ABOUT OUR COMPANY

Legal Club of America(tm) was formed in 1993, with the goal of providing Americans affordable access to the legal system. Legal Club of America Corporation, is located in Plantation, Florida, and is a publicly traded corporation on the OTCBB: under the symbol "LEGL". Over the last seven years the company has launched several new initiatives and as such has grown in to a national provider of products and services to consumers at the workplace.

The company's flagship product is the Legal Club Family Legal Plan, a nationwide discount legal referral service that provides members access to a network of over 22,000 attorneys that contract to provide members with free and discounted legal care.

Legal club has partnered with the nation's largest insurance carriers, benefit consultants and worksite marketing companies, to distribute their legal plan to employees of corporate America. Today, Legal Club possesses one of the most expansive distribution networks in the country. Thousands of captured and independent agents carry the Family Legal Plan as a seamless part of their voluntary benefits portfolio. Legal Club's legal plans are unique in the fact that they are not insurance in all 50 states. As such, our marketing partners don't have to be licensed to sell Legal Club products, and the products maintain their continuity across the country. Additionally, Legal Club products have no limitations on usage, no pre-existing condition exclusions and no waiting periods before usage is permitted. More importantly, Legal Club's proprietary attorney network is the only one in the country that caps it hourly rate at $75.00.

Beginning 2002, Legal Club launched PeoplesChoice™(PC) and expanded its role as a worksite marketing partner. PeoplesChoice™, a wholly owned subsidiary of Legal Club of America Corporation, is in the business of obtaining Agent of Record (AOR) letters from corporations interested in providing their employees with a voluntary benefits portfolio. Upon obtaining the AOR, PC awards the client to its insurance carrier partners who in turn award the case to their most qualified independent General Agencies. Legal club of America will continue looking for unique and innovative products to offer in the worksite marketplace. For more information about the company, please click on the contact us link and allow us to answer your questions.

Our international network of over 20,000 attorneys is professionally managed. Attorneys in our network average 19.4 years of experience. All plan-member attorneys must have a "BV" or better rating if listed in Martindale-Hubbell, provide us with a certificate of liability insurance, whether their state requires it or not, be in good standing with their respective state bar, have a law office in their respective state and carry a "Courtesy Rating" of "B" or better. In addition, Legal Club files a quarterly background disciplinary report with each state's attorney disciplinary department.

Courtesy ratings as well as background checks are done every three months. In addition, attorney firms must complete quarterly surveys reaffirming the accuracy of our database and knowledge of the plan. Besides Courtesy Rating surveys and quarterly background checks, we answer to our members. Problems that arise with a particular attorney are documented and can ultimately lead to expulsion from our network of attorneys.

Our attorneys abide by a discounted fee schedule in order to receive member referrals. For example, planmember attorneys provide Individual / Family Legal Plan members with 7 Free Services, charge a one-time fee for 8 Commonly Used Legal Services, give members a 10% discount on all contingency based cases and contract to charge no more than $75.00 per hour for any and all extended legal care.

Legal Club of America is not an insurance company and we have no financial relationship with our attorneys. This means that all of our legal plans have no exclusions, limitations, claims, or red tape. We provide the only legal plans in the country offered in all 50 states, Puerto Rico the U.S. Virgin Islands and China with the exact same benefits in all. Our members are entitled to use as many of our planmember attorneys, practicing any area of law available, anywhere in the country, as often as they need. Legal Club of America is dedicated to bridging the financial and emotional gap between Americans in need of legal care and the attorneys that provide it.

Upon enrollment, our members are immediately assigned an attorney and given a welcome package. Attorney assignments are based on language spoken, area of law needed, and geographical location. Any additional attorney assignments or reassignments are given via an 800 number over the phone.

INDIVIDUAL / FAMILY LEGAL PLAN

Legal Club of America is a nationwide discount legal referral service with a network of over 20,000 attorneys who have contracted to provide our members with numerous FREE and Discounted legal services.

When you become a member of Legal Club, you will be referred to a Plan Attorney based on three criteria: area of law, language spoken and location.

Membership includes you, your spouse and any dependents 23 and younger. You may use as many plan attorneys, practicing any area of law, any where in the country as often as you like.

The following outlines the free and discounted services provided by our network of plan attorneys.

Attorney Provided Services

Free Services:

• Phone consultations during business hours for new legal matters.
• Attorney review of legal documents (6 page max.) per new matter.
• Necessary calls/letters by your attorney.
• One-on-One consultations for new legal matters.
• Simple wills for you and your family.
• Helpful advice on representing yourself in small claims court.
• Assistance in solving your problems with government programs.

Discounted Fee Schedule:

Contingency Fee Discounts:

Attorneys often work on a contingency fee basis on cases such as personal injury and collections. This fee is usually expressed as a percentage of the amount collected or awarded. In some cases, fee maximums are set by state law. In these matters, member's fees will be a 10% reduction of the state maximum rate or the attorney's usual rate, whichever is lower.

Guaranteed Fixed Hourly Rates:

In the event a member requires extended legal representation, our
planmember attorneys have contracted with us to never charge more than $75.00 per hour for in or out-of-court representation. In most cases, the attorneys will be able to estimate the amount of hours any given case may consume prior to beginning work on the case.

At a cost of $124.00 per year, it's a benefit your family cannot afford to be without. Credit card customers can schedule three consecutive monthly payments of $43.34 for a total of $130.00.

"Membership is just $124.00 per year"

Join the Family Legal Plan

Family Legal Plan Planmember Guidebook

Thank you for joining the Legal Club of America®

WELCOME! 

For your convenience, we have compiled this guidebook to describe your plan member privileges. Please read this booklet carefully, as it contains all the benefits of membership, provided by your planmember attorneys. 

PART ONE
SECTION 1
Using The Legal Plan

SECTION 2
Free Attorney Provided Services

SECTION 3
Guaranteed Discounts and Capped Hourly Rates

SECTION 4
Definitions and Miscellaneous Information

SECTION 5
Exclusions

The Legal Club Toll Free Customer Service Telephone Number:  1(800) 305-6816 The hiring of a lawyer is an important decision. Before you decide to hire the lawyer to whom you are referred, please ask the lawyer for written information about the lawyer's qualifications and experience.  This membership is for a period of one year and will automatically renew unless written cancellation is received thirty (30) days prior to the renewal date.  All legal services benefits are administered by Legal Club of America Corporation.

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Family Legal Plan Planmember Guidebook

Index | Section 1 | Section 2 | Section 3 | Section 4 | Section 5

Part One - Section 1
USING THE LEGAL PLAN

All your legal needs, new or old, can now be attended to. Due to the volume of clients that Legal Club of America® refers to its participating attorneys, these attorneys have agreed to abide by the discounted fee schedule and provide the free services described in this guide book to Legal Club members. If you encounter any problems accessing these services, please contact our member service center for assistance or reassignment if necessary.

YOUR PLAN ATTORNEY

When a new legal problem arises, call your participating attorney during normal business hours. His or her name and number are on your Legal Club welcome letter. All participating attorneys are pre-qualified, licensed and registered to practice law in your state. They will be there to assist you with your legal problem. 

Only participating attorneys are obligated to provide our plan members with our low discounted fees. Personal and family legal situations are eligible for these fees. Many of the attorneys may agree to handle business matters for you; however, the plan rates do not apply to these problems. You should call the member service department for details on legal Club of America's Small Business legal Plan if a business related legal need arises. 

You have been assigned an attorney based upon your geographic location, language preference and specific legal need (if given). If you wish to use another attorney in the Club, simply contact member services so they can refer you to another participating attorney. Attorneys are listed by location, area of practice and foreign language capability.

There are participating attorneys available to handle your problems in almost every area of the law. These include: Family Law, Personal Injury, Criminal Law, Real Estate, Wills and Trusts, Estate Planning, Traffic and D.U.I. related offenses, Incorporation, Worker's Compensation, Employment Law, Social Security Law, Landlord/Tenant, immigration, and other legal matters. Many of the participating attorneys either speak foreign languages or have translators available for clients requesting this service. 

CALLING FOR LEGAL ADVICE

Please be sure to have your membership number handy when calling your plan attorney for the first time. You must notify the attorney's receptionist that you are a Legal Club member and give your membership number.

You will then be required to give a brief description of your legal situation so the attorney with the expertise required for your problem can receive your call. You and your attorney will then decide whether a face to face consultation is necessary. This is a personal decision between you and your attorney and may differ with each new legal situation. 

Your initial in-person consultation for new legal matters is a members privilege with no additional charge. After the initial visit, your cost will never exceed the published rates outlined in this plan member guidebook. You and your attorney will discuss which payment option is applicable to your personal legal situation. Please refer to section 3. 

You will pay your attorney directly for any legal expenses you may incur in accordance with this guidebook. Each attorney may have different payment plans, available, please ask your attorney for their specific requirements. Attorneys may charge a retainer fee at the discounted rates.

CONFIDENTIALITY

You can rest assured that all of your legal matters are guaranteed to be exclusively between you and your plan attorney. Legal Club of America® will not interfere in any way with the attorney/client relationship that you have established. Participating attorneys are obligated by their State's Professional Code of Ethics to maintain the utmost confidentiality in their attorney/client relations. 

For quality control purposes, you, as a plan member, agree that participating attorneys may furnish the Legal Club of America® with anonymous information concerning billing, area of practice, and time spent. This statistical information allows us to make sure that you are receiving the full benefit from your membership. 

FAMILY ELIGIBILITY

Upon enrollment, you become a plan member of the Legal Club of America. Your immediate family may utilize your plan privileges in the same capacity. Immediate family members include your significant other and any unmarried dependent children who are under 23 years of age. Individuals that are living with you and are categorically dependent upon you for support are also included. These individuals include mentally challenged individuals or court appointed dependents. Unless requested by you as administrator or executor, services to an individual's estate are not available at plan rates. 

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Family Legal Plan Planmember Guidebook

Index | Section 1 | Section 2 | Section 3 | Section 4 | Section 5

Part One - Section 2
FREE ATTORNEY PROVIDED SERVICES

The following services are available at no charge from your plan attorney. Please read this section carefully. 

A. During normal business hours, you may call your plan attorney with any new legal matter. A new legal matter is one about which you have never spoken to the attorney before. Your attorney will listen to your problem, advise you about your legal rights, and help you find a solution to your problem. In some cases further legal advice may be unnecessary. If not, you may be advised on how to solve your problem by yourself. If further representation is necessary, then you and your attorney will decide the next step. You may be responsible for long distance toll charges for telephone calls made by your attorney to you or on your behalf. 

B. Before you sign on the dotted line, bring your legal documents to your plan attorney for review. Legal documents include: loan agreements, leases, residential real estate contracts, employment agreements, etc. Your plan attorney will review up to 6 pages at no charge. Additional pages may be reviewed or the entire document may be rewritten at the guaranteed low hourly rate of $75. plus costs. Documents that are part of an on-going case, require extended legal service or require third party negotiation are not included in this section. 

C. Phone Calls and Legal Letters often help resolve legal matters. When necessary, your plan member attorney will write an initial letter or make an initial phone call on your behalf. letters, or legal situations which need further negotiation with third parties, are part of an ongoing case, and letters related to collection matters will accrue additional charges. These charges are not to exceed the guaranteed low hourly rate. 

D. In-Person Consultations - for any new legal problem are available at no fee. When further meetings concerning the same matter are necessary, your attorney will inform you that additional charges will accrue at a rate of no more than the guaranteed low hourly rate. 

E. If a simple will fits your needs - your plan attorney will prepare a simple will or update an existing simple will for you and eligible family members at no charge. You are also entitled to have the simple will updated at no additional cost. A simple will covers the distribution of personal property and homestead generally and does not include specific bequests, guardianships, complex tax matters, trusts, or estate planning. If your financial or legal situation requires you to have a more complex will, your attorney can draft the will at a fee no more than the guaranteed low hourly rate or guaranteed fixed fee if your will qualifies. Fixed fees are reviewed later in this guidebook. 

F. Before you represent yourself - in small claims court, contact your plan attorney for advice and strategy on how to plan and prepare your case at no cost. Your attorney will counsel you over the phone during this initial consultation about how to prepare the necessary paperwork to represent yourself. If necessary, your plan attorney may prepare the paperwork for you at an additional fee in accordance with the discounted rates. 

G. When government red tape - has you going around in circles, your plan attorney will assist you during an initial consultation in locating the proper agency and counsel you in how to cut through the red tape of government programs like Social Security and Medicare at no cost. Your plan attorney can formally file for services and represent you at no more than the guaranteed low hourly rate. 

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Family Legal Plan Planmember Guidebook

Index | Section 1 | Section 2 | Section 3 | Section 4 | Section 5

Part One - Section 3
GUARANTEED DISCOUNTS AND HOURLY RATES

The following are special privileges that your plan member attorney can provide in addition to those discussed in Section 2.

You and your attorney will discuss which of these options is applicable to your situation. The plan member is responsible to the attorney for all expenses incurred, including legal fees, filing fees, costs, and legal bills of family members using the plan. 

These special privileges are: 

GUARANTEED LOW HOURLY RATES

GUARANTEED DISCOUNTED CONTINGENCY FEE PERCENTAGES

GUARANTEED LOW FIXED FEES 

You may be required to pay a retainer in advance of any filing fees, attorney fees, or other costs. Also, you may be billed for costs such as photocopying, postage, long distance toll charges, travel expenses, etc. Once retained, your plan attorney can provide you with full legal representation including office work, in-court appearances, investigation, research, drafting, negotiation, appeals, etc. 

Please read this section carefully. 

GUARANTEED LOW HOURLY RATE
After the initial no cost consultation, you and your attorney may decide that further legal work or representation may be required. If this is the case, you and your attorney may agree to handle the matter at an hourly rate. Family Plan members are privileged to have a guaranteed low hourly fee not to exceed $75 per hour. The attorney can often estimate how many hours any given case may take. All costs and filing fees are additional.

If services have already been incurred on the guaranteed low fixed fee schedule outlined in this section, a matter may thereafter become too complex than originally anticipated. If a matter is no longer qualified under the guaranteed low fixed fee schedule, you may switch to the hourly rate of no more than $75 for attorney services. 

For example, a simple uncontested divorce may suddenly become a contested nightmare. If the attorney had already worked for many hours on the divorce, you would pay the guaranteed low fixed rate in the schedule of $210 as agreed and then no more than $75 per hour for the remainder of the work needed to resolve the matter. Of course, you and your attorney must be in full agreement of these fees. 

GUARANTEED DISCOUNTED CONTINGENCY FEE PERCENTAGES
Attorneys often work on a contingency fee basis in matters dealing with personal injury damages and collections. In these cases as well as others, the attorney agrees to be paid a percentage of the recovery or award rather than a set rate or hourly fee. 

In some cases, contingency fee maximums are set by state law. In these matters, your fee will be the lower of either 10% less than the maximum fee set by state law or the attorney's usual fee. For example, if your state has a fee maximum of 30%, you would pay the lower of either 27% or the attorney's usual fee. If the attorney would normally charge 25%, you would pay this percentage because it is the lower rate. 

Where state law does not set maximum levels for contingency fees, your guaranteed discounted rate will not exceed 29% if settled before trial, 36% if awarded during or after trial, or 40% if settled or awarded after an appellate brief is prepared.

Guaranteed Low Fixed Fees - On the following selected services, the Legal Club Plan member Attorneys have agreed to charge the following guaranteed low fixed fees. Please read the definitions section of this guidebook carefully to see whether your legal problem will qualify for the guaranteed low fixed fees. These prices are for the legal fees only and do not include any applicable filing fees or costs.

Legal Service*	Privilege Rate
Traffic Ticket Defense	$ 89.00
Bankruptcy Chapter 7	$250.00
Name Change	$155.00
Will (with Simple Minor Trust)	$170.00
Non-Support (Spouse/Child)	$239.00
Divorce (Simple)	$210.00
Corporation (Regular)	$239.00
Non-Commercial Real Estate	$175.00
(The fees listed above do not include additional filing fees, costs, or administrative expenses. They are only for legal services rendered.) * See section 4 for details and definitions.

If your problem does not qualify for the fixed fee rate, you and your attorney can agree to the guaranteed low hourly fee. Your attorney can even estimate the amount of hours it will take to resolve your problem. 

Criminal law matters are usually handled by attorneys at fixed rates. The rates quoted to members by participating attorneys vary due to the differing facts and circumstances of each case. The attorneys base these fixed fees upon an estimate of how many hours of work and expenses that any given case may consume in conjunction with the low hourly plan rate. Retainer fees may also vary depending upon the severity of the case at hand and the jurisdiction where the case is located. 

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Family Legal Plan Planmember Guidebook

Index | Section 1 | Section 2 | Section 3 | Section 4 | Section 5

Part One - Section 4
DEFINITIONS & MISCELLANEOUS INFORMATION

DEFINITIONS
Please read this section carefully to be sure of all of your benefits.

BANKRUPTCY CHAPTER 7 includes preparation of the petition, documents, and schedules. Filing fees, court appearances and costs are additional. Attorneys may charge one fixed rate which would include the basic fixed fee plus costs, court time and expenses.

CORPORATION (REGULAR) includes preparation of the incorporation documents, articles of incorporation, by laws, and the minutes. Does not include filing fees, costs or the corporate kit. Any extended work for the new corporation is not eligible for family plan discounts.

DIVORCE (SIMPLE) is when the plan member's spouse is not represented by separate counsel, there are no minor children under age 18, marital assets are less than $70,000 and all issues are agreed to without aid of counsel. This does not include court appearances, the filing or preparation of documents affecting property or costs, or separation agreements.

ELIGIBLE FAMILY MEMBERS are the plan member's significant other and unmarried dependent children household who are under the age of 23 and any categorically dependent individuals living in the plan member's home.

NAME CHANGE obtaining name change for plan members and eligible family members where it is not contested or challenged. This includes preparation and filing of documents only. Court representation,
filing fees and costs additional.

NON-COMMERCIAL REAL ESTATE CLOSING includes reviewing purchase or sale agreements, one hour of telephone counseling, and a one hour appearance at closing for the purchase or sale of residential real estate not used for business or investment purposes. Title policy, other documentation and extended counseling (if any) is an additional charge.

NON-SUPPORT (SPOUSE/CHILD) includes the preparation for and the attendance at a single hearing for judgments or contempt citations for non-payment of alimony, child support or maintenance and one hour of collection efforts after the hearing. Preparation does not include obtaining or discovering evidence, extended court time, and extended collections work.

PLAN/PARTICIPATING ATTORNEYS are licensed and qualified to practice law in your state, are required by the company to maintain professional liability insurance, and have contracted with Legal Club of America to provide legal services to plan members as outlined in this Plan member Guidebook for the law areas that they handle and the cases that they accept.

PLAN MEMBER is any person who has contracted with the Legal Club of America for a membership in the plan and has a current paid membership.

SIMPLE WILL (NO CHARGE WILL) a will distributing personal property and homestead generally and not involving trusts, specific bequests, real estate, tax matters, guardianships, living wills, health care proxy, or partitions.

TRAFFIC DEFENSE generally includes the preparation of court documents and attendance at a one-time only court hearing to settle the issue. Does not include court costs, fines, additional hearings or other related expenses. Does not apply in jurisdictions that consider traffic offenses to be criminal matters. 

WILL WITH SIMPLE MINOR'S TRUST a simple will with a minor's trust for the surviving minor children of the planmember. This will is eligible for the guaranteed low fixed fee. It does not cover other kinds of trusts, complex tax matters, administration or estate planning. These additional estate planning matters can be handled under the guaranteed low hourly rate. 

MISCELLANEOUS INFORMATION

Participating attorneys are bound by their state's professional code of ethics. They will advise you if they have a conflict of interest in taking your case. Attorneys have the inherent right to decline a case for any reason. If this occurs, you may be referred to another attorney on the plan by calling the customer service center of Legal Club of America® for assistance. 

The Legal Club of America® reserves the right to terminate your membership if you are delinquent in paying your membership fee. Also, Legal Club of America® may cancel your membership only after ten days notice to you. Further, you may cancel your membership at any time by written notification only. Membership dues are fully refundable for thirty (30) days following the initial enrollment unless otherwise contracted. 

Membership fees, terms, and fees charged by plan attorneys are subject to change only after prior notice to the plan member. 

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

Legal Club of America® is not liable to indemnify or reimburse any plan member or participating attorney for any attorney fees or costs generated by the plan member. 

The plan member is to use the plan for personal and family legal services only and not for businesses owned by the plan member or for investment matters. Legal work for any corporation or business entity is available at discounted rates through the legal Club of America Small Business Legal Plan.

The penalty for deceiving the Legal Club or any plan attorney for the purpose of utilizing the plan for a non-eligible family member is automatic termination of plan privileges and immediate notification to the plan attorney about the termination. 

Legal Club of America® Corporation, its subsidiaries, State Bar Associations and other regulatory agencies do not guarantee the quality or quantity of legal services that are provided by plan attorneys. However, all participating attorneys are checked by the company with the attorney's respective Bar Associations periodically, not less than annually, to verify that they are in good standing. 

The plan attorneys in their attorney/client relationship have the sole responsibility for providing legal services to the plan member. 

Legal Club of America® Corporation, is not a law firm, insurance carrier or a provider of legal services. 
Plan members have the right to file a grievance concerning any attorney's professional conduct with the proper regulatory authority in their state. 

All memberships shall automatically renew at the end of each membership term, unless Legal Club is notified in writing at least thirty (30) days prior to the end of the term. 

The term "guarantee" as used in this guidebook refers to the guarantee that Legal Club of America® will find and refer its members to an attorney that will abide by the fee schedule outlined herein. If Legal Club of America® cannot find such an attorney for a member, the member's only recourse is a refund of their membership fee. 

Legal matters in states where Legal Club is not available. Plan privileges and pricing schedules may vary by State in accordance with regulatory authority mandates. 

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

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Family Legal Plan Planmember Guidebook

Index | Section 1 | Section 2 | Section 3 | Section 4 | Section 5

Part One - Section 5
EXCLUSIONS

The following matters are excluded from your plan privileges:

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

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

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

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

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

Legal matters related to personal or family matters.

For more information please contact:

Customer Service
8551 W. Sunrise Boulevard
Suite 105
Plantation, FL 33322

800-305-6816

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Common Occurrences & Resolutions

This section is provided in order to introduce our members to some of the commonalties that exist with the legal system. Many of our members have never used the legal system and as such occurrences that are common to some are foreign to most. Below is a list of common occurrences and resolutions.
Remember that many problems experienced by our members are simply miscommunications between them and the attorney's office. If you are unable to work a problem out on your own, we invite you to call Legal Club of America® for an immediate solution. You can reach Customer Services at (800) 305-6816, Monday through Friday, 9:00am-8:00pm EST.

Why has my attorney not called me back?

This is a very common occurrence. Attorneys are often in deposition or court and as such they may not call back for two or three days. In order to remedy this, the HR Director should ask the employee when they called the attorney and whether or not they have a court date in the next 2-3 days. If so, the employee should call LCOA for immediate intervention and/or reassignment.

Why does the attorney or individual answering the phone say they have never heard of Legal Club of America® or that they do not know if they are a part of the program?

This problem is generally a misunderstanding as a result of a new secretary answering the phone. In addition, many attorneys, like doctors, are part of several plans and as such they sometimes forget the names of all of them, or the fee structure involved. Simply call Legal Club of America® for immediate intervention and/or reassignment.

I believe the attorney assigned to me is too far away.

This is generally not a problem at all. Members need to understand that most legal care can be handled over the phone, by fax or email. If you need to visit the attorney, a one-hour drive to save thousands of dollars, once or twice a year is well worth it. This is truly a case of not being familiar with the legal system. Unlike doctors, who must look at you for treatment, the same is not the case with attorneys. If a local attorney is not available and is needed for a court matter, the Legal Club of America legal staff will scout the area to recruit one. In the mean time, the member can call the attorney assigned for counseling and services.

The attorney is not following the fee schedule.

Attorneys are often part of several plans and as such they confuse fee schedules. First, make sure that you identify yourself as a Legal Club member. If the fee schedule is still not followed, call us immediately so that we can intervene, reeducate the attorney and get things moving in the right direction. If the attorney is not cooperative we will immediately reassign you to another attorney. Our Legal Department professionally manages our nationwide network of attorneys and every quarter "Professionalism Checks" are performed on all of our attorneys. This communication helps to maintain the attorney's awareness of your exclusive fee schedule as a Legal Club member.

The attorney was not nice.

Unfortunately, attorneys can be abrasive. This is not always true but it does happen. Realize that this aggressive and perhaps intimidating attitude may also play to your advantage if it comes time for that attorney to represent you in whatever capacity you require.

My Plan attorney won't take my case.

Accepting a case is left to the personal judgement of the attorney. The attorney may determine that the case lacks merit in which case, they are truly trying to save the member the time and money of pursuing a potential losing case. In addition, the attorney may be too busy to give the member the time and care they require. In either situation, members should call Legal Club of America® and request another attorney. They may use as many plan member attorneys as they like. Results with the next attorney could differ.

Communications

Remember that the majority of perceived problems are usually miscommunications between the member and the attorney's office. A call to Legal Club of America® can always solve this. Follow the guidelines above and first try to solve any problems on your own. However, when in doubt or if your problem persists, call Customer Services at (800) 305-6816, Monday through Friday 9:00am-8:00pm EST.

Q. - Can I change my attorney and how often?
A. - Yes. As often as you like, without limit. Simply contact Legal Club's customer service department at (800) 305 - 6818.

Q. - Must I always use the attorney referred to me in my welcome letter?
A. - No. This attorney either matches the criteria you asked for in your initial application and/or is a general practitioner that can usually assist you in completing your Free simple will, as well as consult with you on many different legal issues. You may change your initially referred attorney for any reason, at any time, and make use of as many attorneys in the network as you like.

Q. - How close will my attorney be to my home or office?
A. - In all cases we try to refer an attorney to a member that is as close as possible. We guarantee a 30 mile limit. It is well worth the trip if a member can save thousands of dollars. Additionally, a great deal of the legal care required by members can be handled over the phone, fax and/or by email. Items such as document review, consultations and Free simple wills are perfect examples.

Q. - Do plan attorneys have to take my case?
A. - No. A plan attorney, after providing you with a free consultation may determine that your particular legal issue does not warrant any further action. If you disagree with the plan attorney, feel free to call Legal Club for another attorney referral for another legal opinion. You may do this as often as you like. In other cases, the law firm or attorney you were referred to may simply be too busy to give your situation the proper attention it deserves. If this happens, they have been instructed to have you call Legal Club for a new referral.

Q. - Can plan attorney ask me for a retainer?
A. Yes they can. Upon completion of a free consultation, you and your attorney may decide to proceed with further legal action. This could require a substantial amount of hours being spent on your case by your plan attorney. If such a situation arises, your plan attorney may ask for a retainer based on the estimated number of hours he or she thinks the case will take. As a plan member the retainer will be calculated using the rate of $75.00 per hour.

Q. - What can't I use the plan for?
A. - The services of your attorney can not be used to adversely affect your employer, the agent who sold you this program or Legal Club of America.

Q. - Is this plan insurance?
A. - No. Our plan is a Group Legal Service program that is not insurance in any of the 50 states.

Online Consultation Page

State Specific Law
Find out what the laws are in your state on certain issues.

California Law & Estate Planning
http://www.ca-probate.com/links.htm

Law by State
http://wwlia.org/us-home.htm

Legal Forms
Ready to use forms for you to download and use.

Legal Documents
http://www.legaldocs.com/

Legal Forms
http://www.legalform.com

US Legal Forms
http://www.uslegalforms.com

Books & Publications
Helpful books you can and should read.

Dictionaries
http://www.onelook.com/

Duhaime’s Law Dictionary
http://www.duhaime.org/dictionary/diction.htm

FindLaw Books and CR-ROMs
http://www.findlaw.com/store/

Software Legal Book
http://www.soft-law.com/

Software
Free downloads to help you with the law.

Legal Software: Family, Estate, and Business
http://www.broderbund.com/Product.asp?OID=4149011&SC=1105630

Understanding the Legal System
An education on the Law and different legal matters.

Accident Law
http://www.freeadvice.com/law/500us.htm

Bankruptcy Law
http://www.freeadvice.com/law/506us.htm

Business Formations
http://www.itslegal.com/infonet/business/businessmain.html

Business Law
http://www.freeadvice.com/law/512us.htm

Consumer Law
http://www.itslegal.com/infonet/consumer/consumermain.html

http://www.consumerlaw.org/

Credit and Debt
http://www.itslegal.com/infonet/credit/creditmain.html

Criminal Law
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CONTACT LEGAL CLUB OF AMERICA

Legal Club of America Corporation
Corporate Headquarters
8551 W. Sunrise Blvd.
Suite 105
Sunrise, Florida 33322
(954) 377-0222

Member Services:
Available Monday through Friday, 8:30am- 8:00pm E.S.T.
1-800-305-6816

Customer Service:

Customerservice@legalclub.com

Website Inquiry:

Webmaster@legalclub.com

Legal Department :

Marci Rubin
(954) 377-0222 x101
marci@legalclub.com

Anthony McCoy
Director of Attorney Recruitment and Referrals
(954) 377-0222 x122
tonym@legalclub.com

Agent Services:

Yvonne Mastrangelo
(954) 377-0222 x 128
yvonne@legalclub.com

Sales Department:

Carmen Mastrangelo
National Accounts Manager
(954) 377-0222 x 103
carmen@legalclub.com

Executive Offices:

Karen Greisman
(954) 377-0222 x104
kgreisman@legalclub.com

Agent Recruitment & Training:

Carmen Mastrangelo
(954) 377-0222 x 103
carmen@legalclub.com

Legal Club Financial
d/b/a PeoplesChoice™ :

Simon Reynolds
Vice President
(954) 267-0920 ext. 102
sreynolds@legalclub.com

The MembersNetwork Dental Savings Plan allows members to receive dental service at a reduced fee when used at over 27,000 participating dental providers. Fee's are based on the MembersNetwork Dental fee schedule. Save up to 50% on dental care expenses today. This Plan includes a 30-Day Money Back Guarantee.

• Search for participating providers by clicking HERE
• View the MembersNetwork dental fee schedule
• How do we compare to the competition?

The MembersNetwork dental plan covers the entire family and is backed by a full 30-day satisfaction guarantee!

Save up to 50% on most dental procedures including routine oral exams, unlimited cleanings and major work such as dentures, root canals, crowns, oral surgery, cosmetic dentistry and orthodontics at over 27,000 Dentists who are providers in the MembersNetwork Dental Network. There are No waiting periods, No claim forms, No pre-existing condition clauses and there is No maximum on yearly benefits.

According to the American Dental Association, approximately 50% of the American public does not have any form of dental insurance. These individuals rely on their own personal income to pay for needed dental care.

The MembersNetwork dental program is designed to lessen the burden to non-insured individuals for the cost of dental care by making dental care more affordable. MembersNetwork members and their dependents can save on all dental care expenses through the largest network of dental care providers nationwide.

For individuals with dental insurance, our dental program can lessen the out-of-pocket cost. Many dental insurance plans pay less than 100% of the cost of care, and the MembersNetwork preferred pricing schedule reduces the member's cost. MembersNetwork Dental is not insurance, so there are no claim forms, no maximums and no deductibles.

The MembersNetwork Dental Plan will provide cost savings not only on routine and preventive care, but on more extensive treatment such as fillings, crowns, root canals, dentures, bridges, oral surgery, and orthodontics. With MembersNetwork Dental Plan, members can expect to save up to 50% on dental care expenses. Actual costs will vary per region.

The discounts on the dental program vary by geographic region. Each participating dentist agrees to charge MembersNetwork Dental Plan members according to the fee schedule for that geographic area. The fee schedule is a part of the participating dentist's contract. MembersNetwork Dental Plans are NOT available in Washington State at this time.

MembersNetwork Dental Programs

MembersNetwork 100 Series (standard discount) - The fee schedule represent as much as 50% discount off national averages. Currently our provider base for this program exceeds 25,000. Compare our fee schedule with the competition - your savings are greater!

• View the MembersNetwork 100 Series dental fee schedule.

Coast to Coast Vision Plan Discounts

Your MembersNetwork Vision Plan membership card gets you instant savings on a full range of vision care products and services.

• Save up to 30% on complete eye exams
• Save up to 50% on prescription lenses
• Save up to 50% on all prescription frames -- includes designer frames
• 25% savings on all non -prescription sunglasses
• Save up to 60% on contact lenses and exams

Your MembersNetwork Vision Plan membership makes it easy for you and your family to save on the professional vision care you need.

The MembersNetwork Vision Plan offers you valuable vision savings like these:

Vision Service

Average Price²

MembersNetwork Price

Your Savings^*

We offer the most affordable and comprehensive reduced fee dental program available.

Why pay more for a benefit when you don't have to?

Enroll in our Dental Plan TODAY and Receive a FREE Discount Rx plan.

This dental plan is covered with a 30-Day money back guarantee. If your not satisfied for any reason, we will refund the entire purchase price if you cancel within the first 30 days. Learn more about our guarantee.

The savings we show are real. Many companies show greater discounts. How do they achieve these 75%+ discounts? It's simple, they inflate the usual and customary fee to show you a greater discount. Place our fee schedule next to theirs and you will see that your final cost for service will be even more substantial.

How do we offer our plans at such a low price? We work directly with insurance companies so there is no middle man to compensate. We only market our plans on the internet through our various web sites. We don't recruit brokers or agents and this allows us to offer you benefit plans at the lowest possible price.

Our dental plans are available throughout the US. Please check our provider search for providers in your area.

*All plan comparisons include the entire family.

30-Day 100% Satisfaction Money Back Guarantee!

Your complete satisfaction is our #1 priority! We stand behind our customers and want to insure your satisfaction with our program. We know you will be happy with the quality of dental and vision care you'll receive from the medical professionals in our networks, as well as the tremendous savings you'll enjoy. In fact, many people feel our dental/vision benefit savings program is one of the most beneficial services they have ever received!

HOWEVER, once you receive your enrollment pack, if you are not completely satisfied (for any reason whatsoever), simply return your MembersNetwork Dental/Vision Plan ID cards that are included within 30 days of your enrollment date and you'll receive a complete refund of your plan fee even if you have used the card to obtain any savings benefits from any of our medical professionals during this period. This allows you to review the program risk-free in the privacy of your home. After the initial 30 day period you can still cancel your membership for a refund of the unused portion of your plan.

How can we offer our programs at such an affordable price? It's simple - We don't depend on just one plan or program to generate revenues. We offer dozens of insurance and insurance type programs to consumers, employers and groups nationwide either direct or over the Internet.

Frequently Asked Questions

How often can I use my Dental/Vision?
You can use your plan as often as you like.

How long will it take to receive my card?
Online Orders are usually entered into our system within two business days. You will be able to use your Dental benefits as soon as you are entered into the network database (usually within 3 business days). Expect to receive your MembersNetwork Dental/Vision card within 7-10 days.

What do you do with the information I supply with an online order?
The information you supply is used strictly for access to our networks. Any information that you supply is kept confidential and will not be sold or used for any other reason. If you don't want to provide your social security number, simply enter the number 123-45-6789. For more information on your privacy, please read our Privacy Statement.

Why do I need a MembersNetwork Dental/Vision savings plan?
You need this plan to help you save money on health-related expenses. Using our plans you can get access to quality services and providers, sometimes at a fraction of the cost. Keep in mind that just because you are getting a discount does not mean you are getting lesser service or quality. Everything remains the same-except a higher price tag. It's like getting the same price the insurance companies have been getting all along.

Is your plan a health insurance plan?
No. These plans provide discounts and savings for health care expenses such as dental, vision, hearing, chiropractic, and prescription drugs charges through participating providers.

What else will I receive with my membership card?
You will receive a complete package in the mail detailing how you can use your Benefits program, as well as a personalized provider list.

What if I'm not satisfied with the plan coverage?
If you are not satisfied with your plan, you may cancel your MembersNetwork plan within the fist 30 days and receive your money back for the membership.

Can I use your discount plans to supplement my insurance benefits?
If your insurance does not cover the services our plan covers, yes, you may use it to provide discounts on services not covered. However, you may not use this plan with any other discounts you might receive. (For instance, in the event you have a set co-pay, you cannot use this plan to provide a discount in addition to the co-pay.) It is still important to note that our dental/vision plans are NOT AN INSURANCE PLAN, nor is it intended to replace ANY INSURANCE you currently have.

What kind of discounts will I get?
In most cases, you will pay a pre-negotiated fee for services rendered. In other cases, you will receive a discount on items, such as contact lenses or eyeglasses.

Provider Information

How can I check to see if there are any providers in my area?
Once you choose your plan, click on the "provider search" You can enter your ZIP code in this area and you will be given a list all providers in your area.

How will a provider know if I am enrolled in your plan?
After you are enrolled, you will receive a membership card in the mail that identifies you as a member. When you are paying for a service, simply present your card at the time of service/payment.

Search for Providers

	SEARCH FOR PROVIDERS IN YOUR AREA
As a member, you have access to over 25,000 dental care providers nationwide. Search for: Dental Care Provider Vision Care Provider Enter your zip code and click Search: