OVER A QUARTER MILLION MEMBERS STRONG

MEMBERSHIP COST
01

CONCEALED CARRY INSURANCE 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

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

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

Domiciled in Wilmington, Delaware
[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1(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 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 Houston, Texas 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: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1(877)474-7184]

VERMONT 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.

I. 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.

II. DEFINITIONS

a. Insurer – Lyndon Southern Insurance Company,[Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1(877)474-7184]

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

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

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

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

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

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

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

i. 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.

III. PARTIES TO THE POLICY

a. This legal expense insurance Policy is administered by the Plan Administrator on behalf of the Insurer. The Plan Administrator shall provide Mem be r 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.

b. 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.

c. 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.

IV. LEGAL SERVICES & BENEFITS

a. 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.

b. 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:

(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” as defined above; and
(iii) 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.

c. 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.

d. 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.

e. 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.

f. 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.

g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. A membership card with a unique member number and the applicable emergency hotline telephone number.

V. LIMITATIONS & EXCLUSIONS

a. 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:

(1) in legal possession of a weapon, and
(2) 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” which is intended or reasonably expected by an “insured”, even if the resulting “bodily injury” or “property damage”

a) Is of a different kind, quality or degree than a reasonable person would have expected or intended,; or

b) Is sustained by a different person, entity or property than a reasonable person would have expected or intended.

However, this exclusion does not apply to “bodily injury; or “property damage: resulting from the use of reasonable force by an “insured” to protect persons or property.

b. 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.

c. 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.

e. 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.

f. 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 Me m ber or Covered Person’s current or former family member, household or common law marriages defined in the state statutes or other applicable state law.

VI. OPERATION & ADMINISTRATION OF PLAN

a. 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.

b. 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 Mem bers 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.
c. 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.
d. 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.
e. 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.

VII. CANCELLATION OF POLICY & REINSTATEMENT

a. 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.

b. 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.

c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.

d. 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.

e. 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.

f. 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.

VIII. DUTIES OF MEMBERS In the Event of A Claim

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

b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.

X. GENERAL PROVISIONS

a. 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 C ov er ed Person’s legal matter.

b. 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.

c. 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.

d. 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 may be submitted to non-binding arbitration, if mutually agreed upon and will take place at the location of the Me m b e r . The American Arbitration Association terms and provisions will be used, and the Insurer will follow all consumer rules.

e. 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.

f. 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.

h. 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.

i. 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.

j. There are no subrogation rights under this Policy.

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

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HUNTING ACTIVITY ENDORSEMENT

SCHEDULE

Coverage Additional Premium
Hunting Activity Endorsement $
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 the Vermont Fish and Wildlife Regulations (Title 10 Appendix) or Title 10, Chapters 105, 111, 113, and 115 of the Vermont Statutes as it pertains to Hunting Activity or fishing, against the Policy Holder;
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 the Vermont Fish and Wildlife Regulations (Title 10 Appendix) or Title 10, Chapters 105, 111, 113, and 115 of the Vermont Statutes 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

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. The provisions of this program shall only apply and be effective for incidents that occur within the State of Vermont.
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.

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

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

[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
(herein called the Company)
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 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: [XXX-XXX-XXXX]
In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY
has caused this Policy to be executed at its Administrative Office in Houston, Texas 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
[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
(herein called the Company)
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.
I. 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.
II. DEFINITIONS
a. Insurer – Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
b. Application – Means all signed applications for this Policy, including any attachments, addenda and other materials submitted in conjunction with the signed applications(s).
c. Covered Person – Means spouse and/or minor children with all premiums paid.
d. Plan Administrator – Business entity appointed by an Insurer to solicit applications, policyholder services and issue policies.
e. Member – Person who has submitted an Application, been accepted by the Insurer, and has paid all Premiums due.
f. Premium(s) – The amount paid for this Policy as described on the Declarations Page.
g. Plan Attorney – A licensed attorney contracted by the Insurer to provide legal services for the Member and Covered Persons under this Policy.
h. Policy – This agreement detailing the terms and conditions of this contract of insurance, which has entered into between the Insurer and Member.
i. 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.
III. PARTIES TO THE POLICY
a. 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.
b. 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.
c. 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.
IV. LEGAL SERVICES & BENEFITS
a. 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.
b. 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:
(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” in the Covered State as defined above;
and
(iii) 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.
c. 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.
d. 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.
e. 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.
f. 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.
g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. A membership card with a unique member number and the applicable emergency hotline
telephone number.
V. LIMITATIONS & EXCLUSIONS
a. 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:
(1) in legal possession of a weapon, and
(2) 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.
b. 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 evidenceof any witness or expert witness, including but not limited to witness fees, witness travel expenses, and/or lodging.
c. 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.
e. 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.
f. 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.
g. 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.
h. 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.
VI. OPERATION & ADMINISTRATION OF PLAN
a. 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.
b. 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.
c. 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.
d. 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.
e. 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.
VII. CANCELLATION OF POLICY & REINSTATEMENT
a. 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.
b. 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.
c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.
d. 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.
e. 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.
f. 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.
VIII. DUTIES OF MEMBERS In the Event of A Claim
a. 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.
b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.
X. GENERAL PROVISIONS
a. 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.
b. 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.
c. 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.
d. 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 non-binding arbitration in the location of the Member state, pursuant to the terms and provisions of the American Arbitration
Association.
e. 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.
f. 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.
h. 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.
i. 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.
j. 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.
k. There are no subrogation rights under this Policy.
l. 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
HUNTING ACTIVITY ENDORSEMENT
WASHINGTON
SCHEDULE
Coverage Additional Premium
Hunting Activity Endorsement $
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 220 of the Washington Administrative Code as it pertains to Hunting Activity or fishing, against the Policy Holder;
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 220 of the Washington Administrative Code 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
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. The provisions of this program shall only apply and be effective for incidents that occur within the State of Washington.
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.

WASHINGTON COMMON POLICY CONDITIONS
All Coverage Parts included in this policy are subject to the following conditions.
The conditions in this endorsement replace any similar conditions in the policy that are less favorable to the insured.
A. Cancellation
1. The first Named Insured shown in the Declarations may cancel this policy by notifying
us or the insurance producer in one of the following ways:
a. Written notice by mail, fax or e-mail;
b. Surrender of the policy or binder; or
c. Verbal notice.
Upon receipt of such notice, we will cancel this policy or any binder issued as evidence of coverage, effective on the later of the following:
a. The date on which notice is received or the policy or binder is surrendered; or
b. The date of cancellation requested by the first Named Insured.
2. We may cancel this policy by mailing or delivering to the first Named Insured and the first Named Insured’s agent or broker written notice of cancellation, including the actual reason for the cancellation, to the last mailing address known to us, at least:
a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or
b. 45 days before the effective date of cancellation if we cancel for any other reason;
Nonrenewal
1. We may elect not to renew this policy by mailing or delivering written notice of nonrenewal, stating the reasons for nonrenewal, to the first Named Insured and the first Named Insured’s agent or broker, at their last mailing addresses known to us. We will also mail to any mortgage holder, pledgee or other person shown in this policy to have an interest in any loss which may occur under this policy, at their last mailing address known to us, written notice of nonrenewal. We will mail or deliver these notices at least 45 days before the:
a. Expiration of the policy; or
b. Anniversary date of this policy if this policy has been written for a term of more than one year.
Otherwise, we will renew this policy unless:
a. The first Named Insured fails to pay the renewal premium after we have expressed our willingness to renew, including a statement of the renewal premium, to the first Named Insured and the first Named Insured’s insurance agent or broker, at least 20 days before the expiration date;
b. Other coverage acceptable to the insured has been procured prior to the expiration date of the policy; or
c. The policy clearly states that it is not renewable and is for a specific line, subclassification, or type of coverage that is not offered on a renewable basis.

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

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

Domiciled in Wilmington, Delaware
[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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 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 Houston, Texas 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.

I. 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.

II. DEFINITIONS

a. Insurer – Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]

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

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

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

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

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

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

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

i. 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.

III. PARTIES TO THE POLICY

a. 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.

b. 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.

c. 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.

IV. LEGAL SERVICES & BENEFITS

a. 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.

b. 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:

(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” as defined above; and
(iii) 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.

c. 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.

d. 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.

e. 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.

f. 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.

g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. A membership card with a unique member number and the applicable emergency hotline telephone number.

V. LIMITATIONS & EXCLUSIONS

a. 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:

(1) in legal possession of a weapon, and
(2) 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.

b. 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.

c. 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.

e. 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.

f. 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.

VI. OPERATION & ADMINISTRATION OF PLAN

a. 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.
b. 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.
c. 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.
d. 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.
e. 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.

VII. CANCELLATION OF POLICY & REINSTATEMENT

a. 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.

b. 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.

c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.

d. 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.

e. 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.

f. 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.

VIII. DUTIES OF MEMBERS In the Event of A Claim

a. 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.

b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.

X. GENERAL PROVISIONS

a. 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.

b. 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.

c. 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.

d. 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.

e. 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.

f. 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.

h. 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.

i. 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.

j. There are no subrogation rights under this Policy.

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

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HUNTING ACTIVITY ENDORSEMENT

SCHEDULE

Coverage Additional Premium
Hunting Activity Endorsement $
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 49, Chapter 7 of the Mississippi Code as it pertains to Hunting Activity or fishing, against the Policy Holder;
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 49, Chapter 7 of the Mississippi Code 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
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. The provisions of this program shall only apply and be effective for incidents that occur within the State of Mississippi.
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.

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

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

[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
(800) 888-2738]
(herein called the Company)

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 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: [XXX-XXX-XXXX]
In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY
has caused this Policy to be executed at its Administrative Office in Houston, Texas 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
[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
(herein called the Company)
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.
I. 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.
II. DEFINITIONS
a. Insurer – Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]
b. Application – Means all signed applications for this Policy, including any attachments, addenda and other materials submitted in conjunction with the signed applications(s).
c. Covered Person – Means spouse and/or minor children with all premiums paid. d. Plan Administrator – Business entity appointed by an Insurer to solicit applications, policyholder services and issue policies.
e. Member – Person who has submitted an Application, been accepted by the Insurer, and has paid all Premiums due.
f. Premium(s) – The amount paid for this Policy as described on the Declarations Page.
g. Plan Attorney – A licensed attorney contracted by the Insurer to provide legal services for the Member and Covered Persons under this Policy. h. Policy – This agreement detailing the terms and conditions of this contract of insurance, which has entered into between the Insurer and Member.
i. 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.
III. PARTIES TO THE POLICY
a. 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.
b. 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.
c. 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.
IV. LEGAL SERVICES & BENEFITS
a. 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.
b. 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:
(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” in the Covered State as defined above; and
(iii) 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.
c. 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.
d. 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.
e. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.
Page 4
f. 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.
g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. A membership card with a unique member number and the applicable emergency hotline telephone number.
V. LIMITATIONS & EXCLUSIONS
a. 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: (1) in legal possession of a weapon, and
(2) 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.
b. 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.
c. 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.
e. 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.
f. 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.
g. 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.
h. 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.
VI. OPERATION & ADMINISTRATION OF PLAN
a. 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.
b. 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.
c. 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.
d. 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.
e. 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.
VII. CANCELLATION OF POLICY & REINSTATEMENT
a. 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.
b. 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.
c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.
d. 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.
e. 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.
f. 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.
VIII. DUTIES OF MEMBERS In the Event of A Claim
a. 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.
b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.
X. GENERAL PROVISIONS
a. 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.
b. 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.
c. 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.
e. 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.
e. 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.
f. 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.
i. 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.
j. There are no subrogation rights under this Policy.
k. 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
HUNTING ACTIVITY ENDORSEMENT
NEVADA
SCHEDULE
Coverage
Additional Premium
Hunting Activity Endorsement
$
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:
i. a violation of Nevada Revised Statutes Title 45 Chapter 503 as it pertains to Hunting Activity or fishing, against the Policy Holder; or
ii. 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 Nevada Revised Statutes Title 45 Chapter 503 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.

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

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

Domiciled in Wilmington, Delaware
[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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 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 Houston, Texas 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.

I. 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.

II. DEFINITIONS

a. Insurer – Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]

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

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

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

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

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

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

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

i. 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.

III. PARTIES TO THE POLICY

a. 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.

b. 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.

c. 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.

IV. LEGAL SERVICES & BENEFITS

a. 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.

b. 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:

(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” as defined above; and
(iii) 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.

c. 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.

d. 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.

e. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

f. 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.

g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. A membership card with a unique member number and the applicable emergency hotline telephone number.

V. LIMITATIONS & EXCLUSIONS

a. 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:

(1) in legal possession of a weapon, and
(2) 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.

b. 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.

c. 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.

e. 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.

f. 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.

VI. OPERATION & ADMINISTRATION OF PLAN

a. 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.
b. 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.
c. 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.
d. 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.
e. 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.

VII. CANCELLATION OF POLICY & REINSTATEMENT

a. 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.

b. 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.

c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.

d. 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.

e. 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.

f. 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.

VIII. DUTIES OF MEMBERS In the Event of A Claim

a. 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.

b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.

X. GENERAL PROVISIONS

a. 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.

b. 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.

c. 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.

d. 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 may mutually elect to arbitration when claim settlement cannot be reached and the Member elects arbitration. Arbitration will takes place under the laws of Oregon held in the insured’s county or any other county in Oregon agreed upon, pursuant to the terms and provisions of the American Arbitration Association.

e. 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.

f. 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.

h. 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.

i. 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.

j. There are no subrogation rights under this Policy.

k. 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: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (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 Chapter 479 Oregon Revised Statutes and the Oregon Administrative Rules as it pertains to Hunting Activity or fishing, against the Policy Holder;
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 Chapter 479 Oregon Revised Statutes and the Oregon 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 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. The provisions of this program shall only apply and be effective for incidents that occur within the State of Oregon.
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.

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

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

Domiciled in Wilmington, Delaware
[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.

In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Houston, Texas 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: 10151 Deerwood Park Blvd., Bldg. 100, Suite 500
Jacksonville, FL 32252
(800) 888-2738]

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.

I. 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.

II. DEFINITIONS

a. Insurer – Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]

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

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

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

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

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

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

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

i. 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.

III. PARTIES TO THE POLICY

a. 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.

b. 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.

c. 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.

IV. LEGAL SERVICES & BENEFITS

a. 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.

b. 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:

(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” as defined above; and
(iii) 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.

c. 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.

d. 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.

e. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

f. 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.

g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. A membership card with a unique member number and the applicable emergency hotline telephone number.

V. LIMITATIONS & EXCLUSIONS

a. 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:

(1) in legal possession of a weapon, and
(2) 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.

b. 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.

c. 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.

e. 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.

f. 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.

VI. OPERATION & ADMINISTRATION OF PLAN

a. 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.
b. 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.
c. 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.
d. 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.
e. 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.

VII. CANCELLATION OF POLICY & REINSTATEMENT

a. 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.

b. 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.

c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.

d. 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.

e. 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.

f. 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.

VIII. DUTIES OF MEMBERS In the Event of A Claim

a. 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.

b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.

X. GENERAL PROVISIONS

a. 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.

b. 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.

c. 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.

d. 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 non-binding arbitration in Wyoming, pursuant to the terms and provisions of the American Arbitration Association.

e. 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.

f. 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.

h. 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.

i. 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.

j. There are no subrogation rights under this Policy.

k. 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.

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

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

Domiciled in Wilmington, Delaware
[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.
In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its
Administrative Office in Houston, Texas 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.
I. 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.
II. DEFINITIONS
a. Insurer – Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]
b. Application – Means all signed applications for this Policy, including any attachments, addenda and other materials submitted in conjunction with the signed applications(s).
c. Covered Person – Means spouse and/or minor children with all premiums paid.
d. Plan Administrator – Business entity appointed by an Insurer to solicit applications, policyholder services and issue policies.
e. Member – Person who has submitted an Application, been accepted by the Insurer, and has paid all Premiums due.
f. Premium(s) – The amount paid for this Policy as described on the Declarations Page.
g. Plan Attorney – A licensed attorney contracted by the Insurer to provide legal services for the Member and Covered Persons under this Policy.
h. Policy – This agreement detailing the terms and conditions of this contract of insurance, which has entered into between the Insurer and Member. .
i. 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.
III. PARTIES TO THE POLICY
a. This legal expense insurance Policy is administered by the Plan Administrator on behalf of the Insurer. The Plan Administrator shall provide Memb er o r a n y Covered Persons with a Plan Attorney for any incident covered by this Policy. The Plan Attorney shall perform the legal services described herein.
b. 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.
c. 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.
IV. LEGAL SERVICES & BENEFITS
a. 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.
b. 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:
(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” as defined above; and
(iii) 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.
c. 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.
d. 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.
e. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.
f. 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.
g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. A membership card with a unique member number and the applicable emergency hotline
telephone number.
V. LIMITATIONS & EXCLUSIONS
a. 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:
(1) in legal possession of a weapon, and
(2) 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.
b. 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.
c. 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.
e. 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.
f. 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.
VI. OPERATION & ADMINISTRATION OF PLAN
a. 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.
b. 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.
c. 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.
d. 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.
e. 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.
VII. CANCELLATION OF POLICY & REINSTATEMENT
a. 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.
b. 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.
c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.
d. 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.
e. 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.
f. 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.
VIII. DUTIES OF MEMBERS In the Event of A Claim
a. 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.
b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.
X. GENERAL PROVISIONS
a. 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.
b. 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.
c. 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.
d. 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.
e. 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.
f. 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.
h. 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.
i. 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.
j. There are no subrogation rights under this Policy.
k. 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
Accidental Death & Dismemberment Endorsement
SCHEDULE
Coverage Additional Premium
Accidental Death & Dismemberment Endorsement $
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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
HUNTING ACTIVITY ENDORSEMENT
SCHEDULE
Coverage Additional Premium
Hunting Activity Endorsement $
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 41 South Dakota
Codified Laws and the South Dakota Administrative Rules as it pertains to Hunting Activity or
fishing, against the Policy Holder;
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 41 South Dakota Codified Laws and the South Dakota 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
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. The provisions of this program shall only apply and be effective for incidents that occur within the State of South Dakota.
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.

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

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

Domiciled in Wilmington, Delaware
[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.
In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Houston, Texas 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.
I. 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.
II. DEFINITIONS
a. Insurer – Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]
b. Application – Means all signed applications for this Policy, including any attachments, addenda and other materials submitted in conjunction with the signed applications(s).
c. Covered Person – Means spouse and/or minor children with all premiums paid.
d. Plan Administrator – Business entity appointed by an Insurer to solicit applications, policyholder services and issue policies.
e. Member – Person who has submitted an Application, been accepted by the Insurer, and has paid all Premiums due.
f. Premium(s) – The amount paid for this Policy as described on the Declarations Page.
g. Plan Attorney – A licensed attorney contracted by the Insurer to provide legal services for the Member and Covered Persons under this Policy.
h. Policy – This agreement detailing the terms and conditions of this contract of insurance, which has entered into between the Insurer and Member.
i. 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.
III. PARTIES TO THE POLICY
a. 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.
b. 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.
c. 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.
IV. LEGAL SERVICES & BENEFITS
a. 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.
b. 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:
(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” as defined above; and
(iii) 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.
c. 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.
d. 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.
e. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.
f. 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.
g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. A membership card with a unique member number and the applicable emergency hotline telephone number.
V. LIMITATIONS & EXCLUSIONS
a. 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:
(1) in legal possession of a weapon, and
(2) 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.
b. 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.
c. 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.
e. 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.
f. 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.
VI. OPERATION & ADMINISTRATION OF PLAN
a. 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.
b. 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.
c. 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.
d. 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.
e. 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.
VII. CANCELLATION OF POLICY & REINSTATEMENT
a. 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.
b. 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.
c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.
d. 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.
e. 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.
f. 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.
VIII. DUTIES OF MEMBERS In the Event of A Claim
a. 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.
b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.
X. GENERAL PROVISIONS
a. 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.
b. 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.
c. 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.
d. Any and all complaints and grievances between any Memb e r o r 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.
e. 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.
f. 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.
h. 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.
i. 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.
j. There are no subrogation rights under this Policy.
k. 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
Accidental Death & Dismemberment Endorsement
SCHEDULE
Coverage Additional Premium
Accidental Death & Dismemberment Endorsement $
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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
HUNTING ACTIVITY ENDORSEMENT
SCHEDULE
Coverage Additional Premium
Hunting Activity Endorsement $
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 Nebraska Revised Statutes section 37 and the Nebraska Administrative Code as it pertains to Hunting Activity or fishing, against the Policy Holder;
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 Nebraska Revised Statutes section 37 and the Nebraska Administrative Code 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
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. The provisions of this program shall only apply and be effective for incidents that occur within the State of Nebraska.
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.

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

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

Domiciled in Wilmington, Delaware
[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.

In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Houston, Texas 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.

I. 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.

II. DEFINITIONS

a. Insurer – Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]

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

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

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

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

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

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

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

i. 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.

III. PARTIES TO THE POLICY

a. 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.

b. 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.

c. 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.

IV. LEGAL SERVICES & BENEFITS

a. 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.

b. 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:

(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” as defined above; and
(iii) 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.

c. 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.

d. 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.

e. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

f. 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.

g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. A membership card with a unique member number and the applicable emergency hotline telephone number.

V. LIMITATIONS & EXCLUSIONS

a. 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:

(1) in legal possession of a weapon, and
(2) 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.

b. 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.

c. 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.

e. 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.

f. 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.

VI. OPERATION & ADMINISTRATION OF PLAN

a. 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.
b. 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.
c. 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.
d. 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.
e. 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.

VII. CANCELLATION OF POLICY & REINSTATEMENT

a. 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.

b. 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 forty-fifth (45th) day preceding the effective date of the cancellation. The notice must state the effective date of the cancellation and the reason for cancellation.

c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.

d. 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.

e. 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.

f. 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.

VIII. DUTIES OF MEMBERS In the Event of A Claim

a. 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.

b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.

X. GENERAL PROVISIONS

a. 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.

b. 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.

c. 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.

d. 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.

e. 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.

f. 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.

g. 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.

h. 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.

j. There are no subrogation rights under this Policy.

k. 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
Accidental Death & Dismemberment Endorsement
SCHEDULE
Coverage Additional Premium
Accidental Death & Dismemberment Endorsement $
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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
HUNTING ACTIVITY ENDORSEMENT
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 87 Montana Code Annotated and Rule 12 Montana Administrative Rules as it pertains to Hunting Activity or fishing, against the Policy Holder;
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 87 Montana Code Annotated and Rule 12 Montana 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
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. The provisions of this program shall only apply and be effective for incidents that occur within the State of Montana.
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.

MONTANA CHANGES

This endorsement modifies insurance provided under the following:

PREPAID LEGAL

A. VIII CANCELLATION OF POLICY & REINSTATEMENT Policy Condition is replaced by the following:
Cancellation Of Policies
a. Midterm Cancellation
We may cancel this policy based on the provisions below, by mailing or delivering written notice to the first Named Insured at least 10 days before the effective date of cancellation:
(1) If this policy has been in effect for less than 60 days, except as provided in a.(3) below, we may cancel for any reason.
(2) If this policy has been in effect for 60 days or more, we may cancel this poli-cy prior to the expiration of the agreed term or prior to one year from the ef-fective date of the policy or renewal, whichever is less, only for one or more of the following reasons:
(a) Failure to pay a premium when due;
(b) Material misrepresentation;
(c) Substantial change in the risk as-sumed, except to the extent that we should reasonably have fore-seen the change or contemplated the risk in writing the contract;
(d) Substantial breaches of contractual duties, conditions or warranties;
(e) Determination by the Commissioner of Insurance that continuation of the policy would place us in viola-tion of the Montana Insurance Code;
(f) Financial impairment of us; or
(g) Such other reasons that are ap-proved by the Commissioner of In-surance.
(3) If this policy has been issued for a term longer than one year, and if ei-ther the premium is prepaid or an agreed term is guaranteed for addi-tional premium consideration, we may cancel this policy only for one or more of the reasons stated in a.(2) above.
b. Anniversary Cancellation
We may cancel any policy with a term of more than one year by mailing or deliver-ing to the first Named Insured written no-tice of cancellation at least 45 days be-fore the anniversary date of the policy. Such cancellation will be effective on the policy’s anniversary date.
B. Cancellation Policy Condition is replaced by the following:
5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. However, when a financed insur-ance policy is cancelled, we will send any re-fund due to the premium finance company on a pro rata basis.

C. Any When We Do Not Renew Condition is de-leted.
The following When We Do Not Renew Condi-tion is added:
1. If we elect not to renew this Coverage Part, we will mail or deliver to the first Named In-sured shown in the Declarations and agent, if any, a notice of intention not to renew at least 45 days before the agreed expiration date.
2. We need not mail or deliver this notice if:
a. You have purchased insurance else-where;
b. You have accepted replacement cover-age;
c. You have requested or agreed to nonre-newal; or
d. This policy is expressly designated as nonrenewable.

D. The following Condition is added:
CONFORMITY WITH MONTANA STATUES
The provisions of this policy or Coverage Part conform to the minimum requirements of Mon-tana law and control over any conflicting stat-utes of any state in which you reside on or after the effective date of this policy or Coverage Part.
Any provision of this policy or Coverage Part (in-cluding endorsements which modify the policy or Coverage Part) that does not conform to the minimum requirements of a Montana statute is amended to conform to such statute.

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

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

Domiciled in Wilmington, Delaware
[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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 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 Houston, Texas 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]

VERMONT
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.

I. 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.

II. DEFINITIONS

a. Insurer – Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]

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

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

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

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

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

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

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

i. 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.

III. PARTIES TO THE POLICY

a. 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.

b. 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.

c. 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.

IV. LEGAL SERVICES & BENEFITS

a. 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.

b. 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:

(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” as defined above; and
(iii) 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.
c. 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.
d. 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.
e. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.
f. 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.
g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. A membership card with a unique member number and the applicable emergency hotline
telephone number.
V. LIMITATIONS & EXCLUSIONS
a. 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:
(1) in legal possession of a weapon, and
(2) 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.
b. 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.
c. 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.
e. 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.
f. 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.
VI. OPERATION & ADMINISTRATION OF PLAN
a. 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.
b. 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.
c. 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.
d. 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.
e. 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.
VII. CANCELLATION OF POLICY & REINSTATEMENT
a. 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.
b. 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.
c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.
d. 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.
e. 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.
f. 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.
VIII. DUTIES OF MEMBERS In the Event of A Claim
a. 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.
b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.
X. GENERAL PROVISIONS
a. 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.
b. 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.
c. 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.
d. 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.
e. 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.
f. 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.
h. 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.
i. 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.
j. There are no subrogation rights under this Policy.
k. 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
Accidental Death & Dismemberment Endorsement
SCHEDULE
Coverage Additional Premium
Accidental Death & Dismemberment Endorsement $
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.

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.

c. 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.

d. 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.

e. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

f. 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.

g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. A membership card with a unique member number and the applicable emergency hotline telephone number.

V. LIMITATIONS & EXCLUSIONS

a. 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:

(1) in legal possession of a weapon, and
(2) 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.

b. 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.

c. 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.

e. 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.

f. 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.

VI. OPERATION & ADMINISTRATION OF PLAN

a. 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.
b. 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.
c. 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.
d. 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.
e. 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.

VII. CANCELLATION OF POLICY & REINSTATEMENT

a. 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.

b. 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.

c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.

d. 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.

e. 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.

f. 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.

VIII. DUTIES OF MEMBERS In the Event of A Claim

a. 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.

b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.

X. GENERAL PROVISIONS

a. 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.

b. 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.

c. 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.

d. 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.

e. 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.

f. 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.

h. 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.

i. 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.

j. There are no subrogation rights under this Policy.

k. 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
HUNTING ACTIVITY ENDORSEMENT
SCHEDULE
Coverage Additional Premium
Hunting Activity Endorsement $
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 11 Subtitle 6 Iowa Code and the Iowa Administrative Code as it pertains to Hunting Activity or fishing, against the Policy Holder;
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 11 Subtitle 6 Iowa Code and the Iowa Administrative Code 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
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. The provisions of this program shall only apply and be effective for incidents that occur within the State of Iowa.
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.

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

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

Domiciled in Wilmington, Delaware
[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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 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 Houston, Texas 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.
I. 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.
II. DEFINITIONS
a. Insurer – Lyndon Southern Insurance Company,[Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]
b. Application – Means all signed applications for this Policy, including any attachments, addenda and other materials submitted in conjunction with the signed applications(s).
c. Covered Person – Means spouse and/or minor children with all premiums paid.
d. Plan Administrator – Business entity appointed by an Insurer to solicit applications, policyholder services and issue policies.
e. Member – Person who has submitted an Application, been accepted by the Insurer, and has paid all Premiums due.
f. Premium(s) – The amount paid for this Policy as described on the Declarations Page.
g. Plan Attorney – A licensed attorney contracted by the Insurer to provide legal services for the Member and Covered Persons under this Policy.
h. Policy – This agreement detailing the terms and conditions of this contract of insurance, which has entered into between the Insurer and Member. .
i. 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.
III. PARTIES TO THE POLICY
a. This legal expense insurance Policy is administered by the Plan Administrator on behalf of the Insurer. The Plan Administrator shall provide Memb er o r a n y Covered Persons with a Plan Attorney for any incident covered by this Policy. The Plan Attorney shall perform the legal services described herein.
b. 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.
c. 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.
IV. LEGAL SERVICES & BENEFITS
a. 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.
b. 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:
(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” as defined above; and
(iii) 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.
c. 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.
d. 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.
e. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.
f. 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.
g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. A membership card with a unique member number and the applicable emergency hotline
telephone number.
V. LIMITATIONS & EXCLUSIONS
a. 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:
(1) in legal possession of a weapon, and
(2) 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.
b. 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.
c. 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.
e. 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.
f. 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.
VI. OPERATION & ADMINISTRATION OF PLAN
a. 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.
b. 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.
c. 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.
d. 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.
e. 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.
VII. CANCELLATION OF POLICY & REINSTATEMENT
a. 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.
b. 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.
c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.
d. 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.
e. 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.
f. 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.
VIII. DUTIES OF MEMBERS In the Event of A Claim
a. 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.
b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.
X. GENERAL PROVISIONS
a. 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.
b. 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.
c. 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.
d. Any and all complaints and grievances between any Memb e r o r 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.
e. 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.
f. 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.
h. 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.
i. 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 toimpair 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.
j. There are no subrogation rights under this Policy.
k. 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
HUNTING ACTIVITY ENDORSEMENT
SCHEDULE
Coverage Additional Premium
Hunting Activity Endorsement $
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 12 Subtitle 5 Hawaii Revised Statutes and the Hawaii Administrative Code as it pertains to Hunting Activity or fishing, against the Policy Holder;
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 12 Subtitle 5 Hawaii Revised Statutes and the Hawaii Administrative Code 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
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. The provisions of this program shall only apply and be effective for incidents that occur within the State of Hawaii.
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.

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

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

Domiciled in Wilmington, Delaware
[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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 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 Houston, Texas 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: 10151 Deerwood Park Blvd., Bldg. 100, Suite 500
Jacksonville, FL 32252
(800) 888-2738]

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.

I. 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.

II. DEFINITIONS

a. Insurer – Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]

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

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

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

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

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

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

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

i. 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.

III. PARTIES TO THE POLICY

a. 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.

b. 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.

c. 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.

IV. LEGAL SERVICES & BENEFITS

a. 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.

b. 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:

(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” as defined above; and
(iii) 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.

c. 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.

d. 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.

e. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

f. 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.

g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. A membership card with a unique member number and the applicable emergency hotline telephone number.

V. LIMITATIONS & EXCLUSIONS

a. 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:

(1) in legal possession of a weapon, and
(2) 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.

b. 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.

c. 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.

e. 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.

f. 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.

VI. OPERATION & ADMINISTRATION OF PLAN

a. 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.
b. 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.
c. 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.
d. 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.
e. 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.

VII. CANCELLATION OF POLICY & REINSTATEMENT

a. 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.

b. 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.

c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.

d. 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.

e. 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.

f. 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.

VIII. DUTIES OF MEMBERS In the Event of A Claim

a. 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.

b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.

X. GENERAL PROVISIONS

a. 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.

b. 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.

c. 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.

d. 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 pursuant to the terms and provisions of D.C. Law. The Member may waive any rights to a trial in court, including the right to a jury trial. The arbitration proceeding is binding after the dispute arises and both parties agree.

e. 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.

f. 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.

h. 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.

i. 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.

j. There are no subrogation rights under this Policy.

k. 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (877) 474-7184]
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
HUNTING ACTIVITY ENDORSEMENT
SCHEDULE
Coverage Additional Premium
Hunting Activity Endorsement $
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 Chapter 22 Washington DC Code and Title 19, Chapter 15 Washington DC Municipal Regulations as it pertains
to Hunting Activity or fishing, against the Policy Holder;
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 Chapter 22 Washington DC Code and Title 19, Chapter 15 Washington DC Municipal Regulations 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
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. The provisions of this program shall only apply and be effective for incidents that occur within the Washington DC.
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.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Washington DC CHANGES –
CANCELLATION AND NONRENEWAL

This endorsement modifies insurance provided under the following:
Prepaid Legal Expense
A. Section VII. CANCELLATION OF POLICY &
REINSTATEMENT, b through d, is replaced by
the following:
We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 30 days before the effective date of cancellation. At least five days before sending notice to the first Named Insured, we will notify the agent or broker, if any, who wrote the policy.
If this policy has been in effect for 30 days or less and is not a renewal of a policy we issued, we may cancel this policy for any reason.
If this policy has been in effect more than 30 days, or if this policy is a renewal of a policy we issued, we may cancel this policy only for one or more of the following reasons:
1. You have refused or failed to pay a premium due under the terms of the policy;
2. You have made a material and willful misstatement or omission of fact to us or our employees,
agents or brokers in connection with any application to or claim against us;
3. You have transferred your property or other interest to a person other than you or your beneficiary, unless the transfer is permitted under the terms of the policy; or
4. The property, interest or use of the property or interest has materially changed with respect to its insurability.
B. The following is also added:
NONRENEWAL
We may elect not to renew this policy by mailing or delivering written notice of nonrenewal to the first
Named Insured’s last mailing address known to us. We will mail or deliver the notice at least 30 days before the expiration of the policy. At least five days before sending notice to the first Named Insured, we will notify the agent or broker, if any, who wrote the policy. If notice is mailed, proof of mailing will be sufficient proof of notice. Delivery of the notice will be the same as mailing.

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

U.S. LAW SHIELD OF WEST VIRGINIA LEGAL SERVICE CONTRACT

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

I. DEFINITIONS
1. “Independent Contracting Attorney” – An independent, third-party, licensed attorney that U.S. Law Shield of West Virginia 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 West Virginia contracts with to provide legal services for the Legal Service Contract Holder.

2. “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.

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

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

5. “Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

II. PARTIES
A. This Legal Service Contract is administered by U.S. Law Shield of West Virginia 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 West Virginia shall offer the Legal Service Contract in the State of West Virginia. The Independent Contracting Attorney shall perform the legal services described herein.

B. 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 West Virginia. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

C. 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 West Virginia.

III. 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.

IV. 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 West Virginia 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.

A. 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 West 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, 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 contract is “pre-paid” in nature. It does not provide coverage for legal needs existing prior to membership.

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

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

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

E. 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.

F. Optional Good Samaritan Coverage
The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of West Virginia. 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 Legal Services Contract. 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 the underlying Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

G. 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 West Virginia. 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.

H. The Legal Service Contract Holder will also receive:
i. Periodic updates on topics affecting gun owners;
ii. Educational material concerning gun ownership, gun rights and the law; and
iii. A membership card with a unique member number and emergency hotline.

V. DEDUCTIBLES OR COPAYMENTS
There are no deductibles or copayments under this Legal Service Contract.

VI. LIMITATIONS & EXCLUSIONS
A. 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.

B. Neither U.S. Law Shield of West Virginia, nor U.S. Law Shield of West Virginia’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.

C. 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.

D. 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.

E. 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.

VII. 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.

VIII. CANCELLATION OF CONTRACT & REINSTATEMENT
A. Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of West Virginia 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.

B. 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 West Virginia shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

C. U.S. Law Shield of West Virginia 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 West Virginia. U.S. Law Shield of West Virginia 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.

D. U.S. Law Shield of West Virginia is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:
i. Nonpayment;
ii. A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of West Virginia;
iii. A substantial breach of a duty by the Legal Service Contract Holder; or
iv. Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of West Virginia.

E. 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 West Virginia 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.

IX. DUTIES OF LEGAL SERVICE CONTRACT HOLDER
A. Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of West Virginia if a use of a firearm or other lawful weapon occurs by the Legal Services Contract Holder.

B. 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.

C. It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of West Virginia 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 West Virginia if an appointment cannot be kept.

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

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

X. GENERAL PROVISIONS
A. 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.

B. It is expressly understood that any expenses (filing fees, transcripts, appellate bonds) 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.

C. No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of West Virginia 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.

D. 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.

E. 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 West Virginia or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in West Virginia, 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.

F. Independence of Contracting Attorneys. U.S. Law Shield of West Virginia 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 West Virginia. 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 West 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 Oklahoma, LLC may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Oklahoma, 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.

G. 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.

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

I. 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 West Virginia 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 Oklahoma, LLC conducts offers this legal service plan in the State of West Virginia and conducts business as a prepaid legal plan under the name U.S. Law Shield of West Virginia.

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.

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

U.S. LAW SHIELD OF NORTH DAKOTA LEGAL SERVICE CONTRACT

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

I. DEFINITIONS
1. “Independent Contracting Attorney” – An independent, third-party, licensed attorney that U.S. Law Shield of North Dakota 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 Dakota contracts with to provide legal services for the Legal Service Contract Holder.

2. “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.

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

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

5. “Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

II. PARTIES
A. This Legal Service Contract is administered by U.S. Law Shield of North Dakota 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 Dakota shall offer the Legal Service Contract in the State of North Dakota. The Independent Contracting Attorney shall perform the legal services described herein.

B. 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 Dakota. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

C. 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 Dakota.

III. 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.

IV. 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 Dakota 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.

A. 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 Dakota 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. This contract is “pre-paid” in nature. It does not provide coverage for legal needs existing prior to membership.

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

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

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

E. 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.

F. Optional Good Samaritan Coverage
The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of North Dakota. 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 Legal Services Contract. 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 the underlying Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

G. 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 Dakota. 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.

H. The Legal Service Contract Holder will also receive:
i. Periodic updates on topics affecting gun owners;
ii. Educational material concerning gun ownership, gun rights and the law; and
iii. A membership card with a unique member number and emergency hotline.

V. DEDUCTIBLES OR COPAYMENTS
There are no deductibles or copayments under this Legal Service Contract.

VI. LIMITATIONS & EXCLUSIONS
A. 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.

B. Neither U.S. Law Shield of North Dakota, nor U.S. Law Shield of North Dakota’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.

C. 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.

D. 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.

E. 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.

VII. 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.

VIII. CANCELLATION OF CONTRACT & REINSTATEMENT
A. Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of North Dakota 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.

B. 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 Dakota shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

C. U.S. Law Shield of North Dakota 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 Dakota. U.S. Law Shield of North Dakota 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.

D. U.S. Law Shield of North Dakota is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:
i. Nonpayment;
ii. A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of North Dakota;
iii. A substantial breach of a duty by the Legal Service Contract Holder; or
iv. Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of North Dakota.

E. 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 Dakota 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.

IX. DUTIES OF LEGAL SERVICE CONTRACT HOLDER
A. Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of North Dakota if a use of a firearm or other lawful weapon occurs by the Legal Services Contract Holder.

B. 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.

C. It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of North Dakota 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 Dakota if an appointment cannot be kept.

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

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

X. GENERAL PROVISIONS
A. 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.

B. It is expressly understood that any expenses (filing fees, transcripts, appellate bonds) 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.

C. No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of North Dakota 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.

D. 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.

E. 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 Dakota or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in North Dakota, 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.

F. Independence of Contracting Attorneys. U.S. Law Shield of North Dakota 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 Dakota. 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 Dakota. 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 Oklahoma, LLC may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Oklahoma, 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.

G. 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.

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

I. 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 Dakota 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 Oklahoma, LLC conducts offers this legal service plan in the State of North Dakota and conducts business as a prepaid legal plan under the name U.S. Law Shield of North Dakota.

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.

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

U.S. LAW SHIELD OF IDAHO LEGAL SERVICE CONTRACT

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

I. DEFINITIONS
1. “Independent Contracting Attorney” – An independent, third-party, licensed attorney that U.S. Law Shield of Idaho 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 Idaho contracts with to provide legal services for the Legal Service Contract Holder.

2. “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.

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

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

5. “Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

II. PARTIES
A. This Legal Service Contract is administered by U.S. Law Shield of Idaho 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 Idaho shall offer the Legal Service Contract in the State of Idaho. The Independent Contracting Attorney shall perform the legal services described herein.

B. 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 Idaho. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

C. 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 Idaho.

III. 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.

IV. 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 Idaho 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.

A. 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 Idaho 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. This contract is “pre-paid” in nature. It does not provide coverage for legal needs existing prior to membership.

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

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

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

E. 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.

F. Optional Good Samaritan Coverage
The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of Idaho. 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 Legal Services Contract. 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 the underlying Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

G. 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 Idaho. 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.

H. The Legal Service Contract Holder will also receive:
i. Periodic updates on topics affecting gun owners;
ii. Educational material concerning gun ownership, gun rights and the law; and
iii. A membership card with a unique member number and emergency hotline.

V. DEDUCTIBLES OR COPAYMENTS
There are no deductibles or copayments under this Legal Service Contract.

VI. LIMITATIONS & EXCLUSIONS
A. 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.

B. Neither U.S. Law Shield of Idaho, nor U.S. Law Shield of Idaho’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.

C. 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.

D. 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.

E. 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.

VII. 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.

VIII. CANCELLATION OF CONTRACT & REINSTATEMENT
A. Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of Idaho 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.

B. 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 Idaho shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

C. U.S. Law Shield of Idaho 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 Idaho. U.S. Law Shield of Idaho 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.

D. U.S. Law Shield of Idaho is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:
i. Nonpayment;
ii. A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of Idaho;
iii. A substantial breach of a duty by the Legal Service Contract Holder; or
iv. Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of Idaho.

E. 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 Idaho 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.

IX. DUTIES OF LEGAL SERVICE CONTRACT HOLDER
A. Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of Idaho if a use of a firearm or other lawful weapon occurs by the Legal Services Contract Holder.

B. 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.

C. It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Idaho 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 Idaho if an appointment cannot be kept.

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

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

X. GENERAL PROVISIONS
A. 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.

B. It is expressly understood that any expenses (filing fees, transcripts, appellate bonds) 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.

C. No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of Idaho 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.

D. 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.

E. 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 Idaho or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in Idaho, 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.

F. Independence of Contracting Attorneys. U.S. Law Shield of Idaho 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 Idaho. 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 Idaho. 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 Oklahoma, LLC may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Oklahoma, 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.

G. 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.

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

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

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.

Optional Idaho Hunting Activity Program Addendum
Idaho Hunting and Sporting Activity Program Option
U.S. Law Shield of Idaho 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 Idaho Legal Defense Program. The legal services described herein are only available to a U.S. Law Shield of Idaho Legal Service Contract Holder who elects to add this optional service for separate and additional consideration to their U.S. Law Shield of Idaho Legal Defense Program. In addition to the benefits provided in the U.S. Law Shield of Idaho 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 Idaho at no charge. Such benefits are limited to:
1) defense of any criminal charges (by an independent program attorney) alleging a violation of the Idaho Fish and Game 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 Idaho;
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 Idaho 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 Idaho or U.S. Law Shield of Idaho’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 Idaho Fish and Game 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 Idaho;
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 Idaho Legal Service Contract. The provisions of this program shall only apply and be effective for incidents that occur within the State of Idaho.
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.

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

U.S. LAW SHIELD OF ALABAMA LEGAL SERVICE CONTRACT

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

I. DEFINITIONS
1. “Independent Contracting Attorney” – An independent, third-party, licensed attorney that U.S. Law Shield of Alabama 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 Alabama contracts with to provide legal services for the Legal Service Contract Holder.

2. “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.

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

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

5. “Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

II. PARTIES
A. This Legal Service Contract is administered by U.S. Law Shield of Alabama 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 Alabama shall offer the Legal Service Contract in the State of Alabama. The Independent Contracting Attorney shall perform the legal services described herein.

B. 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 Alabama. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

C. 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 Alabama.

III. 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.

IV. 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 Alabama 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.

A. 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 Alabama 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. This contract is “pre-paid” in nature. It does not provide coverage for legal needs existing prior to membership.

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

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

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

E. 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.

F. Optional Good Samaritan Coverage
The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of Alabama. 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 Legal Services Contract. 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 the underlying Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

G. 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 Alabama. 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.

H. The Legal Service Contract Holder will also receive:
i. Periodic updates on topics affecting gun owners;
ii. Educational material concerning gun ownership, gun rights and the law; and
iii. A membership card with a unique member number and emergency hotline.

V. DEDUCTIBLES OR COPAYMENTS
There are no deductibles or copayments under this Legal Service Contract.

VI. LIMITATIONS & EXCLUSIONS
A. 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.

B. Neither U.S. Law Shield of Alabama, nor U.S. Law Shield of Alabama’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.

C. 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.

D. 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.

E. 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.

VII. 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.

VIII. CANCELLATION OF CONTRACT & REINSTATEMENT
A. Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of Alabama 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.

B. 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 Alabama shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

C. U.S. Law Shield of Alabama 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 Alabama. U.S. Law Shield of Alabama 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.

D. U.S. Law Shield of Alabama is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:
i. Nonpayment;
ii. A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of Alabama;
iii. A substantial breach of a duty by the Legal Service Contract Holder; or
iv. Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of Alabama.

E. 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 Alabama 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.

IX. DUTIES OF LEGAL SERVICE CONTRACT HOLDER
A. Legal Service Contract Holder has a duty to promptly notify U.S. Law Shield of Alabama if a use of a firearm or other lawful weapon occurs by the Legal Services Contract Holder.

B. 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.

C. It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Alabama 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 Alabama if an appointment cannot be kept.

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

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

X. GENERAL PROVISIONS
A. 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.

B. It is expressly understood that any expenses (filing fees, transcripts, appellate bonds) 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.

C. No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of Alabama 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.

D. 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.

E. 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 Alabama or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in Alabama, 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.

F. Independence of Contracting Attorneys. U.S. Law Shield of Alabama 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 Alabama. 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 Alabama. 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 Oklahoma, LLC may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Oklahoma, 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.

G. 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.

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

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

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.

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

U.S. LAW SHIELD OF NEW JERSEY LEGAL SERVICE CONTRACT

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

I. DEFINITIONS

1. “Independent Contracting Attorney” – An independent, third-party, licensed attorney that U.S. Law Shield of New Jersey 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 Jersey contracts with to provide legal services for the Legal Service Contract Holder.

2. “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, negligent or unintended discharges, or negligent or unintended displays of a firearm or other weapon.

3. “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 New Jersey for consideration and under which U.S. Law Shield of New Jersey will obtain legal services for the Legal Service Contract Holder through an Independent Contracting Attorney.

4. “Possession offense” – Any incident where the Legal Service Contract Holder is criminally charged with a violation of N.J.S. 2C:39-5 or N.J.S. 2C:39-3 involving a firearm, weapon, ammunition or large capacity magazine, provided that Legal Service Contract Holder is not otherwise engaged in criminal activity related to such incident. Possession Offense coverage is available only to U.S. Law Shield’s New Jersey members and is not available in other U.S. Law Shield jurisdictions.

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

6. ”Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

II. PARTIES

A. This Legal Service Contract is administered by U.S. Law Shield of New Jersey 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 Jersey shall offer the Legal Service Contract in the State of New Jersey. The Independent Contracting Attorney shall perform the legal services described herein.

B. 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 Jersey. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

C. 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 New Jersey.

III. 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.

IV. 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 Jersey 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.

A. 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 Jersey where the Legal Service Contract Holder is legally permitted to possess his or her firearm or other lawful weapon. Legal representation is also provided by an Independent Contracting Attorney in any criminal proceeding arising from an incident involving the Legal Service Contract Holder, in good standing, who has a criminal proceeding in New Jersey arising from an incident in New Jersey involving a “Possession Offense” 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 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 contract is “pre-paid” in nature. It does not provide coverage for legal needs existing prior to membership.

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

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

D. If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of New Jersey, 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.

E. 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.

Optional Good Samaritan Coverage

The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of New Jersey. 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 Legal Services Contract. 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 the underlying Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

F. 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 New Jersey. 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.

G. The Legal Service Contract Holder will also receive:
i. Periodic updates on topics affecting gun owners;
ii. Educational material concerning gun ownership, gun rights and the law; and
iii. A membership card with a unique member number and emergency hotline.

V. DEDUCTIBLES OR COPAYMENTS

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

VI. LIMITATIONS & EXCLUSIONS

A. 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.

B. Neither U.S. Law Shield of New Jersey, nor U.S. Law Shield of New Jersey’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.

C. 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.

D. 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.

E. 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.

VII. 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.

VIII. CANCELLATION OF CONTRACT & REINSTATEMENT

A. Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of New Jersey 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.

B. 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 Jersey shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

C. U.S. Law Shield of New Jersey 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 Jersey. U.S. Law Shield of New Jersey 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.

D. U.S. Law Shield of New Jersey is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:
i. Nonpayment;
ii. A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of New Jersey;
iii. A substantial breach of a duty by the Legal Service Contract Holder; or
iv. Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of New Jersey.

E. 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 Jersey 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.

IX. DUTIES OF LEGAL SERVICE CONTRACT HOLDER

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

B. 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.

C. It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of New Jersey 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 Jersey if an appointment cannot be kept.

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

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

X. GENERAL PROVISIONS

A. 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.

B. It is expressly understood that any expenses (filing fees, transcripts, appellate bonds) 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.

C. No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of New Jersey 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.

D. 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.

E. 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 Jersey or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in New Jersey, 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.

F. Independence of Contracting Attorneys. U.S. Law Shield of New Jersey 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 New Jersey. 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 Jersey. 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.

G. 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.

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

I. 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 Jersey 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 New Jersey and conducts business as a prepaid legal plan under the name U.S. Law Shield of New Jersey.

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.

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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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: [XXX-XXX-XXXX]

In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Houston, Texas 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: 10151 Deerwood Park Blvd., Bldg. 100, Suite 500
Jacksonville, FL 32252
(800) 888-2738]

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.

I. 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.

II. DEFINITIONS

a. Insurer – Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]

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

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

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

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

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

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

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

i. 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.

j. ”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.
3
III. PARTIES TO THE POLICY

a. 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.

b. 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.

c. 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.

IV. LEGAL SERVICES & BENEFITS

a. 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.

b. 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:

(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” in the Covered State as defined above; and
(iii) 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.

c. 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.

d. 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.

e. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

f. 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.
4
g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. 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.

V. LIMITATIONS & EXCLUSIONS

a. 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:

(1) in legal possession of a weapon, and
(2) 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.

b. 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.

c. 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.

e. 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.

f. 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.

g. 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.

h. 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.

VI. OPERATION & ADMINISTRATION OF PLAN

a. 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.
b. 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.
c. 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.
d. 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.
e. 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.

VII. CANCELLATION OF POLICY & REINSTATEMENT

a. 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.

b. 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.

c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.

d. 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.

e. 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.

f. 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.

VIII. DUTIES OF MEMBERS In the Event of A Claim

a. 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.

b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.

X. GENERAL PROVISIONS

a. 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.

b. 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.

c. 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.

d. 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.

e. 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.

f. 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.

i. 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.

j. There are no subrogation rights under this Policy.

k. 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.

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 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 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 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 for consideration and under which U.S. Law Shield 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 Legal Service Contract.

”Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield 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 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. 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.

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 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 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.

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 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 Arkansas, 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.

Optional Good Samaritan Coverage

The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying U.S. Law Shield Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of Arkansas. 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 Legal Services Contract. 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 the U.S. Law Shield Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

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, nor any of U.S. Law Shield’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 by 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 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 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 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. U.S. Law Shield 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 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;

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.

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 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 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 and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield if an appointment cannot be kept.

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

Request for legal services shall be initiated by calling U.S. Law Shield’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@texaslawshield.com. If you do not call or write there shall be no provision of legal services and you will not be provided with an Independent Contracting Attorney.

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 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 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 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. 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 Arkansas. 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 may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield 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 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.

Nothing in herein 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.

U.S. Law Shield of Georgia, LLC offers a legal service plan in the State 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
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.

State 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 COLORADO, LLC 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 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 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 for consideration and under which U.S. Law Shield 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 Legal Service Contract.

”Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield 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 shall offer the Legal Service Contract in the State of Colorado. 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. 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.

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 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 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 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, 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 Colorado, 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.

Optional Good Samaritan Coverage

The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying U.S. Law Shield Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of Colorado. 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 Legal Services Contract. 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 the U.S. Law Shield Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

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, nor any of U.S. Law Shield’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 by 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 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 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 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. U.S. Law Shield 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 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;

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.

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 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 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 and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield if an appointment cannot be kept.

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

Request for legal services shall be initiated by calling U.S. Law Shield’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@texaslawshield.com. If you do not call or write there shall be no provision of legal services and you will not be provided with an Independent Contracting Attorney.

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 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 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 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. 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 Colorado. 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 may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield 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 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.

Nothing in herein 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.

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.

State 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 FLORIDA LEGAL EXPENSE ENSURANCE CORPORATION LEGAL EXPENSE POLICY

Principal Office – 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184
I. INTRODUCTION
U.S. Law Shield of Florida 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.
II. DEFINITIONS
a. Insurer – U.S. Law Shield of Florida Legal Expense Insurance Corporation, principal place of business is 1020 Bay Area Blvd., Suite 220, Houston, Texas 77058.
b. Plan Member or Member – Any person who has filed an Application Agreement, been accepted by the Insurer, and pays all Premiums due.
c. Premium(s) – The amount paid for this Policy.
d. Plan Attorney – A licensed attorney that Insurer contracts with to provide legal services for the Member under this Policy.
e. 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.
f. “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.
g. Covered Person – A Member or a spouse or minor child covered by a Policy for which Premiums are paid and current.
h. ”Good Samaritan Incident” – Any incident where the Policy Holder 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 Policy holder receives, or expects to receive, compensation or remuneration for such services.
III. PARTIES TO THE POLICY
a. 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.
b. 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.
c. 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.
IV. LEGAL SERVICES & BENEFITS
a. 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.
b. 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.
c. 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.
d. 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.
e. 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.
f. Optional Good Samaritan Coverage
The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Policy Holder 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 Policy Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Policy Holder 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 Policy Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of Florida. 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 Legal Services Contract. 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 the Policy shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

g. The Member will also receive:
i. Periodic updates on topics affecting gun owners;
ii. Educational material concerning gun ownership, gun rights and the law; and
iii. A membership card with a unique member number and the applicable emergency hotline telephone number.
V. LIMITATIONS & EXCLUSIONS
a. 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.
b. 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.
c. 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.
d. 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.
e. 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.
VI. OPERATION & ADMINISTRATION OF PLAN
a. 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.
b. 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.
c. 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.
d. 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.
e. 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.
VII. CANCELLATION OF CONTRACT & REINSTATEMENT
a. 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.
b. 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.
c. 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.
d. Insurer is not required to provide prior notice of cancellation if the Policy is cancelled because of:
i. Nonpayment;
ii. A material misrepresentation by the Member to Insurer;
iii. A substantial breach of a duty by any Covered Person; or
iv. Cancellation of the contract by the Member to Insurer.
e. 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.
f. 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.
g. 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.
VIII. DUTIES OF MEMBERS AND OTHER COVERED PERSONS
a. Member has a duty to promptly notify Insurer if a Use Of A Firearm occurs by any Covered Person.
b. As an express condition of coverage under the Policy and legal representation in any matter, a Covered Person shall:
i. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
ii. Attend any and all court dates, court hearings, and other official appearances in connection with the charges claims in an active matter;
iii. Immediately inform Insurer of anything that will prevent the Covered Person from attending scheduled court dates or appearances;
iv. 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.
c. The Member agrees to promptly inform Insurer of all changes in his or her address or telephone number of any Covered Person.
d. 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.
IX. GENERAL PROVISIONS
a. 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.
b. 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.
c. 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.
d. 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.
e. 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.
f. 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.
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 Florida Bar Rules or Code of Professional Responsibility.
h. 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.
i. There are no subrogation rights under this Policy.
j. 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.
k. 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
Policy 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, LLC LEGAL SERVICE SUBSCRIPTION CONTRACT

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

I. DEFINITIONS

1. “Independent Contracting Attorney” – An independent, third-party, 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. 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 Georgia, LLC contracts with to provide legal services for the Legal Service Contract Holder.

2. “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, including accidental discharges. This term does not include taking the firearm or other lawful weapon to a location that is prohibited by federal, state, or local law, negligent or unintended discharges, or negligent or unintended displays of a firearm or other weapon.

3. “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 an Independent Contracting Attorney.

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

5. ”Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

II. PARTIES

A. This Legal Service Contract is administered by U.S. Law Shield of Georgia, 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 Georgia, LLC shall offer the Legal Service Contract in the State of Georgia. The Independent Contracting Attorney shall perform the legal services described herein.

B. 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.

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

III. 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.

IV. 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 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.

A. 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.

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

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

D. If the Legal Service Contract Holder tenders separate consideration for Multi-State Protection provided by U.S. Law Shield of Georgia, 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.

E. 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.

Optional Good Samaritan Coverage
The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of Georgia. 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 Legal Services Contract. 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 the Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.
F. 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 Georgia, 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.

G. The Legal Service Contract Holder will also receive:
i. Periodic updates on topics affecting gun owners;
ii. Educational material concerning gun ownership, gun rights and the law; and
iii. A membership card with a unique member number and emergency hotline.

V. DEDUCTIBLES OR COPAYMENTS

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

VI. LIMITATIONS & EXCLUSIONS

A. 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.

B. Neither U.S. Law Shield of Georgia LLC nor U.S. Law Shield of Georgia LLC’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 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.

C. 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.

D. 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.

E. 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.

VII. 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.

VIII. CANCELLATION OF CONTRACT & REINSTATEMENT

A. 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.

B. 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. If the Legal Service Contract is otherwise lawfully terminated by the Legal Service Contract Holder or by U.S. Law Shield of Georgia, LLC as indicated hereinbelow, U.S. Law Shield will refund the unearned premium, pro rata, to the Legal Service Contract Holder.

C. 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 at the last known address according to the records of U.S. Law Shield of Georgia, LLC by first class mail. U.S. Law Shield of Georgia LLC 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 Georgia, LLC 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.

D. 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.

IX. DUTIES OF LEGAL SERVICE CONTRACT HOLDER

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

B. 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.

C. It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Georgia, 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 Georgia, LLC if an appointment cannot be kept.

D. 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.

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

X. GENERAL PROVISIONS

A. 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.

B. It is expressly understood that any expenses associated (bonds, transcripts, filing fees, etc.) 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 are not covered by this Legal Service Contract.

C. 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.

D. 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.

E. 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 Georgia, 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. 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.

F. Independence of Contracting Attorneys. U.S. Law Shield of Georgia, 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 Georgia, 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 Georgia. 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 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.

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

I. 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 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.

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.

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 Houston, Texas 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.

  1. 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.

  2. DEFINITIONS

    1. Insurer — Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]

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

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

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

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

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

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

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

    9. 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.

  3. PARTIES TO THE POLICY

    1. 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.

    2. 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.

    3. 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.

  4. LEGAL SERVICES & BENEFITS

    1. 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.

    2. 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:

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

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

      3. 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.

    3. 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.

    4. 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.

    5. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

    6. 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.

    7. The Member and Covered Person will also receive:

      1. Periodic updates on topics affecting gun owners;

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

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

  5. LIMITATIONS & EXCLUSIONS

    1. 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:

      1. in legal possession of a weapon, and

      2. 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.

    2. 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.

    3. 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.

    4. 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.

    5. 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.

    6. 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.

    7. 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.

    8. 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.

  6. OPERATION & ADMINISTRATION OF PLAN

    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. 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.

  7. CANCELLATION OF POLICY & REINSTATEMENT

    1. 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.

    2. 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.

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

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

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

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

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

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

      6. 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.

    4. 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.

    5. 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.

    6. 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.

  8. DUTIES OF MEMBERS In the Event of A Claim

    1. 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.

    2. A Member and Covered Person shall:

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

      2. 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.

  9. GENERAL PROVISIONS

    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. 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.

    6. 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.

    7. 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.

    8. 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.

    9. 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.

    10. There are no subrogation rights under this Policy.

    11. 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 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;

  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 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

  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. 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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: $___________________

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: [XXX-XXX-XXXX]

In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Houston, Texas 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.

I. 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.

II. DEFINITIONS

a. Insurer – Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]

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

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

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

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

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

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

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

i. 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.

III. PARTIES TO THE POLICY

a. 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.

b. 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.

c. 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.

IV. LEGAL SERVICES & BENEFITS

a. 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.

b. 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:

(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” in the Covered State as defined above; and
(iii) 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.

c. 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.

d. 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.

e. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

f. 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.
4
g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. A membership card with a unique member number and the applicable emergency hotline telephone number.

V. LIMITATIONS & EXCLUSIONS

a. 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:
(1) in legal possession of a weapon, and
(2) 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.

b. 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.

c. 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.

d. 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.

e. 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.

f. 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.

g. 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.

VI. OPERATION & ADMINISTRATION OF PLAN

a. 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.
b. 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.
c. 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.
d. 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.
e. 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.

VII. CANCELLATION OF POLICY & REINSTATEMENT

a. 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.

b. 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.

c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.

d. 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.

e. 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.

f. 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.

VIII. DUTIES OF MEMBERS In the Event of A Claim

a. 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.

b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.

X. GENERAL PROVISIONS

a. 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.

b. 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.

c. 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.

d. 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 non-binding arbitration in the county of the state in which the Member or Covered Person resides, pursuant to the terms and provisions of the American Arbitration Association.

e. 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.

f. 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.

h. 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.

i. 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.

j. If the Member (a) need the assistance of the governmental agency that regulates insurance; or (b) have a complaint you have been unable to resolve with your insurer you may contact the Department of Insurance by mail, telephone or email: State of Indiana Department of Insurance Consumer Services Division 311 West Washington Street, Suite 300 Indianapolis, Indiana 46204 Consumer Hotline: (800) 622-4461; (317) 232-2395 Complaints can be filed electronically at www.in.gov/idoi.

l. There are no subrogation rights under this Policy.

m. 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.

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

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 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 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 for consideration and under which U.S. Law Shield 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 Legal Service Contract.

“Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield 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 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. 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.

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 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 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, 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, 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 Kansas, 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.

Optional Good Samaritan Coverage

The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying U.S. Law Shield Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of Kansas. 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 Legal Services Contract. 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 the U.S. Law Shield Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

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, nor any of U.S. Law Shield’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 by 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 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 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 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. U.S. Law Shield 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 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;

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.

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 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 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 and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield if an appointment cannot be kept.

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

Request for legal services shall be initiated by calling U.S. Law Shield’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@texaslawshield.com. If you do not call or write there shall be no provision of legal services and you will not be provided with an Independent Contracting Attorney.

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 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 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 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. 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 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 may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield 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 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.

Nothing in herein 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.

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.

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

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

I. DEFINITIONS

1. “Independent Contracting Attorney” – An independent, third-party, licensed attorney that U.S. Law Shield of Kentucky 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 contracts with to provide legal services for the Legal Service Contract Holder.

2. “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, negligent or unintended discharges, or negligent or unintended displays of a firearm or other weapon.

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

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

5. “Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

II. PARTIES

A. This Legal Service Contract is administered by U.S. Law Shield of Kentucky 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 shall offer the Legal Service Contract in the State of Kentucky. The Independent Contracting Attorney shall perform the legal services described herein.

B. 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. The benefits provided under this Legal Service Contract shall be available to the Legal Service Contract Holder whose payments are current.

C. 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 Kentucky.

III. 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.

IV. 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 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.

A. 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. This contract is “pre-paid” in nature. It does not provide coverage for legal needs existing prior to membership.

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

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

D. 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 provided herein and is subject to the limitations and exclusions provided herein.

E. 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.

Optional Good Samaritan Coverage

The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of Kentucky. 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 Legal Services Contract. 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 the underlying Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

F. 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 Kentucky. 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.

G. The Legal Service Contract Holder will also receive:
i. Periodic updates on topics affecting gun owners;
ii. Educational material concerning gun ownership, gun rights and the law; and
iii. A membership card with a unique member number and emergency hotline.

V. DEDUCTIBLES OR COPAYMENTS

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

VI. LIMITATIONS & EXCLUSIONS

A. 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.

B. Neither U.S. Law Shield of Kentucky, nor U.S. Law Shield of Kentucky’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.

C. 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.

D. 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.

E. 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.

VII. 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.

VIII. CANCELLATION OF CONTRACT & REINSTATEMENT

A. Legal Service Contract Holder may terminate the Legal Service Contract by providing U.S. Law Shield of Kentucky 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.

B. 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 shall refund the Legal Service Contract Holder or credit the Legal Service Contract Holder’s account the full purchase price of the contract.

C. U.S. Law Shield of Kentucky 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. U.S. Law Shield of Kentucky 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.

D. U.S. Law Shield of Kentucky is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:
i. Nonpayment;
ii. A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of Kentucky;
iii. A substantial breach of a duty by the Legal Service Contract Holder; or
iv. Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of Kentucky.

E. 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 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.

IX. DUTIES OF LEGAL SERVICE CONTRACT HOLDER

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

B. 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.

C. It is agreed that the Legal Service Contract Holder will keep all appointments with U.S. Law Shield of Kentucky 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 if an appointment cannot be kept.

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

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

X. GENERAL PROVISIONS

A. 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.

B. It is expressly understood that any expenses (filing fees, transcripts, appellate bonds) 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.

C. No change in the contract is valid until the change has been approved by an executive officer of U.S. Law Shield of Kentucky 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.

D. 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.

E. 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 or any of its employees, agents, officers, directors, successors or affiliates shall be and must be submitted to binding arbitration in 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.

F. Independence of Contracting Attorneys. U.S. Law Shield of Kentucky 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 Kentucky. 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 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 Oklahoma, LLC may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Oklahoma, 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.

G. 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.

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

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

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.

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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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: [XXX-XXX-XXXX]

In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Houston, Texas 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.

I. 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.

II. DEFINITIONS

a. Insurer – Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]

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

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

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

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

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

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

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

i. 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.

j. ”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.
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III. PARTIES TO THE POLICY

a. 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.

b. 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.

c. 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.

IV. LEGAL SERVICES & BENEFITS

a. 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.

b. 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:

(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” in the Covered State as defined above; and
(iii) 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.

c. 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.

d. 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.

e. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

f. 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.
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g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. 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.

V. LIMITATIONS & EXCLUSIONS

a. 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:

(1) in legal possession of a weapon, and
(2) 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.

b. 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.

c. 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.
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e. 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.

f. 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.

g. 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.

h. 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.

VI. OPERATION & ADMINISTRATION OF PLAN

a. 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.
b. 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.
c. 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.
d. 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.
e. 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.

VII. CANCELLATION OF POLICY & REINSTATEMENT

a. 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.

b. 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.

c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.

d. 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.

e. 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.

f. 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.

VIII. DUTIES OF MEMBERS In the Event of A Claim

a. 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.

b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.

X. GENERAL PROVISIONS

a. 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.

b. 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.

c. 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.

d. 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.

e. 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.

f. 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.

i. 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.

j. There are no subrogation rights under this Policy.

k. 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.

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

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

I. DEFINITIONS

1. “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.

2. “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, negligent or unintended discharges, or negligent or unintended displays of a firearm or other weapon.

3. “Legal Service Contract” – The present agreement entered into between Legal Service Contract Holder and U.S. law Shield of Oklahoma, 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.

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

5. ”Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

II. PARTIES

A. 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.

B. 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.

C. 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.

III. 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.

IV. 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 shooting hotline telephone number provided to each Legal Service Contract Holder.

A. 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 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.

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

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

D. 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.

E. 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.

Optional Good Samaritan Coverage

The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of Maryland. 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 Legal Services Contract. 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 the underlying Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

F. 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 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.

G. The Legal Service Contract Holder will also receive:
i. Periodic updates on topics affecting gun owners;
ii. Educational material concerning gun ownership, gun rights and the law; and
iii. A membership card with a unique member number and emergency hotline.

V. DEDUCTIBLES OR COPAYMENTS

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

VI. LIMITATIONS & EXCLUSIONS

A. 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.

B. 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.

C. 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.

D. 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.

E. 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.

VII. 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.

VIII. CANCELLATION OF CONTRACT & REINSTATEMENT

A. 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.

B. 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.

C. 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.

D. U.S. Law Shield of Maryland is not required to provide prior notice of cancellation if the Legal Service Contract is cancelled because of:
i. Nonpayment;
ii. A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of Maryland;
iii. A substantial breach of a duty by the Legal Service Contract Holder; or
iv. Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of Maryland.

E. 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 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.

IX. DUTIES OF LEGAL SERVICE CONTRACT HOLDER

A. 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 Services Contract Holder.

B. 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.

C. 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.

D. 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.

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

X. GENERAL PROVISIONS

A. 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.

B. It is expressly understood that any expenses (filing fees, transcripts, appellate bonds) 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.

C. 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.

D. 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.

E. 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.

F. 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 Oklahoma, LLC may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield of Oklahoma, 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.

G. 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.

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

I. 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.

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

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.

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 Houston, Texas 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.

  1. 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.

  2. DEFINITIONS

    1. Insurer — Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]

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

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

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

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

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

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

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

    9. 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.

    10. 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.

  3. PARTIES TO THE POLICY

    1. 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.

    2. 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.

    3. 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.

  4. LEGAL SERVICES & BENEFITS

    1. 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.

    2. 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:

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

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

      3. 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.

    3. 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.

    4. 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.

    5. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

    6. 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.

    7. The Member and Covered Person will also receive:

      1. Periodic updates on topics affecting gun owners;

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

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

  5. LIMITATIONS & EXCLUSIONS

    1. 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:

      1. in legal possession of a weapon, and

      2. 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.

    2. 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.

    3. 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.

    4. 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.

    5. 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.

    6. 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.

    7. 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.

  6. OPERATION & ADMINISTRATION OF PLAN

    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. 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.

  7. CANCELLATION OF POLICY & REINSTATEMENT

    1. 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.

    2. 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.

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

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

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

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

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

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

      6. 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.

    4. 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.

    5. 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.

    6. 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.

  8. DUTIES OF MEMBERS In the Event of A Claim

    1. 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.

    2. A Member and Covered Person shall:

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

      2. 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.

  9. GENERAL PROVISIONS

    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. 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.

    6. 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.

    7. 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.

    8. 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.

    9. 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.

    10. There are no subrogation rights under this Policy.

    11. 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.


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:

  1. 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;

  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 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

  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. 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.

LYNDON SOUTHERN INSURANCE COMPANY

Domiciled in Wilmington, Delaware

[Administrative Office: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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 Houston, Texas 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.

  1. 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.

  2. DEFINITIONS

    1. Insurer — Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]

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

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

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

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

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

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

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

    9. 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.

  3. PARTIES TO THE POLICY

    1. 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.

    2. 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.

    3. 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.

  4. LEGAL SERVICES & BENEFITS

    1. 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.

    2. 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:

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

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

      3. 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.

    3. 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.

    4. 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.

    5. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

    6. 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.

    7. The Member and Covered Person will also receive:

      1. Periodic updates on topics affecting gun owners;

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

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

  5. LIMITATIONS & EXCLUSIONS

    1. 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:

      1. in legal possession of a weapon, and

      2. 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.

    2. 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.

    3. 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.

    4. 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.

    5. 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.

    6. 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.

    7. 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.

    8. 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.

  6. OPERATION & ADMINISTRATION OF PLAN

    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. 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.

  7. CANCELLATION OF POLICY & REINSTATEMENT

    1. 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.

    2. 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.

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

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

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

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

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

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

      6. 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.

    4. 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.

    5. 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.

    6. 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.

  8. DUTIES OF MEMBERS In the Event of A Claim

    1. 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.

    2. A Member and Covered Person shall:

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

      2. 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.

  9. GENERAL PROVISIONS

    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. 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.

    6. 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.

    7. 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.

    8. 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.

    9. 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.

    10. There are no subrogation rights under this Policy.

    11. 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 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;

  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 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

  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. 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, LLC 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 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 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 for consideration and under which U.S. Law Shield 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 Legal Service Contract.

“Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield 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 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. 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.

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 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 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 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, 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 Missouri, 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.

Optional Good Samaritan Coverage

The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying U.S. Law Shield Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of Missouri. 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 Legal Services Contract. 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 the U.S. Law Shield Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

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, nor any of U.S. Law Shield’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 by 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 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 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 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. U.S. Law Shield 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 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;

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.

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 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 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 and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield if an appointment cannot be kept.

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

Request for legal services shall be initiated by calling U.S. Law Shield’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@texaslawshield.com. If you do not call or write there shall be no provision of legal services and you will not be provided with an Independent Contracting Attorney.

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 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 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 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. 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 Missouri. 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 may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield 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 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.

Nothing in herein 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.

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.

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 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 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 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 for consideration and under which U.S. Law Shield 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 Legal Service Contract.

“Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield 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 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. 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.

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 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, 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 New Hampshire, 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.

Optional Good Samaritan Coverage

The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying U.S. Law Shield Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of New Hampshire. 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 Legal Services Contract. 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 the U.S. Law Shield Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

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, nor any of U.S. Law Shield’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 by 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 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 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 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. U.S. Law Shield 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 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;

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.

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 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 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 and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield if an appointment cannot be kept.

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

Request for legal services shall be initiated by calling U.S. Law Shield’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@texaslawshield.com. If you do not call or write there shall be no provision of legal services and you will not be provided with an Independent Contracting Attorney.

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 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 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 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. 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 may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield 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 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.

Nothing in herein 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.

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.

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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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: [XXX-XXX-XXXX]

In WITNESS WHEREOF, LYNDON SOUTHERN INSURANCE COMPANY has caused this Policy to be executed at its Administrative Office in Houston, Texas 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: 1020 Bay Area Boulevard, Suite 220,
Houston, Texas 77058 1 (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.

I. 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.

II. DEFINITIONS

a. Insurer – Lyndon Southern Insurance Company, [Administrative Office: 1020 Bay Area Boulevard, Suite 220, Houston, Texas 77058 1 (877) 474-7184]

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

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

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

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

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

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

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

i. 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.

j. ”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.
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III. PARTIES TO THE POLICY

a. 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.

b. 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.

c. 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.

IV. LEGAL SERVICES & BENEFITS

a. 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.

b. 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:

(i) Member or Covered Person is, in good standing having paid all applicable Premiums;
(ii) Member or Covered Person has a “Use Of A Weapon” in the Covered State as defined above; and
(iii) 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.

c. 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.

d. 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.

e. 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 Washington DC. Multi-State Protection applies to all legal services and benefits described herein. Multi-State Protection is subject to the limitations and exclusions provided herein.

f. 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.
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g. The Member and Covered Person will also receive:
1. Periodic updates on topics affecting gun owners;
2. Educational material concerning gun ownership, gun rights and the law; and
3. 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.

V. LIMITATIONS & EXCLUSIONS

a. 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:

(1) in legal possession of a weapon, and
(2) 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.

b. 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.

c. 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.
5

e. 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.

f. 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.

g. 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.

h. 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.

VI. OPERATION & ADMINISTRATION OF PLAN

a. 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.
b. 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.
c. 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.
d. 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.
e. 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.

VII. CANCELLATION OF POLICY & REINSTATEMENT

a. 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.

b. 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.

c. After 60 days during which the Policy has been in force, the Policy may only be cancelled by Insurer due to:
1. Conviction of a crime arising out of acts increasing the hazard insured against;
2. Discovery of fraud or material misrepresentation of the Member in obtaining the Policy or in perfecting a claim hereunder;
3. Discovery of any willful or reckless act or omission of the Member increasing the hazard insured against;
4. Changes in the loss exposure which increase the hazard insured against;
5. A determination by a regulatory body that continuation of this Policy would violate or place the Insurer in violation of the law; or
6. 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.

d. 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.

e. 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.

f. 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.

VIII. DUTIES OF MEMBERS In the Event of A Claim

a. 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.

b. A Member and Covered Person shall:
1. Fully cooperate with Plan Attorney in a defense at any legal proceeding;
2. 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.

X. GENERAL PROVISIONS

a. 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.

b. 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.

c. 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.

d. 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.

e. 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.

f. 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.

i. 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.

j. There are no subrogation rights under this Policy.

k. 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.

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

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

I. DEFINITIONS

1. “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.

2. “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, negligent or unintended discharges, or negligent or unintended displays of a firearm or other weapon.

3. “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.

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

5. ”Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

II. PARTIES

A. 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.

B. 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.

C. 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.

III. 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.

IV. 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.

A. 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, 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 contract is “pre-paid” in nature. It does not provide coverage for legal needs existing prior to membership.

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

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

D. 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.

E. 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.

Optional Good Samaritan Coverage

The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of North Carolina. 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 Legal Services Contract. 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 the underlying Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.
F. 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.

G. The Legal Service Contract Holder will also receive:
i. Periodic updates on topics affecting gun owners;
ii. Educational material concerning gun ownership, gun rights and the law; and
iii. A membership card with a unique member number and emergency hotline.

V. DEDUCTIBLES OR COPAYMENTS

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

VI. LIMITATIONS & EXCLUSIONS

A. 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.

B. 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.

C. 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.

D. 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.

E. 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.

VII. 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.

VIII. CANCELLATION OF CONTRACT & REINSTATEMENT

A. 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.

B. 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.

C. 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.

D. 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:
i. Nonpayment;
ii. A material misrepresentation by the Legal Service Contract Holder to U.S. Law Shield of North Carolina;
iii. A substantial breach of a duty by the Legal Service Contract Holder; or
iv. Cancellation of the contract by the Legal Service Contract Holder to U.S. Law Shield of North Carolina.

E. 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.

IX. DUTIES OF LEGAL SERVICE CONTRACT HOLDER

A. 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.

B. 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.

C. 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.

D. 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.

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

X. GENERAL PROVISIONS

A. 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.

B. It is expressly understood that any expenses (filing fees, transcripts, appellate bonds) 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.

C. 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.

D. 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.

E. 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.

F. 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.

G. 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.

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

I. 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

*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.

U.S. LAW SHIELD OF OHIO, LLC 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 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 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 for consideration and under which U.S. Law Shield 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 Legal Service Contract.

“Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield 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 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. 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.

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 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 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.

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 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 Ohio, 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.

Optional Good Samaritan Coverage

The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Legal Service Contract Holder. This agreement shall continue in effect from the Effective Date until the termination, cancellation or non-renewal of the underlying U.S. Law Shield Legal Services Contract. Issuance of the U.S. Law Shield Certificate of Training Completion entitles the Legal Service Contract Holder 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 Legal Service Contract Holder, in good standing, who has a “Good Samaritan Incident” as defined above, in the State of Ohio. 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 Legal Services Contract. 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 the U.S. Law Shield Legal Service Contract shall apply to Good Samaritan Coverage, specifically including, but not limited to, the Family Violence Exclusion.

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, nor any of U.S. Law Shield’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 by 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 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 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 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. U.S. Law Shield 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 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;

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.

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 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 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 and, if an unexpected event occurs that prevents keeping an appointment, the Legal Service Contract Holder agrees to immediately notify U.S. Law Shield if an appointment cannot be kept.

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

Request for legal services shall be initiated by calling U.S. Law Shield’s emergency hotline or phoning the office at 1 (877) 474-7184, or through email at support@texaslawshield.com. If you do not call or write there shall be no provision of legal services and you will not be provided with an Independent Contracting Attorney.

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 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 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 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. 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 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 may be licensed attorneys. Those attorneys who are also employees or owners of U.S. Law Shield 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 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.

Nothing in herein 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.

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.

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

U.S. LAW SHIELD OF OKLAHOMA, LLC 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 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 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 for consideration and under which U.S. Law Shield 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 Legal Service Contract.

“Good Samaritan Incident” – Any incident where the Legal Service Contract Holder 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 Legal Service Contract holder receives, or expects to receive, compensation or remuneration for such services.

PARTIES

This Legal Service Contract is administered by U.S. Law Shield 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 shall offer the Legal Service Contract in the State of Oklahoma. 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. 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.

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 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 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 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, 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 Oklahoma, 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.

Optional Good Samaritan Coverage

The legal services described in this section regarding Optional Good Samaritan Coverage shall be available to the Legal Service Contract Holder 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 Train