Genmab, Inc.

“PLAN” ATTORNEY” - means an attorney associated with a private law firm, who is licensed to practice law in the Member’s state. These attorneys have been contracted to provide legal advice and simple service by telephone to Members.

“ADMINISTRATOR” - means LegalPlans USA, L.L.C.; or its subsidiary.

“MEMBER SERVICE CENTER” - means the service location established to help make full use of the certificate benefits.

“COMPLEX WILL” - means the Member has a significant net worth and will benefit from tax planning, or the estate is subject to current state or federal estate taxation; the Member owns a business that will continue in operation after death; the Member wants to put restrictions on what heirs may do with the property; the Member wants to leave money to someone in a trust because the person cannot manage his or her own affairs (such as a mentally handicapped child), or wants the property to be managed by a trustee for a period of time past the child’s age of majority, to age 25 or 30, for example; the Member thinks that someone will challenge the will; and/or the Member wants to exclude any lawful dependents.

“EFFECTIVE DATE” - means the date coverage hereunder begins.

“COVERED FAMILY MEMBER” – means the Member’s Covered Spouse and the Member’s unmarried or unpartnered dependent children, including stepchildren, legally adopted children, children placed in the home for adoption and foster children, up to age 27.

“COVERED SPOUSE” - means the Member’s husband/wife as well as his/her same sex civil union partner regardless of what such relationship, which includes substantially all of the rights and benefits of marriage, may have been called in the jurisdiction where it was formed, at the time the coverage is in effect.

“MEMBER” - refers to the individual who is associated with the Policyholder and who has paid or a premium has been paid on their behalf and who meets the eligibility requirements for Covered Services.

“NON-PARTICIPATING ATTORNEY” - means an attorney not retained by Administrator who is selected and paid by the Member to provide services covered under the Certificate of Coverage up to the maximum amount as shown in the Schedule of Benefits.

“PAID IN FULL” - means complete payment to a Participating Attorney for covered legal services.

“PARTICIPATING ATTORNEY” - means an attorney retained by the Administrator to provide covered legal services at the amount shown in the Schedule of Benefits.

“PLAN SPONSOR” - means an organization other than the Policyholder or the Member’s employer which makes coverage hereunder available.

“POLICYHOLDER” - means the organization to which a group policy has been issued.

“WE”, “US”, “OUR” AND “COMPANY” - means the name of the underwriter indicated on the face page.

COVERED SERVICES

In consideration of payment and receipt by Us of the applicable premium, all Covered Services are available to a Member and the Member’s spouse and eligible dependents. Except as noted below, the following Covered Services are provided to the Member when the Member uses a Participating Attorney. The Schedule of Benefits chart shows the reimbursement schedule when the Member uses a Non-Participating Attorney.

ADVICE AND CONSULTATION

LegalAdvisor Helpline:

Advice and consultation by toll-free telephone with a Plan Attorney. Services are available during normal business hours. Calls can relate to any personal legal matter, civil or criminal, except those specifically excluded.

Financial Helpline:

Consultation by toll-free telephone during normal business hours. Calls can relate to investment strategies, debt matters or any personal financial planning question.

Initial Law Office Consultation:

Up to the maximum as shown in the Schedule of Benefits for office consultations with a Participating Attorney on any personal legal problem, civil or criminal, except those specifically excluded. See Miscellaneous Law Office Services.

Review of Simple Document:

The Plan Attorney will verbally explain the meaning or impact of any form or document, or make suggestions for changes to a form or document being drafted of up to the maximum number of pages as shown in the Schedule of Benefits. This benefit does not include a written analysis of any form or document.

Online Legal Access:

Internet access to legal information and documents for many common legal situations. This feature is designed for Members and/or Family Members who wish to independently research legal issues either before or after contacting an Plan Attorney. OnLine Legal Access can be activated through the internet by contacting the following website: http://vsc-legalease.com.

MISCELLANEOUS LAW OFFICE SERVICES

Miscellaneous Law Office Services:

Benefits not specifically covered or excluded hereunder to be provided at an amount shown in the Schedule of Benefits.

This benefit is limited to one use per year and is subject to Managed Case Rules.

CONSUMER MATTERS

Document Preparation:

Preparation of any of the following documents: simple deed (excluding those reviewed or prepared under the real estate benefit), promissory note, consumer dispute correspondence, installment sales agreement, general power of attorney, lease agreement (tenant only), time share agreement, and simple affidavit.

This benefit is limited to one use per year.

Life Insurance Claims:

Assistance to Members in securing life insurance proceeds (not including life insurance provided as an employee benefit) when a Member and/or Family Member is a beneficiary of a life insurance policy.

This benefit is limited to one use per year and is subject to Managed Case Rules.

Consumer Dispute:

Consultation or representation in a dispute relating to consumer goods and services (not involving real estate construction, landlord/tenant disputes or renovation).

This benefit is limited to one use per year.

Small Claims Court Representation:

Consultation and/or representation for a consumer dispute filed in small claims court.

This benefit is limited to one use per year.

ESTATE PLANNING

Will and Codicil Preparation:

Preparation of one simple will or codicil (an amendment to an existing will) for the Member and spouse only, including the preparation of a simple testamentary support trust for the dependent children:

Simple Will Preparation:

Plan Attorney shall prepare a simple will or codicil for Member and Family Member and discuss the legal requirements for signing the will. A simple will or codicil may be prepared for Family Member at an additional cost as shown in the Schedule of Benefits.

Complex Will Preparation:

Plan Attorney shall prepare a complex will or codicil for Member or Family Member at a discounted fee paid directly to the attorney as shown in the Schedule of Benefits.

Living Will and/or Health Care Power of Attorney:

Preparation of living will and/or health care power of attorney for Member and/or Family Member as authorized by state law. A living will expresses an individual’s wishes as to the use or withdrawal of life support systems. A health care power of attorney appoints another to make medical decisions if the individual is unable to do so him/her self.

This benefit is limited to one use per year.

Probate of Small Estate:

The service of an attorney for the probate of a small estate (an estate that is not subject to current state or federal estate taxation) up to the maximum as shown in Schedule of Benefits.

RESIDENTIAL MATTERS

Real Estate Sale, Purchase of Primary Residence:

The services of an attorney for the purchase, sale, of a Member’s primary residence (where Member has resided or intends to reside for twenty-seven (27) weeks or more per year). This service includes the review or preparation of closing documents and/or attendance by the Member’s attorney at closing in situations when it is customary to do so. This benefit does not include services performed by or for a title company, or for an attorney acting on behalf of a lending institution. Home equity loans and the sale or purchase of unimproved or rental properties are not included.

This benefit is limited to one closing per year and is subject to a waiting period, if any, as shown in the Schedule of Benefits.

Landlord/Tenant Disputes:

Representation of the Member and/or Family Member as a tenant in a dispute with his/her landlord.

This benefit is limited to one use per year and is subject to Managed Case Rules.

FINANCIAL MATTERS

Debt Collection Defense:

The defense of any dispute involving personal (non-business related) debt. This benefit includes correspondence, negotiating with creditors to arrange a repayment schedule, assistance in limiting harassment by bill collectors, and negotiating settlement after a complaint is filed. This service does not include defense against execution of a court-ordered judgment or efforts to vacate or set aside a judgment.

This benefit is limited to one use per year. Trial defense benefit is subject to Managed Case Rules.

Tax Audits:

Includes the services of an attorney (but not accounting services) during a personal (non-business related) tax audit process required by federal and state tax authorities and negotiations relating to it. This benefit does not include a defense against criminal charges nor the defense of civil tax litigation in any tax court.

This benefit is limited to one use per year and is subject to a waiting period, if any, as shown in the Schedule of Benefits. This benefit is subject to Managed Case Rules.

FAMILY LAW

Separation, Divorce, Annulment:

Legal representation of the Member only for up to 10 hours in an uncontested separation, divorce, civil annulment, consent or default divorce. An uncontested separation, divorce or civil annulment does not involve significant disputed issues and the parties resolve any issues prior to any court supervised proceeding. A consent or default divorce does not involve any disputed issues and the opposing party is not represented by counsel. The benefit for uncontested matters does not provide any coverage of an attorney’s fee for: (1) services in excess of 10 hours; the Member must pay the attorney’s fee for services in excess of 10 hours; (2) services relative to post-decree representation; or, (3) contested matters in which case the Member must pay the attorney’s fee for services, unless this Policy provides coverage of contested matters and the benefit shall be in accordance with the Schedule of Benefits. A contested separation, divorce or civil annulment requires more than five (5) hours of attorney time, involves disputed issues and both parties are represented by an attorney.

This benefit is limited to one use per year ( representation seeking or defending against interim or subsequent-to-decree order shall constitute a separate use) and applies to the Member only. This benefit is subject to a waiting period, if any, as shown in the Schedule of Benefits. Contested divorce is subject to the Managed Case Rules.

Name Change:

Services required to accomplish a legal name change for a Member or Family Member.

This benefit is limited to one use per year.

Guardianship/Conservatorship:

Services required to establish a Member and/or Family Member as the guardian(s) or conservator(s) of another. This benefit does not include contested matters.

This benefit is limited to one use per year.

Uncontested Adoption:

Legal representation for a Member and/or Family Member of up to five (5) hours in an uncontested governmental agency or stepparent adoption. An uncontested adoption does not involve significant disputed issues. This benefit does not include: (1) contested termination of parental rights; (2) fees for a court-appointed attorney for the child; or (3) adoptions(s) made through any agency other than a governmental agency. A contested adoption requires more than five (5) hours of attorney time and involves disputed issues. If the amount of an attorney’s times for uncontested adoption exceeds five (5) hours, or if the adoption becomes contested, coverage will terminate and the Member and/or Family Member will be responsible for any additional legal fees.

This benefit is limited to one use per year.

Juvenile Court Matters:

Services related to the representation of the dependent child of a Member and/or Family Member in any juvenile court proceeding, provided the child’s interest is not in conflict with the Member’s and/or Family Member’s interest. This benefit does not cover any matter that falls outside the jurisdiction of juvenile court.

This benefit is limited to one use per year.

CIVIL LITIGATION DEFENSE

Civil Litigation Defense:

Services related to the representation of a Member and/or Family Member who is a named defendant in a civil lawsuit (non-business related), up to and including the trial thereof. This benefit does not include: (1) any debt collection or family law matters; (2) lawsuits normally handled on a contingent fee basis; or (3) matters for which the Member has or is required by law to have insurance.

This benefit is limited to one use per year and is subject to a waiting period, if any, as shown in the Schedule of Benefits. This benefit is subject to the Managed Case Rules.

CRIMINAL DEFENSE

Administrative Proceeding:

Services related to the representation of a Member and/or Family Member in an administrative proceeding relating to the suspension or revocation of driving privileges.

This benefit is limited to one use per year.

Misdemeanor Defense:

Defense of a Member and/or Family Member in connection with criminal misdemeanor charges (not associated with any felony charge). This benefit does not include defense of moving traffic violations.

This benefit is limited to one use per year. This benefit is subject to Managed Case Rules.

ADDITIONAL BENEFITS

Elder Parent Coverage:

In addition to the benefits set forth in the Group Legal Expense Insurance Policy, this Addendum is submitted to define the benefits set forth under the Elder Benefit Services being offered to employees electing “Family” coverage.

Eligibility of Parents

• Parents of the Plan Member and the Member’s Spouse regardless of age are eligible for benefits under the Elder Law coverage as defined in this Addendum.

• The benefits specified below extend not only to the Member’s Parents and the Member’s Spouse’s Biological Parents, but their Step-Parents and Adoptive Parents as well.

Benefits for Parents

1. Advice and Consultation

• LegalADVISOR Helpline: Advice and consultation by toll-free telephone with a Plan Attorney. Services are available during normal business hours. Calls can relate to any personal legal matter, civil or criminal, except those specifically excluded in the LegalGUARD Plan.

• Financial Helpline: Consultation by toll-free telephone during normal business hours. Calls can relate to investment strategies, debt matters or any personal financial planning question.

1. Free Simple Wills & Living Wills

• Simple Will Preparation: One Simple Will per Eligible Parent, as defined above, per year at no charge. Plan Attorney will prepare the document and discuss the legal requirements for executing the Will.

• Simple Will means the will maker does not have a significant net worth and will not benefit from tax planning, or the estate is not subject to current state or federal estate taxation; the will maker does not own a business that will continue in operation after death; the will maker does not want to put restrictions on what heirs may do with the property; the will maker does not want to leave money to someone in a trust because the person cannot manage his or her own affairs (such as a mentally handicapped child), or does not want the property to be managed by a trustee for a period of time past the child’s age of majority, to age 25 or 30, for example; the will maker does not think that someone will challenge the will; and/or the will maker does not want to exclude any lawful dependents.

• Living Will Preparation: One Living Will per Eligible Parent, as defined above, per year at no charge. Plan Attorney will prepare the document as authorized by state law and discuss the legal requirements for signing the Living Will.

• A Living Will expresses an individual’s wishes as to the use or withdrawal of life support systems.

Identity Theft Prevention/Recovery Assistance Coverage

Coverage includes a basic Identity Theft HelpLine Service as well as a comprehensive Online Identity Theft Prevention and Assistance Service for covered members, and, if Family Coverage is selected, their spouses and dependents up to age 19, and from age 19 up to 25 years if they are enrolled in an accredited school or college as full-time student(s) and are primarily dependent upon the Member for support:

1. Advice and Consultation

• Free ½ hour telephonic consultations (4 per year) with a Trained Identity Theft Recovery Specialist (consultations can also be online – member’s choice)

• Online Assistance in identity theft prevention understanding

• Unlimited access to complete identity theft legal issue law libraries

1. Additional Benefits

• Personal Recovery Kit – designed to walk a victim of identity theft step-by-step through the process of recovery (designed to be utilized in conjunction with the free consultations with the Recovery Specialist).

• Free Simple Recovery Letter preparation by plan attorney – a plan attorney will draft the simple affidavits to submit to specific agencies and organizations needed to establish the theft of your identity and prevent further loss of your identity and credit rating.

• Free Review of necessary recovery legal documents (up to 6 pages each)

OBTAINING BENEFITS

Telephone Advice and Consultation on Legal and Financial Matters

Consultation by toll-free telephone with an attorney. Services are available during normal business hours. Calls can relate to any personal legal matter, civil or criminal, except those specifically excluded herein.

Financial Helpline:

Consultation by toll-free telephone during normal business hours. Calls can relate to investment strategies, debt matters or any personal financial planning question.

Claim for Benefits

1. Members must call the Member Service Center to confirm eligibility and coverage prior to consulting with any attorney. The Member Service Center will assign a Participating Attorney to provide services relative to the matter. Failure to notify the Member Service Center within thirty (30) days following consultation with an attorney may result in a denial of benefits.

2. To obtain benefits under the Managed Case Rules:

Members and/or Family Member must secure a confirmation letter from the Member Service Center prior to proceeding with an attorney.

The attorney must provide a written estimate of fees reflecting his or her best judgment as to the likely conduct of the case.

We will set a maximum attorney fee that takes into account the reasonable level of reimbursement for the proceeding and the proposed litigation strategy. Fees as a result of services in excess of the maximum attorney fee are the responsibility of the Member and/or Family Member.

3. Members actively receiving services must remain enrolled and continue to pay premium hereunder. All benefits will be subject to subrogation and coordination of benefit rules.

4. Upon completion of a Covered Service, the Member and/or Family Member will be required by the Participating Attorney to sign a confirmation of completion.

5. If the Member and/or Family Member pays for pre-authorized services provided by a Non-Participating Attorney, the Member must submit a reimbursement form (provided by Member Service Center) accompanied by an original itemized bill within sixty (60) days after incurring the legal fees. Benefits provided to the Member and/or Family Member for Covered Services are subject to the maximum as shown in the Schedule of Benefits.

Disputes Between Member and Family Member

In the event that the Member and one of the Family Members are involved as adversaries in a dispute that is a Covered Service, only the Member will be covered.

If two or more Family Members are involved in a dispute that is otherwise covered, no coverage will be provided.

If two Members are involved as adversaries in a dispute that is a Covered Service, separate coverage for each Member will be provided.

EXCLUSIONS

The following benefits are excluded:

Appellate court proceedings, class actions, interventions, derivative action and amicus curiae filings.

The preparation and filing of individual, partnership or estate tax returns, appellate or administrative proceedings related to tax returns, litigation before the U.S. Tax Court, U.S. Court of Claims or any other federal, state or other courts with respect to tax matters.

Matters relating to securities, trademark or patent matters; business or commercial interests, including, but not limited to, professional, partnership and/or corporate matters; matters involving the law or laws of jurisdictions other than the United States and its territories; any matters involving a government (domestic or foreign) entity or agency; farm related issues; matters involving commercial or rental property transactions, including the purchase, sale or lease of investment or income-producing property. A two-family house, whether or not used by the Member as his or her primary residence, is deemed an investment or income-producing property.

Legal services which are fully paid for or provided at no cost by any governmental agency, organization or insurance company.

Matters that the attorney deems frivolous, spurious, harassing, or unethical (collectively referred to as “frivolous”) or otherwise prohibited by the Model Rules of Professional Conduct of the state in which the attorney is licensed.

Costs associated with covered legal services, including but not limited to, all fines, court costs, penalties, sanctions, expert witness fees, bonds, bail bonds, attorney fees, exhibits, deposition costs, filing fees, transcripts, postage, telephone, photocopying, recording fees, messengers, judgements, jury fees, court reporter fees, investigative costs and all other incidental and out-of-pocket legal and litigation costs.

Any services on behalf of a Family Member against the interests of the Member.

Any employment-related matter. This includes, but is not limited to, any dispute involving the Member’s employer or its affiliates, their officers or directors, the Member’s employee benefit plans, credit unions, programs or arrangements sponsored by an employer, or cases involving workers’ compensation, unemployment compensation, sex harassment, age discrimination, etc.

Any dispute or proceeding against the following persons or entities, their officers, directors, employees, or agents: any person or entity involved in the sale of the group policy; Administrator or its subsidiaries; Policyholder; Member’s employer; Virginia Surety Company, Inc. it’s parents, subsidiaries or any affiliated or successor company, plan underwriter or reinsurer; Plan Sponsor; or any Participating and/or Non-Participating Attorney, if the dispute or proceeding pertains to services provided under the group policy / Certificate of Coverage.

Except regarding LegalAdvisor Helpline and Financial Helpline services, benefits will not be provided in connection with pre-existing matters, which includes any matter where the Member and/or Family Member is on notice as to a pending legal dispute or has previously contacted an attorney.

GENERAL PROVISIONS

Attorney-Client Relationship

All attorneys are subject to the authority of the State Supreme Court and the State Bar of the state where they are licensed to practice. The Member’s relationship with an attorney is privileged and strictly confidential. We will not interfere in the attorney-client relationship, nor in the attorney’s independent exercise of his or her professional judgment. Attorneys are not certified specialists.

Member shall authorize Participating Attorney to provide the Administrator with anonymous statistical reports on the number and type of services provided to Member.

By using legal services benefits for which are provided, the Members agree that neither We, nor the Policyholder, nor any other person involved in the marketing or administration of the group policy, shall have any liability for the acts, errors or omissions of an attorney providing services, in whole or in part.

Legal Terminology

The Member or Family Member may call the Member Service Center to obtain a definition or explanation of any term used herein.

Premium Refund Provision

In the event that the premium mode is other than monthly and the group policy is terminated or the Member elects to terminate the coverage, a prorata premium refund will be made in accordance with the insurance laws of the Policyholder’s state.

Termination and Cancellation of Coverage

Coverage provided to Member shall terminate upon the first of the following to occur:

a. Cancellation or termination of the group policy;

b. If applicable, the Member fails to re-enroll;

c. The Member is no longer associated with Policyholder; or

d. The Member fails to remit premium when due, subject to the statutory grace period.

Coverage provided to Family Member of a Member shall terminate upon the first of the following to occur:

a. The Member’s coverage is cancelled or terminated; or

b. The Family Member ceases to be an eligible Family Member of the Member’s coverage.

When coverage for a Member and/or Family Member terminates and a matter is unresolved when coverage terminated, then any further legal work between said Member and/or Family Member and the Plan Attorney shall be outside the scope and coverage of the group policy / Certificate of Coverage. The Plan Attorney shall not be obligated to provide any benefits and any further legal services shall be based upon an independent and separate fee agreement entered into, if at all, between the former Member and/or Family Member and the attorney. If such an agreement is not entered into, then the Plan Attorney may withdraw from any further representation in accordance with applicable law and State Bar standards.

Arbitration

This provision is non-binding. All disputes and controversies of every kind and nature between the parties hereto arising out of or in connection with this Policy and the Policy application, the subject matter thereof, the negotiation thereof, the existence, construction, validity, interpretation, or meaning, performance, non-performance, enforcement, operation, breach of contract, continuation or termination thereof or any claim alleging fraud in fact, fraud in the inducement, deceit, or suppression of any material fact, bad faith may be submitted to non-binding arbitration pursuant to the provisions of the Federal Arbitration Act and according to the Commercial Rules of the American Arbitration Association. Such proceedings may be initiated by either party by notice in writing to the other and to the American Arbitration Association. Each party shall bear its own arbitration costs and expenses.

Conform to Statute

Any terms of the group policy / Certificate of Coverage which are in conflict with the statutes of the jurisdiction where issued, are amended to conform to the statutes.

Legal Action Against Us

No action at law shall be brought against Us for payment of claim: (1) less than sixty (60) days after due proof of claim is furnished; or (2) more than three (3) years after the date proof of claim is required by this Certificate of Coverage.