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HomeMy WebLinkAboutLEGAL SHIELD (PRE-PAID LEGAL SERVICES, INC ) INSURANCE ON FILE N-2024-340 WORK MAY PROCEED UNTIL INSURANCE EXPIRES °`P/°' /24— CITY CLERK LegcilShield' DATE: UCT U 2024 EMPLOYER AGREEMENT 0'. Ng_l a) t rovnc4 L (kol)' Employer. The City of Santa Ana, a charter city and municipality, (the "Employer") enters this agreement ("Agreement") with Pre-Paid Legal Services, Inc. d/b/a Legalshield, an Oklahoma corporation ("PPLSI" or "Company") (each, a "Party" or collectively, "Parties"), for legal and identity theft services to be offered to Employer's employees as an employee benefit within the United States. 2. Term of Agreement. This Agreement is effective on January 1, 2025 and is for 5 year(s). After the initial term,this Agreement will automatically renew for additional one-year terms. If either Party does not want the Agreement to renew then either Party shall give the other Party at least 120 days prior written notice. Either Party may terminate this Agreement without cause and at any time upon giving 90 days prior written notice to the other Party. 3. Eligibility and Enrollment. All full-time and part-time employees of Employer working 20 plus hours a week are eligible to enroll. Employees may enroll in the group legal and identity theft plans ("Service Plans") annually during the Employer's open enrollment. The employee ("Member") must enroll for a period of one year. If a qualifying life event occurs,a Member may choose to cancel the membership. 4. Payment. The rate for the group legal plan ("LegalShield Plan") is $18.85 per month per employee enrolled for the family plan,which includes any applicable supplement amounts. The rate for the group identity theft plan ("IDShield Plan") is $ 14.05 per month per employee for the family plan or $7.45 per month for an individual plan. When an employee purchases both the LegalShield and IDShield plan, the rates are discounted to $30.90 per month per employee for the family or $ 25.30 per month for the individual. Each month, the Employer will provide the Company with a Member file list and payment for each Member. 5. Data Protection. The Company will comply with applicable laws, regulations, and government orders relating to personally identifiable information ("PII")and data privacy with respect to any such data that the Company receives or has access to under this Agreement. The Company will maintain physical, electronic and procedural safeguards to protect PII in accordance with accepted industry standards. The Company will not use or disclose any data made available or accessible under this Agreement for any purpose other than a business purpose as outlined in PPLSI's Privacy Policy available at https://www.pplsi.com/privacy-policy/. 6. Indemnification. Each Party (the "Indemnifying Party") agrees to defend, indemnify the other Party, its directors, officers, employees, and agents (the "Indemnified Party") and hold them harmless from and against all third-party claims, liability, fees, penalty, losses, direct costs and expenses, obligations (including reasonable attorney's fees and disbursements) judgment or damage ("Damages") directly resulting from the Indemnifying Party's breach of this Agreement or acts or omissions of the Indemnifying Party in the performance of its duties hereunder,except to the extent arising from such action or omission which constitutes gross negligence, recklessness or misconduct on the part of the Indemnified Party.The Indemnified Party will pay any Damages finally awarded against Employer for such action, provided that: (1) the Page 1 of 6 LS-591(02/24) Indemnified Party gives the Indemnifying Party prompt written notice of the action; (2) Indemnifying Party has sole control of the defense, settlement, or compromise of the action; and (3) Indemnified Party provides the Indemnifying Party with reasonable cooperation, information, and other assistance requested by the Indemnifying Party in connection with the defense, settlement, or compromise of the action. The Indemnified Party may elect to participate in the action with an attorney of its own choice at its own expense. Each Party has a duty to mitigate damages that would otherwise be recoverable hereunder by taking appropriate and reasonable actions to reduce or limit the amount of such damages. 7. Service Plans.The Company will provide the services described in the LegalShield Plan Overview attached as Exhibit A and the IDShield Plan attached as Exhibit B to this Agreement (collectively, "Services") to enrolled Members in return for the membership fee. 8. LegalShield Eligibility. The following are eligible for Services under the family LegalShield Plan: a. The Member. b. The following family members of Member are also eligible for Services, unless provided otherwise in the family LegalShield Plan: i. The Member's spouse or domestic partner. ii. Dependent children of the Member,the Member's spouse,or domestic partner, under26 years of age. Hi. Children under 18 years of age for whom the Member,the Member's spouse,or domestic partner, is the legal guardian. iv. Any dependent child, regardless of age, who is physically disabled or mentally incapacitated resulting in an inability to make legally binding decisions, is unable to be employed and lives at home with the Member, Member's spouse, or domestic partner. v. A dependent child is the natural or adopted child of the Member,the Member's spouse,or domestic partner. 9. IDShield Plan Eligibility. The following are eligible for Services under the individual IDShield Plan;the Employee only, and under the family IDShield Plan, except as otherwise provided in the family Identity Theft Plan: a. The Member. b. The Member's spouse or domestic partner. c. Monitoring services for eligible dependent children under the age of 18 of the Memberor Member's spouse or domestic partner.Consultation and Restoration services for eligible dependent children under the age of 26. Identity Fraud Protection Plan ("Protection Plan")for dependents subjectto the complete terms,coverage,conditions,and limitations under the Protection Plan. 10. change to Service Plan. No change in the Service Plans shall be valid until approved by an officer of the Company. No agent can change the Agreement or Service Plans or waive any of its provisions. 11. Confidential Information. Each Party agrees that during the term of this Agreement, it may disclose Confidential Information ("Disclosing Party") to the other Party("Receiving Party") and Page 2 of 6 LS-591(02/24) that the Receiving Party will take all reasonable measures to protect the Confidential Information of the Disclosing Party, including, but not limited to, the same degree of care that Receiving Party uses to protect its own confidential information of a like kind and not disclose it except as may be set forth herein. Confidential Information may only be used by the Receiving Party for the purposes contemplated under this Agreement. Confidential Information shall not include information that the Receiving Party can demonstrate: (i) is, as of the time of its disclosure, or thereafter becomes part of the public domain through a source other than the Receiving Party without an obligation of confidentiality, (ii) was known to the Receiving Party prior to the time of its disclosure without an obligation of confidentiality, (iii) is independently developed by the Receiving Party without use of, or reference to, the Disclosing Party's Confidential Information, or (iv) is subsequently learned from a third party not under a confidentiality obligation to the Disclosing Party. If a Receiving Party is required by applicable law, regulation, court order or legal process to disclose any Confidential Information, the Receiving Party will provide the Disclosing Party with prompt notice of such request or requirement, and the Receiving Party will use reasonable efforts to ensure that all Confidential Information so disclosed is treated confidentially. Such disclosure of Confidential Information in accordance with the foregoing sentence will not violate the terms of this Section 10. 12. Settlement of Disputes. All disputes or claims relating to the Company, the Service Plans, any Company products, any claims or causes of action between any Member,the Employer, and the Company whether in tort or contract, shall be settled totally and finally by arbitration in Orange County, CA in accordance with the Commercial Arbitration Rules of the American Arbitration Association, including the optional rules for emergency measures of protection. Judgment on any award may be entered in the Orange County Superior Court or in the United States District Court for the Central District of California. Each Party will be responsible for consent to the personal jurisdiction and venue of such courts. This Agreement will be governed by and interpreted in accordance with the laws of the State of California without regard to its conflict of laws principles. The courts of the State of California shall have jurisdiction to resolve any disputes that arise under this Agreement, and each Party consents to such jurisdiction, and to venue in such courts. 13. Notice. All notices under this Agreement must be in writing and shall be deemed to have been duly given and received when (a) delivered by hand (with written confirmation of receipt); (b) sent by email (with written confirmation of receipt), provided that a copy is mailed by registered or certified mail, return receipt requested; or (c) when received by the addressee, if sent by a nationally recognized overnight delivery service (receipt requested), in each case to the appropriate addresses set forth below: If to LegalShield: Pre-Paid Legal Services, Inc. One Pre-Paid Way Ada,Oklahoma 74820 Attn: General Counsel generalcounsel@pplsi.com (email) If to Employer: City of Santa Ana 20 Civic Center Plaza#M24 Page 3 of 6 LS-591(02/24) Santa Ana, CA 92701 Attn: Human Resources, Employee Benefits With a CC to: HRBenefits@santa-ana.org(email) 14. Reinstatement Procedure. Should the Member leave their employment; they may elect to continue their Service Plans directly with the Company by notifying the Company and providing a payment method.The Company,at its option, may reinstate the Service Plans upon payment by the Member of the member fee. The Effective Date of the reinstatement shall be the date the reinstatement is accepted and processed by the Company. Services are not available for any act or occurrence during the lapse period. 15. Change of Fees. The Company has the right to change the membership fee for the Services Plans. Changes in the fee will only occur on the anniversary date of the Services Plans.Should the fee be changed, the Member will be sent a 30-day written notice. 16. Severability. If any provision of this Agreement 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 impact the validity and enforceability of all other provisions of this Agreement, which shall remain valid and enforceable. 17. Entire Agreement.The terms and conditions of this Agreement constitute the entire Agreement between the parties and supersede all previous agreements, whether oral or written, between the parties with respect to the subject matter hereof. 18. Insurance. Prior to undertaking performance of work under this Agreement, the Company shall main and require any subcontractors to obtain and maintain insurance as described below for the entire Term of this Agreement: MINIMUM SCOPE AND LIMIT OF INSURANCE 1. Commercial General Liability(CGL): Insurance Services Office Form CG 00 01 covering CGL on an "occurrence" basis, including products and completed operations, property damage, bodily injury and personal & advertising injury with limits no less than $2,000,000 per occurrence and $4,000,000 aggregate. Required policy limits can be met with primary and umbrella/excess insurance policies. 2. Workers'Compensation: as required by the State of California, with Statutory Limits, and Employer's Liability Insurance with limit of no less than $1,000,000 per accident, policy or employee, for bodily injury or disease. Coverage is not required if Consultant has no employees and signs request to waive such insurance. 3. Professional Liability Insurance: with limits no less than $1,000,000 per occurrence or claim, and $2,000,000 aggregate. If the Company maintains broader coverage and/or higher limits than the minimum requirements for each line of coverage shown above, Employer requires and shall be entitled to the broader coverage and/or the higher limits maintained by the Company. Any available Page 4 of 6 LS-591(02/24) insurance proceeds in excess of the specified minimum limits of insurance and coverage shall be available to Employer. Other Insurance Provisions The above required insurance policies are to contain or be endorsed to contain the following provisions: Employer, its City Council, its officers, officials, employees, agents, and volunteers are to be covered as additional insureds, under the Company's CGL, and Professional Liability policies, with respect to any liability arising out of work or operations performed by or on behalf of the Instructor including materials, parts, equipment, and personnel furnished in connection with such work or operations. Company's Insurance company(ies) agrees to waive all rights of subrogation against Employer, its City Council, its officers, officials, employees, agents, and volunteers for losses paid under the terms of any policy which arise from work performed by the Company under this Agreement. For any claims related to this contract, the Company's insurance coverage shall be primary and any insurance maintained by Employer, its City Council, its officers, officials, employees,agents, or volunteers shall not contribute with it. A severability of interest provision must apply for all the additional insureds, ensuring that the Company's insurance shall apply separately to each insured against whom a claim is made or suit is brought, except with respect to the insurer's limits of liability. Insurance policies required herein shall provide that coverage shall not be canceled,suspended, voided, reduced in coverage or in limits, non-renewed by the carrier, or materially changed except after thirty(30) days prior written notice has been given to Employer.Ten (10) days prior written notice shall be provided to Employer for policy cancellation or non-renewal due to non- payment of premium. Certificate Holder on each Evidence of Insurance certificate shall be: City of Santa Ana, Attention: Executive Director of Human Resources Agency, 20 Civic Center Plaza,Santa Ana, CA 92701. The name and location of project must be included in the Description of Operations section of each certificate. Self-Insured Retentions Self-insured retentions must be declared to and approved by the Employer. The Employer may require the Company to purchase coverage with a lower retention or provide proof of ability to pay losses and related investigations, claim administration, and defense expenses within the retention. Acceptability of Insurers Insurance is to be placed with insurers authorized to conduct business in the State of California with a current A.M. Best rating of no less than A:VII, unless otherwise acceptable to Employer. Page 5 of 6 LS-591(02/24) Verification of Coverage Company shall furnish Employer with original Certificates of Insurance including all required amendatory endorsements (or copies of the applicable policy language effecting coverage required by this clause) and a copy of the Declarations and Endorsement Page of the CGL policy listing all policy endorsements before work begins. However, failure to obtain the required documents prior to the work beginning shall not waive Company's obligation to provide them. Employer reserves the right to require complete, certified copies of all required insurance policies, including endorsements required by these specifications, at any time. Special Risks or Circumstances Employer reserves the right to modify these requirements, including limits, based on the nature of the risk, prior experience, insurer, coverage, or other special circumstances. PRE-PAID LEGAL SERVICES, INC. By: 711.7-5to ' Print Name: Mary Shields Skaggs Title:VP, National Broker Service and Relationship Management Date: 9/11/2024 EMPLOYER By: See attached signature page Print Name: Title: Date: Page 6 of 6 LS-591(02/24) ATTEST: CITY OF SANTA ANA 1 $ A44,1*. nnifei all " Alvaro Nunez City C1ei. City Manager APPROVED AS TO FORM: SONIA R. CARVALHO City Attorney By: , Ci.utQ.. . 6 v- Laura A. Rossini Chief Assistant City Attorney RECOMMENDED FOR APPROVAL: 4P-A:ijdA4A4A;leA Lori Schnaider Executive Director of Human Resources EXHIBIT A LEGAL SERVICES OVERVIEW ® LegalShield® LegalShield Plan Overview Accessing Your Provider Law Firm To receive legal services, you can call your dedicated provider law firm directly. If you have questions about your plan or accessing your provider law firm, you may contact Member Services at 1-888-807-0407 from 7:00 a.m. —7:00 p.m. CT, Monday-Friday. The Participant and Covered Person will receive the services as outlined in this plan. The services will be provided by lawyers appointed by the Company, who are licensed lawyers (referred to as the Provider Law Firm). All requests for Services must be directed to the Provider Law Firm in your state of residence. For legal matters that arise within the United States and outside your state of residence, the Provider Law Firm may assign a lawyer who is licensed in the appropriate jurisdiction. Who is Covered The participant(employee); participant's spouse/domestic partner; dependent children up to the age of 26. Parents of the participant and/or participant's spouse/domestic partner are also eligible for advice, consultation and document review for covered personal legal matters and can receive the services available to them through the Elder Care Services of this Plan. Services include preparation of a will and a Physicians/Medical Directive. What Services Are Covered The LegalShield plan includes the following covered services: LegalShield Covered Services Advice and Consultation Demand Letter or Phone Call A phone call or a letter to a third party may be made by the provider law firm if it will further assist in the resolution of the personal legal matter. Legal Research This service covers legal research on any personal legal matter. Office Visits This service covers office visits with the provider law firm to discuss a personal legal matter. Office visits are available at an agreed appointment time. Phone Consultation This service covers toll-free phone consultations to discuss any personal legal matter. Document Services Affidavits This service covers advice, consultation, preparation, and review of documents for an affidavit. The covered person must be the affiant. Document Review This service covers review of any personal legal document, such as letters, leases, or purchase agreements. 2 LegalShield Covered Services Family Adoption and Paternity(Contested or Uncontested) This service covers advice, consultation,document review and representation for an adoption of a minor in the United States for the covered person. This service covers advice, document review and representation for a legal determination of paternity in the United States for the participant or spouse. Preparation of any required publication notice or any governmental documentation such as fingerprints and criminal history checks are not part of this service. Administrative Hearing This service covers advice, consultation, preparation and review of documents and representation for the covered person in defense of an adverse governmental action before a local, municipal, county, state, or federal administrative board, agency or commission. Bullying Protection This service covers advice, consultation, document review and letter preparation on behalf of the covered person when a victim of bullying. Bullying is defined as an ongoing aggressive and unwanted behavior for the purpose of this service. Additionally, this service provides defense in administrative hearings for the covered person. Civil and Social Discrimination This service covers advice, consultation and review of documents for the covered person when a victim of differential treatment based on civil and/or social characteristics including age, disability,ethnitity, gender, marital status, national origin, race, religion or sexual orientation. Defense of an adverse governmental action before a local, municipal,county, state, or federal administrative board, agency or commission is covered. Representation as a plaintiff is available at a 25%discount from the provider law firm's hourly rate. Elder Care Matters This service covers advice, consultation, and review of documents for the participant, spouse or the parents of the participant or spouse (including Medicare, Medicaid, Social Security Benefits, Veterans Affairs, prescription plans, nursing home agreements, powers of attorney, Living Wills and Wills). The provider law firm will prepare a simple or complex Will, including a testamentary trust, Powers of Attorney and Physicians/Medical Directive for the participant's parents or the parents of the spouse. This service also covers preparation of a deed involving the parents when the participant or spouse is either the grantor or grantee; and preparation of promissory notes involving the parents when the participant or spouse is the payor or payee.This service does not cover trusts, family matters or court representation of the parents of the participant or spouse. 3 LegalShield Covered Services Gender Rights This service covers the review of government forms, and preparation of affidavits and powers of attorney concerning a gender identifier change, including updates to estate planning documents for the covered person. This service also covers advice, consultation and document review for gender verification, eligibility, and restrictions of athletic and other school related programs. Guardianship/Conservatorship This service covers advice, consultation, preparation and review of documents for the creation of a new guardianship or conservatorship over a person or estate. The named guardian or conservator must be the participant or spouse.This service includes obtaining permanent and/or temporary guardianship or conservatorship, gathering any necessary medical evidence, preparing the paperwork, preparing the initial accounting, and representation in guardianship appointment proceedings. Immigration Assistance This service covers advice, consultation, preparation of affidavits and powers of attorney, review of immigration documents and help to prepare for hearings in immigration-related matters. Incompetency Defense This service covers advice, consultation, preparation and review of documents and representation when the participant or spouse are the subject of a civil competency determination. Juvenile Matters This service covers advice, consultation, preparation and review of documents, and representation of a covered person in juvenile matters, unless there is a conflict of interest between the participant and the dependent child. In the event of a conflict, or where the court requires separate counsel for the child,this service provides a lawyer for the participant only. Matters in which a juvenile is charged as an adult are not part of this service. Name Change This service covers advice, consultation, preparation of documents and pleadings and representation at court hearings for a legal name change for a covered person. Preparation of any required publication notice and any governmental documentation such as fingerprints and criminal history checks are not part of this service. Nursing Home Agreements This service covers advice, consultation and document review regarding nursing home agreements and how the agreement that the covered person's parent(s) has entered into may impact them. 4 LegalShield Covered Services Pet Protection This service covers advice, consultation and review of documents for the covered person related to pet legal rights including animal bites, emotional support animal registration, HOA requirements, landlord/tenant issues, pet custody and debt collection matters such as veterinary bills. Postnuptial Agreements/Domestic Partnership Agreements This service covers advice, consultation, preparation, negotiation, and review of documents when the covered person needs a postnuptial agreement or domestic partnership agreement. These agreements may not be applicable in all states. Prenuptial Agreements This service covers advice, consultation, preparation, negotiation and review of documents when the covered person needs a prenuptial agreement. Protection from Domestic Violence This service covers advice, consultation, preparation and review of documents and representation of the covered person when he or she seeks to be protected by a victim protection order. Reproductive Matters This service provides advice, consultation, review of documents and preparation of documents for the participant or spouse on reproductive matters, including surrogacy, egg donation, sperm donation, gamete donation, embryo donation and embryo adoption. Representation is available at a 25% discount from provider lawyer's hourly rate. Home Boundary or Title Disputes This service covers advice, consultation, preparation and review of documents and representation for the covered person as a defendant in a boundary, title dispute, mechanics lien or eminent domain proceeding involving their primary or secondary residence. This service is not available when coverage is available under his/her homeowner or title insurance policies. Deeds This service covers advice, consultation, preparation and review of documents related to real property deeds, when the covered person is purchasing or selling a primary or secondary home. 5 LegalShield Covered Services Easements This service covers advice,consultation, preparation and review of documents and representation for the covered person as a defendant in a dispute related to an easement connected to their primary residence. Eviction and Tenant Problems(Primary Residence-Tenant Only) This service covers advice, consultation, preparation and review of documents and representation for any covered person, 18 years of age or older, arising out of a residential lease. This includes security deposits, leases, disputes with a landlord, and property damage claims.The covered person must be the defendant. It does not include representation in disputes with other tenants. Foreclosure This service covers advice, consultation, preparation and review of documents and representation for the covered person in a court proceeding for foreclosure of their primary or secondary home. He or she must be the defendant. Home Equity Loan Services This service covers advice, consultation, preparation and review of documents for any home equity loan of the covered person for their primary or secondary home. He or she must be the mortgagor, borrower or buyer. Mineral Rights Assistance This service covers advice, consultation and review of documents concerning a gas or oil lease for the covered person's primary or secondary residence and any property purchased with the intent to develop for personal use. Mortgage Document Services This service covers advice, consultation, preparation and review of documents for any residential mortgage documents of the covered person for their primary or secondary home. They must be the mortgagor, borrower, or buyer. Mortgage document services include representation of the covered person in connection with a real estate closing if customary. The service includes review of and advice on an abstract, preliminary title reports or a title opinion,and matters necessary for clearance of title or for the sale or purchase of a primary or secondary home. The cost of title insurance is not included. The service does not include services provided by a lawyer representing a lending institution or title company. Property Tax Assessments This service covers advice, consultation, preparation and review of documents and representation for the covered person in a legal proceeding concerning property tax assessments and property evaluations related to his or her primary residence. This includes filing required paperwork, gathering evidence, and negotiating a settlement. 6 LegalShield Covered Services Refinancing of Home This service covers advice, consultation, preparation and review of documents for any refinance loan of the covered person for their primary or secondary home. He or she must be the mortgagor, borrower, or buyer. This service does not include the refinancing of a second home,vacation property or property that is held for any rental, business, investment, or income purpose. The service does not include services provided by a lawyer representing a lending institution or title company. Sale or Purchase of Home This service covers advice, consultation, preparation, and review of documents(including the construction documents for a new home,the purchase agreement, mortgage,and deed), relating to the purchase or sale of a primary or secondary residence or property to be used for building a primary or secondary residence by the covered person. The service also includes attendance of a lawyer at closing If customary. The service includes review of and advice on an abstract, preliminary title reports or a title opinion, and matters necessary for clearance of title or for the sale or purchase of a primary or secondary home. The cost of title insurance is not included.The service does not include leases with option to buy or services or documents provided by a lawyer representing a lending institution or title company. Security Deposit Recovery(Tenant Only) This service covers advice, consultation, preparation and review of documents and write letters for any covered person, 18 years of age or older, to recover a security deposit from a residential landlord for the primary residence. It also covers assistance for the covered person in prosecuting a small claims action; helping prepare documents; advising on evidence, documentation, and witnesses; and preparing the covered person for the small claims trial. The service does not include the provider law firm's attendance or representation at a trial, collection activities after judgment, or any services relating to post-judgment actions or appeals. Zoning Applications This service covers advice, consultation, preparation and review of documents and representation for the covered person before a zoning authority for a personal zoning application for a primary residence. 7 LegalShield Covered Services Finance Civil Litigation This service covers advice, consultation, preparation and review of documents, and representation for the Covered Person in arbitration proceedings or civil proceedings before a local, municipal, county, state, or a federal trial court of general jurisdiction. He or she must be the defendant. The Service provides advice and document review for matters where the Covered Persons are the plaintiff. Collection Letters This service covers advice, consultation, review of documents and preparation of letters on behalf of the covered person to collect on amounts payable to them for personal collection matters. Consumer Bankruptcy This service covers advice, consultation, preparation and filing, review of documents and representation for the covered person as a debtor in a consumer bankruptcy.This service is not available if a creditor is affiliated with the sponsor or employer, even if the employee or spouse chooses to reaffirm that specific debt. Consumer Credit Services This service covers advice, consultation, review of the covered person's credit report for possible errors, and file credit disputes with the credit bureaus for the covered person to help remove derogatory information negatively impacting credit. Consumer Protection This service covers advice, consultation, preparation and review of documents and representation of the covered person in court in disputes over consumer goods and services where the amount being contested exceeds the small claims court limit in that jurisdiction and is documented in writing. This service does not include representation for construction, real estate, insurance matters or collection activities after a judgment. Garnishment This service covers advice, consultation, preparation and review of documents and representation for the covered persons for their wage or earnings garnishment. He or she must be the defendant. 8 LegalShield Covered Services Habeas Corpus This service covers the covered person for the preparation of all paperwork needed, and attendance at the hearing to pursue a habeas corpus proceeding to obtain the release of a covered person who is being unlawfully imprisoned. Identity Theft This service covers advice, consultation and review of documents regarding potential creditor actions against the covered persons resulting from identity theft. This includes the provider law firm's legal services as needed to contact creditors, credit bureaus and financial institutions. It also provides defense services for specific creditor actions over disputed accounts. The defense services include limiting creditor harassment and representation in defense of any action that arises out of the identity theft, such as foreclosure, repossession, or garnishment, up to and including trial, if necessary. The service also provides the covered person information about identity theft and protection. Personal Injury Matters The provider law firm may handle personal injury matters for any covered person on a contingency fee or other agreed-upon basis when he or she is the plaintiff. Personal Property Protection This service covers advice, consultation and review of documents regarding the covered person's personal property matters such as consumer credit reports, contracts for the purchase of personal property, consumer credit agreements or installment sales agreements. Promissory Notes This service covers advice, consultation, preparation and review of documents related to a promissory note for a covered person. Repossession This service covers advice,consultation, preparation and review of documents and representation for the covered person in a legal proceeding for repossession of their personal property. He or she must be the defendant. Small Claims Assistance This service covers advice, consultation, preparation and review of documents and representation for the covered person,as a defendant, in a court proceeding for matters involving an appearance in small claims court. The service provides advice and document review for matters where he or she is the plaintiff. 9 LegalShield Covered Services Tax Audit and Collection Services This service covers advice, consultation and representation of the covered person when notified in writing by any federal, state,or local taxing authority of an audit, investigation, or exam of his or her tax return. These services include a written request to appear at the offices of a federal, state, or local taxing authority about his or her tax return. Garnishments, attachments, appeals, or any other post judgment relief actions are not covered. Trust returns, business or corporate tax returns, payroll and related returns are not covered. Charges of tax fraud or income tax evasion are not covered. This service does not include prosecuting a claim for the return of overpaid taxes or the preparing of any tax returns. Will and Estate Planning Executor Appointment This service covers, advice, consultation and document review for the covered person when they have been appointed Executor as the estate of a deceased person. Document review is limited to the Last Will and Testament of the deceased. Living Will or Physician's Directive A Directive to Physician or Living Will can be prepared for the covered person. Power of Attorneys This service covers a Power of Attorney for any Covered Person who are the principal. A Durable Power of Attorney is included in this service. Probate This service covers advice, consultation and review of documents for the probate of a Will. To receive this service the covered person must be the named executor. Advice, consultation and document review is also provided for all covered persons concerning beneficiary rights, funeral arrangement documents, debt collection and other related estate matters. In accordance with applicable law and court rules,the provider law firm will provide coverage for probate matters at a 250/0 discount. All fees, court costs and the retainer fee is the responsibility of the covered person. Trusts This service covers advice,consultation, preparation, and review of documents related to a revocable or irrevocable living trust in which the covered persons are the settlor.This service also covers special needs trusts for the participant or spouse's dependent children. This service does not include tax advice,financial planning, estate tax planning or services associated with funding a trust after it's created. io LegalShield Covered Services Wills and Codicils This service covers preparation of a Will or Codicil for any covered person. Estate tax planning is not included. These services do not include the distribution of any assets outside of the United States. Motor Vehicle Moving Traffic Violations This service covers advice, consultation, negotiation, review of documents and representation of the covered person in court for all misdemeanor and non-criminal moving traffic violations. Motor Vehicle Property Damage This service covers assistance up to, but not including the filing of a lawsuit to collect all property damage claims. These services are for property damage incurred due to a vehicle, owned by a covered person, being struck by any motor vehicle. Reinstatement The provider law firm will provide legal assistance to reinstate or maintain a driver's license due to job-related matters or medical reasons. Suspended Driver's License Assistance When a driver's license has been suspended or revoked for any reason by the issuing authority the provider law firm will advise and represent the covered person. In this situation, a right to appeal must be provided by statue. LegalShield Covered Services Additional Benefits 24/7 Emergency Legal Access This service covers toll-free access to the provider law firm on a 24-hour-a-day basis for the following emergencies,when the participant is: 1)detained by law enforcement; 2)seriously injured in an accident; or 3) served with a search warrant. Call the toll-free emergency number at 1-877-825-3797 to speak with Customer Care,who will connect the participant with the provider law firm. Phone access is subject to conditions set by the detaining or questioning authority,which may keep the provider law firm from speaking with the participant. Any other service is available 8:30 a.m. - 5:00 p.m. 25% Discount For all personal legal matters that are not fully covered by this Plan, the covered person may be eligible for services at a 25% discount off the provider law firm's standard hourly rate. This does not apply to contingency fee matters or flat fee arrangements, which may be negotiated at a separate rate with the provider law firm. The 25%0 discount is available except in those instances listed in General Provision F of this Plan. Free Legal Forms Participants have access to online legal forms that focus on many of today's most common legal concerns. Mobile App The participant can directly call their provider law firm, as well as upload traffic tickets and other legal documents directly to the provider law firm through the LegalShield mobile app. A desktop version of the mobile app is also available. 12 LegalShield Covered Services Service General Provisions and Definitions A. Entire Agreement: This Contract is the entire agreement between the Participant and the Company. B. Availability of Services: A covered person is entitled to the services outlined in this Contract only to the extent such services are available and permitted by the laws of the state having jurisdiction over the legal matter. C. Provider Law Firm's Professional Judgment: It is in the sole discretion of the provider law firm to determine whether claims or defenses, pertaining to any matter under this Contract, are frivolous or otherwise unmeritorious, including decisions to take any contingency case, appeal any judgment, or appeal any decision. The provider law firm reserves the right to make independent professional judgments about the provision of any services under this Contract. The Company will in no way influence or attempt to affect the rendering of professional services by the provider law firm. D.Attorney-Client Contract and Representation: Any payment of additional costs or payment of a retainer to the provider law firm to cover reasonable anticipated legal services not covered by the Plan, shall be subject to the terms of an attorney-client contract. The Company is not a party to this attorney-client contract. This attorney- client contract is to be agreed upon by the covered person and the provider law firm prior to the time services are rendered. Any retainer and/or additional costs to be incurred shall be at the sole discretion of the provider law firm. When applicable, eligibility for receipt of services under the Plan is contingent upon payment of such retainers and additional costs prior to commencement of legal representation. The provider law firm has no duty or relationship under this Plan beyond the specified services. E.Geographical Area of Coverage: This Plan only provides for services in the 50 states of the United States, except where prohibited. F. General Exclusions: The following items are specifically excluded from this Plan, are not eligible for the 25% Discount, and shall not be interpreted as included services under any provision of the Plan: 1. Any matter Involving any covered person which arises as a result of business matters or interests (regardless of the form of the entity), including but not limited to: a.Ownership, management, or association with a business, partnership, corporate entity, or trust. b.Any income producing property or venture regardless of the full-time or part-time nature. 2. The payment of fines, court costs, filing fees, ad litem fees, penalties, expert witness fees, bonds, bail bonds, and any out-of- pocket expenses. 3. Any matter involving a person or entity who starts or takes part in a lawsuit against the Company or any of its subsidiaries or affiliates, or any matter Involving a person or entity that is named as a defendant or respondent in a lawsuit started by the Company or any of its subsidiaries or affiliates,shall be specifically excluded from receiving any of the Services of this Plan, during the pendency of such lawsuit or until its resolution. 4. Any matter, issue, consultation, action, proceeding, or dispute between the Covered Person and the Provider Law Firm or the Covered Person and the Company or the Covered Person and the Employer. 5. Any matter which the Provider Law Firm determines is resolved or has been raised an unreasonable number of times without substantial change of circumstance. 6. Any matters which are covered by any insurance policy or any other legal service plan. 7. Any matters related to Native or First American tribes and tribal governments including but not limited to legal issues before federal, tribal, and/or state courts, administrate bodies, arbitration panels or arbitrators, tribunals and/or hearing panels, judges, or officers. 13 LegalShield Covered Services 8. Employment-related matters, including Employer or statutory benefits. 9. Matters relating to patent, trademark, and copyright. 10. Any matter if the Covered Person is representing or preparing to represent themselves pro se. 11. Matters for which an attorney-client relationship existed prior to the covered person becoming eligible for Plan benefits. 12. Matters arising from the work-place or other work related issues that pertain to Covered Person/Covered Person and/or Covered Person/Employer conflict. G. Discount Benefit for non-covered services. The following services are not covered by the Plan; however, the 25% Discount Service may apply after the Advice and Consultation services have been provided for the following, but not limited to: 1. Class actions, amicus curiae filings or interventions. 2. Attachments, collections, appeals or any other post-judgment relief action. 3. Counter claims, cross claims, and third-party claims. 4. Matters where the Participant is acting on behalf of, or representing another party (for example: executor, administrator, guardian, trustee) except where specifically provided otherwise. 5. Matters in which the Participant is a Plaintiff or Claimant, except where specifically provided otherwise. 6. Matters relating to family law, except as specifically provided under Family and Domestic Related services, including litigation related to prenuptial agreements. 7. Matters relating to bankruptcy law, except as specifically provided under Finance services. 8. Abstract, preliminary title reports or,a title opinion. 9. Any matter resulting in criminal penalties, felony charges or it Is alleged that the Participant is under the influence of or Impaired (DUI/DWI) from using alcohol, intoxicants, medicines whether prescribed or not,controlled substances or chemicals 10. Any matter related to charges that Participant is driving without a valid driver's license or statutorily required insurance. 11. Any ongoing hearings or actions that must be filed in a different court for reconsideration or review. 12. Any matter that arises while driving a Commercial Vehicle. 13. Responsive affidavits and accounting proceedings in guardianship matters. 14. Representation of the Participant in a hearing or proceeding on immigration matters. 15. Representation of a Participant in a probate matter. H. Conflict for Services: For any matter where a conflict arises between a Participant and a covered person, only the Participant is entitled to services. I.Duplication of Coverage: A covered person may not secure services from the provider law firm for the same matter under more than one contract and is not entitled to the services of more than one provider law firm on the same matter. J. Cancellation or Non-renewal of Plan: The Company may cancel this Plan for misrepresentation or fraud. The Company may cancel this Plan if the provider law firm determines that access to and necessary interaction with the Participant is severely limited. The Company may cancel this Plan if the provider law firm determines that the Participant is unable, unwilling, or incapable of accepting or understanding legal advice and services. The Company will provide written notice to the Participant of any such cancellation. The Company may cancel this Plan for non-payment of Membership fees by providing written notice to the Participant 10 days prior to the cancellation date. If the Company cancels the Plan, services will only be provided for those events reported in writing to the provider law firm during the Eligibility Period. 14 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 LegalShield Covered Services R. Release of Information: If a covered person files a complaint with the Company about a provider law firm and requests help,the covered person authorizes the provider law firm to share to the Company all communications between the covered person and the provider law firm that are relevant to the complaint. A covered person should contact Participant Services at 1-800-654-7757 with a complaint. A written release may be required by the provider law firm prior to the disclosure of any communications between the covered person and the provider law firm. S. Adequate and Timely Notice: The failure by the covered person to timely send to the provider law firm adequate facts, necessary documents, authorizations, or act per the instructions of provider law firm shall make any obligation of the provider law firm to provide the services null and void. T. Prevailing Language: The English language version of this Plan shall be controlling in all respects and shall prevail in case of any inconsistencies with translated versions, if any. 16 Definitions A. Commercial Vehicle: A Commercial Vehicle is any motor vehicle being driven by a Covered Person for commercial or income-producing purposes. B.Company: Shall refer to LegalShield. C. Contract: This legal service contract, (referred to as "Plan" throughout the contract) which includes any endorsements or supplements, between the Company and the Member. D.Covered Person: Shall include: The Employee ("Member"or Participant"). If the employee chooses family coverage, the following are also entitled to benefits, unless provided otherwise in the Plan: The Member's Spouse (referred to as "Spouse" throughout the Plan). Any dependent children of the Member, or Spouse, under 26 years of age. Children under 18 years of age for whom the Member, or the Member's Spouse, is the legal guardian. Any Dependent, regardless of age, who is physically disabled or mentally incapacitated resulting in an inability to make legally binding dedsions. E.Consumer Credit Issue: Credit issues of a personal nature relating directly to the Covered Person induding, but not limited to, credit reporting matters and debt issues. F.Dependent: The natural or adopted child of the Member, or Member's Spouse, unless otherwise stated in this Plan. G. Detained: Being restrained, searched, or deprived of instant freedom by a Law Enforcement Officer. H. Effective Date: Effective Date is the start date of the Plan. I.Eligibility Period: The period that starts on the Effective Date of the Plan and ends on the date the Plan is terminated, cancelled, nonrenewed, or expires. J. Law Enforcement Officer: Any agent of any federal, state, or local law enforcement agency acting in the course and scope of such person's employment. This includes any private security personnel acting in the course and scope of his or her employment. K. Licensed Motor Vehicle: A vehicle, which is properly licensed, insured, registered, and inspected. The vehicle must have safe operating equipment. A Commercial Vehicle is not included in the definition of a Licensed Motor Vehicle. L. Member: The person to whom this Plan is issued, who shall be a natural person. The Member must be a citizen or legal resident of the country in which this Plan is issued. 17 M. Member's Spouse: The legal spouse or domestic partner of the Member as allowed by the Member's employer. N. Membership Year: The period starting on the Effective Date of the Plan and ending one year after. 0.Pre-Trial Time: Provider Law Firm time rendered prior to the date of jury selection, or prior to the date of opening statements if a non-jury trial. P. Provider Law Firm: The Provider Law Firm is a lawyer or law firm who has contracted with the Company to provide the Services in this Plan in the Member's primary state of residence. The Provider Law Firm or the Company, under certain circumstances, may refer matters to a referral lawyer (a "Referral Law Firm"). Referral Law Firm and Provider Law Firm may be collectively referred to in this Plan as the Provider Law Firm, Q.Services: The legal services outlined under the title What Services Are Covered, unless otherwise excluded by this Plan. R.Standard Hourly Rate: The hourly rate charged by the Provider Law Firm to non-Covered Persons for a certain legal service. S.Trial Time: Provider Law Firm time rendered starting with the date of jury selection, or the date of opening statements if a non-jury trial, and ending on the date of the verdict, bench decision or other conclusion. T.Uncontested: All issues are agreed upon by both parties and where legal counsel does not represent the Member, the Member's Spouse, or any other Covered Person. Both parties must agree on all issues in writing without assistance from the Provider Law Firm. U.Contested: Issues cannot be agreed upon by all parties and the Member or the Member's Spouse are represented by legal counsel in a judicial proceeding to challenge or defend against an adverse position. Marketed by: Pre-Paid Legal Services,Inc.®and subsidiaries; Pre-Pald Legal Casualty,Inc.;Pre-Paid Legal Access,Inc.; LS,Inc.; and PPL Legal Care of Canada Corporation. US BU NP LS PR EN BenefitOvervlews Base25 v1 031424 19 EXHIBIT B IDENTITY THEFT OVERVIEW IDShield- IDShield Plan Overview Accessing Identity Theft Services To receive identity theft consultation and restoration services, call 888-494-8519. For questions about the plan, contact Member Services at 1-888-807-0407 from 7 a.m. CT—7 p.m. CT, Monday— Friday. For emergency after hours support call 1-866-696-0927. Who is Covered The IDShield Individual Plan covers the participant (employee). The IDShield Family Plan covers the participant (employee), participant's spouse/partner, dependent children under the age of 26 and dependent parents. Dependent children ages 18-26 and dependent parents of the participant or participant's spouse/domestic partner are eligible for consultation and restoration services only. Monitoring services are not available for dependent parents and dependent children ages 18-26. A dependent parent is defined as an adult parent that 1. Lives in the home of the participant/participant spouse, 2. Resides in a care facility or 3. The participant/ participant's spouse has a durable power of attorney for the parent. What Services Are Covered The IDShield plan includes the following covered services: IDShield Covered Services Restoration Services $3 Million Identity Fraud Protection Plan IIDShield provides a $3 Million Identity Fraud Protection Plan, provided by a leading national carrier. This policy provides reimbursement for expenses and financial losses incurred as a result of identity theft—such as: • Lost Wages • Cash Recovery for Stolen Funds from Unauthorized Electronic • Travel Expenses Fund Transfers(subject to a$1 million sublimit)* • Elder and Child Care • Loss from Financial Accounts Including 401ks and HSAs(subject to a $1 million sublimit)* • Initial Legal Consultation *This coverage Is part of and not in addition to the Expense Reimbursement.See • Certified Public Accountant Costs a Protection Plan for corrplete terms,coverage,conditions, limitations, and family members who are eligible under the Protection Plan. Full-Service Restoration If an identity theft event does occur, our Licensed Private Investigators will do whatever it takes for as long as it takes to restore a participant's identity to its pre-theft status. The investigator will work on a participant's behalf to resolve the issue by working with the appropriate government agencies, financial institutions, credit bureaus and collection agencies. No other company offers this high level of professional service. With the IDShield Family plan, restoration services are provided to dependent children aged 18-26 and dependent parents of the participant and/or participant's spouse/domestic partner. As part of the restoration process,the assigned LPI will: • Organize details of open identity theft issues and search for other instances of identity theft. • Review with the participant their credit history and verify if fraud includes items such as: —Public records (liens, judgments, bankruptcies) — Credit accounts (new and/or derogatory) —Addresses —Prior employment • Explain the participant's rights, process and responsibilities involved. • File fraud alerts and disputes with reporting agencies and creditors as needed. • Obtain a Limited Power of Attorney authorization, which allows the LPI to take actions on behalf of the participant. Authorized as a Limited Power of Attorney, the assigned LPI can then: —Issue a fraud alert to all three credit bureaus. — Notify the Social Security Administration (SSA). —Notify the Federal Trade commission(FTC). —Notify the U.S. Postal Service(USPS). —Work directly with financial institutions and credit card companies to resolve any disputes. Throughout the restoration process, the Licensed Private Investigator will provide status updates and ensure the participant's identity will be restored to its pre-theft status. 21a IDShield Covered Services Licensed Private Investigators Participants have access to consultation services provided by our Licensed Private Investigators. If a participant experiences an identity theft event, one of our investigators will walk them through their issues with one-on-one advice tailored to the specific situation. Participants will have access to an assigned and dedicated investigator throughout the restoration process. All Licensed Private Investigators are licensed in the state of Oklahoma. Our Investigators'credentials include: • Fair Credit Reporting Act (FCRA) Certified • Certified Identity Theft Risk Management Specialist (CITRMS) • Certified Credit Scoring Specialist(CCSS) • Certified Credit Report Reviewer(CCRR) Monitoring and Detection Address Change Monitoring IDShield monitors participants'address history in the United States Postal Service through the National Change of Address database, providing an 18-month snapshot of the nearly 40 million Americans who move each year. This service scans for change of address requests and sends a notification if participant information appears in the database. Application Alerts For certain types of account applications, third parties will take participants' information, compare it to public records and return a fraud score. IDShield scans a national ID verification database to determine if a new account application has been submitted with participants' information. We continuously monitor to see if any new accounts or transactions appear. Auto-Monitoring IDShield's auto-monitoring provides participants with monitoring services directly on the effective date of the plan. Using the participant's full or partial Social Security Number (SSN), name, address and date of birth provided at time of enrollment, the participant's identity is automatically monitored. During account activation, participants are encouraged to provide further information to enable the full monitoring services the plan provides. To activate their account, participants will be asked two questions about their credit history to successfully authenticate their account and confirm their identity. 3 l s IDShield Covered Services The following services are available for auto-monitoring: • Credit Monitoring • Dark Web and Internet Monitoring • Court Records Monitoring • Public Records Monitoring • Address Change Monitoring Only the named participant is subject to auto monitoring. Spouse and dependent child monitoring will require separate set-up by accessing the participant portal. Child Monitoring With the IDShield Family Plan, well monitor dependent children under the age of 18. Participants receive an alert if their child's SSN is used to create any new accounts or included in credit applications, loans, court documents, etc. Continuous Credit Monitoring IDShield provides 3 credit bureau monitoring (Experian, Equifax and TransUnion). Lenders, creditors and many businesses check and submit data to go on credit reports. If changes or inquiries are made, participants will receive an instant alert. IDShield continuously monitors the participant's credit bureau report(s) for the following: • Delinquent Account • Participant Noted as Deceased • New Address • Fraud or Victim Statement • New Tradeline • Bankruptcy • Settlement • Liens and Judgments • Card Over Limit • New Employment • Lost or Stolen Card • New Collection Court Records Monitoring IDShield can determine if a participant's identity is associated with a criminal act by monitoring court records connected to their narne, SSN and date of birth. Criminals can fraudulently use stolen identities,causing the victim's information to falsely appear on citations, arrest records,felonies, traffic offenses and convictions. IDShield monitors millions of dockets from the Administration of the Courts, the Department of Corrections, county courts and other legal agencies in search of participant data. If a match is found, the participant will receive an alert with the details. Credit Threat Alerts IDShield monitors for changes or updates found on the participant's credit report(s) in real time. We pull data from over 200 million files that represent nearly every credit active consumer in the United States. 4l IDShield Covered Services Dark Web and Internet Monitoring Billions of records are for sale on the dark web, so real-time monitoring is vital. IDShield's dark web and Internet monitoring provides extensive scans of online sources for identity data and sends participants real-time alerts if their PII is found. IDShield reviews thousands of websites and data points across the dark web to see if participant information has been exposed. We monitor the following: • Rank Account Numbers • Gamer Tags • Passport Number • Credit/Debit/Retail Card Numbers • Investment Account Numbers • Phone Numbers • Cryptocurrency Wallets • Mailing Address • Social Security Number • Date of Birth • Medical ID Numbers • Username and Password Combinations • Driver's License Number • Mother's Maiden Name • Full Name • National Provider Identifier Number Deceased Family Monitoring IDShield provides deceased family member monitoring for both a deceased spouse and a deceased child. For a deceased spouse added to the plan prior, we will monitor their PII and SSN on the Dark Web and provide Court Record Monitoring. If the spouse was added to the plan after they have become deceased, we will monitor their SSN on the Dark Web. For a deceased child we will monitor their SSN on the Dark Web. Financial Account Monitoring and Alerts IDShield monitors participants'financial accounts including credit cards, checking, savings, 401k, 403 (b), 457 accounts, loans and more for any discrepancies. Participants will receive alerts notifying them of financial withdrawals, balance transfers and large purchases on financial accounts, if a transaction is made outside of a set monetary amount. We also will list the most recent financial transactions and detect reoccurring payments which can be viewed as subscriptions. High Risk Application and Transaction Monitoring Financial institutions use specific technology to verify the identity of new account holders before processing high-risk transactions. IDShield monitors these processes to determine if details for a new bank account or large money transfer are associated with a participant's personal data. Our application and transaction monitoring can potentially catch identity theft 90 days faster than traditional credit monitoring alone. Furthermore, IDShield can better secure a participant's online financial records by monitoring unauthorized use of username and password combinations used for online banking or insurance accounts. This service monitors processes related to: • Instant Credit Applications • Customer Payment Activity • Buy Here/Pay Here Auto Loans • Financial Account Updates • Online W-2 Access • Enhanced Sub-prime loans • Credit Line Increases • Online Prescription Management • Rent-to-own applications • Money Transfers • Fund Transfers • Telecom Account Applications • Activity on New Accounts • Auto pawns/Title Pawn 5 I c� IDShield Covered Services Identity Threat Alerts Participants receive an alert via email or push notification on the IDShield mobile app if their information is found online. Alerts contain details on the threat, including links to where the exposure occurred — giving participants the opportunity to look over the information to either dismiss the notification or escalate the issue with our Licensed Private Investigators. Instant Hard Credit Inquiry Alerts Credit report inquiries are created when a participant's PII is used to apply for bank/credit cards, utility or rental query or many types of loans— including home, auto, business, mortgage, home equity or student loans. IDShield notifies participants when their information appears on these reports, empowering them to take action if their data has been exposed by reviewing the alert with an investigator. Monthly Credit Score Tracker The credit score tracker gives participants the ability to watch their Experian credit score on a monthly basis with a map that shows a 12-month historic view of their credit trends from the past year—beginning when the service was first activated. Payday Loan Monitoring IDShield provides non-credit loan monitoring for short-term payday or similar cash advance loans. We screen online, rent-to-own and payday lender storefronts for unauthorized activity. Public Records Monitoring IDShield monitors over 78 billion public record reports from more than 10,000 diverse sources to screen for 34 different pieces of PIT — including name, address, phone number, email, SSN and more. The records contain the public, private and regulated data of over 283 million U.S. consumers which are checked for matches of participant information. These reports include details on: • Bankruptcy • Tax Assessor Records • Motor Vehicle Records • Residencies • Driver's License Records • Lease History • Criminal Records • Registrations • Business Licenses • Deeds 6It IDShield Covered Services Sex Offender Monitoring and Alerts Participants can learn if a registered sex offender lives near them. They'll also receive alerts when a new offender moves into their neighborhood, out of their neighborhood or if someone in their neighborhood becomes registered. Participants can search within a five-mile radius of their home address. With sex offender search, participants can: • View sex offender details. • Search using an adjustable radius of their home address. • Receive alerts when a sex offender moves nearby. Sub-Prime Monitoring Sub-prime monitoring searches transaction data for rent-to-own, buy-here pay-here auto dealers,title pawn and sub-prime loan applications. Participants will be notified when new transactions are discovered. Telecom Monitoring IDShield monitors phone number history associated with an individual, as well as any phone number changes with a database of more than 1.2 billion landlines and mobile phones to assure participants that their phone number is not being redirected. Username/Password (Credentials) Monitoring IDShield monitors the Internet for instances where a participant's username and password credentials have been exposed. When these are found together online, it presents a strong indication that their online accounts have been compromised. The service continuously scans for a participant's username/password combinations and will alert the participant with details so they can follow up and change their login information on any accounts that use the exposed credentials. When a monitored email is found on the Dark Web, participants will also have the option to view the password, after an email verification process, found associated with the monitored email address(es). 7 la, IDShield Covered Services Online Privacy and Reputation Management Anti-Malware Protection IDShield's Maximum Security protection from Trend Micro, uses cloud-based AI technology to deliver highly effective and proactive protection against ever-evolving malware infections. As part of this protection, we provide a folder shield that limits access to important files and folders and can prevent ransomware from maliciously encrypting these files and Pay Guard, a protected web browser that adds an extra layer of protection when banking or shopping online. The IDShield Individual Plan provides protection for up to three devices and the IDShield Family Plan provides protection for up to 15 devices. System Requirements:Windows Operating Systems:Microsoft©Windows®7(all versions)with Service Pack 1(SP 1)or later,Microsoft®Windows®B.1(all versions), Microsoft®Windows®10(Windows IOS and ARM processors only supported by IDShield Endpoint Antl-Malware on Microsoft®Store).Mac Operating Systems:Apple® macOS 10.14 to 10.15 and macOS11 Big Sur,Chrome OS Operating System:Chrome 0S 79 or higher(Chromebooks only supported by IDShield Endpoint Anti-Malware on chrome Web Store),Android Operating Systems:Android 4.1 or later.IOS Operating Systems: 105 9 or later.64-bit device required for latest version. Cyberbullying Protection If any covered participant is being bullied, online or face-to-face,we will connect them to local agencies/ authorities, school administrators and counselors and provide guidance on how to navigate the situation and reduce the impact of bullying on the victim. Data Broker Site Management With our reputation management service, participants can learn how to remove their personal information from data broker sites such as Whitepages, Instant Checkmate, Spokeo, among others. Mobile Security IDShield's mobile security from Trend Micro provides protection from ransomware, potentially dangerous and harmful websites, unsafe Wi-Fi networks, and more. Participants can even track, lock, and/or wipe a lost or stolen device. System Requirements:Android Operating Systems:Android 4.1 or later.IOS Operating Systems:IOS 11 or later,IPadOS 13.0 or later.64-bit device required for latest version. B I IDShield Covered Services Online Parental Controls IDShield's maximum security protection from Trend Micro allows participants to set parental controls and content filters to monitor and block what web pages can be viewed, and schedule specific timeframes for when their children can browse the web. System Requirements:Windows Operating Systems:Microsoft®Windows@ 7(all versions)with Service Pack 1(SP 1)or later,Microsoft®Windows®8.1(all versions), Microsoft®Windows@ 10(Windows IOS and ARM processors only supported by IDShield Endpoint Antl-Malware on Microsoft®Store).Mac Operating Systems:Apple® macOS 10.14 to 10.15 and macOSll Big Sur,Chrome OS Operating System:Chrome OS 79 or higher(Chromebooks only supported by IDShield Endpoint Anti-Maiware on Chrome Web Store),Android Operating Systems:Android 4.1 or later.IOS Operating Systems:10S 9 or later.64-bit device required for latest version. Online Privacy Management IDShield provides consultation and guidance on ways participants can protect their privacy and Personally Identifiable Information across the internet and on their smart devices. Our certified and Licensed Private Investigators provide unlimited consultation on how to switch to easy-to-use and privacy-conscious alternatives to well-known software such as Google search, Gmail, Facebook, and Amazon. We will provide step-by-step advice and consultation to participants on how to take control of their online privacy by showing them how to: • Delete unused online accounts • Delete unused software on their computer • Delete unused apps from their mobile phone • Remove data from public records sites(Intelius, • Audit third-party app access to personal MyLife, Beenverified, etc.) information • Reset and recycle(or donate) unused devices • Ensure their browser isn't tracking them (mobile, PC) IDShield's identity theft specialists also provide anti/cyberbullying, password, and privacy management consultation for: • Data broker sites (Spokeo, MyLife, etc.) • Online browsers(Brave, Ghost,etc.) • Social media platforms(Facebook, LinkedIn, • Smart TVs Twitter, Instagram and YouTube) • Password management services • Voice assistance devices(Alexa, Google,etc.) Online Privacy Settings Management Our reputation service allows participants to control their privacy settings across multiple platforms. Password Manager IDShield's password manager from Trend Micro allows participants to create strong and unique passwords and safely secure them. The password manager can identify weak passwords and change them with unique, tough- to-hack passwords. The IDShield Individual Plan provides one password manager license and the IDShield Family Plan provides six password manager licenses. Windows Operating Systems: Microsoft®Windows@ 7(all versions)with Service Pack 1(SP 1)or later,Microsoft@ Windows®8.1 (all versions).Microsoft®Windows©10 (all versions).Edge browser not supported.Mac Operating Systems:Apple®macOS 10.12 to 10.14,Android Operating Systems:Android 5.1 or later.IOS:IOS 11.0 or later. 64-bit device required for latest version. 9 I <> IDShield Covered Services Reputation Management IDShield's reputation management service allows the participant to scan their social media accounts including Facebook and X,formerly known as Twitter,for existing content that could be damaging to their online reputation. Participants will be notified of old accounts and high-risk posts and images, and will have the ability to review and the choice to remove flagged content for their personal accounts. IDShield's Family Plan provides this service to both the participant and the participant's spouse. Reputation Score A reputation score is provided based on content and photos found on scanned social media accounts.Tips to improve the participant's score are provided along with social posts and photos that were flagged as part of the scan, Participants will have the option to review flagged content and remove content from their personal accounts to improve their score. Social Media Monitoring IDShield monitors the participant's Facebook, X, formerly known as Twitter, YouTube, LinkedIn and Instagram accounts to see if personal information has been exposed through image captions, posts and comments. Participants will be notified if their social content presents reputational risks such as foul language, drug references or discriminatory terms. Participants can control the sensitivity level of their alerts based on options chosen in their account settings - including categories for profanity, violence and more. IDShield's Family Plan allows both the participant and the participant's spouse as well as their dependent children under the age of 18 to also monitor their social media accounts. VPN Proxy One IDShield's Virtual Private Network (VPN) Proxy One from Trend MicroTM utilizes bank-grade data encryption to prevent a participant's incoming and outgoing internet traffic from being tracked, hacked or censored. It turns a public hotspot into a secure Wi-Fi. The IDShield Individual Plan provides protection for up to 3 devices and the IDShield Family Plan provides protection for up to 15 devices. System Requirements:Windows Operating System:Microsoft®10 RS3 and above,Mac Operating Systems:Apple®macOS 10.12 and above,Android Operating Systems:Android 5.X and above,IOS Operating Systems: ios 9.X and above. Consultation Services and Support Tools 24/7 Emergency Assistance In the event of an identity theft emergency, IDShield provides emergency access to live support 24/7, ensuring participants can get help right away. toI to IDShield Covered Services Credit Counseling and Education IDShield's identity theft specialists can provide one-on-one education to help participants understand their valuable credit rating and actions that are likely to have an impact on their credit score. They can also provide counseling on debt management, financial budgeting, credit score health and more. Credit Freeze and Fraud Alert Assistance IDShield's investigators will provide the participant assistance with placing a credit freeze and/or fraud alert on their credit reports in the event of a breach or other identity theft incident. If their identity is stolen, the LPI will issue fraud alerts to all three credit bureaus and with reporting agencies and creditors as needed. Language Support IDShield's investigators can provide language support in English, Spanish and French. Live Member Support IDShield's identity theft specialists, Licensed Private Investigators and Customer Care teams are available from 7 a.m.-7 p.m. CT Monday-Friday. Identity theft specialists are also available 24/7 for identity theft emergencies. Lost/Stolen Wallet Support Losing a wallet can be stressful, but our investigators are there to assist. We offer guidance to determine what may have been stolen and provide support for any resulting identity theft. Medical Data Report Our site provides a link to sources of medical data reports. Participants can retrieve and review these reports for inaccurate or fraudulent information. Solicitation Reduction Reducing mail and phone solicitation helps lower the risk of thieves finding personal information to exploit. Our identity theft specialists are available to provide advice and assistance to reduce the number of unsolicited offers for credit cards and insurance participants receive. Pre-Paid Legal Services,Inc.(`PPLSI") provides access to identity theft protection and restoration services through its product IDShield.IDShield plans are available at Individual or family rates.A family plan provides monitoring services for eligible dependent children under the age of 18 of the Named Member or Named Member's spouse or domestic partner.Consultation and Restoration Services are available for eligible dependent children under the age of 26 and dependent parents,For complete terms,coverage,and conditions,please see an identity theft plan.All Licensed Private Investigators are licensed In the state of Oklahoma.An Identity Fraud Protection Plan('Plan")Is issued through a nationally recognized carrier.PPLSI is not an insurance carrier.This covers certain identity fraud expenses and legal costs as a result of a covered identity fraud event.See a Plan for complete terms,coverage,conditions,limitations,and family members who are eligible under the Plan. USBU_NP_IDS_PR_EN_BenefitOverviews-3B—v1_110123 11 1 0 A��D® CERTIFICATE OF LIABILITY INSURANCE DAT91(MM/D r YY) THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: Morays G.iZaI gZ . Higginbotham Insurance Agency, In PHONE �500 W. 13TH (A/C.No Ext). 81,-336 IMF'2 = \/� !it. rn ' 1 •\/ Fort Worth TX 76102 n_gi e E-MAIL A DRESS: Mgor.'£lez. igg'•". am.ne �I }I kiSU'ARIS)AFFORDWG COVE GE ^ NAIC# INSURER A:Fede ‘'I ..-.- Iri,-r C 020281 INSURED PRE-LEG-01 INSURER B:Chit ib I, 'temnity I .ranee Company 12777 Pre-Paid Legal Services, Inc. dba LegalShield complete list of named insureds be w IN RERC: �J 1 a - 2O Way 1 Prepaid ; RER•• `J Ada OK 74820 Way eie 0n . 1 � ,2 _n 1 1 COVERAGES CERTIFICATE NUMBER:1278525106 1 �• IZIWJMB6il:� 00 THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE ',BEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDL SUBR POLICY EFF POLICY EXP I LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER (MMIDD/YYYY) (MMIDD/YYYY)I LIMITS A X COMMERCIAL GENERAL LIABILITY 36062864 6/1/2024 6/1/2025 ' EACH OCCURRENCE 51,000,000 CLAIMS-MADE X OCCUR DAMAGE TO RENTED PREMISES(Ea occurrence) I S1,000,000 MED EXP(Any one person) S 10,000 _ PERSONAL&ADV INJURY 5 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE S2,000,000 _ POLICY PRO LOC PRODUCTS-COMP/OP AGG S2,000,000 X PRO- OTHER: S A AUTOMOBILE LIABILITY 73615376 6/1/2024 6/1/2025 COMBINED SINGLE LIMIT S 1,000,000 (Ea accident) X ANY AUTO BODILY INJURY(Per person) S OWNED SCHEDULED BODILY INJURY(Per accident)I S AUTOS ONLY AUTOS x HIRED X NON-OWNED PROPERTY DAMAGE AUTOS ONLY AUTOS ONLY (Per accident) S S A UMBRELLA LIAB X OCCUR 78191675 6/1/2024 6/1/2025 EACH OCCURRENCE S 10,000,000 X EXCESS LIAB CLAIMS-MADEI AGGREGATE S 10,000,000 _ DED RETENTIONS ! S B WORKERS COMPENSATION i 71827392 6/1/2024 6/1/2025 X STATUTE OTH- ER AND EMPLOYERS'LIABILITY YIN — - — ANYPROPRIETOR/PARTNERJEXECUTIVE E.L.EACH ACCIDENT $1,000,000 OFFICER/MEMBEREXCLUDED? N N/A (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE)$1,000,000 If yes,describe under -- — DESCRIPTION OF OPERATIONS below j E.L.DISEASE-POLICY LIMIT S 1,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS!VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) **Named Insureds: LS Parent Corporation LS, Inc. PPL Holdings Corp Pre-Paid Legal Casualty, Inc. Pre-Paid Legal Access,Inc. EAP, Inc.dba CLC PPLSI Insurance Company, Inc. See Attached... CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF. NOTICE WILL BE DELIVERED IN City of Santa Ana ACCORDANCE WITH THE POLICY PRC` / Attention: Executive Director of Human Resources Risk Management Division Resources Agency, 9'"9' 20 Civic Center Plaza AUTHORIZED REPRESENTATIVE I REVIEWED&APPROVED BY: Santa Ana, CA 92701 I / 111� l` /14f4 A , Risk Management Specialist ©1988-2015 ACORD / \ ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD AR® CERTIFICATE OF LIABILITY INSURANCE DATE(MM/024rr 9/13/2 PRODUCER 516-747-4100 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ARC Excess&Sur Surplus, LLC ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE p HOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND OR 113 South Service Road ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. P.O. Box 9012 Jericho, NY 11753 INSURERS AFFORDING COVERAGE NAIC# INSURED INSURER A: Endurance American Specialty Ins. Co. 41718 Pre-Paid Legal Services, Inc. dba LegaiShield INSURER B: Continental Casualty Company 20443 One Pre-Paid Way INSURER C: Bridgeway Insurance Company 12489 Ada OK 74820 INSURER D: INSURER E: COVERAGES THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED.NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN,THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.AGGREGATE LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADD'L! POLICY EFFECTIVE 1 POLICY EXPIRATION LTR INSRQ' TYPE OF INZIBANCE POLICY NUMBER DATE(MMIDDIYYYY) DATE(MM/DD/YYYY)I LIMITS GENERAL LIABILITY EACH OCCURRENCE S DAMAGE TO RENTED COMMERCIAL GENERAL LIABILITY PREMISES(Ea occurrence) $ CLAIMS MADE OCCUR MED EXP(Any one person) $ PERSONAL&ADV INJURY I S GENERAL AGGREGATE $ GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS-COMP/OP AGG S PPOLICY JECT LOC AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT ANY AUTO (Ea accident) ALL OWNED AUTOS BODILY INJURY SCHEDULED AUTOS (Per person) HIRED AUTOS BODILY INJURY NON-OWNED AUTOS (Per accident) PROPERTY DAMAGE (Per accident) GARAGE LIABILITY AUTO ONLY-EA ACCIDENT S ANY AUTO EA ACC S OTHER THAN AUTO ONLY: AGG S EXCESS/UMBRELLA LIABILITY EACH OCCURRENCE _ S OCCUR CLAIMS MADE AGGREGATE $ Is DEDUCTIBLE $ RETENTION $ S WORKERS COMPENSATION I WC STATU- LIMITS I OER AND EMPLOYERS'LIABILITY Y I N ANY PROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT OFFICER/MEMBER EXCLUDED? S (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ If yes,describe under SPECIAL PROVISIONS below E.L.DISEASE-POLICY LIMIT S A. OTHER A. PRO30039130701 A. $5,000,000 B. Professional Liability/Cyber B.652343072 6/21/2024 6/21/2025 B. $5,000,000 excess of$5,000,000 C. Security & Privacy Liability C. 7GA7PX0001248-00 C. $5,000,000 excess of$10,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES I EXCLUSIONS ADDED BY ENDORSEMENT/SPECIAL PROVISIONS "Named Insureds: Pre-Paid Canadian Holdings,LLC PPL Legal Care of Canada Corporation LS.Inc. Pre.Paid Legal Casualty,Inc. Pre-Paid Legal Access,Inc. EAP,Inc.dha CLC PPLSI,Inc. Yourself Online,Inc. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION City of Santa Ana DATE THEREOF,THE ISSUING INSURER WI\ on Attention: Executive Director of Human Resources Agency NOTICE TO THE CERTIFICATE HOLDER NAN on.,, Ri®kMattagementDivisinn 20 Civic Center Plaza IMPOSE NO OBLIGATION OR LIABILITY OF ? '% REVIEWED br APPROVED BY: Santa Ana, CA 92701 REPRESENTATIVES. _ cl' f ll rd 1.t�iGAide) •P£A•'•NA AUTHORIZED REPRESENTATIVE - if/tisk Management Spedalist ACORD 25(2009/01) ©1988-2009 COR CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD AGENCY CUSTOMER ID: PRE-LEG-01 _ LOC#: AR ADDITIONAL ADDITIONAL REMARKS SCHEDULE Page 1 of 1 AGENCY NAMED INSURED Higginbotham Insurance Agency,Inc. Pre-Paid Legal Services, Inc.dba LegalShield **complete list of named insureds below POLICY NUMBER 1 Prepaid Way Ada OK 74820 CARRIER NAIC CODE EFFECTIVE DATE: ADDITIONAL REMARKS THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM, FORM NUMBER: 25 FORM TITLE: CERTIFICATE OF LIABILITY INSURANCE Pre-Paid Canadian Holdings, LLC PPL Legal Care of Canada Corporation Workers Compensation Policy-7182-73-92 All States except IA,IN, MD,MS ND,NV OH,PA,WA,WY and those states listed in 3A(3A consists of AR AZ CA CO CT FL GA HI IL MA MI MO NJ NY OK PA RI TN TX UT The General Liability Additional insured includes From 80-02-2367(5-07)Persons or organizations that you are obligated,pursuant to a contract or agreement, to provide with such insurance as is afforded by this policy. The Automobile Additional Insured includes form(CA 20 48)Persons or organizations that you are obligated, pursuant to a contract or agreement between you and such person or organization,to provide with such insurance as is afforded by this policy. However,no such person or organization is an insured under this provision who is more specifically described under any other provision of the"Who Is An Insured"section of this policy(regardless of any limitation applicable thereto)or who is a branch,department,agency,corporation or other governmental authority of the Federal Government of the United States of America. The General Liability Waiver of Subrogation includes form(80-02-2000)provides a blanket waiver of subrogation endorsement when required by written contract. The Automobile Liability Transfer of Right of Recovery against others to us under Loss Conditions. Workers Compensation waiver of Subrogation includes Any person or organization against whom you have agreed to waive your right of recovery in a written contract,provided such contract was executed prior to the date of loss. The General Liability has a blanket Primary&Non Contributory endorsement that affords that coverage to certificate holders only where there is a written contract 80-02-2367(5-07). The Automobile Primary&Non Contributory included form(16-02-0316)Persons or organizations that you are obligated,pursuant to a contract or agreement between you and such person or organization,to provide primary and non-contributory insurance. The General Liability(80-02-9779)Automobile Liability(16-02-0306) If you are obligated,pursuant to a written contract or agreement,to provide persons or organizations with Notice of cancellation,then we will notify such persons or organizations provided that within 15 days of the date we send Notice of Cancellation to the first named insured,the first named insured or producer of record provides us with a spreadsheet containing the name,mailing address and, if available,e-mail address of the persons or organizations. Excess Liability is follow form. Certificate holder is complete to include: City of Santa Ana / Risk Managemerd Division ; \ REVIEWED/&APPROVED BY: `I, its: 1'� f1' 11cw ®, Risk Management Specialist ACORD 101 (2008/01) ©2008 ACORD I/ The ACORD name and logo are registered marks of ACORD IMPORTANT If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). DISCLAIMER This Certificate of Insurance does not constitute a contract between the issuing insurer(s), authorized representative or producer, and the certificate holder, nor does it affirmatively or negatively amend, extend or alter the coverage afforded by the policies listed thereon. Risk Management Division 3,. '. REVIEWED&APPROVED 8Y: ®' Risk Management Specialist ACORD 25(2009/01)