LEGAL BENEFIT FEATURES

Free Legal Services*:

The following nine services are available at no charge from your plan attorney.

• Initial phone consultations for each new matter (no time limit).
• Initial face-to-face consultations for new legal matter (no time limit).
• Review of independent legal documents (six page maximum per document, no limit to the number of new independent documents).
• Plan attorneys will prepare a free Simple Will for you and your family, as well as update the Will annually for free. (See definition of Simple Will in Definitions Section).
• A state specific, web based, free Living Will form is available to Members. This form can be notarized by a Notary Public. Store this document in a safe location.
• Plan attorneys will help Members represent themselves in small claims court.
• Assistance in solving problems with government programs, such as INS and Welfare.
• When deemed appropriate by your plan attorney, he or she will write letters on your behalf (one letter per legal matter, with no limit on the number of new legal matters).
• When deemed appropriate by your plan attorney, he or she will make phone calls on your behalf (one phone call per legal matter, with no limit on the number of new legal matters).

*In certain situations, attorney liability may require plan attorneys to ask for a retainer from the member prior to providing some of the free legal services.

Reduced Hourly Rate

Plan attorneys have contracted to charge 40% off their normal hourly rate, with a minimum of $125 per hour, for legal care beyond the free and discounted services.

Deeply Discounted Legal Services

The following are commonly used legal services for which plan attorneys have agreed to charge a one-time, deeply discounted fee.

Legal Service Member Rate Non-Member Rate Simple Will with Minor's Trust $300.00 $580.00   Chapter 7 Bankruptcy $995.00   $1,800.00   Non-Payment of Court Ordered Support $1,250.00   $3,000.00   Uncontested Divorce $750.00   $1,500.00   Small Business Incorporation $750.00   $2,000.00   Residential Real Estate Document Review $350.00   $775.00   Traffic Ticket Defense $89.00   $199.00

The fees listed above are only for legal services rendered. Court costs, filing fees, administrative expenses and time charged for travel to and from any courts are additional. Detailed legal services definitions can be found in the Definitions Section. For the most up-to-date information and definitions please refer to legalclub.com.

Retainers

In the case of extended legal care, plan attorneys may ask you for a retainer. Any retainer sought will be computed by multiplying the number of hours a plan attorney believes a case will take, by the appropriate discounted hourly plan rate. For instance; 10 hours x $125.00 = a retainer of $1,250.00. Any unused portion of the retainer will be returned to you.

Contingency Fee Discounts

The contingency fee discount will be a 10% reduction of the state maximum rate or the attorney's usual rate, whichever is lower.

Online Forms

Access to a wide-ranging selection of free self-service forms that may be downloaded and completed to create legally valid documents. Forms are state specific and include:

• Last Will and Testament
• Bill of Sale
• Landlord/Tenant Agreements
• Leases
• Advance Health Care Directive/Living Will
• Power of Attorney

In addition to a comprehensive inventory of free forms, you may purchase and download a vast array of self-service forms from our catalog at a substantially discounted price.

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TAX PREPARATION & ADVICE BENEFIT FEATURES:

Tax Related Benefits

• Free mail-in tax return preparation (includes 1040EZ, 1040A, and 1040)*
  
• Free preparation of most commonly used schedules that accompany the form 1040*
  
• IRS audit assistance
  
• Unlimited advice for personal and business matters on federal taxation via toll-free phone call/fax/e-mail (no time or frequency limitations)
  
• Tax professionals will review any notice or letter issued by the IRS and provide advice on how to understand and solve the matter.
  
• Access to a web-based IRS audit tutorial, as well as an IRS notification tutorial.
  
• IRS notification assistance
  
• Tax planning
  
• Review of prior year’s tax return*
  
• Member portal with tax tips, tax law changes, tax organization area, IRS audit area, IRS notification area and member advice on-line
  

All tax and financial assistance is provided by tax attorneys, financial analysts, CPA’s, former auditors and/or Enrolled Agents certified by the IRS. Additionally, all Tax Hotline advice is backed by a $1 million liability policy.

*Limit one per household. The free tax preparation is limited to returns that include Forms 1040, 1040A or 1040-EZ, Schedules A, B and D with 15 or fewer entries. Any return with additional schedules, or that has more than 15 entries in Schedules A, B or D, shall be prepared and billed at a rate of $60 per hour or the then current hourly rate. In order for Tax Hotline to complete your tax return by the deadline, all of your tax documents, organizer and service agreement need to be sent to them by March 31.

The Voice Behind the Software
With today’s tax software programs, you need more than help screens. Receive tax advice tailored specifically to your unique situation. Live, one-on-one, direct answers to tax questions over the phone. When pop-up screens just aren’t popping up with the right answer, experts are a phone call away with reliable advice.

IRSspeak Interpretation
Our team of professionals will review any notice or letter issued by the Internal Revenue Service and provide professional advice on how to understand and solve the matter. Our experts will assist and advise you if you get audited. They review the IRS audit notification and help sort out the facts.

You also have access to a web-based IRS audit tutorial, as well as an IRS notification tutorial that helps take the terror out of those ominous-looking IRS letters.

Tax Advisor for People in All Income Brackets
Tax consultation is vitally important for nearly everyone at one time or another. You can seek and receive advice on the tax implications of all these everyday financial matters:

• Individual Retirement Accounts, Roth IRAs, 401K Plans, SEPs
• Healthcare spending accounts
• Investment timing and strategies
  
• Capital gains
  
• Real estate timing and strategies
  
• Tax advantages of home ownership
  
• Inheritance
• Retirement planning

Our team of professionals will also review your prior year’s tax return. This review can reveal costly errors and generate a source of extra tax savings.

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IDENTITY THEFT SOLUTIONS BENEFIT FEATURES:

Our Identity Theft Program helps prevent identity theft and provides comprehensive Privacy Advocate assisted restoration in the event a theft occurs. You receive all of the following identity theft services:

Privacy Plus Software
Protects your personal information and internet activity from cybercriminals, hackers and others spying on you. Use it to securely store information and send email, store passwords and anonymously navigate online anywhere, anytime and with any device:

Secure Data Vault
Store, share and access important documents like medical records, financial records, travel itineraries, passports or anything else that requires protection.

• Emails are scanned for viruses and you can require a passcode for another party to open your email.
  
• Easily set-up access to email from a computer or any smart phone.

Secure Email Account
Send email securely without worrying about others accessing the content or files included in your emails.

• Your information is protected using military grade encryption, under the same laws that govern the Swiss banking industry.
  
• Transferring paper documents to your data vault is easy as taking a picture and uploading them.

Virtual Private Network (VPN)
This secure web tool protects data like credit card numbers, account numbers, passwords, and more while you are online or away from your device.

• Use public wi-fi hotspots securely to post on social media, shop online, etc.
  
• Surf sites discreetly and anonymously – our program masks user’s true IP address, ensuring internet activities remain private and confidential. Using this tool will prevent Internet Service Providers from selling your browsing history.

Password Manager
Makes it easy to use a strong and unique password for every website.

• By remembering a master password, this tool will automatically fill in your unique username and password on any login screen.
  
• All information stored is encrypted and decrypted locally, thus data is never transmitted without being fully secured.
• If your device is lost or stolen, download the application to a new device, enter your master password, and your information will sync within seconds.

3-Bureau Credit Monitoring*
Alerts you to changes reported to all three national credit bureaus – Experian®, Equifax®, and TransUnion®. Monitored changes include personal information, public records, inquiries, new account openings, and existing accounts reported as past due.

• If there are key changes to your credit reports, such as loan data, inquiries, new accounts, judgments, or liens, you will receive an alert.
  
• Notifications triggered as a result of new inquiries and/or adjustments made to a credit file are sent to you via email on a daily basis.
• These reports help to proactively manage your financial health and monitor your identity.

Note that credit monitoring requires an authentication process prior to activation.
* Credit Monitoring coverage is limited only to the member.

Identity Monitoring*
Scours the internet to identify the illegal trade and sale of your personal information.

• Monitors thousands of websites and checks millions of data points, and if we find your information, we’ll alert you.
• Our proactive detection works in real time, giving you the opportunity to stop the leak early.
• Data is collected on an international level, regardless of a country’s credit system or language.
• The sooner you know that your information is compromised, the more you reduce the risk of lasting damage, and the better your chances for a quick resolution.

This program monitors your online identity and keeps you alerted of possible breaches of your:

• Bank accounts
• Credit/debit cards
• Email addresses tied to different online accounts
• Medical ID numbers located on your ID card provided by your health insurance provider
• Phone numbers
• Social security number (we monitor credit data and public records to ensure that your social security number is not being used fraudulently)
• Driver’s license
• Passport number
• Store/membership cards (retail credit cards)

* Identity Monitoring coverage is limited only to the member.

Bank Takeover Monitoring
Watches for new bank and credit account activity. If someone tries to open a bank account or credit card using your Social Security number or other personal information, we’ll alert you.

• Provides early detection of suspicious bank or credit card account activity.
  
• Reviews information from hundreds of financial institutions daily and flags unusual or high-risk activity.
• Rapid detection reduces the time, money and emotional stress associated with a compromised or fraudulent bank account.

Social Media Monitoring (Cyberbullying)
Monitors your children’s social media activity and social networks and notifies you by email within 24-48 hours of potential privacy or reputation risks.

• Searches for instances in which your children’s personal information is exposed via social sites and notifies you of these privacy risks.
  
• Notifies you of objectionable content—such as foul language, sexual content, drug or alcohol references—that could damage your child’s reputation.
• Monitors children’s social networks for instances of cyberbullying, references to weapons, or sexual predator activity (also known as “grooming”). If anything is discovered, you will receive an alert.

This service monitors Facebook, Twitter, LinkedIn and Instagram.

Sex Offender Monitoring
Provides a report of all registered sex offenders living within your immediate area and notifies you when a new sex offender is added.

• If a sex offender attempts to use your personal information to evade detection, you are alerted.
  
• Using your state’s sex offender registry, you are alerted when an offender moves into your immediate area.
• Monitoring reports are updated monthly and if any changes are reported, you are notified.

Note that alerts for this component can’t be delivered unless an email address has been provided for notifications.

Identity Theft Restoration
Assists you with full service identity restoration by certified identity theft risk management specialists. To reduce the time and effort required in the event your identity is stolen, our specialists will:

• Provide support in restoring your identity and, if authorized, can employ Limited Power of Attorney to complete all restoration activities on your behalf.
• Contact your banking institutions, file a police report, review your credit report, or place a fraud notification or security freeze with the three credit bureaus.
• Make phone calls, send electronic notifications, and prepare appropriate documentation on your behalf.
• Issue fraud alerts and victim statements when necessary with the three consumer reporting agencies, the FTC, SSA, and U.S. Postal Service.
• Contact, follow up and escalate issues with affected agencies, creditors, financial institutions to reinforce your rights.

Lost or Stolen Credit Card Assistance
In the event your identification or credit cards are misplaced or stolen, Privacy Advocates will:

• Consult with you to determine the severity of the event
• Obtain credit reports from each of the three major credit bureaus
• Contact each credit card company or other financial institution via teleconference
• Cancel affected credit cards
• Request new replacement cards
• Place fraud alerts with all three major credit bureaus
• Assist with interpreting credit reports
• Provide daily ID monitoring for six months to help proactively prevent any additional identity fraud
• Provide credit dispute assistance
• Assist with additional lost items including driver’s license, library, and other membership cards

Identity Theft Insurance*
Receive up to $1,000,000 of identity theft insurance coverage underwritten by a nationally recognized Insurance Carrier with an “A” or better AM Best Rating. This coverage will help offset some of the costs associated with identity theft:

• Lost wages: $1,500.00 per week, for 5 weeks maximum
  
• Re-filing of loans
  
• Defense cost for certain civil and criminal lawsuits
  
• Reimbursement of fees: Reasonable and necessary costs incurred in the United States by the insured for:
  
  (a) Re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a stolen identity incident
  
  (b) Notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of the insured’s efforts to report a stolen identity incident and/or amend or rectify records as to the insured’s true name or identity as a result of a stolen identity event
  
  (c) Up to six credit reports from established credit bureaus (with no more than two reports from any one credit bureau) dated within 12 months after the insured’s discovery of a stolen identity incident

* The description herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Insurance coverage is limited only to the member.

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ELIGIBILITY:

All eligible members may take advantage of this program's benefits and services. See the Definitions Section for a complete description of “Eligible Family Members".

To Receive a Plan Attorney Referral or Access your other Plan Benefits
Contact Legal Club’s Member Services Department (MSD) at (800) 305-6816 8:00 am to 8:00 pm EST, Monday through Friday. There is no limit to the number of attorney referrals you may receive.

When contacting MSD, a Service Advocate (SA) will ask you to identify yourself and the method by which you became affiliated with Legal Club.

If you are calling for an attorney referral, the SA will ask you to briefly describe your legal issue, for the purpose of referring you to a plan attorney that practices the appropriate area of law, speaks your language and is conveniently located.

If the appropriate plan attorney cannot be immediately provided, the SA will escalate your issue to a Manager. In some situations this additional step is appropriate to help ensure the best possible referral. For example, your particular need may require additional review or we may need to confirm certain information with a specific plan attorney or participating law firm. A Manager will contact you to ensure you are provided the best available referral.

If you are calling to utilize any of the other services included in your plan, the SA will connect you directly to the appropriate service professional.

CONTACTING PLAN ATTORNEYS
When contacting a plan attorney identify yourself as a Legal Club member. If for any reason the plan attorney is unable to assist you please call MSD for another referral.

Plan attorneys may be out of the office, or otherwise attending to their existing clients. Therefore, please allow up to 3 business days for the plan attorney to respond to your call(s).

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DEFINITIONS

BANKRUPTCY CHAPTER 7: Includes preparation of the petition, documents and scheduling of a 341 hearing.

To qualify for this special rate, income cannot exceed the state’s median income in which the bankruptcy is being filed. In situations where income is greater than the state’s median income, all bankruptcy work will be done at the applicable reduced hourly rate.

Court costs, filing fees, and other costs such as attorney travel are additional. Court appearances by a plan attorney will be billed at the applicable reduced hourly rate.

DIVORCE (UNCONTESTED): Plan attorney will consult to determine if matter qualifies as an Uncontested Divorce. This service includes review, preparation and filing of any documents and/or petitions necessary for an uncontested divorce.

To qualify for an uncontested divorce, spouse is not represented by separate counsel, there are no children under age 18 (or dependent children of any age), marital assets are less than $70,000, and all issues must be agreed upon by both parties using the same attorney.

This fee does not include court appearances, attendance at mediations, court costs, filing fees, attorney travel time to and from court or the preparation of documents affecting the disposition of property. All work that does not meet this definition will be billed at the applicable reduced hourly rate.

ELIGIBLE FAMILY MEMBERS: Includes spouse or domestic partner, dependent children and any categorically dependent individuals living in the plan member’s home such as a parent or grandparent. Identity Theft Insurance, Credit Monitoring, and Identity Monitoring coverage are limited only to the member.

NON-PAYMENT OF COURT ORDERED SUPPORT: In previously court ordered support issues, if the individual ordered to comply with the court order is not complying resulting in non-payment of support, whether child support or spousal support, this service includes preparation of the motion and the affidavit.

This fee does not include establishing a support order, court appearances, attendance at mediations, court costs, filing fees, or attorney travel time to and from court. All work that does not meet this definition will be billed at the applicable reduced hourly rate.

PLAN/PARTICIPATING ATTORNEYS: Must be licensed and qualified to practice law in their state, maintain professional liability insurance if required by their state, and have contracted with Legal Club to provide legal services as outlined in this Plan Member Guidebook for the law areas that they handle and the cases they accept.

PLAN MEMBER: Any person who has purchased a Legal Club membership and is current with payments.

RESIDENTIAL REAL ESTATE DOCUMENT REVIEW: Includes attorney review of purchase or sales agreement, review of documents prepared by licensed real estate agent or broker (disclosure, title policy, liens, inspection reports, closing cost estimates and statements, etc.), and presentation of detailed guidelines of the closing process for primary residential real estate not used for business or investment purposes.

Any additional work or extended counseling will be billed at the applicable reduced hourly rate.

SIMPLE WILL (NO CHARGE WILL): A will that distributes personal property and homestead, not involving trusts, specific bequests, real estate, tax matters, guardianships, living wills, health care proxies or partitions.

SIMPLE WILL WITH MINOR'S TRUST: Includes preparation of a simple will with a minor’s trust for the surviving minor children.

This document will contain information necessary for the creation of a trust in the event that any minor children have not attained the age of majority at the time of death or administration of the estate of the plan member. In such event, the purpose of such trust is to allow the member to designate a trustee to manage the share of the property and assets left to such children, for the benefit of those children, until such time as they have attained the age of majority.

This fee does not cover extensive information regarding retirement plans, investments and their tax treatment, other kinds of trusts, complex tax matters, or estate planning. Counsel for these additional areas of law will be billed at the applicable reduced hourly rate.

SMALL BUSINESS INCORPORATION: Includes attorney consultation to discuss and address the type of business entity recommended by plan member’s CPA or tax advisor. Should the member choose to set up a Corporation or Limited Liability Company (LLC), this service includes preparation of the necessary documents (Articles of Incorporation if setting up a corporation, or the Articles of Organization if setting up an LLC) for filing with the appropriate agency in their state. This also includes review of the prepared filing of a 1120s election form and SS-4 application for the Federal identification number prepared by the CPA or tax advisor. Any extended work for the new corporation is not eligible for family plan discounts.

Not for profit organizations, partnerships and limited liability partnerships (LLP) are not included in this definition; assistance in choosing to form the excluded entities can be provided at the applicable reduced hourly rate. Filing fees, duplication costs, photo copies, the corporate kit and all expenses are paid by the member.

This fee does not include more than one shareholder, by-laws, minutes, operating agreement, statement of information, or other necessary documents required by the state agency.

TRAFFIC DEFENSE: The discounted fee applies to first time non-criminal traffic infractions including but not limited to; violation of traffic control device, failure to stop at a stop sign, improper change of lane, illegal turns, improper or unsafe equipment, expired tag, no proof of insurance, unlawful speed, improper passing, failure to use turn signal, failure to yield the right of way and safety belt violations.

This rate applies to each individual non-criminal traffic infraction. The discounted fee includes the preparation of any necessary court documents and attendance at a single court hearing to settle a single, first time, non-criminal traffic infraction.

The discounted fee does not include court costs, fines imposed by the presiding judge, additional scheduled hearings or other traffic matters that the court deems to be criminal in nature.

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MISC. INFORMATION

• Participating attorneys are bound by their state’s professional code of ethics. They will advise you if they have a conflict of interest in taking your case. Attorneys have the inherent right to decline a case for any reason. However, plan attorneys have agreed not to reject any eligible plan member seeking services by reason of the amount of fees to which he or she may be entitled to charge under the Legal Club plan. If a plan attorney is unable to assist you, please contact Legal Club’s Member Services Department for further assistance.


• To cancel membership, contact Member Services at (800) 305-6816 or send written notification to Legal Club. A full refund of the initial month’s fee may be requested if cancelled within 30 days of receiving membership materials


• Providers are subject to change without notice.


• Attorney fees are paid directly to plan attorney. Participating attorneys are not employees of Legal Club and have no financial obligation to the company.


• Legal Club of America Corporation and any of their agents, officers, or subsidiaries are not liable to indemnify or reimburse any plan member or participating attorney for any attorney fees or costs generated by the plan member.


• Legal Club of America Corporation and any of their agents, officers, or subsidiaries, as well as State Bar Associations and other regulatory agencies, do not guarantee the quality or quantity of legal services that are provided by plan attorneys. However, all participating attorneys are required to provide certificates of liability insurance if required by their state associations, and background checks are performed periodically to verify that they are in good standing.


• Plan attorneys have the sole responsibility for providing any and all legal services to the plan member.


• Legal Club of America Corporation is not a law firm, insurance carrier or a provider of legal services.


• The membership term is one year and shall automatically renew at the end of each membership term, unless explicitly cancelled


• The term "guarantee" as used in this guidebook refers to the guarantee that Legal Club will use its best effort to locate and refer its members to an attorney that will abide by the fee schedule outlined herein. If Legal Club cannot find such an attorney for a member, the member’s only recourse is a refund of the most recent month’s membership fee.


• Court filing fees, expert witness fees, court costs, court reporter fees, transcript expenses, photocopying costs, postage, telephone toll charges and any other incidental expenses incurred by the plan member are excluded from discounted rates under any of the three pricing formulas described in this guidebook. Travel expenses are not eligible at discounted rates when the attorney must travel to represent a plan member’s interests.


• Information available at legalclub.com will contain the most up-to-date plan benefits, definitions, terms and conditions, etc. In the event of a conflict or discrepancy, the website content shall be considered the most up-to-date and correct.

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TERMS & CONDITIONS

The following matters are excluded from your plan privileges:

• Legal matters involving the laws of jurisdictions outside the United States or its territories.


• Legal matters where the plan member has already retained participating counsel at their usual and customary rates prior to enrollment in Legal Club.


• Frivolous legal matters as determined by the plan attorney in accordance with the professional code of ethics in their state.


• Any action involving Legal Club, plan attorneys, affiliated companies or any of their company’s or affiliated company’s directors, officers, employees or agents in any matter in which they have interests adverse to the plan member's.


• Legal matters against the plan sponsor, employer, directors, officers, agents or employees, where Legal Club membership was gained through the sponsor or employer’s efforts.


• In matters where the plan member and eligible family member have adverse interests, only the original plan member is eligible for plan discounts and not the family member unless both parties provide written authorization and consent otherwise.

®© Legal Club of America Corporation 2016. The hiring of a lawyer is an important decision. Before you decide to hire the lawyer to whom you are referred, please ask the lawyer for written information about the lawyer’s qualifications and experience. All legal services are provided by contracted, licensed attorneys. Plan benefits administered by Legal Club of America Corporation.

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