LEGAL SHIELD (PRE-PAID LEGAL SERVICES, INC )

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LegalShield Covered Services The Participant may cancel this Plan through their employer and according to their employers guidelines. Any Participant paying for the Plan by personal credit card or bank account may contact customer service @ 1-888- 807-0407 from 7:00 a.m. - 7:00 p.m. CT, Monday-Friday. All services will automatically cease at the end of the Eligibility Period. The Company may, at its option, non-renew this Plan by providing written notice to the Participant. K. Reinstatement Procedure: If the Company cancels this Plan for nonpayment of premium or the Plan lapses for nonpayment of premium the Participant may request the Plan be reinstated.The Participant must request the reinstatement within 45 days of the cancellation or lapse and confirm that no events have occurred for which services will be requested. A reinstatement fee may apply. L. Change of Plan: No change in the Plan shall be valid until approved by an officer of the Company and added via endorsement or supplement to the Plan. No agent or sales associate has authority to change the Plan or to waive any of its provisions. M. Duty to Report Changes: Any correspondence relating to this Plan will be sent to the Participant using the Participant's contact information on file with the Company.The Participant shall report to the Company all changes to their contact Information within 30 days of a change via the Company Contact Information below. Should you move to a new state,your Membership Plan could change and your provider law firm will change to your new state of residence. N. Contact Information: Any correspondence relating to this Plan to the Company should be sent to Attn: Participant Service at One Pre-Paid Way,Ada, OK 74820, memberservice@legalshield.com or(800)654-7757. O.Settlement of Disputes: All disputes or claims relating to the Company; this Plan; any Company products or services; any claims or causes of action between any covered person, the Company and any of the Company's officers, directors, employees, or affiliates, whether in tort or contract; shall be settled totally and finally by arbitration according to the Commercial Arbitration Rules of the American Arbitration Association. If agreed upon, the covered person and the Company may use other processes to settle the disputes or claims. Any covered person that files a claim or counterclaim against the Company or any of its officers, directors, employees, or affiliates may only participate in arbitration on an individual basis and not with any other participant or as part of a class action. P. Severability: If any provision of this Plan is deemed invalid or unenforceable in any respect, such provision shall be, to the extent possible, reformed to make it effective. If any provision is deemed invalid and incapable of being reformed,it shall not change the validity and enforceability of all other provisions of this Plan, which shall remain valid and enforceable. Q.Subrogation: If the Company or provider law firm makes a payment under this Plan and the person to or for whom payment was made has a right to recover damages from another, the Company or provider law firm shall be subrogated to that right. 15