shall provide Member or any Covered Persons with a Plan Attorney for any incident covered by this Policy. The Plan Attorney shall perform the legal services described herein.

Member or any Covered Person may receive benefits from the legal services provided by Insurer. The benefits provided under this Policy shall be available to the Member who has paid all Premiums due under the Policy. The legal services described herein shall be available to the Member who applies and pays the appropriate Premium under the Policy. The effective date of the legal services is the day of signup where the first payment is made by the Member. The term of this Policy is twelve (12) months from the effective date. The term of this Policy shall automatically be renewed for twelve (12) months on the anniversary of the effective date, unless the Policy is terminated by the Member or under the express terms of this Policy.

The legal services described herein shall be available to the Member’s minor children if Member tenders the applicable Premiums. Such services shall include protection to Member’s minor children, who shall become Covered Persons upon the payment of the appropriate Premiums. Effective date of the legal services for minor children is the day of signup where the first applicable Premium is paid by the Member.

LEGAL SERVICES & BENEFITS

The Premiums paid by the Member entitles the Covered Persons to the legal services described herein and provided by a Plan Attorney. These services may be used by calling Insurer on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Member, shown on the Declarations Page.

The legal representation provided by this Policy is provided for a Member or any Covered Person by an attorney in any criminal or civil procedure arising from an incident involving a Member or any Covered Person providing that:

Member or Covered Person is, in good standing having paid all applicable Premiums;

Member or Covered Person has a “Use Of A Weapon” as defined above; and

Use Of A Weapon is in a place within the State where the Member or Covered Person is legally permitted to possess a weapon.

Legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This Policy provides no benefit for any incident that occurred prior to the effective date of the Policy or after its termination.

An emergency hotline is maintained and answered 24 hours a day for Member access to a Plan Attorney for legal advice immediately after Use Of A Weapon.

Member or Covered Person access to a Plan Attorney is provided for legal advice regarding carrying and use of weapons and to give on-going legal advice on general weapons law.

If the Member tenders the appropriate Premiums for Multi-State Protection provided by Insurer, the Member and any Covered Persons shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

If the Member tenders the appropriate Premiums to include protection for minor children, Member shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a Use Of A Weapon incident. Minor children are subject to the same limitations and exclusions provided herein.

The Member and Covered Person will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and the applicable emergency hotline telephone number.

LIMITATIONS & EXCLUSIONS

In order for a Member or Covered Person to receive the benefits described in this Policy, at the time of a Use Of A Weapon incident occurs, the Member or Covered Person must be:

in legal possession of a weapon, and

at the time of the Use Of A Weapon the Member must be in a location where Member or Covered Person could legally possess a weapon.

Insurer or Insurer’s Plan Attorney will have no obligations under this Policy to defend or represent a Member or Covered Person if at the time the Member or Covered Person uses his or her weapon, the Member or Covered Person was not in lawful possession of the weapon, or was in a location, without legal justification, where possession of a weapon is illegal under state, federal, or local law or expected or intended injury.

“Bodily injury” or “property damage”, expected or intended, from the standpoint of the Member or Covered Person. This exclusion does not apply to “bodily injury” resulting from the use of reasonable force to protect persons or property.

Costs And Fees Not Covered Under This Contract. This Policy covers all Plan Attorneys’ fees for a covered incident, however, it is expressly understood that any expenses or costs associated with court filing fees, sheriff fees for service of summons or process, deposition and discovery costs, fines, penalties, damages assessed, investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Member and paid directly by the Member. This Policy shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.

This Policy specifically excludes all Hunting Activities including but not limited to criminal charges alleging a violation of criminal hunting of Feral Swine and fishing.

This Policy specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Covered Person’s Use Of A Weapon.

This Policy specifically excludes legal representation in criminal or civil matters arising from the Covered Person’s possession of a weapon in violation of local, state, or federal laws or in the commission of any crime for which justification under state law is inapplicable.

This Policy specifically excludes providing legal representation by a Plan Attorney for any incident, criminal investigation or prosecution arising from the Use Of A Weapon by the Member or Covered Person against the Member or Covered Person’s current or former family member, household or dating relationship as defined in the state statutes or other applicable state law.

OPERATION & ADMINISTRATION OF PLAN

The Plan is administered by Insurer who shall provide services for Members and Covered Persons whose premiums are current, through Plan Attorneys pursuant to a participating attorney’s contract with Insurer.

Insurer shall enter into contractual agreements with the Plan Attorneys to provide legal services to Member and Covered Persons. The Plan Attorneys shall be selected by Insurer for Members and Covered Persons. No Member or Covered Person is required to consult with or be represented by a Plan Attorney. Each Member and Covered Person is free to consult with any attorney of their choice about any matter, including matters covered by this Policy, at the Members or Covered Person’s sole expense. Member or Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract. Insurer will not pay attorney’s fees to any other attorney other than a Plan Attorney.

Insurer shall maintain complete control over all administrative procedures. Insurer may alter or amend the Policy upon the renewal date of the Member’s policy. Any changes to the Policy shall be made effective only upon renewal of the Policy and shall not act to deprive Member or Covered Person of any service to which they were entitled for matters pending at the time of the change. Member or Covered Person must be notified of any change 30 days in advance of the change.

No change in the Policy is valid until the change has been approved by an executive officer of Insurer and unless such change is endorsed or attached to the Policy. There is no modification of the Policy rates while it is in effect. Policy rates may be modified upon renewal of the Policy on the anniversary date of signup.

This Policy is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses unless expressly covered by this contract.

CANCELLATION OF POLICY & REINSTATEMENT

A Member may terminate the Policy by providing Insurer or Plan Administrator with written notice of the Member’s intent to terminate the Policy and the termination date requested.

Insurer may cancel a Policy by mailing a written notice of cancellation to the Member to the last known address according to the records of Insurer. Insurer must mail notice of cancellation before the 30th day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:

Conviction of a crime arising out of acts increasing the hazard insured against;

Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;

Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;

Changes in the loss exposure which increase the hazard insured against;

A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or

A material increase in the hazard insured against.

If Insurer cancels the Policy of Member due to nonpayment, Insurer must mail notice of cancellation before the tenth (10th) day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and that the Policy is being cancelled because of nonpayment.

The Policy will be reinstated, with full rights and benefits, provided the Policy is not terminated pursuant to subsection c(2) or c(3) above and provided the Member remits to Insurer all Premiums due to bring the Policy to a current status before the termination date.

In the event that the Member terminates their Policy for any reason, or has their membership cancelled, the legal services provided to the Member or any Covered Person shall be ended. If any Member or Covered Person has an active matter at the time of termination, the Plan Attorney shall complete the legal matter unless the Member or Covered Person does not desire to be further represented by the Plan Attorney involved in the matter, or by any other Plan Attorney.

In the event that a membership is terminated by either the Member or the Insurer, the Member shall be entitled to a refund of unearned Premiums on a [pro-rata basis]. However, any monthly premiums that have not been earned by the Insurer shall be returned to Member within 15 working days after the effective date of cancellation, as determined by post mark. Insurer need not return amounts less than [$5.00], unless specifically requested to do so by Member. Likewise, should Member discharge a Plan Attorney as to any active matter without terminating membership of the Policy, no refund of earned Premiums shall be due to the terminated Member.

DUTIES OF MEMBERS In the Event of A Claim

Member has a duty to notify the Insurer or Plan Administrator if a Use Of A Weapon occurs by the Member and any Covered Person, as soon as practicable.

A Member and Covered Person shall:

Fully cooperate with Plan Attorney in a defense at any legal proceeding;

Attend any and all court dates, court hearings, and other official appearances in connection with the claims in an active matter; Keep all appointments with Plan Attorney and, if an expected event occurs that prevents keeping an appointment, the Member or Covered Person shall immediately notify Plan attorney if an appointment cannot be kept.

GENERAL PROVISIONS

The Insurer, as part of the implementation of this Policy, enters into agreements with Plan Attorneys who have agreed to provide services to the Members or Covered Persons under the conditions under each agreement. In none of these instances does the Insurer stand in the position of guarantor as to the honesty, proficiency, accuracy, or resourcefulness of the individual Plan Attorney or firm of Plan Attorney. Accordingly, if any Plan Attorney to whom a Member or Covered Person uses for a legal matter under this Policy performs or omits an act which may give rise to a claim for malpractice, the Member’s or Covered Person’s sole recourse will be against the individual Plan Attorney or Plan Attorney’s firm, that is handling that Member’s or Covered Person’s legal matter.

In the event of a complaint from a Member or Covered Person about a Plan Attorney, Insurer will attempt to resolve the complaint or to transfer the Member or Covered Person to another designated Plan Attorney. Before any such action is taken the Plan Attorney will be given an opportunity to resolve the problem. If the Insurer is unable to find a Plan Attorney willing to perform the services covered by this Policy or if the Plan Attorney is disqualified or otherwise unable to perform the services, the Insurer will select or appoint another Plan Attorney to provide the services to the Member or Covered Person.

In the event that Member or Covered Person should have a problem, complaint, or grievance concerning the legal services provided by the Plan Attorney, the Member or Covered Person may request a conference with the Plan Attorney and the Insurer by contacting the Insurer at the number indicated on the Declarations Page. The Member or Covered Person may request a conference with an impartial third party chosen by mutual agreement between Insurer and Member or Covered Person. A conference shall be held with Insurer, Plan Attorney, Member, Covered Person (if different from the Member) and the impartial third party in an effort to resolve the problem, complaint, or grievance.

Any and all complaints and grievances between any Member or Covered Person and Insurer or any of its affiliates and/or the Plan Attorney and/or any of its affiliates shall be submitted to binding arbitration in Duval County, Florida, pursuant to the terms and provisions of the American Arbitration Association.

Any Member or Covered Person has the right to file a grievance with the Bar Association concerning any Plan Attorney’s conduct. Nothing in this Policy shall be deemed to interfere with the Bar Association’s right to discipline attorneys for a violation of any Bar Association Canon or Rule addressing honesty, integrity, or fair dealing. The grievance resolution machinery addresses only disputes between the Insurer, Plan Attorney, Member or any Covered Person, involving issues including coverage other than legal ethics.

The obligation of the Plan Attorney in providing legal services under this Policy shall be solely to the Member or Covered Person. The Plan Attorney shall maintain the confidentiality of the attorney-client relationship in accordance with the Bar Rules and Codes of Professional Responsibility.

The Insurer may refuse to provide legal services under this Policy, if the Insurer or the Plan Attorney believes that the legal services are in the furtherance of a legal matter which is believed to be clearly frivolous, or which would violate the Bar Rules or Code of Professional Responsibility.

In the event that a Covered Person does not agree with the Plan Attorney’s advice or recommendations, the Plan Attorney may terminate the representation if done pursuant to the Bar Rules or Code of Professional Responsibility. Member or Covered Person may at all times retain counsel other than the Independent Plan Attorney provided under this Policy, however, Member and Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this Policy.

The Insurer is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Member or Covered Person seeks coverage under this Policy for a covered event under this Policy, then Member or Covered Person will have an attorney-client relationship solely with the Plan Attorney and there shall be no interference with that attorney-client relationship by the Insurer. Nothing in this Policy is intended to impair the ability of Member or Covered Person from addressing the conduct of a Plan Attorney with the State Bar Association. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by a Plan Attorney, are required by this Policy to be addressed solely with the Plan Attorney. Member and Covered Person acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this Policy, some owners or employees of Insurer may be licensed attorneys. Those attorneys who are also employees or owners of Insurer are NOT Plan Attorneys under this Policy, will not be providing legal services to Member or Covered Person, and will not have an attorney-client relationship with Member or Covered Person at any time.

There are no subrogation rights under this Policy.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Member or Covered Person by Insurer, Plan Administrator or Plan Attorney. It is further expressly agreed and understood that no other representations have been made to Member or Covered Person, except for those set out in this Policy.

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Accidental Death & Dismemberment Endorsement

SCHEDULE

Coverage

Accidental Death & Dismemberment Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and shown on the Endorsement Schedule or Policy Declarations Page.

This endorsement contains only the principal provisions relating to the coverage and payment of loss described herein. The insurance described is automatically terminated if the Policy is canceled as provided therein or if the person insured ceases to fall within the Member or Covered Person as stated in this endorsement.

Description of Member or Covered Person – As used herein, the Member or Covered Person means only the person(s) listed on the Policy Declarations Page as for whom the specific premium for this coverage is paid.

LIMIT OF LIABILITY

The principal sum, in limits ranging from [$1,000] to [$100,000] in increments of [$1,000] as selected by the Member or Covered Person indicated on the Policy Declarations Page.

Insurance applies only with respect to those coverages for which an amount is specified against loss resulting directly and independently of all other causes for accidental bodily injuries which arise out of the hazards described and are sustained by the Member or Covered Person during the term of the Policy, herein called injuries, to the extent herein provided.

The following description of Coverage’s and Provisions contain the principal provisions relating to coverage and payment of loss:

DEATH, DISMEMBERMENT OR LOSS OF SIGHT – If within ninety (90) days from the date of accident, such injuries shall result in death, dismemberment or loss of sight of the Member or Covered Person, the company will pay:

1. Loss of Life

The Principal Sum

2. Loss of Both Hands, Feet, or Eyes

The Principal Sum

3. Loss of one Hand and one Foot

The Principal Sum

4. Loss of either Hand or Foot

One Half Principal Sum

5. Loss of Sight of one Eye

One Half Principal Sum

6. Loss of Thumb and Index Finger of same Hand

One Half Principal Sum

Loss shall mean with regard to hand or foot, complete severance through or above the wrist or ankle joint, with regard to sight of eyes, entire and irrecoverable loss of sight; with regard to thumb and index finger, complete severance through or above metacarpophalangeal joint.

Subject to the terms of this endorsement the hazards insured against are all those to which the Member or Covered Person may be exposed to due to the Use Of A Weapon as defined in the Policy.

EXCLUSIONS

In addition to the Policy Exclusions, this endorsement does not cover any Accidental Death, Dismemberment or Loss of Sight loss incurred or resulting from the following:

1. Suicide or any attempt thereof by the Member or Covered Person, or self-destruction or any attempt thereof by the Member or Covered Person; or

2. Infections except phylogenic infections caused wholly by a covered injury; or

3. War or any act of war, or accident occurring while the Member or Covered Person is in the military, naval or air service of any country; or

4. Loss occurring while the Member or Covered Person is operating, or learning to operate, or performing duties as a member of the crew of any aircraft; or

5. Sickness or disease of any kind including surgical or medical treatment; or

6. The Member or Covered Person being intoxicated or under the influence of any narcotic unless administered on the advice of a physician and without warning against the Use Of A Weapon while under the influence of the narcotic; or

7. Hernia of any kind.

GENERAL PROVISIONS

The following provision is added to the Policy as follows:

1. The Insurer, at its own expense, shall have the right and opportunity to examine the Member or Covered Person whose injury is the basis of claim when and as often as it may reasonably require while a claim is pending hereunder and to make an autopsy in case of death where it is not forbidden by law.

2. Written notice of claim must be given to the Insurer within 20 days after the occurrence of any loss covered by this endorsement, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the Member or Covered Person to the Insurer at its Administrative Office in Jacksonville, Florida, with information sufficient to identify the Member or Covered Person shall be deemed notice to the Insurer.

3. Upon receipt of a written notice of claim, Insurer will furnish to the Member or Covered Person such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice the Member or Covered Person shall be deemed to have complied with the requirements of this endorsement as to proof of loss upon submitting, within the time fixed in this endorsement for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made.

4. Written proof of loss must be furnished to Insurer within 90 days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible.

5. Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed therein and effective at the time of the payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the Member or Covered Person. Any accrued indemnities unpaid at the Member or Covered Person’s death may, at the option of the Insurer, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the Member or Covered Person.

6. No action at law or in equity shall be brought to recover on the Policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this endorsement. No such action shall be brought after the expiration of three years after the time written proof of loss is required to be furnished.

7. Any provision of the Policy, which, on its effective date, is in conflict with the statutes of the state in which the Policy was issued, is hereby amended to conform to the minimum of such statues.

All other terms and conditions remain unchanged.

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HUNTING ACTIVITY ENDORSEMENT

SCHEDULE

Coverage

Hunting Activity Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and is shown on the Endorsement Schedule or Policy Declarations Page.

Exclusion V., c. of the Policy, is deleted and replaced with the following Legal Services Benefit:

Hunting Program Legal Representation Benefits:

A Member in good standing shall be entitled to coverage for the reasonable legal services of a Plan Attorney.

Benefits are limited to:

1. defense of any criminal charges, by a Plan Attorney, alleging:

a violation of Title 56, Louisiana Revised Statutes as it pertains to Hunting Activity or fishing, against the Policy Holder; or

Feral Swine prohibited acts related to such swine; penalties; appeals; destruction of such swine, as they pertain to Hunting Activity or fishing, against the Member and any Covered Person.

2. defense of any criminal charges, by a Plan Attorney, alleging a violation of Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing; or

3. defense of any civil claims, by a Plan Attorney, brought against the Member and any Covered Person that arises as a direct result of his or her Hunting Activity or fishing.

All such legal representations shall be subject to the limitations and exclusions set forth below.

Hunting Activity – means, in addition to actual hunting, an event or occurrence involving:

1. the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and

2. the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: Plan Attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

1. at the time of the occurrence giving rise to a claim is engaged in a criminal act other than an offense alleging a violation of Title 56, Louisiana Revised Statutes as it pertains to Hunting Activity or fishing, against the Policy Holder, or Feral Swine; prohibited acts related to such swine; penalties; appeals; destruction of such swine, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity or fishing; or

2. at the time of the incident giving rise to a claim the Member or any Covered Person was not in lawful possession of the firearm; or

3. the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of a Member and any Covered Person: The provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in Policy.

This program is intended to provide the Member and any Covered Person with the reasonable legal services of a Plan Attorney. Nothing in this Hunting Activity Endorsement shall be construed or deemed to provide the Member or any Covered Person with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Member or Covered Person, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against the Member or Covered Person.

All other terms and conditions remain unchanged.

Maryland Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF MARYLAND LEGAL SERVICE CONTRACT

Principal Office – 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1-877-448-6839

DEFINITIONS
“Independent Contracting Attorney” — An independent, third-party, licensed attorney that U.S. Law Shield of Maryland contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract. This definition shall apply throughout the entirety of this agreement. Any references herein to Contracting Attorney, Independent Contracting Attorney, attorney, program attorney, legal services, legal defense, and other similar terms shall refer to an independent, third-party, licensed attorney that U.S. Law Shield of Maryland contracts with to provide legal services for the Legal Service Contract Holder.
“Use of a Firearm or Other Lawful Weapon” — Any incident where the Legal Service Contract Holder either discharges or displays a firearm or uses any other lawful weapon at their disposal for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or otherwise actually uses the other lawful weapon or not. This term does not include taking the firearm or other lawful weapon to a location that is prohibited by federal, state, or local law, or negligent or unintended displays of a firearm or other lawful weapon.
“Legal Service Contract” — The present agreement entered into between Legal Service Contract Holder and U.S. Law Shield of Georgia, LLC d/b/a U.S. Law Shield of Maryland for consideration and under which U.S. Law Shield of Maryland will obtain legal services for the Legal Service Contract Holder through an Independent Contracting Attorney.
“Legal Service Contract Holder” — Person who purchased the U.S. Law Shield of Maryland Legal Service Contract.
PARTIES
This Legal Service Contract is administered by U.S. Law Shield of Maryland who shall provide Legal Service Contract Holders with an Independent Contracting Attorney for any incident covered by this Legal Service Contract. U.S. Law Shield of Maryland shall offer the Legal Service Contract in the State of Maryland. The Independent Contracting Attorney shall perform the legal services described herein.
The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of Maryland. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.
The person whose name is on the front of this guide is the sales representative who sold or solicited this Legal Service Contract on behalf of U.S. Law Shield of Maryland.
ELIGIBILITY & EFFECTIVE DATE
The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup when the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is lawfully terminated pursuant to the terms of this agreement.

he legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependents is the day of signup when the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS
The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by an Independent Contracting Attorney and these services may be utilized by calling U.S. Law Shield of Maryland on the business telephone numbers provided on membership cards, or, in case of emergency, the 24/7 emergency hotline telephone number provided to each Legal Service Contract Holder:

Legal representation is provided by an independent contracting attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of Maryland where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Service Contract or after its termination. This contract is “pre-paid” in nature. It does not provide coverage for legal needs existing prior to membership.
An emergency hotline is maintained and answered 24 hours a day for any Legal Service Contract Holder.
Upon request, an Independent Contracting Attorney is provided for legal advice regarding the use and carrying of firearms and other lawful weapons.
If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of Maryland, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits provided herein and is subject to the limitations and exclusions provided herein.
If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of Firearm or Other Lawful Weapon.” Minor children are subject to the same limitations and exclusions provided herein.
Legal Service Contract Holder shall receive all of the preceding benefits from Independent Contracting Attorney regardless of payments, performance, consideration, the solvency or continued operations of U.S. Law Shield of Maryland. Independent Contracting Attorney shall be responsible for providing services whether or not U.S. Law Shield of Maryland becomes bankrupt or otherwise ceases to function in the anticipated manner. There is no indemnification contracted for by either the administrative unit or the providers of the plan for services or risk contingencies performed by any other entity outside the closed panel.
The Legal Service Contract Holder will also receive:
Periodic updates on topics affecting gun owners;
Educational material concerning gun ownership, gun rights and the law; and
A membership card with a unique member number and emergency hotline.
DEDUCTIBLES OR COPAYMENTS
There are no deductibles or copayments under this Legal Service Contract.

LIMITATIONS & EXCLUSIONS
In order for Legal Service Contract Holder to receive the benefits described in this Legal Service Contract, at the time a “Use of a Firearm or Other Lawful Weapon” incident occurs, the Legal Service Contract Holder must be in legal possession of the firearm or other lawful weapon, and at the time of the “Use of the Firearm or Other Lawful Weapon”, the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm or the other lawful weapon.
Neither U.S. Law Shield of Maryland, nor U.S. Law Shield of Maryland’s Independent Contracting Attorneys will have any obligation under this contract to provide coverage to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm or other lawful weapon, the Legal Service Contract Holder was not in lawful possession of the firearm or other lawful weapon, or was in a location, without legal justification, where possession of a firearm or other lawful weapon is illegal under state, federal, or local law.
This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Service Contract Holder’s “Use of a Firearm or Other Lawful Weapon” for which justification is available as a defense.
If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of Maryland, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits described herein, and is subject to the limitations and exclusions provided herein.
If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of a Firearm or Other Lawful Weapon.” Minor children are subject to the same limitations and exclusions provided herein.
TRANSFERABILITY AND REIMBURSEMENT
This Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION OF CONTRACT & REINSTATEMENT
Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of Maryland with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.
If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Contract is void and U.S. Law Shield of Maryland shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.
U.S. Law Shield of Maryland may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder to the last known address according to the records of U.S. Law Shield of Maryland. U.S. Law Shield of Maryland must mail notice before the fifth day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.
U.S. Law Shield of Maryland is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:
Nonpayment;
A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of Maryland;
A substantial breach of a duty by the Legal Service Contract Holder; or
Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of Maryland.
There shall be a grace period of 31 Days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated pursuant to subsection D(ii) or D(iii) above and provided the Legal Service Contract Holder remits to U.S. Law Shield of Maryland within a 31-day period all fees necessary to pay the Legal Service Contract to a current status and provided no “Use of a Firearm or Other Lawful Weapon” has occurred during such period.
DUTIES OF LEGAL SERVICE CONTRACT HOLDER
Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of Maryland if a “Use of a Firearm or Other Lawful Weapon” occurs by the Legal Service Contract Holder.
The Legal Service Contract Holder agrees to fully cooperate with Independent Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter.
It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Maryland and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of Maryland if an appointment cannot be kept.
The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of Maryland of all changes in his or her address or telephone number.
Request for legal services shall be initiated by calling U.S. Law Shield of Maryland’s emergency hotline or phoning the office at (877) 448-6839, or through email at support@uslawshield.com.
GENERAL PROVISIONS
Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses’ attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Services Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including, but not limited to, witness fees, witness travel expenses, and/or lodging, and shall not cover court costs, bonds, or expenses related to appeals, records, and transcripts.
No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of Maryland and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup.
Marketing/Advertising/Promotional Fees. Legal Service Contract Holder acknowledges and agrees that one or more third-parties may receive compensation in connection with the marketing, sale or advertising of this Legal Service Contract, including marketing or advertising fees, salaries, contract payments, facility lease payments, commissions and/or passive commissions as authorized by applicable statutes, laws and rules.
Resolution of Disputes. Any and all complaints, claims, causes of action, suits, disputes or any other legal assertions between the Legal Service Contract Holder and U.S. Law Shield of Maryland or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in Maryland, pursuant to the terms and provisions of the American Arbitration Association. Legal Service Contract Holder expressly waives the right to proceed with any legal action other than on an individual basis in an arbitration proceeding described herein. Legal Service Contract Holder specifically waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis.
Independence of Contracting Attorneys. U.S. Law Shield of Maryland is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Legal Service Contract Holder seeks coverage under this agreement for a covered event under this contract, then Legal Service Contract Holder will have an attorney-client relationship solely with the Independent Contracting Attorney and there shall be no interference with that attorney-client relationship by U.S. Law Shield of Maryland. Nothing in this contract is intended to impair the ability of Legal Service Contract Holder from addressing the conduct of a Contracting Attorney with the State Bar of Maryland. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by an Independent Contracting Attorney, are required by this contract to be addressed solely with the Independent Contracting Attorney. Legal Service Contract Holder acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this contract, some owners or employees of U.S. Law Shield of Maryland may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Maryland are NOT Contracting Attorneys under this agreement, will not be providing legal services to Legal Service Contract Holder, and will not have an attorney-client relationship with Legal Service Contract Holder at any time.
Legal Service Contract Holder may at all times retain counsel different than the Independent Contract Attorney provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.
Subrogation rights — There are no subrogation rights under this Legal Services Contract.
It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by U.S. Law Shield of Maryland or Independent Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this contract.
This U.S. Law Shield of Maryland Legal Service Contract will not be processed prior to February 18, 2017.

Optional Maryland Hunting Activity Program Addendum

U.S. Law Shield of Maryland, LLC, offers for separate consideration a Hunting Activity program (the “Hunting Program”) as an optional legal service plan that may be added to the U.S. Law Shield of Maryland Firearms Legal Defense Program. The legal services described herein are only available to a U.S. Law Shield of Maryland Legal Service Contract Holder who elects to add this optional service for separate and additional consideration to their U.S. Law Shield of Maryland Firearms Legal Defense Program. In addition to the benefits provided in the U.S. Law Shield of Maryland Firearms Legal Defense Program, the Legal Service Contract Holder who selects and pays separate and additional consideration for the Hunting Program shall receive the Hunting Program Legal Representation Benefits outlined below.

Hunting Program Legal Representation Benefits: If the Legal Service Contract Holder tenders separate consideration for the Hunting Program, a Legal Service Contract Holder in good standing shall be entitled to coverage for the reasonable legal services of an independent program attorney selected and provided by U.S. Law Shield of Maryland, LLC, at no charge. Such benefits are limited to:

1) defense of any criminal charges (by an independent program attorney) alleging a violation of Title 4 or 10 of the Maryland Natural Resources Code or Title 08 of the Code of Maryland Regulations as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder;

2) defense of any criminal charges (by an independent program attorney) alleging a violation of Title 16 of the U.S. Code, or Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder;

3) defense of any civil claims (by an independent program attorney) brought against the Legal Service Contract Holder that arises as a direct result of his or her Hunting Activity or fishing in Maryland;

All such legal representations shall be subject to the limitations and exclusions set forth below.

“Hunting Activity” – Hunting Activity shall mean, in addition to actual hunting, an event or occurrence within the State of Maryland involving: 1) the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and 2) the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: U.S. Law Shield of Maryland, LLC or U.S. Law Shield of Maryland, LLC’s independent program attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

1) at the time of the occurrence giving rise to a claim the Legal Service Contract Holder is engaged in a criminal act other than an offense alleging a violation of Title 4 or 10 of the Maryland Natural Resource Code, Title 08 of the Code of Maryland Regulations, or Title 16 of the U.S. Code, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity;

2) at the time of the incident giving rise to a claim the Legal Service Contract Holder was not in lawful possession of the firearm, or was not within the borders of the State of Maryland;

3) the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of Legal Service Contract Holder: the provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in the U.S. Law Shield of Maryland, LLC, Legal Service Contract. The provisions of this program shall only apply and be effective for incidents that occur within the State of Maryland.

This program is intended to provide the Legal Service Contract Holder with the reasonable legal services of an independent program attorney. Nothing in this Hunting Activity Program shall be construed or deemed to provide Legal Service Contract Holder with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Legal Service Contract Holder, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against Legal Service Contract Holder.

Michigan Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF MICHIGAN, LLC LEGAL SERVICE SUBSCRIPTION CONTRACT

This policy is exempt from the filing requirements of section 2236 of the insurance code of 1956, 1956 PA 218, MCL 500.2236

LYNDON SOUTHERN INSURANCE COMPANY

Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

POLICY NUMBER: _____________________________

Insured:

Address:

City:

State:

Zip:

POLICY PERIOD:

Effective: _____________ From ________________ at 12: 01 A.M

FIREARMS LEGAL DEFENSE PROGRAM

DECLARATIONS

In consideration of the payment of premiums and subject to all of the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein to the person insured hereunder whose name is:
_______________________________________________________________________________________________________________

(herein called “Member”)

The rate of premium of this Policy per month per Member as defined in the Policy is: $________________

If the Member chooses to add coverage for their spouse as defined in the Policy, the rate of premium is: $_______________________

If the Member chooses to add coverage for their minor children as defined in the Policy, the rate of premium is: $____________________

If the Member chooses to add Multi-State Protection as defined in the Policy, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Accidental Death and Dismemberment, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Hunting Activity, the additional rate of premium is: $___________________

This Policy is subject to the laws of the jurisdiction that it is issued in.

The coverage afforded to the Member is only with respect to this Policy as indicated herein. The limit of the Company’s liability shall be as stated in this Policy.

The provisions in the following pages hereof form a part of this Policy are fully incorporated herein over the signatures appearing below.

EMERGENCY HOTLINE NUMBER: _________-_________-_________

In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Jacksonville, Florida on the Effective Date of this Policy.

Secretary

President

TABLE OF CONTENTS
I. INSURING AGREEMENT

Page 3

II. DEFINITIONS

Page 3

III. PARTIES TO THE POLICY

Page 4

IV. LEGAL SERVICES & BENEFITS

Page 4

V. LIMITATIONS & EXCLUSIONS

Page 5

VI. OPERATION & ADMINISTRATION OF PLAN

Page 5

VII. CANCELLATION OF PLAN & REINSTATMENT

Page 6

VIII. DUTIES OF MEMBERS

Page 7

IX. GENERAL PROVISIONS

Page 7

This policy is exempt from the filing requirements of section 2236 of the insurance code of 1956, 1956 PA 218, MCL 500.2236

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

MEMBER POLICY
FIREARMS LEGAL DEFENSE PROGRAM

In consideration of the payment of premiums and subject to the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein.

INSURING AGREEMENT

Lyndon Southern Insurance Company will provide legal services to Members and Covered Persons who legally possess a weapon and has a Use Of A Weapon as determined herein in defense of themselves, other persons, or property.

Various provisions in this Policy restrict coverage.

Read the entire Policy carefully to determine rights, duties and what is and is not covered.

DEFINITIONS

Insurer — Lyndon Southern Insurance Company, [Administrative Office, 10151 Deerwood Park Blvd., Bldg. 100, Suite 500, Jacksonville, FL 32256]

Application — Means all signed applications for this Policy, including any attachments, addenda and other materials submitted in conjunction with the signed applications(s).

Covered Person — Means spouse and/or minor children with all premiums paid.

Plan Administrator — Business entity appointed by an Insurer to solicit applications, policyholder services and issue policies.

Member — Person who has submitted an Application, been accepted by the Insurer, and has paid all Premiums due.

Premium(s) — The amount paid for this Policy as described on the Declarations Page.

Plan Attorney — A licensed attorney contracted by the Insurer to provide legal services for the Member and Covered Persons under this Policy.

Policy — This agreement detailing the terms and conditions of this contract of insurance, which has entered into between the Insurer and Member.

Use Of A Weapon — Any incident where the Member or Covered Person either discharges or displays a weapon for the purpose of using the weapon to stop a threat. For purposes of this Policy, a weapon is defined as any firearm, including a handgun, electronic weapon or device, tear gas gun, knife or billie, or any other lawful weapon at their disposal. This term does not include taking the weapon to a location that is prohibited by federal, state or local law, or negligent or unintended displays.

Covered State — The State identified on the first line of the top of the signed Application for this Policy and identified in the body of the Application as the State for which coverage is purchased.

PARTIES TO THE POLICY

This legal expense insurance Policy is administered by the Plan Administrator on behalf of the Insurer. The Plan Administrator shall provide Member or any Covered Persons with a Plan Attorney for any incident covered by this Policy. The Plan Attorney shall perform the legal services described herein.

Member or any Covered Person may receive benefits from the legal services provided by Insurer. The benefits provided under this Policy shall be available to the Member who has paid all Premiums due under the Policy. The legal services described herein shall be available to the Member who applies and pays the appropriate Premium under the Policy. The effective date of the legal services is the day of signup where the first payment is made by the Member. The term of this Policy is twelve (12) months from the effective date. The term of this Policy shall automatically be renewed for twelve (12) months on the anniversary of the effective date, unless the Policy is terminated by the Member or under the express terms of this Policy.

The legal services described herein shall be available to the Member’s minor children if Member tenders the applicable Premiums. Such services shall include protection to Member’s minor children, who shall become Covered Persons upon the payment of the appropriate Premiums. Effective date of the legal services for minor children is the day of signup where the first applicable Premium is paid by the Member.

LEGAL SERVICES & BENEFITS

The Premiums paid by the Member entitles the Covered Persons to the legal services described herein and provided by a Plan Attorney. These services may be used by calling Insurer on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Member, shown on the Declarations Page.

The legal representation provided by this Policy is provided for a Member or any Covered Person by an attorney in any criminal or civil procedure arising from an incident involving a Member or any Covered Person providing that:

Member or Covered Person is, in good standing having paid all applicable Premiums;

Member or Covered Person has a “Use Of A Weapon” in the Covered State as defined above; and

Use Of A Weapon is in a place within the Covered State where the Member or Covered Person is legally permitted to possess a weapon.

Legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This Policy provides no benefit for any incident that occurred prior to the effective date of the Policy or after its termination.

An emergency hotline is maintained and answered 24 hours a day for Member access to a Plan Attorney for legal advice immediately after Use Of A Weapon.

Member or Covered Person access to a Plan Attorney is provided for legal advice regarding carrying and use of weapons and to give on-going legal advice on general weapons law.

If the Member tenders the appropriate Premiums for Multi-State Protection provided by Insurer, the Member and any Covered Persons shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

If the Member tenders the appropriate Premiums to include protection for minor children, Member shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a Use Of A Weapon incident. Minor children are subject to the same limitations and exclusions provided herein.

The Member and Covered Person will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and the applicable emergency hotline telephone number.

LIMITATIONS & EXCLUSIONS

In order for a Member or Covered Person to receive the benefits described in this Policy, at the time of a Use Of A Weapon incident occurs, the Member or Covered Person must be:

in legal possession of a weapon, and

at the time of the Use Of A Weapon the Member must be in a location where Member or Covered Person could legally possess a weapon.

Insurer or Insurer’s Plan Attorney will have no obligations under this Policy to defend or represent a Member or Covered Person if at the time the Member or Covered Person uses his or her weapon, the Member or Covered Person was not in lawful possession of the weapon, or was in a location, without legal justification, where possession of a weapon is illegal under state, federal, or local law or expected or intended injury.

“Bodily injury” or “property damage”, expected or intended, from the standpoint of the Member or Covered Person. This exclusion does not apply to “bodily injury” resulting from the use of reasonable force to protect persons or property.

Costs And Fees Not Covered Under This Contract. This Policy covers all Plan Attorneys’ fees for a covered incident, however, it is expressly understood that any expenses or costs associated with court filing fees, sheriff fees for service of summons or process, deposition and discovery costs, fines, penalties, damages assessed, investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Member and paid directly by the Member. This Policy shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.

This Policy specifically excludes all Hunting Activities including but not limited to criminal charges alleging a violation of criminal hunting of Feral Swine and fishing.

This Policy specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Covered Person’s Use Of A Weapon.

This Policy specifically excludes legal representation in criminal or civil matters arising from the Covered Person’s possession of a weapon in violation of local, state, or federal laws or in the commission of any crime for which justification under state law is inapplicable.

This Policy specifically excludes providing legal representation by a Plan Attorney for any incident, criminal investigation or prosecution arising from the Use Of A Weapon by the Member or Covered Person against the Member or Covered Person’s current or former family member, household or dating relationship as defined in the state statutes or other applicable state law.

This Policy specifically excludes providing legal representation by a Plan Attorney for Members or Covered Persons who use a weapon in the scope of their employment, including but not limited to, a police officer, a peace officer, security guard or military personnel.

OPERATION & ADMINISTRATION OF PLAN

The Plan is administered by Insurer who shall provide services for Members and Covered Persons whose premiums are current, through Plan Attorneys pursuant to a participating attorney’s contract with Insurer.

Insurer shall enter into contractual agreements with the Plan Attorneys to provide legal services to Member and Covered Persons. The Plan Attorneys shall be selected by Insurer for Members and Covered Persons. No Member or Covered Person is required to consult with or be represented by a Plan Attorney. Each Member and Covered Person is free to consult with any attorney of their choice about any matter, including matters covered by this Policy, at the Members or Covered Person’s sole expense. Member or Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract. Insurer will not pay attorney’s fees to any other attorney other than a Plan Attorney.

Insurer shall maintain complete control over all administrative procedures. Insurer may alter or amend the Policy upon the renewal date of the Member’s policy. Any changes to the Policy shall be made effective only upon renewal of the Policy and shall not act to deprive Member or Covered Person of any service to which they were entitled for matters pending at the time of the change. Member or Covered Person must be notified of any change 30 days in advance of the change.

No change in the Policy is valid until the change has been approved by an executive officer of Insurer and unless such change is endorsed or attached to the Policy. There is no modification of the Policy rates while it is in effect. Policy rates may be modified upon renewal of the Policy on the anniversary date of signup.

This Policy is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses unless expressly covered by this contract.

CANCELLATION OF POLICY & REINSTATEMENT

A Member may terminate the Policy by providing Insurer or Plan Administrator with written notice of the Member’s intent to terminate the Policy and the termination date requested.

Insurer may cancel a Policy by mailing a written notice of cancellation to the Member to the last known address according to the records of Insurer. Insurer must mail notice of cancellation before the 30th day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:

Conviction of a crime arising out of acts increasing the hazard insured against;

Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;

Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;

Changes in the loss exposure which increase the hazard insured against;

A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or

A material increase in the hazard insured against.

If Insurer cancels the Policy of Member due to nonpayment, Insurer must mail notice of cancellation before the tenth (10th) day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and that the Policy is being cancelled because of nonpayment.

The Policy will be reinstated, with full rights and benefits, provided the Policy is not terminated pursuant to subsection c(2) or c(3) above and provided the Member remits to Insurer all Premiums due to bring the Policy to a current status before the termination date.

In the event that the Member terminates their Policy for any reason, or has their membership cancelled, the legal services provided to the Member or any Covered Person shall be ended. If any Member or Covered Person has an active matter at the time of termination, the Plan Attorney shall complete the legal matter unless the Member or Covered Person does not desire to be further represented by the Plan Attorney involved in the matter, or by any other Plan Attorney.

In the event that a membership is terminated by either the Member or the Insurer, the Member shall be entitled to a refund of unearned Premiums on a [pro-rata basis]. However, any monthly premiums that have not been earned by the Insurer shall be returned to Member within 15 working days after the effective date of cancellation, as determined by post mark. Insurer need not return amounts less than [$5.00], unless specifically requested to do so by Member. Likewise, should Member discharge a Plan Attorney as to any active matter without terminating membership of the Policy, no refund of earned Premiums shall be due to the terminated Member.

DUTIES OF MEMBERS In the Event of A Claim

Member has a duty to notify the Insurer or Plan Administrator if a Use Of A Weapon occurs by the Member and any Covered Person, as soon as practicable.

A Member and Covered Person shall:

Fully cooperate with Plan Attorney in a defense at any legal proceeding;

Attend any and all court dates, court hearings, and other official appearances in connection with the claims in an active matter; Keep all appointments with Plan Attorney and, if an expected event occurs that prevents keeping an appointment, the Member or Covered Person shall immediately notify Plan attorney if an appointment cannot be kept.

GENERAL PROVISIONS

The Insurer, as part of the implementation of this Policy, enters into agreements with Plan Attorneys who have agreed to provide services to the Members or Covered Persons under the conditions under each agreement. In none of these instances does the Insurer stand in the position of guarantor as to the honesty, proficiency, accuracy, or resourcefulness of the individual Plan Attorney or firm of Plan Attorney. Accordingly, if any Plan Attorney to whom a Member or Covered Person uses for a legal matter under this Policy performs or omits an act which may give rise to a claim for malpractice, the Member’s or Covered Person’s sole recourse will be against the individual Plan Attorney or Plan Attorney’s firm, that is handling that Member’s or Covered Person’s legal matter.

In the event of a complaint from a Member or Covered Person about a Plan Attorney, Insurer will attempt to resolve the complaint or to transfer the Member or Covered Person to another designated Plan Attorney. Before any such action is taken the Plan Attorney will be given an opportunity to resolve the problem. If the Insurer is unable to find a Plan Attorney willing to perform the services covered by this Policy or if the Plan Attorney is disqualified or otherwise unable to perform the services, the Insurer will select or appoint another Plan Attorney to provide the services to the Member or Covered Person.

In the event that Member or Covered Person should have a problem, complaint, or grievance concerning the legal services provided by the Plan Attorney, the Member or Covered Person may request a conference with the Plan Attorney and the Insurer by contacting the Insurer at the number indicated on the Declarations Page. The Member or Covered Person may request a conference with an impartial third party chosen by mutual agreement between Insurer and Member or Covered Person. A conference shall be held with Insurer, Plan Attorney, Member, Covered Person (if different from the Member) and the impartial third party in an effort to resolve the problem, complaint, or grievance.

Any and all complaints and grievances between any Member or Covered Person and Insurer or any of its affiliates and/or the Plan Attorney and/or any of its affiliates shall be submitted to binding arbitration in Duval County, Florida, pursuant to the terms and provisions of the American Arbitration Association.

Any Member or Covered Person has the right to file a grievance with the Bar Association concerning any Plan Attorney’s conduct. Nothing in this Policy shall be deemed to interfere with the Bar Association’s right to discipline attorneys for a violation of any Bar Association Canon or Rule addressing honesty, integrity, or fair dealing. The grievance resolution machinery addresses only disputes between the Insurer, Plan Attorney, Member or any Covered Person, involving issues including coverage other than legal ethics.

The obligation of the Plan Attorney in providing legal services under this Policy shall be solely to the Member or Covered Person. The Plan Attorney shall maintain the confidentiality of the attorney-client relationship in accordance with the Bar Rules and Codes of Professional Responsibility.

The Insurer may refuse to provide legal services under this Policy, if the Insurer or the Plan Attorney believes that the legal services are in the furtherance of a legal matter which is believed to be clearly frivolous, or which would violate the Bar Rules or Code of Professional Responsibility.

In the event that a Covered Person does not agree with the Plan Attorney’s advice or recommendations, the Plan Attorney may terminate the representation if done pursuant to the Bar Rules or Code of Professional Responsibility. Member or Covered Person may at all times retain counsel other than the Independent Plan Attorney provided under this Policy, however, Member and Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this Policy.

The Insurer is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Member or Covered Person seeks coverage under this Policy for a covered event under this Policy, then Member or Covered Person will have an attorney-client relationship solely with the Plan Attorney and there shall be no interference with that attorney-client relationship by the Insurer. Nothing in this Policy is intended to impair the ability of Member or Covered Person from addressing the conduct of a Plan Attorney with the State Bar Association. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by a Plan Attorney, are required by this Policy to be addressed solely with the Plan Attorney. Member and Covered Person acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this Policy, some owners or employees of Insurer may be licensed attorneys. Those attorneys who are also employees or owners of Insurer are NOT Plan Attorneys under this Policy, will not be providing legal services to Member or Covered Person, and will not have an attorney-client relationship with Member or Covered Person at any time.

There are no subrogation rights under this Policy.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Member or Covered Person by Insurer, Plan Administrator or Plan Attorney. It is further expressly agreed and understood that no other representations have been made to Member or Covered Person, except for those set out in this Policy.

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Accidental Death & Dismemberment Endorsement

SCHEDULE

Coverage

Accidental Death & Dismemberment Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and shown on the Endorsement Schedule or Policy Declarations Page.

This endorsement contains only the principal provisions relating to the coverage and payment of loss described herein. The insurance described is automatically terminated if the Policy is canceled as provided therein or if the person insured ceases to fall within the Member or Covered Person as stated in this endorsement.

Description of Member or Covered Person – As used herein, the Member or Covered Person means only the person(s) listed on the Policy Declarations Page as for whom the specific premium for this coverage is paid.

LIMIT OF LIABILITY

The principal sum, in limits ranging from [$1,000] to [$100,000] in increments of [$1,000] as selected by the Member or Covered Person indicated on the Policy Declarations Page.

Insurance applies only with respect to those coverages for which an amount is specified against loss resulting directly and independently of all other causes for accidental bodily injuries which arise out of the hazards described and are sustained by the Member or Covered Person during the term of the Policy, herein called injuries, to the extent herein provided.

The following description of Coverage’s and Provisions contain the principal provisions relating to coverage and payment of loss:

DEATH, DISMEMBERMENT OR LOSS OF SIGHT – If within ninety (90) days from the date of accident, such injuries shall result in death, dismemberment or loss of sight of the Member or Covered Person, the company will pay:

1. Loss of Life

The Principal Sum

2. Loss of Both Hands, Feet, or Eyes

The Principal Sum

3. Loss of one Hand and one Foot

The Principal Sum

4. Loss of either Hand or Foot

One Half Principal Sum

5. Loss of Sight of one Eye

One Half Principal Sum

6. Loss of Thumb and Index Finger of same Hand

One Half Principal Sum

Loss shall mean with regard to hand or foot, complete severance through or above the wrist or ankle joint, with regard to sight of eyes, entire and irrecoverable loss of sight; with regard to thumb and index finger, complete severance through or above metacarpophalangeal joint.

Subject to the terms of this endorsement the hazards insured against are all those to which the Member or Covered Person may be exposed to due to the Use Of A Weapon as defined in the Policy.

EXCLUSIONS

In addition to the Policy Exclusions, this endorsement does not cover any Accidental Death, Dismemberment or Loss of Sight loss incurred or resulting from the following:

Suicide or any attempt thereof by the Member or Covered Person, or self-destruction or any attempt thereof by the Member or Covered Person; or

Infections except phylogenic infections caused wholly by a covered injury; or

War or any act of war, or accident occurring while the Member or Covered Person is in the military, naval or air service of any country; or

Loss occurring while the Member or Covered Person is operating, or learning to operate, or performing duties as a member of the crew of any aircraft; or

Sickness or disease of any kind including surgical or medical treatment; or

The Member or Covered Person being intoxicated or under the influence of any narcotic unless administered on the advice of a physician and without warning against the Use Of A Weapon while under the influence of the narcotic; or

Hernia of any kind.

GENERAL PROVISIONS

The following provision is added to the Policy as follows:

The Insurer, at its own expense, shall have the right and opportunity to examine the Member or Covered Person whose injury is the basis of claim when and as often as it may reasonably require while a claim is pending hereunder and to make an autopsy in case of death where it is not forbidden by law.

Written notice of claim must be given to the Insurer within 20 days after the occurrence of any loss covered by this endorsement, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the Member or Covered Person to the Insurer at its Administrative Office in Jacksonville, Florida, with information sufficient to identify the Member or Covered Person shall be deemed notice to the Insurer.

Upon receipt of a written notice of claim, Insurer will furnish to the Member or Covered Person such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice the Member or Covered Person shall be deemed to have complied with the requirements of this endorsement as to proof of loss upon submitting, within the time fixed in this endorsement for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made.

Written proof of loss must be furnished to Insurer within 90 days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible.

Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed therein and effective at the time of the payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the Member or Covered Person. Any accrued indemnities unpaid at the Member or Covered Person’s death may, at the option of the Insurer, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the Member or Covered Person.

No action at law or in equity shall be brought to recover on the Policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this endorsement. No such action shall be brought after the expiration of three years after the time written proof of loss is required to be furnished.

Any provision of the Policy, which, on its effective date, is in conflict with the statutes of the state in which the Policy was issued, is hereby amended to conform to the minimum of such statues.

All other terms and conditions remain unchanged.

This policy is exempt from the filing requirements of section 2236 of the insurance code of 1956, 1956 PA 218, MCL 500.2236

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HUNTING ACTIVITY ENDORSEMENT

SCHEDULE

Coverage

Hunting Activity Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and is shown on the Endorsement Schedule or Policy Declarations Page.

Exclusion V., c. of the Policy, is deleted and replaced with the following Legal Services Benefit:

Hunting Program Legal Representation Benefits:

A Member in good standing shall be entitled to coverage for the reasonable legal services of an Independent program attorney.

Benefits are limited to:

defense of any criminal charges, by a Plan Attorney, alleging a violation of the Michigan Compiled Laws, Act 451 of 1994 Section324 and Michigan Administrative Rules as it pertains to Hunting Activity or fishing, against the Policy Holder;

defense of any criminal charges, by a Plan Attorney, alleging a violation of Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing; or

defense of any civil claims, by a Plan Attorney, brought against the Member and any Covered Person that arises as a direct result of his or her Hunting Activity or fishing.

All such legal representations shall be subject to the limitations and exclusions set forth below.

Hunting Activity – means, in addition to actual hunting, an event or occurrence involving:

the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and

the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: Plan Attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

at the time of the occurrence giving rise to a claim is engaged in a criminal act other than an offense , alleging a violation of the Michigan Compiled Laws, Act 451 of 1994 Section324 and Michigan Administrative Rules as it pertains to Hunting Activity or fishing, against the Policy Holder, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity or fishing; or

at the time of the incident giving rise to a claim the Member or any Covered Person was not in lawful possession of the firearm; or

the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of a Member and any Covered Person: The provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in Policy. The provisions of this program shall only apply and be effective for incidents that occur within the State of Michigan.

This program is intended to provide the Member and any Covered Person with the reasonable legal services of a Plan Attorney. Nothing in this Hunting Activity Endorsement shall be construed or deemed to provide the Member or any Covered Person with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Member or Covered Person, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against the Member or Covered Person.

All other terms and conditions remain unchanged.

Minnesota Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF MINNESOTA, LLC LEGAL SERVICE SUBSCRIPTION CONTRACT
LYNDON SOUTHERN INSURANCE COMPANY

Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

POLICY NUMBER: _____________________________

Insured:

Address:

City:

State:

Zip:

POLICY PERIOD:

Effective: _____________ From ________________ at 12: 01 A.M

FIREARMS LEGAL DEFENSE PROGRAM

DECLARATIONS

In consideration of the payment of premiums and subject to all of the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein to the person insured hereunder whose name is:
_______________________________________________________________________________________________________________

(herein called “Member”)

The rate of premium of this Policy per month per Member as defined in the Policy is: $________________

If the Member chooses to add coverage for their spouse as defined in the Policy, the rate of premium is: $_______________________

If the Member chooses to add coverage for their minor children as defined in the Policy, the rate of premium is: $____________________

If the Member chooses to add Multi-State Protection as defined in the Policy, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Accidental Death and Dismemberment, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Hunting Activity, the additional rate of premium is: $___________________

This Policy is subject to the laws of the jurisdiction that it is issued in.

The coverage afforded to the Member is only with respect to this Policy as indicated herein. The limit of the Company’s liability shall be as stated in this Policy.

The provisions in the following pages hereof form a part of this Policy are fully incorporated herein over the signatures appearing below.

EMERGENCY HOTLINE NUMBER: _________-_________-_________

In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Jacksonville, Florida on the Effective Date of this Policy.

Secretary

President

TABLE OF CONTENTS
I. INSURING AGREEMENT

Page 3

II. DEFINITIONS

Page 3

III. PARTIES TO THE POLICY

Page 4

IV. LEGAL SERVICES & BENEFITS

Page 4

V. LIMITATIONS & EXCLUSIONS

Page 5

VI. OPERATION & ADMINISTRATION OF PLAN

Page 5

VII. CANCELLATION OF PLAN & REINSTATMENT

Page 6

VIII. DUTIES OF MEMBERS

Page 7

IX. GENERAL PROVISIONS

Page 7

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

MEMBER POLICY
FIREARMS LEGAL DEFENSE PROGRAM

In consideration of the payment of premiums and subject to the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein.

INSURING AGREEMENT

Lyndon Southern Insurance Company will provide legal services to Members and Covered Persons who legally possess a weapon and has a Use Of A Weapon as determined herein in defense of themselves, other persons, or property.

Various provisions in this Policy restrict coverage.

Read the entire Policy carefully to determine rights, duties and what is and is not covered.

DEFINITIONS

Insurer — Lyndon Southern Insurance Company, [Administrative Office, 10151 Deerwood Park Blvd., Bldg. 100, Suite 500, Jacksonville, FL 32256]

Application — Means all signed applications for this Policy, including any attachments, addenda and other materials submitted in conjunction with the signed applications(s).

Covered Person — Means spouse and/or minor children with all premiums paid.

Plan Administrator — Business entity appointed by an Insurer to solicit applications, policyholder services and issue policies.

Member — Person who has submitted an Application, been accepted by the Insurer, and has paid all Premiums due.

Premium(s) — The amount paid for this Policy as described on the Declarations Page.

Plan Attorney — A licensed attorney contracted by the Insurer to provide legal services for the Member and Covered Persons under this Policy.

Policy — This agreement detailing the terms and conditions of this contract of insurance, which has entered into between the Insurer and Member.

Use Of A Weapon — Any incident where the Member or Covered Person either discharges or displays a weapon for the purpose of using the weapon to stop a threat. For purposes of this Policy, a weapon is defined as any firearm, including a handgun, electronic weapon or device, tear gas gun, knife or billie, or any other lawful weapon at their disposal. This term does not include taking the weapon to a location that is prohibited by federal, state or local law, or negligent or unintended displays.

PARTIES TO THE POLICY

This legal expense insurance Policy is administered by the Plan Administrator on behalf of the Insurer. The Plan Administrator shall provide Member or any Covered Persons with a Plan Attorney for any incident covered by this Policy. The Plan Attorney shall perform the legal services described herein.

Member or any Covered Person may receive benefits from the legal services provided by Insurer. The benefits provided under this Policy shall be available to the Member who has paid all Premiums due under the Policy. The legal services described herein shall be available to the Member who applies and pays the appropriate Premium under the Policy. The effective date of the legal services is the day of signup where the first payment is made by the Member. The term of this Policy is twelve (12) months from the effective date. The term of this Policy shall automatically be renewed for twelve (12) months on the anniversary of the effective date, unless the Policy is terminated by the Member or under the express terms of this Policy.

The legal services described herein shall be available to the Member’s minor children if Member tenders the applicable Premiums. Such services shall include protection to Member’s minor children, who shall become Covered Persons upon the payment of the appropriate Premiums. Effective date of the legal services for minor children is the day of signup where the first applicable Premium is paid by the Member.

LEGAL SERVICES & BENEFITS

The Premiums paid by the Member entitles the Covered Persons to the legal services described herein and provided by a Plan Attorney. These services may be used by calling Insurer on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Member, shown on the Declarations Page.

The legal representation provided by this Policy is provided for a Member or any Covered Person by an attorney in any criminal or civil procedure arising from an incident involving a Member or any Covered Person providing that:

Member or Covered Person is, in good standing having paid all applicable Premiums;

Member or Covered Person has a “Use Of A Weapon” in the Covered State as defined above; and

Use Of A Weapon is in a place within the Covered State where the Member or Covered Person is legally permitted to possess a weapon.

Legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This Policy provides no benefit for any incident that occurred prior to the effective date of the Policy or after its termination.

An emergency hotline is maintained and answered 24 hours a day for Member access to a Plan Attorney for legal advice immediately after Use Of A Weapon.

Member or Covered Person access to a Plan Attorney is provided for legal advice regarding carrying and use of weapons and to give on-going legal advice on general weapons law.

If the Member tenders the appropriate Premiums for Multi-State Protection provided by Insurer, the Member and any Covered Persons shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

If the Member tenders the appropriate Premiums to include protection for minor children, Member shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a Use Of A Weapon incident. Minor children are subject to the same limitations and exclusions provided herein.

The Member and Covered Person will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and the applicable emergency hotline telephone number.

LIMITATIONS & EXCLUSIONS

In order for a Member or Covered Person to receive the benefits described in this Policy, at the time of a Use Of A Weapon incident occurs, the Member or Covered Person must be:

in legal possession of a weapon, and

at the time of the Use Of A Weapon the Member must be in a location where Member or Covered Person could legally possess a weapon.

Insurer or Insurer’s Plan Attorney will have no obligations under this Policy to defend or represent a Member or Covered Person if at the time the Member or Covered Person uses his or her weapon, the Member or Covered Person was not in lawful possession of the weapon, or was in a location, without legal justification, where possession of a weapon is illegal under state, federal, or local law or expected or intended injury.

“Bodily injury” or “property damage”, expected or intended, from the standpoint of the Member or Covered Person. This exclusion does not apply to “bodily injury” resulting from the use of reasonable force to protect persons or property.

Costs And Fees Not Covered Under This Contract. This Policy covers all Plan Attorneys’ fees for a covered incident, however, it is expressly understood that any expenses or costs associated with court filing fees, sheriff fees for service of summons or process, deposition and discovery costs, fines, penalties, damages assessed, investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Member and paid directly by the Member. This Policy shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.

This Policy specifically excludes all Hunting Activities including but not limited to criminal charges alleging a violation of criminal hunting of Feral Swine and fishing.

This Policy specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Covered Person’s Use Of A Weapon.

This Policy specifically excludes legal representation in criminal or civil matters arising from the Covered Person’s possession of a weapon in violation of local, state, or federal laws or in the commission of any crime for which justification under state law is inapplicable.

This Policy specifically excludes providing legal representation by a Plan Attorney for any incident, criminal investigation or prosecution arising from the Use Of A Weapon by the Member or Covered Person against the Member or Covered Person’s current or former family member, household or dating relationship as defined in the state statutes or other applicable state law.

This Policy specifically excludes providing legal representation by a Plan Attorney for Members or Covered Persons who use a weapon in the scope of their employment, including but not limited to, a police officer, a peace officer, security guard or military personnel.

This Policy excludes all states except, the state listed on the Declarations Page. This exclusion does not apply if Multi State Coverage has been purchased and is shown on the Declarations Page.

OPERATION & ADMINISTRATION OF PLAN

The Plan is administered by Insurer who shall provide services for Members and Covered Persons whose premiums are current, through Plan Attorneys pursuant to a participating attorney’s contract with Insurer.

Insurer shall enter into contractual agreements with the Plan Attorneys to provide legal services to Member and Covered Persons. The Plan Attorneys shall be selected by Insurer for Members and Covered Persons. No Member or Covered Person is required to consult with or be represented by a Plan Attorney. Each Member and Covered Person is free to consult with any attorney of their choice about any matter, including matters covered by this Policy, at the Members or Covered Person’s sole expense. Member or Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract. Insurer will not pay attorney’s fees to any other attorney other than a Plan Attorney.

Insurer shall maintain complete control over all administrative procedures. Insurer may alter or amend the Policy upon the renewal date of the Member’s policy. Any changes to the Policy shall be made effective only upon renewal of the Policy and shall not act to deprive Member or Covered Person of any service to which they were entitled for matters pending at the time of the change. Member or Covered Person must be notified of any change 30 days in advance of the change.

No change in the Policy is valid until the change has been approved by an executive officer of Insurer and unless such change is endorsed or attached to the Policy. There is no modification of the Policy rates while it is in effect. Policy rates may be modified upon renewal of the Policy on the anniversary date of signup.

This Policy is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses unless expressly covered by this contract.

CANCELLATION OF POLICY & REINSTATEMENT

A Member may terminate the Policy by providing Insurer or Plan Administrator with written notice of the Member’s intent to terminate the Policy and the termination date requested.

Insurer may cancel a Policy by mailing a written notice of cancellation to the Member to the last known address according to the records of Insurer. Insurer must mail notice of cancellation before the 30th day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:

Conviction of a crime arising out of acts increasing the hazard insured against;

Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;

Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;

Changes in the loss exposure which increase the hazard insured against;

A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or

A material increase in the hazard insured against.

If Insurer cancels the Policy of Member due to nonpayment, Insurer must mail notice of cancellation before the tenth (10th) day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and that the Policy is being cancelled because of nonpayment.

The Policy will be reinstated, with full rights and benefits, provided the Policy is not terminated pursuant to subsection c(2) or c(3) above and provided the Member remits to Insurer all Premiums due to bring the Policy to a current status before the termination date.

In the event that the Member terminates their Policy for any reason, or has their membership cancelled, the legal services provided to the Member or any Covered Person shall be ended. If any Member or Covered Person has an active matter at the time of termination, the Plan Attorney shall complete the legal matter unless the Member or Covered Person does not desire to be further represented by the Plan Attorney involved in the matter, or by any other Plan Attorney.

In the event that a membership is terminated by either the Member or the Insurer, the Member shall be entitled to a refund of unearned Premiums on a [pro-rata basis]. However, any monthly premiums that have not been earned by the Insurer shall be returned to Member within 15 working days after the effective date of cancellation, as determined by post mark. Insurer need not return amounts less than [$5.00], unless specifically requested to do so by Member. Likewise, should Member discharge a Plan Attorney as to any active matter without terminating membership of the Policy, no refund of earned Premiums shall be due to the terminated Member.

DUTIES OF MEMBERS In the Event of A Claim

Member has a duty to notify the Insurer or Plan Administrator if a Use Of A Weapon occurs by the Member and any Covered Person, as soon as practicable.

A Member and Covered Person shall:

Fully cooperate with Plan Attorney in a defense at any legal proceeding;

Attend any and all court dates, court hearings, and other official appearances in connection with the claims in an active matter; Keep all appointments with Plan Attorney and, if an expected event occurs that prevents keeping an appointment, the Member or Covered Person shall immediately notify Plan attorney if an appointment cannot be kept.

GENERAL PROVISIONS

The Insurer, as part of the implementation of this Policy, enters into agreements with Plan Attorneys who have agreed to provide services to the Members or Covered Persons under the conditions under each agreement. In none of these instances does the Insurer stand in the position of guarantor as to the honesty, proficiency, accuracy, or resourcefulness of the individual Plan Attorney or firm of Plan Attorney. Accordingly, if any Plan Attorney to whom a Member or Covered Person uses for a legal matter under this Policy performs or omits an act which may give rise to a claim for malpractice, the Member’s or Covered Person’s sole recourse will be against the individual Plan Attorney or Plan Attorney’s firm, that is handling that Member’s or Covered Person’s legal matter.

In the event of a complaint from a Member or Covered Person about a Plan Attorney, Insurer will attempt to resolve the complaint or to transfer the Member or Covered Person to another designated Plan Attorney. Before any such action is taken the Plan Attorney will be given an opportunity to resolve the problem. If the Insurer is unable to find a Plan Attorney willing to perform the services covered by this Policy or if the Plan Attorney is disqualified or otherwise unable to perform the services, the Insurer will select or appoint another Plan Attorney to provide the services to the Member or Covered Person.

In the event that Member or Covered Person should have a problem, complaint, or grievance concerning the legal services provided by the Plan Attorney, the Member or Covered Person may request a conference with the Plan Attorney and the Insurer by contacting the Insurer at the number indicated on the Declarations Page. The Member or Covered Person may request a conference with an impartial third party chosen by mutual agreement between Insurer and Member or Covered Person. A conference shall be held with Insurer, Plan Attorney, Member, Covered Person (if different from the Member) and the impartial third party in an effort to resolve the problem, complaint, or grievance.

Any and all complaints and grievances between any Member or Covered Person and Insurer or any of its affiliates and/or the Plan Attorney and/or any of its affiliates shall be submitted to binding arbitration in Duval County, Florida, pursuant to the terms and provisions of the American Arbitration Association.

Any Member or Covered Person has the right to file a grievance with the Bar Association concerning any Plan Attorney’s conduct. Nothing in this Policy shall be deemed to interfere with the Bar Association’s right to discipline attorneys for a violation of any Bar Association Canon or Rule addressing honesty, integrity, or fair dealing. The grievance resolution machinery addresses only disputes between the Insurer, Plan Attorney, Member or any Covered Person, involving issues including coverage other than legal ethics.

The obligation of the Plan Attorney in providing legal services under this Policy shall be solely to the Member or Covered Person. The Plan Attorney shall maintain the confidentiality of the attorney-client relationship in accordance with the Bar Rules and Codes of Professional Responsibility.

The Insurer may refuse to provide legal services under this Policy, if the Insurer or the Plan Attorney believes that the legal services are in the furtherance of a legal matter which is believed to be clearly frivolous, or which would violate the Bar Rules or Code of Professional Responsibility.

In the event that a Covered Person does not agree with the Plan Attorney’s advice or recommendations, the Plan Attorney may terminate the representation if done pursuant to the Bar Rules or Code of Professional Responsibility. Member or Covered Person may at all times retain counsel other than the Independent Plan Attorney provided under this Policy, however, Member and Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this Policy.

The Insurer is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Member or Covered Person seeks coverage under this Policy for a covered event under this Policy, then Member or Covered Person will have an attorney-client relationship solely with the Plan Attorney and there shall be no interference with that attorney-client relationship by the Insurer. Nothing in this Policy is intended to impair the ability of Member or Covered Person from addressing the conduct of a Plan Attorney with the State Bar Association. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by a Plan Attorney, are required by this Policy to be addressed solely with the Plan Attorney. Member and Covered Person acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this Policy, some owners or employees of Insurer may be licensed attorneys. Those attorneys who are also employees or owners of Insurer are NOT Plan Attorneys under this Policy, will not be providing legal services to Member or Covered Person, and will not have an attorney-client relationship with Member or Covered Person at any time.

There are no subrogation rights under this Policy.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Member or Covered Person by Insurer, Plan Administrator or Plan Attorney. It is further expressly agreed and understood that no other representations have been made to Member or Covered Person, except for those set out in this Policy.

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Accidental Death & Dismemberment Endorsement

SCHEDULE

Coverage

Accidental Death & Dismemberment Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and shown on the Endorsement Schedule or Policy Declarations Page.

This endorsement contains only the principal provisions relating to the coverage and payment of loss described herein. The insurance described is automatically terminated if the Policy is canceled as provided therein or if the person insured ceases to fall within the Member or Covered Person as stated in this endorsement.

Description of Member or Covered Person – As used herein, the Member or Covered Person means only the person(s) listed on the Policy Declarations Page as for whom the specific premium for this coverage is paid.

LIMIT OF LIABILITY

The principal sum, in limits ranging from [$1,000] to [$100,000] in increments of [$1,000] as selected by the Member or Covered Person indicated on the Policy Declarations Page.

Insurance applies only with respect to those coverages for which an amount is specified against loss resulting directly and independently of all other causes for accidental bodily injuries which arise out of the hazards described and are sustained by the Member or Covered Person during the term of the Policy, herein called injuries, to the extent herein provided.

The following description of Coverage’s and Provisions contain the principal provisions relating to coverage and payment of loss:

DEATH, DISMEMBERMENT OR LOSS OF SIGHT – If within ninety (90) days from the date of accident, such injuries shall result in death, dismemberment or loss of sight of the Member or Covered Person, the company will pay:

1. Loss of Life

The Principal Sum

2. Loss of Both Hands, Feet, or Eyes

The Principal Sum

3. Loss of one Hand and one Foot

The Principal Sum

4. Loss of either Hand or Foot

One Half Principal Sum

5. Loss of Sight of one Eye

One Half Principal Sum

6. Loss of Thumb and Index Finger of same Hand

One Half Principal Sum

Loss shall mean with regard to hand or foot, complete severance through or above the wrist or ankle joint, with regard to sight of eyes, entire and irrecoverable loss of sight; with regard to thumb and index finger, complete severance through or above metacarpophalangeal joint.

Subject to the terms of this endorsement the hazards insured against are all those to which the Member or Covered Person may be exposed to due to the Use Of A Weapon as defined in the Policy.

EXCLUSIONS

In addition to the Policy Exclusions, this endorsement does not cover any Accidental Death, Dismemberment or Loss of Sight loss incurred or resulting from the following:

Suicide or any attempt thereof by the Member or Covered Person, or self-destruction or any attempt thereof by the Member or Covered Person; or

Infections except phylogenic infections caused wholly by a covered injury; or

War or any act of war, or accident occurring while the Member or Covered Person is in the military, naval or air service of any country; or

Loss occurring while the Member or Covered Person is operating, or learning to operate, or performing duties as a member of the crew of any aircraft; or

Sickness or disease of any kind including surgical or medical treatment; or

The Member or Covered Person being intoxicated or under the influence of any narcotic unless administered on the advice of a physician and without warning against the Use Of A Weapon while under the influence of the narcotic; or

Hernia of any kind.

GENERAL PROVISIONS

The following provision is added to the Policy as follows:

The Insurer, at its own expense, shall have the right and opportunity to examine the Member or Covered Person whose injury is the basis of claim when and as often as it may reasonably require while a claim is pending hereunder and to make an autopsy in case of death where it is not forbidden by law.

Written notice of claim must be given to the Insurer within 20 days after the occurrence of any loss covered by this endorsement, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the Member or Covered Person to the Insurer at its Administrative Office in Jacksonville, Florida, with information sufficient to identify the Member or Covered Person shall be deemed notice to the Insurer.

Upon receipt of a written notice of claim, Insurer will furnish to the Member or Covered Person such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice the Member or Covered Person shall be deemed to have complied with the requirements of this endorsement as to proof of loss upon submitting, within the time fixed in this endorsement for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made.

Written proof of loss must be furnished to Insurer within 90 days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible.

Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed therein and effective at the time of the payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the Member or Covered Person. Any accrued indemnities unpaid at the Member or Covered Person’s death may, at the option of the Insurer, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the Member or Covered Person.

No action at law or in equity shall be brought to recover on the Policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this endorsement. No such action shall be brought after the expiration of three years after the time written proof of loss is required to be furnished.

Any provision of the Policy, which, on its effective date, is in conflict with the statutes of the state in which the Policy was issued, is hereby amended to conform to the minimum of such statues.

All other terms and conditions remain unchanged.

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HUNTING ACTIVITY ENDORSEMENT

SCHEDULE

Coverage

Hunting Activity Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and is shown on the Endorsement Schedule or Policy Declarations Page.

Exclusion V., c. of the Policy, is deleted and replaced with the following Legal Services Benefit:

Hunting Program Legal Representation Benefits:

A Member in good standing shall be entitled to coverage for the reasonable legal services of a Plan Attorney.

Benefits are limited to:

defense of any criminal charges, by a Plan Attorney, alleging a violation of the Minnesota Statutes Chapters 97 – 101 and Minnesota Administrative Rules Chapters 6200 – 6290 as it pertains to Hunting Activity or fishing, against the Policy Holder;

defense of any criminal charges, by a Plan Attorney, alleging a violation of Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing; or

defense of any civil claims, by a Plan Attorney, brought against the Member and any Covered Person that arises as a direct result of his or her Hunting Activity or fishing.

All such legal representations shall be subject to the limitations and exclusions set forth below.

Hunting Activity – means, in addition to actual hunting, an event or occurrence involving:

the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and

the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: Plan Attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

at the time of the occurrence giving rise to a claim is engaged in a criminal act other than an offense , alleging a violation of the Minnesota Statutes Chapters 97 – 101 and Minnesota Administrative Rules Chapters 6200 – 6290 as it pertains to Hunting Activity or fishing, against the Policy Holder, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity or fishing; or

at the time of the incident giving rise to a claim the Member or any Covered Person was not in lawful possession of the firearm; or

the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of a Member and any Covered Person: The provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in Policy. The provisions of this program shall only apply and be effective for incidents that occur within the State of Minnesota.

This program is intended to provide the Member and any Covered Person with the reasonable legal services of a Plan Attorney. Nothing in this Hunting Activity Endorsement shall be construed or deemed to provide the Member or any Covered Person with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Member or Covered Person, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against the Member or Covered Person.

All other terms and conditions remain unchanged.

Missouri Members: The following is the terms of your membership and the legal services contract that establishes your rights under the program.

U.S. LAW SHIELD OF MISSOURI LEGAL SERVICE CONTRACT

Principal Office – 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

DEFINITIONS

“Independent Contracting Attorney”— An independent, third-party, licensed attorney that U.S. Law Shield of Missouri, LLC contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract. Any references herein to Contracting Attorney, Independent Contracting Attorney, attorney, program attorney, legal services, legal defense, and other similar terms shall refer to an independent, third-party, licensed attorney that U.S. Law Shield of Missouri contract with to provide legal services for the Legal Service Contract Holder.

“Use of a Firearm” or “Other Lawful Weapon”— Any incident where the Legal Service Contract Holder either discharges or displays a firearm (or uses any other lawful weapon at their disposal, including accidental discharges) for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or actually uses the other lawful weapon or not. This term does not include taking the firearm or other lawful weapon to a location that is prohibited by federal, state, or local law.

“Legal Service Contract Holder” — Person who purchased the U.S. Law Shield of Missouri, LLC Legal Service Contract.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield of Missouri, LLC who shall provide Legal Service Contract Holders with a Contracting Attorney for any incident covered by this Legal Service Contract. U.S. Law Shield of Missouri, LLC shall offer the Legal Service Contract in the State of Missouri. The Independent Contracting Attorney shall perform the legal services described herein.

The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of Missouri, LLC. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

The person whose name is on the front of this guide is the sales representative who sold or solicited this Legal Service Contract on behalf of U.S. Law Shield of Missouri, LLC.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup when the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is lawfully terminated pursuant to the terms of this agreement.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependents is the day of signup when the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by an Independent Contracting Attorney and these services may be utilized by calling U.S. Law Shield of Missouri, LLC on the business telephone numbers provided on membership cards, or, in case of emergency, the 24/7 shooting hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an independent contracting attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of Missouri where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Service Contract or after its termination.

An emergency hotline is maintained and answered 24 hours a day for any Legal Service Contract Holder.

Upon request, an Independent Contracting Attorney is provided for legal advice regarding use and carrying of firearms and other lawful weapons.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of Missouri, LLC, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits provided herein and is subject to the limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of Missouri, LLC, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits provided herein and is subject to the limitations and exclusions provided herein.

Legal Service Contract Holder shall receive all of the preceding benefits from Independent Contracting Attorney regardless of payments, performance, consideration, the solvency or continued operations of U.S. Law Shield of Missouri, LLC. Independent Contracting Attorney shall be responsible for providing services whether or not U.S. Law Shield becomes bankrupt or otherwise ceases to function in the anticipated manner. There is no indemnification contracted for by either the administrative unit or the providers of the plan for services or risk contingencies performed by any other entity outside the closed panel.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Services Contract.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Service Contract, at the time of a use of a firearm or other lawful weapon incident occurs, the Legal Service Contract Holder must be in legal possession of the firearm or other lawful weapon, and at the time of the use of the firearm or other lawful weapon, the Legal Service Contract Holder must be in a location where Legal Service Contract Holder could legally possess a firearm or other lawful weapon.

Neither U.S. Law Shield of Missouri, LLC nor U.S. Law Shield of Missouri, LLC’s Independent Contracting Attorney will have any obligations under this contract to provide coverage to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm or other lawful weapon, the Legal Service Contract Holder was not in lawful possession of the firearm or other lawful weapon, or was in a location, without legal justification, where possession of a firearm or other lawful weapon is illegal under state, federal, or local law.

This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Contract Holder’s use of a firearm or other lawful weapon for which justification is available as a defense.

This Legal Service Contract specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm or other lawful weapon, if at the time of the use of the firearm or other lawful weapon, Legal Service Contract Holder was in the commission of any crime using their firearm or other lawful weapon for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Contract specifically excludes providing legal representation from an Independent Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm or other lawful weapon by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship, as defined in applicable state law.

TRANSFERABILITY & REIMBURSEMENT

The Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION OF CONTRACT & REINSTATEMENT

Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of Missouri, LLC with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.

If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought Legal Services under the contract before termination, the Legal Service Contract is void and U.S. Law Shield of Missouri, LLC shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

U.S. Law Shield of Missouri, LLC may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder to the last known address according to the records of U.S. Law Shield of Missouri, LLC. U.S. Law Shield of Missouri, LLC must mail notice before the fifth day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

U.S. Law Shield of Missouri, LLC is not required to provide prior notice of cancellation if the Legal Services Contract is cancelled because of:

Nonpayment;

A material misrepresentation by the Legal Services Contract Holder to U.S. Law Shield of Missouri, LLC;

A substantial breach of a duty by the Legal Services Contract Holder; or

Cancellation of the contract by the Legal Services Contract Holder to U.S. Law Shield of Missouri, LLC.

There shall be a grace period of 31 Days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated pursuant to subsection D(ii) or D(iii) above and provided the Legal Service Contract Holder remits to U.S. Law Shield of Missouri, LLC within a 31 day period all fees necessary to pay the Legal Service Contract to a current status and provided there has been no use of a firearm or other lawful weapon has occurred within during such period.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Services Contract Holder has a duty to promptly notify U.S. Law Shield of Missouri, LLC if a use of a firearm occurs by the Legal Services Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with Independent Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter.

It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Missouri, LLC and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of Missouri, LLC if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of Missouri, LLC of all changes in his or her address or telephone number.

Request for Legal Services may be initiated by calling U.S. Law Shield of Missouri, LLC’s emergency hotline or phoning the office at 1 (877) 448-6839, or through email at support@uslawshield.com

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses’ attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Service Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to, witness fees, witness travel expenses, and/or lodging.

No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of Missouri, LLC and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup.

Marketing/Advertising/Promotional Fees. Legal Service Contract Holder acknowledges and agrees that one or more third-parties may receive compensation in connection with the marketing, sale or advertising of this Legal Service Contract including marketing or advertising fees, salaries, contract payments, facility lease payments, commissions and/or passive commissions as authorized by applicable statutes, laws and rules.

Resolution of Disputes. Any and all complaints, claims, causes of action, suits, disputes or any other legal assertion between the Legal Service Contract Holder and U.S. Law Shield of Missouri, LLC or any of its employees, agents, officers, directors, successors or affiliates shall be submitted to binding arbitration in Harris County, Texas, pursuant to the terms and provisions of the American Arbitration Association. Legal Service Contract Holder expressly waives the right to proceed with any legal action, other than on an individual basis in an arbitration proceeding described herein. Legal Service Contract Holder expressly waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis.

Independence of Contracting Attorneys. U.S. Law Shield of Missouri, LLC is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Legal Service Contract Holder seeks coverage under this agreement for a covered event under this contract, then Legal Service Contract Holder will have an attorney-client relationship solely with the Independent Contracting Attorney and there shall be no interference with that attorney-client relationship by U.S. Law Shield of Missouri, LLC. Nothing in this contract is intended to impair the ability of Legal Service Contract Holder from addressing the conduct of an Independent Contracting Attorney with the State Bar of Missouri. All complaints about the legal services provide, professional misconduct, or claims that services were not provided by an Independent Contracting Attorney, are required by this contract to be addressed solely with the Independent Contracting Attorney. Legal Service Contract Holder acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this contract, some owners or employees of U.S. Law Shield of Missouri, LLC may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Missouri, LLC are NOT Independent Contracting Attorneys under this agreement, will not be providing legal services to Legal Service Contract Holder, and will not have an attorney-client relationship with Legal Service Contract Holder at any time.

Legal Service Contract Holder may at all times retain counsel different than the Independent Contracting Attorney provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights. There are no subrogation rights under this Legal Service Contract.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by U.S. Law Shield of Missouri, LLC or Independent Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this contract.

U.S. Law Shield of Missouri, LLC offers a Prepaid Legal Services Plan in the State of Missouri. This Legal Services Contract is not an insurance contract. A prepaid legal services plan is not an insurance product and is not regulated by the department of insurance, financial institutions and professional registration.

LEGAL SERVICES CONTRACT PRICING
Legal Service Contract Price

Individual: $131.40/year or $10.95/month

Couples: $240.00/year or $10.95/month + $10.95/month ($21.90/month)

Optional Coverage

Multi State Coverage Per Person: $35.40/year or $2.95/month

Minor Children: $24.00/year or $2.00/month

Hunter Shield: $35.40/year or $2.95/month

*New Legal Service Contract Holder Packet, $19.95, is a one-time, per member fee at sign up.

Optional Missouri Hunting Activity Program Addendum
Missouri Hunting and Sporting Activity Program Option

U.S. Law Shield of Missouri, LLC, offers for separate consideration a Hunting Activity program (the “Hunting Program”) as an optional legal service plan that may be added to the U.S. Law Shield of Missouri Firearms Legal Defense Program. The legal services described herein are only available to a U.S. Law Shield of Missouri Legal Service Contract Holder who elects to add this optional service for separate and additional consideration to their U.S. Law Shield of Missouri Firearms Legal Defense Program. In addition to the benefits provided in the U.S. Law Shield of Missouri Firearms Legal Defense Program, the Legal Service Contract Holder who selects and pays separate and additional consideration for the Hunting Program shall receive the Hunting Program Legal Representation Benefits outlined below.

Hunting Program Legal Representation Benefits: If the Legal Service Contract Holder tenders separate consideration for the Hunting Program, a Legal Service Contract Holder in good standing shall be entitled to coverage for the reasonable legal services of an independent program attorney selected and provided by U.S. Law Shield of Missouri, LLC, at no charge. Such benefits are limited to:

1) defense of any criminal charges (by an independent program attorney) alleging a violation of the Wildlife Code of Missouri, as it pertains to Hunting Activity or fishing, against the Legal Service Contract Holder;

2) defense of any criminal charges (by an independent program attorney) alleging a violation of Title 16 of the U.S. Code, or Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder; or

3) defense of any civil claims (by an independent program attorney) brought against the Legal Service Contract Holder that arises as a direct result of his or her Hunting Activity or fishing in Missouri.

All such legal representations shall be subject to the limitations and exclusions set forth below.

“Hunting Activity” – Hunting Activity shall mean, in addition to actual hunting, an event or occurrence within the State of Missouri involving: 1) the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and 2) the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: U.S. Law Shield of Missouri, LLC or U.S. Law Shield of Missouri, LLC’s independent program attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

1) at the time of the occurrence giving rise to a claim the Legal Service Contract Holder is engaged in a criminal act other than an offense alleging a violation of the Wildlife Code of Missouri, as it relates to Hunting Activity or fishing;

2) at the time of the incident giving rise to a claim the Legal Service Contract Holder was not in lawful possession of the firearm, or was not within the borders of the State of Missouri; or

3) the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of Legal Service Contract Holder: the provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in the U.S. Law Shield of Missouri, LLC, Legal Service Contract. The provisions of this program shall only apply and be effective for incidents that occur within the State of Missouri.

This program is intended to provide the Legal Service Contract Holder with the reasonable legal services of an independent program attorney. Nothing in this Hunting Activity Program shall be construed or deemed to provide Legal Service Contract Holder with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Legal Service Contract Holder, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against Legal Service Contract Holder.

New Hampshire Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF NEW HAMPSHIRE, LLC LEGAL SERVICE SUBSCRIPTION CONTRACT

New Hampshire Members: The following is the terms of your membership that establishes your rights under the program.

1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

DEFINITIONS

“Independent Contracting Attorney” — An independent, third-party, licensed attorney that U.S. Law Shield of New Hampshire, LLC contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract. This definition shall apply throughout the entirety of this agreement. Any references herein to Contracting Attorney, Independent Contracting Attorney, attorney, program attorney, legal services, legal defense, and other similar terms shall refer to an independent, third-party, licensed attorney that U.S. Law Shield of New Hampshire, LLC contracts with to provide legal services for the Legal Service Contract Holder.

“Use of a Firearm” or “Other Lawful Weapon” — Any incident where the Legal Service Contract Holder either discharges or displays a firearm (or uses any other lawful weapon at their disposal, including accidental discharges) for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or otherwise actually uses the other lawful weapon or not. This term does not include taking a firearm or other lawful weapon to a location that is prohibited by federal, state, or local law.

“Legal Service Contract” — The present agreement entered into between Legal Service Contract Holder and U.S. Law Shield of New Hampshire, LLC for consideration and under which U.S. Law Shield of New Hampshire, LLC will obtain legal services for the Legal Service Contract Holder through an Independent Contracting Attorney.

“Legal Service Contract Holder” — Person who purchased the U.S. Law Shield of New Hampshire, LLC Legal Service Contract.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield of New Hampshire, LLC who shall provide Legal Service Contract Holders with an Independent Contracting Attorney for any incident covered by this Legal Service Contract. U.S. Law Shield of New Hampshire, LLC shall offer the Legal Service Contract in the State of New Hampshire. The Independent Contracting Attorney shall perform the legal services described herein.

The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of New Hampshire, LLC. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup where the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is lawfully terminated pursuant to the terms of this agreement.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependents is the day of signup where the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by an Independent Contracting Attorney and these services may be utilized by calling U.S. Law Shield of New Hampshire, LLC on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 emergency hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an independent contracting attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of New Hampshire where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination.

An emergency hotline is maintained and answered 24 hours a day for any Legal Service Contract Holder.

Upon request, an Independent Contracting Attorney is provided for legal advice regarding the use and carrying of firearms.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of New Hampshire, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits described herein and is subject to the limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of a Firearm or Other Lawful Weapon.” Minor children are subject to the same limitations and exclusions provided herein.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Service Contract.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Services Contract, at the time of a use of a firearm or other lawful weapon incident occurs, the Legal Service Contract Holder must be in legal possession of a firearm or in legal possession of the other lawful weapon, and at the time of the use of a firearm or other lawful weapon the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm or the other lawful weapon.

Neither U.S. Law Shield of New Hampshire LLC, nor any of U.S. Law Shield of New Hampshire LLC’s Independent Contracting Attorneys will have an obligation under this contract to provide coverage to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm or other lawful weapon, the Legal Service Contract Holder was not in lawful possession of the firearm or other lawful weapon, or was in a location, without legal justification, where possession of a firearm or other lawful weapon is illegal under state, federal, or local law.

This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Service Contract Holder’s use of a firearm or other lawful weapon for which justification is available as a defense.

This Legal Service Contract specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm or other lawful weapon, if at the time of the use of the firearm or other lawful weapon; Legal Service Contract Holder was in the commission of any crime for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Contract specifically excludes providing legal representation from an Independent Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm or other lawful weapon by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship as defined in applicable state law.

TRANSFERABILITY & REIMBURSEMENT

This Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION & REINSTATEMENT

A Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of New Hampshire, LLC with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.

If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Contract is void and U.S. Law Shield of New Hampshire, LLC shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

U.S. Law Shield of New Hampshire, LLC may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder to the last known address according to the records of U.S. Law Shield of New Hampshire, LLC. U.S. Law Shield of New Hampshire LLC must mail notice before the fifth day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

U.S. Law Shield of New Hampshire, LLC is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:

Nonpayment;

A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of New Hampshire, LLC;

A substantial breach of a duty by the Legal Service Contract Holder; or

Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of New Hampshire, LLC.

There shall be a grace period of 31 Days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated pursuant to subsection D(ii) or D(iii) above and provided the Legal Contract Holder remits to U.S. Law Shield of New Hampshire, LLC within a 31 day period all fees necessary to pay the Legal Service Contract to a current status, and provided no use of a firearm or other weapon has occurred during such 31 day period.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of New Hampshire, LLC if a use of a firearm or other lawful weapon occurs by the Legal Service Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with any Independent Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter.

It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of New Hampshire, LLC and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of New Hampshire, LLC if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of New Hampshire, LLC of all changes in his or her address or telephone number.

Request for legal services shall be initiated by calling U.S. Law Shield of New Hampshire, LLC’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@uslawshield.com.

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Service Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.

No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of New Hampshire, LLC and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup.

Marketing/Advertising/Promotional Fees. Legal Service Contract Holder acknowledges and agrees that one or more third-parties may receive compensation in connection with the marketing, sale or advertising of this Legal Service Contract, including marketing or advertising fees, salaries, contract payments, facility lease payments, commissions and/or passive commissions as authorized by applicable statutes, laws and rules.

Resolution of Disputes. Any and all complaints, claims, causes of action, suits, disputes or any other legal assertions between the Legal Service Contract Holder and U.S. Law Shield of New Hampshire, LLC or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in Harris County, New Hampshire, pursuant to the terms and provisions of the American Arbitration Association. Legal Service Contract Holder expressly waives the right to proceed with any legal action, other than on an individual basis in an arbitration proceeding described herein. Legal Service Contract Holder specifically waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis.

Independence of Contracting Attorneys. U.S. Law Shield of New Hampshire, LLC is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Legal Service Contract Holder seeks coverage under this agreement for a covered event under this contract, then Legal Service Contract Holder will have an attorney-client relationship solely with the Contracting Attorney and there shall be no interference with that attorney-client relationship by U.S. Law Shield of New Hampshire, LLC. Nothing in this contract is intended to impair the ability of Legal Service Contract Holder from addressing the conduct of a Contracting Attorney with the State Bar of New Hampshire. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by a Contracting Attorney, are required by this contract to be addressed solely with the Contracting Attorney. Legal Service Contract Holder acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this contract, some owners or employees of U.S. Law Shield of New Hampshire, LLC may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of New Hampshire, LLC are NOT Contracting Attorneys under this agreement, will not be providing legal services to Legal Service Contract Holder, and will not have an attorney-client relationship with Legal Service Contract Holder at any time.

Legal Service Contract Holder may at all times retain counsel other than the Independent Contract Attorney provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights — There are no subrogation rights under this Legal Services Contract.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by U.S. Law Shield of New Hampshire, LLC or Independent Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this contract.

This Legal Service Contract is not an insurance contract.

LEGAL SERVICES CONTRACT PRICING
Legal Service Contract Price

Individual: $131.40/year or $10.95/month

2 Adults: $240.00/year or $10.95/month + $10.95/month ($21.90/month)

Optional Coverage

Multi State Coverage Per Person: $35.40/year or $2.95/month

Minor Children: $24.00/year or $2.00/month

*New Legal Service Contract Holder Packet, $19.95, is a one-time, per member fee at sign up.

New Mexico Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF NEW MEXICO, LLC LEGAL SERVICE CONTRACT
LYNDON SOUTHERN INSURANCE COMPANY

Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

POLICY NUMBER: _____________________________

Insured:

Address:

City:

State:

Zip:

POLICY PERIOD:

Effective: _____________ From ________________ at 12: 01 A.M

FIREARMS LEGAL DEFENSE PROGRAM

DECLARATIONS

In consideration of the payment of premiums and subject to all of the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein to the person insured here under whose name is:
_______________________________________________________________________________________________________________

(herein called “Member”)

The rate of premium of this Policy per month per Member as defined in the Policy is: $________________

If the Member chooses to add coverage for their spouse as defined in the Policy, the rate of premium is: $_______________________

If the Member chooses to add coverage for their minor children as defined in the Policy, the rate of premium is: $____________________

If the Member chooses to add Multi-State Protection as defined in the Policy, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Accidental Death and Dismemberment, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Hunting Activity, the additional rate of premium is: $___________________

This Policy is subject to the laws of the jurisdiction that it is issued in.

The coverage afforded to the Member is only with respect to this Policy as indicated herein. The limit of the Company’s liability shall be as stated in this Policy.

The provisions in the following pages hereof form a part of this Policy are fully incorporated herein over the signatures appearing below.

In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Jacksonville, Florida on the Effective Date of this Policy.

Signed at Our Administrative Office.

Secretary

President

TABLE OF CONTENTS
I. INSURING AGREEMENT

Page 3

II. DEFINITIONS

Page 3

III. PARTIES TO THE POLICY

Page 4

IV. LEGAL SERVICES & BENEFITS

Page 4

V. LIMITATIONS & EXCLUSIONS

Page 5

VI. OPERATION & ADMINISTRATION OF PLAN

Page 5

VII. CANCELLATION OF PLAN & REINSTATMENT

Page 6

VIII. DUTIES OF MEMBERS

Page 7

IX. GENERAL PROVISIONS

Page 7

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

MEMBER POLICY
FIREARMS LEGAL DEFENSE PROGRAM

In consideration of the payment of premiums and subject to the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein.

INSURING AGREEMENT

Lyndon Southern Insurance Company will provide legal services to Members and Covered Persons who legally possess a weapon and has a Use Of A Weapon as determined herein in defense of themselves, other persons, or property.

Various provisions in this Policy restrict coverage.
Read the entire Policy carefully to determine rights, duties and what is and is not covered.

DEFINITIONS

Insurer – Lyndon Southern Insurance Company,[Administrative Office, 10151 Deerwood Park Blvd., Bldg. 100, Suite 500, Jacksonville, FL 32256

Application – Means all signed applications for this Policy, including any attachments, addenda and other materials submitted in conjunction with the signed applications(s).

Covered Person – Means spouse and/or minor children with all premiums paid.

Plan Administrator – Business entity appointed by an Insurer to solicit applications, policyholder services and issue policies.

Member – Person who has submitted an Application, been accepted by the Insurer, and has paid all Premiums due.

Premium(s) – The amount paid for this Policy as described on the Declarations Page.

Plan Attorney – A licensed attorney contracted by the Insurer to provide legal services for the Member and Covered Persons under this Policy.

Policy – This agreement detailing the terms and conditions of this contract of insurance, which has entered into between the Insurer and Member.

Use Of A Weapon – Any incident where the Member or Covered Person either discharges or displays a weapon for the purpose of using the weapon to stop a threat. For purposes of this Policy, a weapon is defined as any firearm, including a handgun, electronic weapon or device, tear gas gun, knife or billie, or any other lawful weapon at their disposal. This term does not include taking the weapon to a location that is prohibited by federal, state or local law, negligent or unintended discharges, or negligent or unintended displays.

PARTIES TO THE POLICY

This legal expense insurance Policy is administered by the Plan Administrator on behalf of the Insurer. The Plan Administrator shall provide Member or any Covered Persons with a Plan Attorney for any incident covered by this Policy. The Plan Attorney shall perform the legal services described herein.

Member or any Covered Person may receive benefits from the legal services provided by Insurer. The benefits provided under this Policy shall be available to the Member who has paid all Premiums due under the Policy. The legal services described herein shall be available to the Member who applies and pays the appropriate Premium under the Policy. The effective date of the legal services is the day of signup where the first payment is made by the Member. The term of this Policy is twelve (12) months from the effective date. The term of this Policy shall automatically be renewed for twelve (12) months on the anniversary of the effective date, unless the Policy is terminated by the Member or under the express terms of this Policy.

The legal services described herein shall be available to the Member’s minor children if Member tenders the applicable Premiums. Such services shall include protection to Member’s minor children, who shall become Covered Persons upon the payment of the appropriate Premiums. Effective date of the legal services for minor children is the day of signup where the first applicable Premium is paid by the Member.

LEGAL SERVICES & BENEFITS

The Premiums paid by the Member entitles the Covered Persons to the legal services described herein and provided by a Plan Attorney. These services may be used by calling Insurer on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Member, shown on the Declarations Page.

The legal representation provided by this Policy is provided for a Member or any Covered Person by an attorney in any criminal or civil procedure arising from an incident involving a Member or any Covered Person providing that:

Member or Covered Person is, in good standing having paid all applicable Premiums;

Member or Covered Person has a “Use Of A Weapon” as defined above; and

Use Of A Weapon is in a place within the State where the Member or Covered Person is legally permitted to possess a weapon.

Legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This Policy provides no benefit for any incident that occurred prior to the effective date of the Policy or after its termination.

An emergency hotline is maintained and answered 24 hours a day for Member access to a Plan Attorney for legal advice immediately after Use Of A Weapon.

Member or Covered Person access to a Plan Attorney is provided for legal advice regarding carrying and use of weapons and to give on-going legal advice on general weapons law.

If the Member tenders the appropriate Premiums for Multi-State Protection provided by Insurer, the Member and any Covered Persons shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

If the Member tenders the appropriate Premiums to include protection for minor children, Member shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a Use Of A Weapon incident. Minor children are subject to the same limitations and exclusions provided herein.

The Member and Covered Person will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and the applicable emergency hotline telephone number.

LIMITATIONS & EXCLUSIONS

In order for a Member or Covered Person to receive the benefits described in this Policy, at the time of a Use Of A Weapon incident occurs, the Member or Covered Person must be:

in legal possession of a weapon, and

at the time of the Use Of A Weapon the Member must be in a location where Member or Covered Person could legally possess a weapon.

Insurer or Insurer’s Plan Attorney will have no obligations under this Policy to defend or represent a Member or Covered Person if at the time the Member or Covered Person uses his or her weapon, the Member or Covered Person was not in lawful possession of the weapon, or was in a location, without legal justification, where possession of a weapon is illegal under state, federal, or local law or expected or intended injury.

“Bodily injury” or “property damage”, expected or intended, from the standpoint of the Member or Covered Person. This exclusion does not apply to “bodily injury” resulting from the use of reasonable force to protect persons or property.

Costs And Fees Not Covered Under This Contract. This Policy covers all Plan Attorneys’ fees for a covered incident, however, it is expressly understood that any expenses or costs associated with court filing fees, sheriff fees for service of summons or process, deposition and discovery costs, fines, penalties, damages assessed, investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Member and paid directly by the Member. This Policy shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.

This Policy specifically excludes all Hunting Activities including but not limited to criminal charges alleging a violation of criminal hunting of Feral Swine and fishing.

This Policy specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Covered Person’s Use Of A Weapon.

This Policy specifically excludes legal representation in criminal or civil matters arising from the Covered Person’s possession of a weapon in violation of local, state, or federal laws or in the commission of any crime for which justification under state law is inapplicable.

This Policy specifically excludes providing legal representation by a Plan Attorney for any incident, criminal investigation or prosecution arising from the Use Of A Weapon by the Member or Covered Person against the Member or Covered Person’s current or former family member, household or dating relationship as defined in the state statutes or other applicable state law.

OPERATION & ADMINISTRATION OF PLAN

The Plan is administered by Insurer who shall provide services for Members and Covered Persons whose premiums are current, through Plan Attorneys pursuant to a participating attorney’s contract with Insurer.

Insurer shall enter into contractual agreements with the Plan Attorneys to provide legal services to Member and Covered Persons. The Plan Attorneys shall be selected by Insurer for Members and Covered Persons. No Member or Covered Person is required to consult with or be represented by a Plan Attorney. Each Member and Covered Person is free to consult with any attorney of their choice about any matter, including matters covered by this Policy, at the Members or Covered Person’s sole expense. Member or Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract. Insurer will not pay attorney’s fees to any other attorney other than a Plan Attorney.

Insurer shall maintain complete control over all administrative procedures. Insurer may alter or amend the Policy upon the renewal date of the Member’s policy. Any changes to the Policy shall be made effective only upon renewal of the Policy and shall not act to deprive Member or Covered Person of any service to which they were entitled for matters pending at the time of the change. Member or Covered Person must be notified of any change 30 days in advance of the change.

No change in the Policy is valid until the change has been approved by an executive officer of Insurer and unless such change is endorsed or attached to the Policy. There is no modification of the Policy rates while it is in effect. Policy rates may be modified upon renewal of the Policy on the anniversary date of signup.

This Policy is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses unless expressly covered by this contract.

CANCELLATION OF POLICY & REINSTATEMENT

A Member may terminate the Policy by providing Insurer or Plan Administrator with written notice of the Member’s intent to terminate the Policy and the termination date requested.

Insurer may cancel a Policy by mailing a written notice of cancellation to the Member to the last known address according to the records of Insurer. Insurer must mail notice of cancellation before the 30th day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:

Conviction of a crime arising out of acts increasing the hazard insured against;

Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;

Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;

Changes in the loss exposure which increase the hazard insured against;

A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or

A material increase in the hazard insured against.

If Insurer cancels the Policy of Member due to nonpayment, Insurer must mail notice of cancellation before the tenth (10th) day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and that the Policy is being cancelled because of nonpayment.

The Policy will be reinstated, with full rights and benefits, provided the Policy is not terminated pursuant to subsection c(2) or c(3) above and provided the Member remits to Insurer all Premiums due to bring the Policy to a current status before the termination date.

In the event that the Member terminates their Policy for any reason, or has their membership cancelled, the legal services provided to the Member or any Covered Person shall be ended. If any Member or Covered Person has an active matter at the time of termination, the Plan Attorney shall complete the legal matter unless the Member or Covered Person does not desire to be further represented by the Plan Attorney involved in the matter, or by any other Plan Attorney.

In the event that a membership is terminated by either the Member or the Insurer, the Member shall be entitled to a refund of unearned Premiums on a [pro-rata basis]. However, any monthly premiums that have not been earned by the Insurer shall be returned to Member within 15 working days after the effective date of cancellation, as determined by post mark. Insurer need not return amounts less than [$5.00], unless specifically requested to do so by Member. Likewise, should Member discharge a Plan Attorney as to any active matter without terminating membership of the Policy, no refund of earned Premiums shall be due to the terminated Member.

DUTIES OF MEMBERS In the Event of A Claim

Member has a duty to notify the Insurer or Plan Administrator if a Use Of A Weapon occurs by the Member and any Covered Person, as soon as practicable.

A Member and Covered Person shall:

Fully cooperate with Plan Attorney in a defense at any legal proceeding;

Attend any and all court dates, court hearings, and other official appearances in connection with the claims in an active matter; Keep all appointments with Plan Attorney and, if an expected event occurs that prevents keeping an appointment, the Member or Covered Person shall immediately notify Plan attorney if an appointment cannot be kept.

GENERAL PROVISIONS

The Insurer, as part of the implementation of this Policy, enters into agreements with Plan Attorneys who have agreed to provide services to the Members or Covered Persons under the conditions under each agreement. In none of these instances does the Insurer stand in the position of guarantor as to the honesty, proficiency, accuracy, or resourcefulness of the individual Plan Attorney or firm of Plan Attorney. Accordingly, if any Plan Attorney to whom a Member or Covered Person uses for a legal matter under this Policy performs or omits an act which may give rise to a claim for malpractice, the Member’s o r Covered Person ’ s sole recourse will be against the individual Plan Attorney or Plan Attorney’s firm, that is handling that Member’s or Covered Person ’ s legal matter.

In the event of a complaint from a Member or Covered Person about a Plan Attorney, Insurer will attempt to resolve the complaint or to transfer the Member or Covered Person to another designated Plan Attorney. Before any such action is taken the Plan Attorney will be given an opportunity to resolve the problem. If the Insurer is unable to find a Plan Attorney willing to perform the services covered by this Policy or if the Plan Attorney is disqualified or otherwise unable to perform the services, the Insurer will select or appoint another Plan Attorney to provide the services to the Member or Covered Person.

In the event that Member or Covered Person should have a problem, complaint, or grievance concerning the legal services provided by the Plan Attorney, the Member or Covered Person may request a conference with the Plan Attorney and the Insurer by contacting the Insurer at the number indicated on the Declarations Page. The Member or Covered Person may request a conference with an impartial third party chosen by mutual agreement between Insurer and Member or Covered Person. A conference shall be held with Insurer, Plan Attorney, Member, Covered Person (if different from the Member) and the impartial third party in an effort to resolve the problem, complaint, or grievance.

Any and all complaints and grievances between any Member or Covered Person and Insurer or any of its affiliates and/or the Plan Attorney and/or any of its affiliates shall be submitted to binding arbitration in Duval County, Florida, pursuant to the terms and provisions of the American Arbitration Association.

Any Member or Covered Person has the right to file a grievance with the Bar Association concerning any Plan Attorney’s conduct. Nothing in this Policy shall be deemed to interfere with the Bar Association’s right to discipline attorneys for a violation of any Bar Association Canon or Rule addressing honesty, integrity, or fair dealing. The grievance resolution machinery addresses only disputes between the Insurer, Plan Attorney, Member or any Covered Person, involving issues including coverage other than legal ethics.

The obligation of the Plan Attorney in providing legal services under this Policy shall be solely to the Member or Covered Person. The Plan Attorney shall maintain the confidentiality of the attorney-client relationship in accordance with the Bar Rules and Codes of Professional Responsibility.

The Insurer may refuse to provide legal services under this Policy, if the Insurer or the Plan Attorney believes that the legal services are in the furtherance of a legal matter which is believed to be clearly frivolous, or which would violate the Bar Rules or Code of Professional Responsibility.

In the event that a Covered Person does not agree with the Plan Attorney’s advice or recommendations, the Plan Attorney may terminate the representation if done pursuant to the Bar Rules or Code of Professional Responsibility. Member or Covered Person may at all times retain counsel other than the Independent Plan Attorney provided under this Policy, however, Member and Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this Policy.

The Insurer is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Member or Covered Person seeks coverage under this Policy for a covered event under this Policy, then Member or Covered Person will have an attorney-client relationship solely with the Plan Attorney and there shall be no interference with that attorney-client relationship by the Insurer. Nothing in this Policy is intended to impair the ability of Member or Covered Person from addressing the conduct of a Plan Attorney with the State Bar Association. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by a Plan Attorney, are required by this Policy to be addressed solely with the Plan Attorney. Member and Covered Person acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this Policy, some owners or employees of Insurer may be licensed attorneys. Those attorneys who are also employees or owners of Insurer are NOT Plan Attorneys under this Policy, will not be providing legal services to Member or Covered Person, and will not have an attorney-client relationship with Member or Covered Person at any time.

There are no subrogation rights under this Policy.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Member or Covered Person by Insurer, Plan Administrator or Plan Attorney. It is further expressly agreed and understood that no other representations have been made to Member or Covered Person, except for those set out in this Policy.

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Accidental Death & Dismemberment Endorsement

SCHEDULE

Coverage

Accidental Death & Dismemberment Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and shown on the Endorsement Schedule or Policy Declarations Page.

This endorsement contains only the principal provisions relating to the coverage and payment of loss described herein. The insurance described is automatically terminated if the Policy is canceled as provided therein or if the person insured ceases to fall within the Member or Covered Person as stated in this endorsement.

Description of Member or Covered Person – As used herein, the Member or Covered Person means only the person(s) listed on the Policy Declarations Page as for whom the specific premium for this coverage is paid.

LIMIT OF LIABILITY

The principal sum, in limits ranging from [$1,000] to [$100,000] in increments of [$1,000] as selected by the Member or Covered Person indicated on the Policy Declarations Page.

Insurance applies only with respect to those coverages for which an amount is specified against loss resulting directly and independently of all other causes for accidental bodily injuries which arise out of the hazards described and are sustained by the Member or Covered Person during the term of the Policy, herein called injuries, to the extent herein provided.

The following description of Coverage’s and Provisions contain the principal provisions relating to coverage and payment of loss:

DEATH, DISMEMBERMENT OR LOSS OF SIGHT – If within ninety (90) days from the date of accident, such injuries shall result in death, dismemberment or loss of sight of the Member or Covered Person, the company will pay:

1. Loss of Life

The Principal Sum

2. Loss of Both Hands, Feet, or Eyes

The Principal Sum

3. Loss of one Hand and one Foot

The Principal Sum

4. Loss of either Hand or Foot

One Half Principal Sum

5. Loss of Sight of one Eye

One Half Principal Sum

6. Loss of Thumb and Index Finger of same Hand

One Half Principal Sum

Loss shall mean with regard to hand or foot, complete severance through or above the wrist or ankle joint, with regard to sight of eyes, entire and irrecoverable loss of sight; with regard to thumb and index finger, complete severance through or above metacarpophalangeal joint.

Subject to the terms of this endorsement the hazards insured against are all those to which the Member or Covered Person may be exposed to due to the Use Of A Weapon as defined in the Policy.

EXCLUSIONS

In addition to the Policy Exclusions, this endorsement does not cover any Accidental Death, Dismemberment or Loss of Sight loss incurred or resulting from the following:

1. Suicide or any attempt thereof by the Member or Covered Person, or self-destruction or any attempt thereof by the Member or Covered Person; or

2. Infections except phylogenic infections caused wholly by a covered injury; or

3. War or any act of war, or accident occurring while the Member or Covered Person is in the military, naval or air service of any country; or

4. Loss occurring while the Member or Covered Person is operating, or learning to operate, or performing duties as a member of the crew of any aircraft; or

5. Sickness or disease of any kind including surgical or medical treatment; or

6. The Member or Covered Person being intoxicated or under the influence of any narcotic unless administered on the advice of a physician and without warning against the Use Of A Weapon while under the influence of the narcotic; or

7. Hernia of any kind.

GENERAL PROVISIONS

The following provision is added to the Policy as follows:

1. The Insurer, at its own expense, shall have the right and opportunity to examine the Member or Covered Person whose injury is the basis of claim when and as often as it may reasonably require while a claim is pending hereunder and to make an autopsy in case of death where it is not forbidden by law.

2. Written notice of claim must be given to the Insurer within 20 days after the occurrence of any loss covered by this endorsement, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the Member or Covered Person to the Insurer at its Administrative Office in Jacksonville, Florida, with information sufficient to identify the Member or Covered Person shall be deemed notice to the Insurer.

3. Upon receipt of a written notice of claim, Insurer will furnish to the Member or Covered Person such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice the Member or Covered Person shall be deemed to have complied with the requirements of this endorsement as to proof of loss upon submitting, within the time fixed in this endorsement for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made.

4. Written proof of loss must be furnished to Insurer within 90 days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible.

5. Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed therein and effective at the time of the payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the Member or Covered Person. Any accrued indemnities unpaid at the Member or Covered Person’s death may, at the option of the Insurer, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the Member or Covered Person.

6. No action at law or in equity shall be brought to recover on the Policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this endorsement. No such action shall be brought after the expiration of three years after the time written proof of loss is required to be furnished.

7. Any provision of the Policy, which, on its effective date, is in conflict with the statutes of the state in which the Policy was issued, is hereby amended to conform to the minimum of such statues.

All other terms and conditions remain unchanged.

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HUNTING ACTIVITY ENDORSEMENT

SCHEDULE

Coverage

Hunting Activity Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and is shown on the Endorsement Schedule or Policy Declarations Page.

Exclusion V., c. of the Policy, is deleted and replaced with the following Legal Services Benefit:

Hunting Program Legal Representation Benefits:

A Member in good standing shall be entitled to coverage for the reasonable legal services of a Plan Attorney.

Benefits are limited to:

1. defense of any criminal charges, by a Plan Attorney, alleging:

a violation of Title 19, New Mexico Administrative Code as it pertains to Hunting Activity or fishing, against the Policy Holder; or

Feral Swine prohibited acts related to such swine; penalties; appeals; destruction of such swine, as they pertain to Hunting Activity or fishing, against the Member and any Covered Person.

2. defense of any criminal charges, by a Plan Attorney, alleging a violation of Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing; or

3. defense of any civil claims, by a Plan Attorney, brought against the Member and any Covered Person that arises as a direct result of his or her Hunting Activity or fishing.

All such legal representations shall be subject to the limitations and exclusions set forth below.

Hunting Activity – means, in addition to actual hunting, an event or occurrence involving:

1. the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and

2. the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: Plan Attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

1. at the time of the occurrence giving rise to a claim is engaged in a criminal act other than an offense alleging a violation of Title 19, New Mexico Administrative Code as it pertains to Hunting Activity or fishing Feral Swine, prohibited acts related to swine; penalties; appeals; destruction of swine, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity or fishing; or

2. at the time of the incident giving rise to a claim the Member or any Covered Person was not in lawful possession of the firearm; or

3. the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of a Member and any Covered Person: The provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in Policy.

This program is intended to provide the Member and any Covered Person with the reasonable legal services of a Plan Attorney. Nothing in this Hunting Activity Endorsement shall be construed or deemed to provide the Member or any Covered Person with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Member or Covered Person, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against the Member or Covered Person.

All other terms and conditions remain unchanged.

North Carolina Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF NORTH CAROLINA LEGAL SERVICE CONTRACT

Principal Office – 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

DEFINITIONS

“Independent Contracting Attorney” – An independent, third-party, licensed attorney that U.S. Law Shield of North Carolina contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract. This definition shall apply throughout the entirety of this agreement. Any references herein to Contracting Attorney, Independent Contracting Attorney, attorney, program attorney, legal services, legal defense, and other similar terms shall refer to an independent, third-party, licensed attorney that U.S. Law Shield of North Carolina contracts with to provide legal services for the Legal Service Contract Holder.

“Use of a Firearm or Other Lawful Weapon” – Any incident where the Legal Service Contract Holder either discharges or displays a firearm (or uses any other lawful weapon at their disposal, including accidental discharges) for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or otherwise actually uses the other lawful weapon or not. This term does not include taking the firearm or other weapon to a location that is prohibited by federal, state, or local law.

“Legal Service Contract” – The present agreement entered into between Legal Service Contract Holder and U.S. law Shield of Georgia, LLC d/b/a U.S. Law Shield of North Carolina for consideration and under which U.S. Law Shield of North Carolina will obtain legal services for the Legal Service Contract Holder through an Independent Contracting Attorney.

“Legal Service Contract Holder” – Person who purchased the U.S. Law Shield of North Carolina Legal Service Contract.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield of North Carolina who shall provide Legal Service Contract Holders with an Independent Contracting Attorney for any incident covered by this Legal Service Contract. U.S. Law Shield of North Carolina shall offer the Legal Service Contract in the State of North Carolina. The Independent Contracting Attorney shall perform the legal services described herein.

The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of North Carolina. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

The person whose name is on the front of this guide is the sales representative who sold or solicited this Legal Service Contract on behalf of U.S. Law Shield of North Carolina.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup when the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is lawfully terminated pursuant to the terms of this agreement.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependents is the day of signup where the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by an Independent Contracting Attorney and these services may be utilized by calling U.S. Law Shield of North Carolina on the business telephone numbers provided on membership cards, or, in case of emergency, the 24/7 shooting hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an Independent Contracting Attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of North Carolina where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction. It shall not include appeals of a trial court’s judgment to a court of appeals. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination. This contract is “pre-paid” in nature. It does not provide coverage for legal needs existing prior to membership.

An emergency hotline is maintained and answered 24 hours a day for any Legal Service Contract Holder.

Upon request, an Independent Contracting Attorney is provided for legal advice regarding the use and carrying of firearms and other lawful weapons.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of North Carolina, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits provided herein and is subject to the limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of Firearm or Other Lawful Weapon.” Minor children are subject to the same limitations and exclusions provided herein.

Legal Service Contract Holder shall receive all of the preceding benefits from Independent Contracting Attorney regardless of payments, performance, consideration, the solvency or continued operations of U.S. Law Shield of North Carolina. Independent Contracting Attorney shall be responsible for providing services whether or not U.S. Law Shield becomes bankrupt or otherwise ceases to function in the anticipated manner. There is no indemnification contracted for by either the administrative unit or the providers of the plan for services or risk contingencies performed by any other entity outside the closed panel.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Service Contract.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Services Contract, at the time a use of a firearm or other lawful weapon incident occurs, the Legal Service Contract Holder must be in legal possession of the firearm or other lawful weapon, and at the time of the use of the firearm or other lawful weapon, the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm or the other lawful weapon.

Neither U.S. Law Shield of North Carolina, nor U.S. Law Shield of North Carolina’s Independent Contracting Attorneys will have any obligation under this contract to provide coverage to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm or other lawful weapon, the Legal Service Contract Holder was not in lawful possession of the firearm or other lawful weapon, or was in a location, without legal justification, where possession of a firearm or other lawful weapon is illegal under state, federal, or local law.

This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Service Contract Holder’s use of a firearm or other lawful weapon for which justification is available as a defense.

This Legal Service Contract specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm or other lawful weapon, if at the time of the use of the firearm or other lawful weapon, Legal Service Contract Holder was in the commission of any crime using their firearm or other lawful weapon for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Contract specifically excludes providing legal representation from an Independent Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm or other lawful weapon by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship, as defined in applicable state law.

TRANSFERABILITY & REIMBURSEMENT

The Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION OF CONTRACT & REINSTATEMENT

Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of North Carolina with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.

If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Contract is void and U.S. Law Shield of North Carolina shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

U.S. Law Shield of North Carolina may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder to the last known address according to the records of U.S. Law Shield of North Carolina. U.S. Law Shield of North Carolina must mail notice before the fifth day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

U.S. Law Shield of North Carolina is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:

Nonpayment;

A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of North Carolina;

A substantial breach of a duty by the Legal Service Contract Holder; or

Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of North Carolina.

There shall be a grace period of 31 Days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated pursuant to subsection D(ii) or D(iii) above and provided the Legal Contract Holder remits to U.S. Law Shield of North Carolina within a 31 day period all fees necessary to pay the Legal Service Contract to a current status and provided no use of a firearm or other lawful weapon has occurred during such period.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of North Carolina if a use of a firearm or other lawful weapon occurs by the Legal Services Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with Independent Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter.

It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of North Carolina and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of North Carolina if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of North Carolina of all changes in his or her address or telephone number.

Request for legal services shall be initiated by calling U.S. Law Shield of New Jersey’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@uslawshield.com

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses’ attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Services Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including, but not limited to, witness fees, witness travel expenses, and/or lodging, and shall not cover court costs, bonds and expenses related to appeals, records and transcripts.

It is expressly understood that any expenses associated with an appeal taken to the Court of Appeals or the Supreme Court, petition for discretionary review to the Supreme Court, or any other form of appellate review, whether in state or federal court, is not covered by this Legal Service Contract.

No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of North Carolina and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup.

Marketing/Advertising/Promotional Fees. Legal Service Contract Holder acknowledges and agrees that one or more third-parties may receive compensation in connection with the marketing, sale or advertising of this Legal Service Contract, including marketing or advertising fees, salaries, contract payments, facility lease payments, commissions and/or passive commissions as authorized by applicable statutes, laws and rules.

Resolution of Disputes. Any and all complaints, claims, causes of action, suits, disputes or any other legal assertions between the Legal Service Contract Holder and U.S. Law Shield of North Carolina or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in North Carolina, pursuant to the terms and provisions of the American Arbitration Association. Legal Service Contract Holder expressly waives the right to proceed with any legal action, other than on an individual basis in an arbitration proceeding described herein. Legal Service Contract Holder specifically waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis.

Independence of Contracting Attorneys. U.S. Law Shield of North Carolina is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Legal Service Contract Holder seeks coverage under this agreement for a covered event under this contract, then Legal Service Contract Holder will have an attorney-client relationship solely with the Independent Contracting Attorney and there shall be no interference with that attorney-client relationship by U.S. Law Shield of North Carolina. Nothing in this contract is intended to impair the ability of Legal Service Contract Holder from addressing the conduct of a Contracting Attorney with the State Bar of North Carolina. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by an Independent Contracting Attorney, are required by this contract to be addressed solely with the Independent Contracting Attorney. Legal Service Contract Holder acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this contract, some owners or employees of U.S. Law Shield of Georgia, LLC may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Georgia, LLC are NOT Contracting Attorneys under this agreement, will not be providing legal services to Legal Service Contract Holder, and will not have an attorney-client relationship with Legal Service Contract Holder at any time.

Legal Service Contract Holder may at all times retain counsel different than the Independent Contracting Attorney provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights – There are no subrogation rights under this Legal Services Contract.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by U.S. Law Shield of North Carolina or Independent Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this contract.

U.S. Law Shield of Georgia, LLC conducts offers this legal service plan in the State of North Carolina and conducts business as a prepaid legal plan under the name U.S. Law Shield of North Carolina.

LEGAL SERVICES CONTRACT PRICING
Legal Service Contract Price

Individual: $131.40/year or $10.95/month

Couples: $240.00/year or $10.95/month + $10.95/month ($21.90/month)

Optional Coverage

Multi State Coverage Per Person: $35.40/year or $2.95/month

Minor Children: $24.00/year or $2.00/month

Hunter Shield: $35.40/year or $2.95/month

*New Legal Service Contract Holder Packet, $19.95, is a one-time, per member fee at sign up.

Optional North Carolina Hunting Activity Program Addendum

U.S. Law Shield of North Carolina offers for separate consideration a Hunting Activity program (the “Hunting Program”) as an optional legal service plan that may be added to the U.S. Law Shield of North Carolina Firearms Legal Defense Program. The legal services described herein are only available to a U.S. Law Shield of North Carolina Legal Service Contract Holder who elects to add this optional service for separate and additional consideration to their U.S. Law Shield of North Carolina Firearms Legal Defense Program. In addition to the benefits provided in the U.S. Law Shield of North Carolina Firearms Legal Defense Program, the Legal Service Contract Holder who selects and pays separate and additional consideration for the Hunting Program shall receive the Hunting Program Legal Representation Benefits outlined below.

Hunting Program Legal Representation Benefits: If the Legal Service Contract Holder tenders separate consideration for the Hunting Program, a Legal Service Contract Holder in good standing shall be entitled to coverage for the reasonable legal services of an independent program attorney selected and provided by U.S. Law Shield of North Carolina at no charge. Such benefits are limited to:

1) defense of any criminal charges (by an independent program attorney) alleging a violation of regulations found in the North Carolina Inland Fishing, Hunting, and Trapping Regulations Digest, as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder;

2) defense of any criminal charges (by an independent program attorney) alleging a violation of Title 16 of the U.S. Code, or Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder; or

3) defense of any civil claims (by an independent program attorney) brought against the Legal Service Contract Holder that arises as a direct result of his or her Hunting Activity or fishing in North Carolina.

All such legal representations shall be subject to the limitations and exclusions set forth below.

“Hunting Activity” – Hunting Activity shall mean, in addition to actual hunting, an event or occurrence within the State of North Carolina involving: 1) the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and 2) the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: U.S. Law Shield of North Carolina or U.S. Law Shield of North Carolina’s independent program attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

1) at the time of the occurrence giving rise to a claim the Legal Service Contract Holder is engaged in a criminal act other than an offense alleging a violation of regulations found in the North Carolina Inland Fishing, Hunting, and Trapping Regulations Digest, or Title 16 of the U.S. Code, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity or fishing;

2) at the time of the incident giving rise to a claim the Legal Service Contract Holder was not in lawful possession of the firearm, or was not within the borders of the State of North Carolina; or

3) the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of Legal Service Contract Holder: the provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in the U.S. Law Shield of North Carolina Legal Service Contract. The provisions of this program shall only apply and be effective for incidents that occur within the State of North Carolina.

This program is intended to provide the Legal Service Contract Holder with the reasonable legal services of an independent program attorney. Nothing in this Hunting Activity Program shall be construed or deemed to provide Legal Service Contract Holder with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Legal Service Contract Holder, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against Legal Service Contract Holder.

State Members: The following is the terms of your membership and the legal services contract that establishes your rights under the program.

OHIO LAW SHIELD, LLP LEGAL SERVICE CONTRACT

1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

DEFINITIONS

“Independent Contracting Attorney” — An independent, third-party, licensed attorney that U.S. Law Shield of Ohio, LLC contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract. This definition shall apply throughout the entirety of this agreement. Any references herein to Contracting Attorney, Independent Contracting Attorney, attorney, program attorney, legal services, legal defense, and other similar terms shall refer to an independent, third-party, licensed attorney that U.S. Law Shield of Ohio, LLC contracts with to provide legal services for the Legal Service Contract Holder.

“Use of a Firearm or Other Lawful Weapon” — Any incident where the Legal Service Contract Holder either discharges or displays a firearm (or uses any other lawful weapon at their disposal, including accidental discharges) for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or otherwise actually uses the other lawful weapon or not. This term does not include taking the firearm or other weapon to a location that is prohibited by federal, state, or local law.

“Legal Service Contract” — The present agreement entered into between Legal Service Contract Holder and U.S. Law Shield of Ohio, LLC for consideration and under which U.S. Law Shield of Ohio, LLC will obtain legal services for the Legal Service Contract Holder through an Independent Contracting Attorney.

“Legal Service Contract Holder” — Person who purchased the U.S. Law Shield of Ohio, LLC Legal Service Contract.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield of Ohio, LLC who shall provide Legal Service Contract Holders with an Independent Contracting Attorney for any incident covered by this Legal Service Contract. U.S. Law Shield of Ohio, LLC shall offer the Legal Service Contract in the State of Ohio. The Independent Contracting Attorney shall perform the legal services described herein.

The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of Ohio, LLC. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

The person whose name is on the front of this guide is the sales representative who sold or solicited this Legal Service Contract on behalf of U.S. Law Shield of Ohio, LLC.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup when the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is lawfully terminated pursuant to the terms of this agreement.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependents is the day of signup where the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by an Independent Contracting Attorney and these services may be utilized by calling U.S. Law Shield of Ohio, LLC on the business telephone numbers provided on membership cards, or, in case of emergency, the 24/7 shooting hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an independent contracting attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of Ohio where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination.

An emergency hotline is maintained and answered 24 hours a day for any Legal Service Contract Holder.

Upon request, an Independent Contracting Attorney is provided for legal advice regarding the use and carrying of firearms and other lawful weapons.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of Ohio, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits provided herein and is subject to the limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of Firearm or Other Lawful Weapon.” Minor children are subject to the same limitations and exclusions provided herein.

Legal Service Contract Holder shall receive all of the preceding benefits from Independent Contracting Attorney regardless of payments, performance, consideration, the solvency or continued operations of U.S. Law Shield of Ohio, LLC. Independent Contracting Attorney shall be responsible for providing services whether or not U.S. Law Shield becomes bankrupt or otherwise ceases to function in the anticipated manner. There is no indemnification contracted for by either the administrative unit or the providers of the plan for services or risk contingencies performed by any other entity outside the closed panel.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Service Contract.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Services Contract, at the time a use of a firearm or other lawful weapon incident occurs, the Legal Service Contract Holder must be in legal possession of the firearm or other lawful weapon, and at the time of the use of the firearm or other lawful weapon, the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm or the other lawful weapon.

Neither U.S. Law Shield of Ohio LLC, nor U.S. Law Shield of Ohio LLC’s Independent Contracting Attorneys will have any obligation under this contract to provide coverage to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm or other lawful weapon, the Legal Service Contract Holder was not in lawful possession of the firearm or other lawful weapon, or was in a location, without legal justification, where possession of a firearm or other lawful weapon is illegal under state, federal, or local law.

This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Service Contract Holder’s use of a firearm or other lawful weapon for which justification is available as a defense.

This Legal Service Contract specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm or other lawful weapon, if at the time of the use of the firearm or other lawful weapon, Legal Service Contract Holder was in the commission of any crime using their firearm or other lawful weapon for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Contract specifically excludes providing legal representation from an Independent Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm or other lawful weapon by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship, as defined in applicable state law.

TRANSFERABILITY & REIMBURSEMENT

The Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION OF CONTRACT & REINSTATEMENT

Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of Ohio, LLC with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.

If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Contract is void and U.S. Law Shield of Ohio, LLC shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

U.S. Law Shield of Ohio, LLC may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder to the last known address according to the records of U.S. Law Shield of Ohio, LLC. U.S. Law Shield of Ohio LLC must mail notice before the fifth day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

U.S. Law Shield of Ohio, LLC is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:

Nonpayment;

A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of Ohio, LLC;

A substantial breach of a duty by the Legal Service Contract Holder; or

Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of Ohio, LLC.

There shall be a grace period of 31 Days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated pursuant to subsection D(ii) or D(iii) above and provided the Legal Contract Holder remits to U.S. Law Shield of Ohio, LLC within a 31 day period all fees necessary to pay the Legal Service Contract to a current status and provided no use of a firearm or other lawful weapon has occurred during such period.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of Ohio, LLC if a use of a firearm or other lawful weapon occurs by the Legal Services Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with Independent Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter.

It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Ohio, LLC and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of Ohio, LLC if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of Ohio, LLC of all changes in his or her address or telephone number.

Request for legal services shall be initiated by calling U.S. Law Shield of Ohio, LLC’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@uslawshield.com

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses’ attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Services Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including, but not limited to, witness fees, witness travel expenses, and/or lodging, and shall not cover court costs, bonds and expenses related to appeals, records and transcripts.

No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of Ohio, LLC and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup.

Marketing/Advertising/Promotional Fees. Legal Service Contract Holder acknowledges and agrees that one or more third-parties may receive compensation in connection with the marketing, sale or advertising of this Legal Service Contract, including marketing or advertising fees, salaries, contract payments, facility lease payments, commissions and/or passive commissions as authorized by applicable statutes, laws and rules.

Resolution of Disputes. Any and all complaints, claims, causes of action, suits, disputes or any other legal assertions between the Legal Service Contract Holder and U.S. Law Shield of Ohio, LLC or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in Harris County, Texas, pursuant to the terms and provisions of the American Arbitration Association. Legal Service Contract Holder expressly waives the right to proceed with any legal action, other than on an individual basis in an arbitration proceeding described herein. Legal Service Contract Holder specifically waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis.

Independence of Contracting Attorneys. U.S. Law Shield of Ohio, LLC is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Legal Service Contract Holder seeks coverage under this agreement for a covered event under this contract, then Legal Service Contract Holder will have an attorney-client relationship solely with the Independent Contracting Attorney and there shall be no interference with that attorney-client relationship by U.S. Law Shield of Ohio, LLC. Nothing in this contract is intended to impair the ability of Legal Service Contract Holder from addressing the conduct of a Contracting Attorney with the State Bar of Ohio. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by an Independent Contracting Attorney, are required by this contract to be addressed solely with the Independent Contracting Attorney. Legal Service Contract Holder acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this contract, some owners or employees of U.S. Law Shield of Ohio, LLC may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Ohio, LLC are NOT Contracting Attorneys under this agreement, will not be providing legal services to Legal Service Contract Holder, and will not have an attorney-client relationship with Legal Service Contract Holder at any time.

Legal Service Contract Holder may at all times retain counsel different than the Independent Contracting Attorney provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights — There are no subrogation rights under this Legal Services Contract.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by U.S. Law Shield of Ohio, LLC or Independent Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this contract.

U.S. Law Shield of Ohio, LLC offers a legal service plan in the State of Ohio. This Legal Service Contract is not an insurance contract.

LEGAL SERVICES CONTRACT PRICING
Legal Service Contract Price

Individual: $131.40/year or $10.95/month

Couples: $240.00/year or $10.95/month + $10.95/month ($21.90/month)

Optional Coverage

Multi State Coverage Per Person: $35.40/year or $2.95/month

Minor Children: $24.00/year or $2.00/month

Hunter Shield: $35.40/year or $2.95/month

*New Legal Service Contract Holder Packet, $19.95, is a one-time, per member fee at sign up.

Optional Ohio Hunting Activity Program Addendum
Ohio Hunting and Sporting Activity Program Option

U.S. Law Shield of Ohio, LLC, offers for separate consideration a Hunting Activity program (the “Hunting Program”) as an optional legal service plan that may be added to the U.S. Law Shield of Ohio Firearms Legal Defense Program. The legal services described herein are only available to a U.S. Law Shield of Ohio Legal Service Contract Holder who elects to add this optional service for separate and additional consideration to their U.S. Law Shield of Ohio Firearms Legal Defense Program. In addition to the benefits provided in the U.S. Law Shield of Ohio Firearms Legal Defense Program, the Legal Service Contract Holder who selects and pays separate and additional consideration for the Hunting Program shall receive the Hunting Program Legal Representation Benefits outlined below.

Hunting Program Legal Representation Benefits: If the Legal Service Contract Holder tenders separate consideration for the Hunting Program, a Legal Service Contract Holder in good standing shall be entitled to coverage for the reasonable legal services of an independent program attorney selected and provided by U.S. Law Shield of Ohio, LLC, at no charge. Such benefits are limited to:

1) defense of any criminal charges (by an independent program attorney) alleging a violation of Chapter 1533 of the Ohio Statutes, as it pertains to Hunting Activity or fishing, against the Legal Service Contract Holder;

2) defense of any criminal charges (by an independent program attorney) alleging a violation of Title 16 of the U.S. Code, or Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder; or

3) defense of any civil claims (by an independent program attorney) brought against the Legal Service Contract Holder that arises as a direct result of his or her Hunting Activity or fishing in Ohio.

All such legal representations shall be subject to the limitations and exclusions set forth below.

“Hunting Activity” – Hunting Activity shall mean, in addition to actual hunting, an event or occurrence within the State of Ohio involving: 1) the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and 2) the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: U.S. Law Shield of Ohio, LLC or U.S. Law Shield of Ohio, LLC’s independent program attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

1) at the time of the occurrence giving rise to a claim the Legal Service Contract Holder is engaged in a criminal act other than an offense alleging a violation of Chapter 1533 of the Ohio Statutes, or Title 16 of the U.S. Code, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity or fishing;

2) at the time of the incident giving rise to a claim the Legal Service Contract Holder was not in lawful possession of the firearm, or was not within the borders of the State of Ohio; or

3) the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of Legal Service Contract Holder: the provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in the U.S. Law Shield of Ohio, LLC, Legal Service Contract. The provisions of this program shall only apply and be effective for incidents that occur within the State of Ohio.

This program is intended to provide the Legal Service Contract Holder with the reasonable legal services of an independent program attorney. Nothing in this Hunting Activity Program shall be construed or deemed to provide Legal Service Contract Holder with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Legal Service Contract Holder, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against Legal Service Contract Holder.

Oklahoma Members: The following is the terms of your membership that establishes your rights under the program.

US LAW SHIELD OF OKLAHOMA TERMS OF MEMBERSHIP

Oklahoma Members: The following is the terms of your membership that establishes your rights under the program.

1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

DEFINITIONS

“Contracting Attorney” — A licensed attorney that U.S. Law Shield of Oklahoma, LLC contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Plan.

“Use of a Firearm or Other Lawful Weapon” — Any incident where the Legal Service Contract Holder either discharges or displays a firearm (or uses any other lawful weapon, including accidental discharges) for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or otherwise actually uses the other lawful weapon or not. This term does not include taking the firearm to a location that is prohibited by federal, state, or local law.

“Legal Service Plan” — The agreement entered into between Legal Service Contract Holder and U.S. Law Shield of Oklahoma, LLC for consideration and under which U.S. Law Shield of Oklahoma, LLC will obtain legal services for the Legal Service Contract Holder through a Contracting Attorney.

“Legal Service Contract Holder” — Person who purchased the U.S. Law Shield of Oklahoma, LLC’s Legal Service Plan.

PARTIES

The Legal Service Plan is administered by U.S. Law Shield of Oklahoma, LLC who shall provide Legal Service Contract Holder with a Contracting Attorney for any incident covered by this Legal Service Plan. U.S. Law Shield of Oklahoma, LLC shall offer the Legal Service Plan in the State of Oklahoma. The Contracting Attorney shall perform the legal services described herein.

The person purchasing the legal service plan is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of Oklahoma, LLC. The benefits provided under the Legal Service Plan shall be available to the Legal Service Contract Holder whose payments are current.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Plan. The effective date of the legal services is the day of signup when the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is terminated by either party, as described herein.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. The effective date of the legal services for dependents is the day of signup where the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by a Contracting Attorney and these services may be utilized by calling U.S. Law Shield of Oklahoma, LLC on the business telephone numbers provided on membership cards, or in case of emergency, the 24/7 shooting hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an independent contracting attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of Oklahoma where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination.

An emergency hotline is maintained and answered 24 hours a day by a Contracting Attorney for legal advice immediately after use of a firearm for any Legal Service Contract Holder.

A Contracting Attorney is provided for legal advice regarding use and carrying of firearms.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and Washington D. C. Multi-State Protection is subject to the limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of Firearm” incident. Minor children are subject to the same limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration for the Expert Witness/Bail Bond programs, as additional legal services, Legal Service Contract Holder shall pay no additional fee to the Contracting Attorney(s) for additional services including, as applicable to the particular program: an expert witness; and/or depositions, and/or Contracting Attorney assistance in procuring licensed bail bond services, with bail up to $25,000.00 (typically a $2,500.00 bond fee). With respect to the Bail program, Members shall be responsible for all other requirements to obtain such a bond from a licensed bondsman, including collateral, guarantors, overages, etc. The Bail program is not an offer for U.S. Law Shield of Oklahoma, LLC or the Contracting Attorney to act as surety for the Member and Member hereby affirmatively agrees that this is not a surety agreement of any sort. With respect to the Expert Witness program, if the Contracting Attorney determines a necessity for an expert witness, Legal Service Contract Holder shall be provided with an expert who has agreed to U.S. Law Shield of Oklahoma, LLC’s standard terms of engagement in the area of reasonableness and justification of the use of force or deadly force under the law. Legal Service Contract Holder may at all times employ any other expert witnesses different than any provided under this contract, however Legal Service Contract Holder shall be responsible for all fees, costs and expenses of any different expert witnesses and shall receive no reimbursement under this contract.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Service Plan.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Services Contract, at the time a use of a firearm incident occurs, the Legal Service Contract Holder must be in legal possession of a firearm, and at the time of the use of a firearm the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm.

U.S. Law Shield of Oklahoma, LLC or U.S. Law Shield of Oklahoma, LLC’s Contracting Attorney will have no obligations under this contract to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm, the Legal Service Contract Holder was not in lawful possession of the firearm, or was in a location, without legal justification, where possession of a firearm is illegal under state, federal, or local law.

This Legal Service Plan specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Contract Holder’s use of a firearm.

This Legal Service Plan specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm, if at the time of the use of the firearm Legal Service Contract Holder was in the commission of any crime using their firearm for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Plan specifically excludes providing legal representation from a Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship as defined by applicable state or federal law.

TRANSFERABILITY & REIMBURSEMENT

The Legal Service Plan is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION & REINSTATEMENT

The Legal Service Contract Holder may terminate the Legal Service Plan by providing U.S. Law Shield of Oklahoma, LLC with written notice of the Legal Service Contract Holder’s intent to terminate not later than the seventh day after the date the Legal Service Contract Holder receives the plan.

If the Legal Service Plan is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Plan is void and U.S. Law Shield of Oklahoma, LLC shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price.

U.S. Law Shield of Oklahoma, LLC may cancel a Legal Service Plan by mailing a written notice of cancellation to the Legal Service Contract Holder to the last known address according to the records of U.S. Law Shield of Oklahoma, LLC. U.S. Law Shield of Oklahoma, LLC must mail notice before the fifth day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

U.S. Law Shield of Oklahoma, LLC is not required to provide prior notice of cancellation if the Legal Service Plan is cancelled because of:

Nonpayment;

A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of Oklahoma, LLC;

A substantial breach of a duty by the Legal Service Contract Holder; or

Cancellation by the Legal Service Contract Holder to U.S. Law Shield of Oklahoma, LLC.

There shall be a grace period of 31 days. The Legal Service Plan will be reinstated, with full rights and benefits, provided the contract is not terminated pursuant to subsection D(ii) or D(iii) above and provided the Legal Contract Holder remits to U.S. Law Shield of Oklahoma, LLC within a 31 day period all fees necessary to pay the Legal Service Plan to a current status, and no legal services or use of a firearm has occurred during such 31 day period.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of Oklahoma, LLC if a use of a firearm occurs by the Legal Services Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter. The Legal Service Contract Holder agrees further to immediately inform U.S. Law Shield of Oklahoma, LLC of anything that will prevent the Legal Service Contract Holder from attending scheduled court dates or appearances.

It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Oklahoma, LLC or any Contracting Attorney and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of Oklahoma, LLC if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of Oklahoma, LLC of all changes in his or her address or telephone number.

Request for legal services may be initiated by calling U.S. Law Shield of Oklahoma, LLC’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@uslawshield.com.

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witness attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Services Contract Holder and paid directly by the Legal Service Contract Holder unless the Legal Service Contract Holder has tendered separate consideration for such services as described in Section IV of this Legal Service Plan. This Legal Service Plan shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including, but not limited to, witness fees, witness travel expenses, and/or lodging, except as provided in the additional optional coverage under section IV.F, and shall not cover court costs, bonds and expenses related to appeals, records and transcripts.

No change in the plan is valid until the change has been approved by an executive officer of U.S. Law Shield of Oklahoma, LLC and unless such change is endorsed or attached to the plan. There is no modification of the Legal Service Plan rates while it is in effect. Rates may be modified upon renewal of the Legal Service Plan on the anniversary date of signup.

Complaint and Grievance. Any and all complaints and grievances between the Legal Service Contract Holder and U.S. Law Shield of Oklahoma, LLC or any of its affiliates and/or the Contracting Attorney and/or any of its affiliates shall be submitted to binding arbitration in Harris County, Texas, pursuant to the terms and provisions of the American Arbitration Association. Legal Service Contract Holder expressly waives the right to proceed with any legal action, other than on an individual basis in an arbitration proceeding described herein. Legal Service Contract Holder specifically waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis. Nothing herein is intended to preclude the Oklahoma Bar Association from disciplining or regulating the conduct of Oklahoma attorneys.

Legal Service Contract Holder may at all times retain counsel different than provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, costs and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights. There are no subrogation rights under this Legal Services Plan.

Severability. Should any part of this Legal Service Plan be rendered or declared invalid by a court of competent jurisdiction of the State of Texas, such invalidation of such part or portion of this Legal Service Plan shall not invalidate the remaining portions thereof, and as such shall remain in full force and effect.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by U.S. Law Shield of Oklahoma, LLC or Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this document.

U.S. Law Shield of Oklahoma, LLC intends through this contract to provide a legal services plan as described by the American Bar Association Model Rules and related opinions governing the operations of prepaid legal services and legal service plans, where applicable.

This Legal Service Plan is not an insurance contract.

Optional Oklahoma Hunting Activity Program Addendum
Oklahoma Hunting and Sporting Activity Program Option

U.S. Law Shield of Oklahoma, LLC, offers for separate consideration a Hunting Activity program (the “Hunting Program”) as an optional legal service plan that may be added to the U.S. Law Shield of Oklahoma Firearms Legal Defense Program. The legal services described herein are only available to a U.S. Law Shield of Oklahoma Legal Service Contract Holder who elects to add this optional service for separate and additional consideration to their U.S. Law Shield of Oklahoma Firearms Legal Defense Program. In addition to the benefits provided in the U.S. Law Shield of Oklahoma Firearms Legal Defense Program, the Legal Service Contract Holder who selects and pays separate and additional consideration for the Hunting Program shall receive the Hunting Program Legal Representation Benefits outlined below.

Hunting Program Legal Representation Benefits: If the Legal Service Contract Holder tenders separate consideration for the Hunting Program, a Legal Service Contract Holder in good standing shall be entitled to coverage for the reasonable legal services of an independent program attorney selected and provided by U.S. Law Shield of Oklahoma, LLC, at no charge. Such benefits are limited to:

1) defense of any criminal charges (by an independent program attorney) alleging a violation of Title 29 of the Oklahoma Statutes or Title 800 of the Oklahoma Administrative Code as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder;

2) defense of any criminal charges (by an independent program attorney) alleging a violation of Titles 16 or 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder;

3) defense of any civil claims (by an independent program attorney) brought against the Legal Service Contract Holder that arises as a direct result of his or her Hunting Activity or fishing in Oklahoma;

All such legal representations shall be subject to the limitations and exclusions set forth below.

“Hunting Activity” – Hunting Activity shall mean, in addition to actual hunting, an event or occurrence within the State of Oklahoma involving: 1) the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and 2) the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: U.S. Law Shield of Oklahoma, LLC or U.S. Law Shield of Oklahoma, LLC’s independent program attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

1) at the time of the occurrence giving rise to a claim the Legal Service Contract Holder is engaged in a criminal act other than an offense alleging a violation of Title 29 of the Oklahoma Statutes, Title 800 of the Oklahoma Administrative Code, or Titles 16 or 50 of the Code of Federal Regulations, as they relate to Hunting Activity;

2) at the time of the incident giving rise to a claim the Legal Service Contract Holder was not in lawful possession of the firearm, or was not within the borders of the State of Oklahoma;

3) the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of Legal Service Contract Holder: the provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in the U.S. Law Shield of Oklahoma, LLC, Legal Service Contract. The provisions of this program shall only apply and be effective for incidents that occur within the State of Oklahoma.

This program is intended to provide the Legal Service Contract Holder with the reasonable legal services of an independent program attorney. Nothing in this Hunting Activity Program shall be construed or deemed to provide Legal Service Contract Holder with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Legal Service Contract Holder, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against Legal Service Contract Holder.

Pennsylvania Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF PENNSYLVANIA LEGAL SERVICE CONTRACT

1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

DEFINITIONS

“Independent Contracting Attorney” — An independent, third-party, licensed attorney that U.S. Law Shield of Pennsylvania, LLC contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract. This definition shall apply throughout the entirety of this agreement. Any references herein to Contracting Attorney, Independent Contracting Attorney, attorney, program attorney, legal services, legal defense, and other similar terms shall refer to an independent, third-party, licensed attorney that U.S. Law Shield of Pennsylvania, LLC contracts with to provide legal services for the Legal Service Contract Holder.

“Use of a Firearm or Other Lawful Weapon” — Any incident where the Legal Service Contract Holder either discharges or displays a firearm (or uses any other lawful weapon at their disposal, including accidental discharges) for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or otherwise actually uses the other lawful weapon or not. This term does not include taking the firearm or other weapon to a location that is prohibited by federal, state, or local law.

“Legal Service Contract” — The present agreement entered into between Legal Service Contract Holder and U.S. Law Shield of Pennsylvania, LLC for consideration and under which U.S. Law Shield of Pennsylvania, LLC will obtain legal services for the Legal Service Contract Holder through an Independent Contracting Attorney.

“Legal Service Contract Holder” — Person who purchased the U.S. Law Shield of Pennsylvania, LLC Legal Service Contract.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield of Pennsylvania, LLC who shall provide Legal Service Contract Holders with an Independent Contracting Attorney for any incident covered by this Legal Service Contract. U.S. Law Shield of Pennsylvania, LLC shall offer the Legal Service Contract in the State of Pennsylvania. The Independent Contracting Attorney shall perform the legal services described herein.

The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of Pennsylvania, LLC. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

The person whose name is on the front of this guide is the sales representative who sold or solicited this Legal Service Contract on behalf of U.S. Law Shield of Pennsylvania, LLC.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup when the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is lawfully terminated pursuant to the terms of this agreement.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependents is the day of signup where the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by an Independent Contracting Attorney and these services may be utilized by calling U.S. Law Shield of Pennsylvania, LLC on the business telephone numbers provided on membership cards, or, in case of emergency, the 24/7 shooting hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an Independent Contracting Attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of Pennsylvania where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination.

An emergency hotline is maintained and answered 24 hours a day for any Legal Service Contract Holder.

Upon request, an Independent Contracting Attorney is provided for legal advice regarding the use and carrying of firearms and other lawful weapons.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of Pennsylvania, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits provided herein and is subject to the limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of Firearm or Other Lawful Weapon.” Minor children are subject to the same limitations and exclusions provided herein.

Legal Service Contract Holder shall receive all of the preceding benefits from Independent Contracting Attorney regardless of payments, performance, consideration, the solvency or continued operations of U.S. Law Shield of Pennsylvania, LLC. Independent Contracting Attorney shall be responsible for providing services whether or not U.S. Law Shield becomes bankrupt or otherwise ceases to function in the anticipated manner. There is no indemnification contracted for by either the administrative unit or the providers of the plan for services or risk contingencies performed by any other entity outside the closed panel.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

Bail Bond/Expert Witness Membership Addendum Option.

Legal Service Contract Holder (“Member”) may tender additional separate consideration for the “Bail Bond and Expert Witness Protection Coverage” for their membership. For an additional $2.95 per month, the Legal Service Contract Holder as a member of the U.S. Law Shield of Pennsylvania, LLC Firearms Legal Defense Program will receive:

Bail Bond Protection

U.S. Law Shield of Pennsylvania, LLC shall provide to its Member up to $25,000 in bail bond expense fee protection for a Member’s Use of a Firearm that is covered under this contract. The bail bond protection under this contract covers the bail bond company expense fees arising from a criminal charge resulting from posting a bond for a covered event under this legal service contract (i.e., criminal charges resulting from the “Use of a Firearm” or “other lawful weapon” by Member) up to the total bail amount of $25,000 (typically a $2,500 bond fee). This protection also entitles Member to have a Contract Attorney seek a reduction of the bond amount or modification of the bond requirements, if the Contract Attorney thinks appropriate. U.S. Law Shield of Pennsylvania, LLC shall pay the fees for legal services for reduction of bond proceedings and the fees associated with posting a bond for the member through a bail bond company chosen by U.S. Law Shield of Pennsylvania, LLC in the event of a covered event under this Contract.

The maximum aggregate total bail expense fee coverage under this Contract are the expenses required for a bond amount of $25,000 per incident. This means the maximum total bail bond company expense fee U.S. Law Shield of Pennsylvania, LLC will be responsible for is a $25,000 bond per incident, not $25,000 per separate charge or offense if the covered “use of a firearm” results in multiple separate charges or offenses. In addition, U.S. Law Shield of Pennsylvania, LLC will not be responsible for bail bonds for separate charges or offenses that are not related to a “Use of a Firearm” or are not otherwise covered under this Contract.

U.S. Law Shield of Pennsylvania, LLC shall pay the appropriate fees of a bail bond company associated with the bail bond program. Member however, shall remain responsible for all other obligations associated with obtaining the bond and staying in compliance with all conditions of bail, including, but not limited to, appearing in court for any purpose, appearing in court or elsewhere to obtain a bond or its reduction, cooperating and meeting the requirements of any bail bond company, including co-signors, guarantors and collateral, and cooperating and assisting legal counsel in efforts to obtain the bond, reduce the bond amount or release the bond. Member is also solely responsible to the court and/or bail bond company for the bond amount in the event of a bond forfeiture, such as failure to appear in court.

Expert Witness Case Review and Options

As part of the Firearms Legal Defense Program, U.S. Law Shield of Pennsylvania, LLC maintains professional relationships with numerous persons with extensive experience, training, and education in the field of self-defense, defense of others, defense of property and/or the reasonable justification of the use of force and deadly force. If a current Member is involved in a covered event and has selected and paid the separate consideration for the “expert witness” coverage, U.S. Law Shield of Pennsylvania, LLC will provide Member with access and a referral to an expert on the justifiable use of force and deadly force to:

Review facts and circumstances surrounding Member’s covered incident under this contract (the “use of a firearm”).

Provide the expert’s observations, opinions, and testimony in any legal proceeding or investigation involving charges, claims, or cases arising out of the covered event if the Member so desires.

Member shall receive the above services at no extra charge other than Member’s cost for the expert witness coverage. If Member does not desire to use the expert provided under the contract, Member is under no obligation to use that person. U.S. Law Shield of Pennsylvania, LLC may at its sole discretion provide Member with a referral to an additional expert under the same terms. This contract does not cover incidental expenses such as charges for reconstruction videos or exhibits, demonstrative exhibits, testing, analysis, or other things outside the time and effort of the expert. These charges are the sole responsibility of Member. If the legal service contract holder desires to hire an expert other than the one provided under this contract, legal service contract holder is free to do so at the legal service contract holder’s own expense. In such a case, U.S. Law Shield of Pennsylvania, LLC will not be obligated in any manner for payment of those charges.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Service Contract.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Services Contract, at the time a use of a firearm or other lawful weapon incident occurs, the Legal Service Contract Holder must be in legal possession of the firearm or other lawful weapon, and at the time of the use of the firearm or other lawful weapon, the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm or the other lawful weapon.

Neither U.S. Law Shield of Pennsylvania LLC, nor U.S. Law Shield of Pennsylvania LLC’s Independent Contracting Attorneys will have any obligation under this contract to provide coverage to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm or other lawful weapon, the Legal Service Contract Holder was not in lawful possession of the firearm or other lawful weapon, or was in a location, without legal justification, where possession of a firearm or other lawful weapon is illegal under state, federal, or local law.

This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Service Contract Holder’s use of a firearm or other lawful weapon for which justification is available as a defense.

This Legal Service Contract specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm or other lawful weapon, if at the time of the use of the firearm or other lawful weapon, Legal Service Contract Holder was in the commission of any crime using their firearm or other lawful weapon for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Contract specifically excludes providing legal representation from an Independent Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm or other lawful weapon by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship, as defined in applicable state law.

TRANSFERABILITY & REIMBURSEMENT

The Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION OF CONTRACT & REINSTATEMENT

Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of Pennsylvania, LLC with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.

If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Contract is void and U.S. Law Shield of Pennsylvania, LLC shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

U.S. Law Shield of Pennsylvania, LLC may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder to the last known address according to the records of U.S. Law Shield of Pennsylvania, LLC. U.S. Law Shield of Pennsylvania LLC must mail notice before the fifth day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

U.S. Law Shield of Pennsylvania, LLC is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:

Nonpayment;

A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of Pennsylvania, LLC;

A substantial breach of a duty by the Legal Service Contract Holder; or

Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of Pennsylvania, LLC.

There shall be a grace period of 31 Days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated pursuant to subsection D(ii) or D(iii) above and provided the Legal Contract Holder remits to U.S. Law Shield of Pennsylvania, LLC within a 31 day period all fees necessary to pay the Legal Service Contract to a current status and provided no use of a firearm or other lawful weapon has occurred during such period.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of Pennsylvania, LLC if a use of a firearm or other lawful weapon occurs by the Legal Services Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with Independent Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter.

It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Pennsylvania, LLC and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of Pennsylvania, LLC if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of Pennsylvania, LLC of all changes in his or her address or telephone number.

Request for legal services may be initiated by calling U.S. Law Shield of Pennsylvania, LLC’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@uslawshield.com

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses’ attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Services Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including, but not limited to, witness fees, witness travel expenses, and/or lodging, except as provided in the additional optional coverage under section IV.F, and shall not cover court costs, bonds and expenses related to appeals, records and transcripts.

No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of Pennsylvania, LLC and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup.

Marketing/Advertising/Promotional Fees. Legal Service Contract Holder acknowledges and agrees that one or more third-parties may receive compensation in connection with the marketing, sale or advertising of this Legal Service Contract, including marketing or advertising fees, salaries, contract payments, facility lease payments, commissions and/or passive commissions as authorized by applicable statutes, laws and rules.

Resolution of Disputes. Any and all complaints, claims, causes of action, suits, disputes or any other legal assertions between the Legal Service Contract Holder and U.S. Law Shield of Pennsylvania, LLC or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in Harris County, Texas, pursuant to the terms and provisions of the American Arbitration Association. Legal Service Contract Holder expressly waives the right to proceed with any legal action, other than on an individual basis in an arbitration proceeding described herein. Legal Service Contract Holder specifically waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis.

Independence of Contracting Attorneys. U.S. Law Shield of Pennsylvania, LLC is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Legal Service Contract Holder seeks coverage under this agreement for a covered event under this contract, then Legal Service Contract Holder will have an attorney-client relationship solely with the Independent Contracting Attorney and there shall be no interference with that attorney-client relationship by U.S. Law Shield of Pennsylvania, LLC. Nothing in this contract is intended to impair the ability of Legal Service Contract Holder from addressing the conduct of a Contracting Attorney with the State Bar of Pennsylvania. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by an Independent Contracting Attorney, are required by this contract to be addressed solely with the Independent Contracting Attorney. Legal Service Contract Holder acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this contract, some owners or employees of U.S. Law Shield of Pennsylvania, LLC may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Pennsylvania, LLC are NOT Contracting Attorneys under this agreement, will not be providing legal services to Legal Service Contract Holder, and will not have an attorney-client relationship with Legal Service Contract Holder at any time.

Legal Service Contract Holder may at all times retain counsel different than the Independent Contracting Attorney provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights – There are no subrogation rights under this Legal Services Contract.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by U.S. Law Shield of Pennsylvania, LLC or

Independent Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this contract.

U.S. Law Shield of Pennsylvania, LLC offers a legal service plan in the State of Pennsylvania. This Legal Service Contract is not an insurance contract.

LEGAL SERVICES CONTRACT PRICING
Legal Service Contract Price

Individual: $131.40/year or $10.95/month

Couples: $240.00/year or $10.95/month + $10.95/month ($21.90/month)

Optional Coverage

Multi State Coverage Per Person: $35.40/year or $2.95/month

Minor Children: $24.00/year or $2.00/month

Hunter Shield: $35.40/year or $2.95/month

*New Legal Service Contract Holder Packet, $19.95, is a one-time, per member fee at sign up.

Optional Pennsylvania Hunting Activity Program Addendum
Pennsylvania Hunting and Sporting Activity Program Option

U.S. Law Shield of Pennsylvania, LLC, offers for separate consideration a Hunting Activity program (the “Hunting Program”) as an optional legal service plan that may be added to the U.S. Law Shield of Pennsylvania Firearms Legal Defense Program. The legal services described herein are only available to a U.S. Law Shield of Pennsylvania Legal Service Contract Holder who elects to add this optional service for separate and additional consideration to their U.S. Law Shield of Pennsylvania Firearms Legal Defense Program. In addition to the benefits provided in the U.S. Law Shield of Pennsylvania Firearms Legal Defense Program, the Legal Service Contract Holder who selects and pays separate and additional consideration for the Hunting Program shall receive the Hunting Program Legal Representation Benefits outlined below..

Hunting Program Legal Representation Benefits: If the Legal Service Contract Holder tenders separate consideration for the Hunting Program, a Legal Service Contract Holder in good standing shall be entitled to coverage for the reasonable legal services of an independent program attorney selected and provided by U.S. Law Shield of Pennsylvania, LLC, at no charge. Such benefits are limited to:

1) defense of any criminal charges (by an independent program attorney) alleging a violation of the Pennsylvania Game and Wildlife Code or Title 58, Part II, Subpart B or Part III of the Pennsylvania Code, as it pertains to Hunting Activity or fishing, against the Legal Service Contract Holder;

2) defense of any criminal charges (by an independent program attorney) alleging a violation of Title 16 of the U.S. Code, or Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder; or

3) defense of any civil claims (by an independent program attorney) brought against the Legal Service Contract Holder that arises as a direct result of his or her Hunting Activity or fishing in Pennsylvania.

All such legal representations shall be subject to the limitations and exclusions set forth below.

“Hunting Activity” – Hunting Activity shall mean, in addition to actual hunting, an event or occurrence within the State of Pennsylvania involving: 1) the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and 2) the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: U.S. Law Shield of Pennsylvania, LLC or U.S. Law Shield of Pennsylvania, LLC’s independent program attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

1) at the time of the occurrence giving rise to a claim the Legal Service Contract Holder is engaged in a criminal act other than an offense alleging a violation of the Pennsylvania Game and Wildlife Code or Title 58 Part II, Subpart B or Part III of the Pennsylvania Code, or Title 16 of the U.S. Code, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity or fishing;

2) at the time of the incident giving rise to a claim the Legal Service Contract Holder was not in lawful possession of the firearm, or was not within the borders of the State of Pennsylvania; or

3) the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of Legal Service Contract Holder: the provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in the U.S. Law Shield of Pennsylvania, LLC, Legal Service Contract. The provisions of this program shall only apply and be effective for incidents that occur within the State of Pennsylvania.

This program is intended to provide the Legal Service Contract Holder with the reasonable legal services of an independent program attorney. Nothing in this Hunting Activity Program shall be construed or deemed to provide Legal Service Contract Holder with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Legal Service Contract Holder, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against Legal Service Contract Holder.

South Carolina Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF SOUTH CAROLINA LEGAL SERVICE CONTRACT

Principal Office – 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

DEFINITIONS

“Independent Contracting Attorney” – An independent, third-party, licensed attorney that U.S. Law Shield of South Carolina contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract. This definition shall apply throughout the entirety of this agreement. Any references herein to Contracting Attorney, Independent Contracting Attorney, attorney, program attorney, legal services, legal defense, and other similar terms shall refer to an independent, third-party, licensed attorney that U.S. Law Shield of South Carolina contracts with to provide legal services for the Legal Service Contract Holder.

“Use of a Firearm” or “Other Lawful Weapon” – Any incident where the Legal Service Contract Holder either discharges or displays a firearm (or uses any other lawful weapon at their disposal, including accidental discharges) for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or otherwise actually uses the other lawful weapon or not. This term does not include taking a firearm or other weapon to a location that is prohibited by federal, state, or local law.

“Legal Service Contract” – The present agreement entered into between Legal Service Contract Holder and U.S. Law Shield of South Carolina for consideration and under which U.S. Law Shield of South Carolina will obtain legal services for the Legal Service Contract Holder through an Independent Contracting Attorney.

“Legal Service Contract Holder” – Person who purchased the U.S. Law Shield of South Carolina Legal Service Contract.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield of South Carolina who shall provide Legal Service Contract Holders with an Independent Contracting Attorney for any incident covered by this Legal Service Contract. U.S. Law Shield of South Carolina shall offer the Legal Service Contract in the State of South Carolina. The Independent Contracting Attorney shall perform the legal services described herein.

The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of South Carolina. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

_____________________, is the sales representative who sold or solicited this Legal Service Contract on behalf of U.S. Law Shield of South Carolina.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup where the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is lawfully terminated pursuant to the terms of this agreement.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependents is the day of signup where the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by an Independent Contracting Attorney and these services may be utilized by calling U.S. Law Shield of South Carolina on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 emergency hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an independent contracting attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of South Carolina where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination.

An emergency hotline is maintained and answered 24 hours a day for any Legal Service Contract Holder.

Upon request, an Independent Contracting Attorney is provided for legal advice regarding the use and carrying of firearms.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of South Carolina, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits described herein and is subject to the limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of a Firearm or Other Lawful Weapon.” Minor children are subject to the same limitations and exclusions provided herein.

Legal Services Contract Holder shall receive all of the preceding benefits from Independent Contracting Attorney regardless of payments, performance, consideration, the solvency or continued operations of U.S. Law Shield of South Carolina. Independent Contracting Attorney shall be responsible for providing services whether or not U.S. Law Shield of South Carolina becomes bankrupt or otherwise ceases to function in the anticipated manner. There is no indemnification contracted for by either the administrative unit or the providers of the plan for services or risk contingencies performed by any other entity outside the closed panel.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Service Contract.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Services Contract, at the time of a use of a firearm or other lawful weapon incident occurs, the Legal Service Contract Holder must be in legal possession of a firearm or in legal possession of the other lawful weapon, and at the time of the use of a firearm or other lawful weapon the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm or the other lawful weapon.

Neither U.S. Law Shield of South Carolina, nor any of U.S. Law Shield of South Carolina’s Independent Contracting Attorneys will have an obligation under this contract to provide coverage to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm or other lawful weapon, the Legal Service Contract Holder was not in lawful possession of the firearm or other lawful weapon, or was in a location, without legal justification, where possession of a firearm or other lawful weapon is illegal under state, federal, or local law.

This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Contract Holder’s use of a firearm or other lawful weapon for which justification is available as a defense.

This Legal Service Contract specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm or other lawful weapon, if at the time of the use of the firearm or other lawful weapon; Legal Service Contract Holder was in the commission of any crime for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Contract specifically excludes providing legal representation from an Independent Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm or other lawful weapon by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship as defined in Chapter 71 of the Texas Family Code or applicable state law.

TRANSFERABILITY & REIMBURSEMENT

The Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION OF CONTRACT & REINSTATEMENT

A Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of South Carolina with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.

If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Contract is void and U.S. Law Shield of South Carolina shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract. If Legal Service Contract is otherwise lawfully terminated by the Legal Service Contract Holder or by U.S. Law Shield of South Carolina as indicated hereinbelow, U.S. Law Shield of South Carolina will refund the unearned premium, pro rate, to the Legal Service Contract Holder.

U.S. Law Shield of South Carolina may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder to the last known address according to the records of U.S. Law Shield of South Carolina by first class mail. U.S. Law Shield of South Carolina must mail notice before the 10th day preceding the effective date of the cancellation if the contract is less than 60 days old or the reason for cancellation is for nonpayment. The notice must state the effective date of the cancellation and the reason for cancellation.

If the contract is older than 60 days, U.S. Law Shield of South Carolina shall provide 30 days prior notice of cancellation, in the manner outlined in paragraph C. No notice is required for cancellation in the case where a Legal Service Contract is void ab initio for failure of consideration.

There shall be a grace period of 31 Days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated because of a material misrepresentation made by the Legal Service Contract Holder or because of a substantial breach of duty by the Holder and provided the Legal Service Contract Holder remits to U.S. Law Shield of South Carolina within a 31 day period all fees necessary to pay the Legal Service Contract to a current status, and provided there has been no use of a firearm or other weapon within such 31 day period.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of South Carolina if a use of a firearm or other weapon occurs by the Legal Services Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with any Independent Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter.

It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of South Carolina and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of South Carolina if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of South Carolina of all changes in his or her address or telephone number.

Request for legal services shall be initiated by calling U.S. Law Shield of South Carolina’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@uslawshield.com

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Services Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.

No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of South Carolina and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup.

Marketing/Advertising/Promotional Fees. Legal Service Contract Holder acknowledges and agrees that one or more third-parties may receive compensation in connection with the marketing, sale or advertising of this Legal Service Contract, including marketing or advertising fees, salaries, contract payments, facility lease payments, commissions and/or passive commissions as authorized by applicable statutes, laws and rules.

Resolution of Disputes. Any and all complaints, claims, causes of action, suits, disputes or any other legal assertions between the Legal Service Contract Holder and U.S. Law Shield of South Carolina or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in Harris County, Texas, pursuant to the terms and provisions of the American Arbitration Association. Legal Service Contract Holder expressly waives the right to proceed with any legal action, other than on an individual basis in an arbitration proceeding described herein. Legal Service Contract Holder specifically waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis.

Independence of Contracting Attorneys. U.S. Law Shield of South Carolina is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Legal Service Contract Holder seeks coverage under this agreement for a covered event under this contract, then Legal Service Contract Holder will have an attorney-client relationship solely with the Contracting Attorney and there shall be no interference with that attorney-client relationship by U.S. Law Shield of South Carolina. Nothing in this contract is intended to impair the ability of Legal Service Contract Holder from addressing the conduct of a Contracting Attorney with the State Bar of South Carolina. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by a Contracting Attorney, are required by this contract to be addressed solely with the Contracting Attorney. Legal Service Contract Holder acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this contract, some owners or employees of U.S. Law Shield of South Carolina may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of South Carolina are NOT Contracting Attorneys under this agreement, will not be providing legal services to Legal Service Contract Holder, and will not have an attorney-client relationship with Legal Service Contract Holder at any time.

Legal Service Contract Holder may at all times retain counsel other than the Independent Contract Attorney provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights – There are no subrogation rights under this Legal Services Contract.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by U.S. Law Shield of South Carolina or Independent Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this contract.

U.S. Law Shield of South Carolina offers a legal service plan in the State of South Carolina. This Legal Service Contract is not an insurance contract.

LEGAL SERVICES CONTRACT PRICING
Legal Service Contract Price

Individual: $141.40/year or $10.95/month

2 Adults: $240.00/year or $21.95/month

Optional Coverage

Multi State Coverage Per Person: $35.40/year or $2.95/month

Minor Children: $24.00/year or $2.00/month

*New Legal Service Contract Holder Packet, $19.95, is a one-time, per member fee at sign up.

Tennessee Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF TENNESSEE, LLC LEGAL SERVICE SUBSCRIPTION CONTRACT

Tennessee Members: The following is the terms of your membership that establishes your rights under the program.

1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

DEFINITIONS

“Contracting Attorney” — A licensed attorney that U.S. Law Shield of Tennessee, LLC contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract.

“Use of a Firearm” — Any incident where the Legal Service Contract Holder either discharges or displays a firearm for the purpose of using the firearm as a weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not. This term does not include taking the firearm to a location that is prohibited by federal, state, or local law, negligent or unintended discharges, or negligent or unintended displays.

“Legal Service Contract” — The present subscription contract entered into between Legal Service Contract Holder and U.S. Law Shield of Tennessee, LLC for consideration and under which U.S. Law Shield of Tennessee, LLC will obtain legal services for the Legal Service Contract Holder through a Contracting Attorney.

“Legal Service Contract Holder” — Person who purchased the U.S. Law Shield of Tennessee, LLC’s Legal Service Subscription Contract.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield of Tennessee, LLC who shall provide Legal Service Contract Holders with a Contracting Attorney for any incident covered by this Legal Service Contract. U.S. Law Shield of Tennessee, LLC shall offer the Legal Service Contract in the State of Tennessee. The Contracting Attorney shall perform the legal services described herein.

The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of Tennessee, LLC. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

_____________________, is the sales representative who sold or solicited this Legal Service Contract on behalf of U.S. Law Shield of Tennessee, LLC.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup where the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is terminated by Legal Service Contract Holder or U.S. Law Shield of Tennessee, LLC.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependents is the day of signup where the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by a Contracting Attorney and these services may be utilized by calling U.S. Law Shield of Tennessee, LLC on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an attorney in any criminal or civil procedure arising from an incident involving the Legal Service Contract Holder, in good standing, who has a use of a firearm as defined above, if the Legal Service Contract Holder is in a place within the State of Tennessee where the Legal Service Contract Holder is legally permitted to possess his or her firearm. Legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction. It shall not include appeals of a trial court’s judgment to a court of appeals. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination.

An emergency hotline is maintained and answered 24 hours a day by a Contracting Attorney for legal advice immediately after use of a firearm, for any Legal Service Contract Holder.

A Contracting Attorney is provided for legal advice regarding use and carrying of firearms.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of Tennessee, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for the following states: Alabama, Arkansas, Arizona, Colorado, Florida, Georgia, Indiana, Louisiana, Mississippi, New Mexico, Oklahoma, Pennsylvania, Texas, and Virginia. Multi-State Protection is subject to the limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of Firearm” incident. Minor children are subject to the same limitations and exclusions provided herein.

Legal Service Contract Holder shall receive all of the preceding benefits from Contracting Attorney regardless of payments, performance, consideration, the solvency or continued operations of U.S. Law Shield of Tennessee, LLC. Contracting Attorney shall be responsible for providing services whether or not U.S. Law Shield of Tennessee, LLC becomes bankrupt or otherwise ceases to function in the anticipated manner. There is no indemnification contracted for by either the administrative unit or the providers of the plan for services or risk contingencies performed by any other entity outside the closed panel.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Service Contract.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Services Contract, at the time of a use of a firearm incident occurs, the Legal Service Contract Holder must be in legal possession of a firearm, and at the time of the use of a firearm the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm.

U.S. Law Shield of Tennessee, LLC or U.S. Law Shield of Tennessee LLC’s Contracting Attorney will have no obligations under this contract to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm, the Legal Service Contract Holder was not in lawful possession of the firearm, or was in a location, without legal justification, where possession of a firearm is illegal under state, federal, or local law.

This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Contract Holder’s use of a firearm.

This Legal Service Contract specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm, if at the time of the use of the firearm; Legal Service Contract Holder was in the commission of any crime using their firearm for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Contract specifically excludes providing legal representation from a Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship as defined in applicable state law.

TRANSFERABILITY & REIMBURSEMENT

The Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION & REINSTATEMENT

Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of Tennessee, LLC with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.

If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Contract is void and U.S. Law Shield of Tennessee, LLC shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

U.S. Law Shield of Tennessee, LLC may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder to the last known address according to the records of U.S. Law Shield of Tennessee, LLC. U.S. Law Shield of Tennessee, LLC must mail notice before the fifth day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

U.S. Law Shield of Tennessee, LLC is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:

Nonpayment;

A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of Tennessee, LLC;

A substantial breach of a duty by the Legal Service Contract Holder; or

Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of Tennessee, LLC.

There shall be a grace period of 31 Days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated pursuant to subsection D(ii) or D(iii) above and provided the Legal Contract Holder remits to U.S. Law Shield of Tennessee, LLC within a 31 day period all fees necessary to pay the Legal Service Contract to a current status, and provided there has been no use of a firearm within such 31 day period.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of Tennessee, LLC if a use of a firearm occurs by the Legal Services Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter. The Legal Service Contract Holder agrees further to immediately inform U.S. Law Shield of Tennessee, LLC of anything that will prevent the Legal Service Contract Holder from attending scheduled court dates or appearances.

It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Tennessee, LLC or any Contracting Attorney and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of Tennessee, LLC if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of Tennessee, LLC of all changes in his or her address or telephone number.

Request for legal services may be initiated by calling U.S. Law Shield of Tennessee, LLC’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@uslawshield.com.

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Services Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.

It is expressly understood that any expenses associated with an appeal taken to the Court of Appeals or the Supreme Court, petition for discretionary review to the Supreme Court, or any other form of appellate review, whether in state or federal court is not covered by this Legal Service Contract.

No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of Tennessee, LLC and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup. This is the entire agreement between the parties. There are no other contracts or endorsements.

Complaint and Grievance. Any and all complaints and grievances between the Legal Service Contract Holder and U.S. Law Shield of Tennessee, LLC or any of its affiliates and/or the Contracting Attorney and/or any of its affiliates shall be submitted to binding arbitration in Tennessee, pursuant to the terms and provisions of the American Arbitration Association. If this venue selection is not permitted under applicable state law, then applicable venue provisions shall apply. Legal Service Contract Holder expressly waives the right to pursue any claims as a class action, and agrees to assert claims only in an individual capacity.

Legal Service Contract Holder may at all times retain counsel different than provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights — There are no subrogation rights under this Legal Services Contract.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by U.S. Law Shield of Tennessee, LLC or Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this contract. No statements by the subscriber or his employer or group in the application for the contract shall void the subscription contract or be used in any legal proceeding under the contract, unless such application or an exact copy of the application is included in or attached to such subscription contract.

U.S. Law Shield of Tennessee, LLC offers a legal service plan in the State of Tennessee.

LEGAL SERVICES CONTRACT PRICING
Legal Service Contract Price

Individual: $131.40/year or $10.95/month

2 Adults: $240.00/year or $10.95/month + $10.95/month ($21.90/month)

Optional Coverage

Multi State Coverage Per Person: $35.40/year or $2.95/month

Minor Children: $24.00/year or $2.00/month

*New Legal Service Contract Holder Packet, $19.95, is a one-time, per member fee at sign up.

State Members: The following is the terms of your membership and the legal services contract that establishes your rights under the program.

TEXAS LAW SHIELD, LLP LEGAL SERVICE CONTRACT

1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184

DEFINITIONS

“Independent Contracting Attorney” — An independent, third-party, licensed attorney that Texas Law Shield, LLP contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract. This definition shall apply throughout the entirety of this agreement. Any references herein to Contracting Attorney, Independent Contracting Attorney, attorney, program attorney, legal services, legal defense, and other similar terms shall refer to an independent, third-party, licensed attorney that Texas Law Shield, LLP contracts with to provide legal services for the Legal Service Contract Holder.

“Use of a Firearm” or “Other Lawful Weapon” — Any incident where the Legal Service Contract Holder either discharges or displays a firearm (or uses any other lawful weapon at their disposal, including accidental discharges) for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or otherwise actually uses the other lawful weapon or not. This term does not include taking a firearm or other weapon to a location that is prohibited by federal, state, or local law.

“Legal Service Contract” — The present agreement entered into between Legal Service Contract Holder and Texas Law Shield, LLP for consideration and under which Texas Law Shield, LLP will obtain legal services for the Legal Service Contract Holder through an Independent Contracting Attorney.

“Legal Service Contract Holder” — Person who purchased the Texas Law Shield, LLP Legal Service Contract.

PARTIES

This Legal Service Contract is administered by Texas Law Shield, LLP who shall provide Legal Service Contract Holders with an Independent Contracting Attorney for any incident covered by this Legal Service Contract. Texas Law Shield, LLP shall offer the Legal Service Contract in the State of Texas. The Independent Contracting Attorney shall perform the legal services described herein.

The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by Texas Law Shield, LLP. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

__________________________ is the sales representative who sold or solicited this Legal Service Contract on behalf of Texas Law Shield, LLP.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup where the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is lawfully terminated pursuant to the terms of this agreement.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependents is the day of signup where the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by an Independent Contracting Attorney and these services may be utilized by calling Texas Law Shield, LLP on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 emergency hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an independent contracting attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of Texas where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination.

An emergency hotline is maintained and answered 24 hours a day for any Legal Service Contract Holder.

Upon request, an Independent Contracting Attorney is provided for legal advice regarding the use and carrying of firearms.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by Texas Law Shield, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits described herein, with the exception of the Bail Bond/Expert Witness Program outside of Texas, and is subject to the limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of a Firearm or Other Lawful Weapon.” Minor children are subject to the same limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration for the Expert Witness program and/or the Bail program, as additional legal services, Legal Service Contract Holder shall pay no additional fee to the program attorneys for additional services including, as applicable to the particular program: an expert witness; and/or depositions, and/or program attorney offered bail bond services, with bail up to $25,000.00 ($2,500.00 bond fee). With respect to the Bail program, Members shall be responsible for all other requirements to obtain such a bond from a licensed bondsman, including collateral, guarantors, overages etc. The Bail program is not an offer for Texas Law Shield or the program attorney to act as surety for the Member and Member agrees that this is not a surety agreement. With respect to the Expert Witness program, if the program attorney determines a necessity for an expert witness, Legal Service Contract Holder shall be provided with an expert who has agreed to Texas Law Shield’s standard terms of engagement in the area of reasonableness and justification of the use of force or deadly force under the law. Legal Service Contract Holder may at all times employ any other expert witnesses, different than any provided under this contract, however, Legal Service Contract Holder shall be responsible for all fees, costs and expenses of any different expert witnesses and shall receive no reimbursement under this contract.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Service Contract.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Services Contract, at the time of a use of a firearm or other lawful weapon incident occurs, the Legal Service Contract Holder must be in legal possession of a firearm or in legal possession of the other lawful weapon, and at the time of the use of a firearm or other lawful weapon the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm or the other lawful weapon.

Neither Texas Law Shield LLP, nor any of Texas Law Shield LLP’s Independent Contracting Attorneys will have an obligation under this contract to provide coverage to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder uses his or her firearm or other lawful weapon, the Legal Service Contract Holder was not in lawful possession of the firearm or other lawful weapon, or was in a location, without legal justification, where possession of a firearm or other lawful weapon is illegal under state, federal, or local law.

This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Contract Holder’s use of a firearm or other lawful weapon for which justification is available as a defense.

This Legal Service Contract specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm or other lawful weapon, if at the time of the use of the firearm or other lawful weapon; Legal Service Contract Holder was in the commission of any crime for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Contract specifically excludes providing legal representation from an Independent Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm or other lawful weapon by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship as defined in Chapter 71 of the Texas Family Code or applicable state law.

TRANSFERABILITY & REIMBURSEMENT

The Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION OF CONTRACT & REINSTATEMENT

A Legal Service Contract Holder may terminate the Legal Service Contract by providing Texas Law Shield, LLP with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.

If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Contract is void and Texas Law Shield, LLP shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

Texas Law Shield, LLP may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder to the last known address according to the records of Texas Law Shield, LLP. Texas Law Shield LLP must mail notice before the fifth day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

Texas Law Shield, LLP is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:

Nonpayment;

A material misrepresentation by the Legal Service Contract Holder to Texas Law Shield, LLP;

A substantial breach of a duty by the Legal Service Contract Holder; or

Cancellation of the contract by the Legal Service Contract Holder to Texas Law Shield, LLP.

There shall be a grace period of 31 Days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated pursuant to subsection D(ii) or D(iii) above and provided the Legal Contract Holder remits to Texas Law Shield, LLP within a 31 day period all fees necessary to pay the Legal Service Contract to a current status, and provided no use of a firearm or other weapon has occurred during such 31 day period.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Service Contract Holder has a duty to promptly notify Texas Law Shield, LLP if a use of a firearm or other weapon occurs by the Legal Services Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with any Independent Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter.

It is agreed that the Legal Service Contract Holder will keep all appointments with Texas Law Shield, LLP and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify Texas Law Shield, LLP if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform Texas Law Shield, LLP of all changes in his or her address or telephone number.

Request for legal services shall be initiated by calling Texas Law Shield, LLP’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@texaslawshield.com

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Services Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging, except as provided in the additional optional coverage under section IV.F, and shall not cover court costs, bonds and expenses related to appeals, records and transcripts.

No change in the contract is valid until the change has been approved by an executive officer of Texas Law Shield, LLP and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup.

Marketing/Advertising/Promotional Fees. Legal Service Contract Holder acknowledges and agrees that one or more third-parties may receive compensation in connection with the marketing, sale or advertising of this Legal Service Contract, including marketing or advertising fees, salaries, contract payments, facility lease payments, commissions and/or passive commissions as authorized by applicable statutes, laws and rules.

Resolution of Disputes. Any and all complaints, claims, causes of action, suits, disputes or any other legal assertions between the Legal Service Contract Holder and Texas Law Shield, LLP or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in Harris County, Texas, pursuant to the terms and provisions of the American Arbitration Association. Legal Service Contract Holder expressly waives the right to proceed with any legal action, other than on an individual basis in an arbitration proceeding described herein. Legal Service Contract Holder specifically waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis.

Independence of Contracting Attorneys. Texas Law Shield, LLP is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Legal Service Contract Holder seeks coverage under this agreement for a covered event under this contract, then Legal Service Contract Holder will have an attorney-client relationship solely with the Contracting Attorney and there shall be no interference with that attorney-client relationship by Texas Law Shield, LLP. Nothing in this contract is intended to impair the ability of Legal Service Contract Holder from addressing the conduct of a Contracting Attorney with the State Bar of Texas. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by a Contracting Attorney, are required by this contract to be addressed solely with the Contracting Attorney. Legal Service Contract Holder acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this contract, some owners or employees of Texas Law Shield, LLP may be licensed attorneys. Those attorneys who are also employees or owners of Texas Law Shield, LLP are NOT Contracting Attorneys under this agreement, will not be providing legal services to Legal Service Contract Holder, and will not have an attorney-client relationship with Legal Service Contract Holder at any time.

Legal Service Contract Holder may at all times retain counsel other than the Independent Contract Attorney provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights — There are no subrogation rights under this Legal Services Contract.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Legal Service Contract Holder by Texas Law Shield, LLP or Independent Contracting Attorney. It is further expressly agreed and understood that no other representations have been made to Legal Service Contract Holder, except for those set out in this contract.

Texas Law Shield, LLP is a registered legal service contract company in the State of Texas. This Legal Service Contract is not an insurance contract. Legal service contract companies and their sales representatives are regulated by the Texas Department of Licensing and Regulation (TDLR). You may contact TDLR at P.O. Box 12157, Austin, Texas 78711, telephone (512) 463-6599, toll free 1 (800) 803-9202, or legalservicecontract@license.state.tx.us

Optional Texas Hunting Activity Program Addendum
Texas Hunting and Sporting Activity Program Option

Texas Law Shield, LLP, offers for separate consideration a Hunting Activity program (the “Hunting Program”) as an optional legal service plan that may be added to the Texas Law Shield Firearms Legal Defense Program. The legal services described herein are only available to a Texas Law Shield Legal Service Contract Holder who elects to add this optional service for separate and additional consideration to their Texas Law Shield Firearms Legal Defense Program. In addition to the benefits provided in the Texas Law Shield Firearms Legal Defense Program, the Legal Service Contract Holder who selects and pays separate and additional consideration for the Hunting Program shall receive the Hunting Program Legal Representation Benefits outlined below.

Hunting Program Legal Representation Benefits: If the Legal Service Contract Holder tenders separate consideration for the Hunting Program, a Legal Service Contract Holder in good standing shall be entitled to coverage for the reasonable legal services of an independent program attorney selected and provided by Texas Law Shield, LLP, at no charge. Such benefits are limited to:

1) defense of any criminal charges (by an independent program attorney) alleging a violation of the Texas Parks and Wildlife Code as it pertains to Hunting Activity or fishing, against the Legal Service Contract Holder;

2) defense of any criminal charges (by an independent program attorney) alleging a violation of Titles 16 or 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing, against the Legal Service Contract Holder;

3) defense of any civil claims (by an independent program attorney) brought against the Legal Service Contract Holder that arises as a direct result of his or her Hunting Activity or fishing in Texas;

All such legal representations shall be subject to the limitations and exclusions set forth below.

“Hunting Activity” – Hunting Activity shall mean, in addition to actual hunting, an event or occurrence within the State of Texas involving: 1) the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and 2) the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: Texas Law Shield, LLP or Texas Law Shield, LLP’s independent program attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

1) at the time of the occurrence giving rise to a claim the Legal Service Contract Holder is engaged in a criminal act other than an offense alleging a violation of the Texas Parks and Wildlife Code or Titles 16 or 50 of the Code of Federal Regulations, as they relate to Hunting Activity;

2) at the time of the incident giving rise to a claim the Legal Service Contract Holder was not in lawful possession of the firearm, or was not within the borders of the State of Texas;

3) the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of Legal Service Contract Holder: the provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in the Texas Law Shield, LLP, Legal Service Contract. The provisions of this program shall only apply and be effective for incidents that occur within the State of Texas.

This program is intended to provide the Legal Service Contract Holder with the reasonable legal services of an independent program attorney. Nothing in this Hunting and Sporting Activity Program shall be construed or deemed to provide Legal Service Contract Holder with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Legal Service Contract Holder, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against Legal Service Contract Holder.

Utah Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF UTAH, LLC LEGAL SERVICE SUBSCRIPTION CONTRACT
LYNDON SOUTHERN INSURANCE COMPANY

Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

POLICY NUMBER: _____________________________

Insured:

Address:

City:

State:

Zip:

POLICY PERIOD:

Effective: _____________ From ________________ at 12: 01 A.M

FIREARMS LEGAL DEFENSE PROGRAM

DECLARATIONS

In consideration of the payment of premiums and subject to all of the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein to the person insured hereunder whose name is:
_______________________________________________________________________________________________________________

(herein called “Member”)

The rate of premium of this Policy per month per Member as defined in the Policy is: $________________

If the Member chooses to add coverage for their spouse as defined in the Policy, the rate of premium is: $_______________________

If the Member chooses to add coverage for their minor children as defined in the Policy, the rate of premium is: $____________________

If the Member chooses to add Multi-State Protection as defined in the Policy, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Accidental Death and Dismemberment, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Hunting Activity, the additional rate of premium is: $___________________

This Policy is subject to the laws of the jurisdiction that it is issued in.

The coverage afforded to the Member is only with respect to this Policy as indicated herein. The limit of the Company’s liability shall be as stated in this Policy.

The provisions in the following pages hereof form a part of this Policy are fully incorporated herein over the signatures appearing below.

EMERGENCY HOTLINE NUMBER: ______-______-________

In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Jacksonville, Florida on the Effective Date of this Policy.

Secretary

President

TABLE OF CONTENTS
I. INSURING AGREEMENT

Page 3

II. DEFINITIONS

Page 3

III. PARTIES TO THE POLICY

Page 4

IV. LEGAL SERVICES & BENEFITS

Page 4

V. LIMITATIONS & EXCLUSIONS

Page 5

VI. OPERATION & ADMINISTRATION OF PLAN

Page 5

VII. CANCELLATION OF PLAN & REINSTATMENT

Page 6

VIII. DUTIES OF MEMBERS

Page 7

IX. GENERAL PROVISIONS

Page 7

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

MEMBER POLICY
FIREARMS LEGAL DEFENSE PROGRAM

In consideration of the payment of premiums and subject to the terms of this Policy, Lyndon Southern Insurance Company agrees to make available legal services described herein.

INSURING AGREEMENT

Lyndon Southern Insurance Company will provide legal services to Members and Covered Persons who legally possess a weapon and has a Use Of A Weapon as determined herein in defense of themselves, other persons, or property.

Various provisions in this Policy restrict coverage.
Read the entire Policy carefully to determine rights, duties and what is and is not covered.

DEFINITIONS

Insurer — Lyndon Southern Insurance Company, [Administrative Office, 10151 Deerwood Park Blvd., Bldg. 100, Suite 500, Jacksonville, FL 32256]

Application — Means all signed applications for this Policy, including any attachments, addenda and other materials submitted in conjunction with the signed applications(s).

Covered Person — Means spouse and/or minor children with all premiums paid.

Plan Administrator — Business entity appointed by an Insurer to solicit applications, policyholder services and issue policies.

Member — Person who has submitted an Application, been accepted by the Insurer, and has paid all Premiums due.

Premium(s) — The amount paid for this Policy as described on the Declarations Page.

Plan Attorney — A licensed attorney contracted by the Insurer to provide legal services for the Member and Covered Persons under this Policy.

Policy — This agreement detailing the terms and conditions of this contract of insurance, which has entered into between the Insurer and Member.

Use Of A Weapon — Any incident where the Member or Covered Person either discharges or displays a weapon for the purpose of using the weapon to stop a threat. For purposes of this Policy, a weapon is defined as any firearm, including a handgun, electronic weapon or device, tear gas gun, knife or billie, or any other lawful weapon at their disposal. This term does not include taking the weapon to a location that is prohibited by federal, state or local law, or negligent or unintended displays.

PARTIES TO THE POLICY

This legal expense insurance Policy is administered by the Plan Administrator on behalf of the Insurer. The Plan Administrator shall provide Member or any Covered Persons with a Plan Attorney for any incident covered by this Policy. The Plan Attorney shall perform the legal services described herein.

Member or any Covered Person may receive benefits from the legal services provided by Insurer. The benefits provided under this Policy shall be available to the Member who has paid all Premiums due under the Policy. The legal services described herein shall be available to the Member who applies and pays the appropriate Premium under the Policy. The effective date of the legal services is the day of signup where the first payment is made by the Member. The term of this Policy is twelve (12) months from the effective date. The term of this Policy shall automatically be renewed for twelve (12) months on the anniversary of the effective date, unless the Policy is terminated by the Member or under the express terms of this Policy.

The legal services described herein shall be available to the Member’s minor children if Member tenders the applicable Premiums. Such services shall include protection to Member’s minor children, who shall become Covered Persons upon the payment of the appropriate Premiums. Effective date of the legal services for minor children is the day of signup where the first applicable Premium is paid by the Member.

LEGAL SERVICES & BENEFITS

The Premiums paid by the Member entitles the Covered Persons to the legal services described herein and provided by a Plan Attorney. These services may be used by calling Insurer on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Member, shown on the Declarations Page.

The legal representation provided by this Policy is provided for a Member or any Covered Person by an attorney in any criminal or civil procedure arising from an incident involving a Member or any Covered Person providing that:

Member or Covered Person is, in good standing having paid all applicable Premiums;

Member or Covered Person has a “Use Of A Weapon” in the Covered State as defined above; and

Use Of A Weapon is in a place within the Covered State where the Member or Covered Person is legally permitted to possess a weapon.

Legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This Policy provides no benefit for any incident that occurred prior to the effective date of the Policy or after its termination.

An emergency hotline is maintained and answered 24 hours a day for Member access to a Plan Attorney for legal advice immediately after Use Of A Weapon.

Member or Covered Person access to a Plan Attorney is provided for legal advice regarding carrying and use of weapons and to give on-going legal advice on general weapons law.

If the Member tenders the appropriate Premiums for Multi-State Protection provided by Insurer, the Member and any Covered Persons shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

If the Member tenders the appropriate Premiums to include protection for minor children, Member shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a Use Of A Weapon incident. Minor children are subject to the same limitations and exclusions provided herein.

The Member and Covered Person will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and the applicable emergency hotline telephone number.

LIMITATIONS & EXCLUSIONS

In order for a Member or Covered Person to receive the benefits described in this Policy, at the time of a Use Of A Weapon incident occurs, the Member or Covered Person must be:

in legal possession of a weapon, and

at the time of the Use Of A Weapon the Member must be in a location where Member or Covered Person could legally possess a weapon.

Insurer or Insurer’s Plan Attorney will have no obligations under this Policy to defend or represent a Member or Covered Person if at the time the Member or Covered Person uses his or her weapon, the Member or Covered Person was not in lawful possession of the weapon, or was in a location, without legal justification, where possession of a weapon is illegal under state, federal, or local law or expected or intended injury.

“Bodily injury” or “property damage”, expected or intended, from the standpoint of the Member or Covered Person. This exclusion does not apply to “bodily injury” resulting from the use of reasonable force to protect persons or property.

Costs And Fees Not Covered Under This Contract. This Policy covers all Plan Attorneys’ fees for a covered incident, however, it is expressly understood that any expenses or costs associated with court filing fees, sheriff fees for service of summons or process, deposition and discovery costs, fines, penalties, damages assessed, investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Member and paid directly by the Member. This Policy shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.

This Policy specifically excludes all Hunting Activities including but not limited to criminal charges alleging a violation of criminal hunting of Feral Swine and fishing.

This Policy specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Covered Person’s Use Of A Weapon.

This Policy specifically excludes legal representation in criminal or civil matters arising from the Covered Person’s possession of a weapon in violation of local, state, or federal laws or in the commission of any crime for which justification under state law is inapplicable.

This Policy specifically excludes providing legal representation by a Plan Attorney for any incident, criminal investigation or prosecution arising from the Use Of A Weapon by the Member or Covered Person against the Member or Covered Person’s current or former family member, household or dating relationship as defined in the state statutes or other applicable state law.

This Policy specifically excludes providing legal representation by a Plan Attorney for Members or Covered Persons who use a weapon in the scope of their employment, including but not limited to, a police officer, a peace officer, security guard or military personnel.

This Policy excludes all states except, the state listed on the Declarations Page. This exclusion does not apply if Multi State Coverage has been purchased and is shown on the Declarations Page.

OPERATION & ADMINISTRATION OF PLAN

The Plan is administered by Insurer who shall provide services for Members and Covered Persons whose premiums are current, through Plan Attorneys pursuant to a participating attorney’s contract with Insurer.

Insurer shall enter into contractual agreements with the Plan Attorneys to provide legal services to Member and Covered Persons. The Plan Attorneys shall be selected by Insurer for Members and Covered Persons. No Member or Covered Person is required to consult with or be represented by a Plan Attorney. Each Member and Covered Person is free to consult with any attorney of their choice about any matter, including matters covered by this Policy, at the Members or Covered Person’s sole expense. Member or Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract. Insurer will not pay attorney’s fees to any other attorney other than a Plan Attorney.

Insurer shall maintain complete control over all administrative procedures. Insurer may alter or amend the Policy upon the renewal date of the Member’s policy. Any changes to the Policy shall be made effective only upon renewal of the Policy and shall not act to deprive Member or Covered Person of any service to which they were entitled for matters pending at the time of the change. Member or Covered Person must be notified of any change 30 days in advance of the change.

No change in the Policy is valid until the change has been approved by an executive officer of Insurer and unless such change is endorsed or attached to the Policy. There is no modification of the Policy rates while it is in effect. Policy rates may be modified upon renewal of the Policy on the anniversary date of signup.

This Policy is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses unless expressly covered by this contract.

CANCELLATION OF POLICY & REINSTATEMENT

A Member may terminate the Policy by providing Insurer or Plan Administrator with written notice of the Member’s intent to terminate the Policy and the termination date requested.

Insurer may cancel a Policy by mailing a written notice of cancellation to the Member to the last known address according to the records of Insurer. Insurer must mail notice of cancellation before the 30th day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:

Conviction of a crime arising out of acts increasing the hazard insured against;

Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;

Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;

Changes in the loss exposure which increase the hazard insured against;

A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or

A material increase in the hazard insured against.

If Insurer cancels the Policy of Member due to nonpayment, Insurer must mail notice of cancellation before the tenth (10th) day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and that the Policy is being cancelled because of nonpayment.

The Policy will be reinstated, with full rights and benefits, provided the Policy is not terminated pursuant to subsection c(2) or c(3) above and provided the Member remits to Insurer all Premiums due to bring the Policy to a current status before the termination date.

In the event that the Member terminates their Policy for any reason, or has their membership cancelled, the legal services provided to the Member or any Covered Person shall be ended. If any Member or Covered Person has an active matter at the time of termination, the Plan Attorney shall complete the legal matter unless the Member or Covered Person does not desire to be further represented by the Plan Attorney involved in the matter, or by any other Plan Attorney.

In the event that a membership is terminated by either the Member or the Insurer, the Member shall be entitled to a refund of unearned Premiums on a [pro-rata basis]. However, any monthly premiums that have not been earned by the Insurer shall be returned to Member within 15 working days after the effective date of cancellation, as determined by post mark. Insurer need not return amounts less than [$5.00], unless specifically requested to do so by Member. Likewise, should Member discharge a Plan Attorney as to any active matter without terminating membership of the Policy, no refund of earned Premiums shall be due to the terminated Member.

DUTIES OF MEMBERS In the Event of A Claim

Member has a duty to notify the Insurer or Plan Administrator if a Use Of A Weapon occurs by the Member and any Covered Person, as soon as practicable.

A Member and Covered Person shall:

Fully cooperate with Plan Attorney in a defense at any legal proceeding;

Attend any and all court dates, court hearings, and other official appearances in connection with the claims in an active matter; Keep all appointments with Plan Attorney and, if an expected event occurs that prevents keeping an appointment, the Member or Covered Person shall immediately notify Plan attorney if an appointment cannot be kept.

GENERAL PROVISIONS

The Insurer, as part of the implementation of this Policy, enters into agreements with Plan Attorneys who have agreed to provide services to the Members or Covered Persons under the conditions under each agreement. In none of these instances does the Insurer stand in the position of guarantor as to the honesty, proficiency, accuracy, or resourcefulness of the individual Plan Attorney or firm of Plan Attorney. Accordingly, if any Plan Attorney to whom a Member or Covered Person uses for a legal matter under this Policy performs or omits an act which may give rise to a claim for malpractice, the Member’s or Covered Person’s sole recourse will be against the individual Plan Attorney or Plan Attorney’s firm, that is handling that Member’s or Covered Person’s legal matter.

In the event of a complaint from a Member or Covered Person about a Plan Attorney, Insurer will attempt to resolve the complaint or to transfer the Member or Covered Person to another designated Plan Attorney. Before any such action is taken the Plan Attorney will be given an opportunity to resolve the problem. If the Insurer is unable to find a Plan Attorney willing to perform the services covered by this Policy or if the Plan Attorney is disqualified or otherwise unable to perform the services, the Insurer will select or appoint another Plan Attorney to provide the services to the Member or Covered Person.

In the event that Member or Covered Person should have a problem, complaint, or grievance concerning the legal services provided by the Plan Attorney, the Member or Covered Person may request a conference with the Plan Attorney and the Insurer by contacting the Insurer at the number indicated on the Declarations Page. The Member or Covered Person may request a conference with an impartial third party chosen by mutual agreement between Insurer and Member or Covered Person. A conference shall be held with Insurer, Plan Attorney, Member, Covered Person (if different from the Member) and the impartial third party in an effort to resolve the problem, complaint, or grievance.

Any and all complaints and grievances between any Member or Covered Person and Insurer or any of its affiliates and/or the Plan Attorney and/or any of its affiliates shall be submitted to binding arbitration in Duval County, Florida, pursuant to the terms and provisions of the American Arbitration Association.

Any Member or Covered Person has the right to file a grievance with the Bar Association concerning any Plan Attorney’s conduct. Nothing in this Policy shall be deemed to interfere with the Bar Association’s right to discipline attorneys for a violation of any Bar Association Canon or Rule addressing honesty, integrity, or fair dealing. The grievance resolution machinery addresses only disputes between the Insurer, Plan Attorney, Member or any Covered Person, involving issues including coverage other than legal ethics.

The obligation of the Plan Attorney in providing legal services under this Policy shall be solely to the Member or Covered Person. The Plan Attorney shall maintain the confidentiality of the attorney-client relationship in accordance with the Bar Rules and Codes of Professional Responsibility.

The Insurer may refuse to provide legal services under this Policy, if the Insurer or the Plan Attorney believes that the legal services are in the furtherance of a legal matter which is believed to be clearly frivolous, or which would violate the Bar Rules or Code of Professional Responsibility.

In the event that a Covered Person does not agree with the Plan Attorney’s advice or recommendations, the Plan Attorney may terminate the representation if done pursuant to the Bar Rules or Code of Professional Responsibility. Member or Covered Person may at all times retain counsel other than the Independent Plan Attorney provided under this Policy, however, Member and Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this Policy.

The Insurer is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Member or Covered Person seeks coverage under this Policy for a covered event under this Policy, then Member or Covered Person will have an attorney-client relationship solely with the Plan Attorney and there shall be no interference with that attorney-client relationship by the Insurer. Nothing in this Policy is intended to impair the ability of Member or Covered Person from addressing the conduct of a Plan Attorney with the State Bar Association. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by a Plan Attorney, are required by this Policy to be addressed solely with the Plan Attorney. Member and Covered Person acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this Policy, some owners or employees of Insurer may be licensed attorneys. Those attorneys who are also employees or owners of Insurer are NOT Plan Attorneys under this Policy, will not be providing legal services to Member or Covered Person, and will not have an attorney-client relationship with Member or Covered Person at any time.

There are no subrogation rights under this Policy.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Member or Covered Person by Insurer, Plan Administrator or Plan Attorney. It is further expressly agreed and understood that no other representations have been made to Member or Covered Person, except for those set out in this Policy.

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Accidental Death & Dismemberment Endorsement

SCHEDULE

Coverage

Accidental Death & Dismemberment Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and shown on the Endorsement Schedule or Policy Declarations Page.

This endorsement contains only the principal provisions relating to the coverage and payment of loss described herein. The insurance described is automatically terminated if the Policy is canceled as provided therein or if the person insured ceases to fall within the Member or Covered Person as stated in this endorsement.

Description of Member or Covered Person – As used herein, the Member or Covered Person means only the person(s) listed on the Policy Declarations Page as for whom the specific premium for this coverage is paid.

LIMIT OF LIABILITY

The principal sum, in limits ranging from [$1,000] to [$100,000] in increments of [$1,000] as selected by the Member or Covered Person indicated on the Policy Declarations Page.

Insurance applies only with respect to those coverages for which an amount is specified against loss resulting directly and independently of all other causes for accidental bodily injuries which arise out of the hazards described and are sustained by the Member or Covered Person during the term of the Policy, herein called injuries, to the extent herein provided.

The following description of Coverage’s and Provisions contain the principal provisions relating to coverage and payment of loss:

DEATH, DISMEMBERMENT OR LOSS OF SIGHT – If within ninety (90) days from the date of accident, such injuries shall result in death, dismemberment or loss of sight of the Member or Covered Person, the company will pay:

1. Loss of Life

The Principal Sum

2. Loss of Both Hands, Feet, or Eyes

The Principal Sum

3. Loss of one Hand and one Foot

The Principal Sum

4. Loss of either Hand or Foot

One Half Principal Sum

5. Loss of Sight of one Eye

One Half Principal Sum

6. Loss of Thumb and Index Finger of same Hand

One Half Principal Sum

Loss shall mean with regard to hand or foot, complete severance through or above the wrist or ankle joint, with regard to sight of eyes, entire and irrecoverable loss of sight; with regard to thumb and index finger, complete severance through or above metacarpophalangeal joint.

Subject to the terms of this endorsement the hazards insured against are all those to which the Member or Covered Person may be exposed to due to the Use Of A Weapon as defined in the Policy.

EXCLUSIONS

In addition to the Policy Exclusions, this endorsement does not cover any Accidental Death, Dismemberment or Loss of Sight loss incurred or resulting from the following:

Suicide or any attempt thereof by the Member or Covered Person, or self-destruction or any attempt thereof by the Member or Covered Person; or

Infections except phylogenic infections caused wholly by a covered injury; or

War or any act of war, or accident occurring while the Member or Covered Person is in the military, naval or air service of any country; or

Loss occurring while the Member or Covered Person is operating, or learning to operate, or performing duties as a member of the crew of any aircraft; or

Sickness or disease of any kind including surgical or medical treatment; or

The Member or Covered Person being intoxicated or under the influence of any narcotic unless administered on the advice of a physician and without warning against the Use Of A Weapon while under the influence of the narcotic; or

Hernia of any kind.

GENERAL PROVISIONS

The following provision is added to the Policy as follows:

The Insurer, at its own expense, shall have the right and opportunity to examine the Member or Covered Person whose injury is the basis of claim when and as often as it may reasonably require while a claim is pending hereunder and to make an autopsy in case of death where it is not forbidden by law.

Written notice of claim must be given to the Insurer within 20 days after the occurrence of any loss covered by this endorsement, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the Member or Covered Person to the Insurer at its Administrative Office in Jacksonville, Florida, with information sufficient to identify the Member or Covered Person shall be deemed notice to the Insurer.

Upon receipt of a written notice of claim, Insurer will furnish to the Member or Covered Person such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice the Member or Covered Person shall be deemed to have complied with the requirements of this endorsement as to proof of loss upon submitting, within the time fixed in this endorsement for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made.

Written proof of loss must be furnished to Insurer within 90 days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible.

Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed therein and effective at the time of the payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the Member or Covered Person. Any accrued indemnities unpaid at the Member or Covered Person’s death may, at the option of the Insurer, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the Member or Covered Person.

No action at law or in equity shall be brought to recover on the Policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this endorsement. No such action shall be brought after the expiration of three years after the time written proof of loss is required to be furnished.

Any provision of the Policy, which, on its effective date, is in conflict with the statutes of the state in which the Policy was issued, is hereby amended to conform to the minimum of such statues.

All other terms and conditions remain unchanged.

LYNDON SOUTHERN INSURANCE COMPANY
Domiciled in Wilmington, Delaware

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HUNTING ACTIVITY ENDORSEMENT

SCHEDULE

Coverage

Hunting Activity Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and is shown on the Endorsement Schedule or Policy Declarations Page.

Exclusion V., c. of the Policy, is deleted and replaced with the following Legal Services Benefit:

Hunting Program Legal Representation Benefits:

A Member in good standing shall be entitled to coverage for the reasonable legal services of a Plan Attorney.

Benefits are limited to:

defense of any criminal charges, by a Plan Attorney, alleging a violation of Title 23 Wildlife Resources Code of Utah and the Utah Code R657 as it pertains to Hunting Activity or fishing, against the Policy Holder;

defense of any criminal charges, by a Plan Attorney, alleging a violation of Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing; or

defense of any civil claims, by a Plan Attorney, brought against the Member and any Covered Person that arises as a direct result of his or her Hunting Activity or fishing.

All such legal representations shall be subject to the limitations and exclusions set forth below.

Hunting Activity – means, in addition to actual hunting, an event or occurrence involving:

the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and

the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: Plan Attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

at the time of the occurrence giving rise to a claim is engaged in a criminal act other than an offense , alleging a violation of Title 23 Wildlife Resources Code of Utah and the Utah Code R657 as it pertains to Hunting Activity or fishing, against the Policy Holder, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity or fishing; or

at the time of the incident giving rise to a claim the Member or any Covered Person was not in lawful possession of the firearm; or

the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of a Member and any Covered Person: The provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in Policy. The provisions of this program shall only apply and be effective for incidents that occur within the State of Utah.

This program is intended to provide the Member and any Covered Person with the reasonable legal services of a Plan Attorney. Nothing in this Hunting Activity Endorsement shall be construed or deemed to provide the Member or any Covered Person with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Member or Covered Person, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against the Member or Covered Person.

All other terms and conditions remain unchanged.

Virginia Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF VIRGINIA, INC. LEGAL SERVICE SUBSCRIPTION CONTRACT

Principal Office – 1020 Bay Area Boulevard, Suite 220, Houston, Texas 770581 (877) 474-7184

DEFINITIONS

“Independent Contracting Attorney” – An independent, third-party, licensed attorney that U.S. Law Shield of Virginia, Inc. contracts with to provide legal services for the Legal Service Contract Holder under this Legal Service Contract. This definition shall apply throughout the entirety of this agreement. Any references herein to Contracting Attorney, Independent Contracting Attorney, attorney, program attorney, legal services, legal defense, and other similar terms shall refer to an independent, third-party, licensed attorney that U.S. Law Shield of Virginia, Inc. contracts with to provide legal services for the Legal Service Contract Holder.

“Use of a Firearm or Other Lawful Weapon” – Any incident where the Legal Service Contract Holder either discharges or displays a firearm (or uses any other lawful weapon at their disposal, including accidental discharges) for the purpose of using the firearm or other lawful weapon to stop a threat, whether the Legal Service Contract Holder pulls the trigger and discharges the firearm or not, or otherwise actually uses the other lawful weapon or not. This term does not include taking the firearm or other lawful weapon to a location that is prohibited by federal, state, or local law.

“Legal Service Contract” – The present subscription contract entered into between Legal Service Contract Holder and U.S. Law Shield of Virginia, Inc. for consideration and under which U.S. Law Shield of Virginia, Inc. will obtain legal services for the Legal Service Contract Holder through an Independent Contracting Attorney.

“Legal Service Contract Holder” – Person who purchased the U.S. Law Shield of Virginia, Inc. Legal Service Subscription Contract.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield of Virginia, Inc. who shall provide Legal Service Contract Holders with an Independent Contracting Attorney for any incident covered by this Legal Service Contract. U.S. Law Shield of Virginia, Inc. shall offer the Legal Service Contract in the State of Virginia. The Independent Contracting Attorney shall perform the legal services described herein.

The person purchasing this contract is the Legal Service Contract Holder and shall benefit from the legal services provided by U.S. Law Shield of Virginia, Inc. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

_____________________, is the sales representative who sold or solicited this Legal Service Contract on behalf of U.S. Law Shield of Virginia, Inc.

ELIGIBILITY & EFFECTIVE DATE

The legal services described herein shall be available to the Legal Service Contract Holder who enrolls and pays the appropriate fee under the Legal Service Contract. The effective date of the legal services is the day of signup where the first payment is made by the Legal Service Contract Holder. The term of this agreement is 12 months from effective date. The term of this contract shall automatically be extended for 12 months on the anniversary of the effective date, unless the contract is lawfully terminated pursuant to the terms of this agreement.

The legal services described herein shall be available to the Legal Service Contract Holder’s dependents if Legal Service Contract Holder tenders separate consideration to include protection to their minor children. Effective date of the legal services for dependents is the day of signup where the first payment is made by the Legal Service Contract Holder.

LEGAL SERVICES & BENEFITS

The consideration provided by the Legal Service Contract Holder entitles them to the following legal services by an Independent Contracting Attorney and these services may be utilized by calling U.S. Law Shield of Virginia, Inc. on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Legal Service Contract Holder.

Legal representation is provided by an Independent Contracting Attorney in any criminal or civil proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a “Use of a Firearm or Other Lawful Weapon” as defined above, if the Legal Service Contract Holder is in a place within the State of Virginia where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Coverage for independent legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction. It shall not include appeals of a trial court’s judgment to a court of appeals. This agreement provides no benefit for any incident that took place prior to the effective date of this Legal Services Contract or after its termination.

An emergency hotline is maintained and answered 24 hours a day for any Legal Service Contract Holder.

Upon request, an Independent Contracting Attorney is provided for legal advice regarding the use and carrying of firearms and other lawful weapons.

If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of Virginia, the Legal Service Contract Holder shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits provided herein and is subject to the limitations and exclusions provided herein.

If the Legal Service Contract Holder tenders separate consideration to include protection for minor children, Legal Service Contract Holder shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a “Use of Firearm or Other Lawful Weapon.” Minor children are subject to the same limitations and exclusions provided herein.

Legal Service Contract Holder shall receive all of the preceding benefits from Independent Contracting Attorney regardless of payments, performance, consideration, the solvency or continued operations of U.S. Law Shield of Virginia, Inc. Independent Contracting Attorney shall be responsible for providing services whether or not U.S. Law Shield becomes bankrupt or otherwise ceases to function in the anticipated manner.

The Legal Service Contract Holder will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and emergency hotline.

DEDUCTIBLES OR COPAYMENTS

There are no deductibles or copayments under this Legal Service Contract.

LIMITATIONS & EXCLUSIONS

In order for Legal Service Contract Holder to receive the benefits described in this Legal Services Contract, at the time a use of a firearm or other lawful weapon incident occurs, the Legal Service Contract Holder must be in legal possession of the firearm or other weapon, and at the time of the use of a firearm or other lawful weapon the Legal Service Contract Holder must be in a location where Legal Services Contract Holder could legally possess a firearm or other lawful weapon.

Neither U.S. Law Shield of Virginia, Inc. nor U.S. Law Shield of Virginia, Inc.’s Independent Contracting Attorneys will have any obligations under this contract to provide coverage to defend a Legal Service Contract Holder if at the time the Legal Service Contract Holder used his or her firearm or other lawful weapon, the Legal Service Contract Holder was not in lawful possession of the firearm or other lawful weapon, or was in a location, without legal justification, where possession of a firearm or other lawful weapon is illegal under state, federal, or local law.

This Legal Service Contract specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Legal Contract Holder’s use of a firearm or other lawful weapon for which justification is available as a defense.

This Legal Service Contract specifically excludes legal representation for the Legal Service Contract Holder’s use of a firearm or other lawful weapon, if at the time of the use of the firearm or other lawful weapon, Legal Service Contract Holder was in the commission of any crime using their firearm or other lawful weapon for which justification under state law is inapplicable.

Family Violence Exclusion. This Legal Service Contract specifically excludes providing legal representation from an Independent Contracting Attorney for any incident, criminal investigation or prosecution arising from the use of a firearm or other lawful weapon by the Legal Service Contract Holder against the Legal Service Contract Holder’s current or former family member, household or dating relationship as defined in applicable state law.

TRANSFERABILITY & REIMBURSEMENT

The Legal Service Contract is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses not specifically covered by this contract.

CANCELLATION OF CONTRACT & REINSTATEMENT

Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of Virginia, Inc. with written notice of the Legal Service Contract Holder’s intent to terminate the contract not later than the seventh day after the date the Legal Service Contract Holder receives the contract.

If the Legal Service Contract is terminated by the Legal Service Contract Holder in accordance with Section A above and the Legal Service Contract Holder has not sought legal services under the contract before termination, the Legal Service Contract is void and U.S. Law Shield of Virginia, Inc. shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract. If the Legal Service Contract is otherwise lawfully terminated by the Legal Service Contract Holder or by U.S. Law Shield of Virginia, Inc. as indicated hereinbelow, U.S. Law Shield will refund the unearned premium, pro rata, to the Legal Service Contract Holder.

U.S. Law Shield of Virginia, Inc. may cancel a Legal Service Contract by mailing a written notice of cancellation to the Legal Service Contract Holder at the last known address according to the records of U.S. Law Shield of Virginia, Inc. by first class mail. U.S. Law Shield of Virginia, Inc. must mail notice before the 10th day preceding the effective date of the cancellation if the contract is less than 60 days old or the reason for cancellation is for nonpayment. The notice must state the effective date of the cancellation and the reason for cancellation.

If the contract is older than 60 days, U.S. Law Shield of Virginia, Inc. shall provide 30 days prior notice of cancellation, in the manner outlined in paragraph C. above. No notice is required for cancellation in the case where a Legal Service Contract is void ab initio for failure of consideration.

There shall be a grace period of 31 days. The Legal Service Contract will be reinstated, with full rights and benefits, provided the contract is not terminated because of a material misrepresentation made by the Legal Service Contract Holder or because of a substantial breach of duty by the Holder and provided the Legal Contract Holder remits to U.S. Law Shield within the 31 day period all fees necessary to pay the Legal Service Contract to a current status, and provided there has been no use of a firearm or other weapon within such 31 day period.

DUTIES OF LEGAL SERVICE CONTRACT HOLDER

Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of Virginia, Inc. if a use of a firearm or other lawful weapon occurs by the Legal Services Contract Holder.

The Legal Service Contract Holder agrees to fully cooperate with Independent Contracting Attorney in a defense at any legal proceeding, attend any and all court dates, court hearings, and other official appearances in connection with the charges in this matter.

It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Virginia, Inc. and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield of Virginia, Inc. if an appointment cannot be kept.

The Legal Service Contract Holder agrees to promptly inform U.S. Law Shield of Virginia, Inc. of all changes in his or her address or telephone number.

Request for legal services shall be initiated by calling U.S. Law Shield of Virginia, Inc.’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@uslawshield.com.

GENERAL PROVISIONS

Items Not Covered Under This Contract. It is expressly understood that any expenses associated with investigators, expert witnesses, witnesses’ attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Legal Services Contract Holder and paid directly by the Legal Service Contract Holder. This Legal Service Contract shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including, but not limited to, witness fees, witness travel expenses, and/or lodging, and shall not cover court costs, bonds and expenses related to appeals, records and transcripts.

B. It is expressly understood that any expenses associated with an appeal taken to the Court of Appeals or the Supreme Court, petition for discretionary review to the Supreme Court, or any other form of appellate review, whether in state or federal court is not covered by this Legal Service Contract.

No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of Virginia, Inc. and unless such change is endorsed or attached to the contract. There is no modification of the Legal Service Contract rates while it is in effect. Contract rates may be modified upon renewal of the Legal Service Contract on the anniversary date of signup. This is the entire agreement between the parties. There are no other contracts or endorsements.

Marketing/Advertising/Promotional Fees. Legal Service Contract Holder acknowledges and agrees that one or more third-parties may receive compensation in connection with the marketing, sale or advertising of this Legal Service Contract, including marketing or advertising fees, salaries, contract payments, facility lease payments, commissions and/or passive commissions as authorized by applicable statutes, laws and rules.

Resolution of Disputes. Any and all complaints, claims, causes of action, suits, disputes or any other legal assertions between the Legal Service Contract Holder and U.S. Law Shield of Virginia, Inc. or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in Harris County, Texas, pursuant to the terms and provisions of the American Arbitration Association. Legal Service Contract Holder expressly waives the right to proceed with any legal action, other than on an individual basis in an arbitration proceeding described herein. If this venue selection is not permitted under applicable state law, then applicable venue provisions shall apply. Legal Service Contract Holder specifically waives the right to proceed with arbitration in the nature of a class action or a class wide arbitration, and expressly waives the right to proceed in any court on a class basis or class action basis.

Independence of Contracting Attorneys. U.S. Law Shield of Virginia, Inc. is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Legal Service Contract Holder seeks coverage under this agreement for a covered event under this contract, then Legal Service Contract Holder will have an attorney-client relationship solely with the Independent Contracting Attorney and there shall be no interference with that attorney-client relationship by U.S. Law Shield of Virginia, Inc.. Nothing in this contract is intended to impair the ability of Legal Service Contract Holder from addressing the conduct of an Independent Contracting Attorney with the State Bar of Virginia. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by an Independent Contracting Attorney, are required by this contract to be addressed solely with the Independent Contracting Attorney. Legal Service Contract Holder acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this contract, some owners or employees of U.S. Law Shield of Virginia, Inc. may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Virginia, Inc. are NOT Independent Contracting Attorneys under this agreement, will not be providing legal services to Legal Service Contract Holder, and will not have an attorney-client relationship with Legal Service Contract Holder at any time.

G. Legal Service Contract Holder may at all times retain counsel different than provided under this contract, however, Legal Service Contract Holder shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract.

Subrogation rights – There are no subrogation rights under this Legal Services Contract.

U.S. Law Shield of Virginia, Inc. offers a legal service plan in the State of Virginia. This Legal Service Contract is not an insurance contract

LEGAL SERVICES CONTRACT PRICING
Legal Service Contract Price

Individual: $131.40/year or $10.95/month

Couples: $240.00/year or $10.95/month + $10.95/month ($21.90/month)

Optional Coverage

Multi State Coverage Per Person: $35.40/year or $2.95/month

Minor Children: $24.00/year or $2.00/month

*New Legal Service Contract Holder Packet, $19.95, is a one-time, per member fee at sign up.

Wisconsin Members: The following is the terms of your membership that establishes your rights under the program.

U.S. LAW SHIELD OF WISCONSIN, LLC LEGAL SERVICE CONTRACT
BLUE RIDGE INDEMNITY COMPANY

[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

POLICY NUMBER: _____________________________

Insured:

Address:

City:

State:

Zip:

POLICY PERIOD:

Effective: _____________ From ________________ at 12: 01 A.M

FIREARMS LEGAL DEFENSE PROGRAM

DECLARATIONS

In consideration of the payment of premiums and subject to all of the terms of this Policy, Blue Ridge Indemnity Company agrees to make available legal services described herein to the person insured hereunder whose name is:
_______________________________________________________________________________________________________________

(herein called “Member”)

The rate of premium of this Policy per month per Member as defined in the Policy is: $________________

If the Member chooses to add coverage for their spouse as defined in the Policy, the rate of premium is: $_______________________

If the Member chooses to add coverage for their minor children as defined in the Policy, the rate of premium is: $____________________

If the Member chooses to add Multi-State Protection as defined in the Policy, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Accidental Death and Dismemberment, the additional rate of premium is: $___________________

If the Member chooses to add coverage for Hunting Activity, the additional rate of premium is: $___________________

This Policy is subject to the laws of the jurisdiction that it is issued in.

The coverage afforded to the Member is only with respect to this Policy as indicated herein. The limit of the Company’s liability shall be as stated in this Policy.

The provisions in the following pages hereof form a part of this Policy are fully incorporated herein over the signatures appearing below.

In WITNESS WHEREOF, BLUE RIDGE INDEMNITY COMPANY has caused this Policy to be executed at its Administrative Office in Jacksonville, Florida on the Effective Date of this Policy.

Signed at Our Administrative Office.

Secretary

President

TABLE OF CONTENTS
I. INSURING AGREEMENT

Page 3

II. DEFINITIONS

Page 3

III. PARTIES TO THE POLICY

Page 4

IV. LEGAL SERVICES & BENEFITS

Page 4

V. LIMITATIONS & EXCLUSIONS

Page 5

VI. OPERATION & ADMINISTRATION OF PLAN

Page 5

VII. CANCELLATION OF PLAN & REINSTATMENT

Page 6

VIII. DUTIES OF MEMBERS

Page 7

IX. GENERAL PROVISIONS

Page 7

BLUE RIDGE INDEMNITY COMPANY
[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

MEMBER POLICY
FIREARMS LEGAL DEFENSE PROGRAM

In consideration of the payment of premiums and subject to the terms of this Policy, Blue Ridge Indemnity Company agrees to make available legal services described herein.

INSURING AGREEMENT

Blue Ridge Indemnity Company will provide legal services to Members and Covered Persons who legally possess a weapon and has a Use Of A Weapon as determined herein in defense of themselves, other persons, or property. Various provisions in this Policy restrict coverage.

Various provisions in this Policy restrict coverage.
Read the entire Policy carefully to determine rights, duties and what is and is not covered.

DEFINITIONS

Insurer – Blue Ridge Indemnity Company, Administrative Office: 10151 Deerwood Park Blvd., Bldg. 100, Ste. 500, Jacksonville, FL 32256

Application – Means all signed applications for this Policy, including any attachments, addenda and other materials submitted in conjunction with the signed applications(s).

Covered Person – Means spouse and/or minor children with all premiums paid.

Plan Administrator – Business entity appointed by an Insurer to solicit applications, policyholder services and issue policies.

Member – Person who has submitted an Application, been accepted by the Insurer, and has paid all Premiums due.

Premium(s) – The amount paid for this Policy as described on the Declarations Page.

Plan Attorney – A licensed attorney contracted by the Insurer to provide legal services for the Member and Covered Persons under this Policy.

Policy – This agreement detailing the terms and conditions of this contract of insurance, which has entered into between the Insurer and Member.

Use Of A Weapon – Any incident where the Member or Covered Person either discharges or displays a weapon for the purpose of using the weapon to stop a threat. For purposes of this Policy, a weapon is defined as any firearm, including a handgun, electronic weapon or device, tear gas gun, knife or billie, or any other lawful weapon at their disposal. This term does not include taking the weapon to a location that is prohibited by federal, state or local law, negligent or unintended discharges, or negligent or unintended displays.

PARTIES TO THE POLICY

This legal expense insurance Policy is administered by the Plan Administrator on behalf of the Insurer. The Plan Administrator shall provide Mem ber or an y Covered Persons with a Plan Attorney for any incident covered by this Policy. The Plan Attorney shall perform the legal services described herein.

Member or any Covered Person may receive benefits from the legal services provided by Insurer. The benefits provided under this Policy shall be available to the Member who has paid all Premiums due under the Policy. The legal services described herein shall be available to the Member who applies and pays the appropriate Premium under the Policy. The effective date of the legal services is the day of signup where the first payment is made by the Member. The term of this Policy is twelve (12) months from the effective date. The term of this Policy shall automatically be renewed for twelve (12) months on the anniversary of the effective date, unless the Policy is terminated by the Member or under the express terms of this Policy.

The legal services described herein shall be available to the Member’s minor children if Member tenders the applicable Premiums. Such services shall include protection to Member’s minor children, who shall become Covered Persons upon the payment of the appropriate Premiums. Effective date of the legal services for minor children is the day of signup where the first applicable Premium is paid by the Member.

LEGAL SERVICES & BENEFITS

The Premiums paid by the Member entitles the Covered Persons to the legal services described herein and provided by a Plan Attorney. These services may be used by calling Insurer on the business telephone numbers provided on membership cards, or, in case of emergency the 24/7 shooting hotline telephone number provided to each Member, shown on the Declarations Page.

The legal representation provided by this Policy is provided for a Member or any Covered Person by an attorney in any criminal or civil procedure arising from an incident involving a Member or any Covered Person providing that:

Member or Covered Person is, in good standing having paid all applicable Premiums;

Member or Covered Person has a “Use Of A Weapon” as defined above; and

Use Of A Weapon is in a place within the State where the Member or Covered Person is legally permitted to possess a weapon.

Legal representation for these matters shall extend to and include a trial (including retrials) on the merits in a court or tribunal of competent jurisdiction, and a direct appeal of any final judgment to the court with appellate jurisdiction over such appeal and a further appeal to the highest court of appeals in such jurisdiction. This agreement shall not provide coverage for an appeal that is frivolous and in bad faith or solely for the purposes of delay or harassment. This Policy provides no benefit for any incident that occurred prior to the effective date of the Policy or after its termination.

An emergency hotline is maintained and answered 24 hours a day for Member access to a Plan Attorney for legal advice immediately after Use Of A Weapon.

Member or Covered Person access to a Plan Attorney is provided for legal advice regarding carrying and use of weapons and to give on-going legal advice on general weapons law.

If the Member tenders the appropriate Premiums for Multi-State Protection provided by Insurer, the Member and any Covered Persons shall be entitled to the same legal services and benefits as described herein for all 50 states and the District of Columbia. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

If the Member tenders the appropriate Premiums to include protection for minor children, Member shall be entitled to legal services and benefits described herein for his or her minor children in the event the minor child has a Use Of A Weapon incident. Minor children are subject to the same limitations and exclusions provided herein.

The Member and Covered Person will also receive:

Periodic updates on topics affecting gun owners;

Educational material concerning gun ownership, gun rights and the law; and

A membership card with a unique member number and the applicable emergency hotline telephone number.

LIMITATIONS & EXCLUSIONS

In order for a Member or Covered Person to receive the benefits described in this Policy, at the time of a Use Of A Weapon incident occurs, the Member or Covered Person must be:

in legal possession of a weapon, and

at the time of the Use Of A Weapon the Member must be in a location where Member or Covered Person could legally possess a weapon.

Insurer or Insurer’s Plan Attorney will have no obligations under this Policy to defend or represent a Member or Covered Person if at the time the Member or Covered Person uses his or her weapon, the Member or Covered Person was not in lawful possession of the weapon, or was in a location, without legal justification, where possession of a weapon is illegal under state, federal, or local law or expected or intended injury. “Bodily injury” or “property damage”, expected or intended, from the standpoint of the Member or Covered Person. This exclusion does not apply to “bodily injury” resulting from the use of reasonable force to protect persons or property.

Costs And Fees Not Covered Under This Contract. This Policy covers all Plan Attorneys’ fees for a covered incident, however, it is expressly understood that any expenses or costs associated with court filing fees, sheriff fees for service of summons or process, deposition and discovery costs, fines, penalties, damages assessed, investigators, expert witnesses, witnesses attendance, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees shall be solely the responsibility of the Member and paid directly by the Member. This Policy shall not cover expenses related to securing the testimony or evidence of any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.

This Policy specifically excludes all Hunting Activities including but not limited to criminal charges alleging a violation of criminal hunting of Feral Swine and fishing.

This Policy specifically excludes legal representation in any criminal or civil actions for conduct that is not directly and specifically related to the Covered Person’s Use Of A Weapon.

This Policy specifically excludes legal representation in criminal or civil matters arising from the Covered Person’s possession of a weapon in violation of local, state, or federal laws or in the commission of any crime for which justification under state law is inapplicable.

This Policy specifically excludes providing legal representation by a Plan Attorney for any incident, criminal investigation or prosecution arising from the Use Of A Weapon by the Member or Covered Person against the Mem ber or Covered Person’s current or former family member, household or dating relationship as defined in the state statutes or other applicable state law.

OPERATION & ADMINISTRATION OF PLAN

The Plan is administered by Insurer who shall provide services for Members and Covered Persons whose premiums are current, through Plan Attorneys pursuant to a participating attorney’s contract with Insurer.

Insurer shall enter into contractual agreements with the Plan Attorneys to provide legal services to Member and Covered Persons. The Plan Attorneys shall be selected by Insurer for Members and Covered Persons. No Member or Covered Person is required to consult with or be represented by a Plan Attorney. Each Member and Covered Person is free to consult with any attorney of their choice about any matter, including matters covered by this Policy, at the Members or Covered Person’s sole expense. Member or Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this contract. Insurer will not pay attorney’s fees to any other attorney other than a Plan Attorney.

Insurer shall maintain complete control over all administrative procedures. Insurer may alter or amend the Policy upon the renewal date of the Member’s policy. Any changes to the Policy shall be made effective only upon renewal of the Policy and shall not act to deprive Member or Covered Person of any service to which they were entitled for matters pending at the time of the change. Member or Covered Person must be notified of any change 30 days in advance of the change.

No change in the Policy is valid until the change has been approved by an executive officer of Insurer and unless such change is endorsed or attached to the Policy. There is no modification of the Policy rates while it is in effect. Policy rates may be modified upon renewal of the Policy on the anniversary date of signup.

This Policy is not transferable and the benefits contained herein are not assignable and shall provide no amount of reimbursement of costs, fees or expenses unless expressly covered by this contract.

CANCELLATION OF POLICY & REINSTATEMENT

A Member may terminate the Policy by providing Insurer or Plan Administrator with written notice of the Member’s intent to terminate the Policy and the termination date requested.

Insurer may cancel a Policy by mailing a written notice of cancellation to the Member to the last known address according to the records of Insurer. Insurer must mail notice of cancellation before the 30th day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:

Conviction of a crime arising out of acts increasing the hazard insured against;

Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;

Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;

Changes in the loss exposure which increase the hazard insured against;

A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or

A material increase in the hazard insured against.

If Insurer cancels the Policy of Member due to nonpayment, Insurer must mail notice of cancellation before the tenth (10th) day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and that the Policy is being cancelled because of nonpayment.

The Policy will be reinstated, with full rights and benefits, provided the Policy is not terminated pursuant to subsection c(2) or c(3) above and provided the Member remits to Insurer all Premiums due to bring the Policy to a current status before the termination date.

In the event that the Member terminates their Policy for any reason, or has their membership cancelled, the legal services provided to the Member or any Covered Person shall be ended. If any Member or Covered Person has an active matter at the time of termination, the Plan Attorney shall complete the legal matter unless the Member or Covered Person does not desire to be further represented by the Plan Attorney involved in the matter, or by any other Plan Attorney.

In the event that a membership is terminated by either the Member or the Insurer, the Member shall be entitled to a refund of unearned Premiums on a pro-rata basis. However, any monthly premiums that have not been earned by the Insurer shall be returned to Member within 15 working days after the effective date of cancellation, as determined by post mark. Insurer need not return amounts less than $5.00, unless specifically requested to do so by Member. Likewise, should Member discharge a Plan Attorney as to any active matter without terminating membership of the Policy, no refund of earned Premiums shall be due to the terminated Member.

DUTIES OF MEMBERS In the Event of A Claim

Member has a duty to notify the Insurer or Plan Administrator if a Use Of A Weapon occurs by the Member a nd any Covered Person, as soon as practicable.

A Member and Covered Person shall:

Fully cooperate with Plan Attorney in a defense at any legal proceeding;

Attend any and all court dates, court hearings, and other official appearances in connection with the claims in an active matter; Keep all appointments with Plan Attorney and, if an expected event occurs that prevents keeping an appointment, the Member or Covered Person shall immediately notify Plan attorney if an appointment cannot be kept.

GENERAL PROVISIONS

The Insurer, as part of the implementation of this Policy, enters into agreements with Plan Attorneys who have agreed to provide services to the Members or Covered Persons under the conditions under each agreement. In none of these instances does the Insurer stand in the position of guarantor as to the honesty, proficiency, accuracy, or resourcefulness of the individual Plan Attorney or firm of Plan Attorney. Accordingly, if any Plan Attorney to whom a Member or Covered Person uses for a legal matter under this Policy performs or omits an act which may give rise to a claim for malpractice, the Member’s or Cover ed Person ’s sole recourse will be against the individual Plan Attorney or Plan Attorney’s firm, that is handling that Member’s or Covered Person ’s legal matter.

In the event of a complaint from a Mem ber or Covered Person about a Plan Attorney, Insurer will attempt to resolve the complaint or to transfer the Member or Covered Person to another designated Plan Attorney. Before any such action is taken the Plan Attorney will be given an opportunity to resolve the problem. If the Insurer is unable to find a Plan Attorney willing to perform the services covered by this Policy or if the Plan Attorney is disqualified or otherwise unable to perform the services, the Insurer will select or appoint another Plan Attorney to provide the services to the Member or Covered Person.

In the event that Member or Covered Person should have a problem, complaint, or grievance concerning the legal services provided by the Plan Attorney, the Member or Covered Person may request a conference with the Plan Attorney and the Insurer by contacting the Insurer at the number indicated on the Declarations Page. The Member or Covered Person may request a conference with an impartial third party chosen by mutual agreement between Insurer and Member or Covered Person. A conference shall be held with Insurer, Plan Attorney, Member, Covered Person (if different from the Member) and the impartial third party in an effort to resolve the problem, complaint, or grievance.

Any and all complaints and grievances between any Mem ber or Covered Person and Insurer or any of its affiliates and/or the Plan Attorney and/or any of its affiliates shall be submitted to binding arbitration in Duval County, Florida, pursuant to the terms and provisions of the American Arbitration Association.

Any Member or Covered Person has the right to file a grievance with the Bar Association concerning any Plan Attorney’s conduct. Nothing in this Policy shall be deemed to interfere with the Bar Association’s right to discipline attorneys for a violation of any Bar Association Canon or Rule addressing honesty, integrity, or fair dealing. The grievance resolution machinery addresses only disputes between the Insurer, Plan Attorney, Member or any Covered Person, involving issues including coverage other than legal ethics.

The obligation of the Plan Attorney in providing legal services under this Policy shall be solely to the Member or Covered Person. The Plan Attorney shall maintain the confidentiality of the attorney-client relationship in accordance with the Bar Rules and Codes of Professional Responsibility.

The Insurer may refuse to provide legal services under this Policy, if the Insurer or the Plan Attorney believes that the legal services are in the furtherance of a legal matter which is believed to be clearly frivolous, or which would violate the Bar Rules or Code of Professional Responsibility.

In the event that a Covered Person does not agree with the Plan Attorney’s advice or recommendations, the Plan Attorney may terminate the representation if done pursuant to the Bar Rules or Code of Professional Responsibility. Member or Covered Person may at all times retain counsel other than the Independent Plan Attorney provided under this Policy, however, Member and Covered Person shall be responsible for all attorneys’ fees, cost and expenses of this different counsel and shall receive no reimbursement under this Policy.

The Insurer is not a law firm and any legal services are provided by independent third-party contracting attorneys. If Member or Covered Person seeks coverage under this Policy for a covered event under this Policy, then Member or Covered Person will have an attorney-client relationship solely with the Plan Attorney and there shall be no interference with that attorney-client relationship by the Insurer. Nothing in this Policy is intended to impair the ability of Member or Covered Person from addressing the conduct of a Plan Attorney with the State Bar Association. All complaints about the legal services provided, professional misconduct, or claims that services were not provided, as the case may be, by a Plan Attorney, are required by this Policy to be addressed solely with the Plan Attorney. Member and Covered Person acknowledges that, separate and apart from the independent third-party contracting attorneys provided for under this Policy, some owners or employees of Insurer may be licensed attorneys. Those attorneys who are also employees or owners of Insurer are NOT Plan Attorneys under this Policy, will not be providing legal services to Member or Covered Person, and will not have an attorney-client relationship with Member or Covered Person at any time.

There are no subrogation rights under this Policy.

It is expressly agreed and understood that NO PROMISES OR GUARANTEES as to the outcome of any case (past, current or future) have been made to Member or Covered Person by Insurer, Plan Administrator or Plan Attorney. It is further expressly agreed and understood that no other representations have been made to Member or Covered Person, except for those set out in this Policy.

BLUE RIDGE INDEMNITY COMPANY
[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Accidental Death & Dismemberment Endorsement

SCHEDULE

Coverage

Accidental Death & Dismemberment Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and shown on the Endorsement Schedule or Policy Declarations Page.

This endorsement contains only the principal provisions relating to the coverage and payment of loss described herein. The insurance described is automatically terminated if the Policy is canceled as provided therein or if the person insured ceases to fall within the Member or Covered Person as stated in this endorsement.

Description of Member or Covered Person – As used herein, the Member or Covered Person means only the person(s) listed on the Policy Declarations Page as for whom the specific premium for this coverage is paid.

LIMIT OF LIABILITY

The principal sum, in limits ranging from [$1,000] to [$100,000] in increments of [$1,000] as selected by the Member or Covered Person indicated on the Policy Declarations Page.

Insurance applies only with respect to those coverages for which an amount is specified against loss resulting directly and independently of all other causes for accidental bodily injuries which arise out of the hazards described and are sustained by the Member or Covered Person during the term of the Policy, herein called injuries, to the extent herein provided.

The following description of Coverage’s and Provisions contain the principal provisions relating to coverage and payment of loss:

DEATH, DISMEMBERMENT OR LOSS OF SIGHT – If within ninety (90) days from the date of accident, such injuries shall result in death, dismemberment or loss of sight of the Member or Covered Person, the company will pay:

1. Loss of Life

The Principal Sum

2. Loss of Both Hands, Feet, or Eyes

The Principal Sum

3. Loss of one Hand and one Foot

The Principal Sum

4. Loss of either Hand or Foot

One Half Principal Sum

5. Loss of Sight of one Eye

One Half Principal Sum

6. Loss of Thumb and Index Finger of same Hand

One Half Principal Sum

Loss shall mean with regard to hand or foot, complete severance through or above the wrist or ankle joint, with regard to sight of eyes, entire and irrecoverable loss of sight; with regard to thumb and index finger, complete severance through or above metacarpophalangeal joint.

Subject to the terms of this endorsement the hazards insured against are all those to which the Member or Covered Person may be exposed to due to the Use Of A Weapon as defined in the Policy.

In addition to the Policy Exclusions, this endorsement does not cover any Accidental Death, Dismemberment or Loss of Sight loss incurred or resulting from the following:

1. Suicide or any attempt thereof by the Member or Covered Person, or self-destruction or any attempt thereof by the Member or Covered Person; or

2. Infections except phylogenic infections caused wholly by a covered injury; or

3. War or any act of war, or accident occurring while the Member or Covered Person is in the military, naval or air service of any country; or

4. Loss occurring while the Member or Covered Person is operating, or learning to operate, or performing duties as a member of the crew of any aircraft; or

5. Sickness or disease of any kind including surgical or medical treatment; or

6. The Member or Covered Person being intoxicated or under the influence of any narcotic unless administered on the advice of a physician and without warning against the Use Of A Weapon while under the influence of the narcotic; or

7. Hernia of any kind.

GENERAL PROVISIONS

The following provision is added to the Policy as follows:

1. The Insurer, at its own expense, shall have the right and opportunity to examine the Member or Covered Person whose injury is the basis of claim when and as often as it may reasonably require while a claim is pending hereunder and to make an autopsy in case of death where it is not forbidden by law.

2. Written notice of claim must be given to the Insurer within 20 days after the occurrence of any loss covered by this endorsement, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the Member or Covered Person to the Insurer at its Administrative Office in Jacksonville, Florida, with information sufficient to identify the Member or Covered Person shall be deemed notice to the Insurer.

3. Upon receipt of a written notice of claim, Insurer will furnish to the Member or Covered Person such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice the Member or Covered Person shall be deemed to have complied with the requirements of this endorsement as to proof of loss upon submitting, within the time fixed in this endorsement for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made.

4. Written proof of loss must be furnished to Insurer within 90 days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible.

5. Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed therein and effective at the time of the payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the Member or Covered Person. Any accrued indemnities unpaid at the Member or Covered Person’s death may, at the option of the Insurer, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the Member or Covered Person.>

6. No action at law or in equity shall be brought to recover on the Policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this endorsement. No such action shall be brought after the expiration of three years after the time written proof of loss is required to be furnished.

7. Any provision of the Policy, which, on its effective date, is in conflict with the statutes of the state in which the Policy was issued, is hereby amended to conform to the minimum of such statues.

All other terms and conditions remain unchanged.

BLUE RIDGE INDEMNITY COMPANY
[Administrative Office: U.S. LawShield 1020 Bay Area Blvd., Suite 220
Houston, TX 77058 (877) 474-7184]

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HUNTING ACTIVITY ENDORSEMENT

SCHEDULE

Coverage

Hunting Activity Endorsement

Additional Premium

$

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

This optional endorsement applies if an additional premium has been paid and is shown on the Endorsement Schedule or Policy Declarations Page.

Exclusion V., c. of the Policy, is deleted and replaced with the following Legal Services Benefit:

Hunting Program Legal Representation Benefits:

A Member in good standing shall be entitled to coverage for the reasonable legal services of a Plan Attorney.

Benefits are limited to:

1. defense of any criminal charges, by a Plan Attorney, alleging:

a violation of Wisconsin Statutes Chapter 29 as it pertains to Hunting Activity or fishing, against the Policy Holder; or

Feral Swine prohibited acts related to such swine; penalties; appeals; destruction of such swine, as they pertain to Hunting Activity or fishing, against the Member and any Covered Person.

2. defense of any criminal charges, by a Plan Attorney, alleging a violation of Title 50 of the Code of Federal Regulations as they pertain to Hunting Activity or fishing; or

3. defense of any civil claims, by a Plan Attorney, brought against the Member and any Covered Person that arises as a direct result of his or her Hunting Activity or fishing.

All such legal representations shall be subject to the limitations and exclusions set forth below.

Hunting Activity – means, in addition to actual hunting, an event or occurrence involving:

1. the use of a lawful firearm for skeet, clay and trap shooting, target practice, and competitive shooting events in locations where such activity is lawful; and

2. the use of bow and arrow, crossbow, or spear for hunting, target practice, or competitive archery events in locations where such activity is lawful.

Limitations and Exclusions: Plan Attorneys shall have no obligation under the provisions of the Hunting Activity Program to provide legal representation or legal defense if:

1. at the time of the occurrence giving rise to a claim is engaged in a criminal act other than an offense alleging a violation of Wisconsin Statutes Chapter 29 as it pertains to Hunting Activity or fishing, against the Policy Holder, or Feral Swine; prohibited acts related to such swine; penalties; appeals; destruction of such swine, or Title 50 of the Code of Federal Regulations, as they relate to Hunting Activity or fishing; or

2. at the time of the incident giving rise to a claim the Member or any Covered Person was not in lawful possession of the firearm; or

3. the charges involve the operation of a motor vehicle.

General Limitations, Exclusions and Duties of a Member and any Covered Person: The provisions of the Hunting Activity Program are subject to the same limitations, exclusions and duties provided for in Policy.

This program is intended to provide the Member and any Covered Person with the reasonable legal services of a Plan Attorney. Nothing in this Hunting Activity Endorsement shall be construed or deemed to provide the Member or any Covered Person with indemnification for or payment of any claims or damages for personal injury or property damage that may be asserted against the Member or Covered Person, nor for any fines, levies, fees, damages, loss of property or other costs that may be assessed against the Member or Covered Person.

All other terms and conditions remain unchanged.