arag plan booklet

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1 ® Legal Insurance Plan The ARAG Plan Booklet University of California Effective Date: January 1, 2019 AR AG North America, Inc. © 2018 Page 1 of 39 Rev 1/ 39 2fifi3ft2

2 The ARAG Legal Insurance Plan This booklet describes the benefits included in The ARAG Legal Insurance Plan including the available service and insurance benefits. Final interpretation of any described benefit is governed by the group insurance contract. The benefits described in this booklet are available under the group insurance contract when you are an eligible Employee/Retiree and have elected to participate, and have retained your participation in accordance with the terms and conditions of the group insurance contract. This booklet replaces any older booklets issued to you. Except when otherwise indicated by the context of this booklet, any masculine terminology herein will also include the feminine, and the definitions of any terms in the singular also include the plural. AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 2 of 39 © 2018

3 Contents Table of Contents Section I: University of California Eligibility and Enrollment ... Page 4 A. Eligibility B. Enrollment Section II: The ARAG Legal Insurance Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 4 A. Benefits under The ARAG Legal Insurance Plan Consist of Three Parts Part I ‑ Legal Representation Part II ‑ Telephone Legal Advice and Consultation Part III ‑ Additional Benefits ‑ Online Tools and Resources ‑ Tax Services ‑ Caregiving Services ‑ Identity Theft Protection ‑ Reduced Fee Benefit for Non‑Covered Matters ‑ Reduced Contingency Fee B. Pre‑existing Conditions C. Freedom of Choice of an Attorney D. Confidentiality E. Reimbursement of Legal Fees F. Eligible Charges G. Extension of Benefits H. Conversion Section III: Schedule of Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 6 A. Schedule of Benefits Page 28 B. Exclusions and Limitations ... Section IV . Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 29 Page 31 Section V . Grievance Procedures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page32 Section VI . How To Use The ARAG Legal Insurance Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A. Customer Care B. Telephone Legal Advice and Consultation C. Legal Representation D. Filing Your Indemnity Claim E. Additional Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Section VII . Coordination of Benefits Page 37 AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 3 of 39 © 2018

4 Eligibility and Enrollment Section II Section I The ARAG Legal Insurance Plan UNIVERSITY OF CALIFORNIA ELIGIBILITY, ENROLLMENT, TERMINATION AND PLAN ADMINISTRATION PROVISIONS A . Benefits Under The ARAG Legal Insurance Plan January 1, 2019 Consist of Three Parts The University establishes its own legal plan eligibility, The person must be an Insured when each service is furnished. enrollment and termination criteria based on the University Part I – Legal Representation of California Group Insurance Regulations and any corresponding Administrative Supplements. Attorney’s Fees for most covered (and not excluded) services are 100% paid‑in‑full when using a Network A . Eligibility Attorney. Or use a non‑network attorney and be reimbursed Employees up to the non‑network attorney benefit. For a detailed For eligibility and enrollment information, go to UCnet description of services and what the benefits are, see https://ucnet.universityofcalifornia.edu/compensation‑and‑ Section III. There is a maximum reimbursement amount benefits/eligibility/index.html. (see “List of Benefits”). Not all charges are eligible and some charges are eligible only to a limited extent. Retirees There is also a Conversion Plan that may apply after For eligibility and enrollment information, go to UCnet a person ceases to be covered under The ARAG Legal https://ucnet.universityofcalifornia.edu/compensation‑and‑ Insurance Plan (see conversion). benefits/eligibility/index.html. Part II – Telephone Legal Advice and Consultation B . Enrollment This part of the plan provides services to Insureds through a Employees Telephone Network Attorney. There is no Network Attorney For eligibility and enrollment information, go to UCnet Fee for these services. The preventive legal services https://ucnet.universityofcalifornia.edu/compensation‑and‑ provided by the Telephone Network Attorney are those benefits/eligibility/index.html. contained in the List of Benefits that involve the Insured’s legal affairs, and are not services that involve a visit to an Retirees Attorney’s office or are otherwise not covered. The services For eligibility and enrollment information, go to UCnet described will be provided to an Insured at the discretion of https://ucnet.universityofcalifornia.edu/compensation‑and‑ the Telephone Network Attorney. The Telephone Network benefits/eligibility/index.html. Attorney will not charge an Insured for these services. Telephone Legal Advice and Consultation are not available for matters outside the jurisdiction of the United States. Part III ‑Additional Benefits Online Legal Tools and Resources This part of the plan provides Insureds the opportunity to receive services online. There is no additional fee for these services. Caregiving Services This part of the benefit offers access to Network Attorneys and other professionals who can help find caregiving options for your parents or grandparents. You talk with an Eldercare Advocate who can: 2fifi3ft2 1/ 39 Rev Page 4 of 39 AR AG North America, Inc. © 2018

5 Additional Benefits Specialists assist you in canceling and reissuing • Assess your parent’s or grandparent’s eldercare needs (e.g. cooking, cleaning, medications, transportation, home personal documents such as credit cards, driver’s health, assisted‑living and nursing home facilities), answer license, Social Security cards, etc. ‑ due to lost or stolen questions, provide information and resources, and help wallet or identity documents. develop care plans. Identity Theft Insurance: • Should you become a victim • Send a personalized information guide with a list of of identity theft, Identity Theft Insurance provides assisted living facilities, nursing home or healthcare coverage up to $1 million for expenses associated with ‑of‑care ratings agencies, including comparative quality restoring your identity. (Eligibility, coverage, limitations and reports on thousands of facilities and agencies. and exclusions are governed by a separate Master • Search for available assisted living facilities, nursing Policy. Please see the Identity Theft Plan Summary for homes, home healthcare agencies and adult day care details.) providers and their rates, then negotiate discounts for facilities when available. In order to use the following services, you will need to log in Your parents/grandparents will also have access to a and establish an online monitoring account. Network Attorney for legal advice on elder law issues (e.g., • Services designated Single‑Bureau Credit Monitoring: Medicare/Social Security benefits, estate planning, real to track and inform you of any activities or changes to estate). They can also meet with a Network Attorney once a your credit ‑ including loan applications, credit card ‑up. year for an annual legal check activations, delinquencies, etc. Tax Services Internet Surveillance: • Service that monitors thousands This part of the plan provides you with year ‑round access to of websites and millions of data points, alerting you if experienced tax specialists. You can call toll‑free for a one‑ your personal information is found being bought or sold on‑one consultation if you have questions or need advice online. regarding your personal, non‑business related tax matters. • Child Identity Monitoring: Service that monitors your You’ll also benefit from discounted personal tax return minor child’s personal information and Social Security preparation services. number for activity on the dark web. It also monitors a minor child’s Social Security number to identify credit Identity Theft Protection information associated with his or her identity. A service that gives you access to: including: Identity Theft Materials, • Change of Address Monitoring: • Alerts you if a change of An Identity Theft Prevention Kit to help protect ‑ address request has been submitted to the U.S. Postal yourself from becoming a victim. Service for your address. ‑ An Identity Theft Victim Action Kit to help speed your Reduced Fee Benefit for Non‑Covered Matters recovery should you become a victim of identity theft. This part of the plan offers reduced fees of at least 25% off ‑ A tracking document to help you keep track of phone the Network Attorney’s normal hourly rate, for services not calls, e‑mails and letters for attorneys. covered and not excluded. ‑ An Identity Theft Affidavit to help you report your Reduced Contingency Fee identity theft to necessary parties. caps on the percentage of any This part of the plan provides who will help you • Identity Theft Case Specialists settlement arrangements on contingency fee cases. Fees determine appropriate steps to begin recovery and for Network Attorney fees are capped at 25% for initial trial/ monitor the progress. settlement and 30% for subsequent appeal proceedings. Identity Theft • Full‑Service Identity Restoration: Restoration Specialists provide full‑service identity B . Pre‑Existing Conditions restoration services, including specialized limited Any legal matter that occurs or is initiated prior to the power of attorney to work on your behalf to restore effective date of an Insured will be considered excluded and your identity. no benefits will apply. ARAG defines this as an event covered Lost Wallet Services: • Identity Theft Restoration Rev Page 5 of 39 AR AG North America, Inc. 2fifi3ft2 © 2018 1/ 39

6 Schedule of Benefits by this policy whose initiation date will be considered the G . Extension of Benefits earlier of the date (a) written notice of a legal dispute is sent If coverage for you or one of your covered dependents is or filed by you or received by you; or (b) a ticket or citation is terminated, your legal services coverage (except Telephone issued; or (c) an attorney is hired. Legal Advice and Consultation) will be extended to cover legal services in progress prior to the date the coverage C . Freedom of Choice of an Attorney terminated until the services are completed. An Insured may choose any Attorney to provide Legal H . Conversion Representation. Except for the provisions of the Benefits ® and the requirement of information for claim processing, To receive UltimateAdvisor Conversion Plan information neither ARAG nor the University of California will interfere and to enroll online, visit the ARAG Legal Center at with the Insured’s Attorney. The Attorney’s obligation will and enter Access Code 10014dcp. www.ARAGLegalCenter.com be only with and to the Insured. If an Insured chooses to Or use a Non‑Network Attorney the Non‑Network Attorney indemnity benefit schedule will apply. Call an ARAG Customer Care Specialist toll‑free at 800‑828‑ 1395 (TTD 800‑383‑4184) to request plan D . Confidentiality information and enrollment materials. An Insured is assured full confidentiality with respect to Complete and sign the Enrollment Form, (and a blank calls and problems discussed with any Service Provider voided check or required savings account information if or Attorney with respect to claims submitted for Legal choosing the bank draft option), and mail to: ARAG, ATTN: Representation under The ARAG Legal Insurance Plan. Eligibility, 500 Grand Avenue, Suite 100, Des Moines, IA 50309 or fax to 515‑246‑8816. E . Reimbursement of Legal Fees The Benefit amount payable for legal services furnished to an ARAG must receive these materials – which include Insured is the amount of the eligible charges for those legal arrangements for premium payment within 90 days of the services, but not more than these limits. disqualifying event. • For Legal Representation by a Network Attorney, see the Section III limits determined from the Schedule of Benefits list of Schedule of Benefits legal services in Section III. • For Legal Representation by a Non‑Network Attorney, Note: You must have family participation in order for your see the indemnity reimbursement amounts shown in eligible dependents to utilize the Schedule of Benefits. the Schedule of Benefits in Section III. • Only one Benefit shall be payable for all legal services A . Benefits arising out of a single cause of action or event resulting in the need for the legal services. ARAG will decide The Schedule of Benefits applies to an Insured when the which Benefit shall be payable. Schedule of Benefits specifically states that Benefit. It If a court awards Attorney fees to an Insured in connection includes only Benefits included in the list. However, if the with covered Benefits, ARAG may require the Insured to law of jurisdiction where the Benefit is furnished uses legal assign all rights of recovery of the legal fees to the extent terms that differ from those in the list provided, ARAG will of the payment that was made by them. If an assignment is determine the equivalent Benefit from the list provided. sought, an Insured must cooperate with ARAG. The benefit year is a 12‑month period based on a calendar F . Eligible Charges year. A Benefit may be furnished for more than one insured in a Family Unit with respect to the same event or cause of A charge is an eligible charge if all these conditions are met: action resulting in the need for that Benefit. In that case, • It is for a covered legal service furnished to an Insured only one Benefit will be considered to have been furnished. while the plan is in effect; • The service involves an Insured’s personal legal matters If a Non‑Network Attorney is used, the amounts payable and is contained in the List of Benefits; and under that Benefit may be up to the limits on the following • The person is an Insured when the service is furnished. schedule. AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 6 of 39 © 2018

7 How to Obtain In-Office Legal Services and Court Representation Network Attorney or Non-Network Attorney as follows: may choose a You Network Attorney Services Network Attorneys throughout your state. To obtain a list of Network Attorneys you can: There are Call 800-247-4184 and a Customer Service Specialist will assist you by: 1. ● Describing how the plan work and what types of situations are covered. benefits ● Providing you a listing of Network Attorneys specific to your need. ● your coverage. Providing a Case Confirmation Number that outlines 2. Visit our Web site at ARAGlegal.com and log on as a member and search using the Attorney Finder. Simply call an attorney for an appointment. When you call, identify yourself as a member of your group's should provide it to the legal plan. If you have a Case Confirmation Number, you Network Attorney . If not, services coverage and then proceed to provide your to confirm the us you . If may call Network Attorney choose a Network Attorney to provide covered legal services , the Network Attorney will bill us directly for his/her attorney fees. Non-Network Attorney Services Schedule of Benefits you attorney fees for covered will pay we your If legal services choose a Non-Network Attorney , according to the Non-Network Attorney indemnity benefits schedule. Instructions for submitting a claim Web site our can download a form from you are printed on the claim form. For a form, call 800-247-4184. Or at ARAGlegal.com. Non-Network Attorney (Indemnity Benefit) Network Attorney Uncontested Adoption 1 $ 400* PAID IN FULL uncontested in an Legal services to become an insured adoption for an adoptive parent(s). 1 In international adoptions, where a foreign attorney is necessary, you are eligible to receive indemnity reimbursement in addition to the benefits available in the United States. 3 AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 7 of 39 © 2018

8 Schedule of Benefits Non-Network Attorney Network Attorney (Indemnity Benefit) Contested Adoption 1 $ 800* PAID IN FULL contested adoption in a Legal services insured to become an adoptive for an parent(s). Trial PAID IN FULL for three (3) days or less $ 1,800** Trial PAID IN FULL $ 100,000*** starting on day four (4) until completion 1 In international adoptions, where a foreign attorney is necessary, you are eligible to receive indemnity reimbursement in addition to the benefits available in the United States Building Codes for an in an insured Legal services $ 400* PAID IN FULL administrative action for permit or code violations relating to the renovation and/ or improvement of existing primary your residence. $ 1,800** Trial for three (3) days or less PAID IN FULL $ 100,000*** Trial starting on day four (4) until PAID IN FULL completion Caregiving Services - Annual Check Up for parent/ your and Legal services you $ 80* PAID IN FULL grandparent to meet with an attorney on an annual basis. This annual meeting your is to discuss the legal needs of parent/grandparent and discuss any changes in their situation and potential legal implications. This benefit is limited to one usage per . family per certificate year Child Support Enforcement for a insured for an Legal services $ 640* PAID IN FULL motion brought by you to enforce a final decree for child support. 4 Rev AR AG North America, Inc. 2fifi3ft2 1/ 39 Page 8 of 39 © 2018

9 Schedule of Benefits Non-Network Attorney Network Attorney (Indemnity Benefit) Defense of Civil Damage Claims PAID IN FULL $ 800* Legal services for an insured in defense against civil damage(s) claims, except claims involving the ownership or use of a motorized vehicle, claims which are covered by other insurance, or claims related to a felony charge. Trial for three (3) days or less PAID IN FULL $ 1,800** starting on day four (4) until Trial PAID IN FULL $ 100,000*** completion Consumer Protection - Defendant as a for an insured Legal services $ 800* PAID IN FULL defendant regarding written contracts or or warranties relating to consumer goods services , (excluding residential contractor disputes). $ 1,800** Trial for three (3) days or less PAID IN FULL $ 100,000*** PAID IN FULL Trial starting on day four (4) until completion Consumer Protection - Plaintiff Legal services as a for an insured $ 800* PAID IN FULL plaintiff regarding written contracts or or warranties relating to consumer goods services , (excluding residential contractor disputes). Trial $ 1,800** for three (3) days or less PAID IN FULL starting on day four (4) until PAID IN FULL $ 100,000*** Trial completion Credit Records Correction for an Legal services insured $ 160* PAID IN FULL related to correcting inaccuracies or misrepresentations on your credit record. 5 Rev AR AG North America, Inc. 2fifi3ft2 1/ 39 Page 9 of 39 © 2018

10 Schedule of Benefits Non-Network Attorney (Indemnity Benefit) Network Attorney Criminal Misdemeanor Defense $ 720* PAID IN FULL Legal services for an insured in the defense against criminal misdemeanor charges, except those involving motorized vehicles and domestic violence charges. If the charge is escalated to a felony, coverage will cease as of the date of the escalation. If a felony charge is reduced or pled down to a misdemeanor no coverage applies. Trial for three (3) days or less PAID IN FULL $ 1,800** Trial starting on day four (4) until PAID IN FULL $ 100,000*** completion Defense of Debt Collection $ 480* Legal services for an insured as the PAID IN FULL legal dispute related to defendant in a consumer goods or services . Trial $ 1,800** PAID IN FULL for three (3) days or less starting on day four (4) until PAID IN FULL $ 100,000*** Trial completion Uncontested Divorce named insured Legal services for the $ 640* PAID IN FULL uncontested divorce, a legal in an separation and/or an annulment of marriage . Contested Divorce - 25 hours in for the Legal services named insured PAID IN FULL $ 2,000* a contested divorce, a legal separation (up to 25 hours per and/or an annulment of marriage. insured event ) Driving Privilege Protection insured in the Legal services for an PAID IN FULL $ 480* defense of a traffic offense where conviction of the offense will directly result in the suspension or revocation of your driving privileges. for three (3) days or less PAID IN FULL Trial $ 1,800** PAID IN FULL starting on day four (4) until Trial $ 100,000*** completion 6 AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 10 of 39 © 2018

11 Schedule of Benefits Non-Network Attorney (Indemnity Benefit) Network Attorney Driving Privilege Restoration (excluding DWI-related) $ 240* PAID IN FULL insured for an Legal services in an administrative proceeding for the restoration of suspended or revoked . (Does not insured driving privileges of an include driving while impaired or under the influence of drugs or alcohol or a related offense.) Easement Legal services for an insured in an $ 400* PAID IN FULL administrative action regarding an your primary residence . easement on Trial for three (3) days or less PAID IN FULL $ 1,800** Trial starting on day four (4) until PAID IN FULL $ 100,000*** completion Estate Administration & Estate Closing (Probate) - 9 hours $ 720* for an PAID IN FULL in Legal services insured have (up to 9 hours per you administering an estate where been named the executor. insured event ) Expungement Legal services for an insured for the PAID IN FULL $ 240* criminal record. expungement of your for three (3) days or less $ 1,800** Trial PAID IN FULL Trial starting on day four (4) until PAID IN FULL $ 100,000*** completion Foreclosure insured regarding Legal services for an $ 480* PAID IN FULL written notice of a foreclosure related to primary your residence . PAID IN FULL $ 1,800** for three (3) days or less Trial PAID IN FULL starting on day four (4) until Trial $ 100,000*** completion 7 AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 11 of 39 © 2018

12 Schedule of Benefits Non-Network Attorney (Indemnity Benefit) Network Attorney Defense of Garnishment PAID IN FULL $ 480* in a insured Legal services legal for an dispute for a garnishment against you or to collect judgment related to goods services . Trial for three (3) days or less PAID IN FULL $ 1,800** Trial PAID IN FULL $ 100,000*** starting on day four (4) until completion (Exclusion #3 as it relates to post judgment garnishment is waived for this benefit .) Uncontested Guardianship/Conservatorship Legal services in an uncontested $ 480* PAID IN FULL Guardianship/Conservatorship for an insured to appoint or be appointed as a Guardian/Conservator. Contested Guardianship/Conservatorship $ 720* in a contested PAID IN FULL Legal services Guardianship/Conservatorship for an to appoint or be appointed as a insured Guardian/Conservator. Trial for three (3) days or less PAID IN FULL $ 1,800** starting on day four (4) until $ 100,000*** PAID IN FULL Trial completion Habeas Corpus Proceedings $ 480* Legal services for an insured in habeas PAID IN FULL corpus proceedings. for three (3) days or less PAID IN FULL $ 1,800** Trial Trial starting on day four (4) until $ 100,000*** PAID IN FULL completion Mental Incompetency or Infirmity Proceedings in defense insured Legal services for an PAID IN FULL $ 960* of mental incompetency or infirmity proceedings. $ 1,800** PAID IN FULL for three (3) days or less Trial $ 100,000*** PAID IN FULL starting on day four (4) until Trial completion 8 AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 12 of 39 © 2018

13 Schedule of Benefits Non-Network Attorney (Indemnity Benefit) Network Attorney Protection of Inheritance Rights - 6 hours $ 480* PAID IN FULL claiming insured for an Legal services (up to 6 hours per the right to inherit from or assert a claim insured event ) against a deceased person’s estate. IRS Collection Defense PAID IN FULL $ 480* insured in defense for an Legal services against collection actions by the Internal Revenue Service (IRS) related to errors on personal tax return where the your initial written notice is received after your . effective date $ 1,800** Trial for three (3) days or less PAID IN FULL $ 100,000*** Trial PAID IN FULL starting on day four (4) until completion IRS Audit Protection involving insured for an Legal services PAID IN FULL $ 480* Internal Revenue Service (IRS) audits your related to personal tax return where the initial written notice is received after your effective date . Trial for three (3) days or less PAID IN FULL $ 1,800** Trial starting on day four (4) until PAID IN FULL $ 100,000*** completion Juvenile Court Legal services insured child for an PAID IN FULL $ 480* charged with a crime (except those involving traffic matters) when the court proceedings are held in juvenile court. If the matter is removed from juvenile court, benefit coverage under this will cease as of the date of the removal. PAID IN FULL $ 1,800** Trial for three (3) days or less $ 100,000*** PAID IN FULL starting on day four (4) until Trial completion Minor Traffic - Broad (excluding DWI- related) PAID IN FULL $ 240* for an insured in the Legal services defense of a traffic offense, the conviction of which would not result in suspension driving privileges. or revocation of your (Does not include driving while impaired or under the influence of drugs or alcohol or any non-moving offense .) 9 Rev AR AG North America, Inc. 2fifi3ft2 1/ 39 Page 13 of 39 © 2018

14 Schedule of Benefits Non-Network Attorney (Indemnity Benefit) Network Attorney Name Change for an PAID IN FULL to legally $ 240* Legal services insured change his/her name. Neighbor Disputes $ 720* PAID IN FULL insured with for an Legal services a neighbor as a plaintiff or defendant your primary in a dispute related to residence , including boundary or property title disputes. Trial for three (3) days or less PAID IN FULL $ 1,800** Trial starting on day four (4) until $ 100,000*** PAID IN FULL completion General In Office Services - 4 hours General in office legal services . $ 320* 4 hours (This benefit is limited to four hours per .) certificate year family per Parental Responsibilities Legal services for an insured in juvenile $ 480* PAID IN FULL court proceedings (except those involving traffic matters) where a state has brought your parental an action regarding responsibilities for an insured child. $ 1,800** PAID IN FULL Trial for three (3) days or less Trial starting on day four (4) until PAID IN FULL $ 100,000*** completion Personal Property Protection as a insured Legal services for an $ 320* PAID IN FULL plaintiff or defendant regarding contracts or obligations for the transfer of your your personal property or personal property rights. for three (3) days or less PAID IN FULL Trial $ 1,800** PAID IN FULL starting on day four (4) until Trial $ 100,000*** completion 10 AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 14 of 39 © 2018

15 Schedule of Benefits Non-Network Attorney (Indemnity Benefit) Network Attorney Post Decree Defense Legal services for an insured for a you to modify motion brought against a final decree for child support, child custody, child visitation, or alimony. Alimony PAID IN FULL $ 400* PAID IN FULL $ 960* Child Custody / Child Visitation Child Support PAID IN FULL $ 640* Post Decree Enforcement for an insured for a Legal services motion brought by you or against you to enforce a final decree for child custody, child visitation, or alimony. Alimony PAID IN FULL $ 400* Child Custody / Child Visitation PAID IN FULL $ 960* Post Decree Modification insured $ 960* PAID IN FULL for a for an Legal services motion brought by to modify a final you decree for child custody or child visitation. Postnuptial Agreements PAID IN FULL $ 320* Legal services for the named insured for the preparation of a postnuptial agreement. Prenuptial Agreements insured Legal services for an for the $ 320* PAID IN FULL preparation of a premarital or antenuptial agreement. Refinancing - Primary Residence Advice and review of relevant documents PAID IN FULL $ 160* your primary refinancing regarding of . residence Purchase/Sale of Secondary Residence PAID IN FULL $ 320* for the for an insured Legal services your secondary purchase or sale of residence for the review and preparation of documents including the contract for sale and attendance at closing. 11 AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 15 of 39 © 2018

16 Schedule of Benefits Non-Network Attorney (Indemnity Benefit) Network Attorney Property Tax - Primary Residence $ 400* PAID IN FULL Legal services for an insured in an administrative action brought by you to reduce the property tax assessment on . your primary residence Trial for three (3) days or less PAID IN FULL $ 1,800** Trial starting on day four (4) until $ 100,000*** PAID IN FULL completion Purchase of Real Estate for an insured for the Legal services $ 320* PAID IN FULL for your primary residence purchase of the review and preparation of documents including contract for purchase and attendance at closing. Real Estate Disputes Legal services for an insured as PAID IN FULL $ 1,200* a plaintiff or defendant in a dispute regarding contracts or obligations for the construction, purchase or sale of your . primary residence for three (3) days or less Trial $ 1,800** PAID IN FULL starting on day four (4) until PAID IN FULL Trial $ 100,000*** completion Real Estate Disputes - Secondary Residence Legal services for an insured as PAID IN FULL $ 1,200* a plaintiff or defendant in a dispute regarding contracts or obligations for the your construction, purchase or sale of . secondary residence Trial for three (3) days or less PAID IN FULL $ 1,800** Trial starting on day four (4) until PAID IN FULL $ 100,000*** completion Residential Contractor Disputes insured for written, $ 800* PAID IN FULL Legal services for an verbal or implied contracts or obligations for the renovation and/or improvement of your existing primary residence . $ 1,800** PAID IN FULL for three (3) days or less Trial Trial $ 100,000*** PAID IN FULL starting on day four (4) until completion 12 AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 16 of 39 © 2018

17 Schedule of Benefits Non-Network Attorney Network Attorney (Indemnity Benefit) Sale of Real Estate $ 320* PAID IN FULL for an insured Legal services for the sale for the review your primary residence of and preparation of documents including the contract for sale and attendance at closing. School Administrative Hearings Legal services for an insured in an $ 480* PAID IN FULL administrative public or private formal school proceeding related to primary and secondary education regarding disabilities, special education and student policy violations. Trial for three (3) days or less PAID IN FULL $ 1,800** $ 100,000*** Trial PAID IN FULL starting on day four (4) until completion Small Claims Court Legal services for an insured to obtain PAID IN FULL $ 320* advice and counseling to bring a claim in Small Claims Court (or similar court of limited civil jurisdiction). Legal services to defend for an insured $ 400* PAID IN FULL an action in Small Claims Court (or similar court of limited civil jurisdiction) including representation in court where allowed by law. Social Security/Veterans/Medicare insured in an Legal services for an $ 400* PAID IN FULL administrative legal dispute arising out of Social Security, Veterans, Medicare or Medicaid benefits. Trial PAID IN FULL for three (3) days or less $ 1,800** PAID IN FULL starting on day four (4) until Trial $ 100,000*** completion 13 AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 17 of 39 © 2018

18 Schedule of Benefits Non-Network Attorney (Indemnity Benefit) Network Attorney Tenant Matters $ 320* PAID IN FULL Legal services for an insured as a your plaintiff or defendant with landlord , your primary residence as tenant of including but not limited to, eviction and security deposit disputes. Trial for three (3) days or less PAID IN FULL $ 1,800** Trial PAID IN FULL $ 100,000*** starting on day four (4) until completion Irrevocable Trusts Legal services for an insured for the $ 320* single document PAID IN FULL preparation of a stand-alone irrevocable trust. $ 400* spousal documents Revocable Living Trusts for an PAID IN FULL $ 320* single document for the Legal services insured preparation of a stand-alone revocable $ 400* spousal documents trust. Wills & Durable Power of Attorney Individual will or spousal will(s). (Does not PAID IN FULL $ 320 single document include any tax planning services done in $ 400 spousal documents connection with the will.) Codicil (an amendment to a will) PAID IN FULL $ 40 single document $ 80 spousal documents PAID IN FULL $ 40 single document Living Will / Health Care Directive $ 80 spousal documents Durable / Financial Power of Attorney PAID IN FULL $ 40 single document $ 80 spousal documents Zoning and Variances insured in an Legal services for an $ 400* PAID IN FULL administrative action related to a zoning change, variance, or an eminent domain proceeding involving your primary residence . PAID IN FULL Trial for three (3) days or less $ 1,800** Trial $ 100,000*** PAID IN FULL starting on day four (4) until completion 14 AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 18 of 39 © 2018

19 Schedule of Benefits Non-Network Attorney Network Attorney (Indemnity Benefit) Child Custody/Child Support Agreement Legal services for an insured for the creation of an initial child custody, child support, or visitation agreements. This benefit does not include the modification of current agreements. Child custody / visitation PAID IN FULL $ 960* PAID IN FULL Child support $ 640* Construction Loan - Primary Residence for an insured for the Legal services $ 420* PAID IN FULL preparation and review of a construction primary loan related to building your . residence Construction Loan - Secondary Residence Legal services for an insured for the PAID IN FULL $ 420* preparation and review of a construction loan related to building secondary your . residence Elder Law $ 25 Initial advice for an insured on the impact PAID IN FULL parent's/grandparent's personal of your you . legal matter on $ 40 per document PAID IN FULL for the insured Legal services for an preparation and review of a deed where are the grantee. you Legal services for an insured for the $ 40 per document PAID IN FULL preparation and review of a promissory note where you are the payee. Legal services for an insured for the PAID IN FULL $ 40 per document review of your parent's/grandparent's personal legal documents, including estate planning documents where you have been named as an agent or executor/personal representative. Executor Appointment PAID IN FULL $ 720* for an Legal services insured to be appointed executor of an estate, where no valid will exists. 15 2fifi3ft2 1/ 39 Rev AR AG North America, Inc. Page 19 of 39 © 2018

20 Schedule of Benefits Non-Network Attorney Network Attorney (Indemnity Benefit) Guardianship/Conservatorship Dispute $ 720* PAID IN FULL insured in a Legal services for an your role as a related to legal dispute Guardian/Conservator. for three (3) days or less Trial $ 1,800** PAID IN FULL Trial PAID IN FULL $ 100,000*** starting on day four (4) until completion Home Equity Loan - Primary Residence Legal services for an insured for the $ 160* PAID IN FULL preparation and review of home equity your primary residence . loans for Home Equity Loan - Secondary Residence $ 160* PAID IN FULL Legal services insured for an for the preparation and review of home equity your secondary residence loans for . Insurance Disputes as a PAID IN FULL Legal services for an insured $ 800* plaintiff or defendant relating to disputes with your auto, home and renters insurance carrier. Trial PAID IN FULL $ 1,800** for three (3) days or less $ 100,000*** PAID IN FULL Trial starting on day four (4) until completion Land Purchase - Primary Residence Legal services for an insured for the PAID IN FULL $ 320* purchase of land that you intend to build for the review primary residence your and preparation of documents including the contract for sale and attendance at closing. Refinancing - Secondary Residence Advice and review of relevant documents $ 160* PAID IN FULL refinancing regarding of your secondary residence . 16 2fifi3ft2 1/ 39 Rev AR AG North America, Inc. Page 20 of 39 © 2018

21 Schedule of Benefits Non-Network Attorney Network Attorney (Indemnity Benefit) State and Local Tax Collection Defense $ 480* PAID IN FULL for an insured Legal services in defense against collection actions by state and/ or local tax authority related to errors on your personal state tax return or personal local taxes where the initial written notice your effective date . is received after $ 1,800** Trial for three (3) days or less PAID IN FULL starting on day four (4) until PAID IN FULL $ 100,000*** Trial completion State and Local Tax Audit for an Legal services insured involving $ 480* PAID IN FULL state and/or local tax authority audits related to your personal state tax return or personal local taxes where the initial written notice is received after your effective date . for three (3) days or less $ 1,800** PAID IN FULL Trial starting on day four (4) until $ 100,000*** PAID IN FULL Trial completion Bankruptcy Legal services for an insured up to and including filing of a Chapter 7 bankruptcy final report or confirmation of a Chapter 13 bankruptcy and including post-confirmation amendments/modifications. This does benefit not include the ongoing maintenance of a Chapter 13 repayment plan. Chapter 7 PAID IN FULL $ 880* Chapter 13 PAID IN FULL $ 1,200* Document Preparation Legal services for an insured for PAID IN FULL $ 40 per document the preparation of Deeds, Mortgages, Promissory Notes, Affidavits, Lease Contracts, Demand Letters, and Installment Contracts, Bill of Sale and HIPAA Authorization. Document Review for the insured for an Legal services $ 40 per document PAID IN FULL review of your personal legal documents. 17 Rev AR AG North America, Inc. 2fifi3ft2 1/ 39 Page 21 of 39 © 2018

22 Schedule of Benefits Non-Network Attorney (Indemnity Benefit) Network Attorney Protection from Domestic Violence - Named Insured PAID IN FULL $ 320* for the Legal services named insured to obtain a protective order related to domestic violence. Protection from Domestic Violence - Insured Legal services for an insured to obtain PAID IN FULL $ 320* a protective order related to domestic violence when the opposing party is not insured Certificate . an under the same Mechanic's Lien for an insured to remove PAID IN FULL $ 480* Legal services a mechanic's lien. Trial for three (3) days or less PAID IN FULL $ 1,800** Trial starting on day four (4) until PAID IN FULL $ 100,000*** completion Student Loan Debt Collection insured $ 480* PAID IN FULL Legal services for an as the defendant in a legal dispute related to your student loan. Trial for three (3) days or less PAID IN FULL $ 1,800** Trial starting on day four (4) until $ 100,000*** PAID IN FULL completion are up to the stated amount Non-Network Attorney Indemnity Benefits * ** Trial Indemnity Benefits are ($300 per 1/2 day of Trial time) up to the stated amount *** Trial Indemnity Benefits are ($400 per 1/2 day of Trial time) up to the stated amount CONDITIONS Policy Period and Territory This policy applies to insured events which occur worldwide while your Certificate of Insurance is in effect. If an apply. event occurs outside the United States indemnity benefits insured insured which occurs prior to the effective date will be considered excluded and of an Any insured event will apply. benefits no 18 AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 22 of 39 © 2018

23 TERMS AND CONDITIONS This plan may be amended or changed at any time by written agreement between the plan sponsor and us. Any terms of this plan which are in conflict with any state or federal law are amended to conform to all applicable federal or state regulations. We do not provide services for you if you have intentionally concealed or misrepresented any material fact or Schedule of Benefits circumstance or have made false statements or engaged in fraudulent conduct relating to your membership or the plan. SERVICES TELEPHONE LEGAL ACCESS SERVICES We will pay the attorney fees of a Telephone Legal Access Law Firm as defined below for Telephone Legal Access Services provided by a Telephone Legal Access Law Firm while your Certificate is in effect. "Telephone Legal Access Law Firm" - means an independent law firm that has entered into a written agreement with us to provide Telephone Legal Access Services to you within the territory of the United States. "Telephone Legal Access Services" - means the type of legal services which, within applicable standard of professional care and conduct, may be rendered by the Telephone Legal Access Law Firm in one or more telephone conversations with a client and which may be connected with other legal services based on telecommunication which are specifically listed below. You will receive: Toll-free telephone advice on how the law relates to your personal legal matter and which action may be ● taken. ● Follow-up correspondence and telephone calls to third parties related to your personal legal matter. Specific document preparation and document review. ● You will receive legal assistance from the Telephone Legal Access Law Firm for the preparation or ● review of a Standard Will or Codicils. Standard Will means a will document without trust provisions other than a support trust for dependent children limited to appointing a guardian and placing assets for dependent children until they reach their age of majority. 2 SPM(11700) AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 23 of 39 © 2018

24 Schedule of Benefits REDUCED FEE LEGAL SERVICES If your legal matter is not fully covered under your insurance policy and is not listed under the “Exclusions” in your Service Plan, you are eligible to work with a Network Attorney and receive a reduced fee that will be at least 25% off the attorney’s normal hourly rate. Payment of attorney fees is handled directly between the plan member and the Network Attorney. Access to a Network Attorney is subject to availability. You are encouraged to contact ARAG to determine proximity to a Network Attorney within legal practice areas. For matters that include a cap on the number of hours ARAG will pay a Network Attorney, and where your legal matter will exceed the cap set, the Network Attorney will bill you directly at reduced rates of at least 25% off his or her normal rates for the remaining hours. You pay the attorney directly. For Telephone Advice, if your matter cannot be resolved over the phone and is not fully covered under your insurance policy and not excluded under the “Exclusions” in your Service Plan, you are eligible to work with a Network Attorney and receive a reduced fee that will be at least 25% off the attorney’s normal hourly rate. Payment of attorney fees is handled directly between the plan member and the Network Attorney. REDUCED CONTIGENCY FEES This service provides you access to a Network Attorney for a legal matter the Network Attorney deems to be appropriately handled through the use of a contingency fee. The Network Attorney will represent you under a contingent fee arrangement where the contingent fee will not exceed 25% of the net recovery if successfully resolved before or after trial, or will not exceed 30% of the net recovery if successfully resolved on or after an appeal. AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 24 of 39 © 2018 3 SPM(11700)

25 Schedule of Benefits IDENTITY THEFT PROTECTION A service that gives you access to: ● Toll-free legal advice from a Telephone Network Attorney to assist with legal-related problems that the theft of your identity may have caused. , including: ● Identity Theft Materials ● An Identity Theft Prevention Kit to help protect yourself from becoming a victim of identity theft in the first place, ● An Identity Theft Victim Action Kit to help speed your recovery should you become an identity theft victim, A tracking document to help you keep track of phone calls, e-mails and letters for attorneys, ● ● An Identity Theft Affidavit to help you report your identity theft to necessary parties. ● who will help you determine appropriate steps to begin recovery and Identity Theft Case Managers help you monitor the progress of your recovery. ● Full-Service Identity Restoration : Certified Identity Theft Restoration Specialist provide full-service identity restoration services, including specialized limited Power of Attorney to work on your behalf to restore your identity. : Certified Identity Theft Restoration Specialist assist you in canceling and Lost Wallet Services ● reissuing personal documents such as credit cards, driver's license, Social Security Cards, etc. - due to lost or stolen wallet or identity documents. ● : Should you become a victim of identity theft, Identity Theft Insurance Identity Theft Insurance provides coverage up to $1 million for expenses associated with restoring your identity. (Eligibility, coverage, limitations and exclusions are governed by a separate Master Policy. Please see the Identity Theft Plan Summary for details.) In order to use the following services, you will need to log in and establish an online monitoring account. : Services designated to track and immediately inform you of any ● Single-Bureau Credit Monitoring activities or changes to your credit - including loan applications, credit card activations, delinquencies, etc. : Services that monitor thousands of websites and millions of online data points ● Internet Surveillance and will alert you if your personal information is being traded and/or sold. : Services that monitors address change requests with the United States Postal ● Change of Address Services. : Services that enable parents or guardians to protect minor's information from identity Child Monitoring ● theft by registering and tracking their data. Social Security Number trace monitoring which will detect the creation of a credit file in a minor's name. AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 25 of 39 © 2018 4 SPM(11700)

26 Schedule of Benefits IMMIGRATION A service that gives you toll-free access to Telephone Network Attorneys for: ● Legal advice and consultation ● Immigration processes and guidelines. ● Filing and processing of applications and petitions. ● Laws and regulations governing various types of immigration benefits; including asylum, adjustment of status, business visas, and employment authorizations. ● Deportation and removal proceedings. Document review of any immigration forms ● ● Document preparation of affidavits and powers of attorney Preparation for immigration hearings ● For additional immigration services, Network Attorneys provide a reduced rate of at least 25% off their normal rates for any representation-based immigration services. Network Attorneys will bill the member directly. LAW GUIDE Law Guide – An extensive library of easy-to-understand legal articles to help you research your legal situation. Provides overviews of general areas of law including, but not limited to, estate planning, consumer ● matters and family law. ● Gives specific information on legal issues including, but not limited to, wills, divorces and child custody matters. DIY DOCS® Do-It-Yourself Legal Documents - Online access to more than 300 state-specific documents authored and reviewed by attorneys for accuracy and state-specific compliance in all 50 states. These documents can assist you with everyday life, including issues involving: Automobiles Marriage ● ● ● Caregiving ● Real Estate ● Estate Administration ● Finances : Helps you efficiently create your own documents by Easy-to-Use Interactive Document Assembly Tool asking simple questions. My Documents : Online document storage and 24/7 access to create, update, retrieve and print your documents. Legacy Planning : Create essential legal documents yourself with the help of DIY Docs, including: Financial Power of Attorney ● Living Will ● ● Health Care Power of Attorney ● Standard Will AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 26 of 39 © 2018 5 SPM(11700)

27 Schedule of Benefits CAREGIVING SERVICES - ADVICE Telephone access for you to obtain legal advice and consultation on how the law relates to your parents/ grandparents legal matter and which actions may be taken. CAREGIVING SERVICES - Should your parents/grandparents legal matter require legal representation, Reduced Fee Services Network Attorneys provide reduced fee services of at least 25% off their normal rate for most legal matters. Payment of the attorney fees is handled directly between the parent/grandparent and the Reduced Fee Network Attorney. Access to a Reduced Fee Network Attorney is subject to availability. You are encouraged to contact ARAG to determine proximity to a Reduced Fee Network Attorney within legal practice areas. - As a member, you have toll-free access to a Care Advocate, who will: Caregiver Support Services ● Answer your eldercare-related questions, assess eldercare need and help you develop a care plan. ● Send you a customized information guide that contains lists of assisted living facilities, nursing homes or home health care agencies - including comparative quality-of-care ratings and reports on thousands of facilities and agencies - along with helpful eldercare information. ● Give you access to the nation's most comprehensive eldercare database with more than 90,000 long term care providers. Conduct searches to determine the availability and rates of assisted living facilities, nursing homes, ● home health care agencies and adult care providers. Advocate will negotiate discounts when available. ElderAnswers Website Plus, you will have access to the which provides you online access to quality- of-care ratings and reports, direct access to the provider database, and a wide-range of eldercare information. - As a member, you have access to a "go-to" guidebook providing you with the Caregiving Guidebook tools and resources needed to take a proactive approach in your caregiving role. TAX SERVICES This service provides you with year-round access to experienced tax specialist. You can call toll-free for a one-on-one consultation if you have questions or need advice regarding your personal, non-business related tax matters. Services include: ● Tips for state or federal filing of personal taxes ● Explanation of tax law changes Research on complex tax matters ● ● Advice regarding IRS Audits and notifications ● Review of last year's personal tax return Personal tax return preparation for only $50* ● *There is a $50 cost for each tax preparation (federal or state). Tax preparation is limited to returns that include forms 1040, 1040A or 1040EZ including Schedule A (Itemized Deductions), Schedule B (Interest and Ordinary Dividends) and Schedule D (Capital Gains and Losses). Returns with additional schedules shall be prepared and billed at a rate of $60 per hour. AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 27 of 39 © 2018 6 SPM(11700)

28 Exclusions and Limitations B . Exclusions and Limitations do not include any services or charges in Insurance Benefits . connection with any of the following: 1. Matters against ARAG, University of California or an insured against the interests of the named insured under the same Certificate. 2. Legal services arising out of a business interest, investment interests, employment matters, employee benefits, your role as an officer or director of an organization, and patents or copyrights. Legal services in class actions, punitive damages, 3. malpractice, court appeals or post judgments (settlement agreement signed by all parties, final binding arbitration, judgment issued by a court). 4. Legal services deemed by ARAG to be frivolous or lacking merit, or in actions where you are the plaintiff and the amount we pay for your legal services exceeds the amount in dispute, or in our reasonable belief you are not actively and reasonably pursuing resolution in your case. Plan Services do not include: 1. Matters against ARAG, the named plan member or the University of California. 2. Matters arising out of a business interest, investment interests, employment matters, employee benefits, your role as an officer or director of an organization, and patents or copyrights. 3. Matters deemed by ARAG to be frivolous or lacking merit. 4. Matters outside the jurisdiction of the United States of America. 1/ 39 Rev AR AG North America, Inc. 2fifi3ft2 Page 28 of 39 © 2018

29 Glossary Goods – A physical product that is capable of being delivered. Ownership of a good can be transferred from the Section IV seller to the buyer. Glossary Habeas Corpus – A writ of habeas corpus is a legal – A legal proceeding to take a case to a higher court Appeal document that forces law enforcement authorities to for rehearing. produce a prisoner they are holding and to legally justify his ARAG Legal Insurance Plan – The name of your legal or her detention. insurance plan which is underwritten by ARAG Insurance – Covered legal services which are Indemnity Benefits Company. reimbursed to the insured up to the benefit amount Attorney Fee – The amount charged by an attorney for his indicated under the specific coverage. The insured is or her time spent providing covered legal services. responsible for all legal services which may exceed the amount paid by ARAG. Class Action – An action in which one or more members of a numerous class, having a common interest in the subject – The “Insured” is dictated by premium paid and as Insured of litigation, sue or defend on behalf of themselves and all indicated by coverages listed in the “Benefits” section, the members. named insured only or the named insured and the named insured’s spouse, or domestic partner (who is registered – Twelve (12) month period as listed on the Certificate Year with ARAG) and/or eligible dependents as defined by declarations page of the policy issued to the policyholder. mutual agreement between the policyholder and ARAG. Codicil – A supplement or amendment to a will. – An event covered by this policy whose Insured Event initiation date will be considered the earlier of the date (a) – An action for the Consumer Protection Action written notice of a legal dispute is sent or filed by you or enforcement of written or implied warranties or promises received by you; or (b) a ticket or citation is issued; or (c) an relative to the lease or purchase of goods or services. attorney is hired. – An action in which one or more disputed Contested Legal Dispute – A disagreement between you and any other material issues must be litigated, determined and resolved party regarding your legal rights. through court, mediation, arbitration, or administrative proceedings; or substantial negotiation of opposing position – This is the time spent by an attorney and Legal Services is required to resolve the action. their office staff for your covered legal matters which does not include costs such as, but not limited to: filing fees, copy costs, – The date on which the policyholder enrolls Effective Date mileage, title insurance, expert witnesses, mediators, home the named insured and from which date premium has been studies, transcriptionists, title searches, and title abstracting. paid for you. Living Trust – A trust established and in effect during the – The University of California. Employer lifetime of the grantor. Also called Inter Vivos Trust. – Time spent by an General In‑Office Legal Services – A legal declaration, prepared in advance, which Living Will attorney and their office staff for your legal issue that is not directs the course of health care decisions and treatment; otherwise covered or excluded under this plan and which may ensure your medical care decisions are respected and does not include costs such as, but not limited to: filing carried out when you are unable to express them. fees, copy costs, mileage, title insurance, expert witnesses, mediator, home studies, transcriptionists, title search, and Named Insured – Is the person enrolled via the title abstracting. policyholder with ARAG as entitled to coverage under the terms of this policy. Rev AR AG North America, Inc. © 2018 2fifi3ft2 1/ 39 Page 29 of 39

30 Glossary Standard Will – A will document without trust provisions Network Attorney – An Attorney with whom ARAG has other than a support trust for dependent children limited contracted to perform covered legal services in the United to appointing a guardian and placing assets for dependent States for an Insured. children until they reach their age of majority. Non‑Moving Offense – Parking ticket, registration, Telephone Network Attorney – A telephone attorney equipment or other violations that aren’t handled in with whom ARAG has contracted to perform covered legal conjunction with a moving violation. services in the United States for you. – An Attorney who is not a Network Non‑Network Attorney – The proceeding in court or in a covered administrative Trial Attorney, chosen by you to perform legal services covered proceeding when the parties try their case beginning with under the indemnity benefits of this policy. the impaneling of a jury in a jury trial or with opening Paid‑in‑full Benefits – A legal service covered by the ARAG statement if the parties are in a non‑jury trial. Trial does not Legal Plan for which the fee for that legal service is fully paid include things such as hearings, appearances on motions, if a Network Attorney is used. negotiated pleas, pre‑trial conferences, or appearances, and continuances by the court. – A formal written document addressed to a court or Petition judge which states facts and circumstances, and contains a Trust – A document established to commit or place property; formal request for relief. (real or personal) in another’s care or name guardianship for minor children. Personal Property – Property, which is not real estate property and which does not produce income. – Action in which all matters are settled Uncontested without court intervention, mediation, arbitration, or Policyholder – Means the organization named in the substantial negotiation of opposing position. declarations page. – An insured. You and Your Primary Residence – The single dwelling where you actually live that is considered your legal residence for income tax purposes. – Land and all permanent structures attached Real Property to it. – You may choose any Related by Blood or Marriage Attorney who is not your parent, brother or sister, your spouse, your spouse’s parent, your spouse’s brother or sister, or your child or step‑child. Secondary Residence – A single dwelling (house, apartment, duplex, or condominium) that you have an ownership interest in and that is not your primary residence. Service – A duty or labor provided from one person to another. It is the non‑material equivalent of a good. There is no physical product that can transfer ownership. Service Provider – An individual or company with whom ARAG has contracted to perform covered services in the United States for an Insured. For example, Identity Theft Protection is considered a service provider. AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 30 of 39 © 2018

31 Grievance Procedures Section V The written notice will contain the following information: Grievance Procedures The specific reason or reasons for the denial; • Service Provider • The specific reference on the Plan provisions on which If you have a problem with a Service Provider in the handling the denial is based; of a service issued under the ARAG Legal Insurance Plan • A description of any additional information or material and you and the Service Provider cannot resolve it, a written necessary to correct your claim and an explanation of grievance is required. ARAG will provide you with a form and why such material or information is necessary; and information about filing the grievance. Appropriate information as to the steps to be taken if you • Network Attorney or your beneficiary wishes to submit your claim for review. If you have a problem with a Telephone Network Attorney or If your claim has been denied and you wish to submit Network Attorney in the handling of a legal matter covered your claim for review, you must follow the Claims Review under the ARAG Legal Insurance Plan, and you and the Procedure described below: attorney cannot resolve it, a written grievance is required. ARAG will provide you with the form and information about • Upon the denial of your claim for benefits, you may file filing the grievance with ARAG. your claim for review, in writing, with ARAG. • YOU MUST FILE THE CLAIM FOR REVIEW NO LATER If you are unable to find a Network Attorney, ARAG THAN 60 DAYS AFTER YOU HAVE RECEIVED WRITTEN guarantees you the opportunity to receive in‑network NOTIFICATION OF THE DENIAL OF YOUR CLAIM FOR benefits from an attorney. Our Customer Care Center will BENEFITS. work closely with you to ensure you receive covered legal You may review all pertinent documents relating to • services through an attorney in your area. the denial of your claim and submit any issues and You have the right to file a complaint with the State Bar comments, in writing, to ARAG. Association about your Attorney at any time. Your claim for review will be given a full and fair review. If your claim is denied, ARAG will provide you with written Appeal Procedure notice of this denial within 60 days after ARAG’s receipt If you believe you may be entitled to benefits that have been of your written claim for review. There may be times denied, or you are in disagreement with any determination when this 60‑day period may be extended. For example, that has been made, you may present a claim to ARAG. this extension may be made where there are special circumstances that are communicated to you in writing You must follow the claim and review procedure carefully within the 60‑day period. If there is an extension, a decision and completely and you must file your claim before the shall be made as soon as possible, but not later than 120 deadlines provided. If you do not do so, you will give up days after the receipt by ARAG of your claim for review. important legal rights. ARAG’s decision on your claim for review will be You must file your claim for benefits with ARAG within one communicated to you in writing and will include specific year after you knew or reasonably should have known of references to the pertinent Plan provisions on which the the principal facts on which your claim is based. After you decision was based. file your claim, you must complete the entire claim and You may, at your own expense, have an attorney or other review procedure before you can sue over your claim. It is representative act on your behalf, but ARAG reserves the important that you include all the facts and arguments that right to require your written authorization before providing you want considered during the claim and review procedure. information to a third party. ARAG also reserves the right to Your claim for Plan benefits will be subject to a full and fair delegate its authority to make decisions. review. If your claim is wholly or partially denied, ARAG will furnish you with a written notice of this denial. This written notice must be provided to you within a reasonable period of time (generally 90 days) after the receipt of your claim by ARAG. AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 31 of 39 © 2018

32 How to Use the ARAG Legal Insurance Plan If you require assistance from a translator during your call If you file your claim within the required time and complete to the Customer Care Center, please let your representative the entire claim and review procedure and your claim is still know. We will connect your call with the Language Line denied, you may sue over your claim unless you have executed Services through Transperfect. To obtain TTD assistance, a release of claims that includes a release of your claim for benefits. However, you must commence that suit within 30 please call 800‑383‑4184. months after you knew or reasonably should have known of B . Telephone Legal Advice and Consultation the principal facts on which your claim is based or, if earlier, six months after the claim and review procedure is completed. Telephone Legal Advice and Consultation Call toll‑free 800‑828‑ 1395 (TTD 800‑383‑4184) to connect Section VI to the Customer Care Center. How To Use The ARAG Legal Insurance Plan The automated telephone system will ask you to enter • A . Customer Care your Member ID. You will speak with a Customer Care Specialist. • Online Customer Care To reach the ARAG Legal Center, go to You will be transferred to a Telephone Network • and log in as a member, 24 www.ARAGLegalCenter.com ‑Friday, 9 a.m.‑5 p.m. Pacific time. Attorney, Monday hours a day, seven days a week. Telephone Caregiving Services • Enter your Member ID and your password. Call toll‑free 800‑247 ‑4184 (TTY 800‑383‑4184) to connect to Once you’ve logged in, you have access to all online • the Customer Care Center. Benefits including Online Legal Tools and Resources as well as access to a Customer Care Specialist, Monday ‑ • You will speak to a Customer Care Specialist, Friday, 5 a.m.‑5 p.m. Pacific time. ‑ Friday, 5 a.m.‑5 p.m. Pacific time. Monday Ask to speak to an Eldercare Advocate. • E‑mail Customer Care You will be transferred to an Eldercare Advocate, • You can e‑mail us at 24 hours a [email protected] ‑ Friday, 5 a.m.‑5 p.m. Pacific time. Monday ‑ day and our associates are available to help you Monday Friday, 5 a.m.‑5 p.m. Pacific time. E‑mail received after Your parents/grandparents will also have access to a regular business hours will be returned within a two‑hour Network Attorney for legal advice on elder law issues (e.g., time period on the following business day. Medicare/Social Security benefits, estate planning, real estate). They can also meet with a Network Attorney once a Telephone Customer Care year for an annual legal check ‑up. 1395 (TTD, please call 800‑383‑4184) Call toll‑free 800‑828‑ for the automated telephone system, 24 hours a day, seven Telephone Identity Theft Protection days a week. When prompted, enter your Member ID to ‑4184 (TTY 800‑383‑4184), 24 hours Call toll‑free 800‑247 access membership services. From there, you will speak to per day, 365 days per year, to connect to the Customer Care a Customer Care Specialist, Monday ‑Friday, 5 a.m.‑5 p.m. Center. Pacific time, who will enable you to: • You will speak to a Customer Care Specialist, • ‑Friday, Receive legal advice over the phone, Monday Monday ‑ Friday, 5 a.m.‑5 p.m. Pacific time. After normal 9 a.m.‑5 p.m. Pacific time. business hours, an automated telephone system will Learn how to use your plan or request materials. • ask you to enter your Member ID. • Obtain Benefit information or verification. • Request to speak with an Identity Theft Restoration • Get a list of claims that have been paid on your behalf. Specialist. • Hear about exciting new enhancements to your plan. • You will be transferred to a Restoration Specialist, • Get a claim form. ‑Friday, 5 a.m.‑5 p.m. Pacific time. Monday Obtain a list of Network Attorneys. • AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 32 of 39 © 2018

33 How to Use the ARAG Legal Insurance Plan General In‑Office Telephone Tax Services If you need an Attorney’s assistance on a matter that is not Call toll‑free 800‑247 ‑4184 (TTY 800‑383‑4184) to connect a covered service, you can use the General In‑Office benefit to the Customer Care Center. for advice or services related to any legal matter that is • You will speak to a Customer Care Specialist, not excluded under the ARAG Legal Insurance Plan (see Monday ‑ Friday, 5 a.m.‑5 p.m. Pacific time. Exclusions and Limitations). Ask to speak to a Tax Specialist. • Some examples of permitted use of the General In‑Office • You will be transferred to a Tax Specialist, benefits are: ‑ Friday, 7 a.m.‑3 p.m. Pacific time. Monday • Immigration Matters C . Legal Representation Defense of Felony • • Non‑employment related administrative hearings How to find a Network Attorney How to Use a Network Attorney • Log in to the ARAG Legal Center at • Contact the Network Attorney of your choosing, and tell www.ARAGLegalCenter.com and use the Attorney them you are an ARAG plan member. Finder. Give them your Member ID. • Or • The Network Attorney will bill ARAG for Attorney Fees for covered matters. Most covered services are paid‑in‑ • 1395 (TTD 800‑383‑4184) and a Call toll‑free 800‑828‑ full when you see a Network Attorney. You pay nothing Customer Care Specialist will provide you a confirmation ‑of‑pocket costs such as photocopying and but out package, including coverage determination in writing as miscellaneous court costs for most covered Benefits. ‑ well as a list of Network Attorneys in your area, Monday Friday, 5:00 a.m.‑5:00 p.m. Pacific time. How to Use a Non‑Network Attorney Or • 1395 (TTD 800‑383‑4184) to verify Call toll‑free 800‑828‑ Benefits with a Customer Care Specialist, Monday ‑Friday, • Call toll‑free 800‑828‑ 1395 (TTD 800‑383‑4184) and 5 a.m.‑5 p.m. Pacific time. the automated telephone system will fax you a list of Attorneys in your area, 24 hours a day, seven days a week Contact a Non‑Network Attorney. • • The Non‑Network Attorney will provide services for If there are no Network Attorneys located within 30 • covered matters. minutes of your home, we guarantee you’ll receive in‑network benefits for covered legal matters. Simply • The Non‑Network Attorney will bill you and you pay the contact the Customer Care Center and they will arrange Attorney directly. for you to receive covered legal services through an • To receive indemnity reimbursement, file a claim form attorney in your area. This guarantee does not apply for along with an itemized statement from your Non‑ Network Attorneys on matters that are used under the Network Attorney with ARAG for all covered matters. reduced fee arrangements. • Send your completed claim form along with your Non‑ Use the ARAG Legal app to view, sort and filter a listing of • Network Attorney’s billing statement to: local Network Attorneys who practice in the area of law ARAG where you need help. 500 Grand Avenue, Suite 100 Des Moines, IA 50309 • ARAG will reimburse you for covered matters as specified under Section II, Legal Representation. For additional claim forms you may: 2fifi3ft2 AR AG North America, Inc. 1/ 39 Rev Page 33 of 39 © 2018

34 How to Use the ARAG Legal Insurance Plan • Login as a member to the ARAG Legal Center at • Login as a member to the ARAG Legal Center at and download a claim form. www.ARAGLegalCenter.com www.ARAGLegalCenter.com and download a claim form. Or Or ‑Friday, 5 a.m.‑5 p.m. Call a Customer Care Specialist, Monday • Call a Customer Care Specialist, Monday • ‑Friday, 5 a.m.‑5 Pacific time, to receive a copy of the claim form. p.m. Pacific time, to receive a copy of the claim form. How to Use the Reduced Fee Network D . Filing Your Claim For not fully covered and non‑excluded items, you may be Network Attorney Services eligible to receive reduced fees of at least 25% off a Network If you receive services from a Network Attorney, you will Attorney’s normal hourly rate for in‑office legal advice and not need to file a claim form. The Network Attorney will call representation. ARAG to verify Benefits. Attorney Fees for covered How to Use: services will be provided by the plan. • Contact any Network Attorney and tell them you are an For matters that include a cap on the number of hours ARAG member. ARAG will pay a Network Attorney, and where your legal Give them your Member ID and proceed with your matter. • matter will exceed the cap set, the Network Attorney will • The Network Attorney will bill you directly at reduced bill you directly at reduced rates of at least 25% off his rates of at least 25% off his or her normal rates. You pay or her normal rates for the remaining hours. You pay the the attorney directly. attorney directly. How to Use Benefits Outside the United States Non‑Network Attorney Services 1395 (TTD 800‑383‑4184), to verify • Call toll‑free 800‑828‑ If you choose a Non‑Network Attorney, you generally Benefits with a Customer Care Specialist, Monday ‑Friday, must pay the Attorney in advance. When services have 5:00 a.m.‑5:00 p.m. Pacific time. If you can not access the been completed, send a Non‑Network Attorney claim form 800 number you may follow the steps below: directly to ARAG via U.S. Mail, email or fax, along with an • Contact a Non‑Network Attorney. itemized bill of the services provided by the attorney. The itemized bill must include: • The Non‑Network Attorney will provide services for covered matters. Date of service • The Non‑Network Attorney will bill you and you pay the • • Services provided Attorney directly. • Time spent in fractions of hours • To receive indemnity reimbursement, file a claim form Upon receipt, these claims will be processed with all other along with an itemized statement from your Non‑ paper claims received on the same day. Remittance will be Network Attorney with ARAG for all covered matters. made directly to the Plan Member in accordance with the Send your completed claim form along with your • terms and conditions of the plan’s Certificate of Insurance Non‑Network Attorney’s billing statement to: and at the rates and maximums laid out in the same ARAG Certificate of Insurance. 500 Grand Avenue, Suite 100 To obtain a claim form, call ARAG’s toll‑free customer care Des Moines, IA 50309 number or log in as a member to the ARAG Legal Center at • ARAG will reimburse you for covered matters as specified www.ARAGLegalCenter.com . under Section II, Legal Representation. A claim form and itemized billing are required within one For additional claim forms you may: hundred eighty (180) days after legal services for which you seek payment are completed. E . Additional Services 1/ 39 Rev © 2018 AR AG North America, Inc. 2fifi3ft2 Page 34 of 39

35 How to Use the ARAG Legal Insurance Plan prepare you for handling your legal situation. The following services are also available to you and include everything from self‑help tools such as educational How to Use: resources and actual legal documents, to assistance from experienced professionals to help with your legal needs. • Log in as a member to the ARAG Legal Center at and select a tool from www.ARAGLegalCenter.com Identity Theft Protection the Education Center. Features Single‑Bureau Credit Monitoring, Internet Surveillance, Change of Address Monitoring and Child Caregiving Services Identity Monitoring services. If you fall prey to identity Access to Network Attorneys and other professionals who can theft, you can rely on Identity Theft Restoration Specialists help you find caregiving options for your parents or grandparents. to help with Full‑Service Identity Restoration, and Lost This includes contacting a Network Attorney by telephone as Wallet Services. Should you become a victim of identity often as necessary to ask general questions or to talk about theft, Identity Theft Insurance provides coverage up to specific issues and meeting with a Network Attorney once each $1 million for expenses associated with restoring your year to review your parents’ or grandparents’ legal needs. identity. (Eligibility, coverage, limitations and exclusions are governed by a separate Master Policy. Please see the In addition, you can talk with an Eldercare Advocate who can Identity Theft Plan Summary for details, available upon assess eldercare needs and help develop care plans to meet request.) your specific caregiving needs. They can also search for available assisted living facilities, nursing homes, home healthcare How to Use/Setup Online Monitoring: agencies and adult day care providers to negotiate discounts for • Log in as a member to the ARAG Legal Center at facilities when available. . www.ARAGLegalCenter.com How to Use: • Select Log In under Identity Theft Protection. • Call toll‑free 800‑247 ‑4184 (TTY 800‑383‑4184) and request Caregiving Services assistance. • ‑time User: select “Create Member Account” to First activate the monitoring services.” Other adult dependents Tax Services need to select “Additional Adult Accounts” to activate the Provides you with year ‑round access to experienced tax monitoring services. specialists. You can call toll‑free for a one‑on‑one consultation if After activating a monitoring account, the Login link you have questions or need advice regarding your personal, non‑ will appear. business related tax matters. You’ll also benefit from discounted personal tax return preparation services. How to Use Restoration Services: How to Use (Tax Specialist): ‑4184 (TTY 800‑383‑4184) to Call toll‑free 800‑247 • • Call toll‑free 800‑247 ‑4184 (TTY 800‑383‑4184) and connect with an Identity Theft Restoration Specialist 24 request Tax Specialist assistance. hours a day, 365 days a year. DIY Docs® Education Center™ Create your own simple legal documents with the help of The Education Center offers you a wide range of educational ‑to‑use interactive software. Choose from a legal library easy tools and resources to help you better understand your of more than 350 documents. Legal documents include: legal needs. These online tools and resources include: Bill of Sale Forms • • ARAG Guidebooks – a collection of more than 35 • Complaint Letters Guidebooks with detailed information and checklists to Dispute Credit Card Charge Letter • assist you with common life events. • Lease Termination Agreement ‑to‑read – an e‑newsletter that delivers easy LawExpresso® • legal tips on everyday issues directly to your in‑box. How to Use DIY Docs: The Law Guide • – a vast collection of articles designed to inform you about the law, help you identify options and 2fifi3ft2 © 2018 1/ 39 Rev Page 35 of 39 AR AG North America, Inc.

36 How to Use the ARAG Legal Insurance Plan Log in as a member to the ARAG Legal Center at . www.ARAGLegalCenter.com Select “DIY Docs” under “Online Resources.” • • Search for the legal document relevant to your situation. Reduced Fee Benefit for Non‑Covered Matters This part of the plan offers reduced fees of at least 25% off the Network Attorney’s normal hourly rate, for services not covered and not excluded. How to Use: • Contact any Network Attorney and tell him or her you are an ARAG plan member. Give him or her your Member ID and proceed with your • matter. • The Network Attorney will bill you directly. Reduced Contingency Fees Network Attorneys can represent you under a contingent fee arrangement. The fee paid to the attorney is based on the success of your case and is a percentage of the amount of money awarded. The contingent fee cannot exceed 25% of the amount awarded before or after Trial, or cannot exceed 30% of the amount awarded if successfully resolved only after an appeal. How to Use: • Contact any Network Attorney and tell him or her you are an ARAG plan member. • Give him or her your Member ID and proceed with your matter. Rev AR AG North America, Inc. Page 36 of 39 2fifi3ft2 1/ 39 © 2018

37 Coordination of Benefits Section VII Coordination of Benefits The ARAG Legal Insurance Plan contains a no profit provision coordinating it with other legal plans under which you or your covered dependents may be covered so that the total benefits will not exceed 100% of the allowable expense. An “allowable expense” is any expense covered, at least in part, by one of the plans. “Plans” means these types of legal services benefits: (a) coverage under a governmental program or provided or required by statute, or (b) group insurance or other coverage for a group of individuals, whether insured or uninsured. This includes prepayment, group practice or individual practice coverage. When a claim is made the primary plan pays its benefits without regard to any other plans. The secondary plans adjust their benefits so that the total benefits available will not exceed the allowable expense. No plan pays more than it would without the coordination provision. A plan without a coordinating provision is always the primary plan. If all plans have such a provision: 1. the plan covering the individual directly rather than as the dependent, is primary and the others secondary; 2. if a child is covered under both parents’ plans, and the parents have the same birthday, the plan that covered the individual longer is primary; but when the parents are separated or divorced, their plans pay in this order: (a) if a court decree has established financial responsibility for the child’s legal expenses, the plan of the parent with this responsibility; (b) the plan of the parent with the custody of the child; (c) the plan of the spouse married to the parent with custody of the child; 3. if neither (1) nor (2) apply, the plan covering the individual the longest is primary. When your plan is the secondary plan and its payment is reduced to consider the primary plan’s benefits, a record is kept of the reduction. This amount will be used to increase your legal plan’s payment on any later claims in the same calendar year — to the extent there are allowable expenses that would not otherwise be fully paid by your ARAG Legal Insurance Plan and others. Page 37 of 39 AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev © 2018

38 Underwritten by ARAG Insurance Company, Des Moines, Iowa ARAG 500 Grand Avenue, Suite 100 Des Moines, IA 50309 [email protected] www.ARAGLegalCenter.com Access Code: 11700UC AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 38 of 39 © 2018

39 ARAG 500 Grand Avenue, Suite 100 Des Moines, IA 50309 ‑4184 800‑247 [email protected] ARAGLegalCenter.com Access Code: 11700uc AR AG North America, Inc. 2fifi3ft2 1/ 39 Rev Page 39 of 39 © 2018

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