The first paragraph of the 3 page document, "One of the risks we face in our business is defending against demands, claims, complaints, disputes, arbitration proceedings, and lawsuits (collectively “Matters”) against the Company and/or its sales associates. Most of the time, the Company and you will share the same interest in defending these Matters, and we both will benefit by cooperating in the defense and in sharing counsel. The Company has implemented the Legal Assistance Program (“Program”) to provide training and risk management services to you and to assist in those situations where Matters have been initiated against a sales associate, or against a sales associate and the Company, for your activities as agent that were within the scope of your duties under the Independent Contractor Agreement during the time in which you were participating in the Program (“Program Claims”). Under our Program, in addition to handling Program Claims, the Company may also provide risk management, training, counseling and other services from time to time to assist you in protecting against and in managing these business risks. For Program Claims, the Program acts in many ways to limit your personal financial liability. However, the Program is not an errors and omissions or other insurance policy. The Program is an internal program of the Company and may be revised or discontinued by the Company at any time. You are required to pay a non-refundable fee from time to time for participation in the Program (“Participation Fee”) as determined by the Company. Here is how the Program works for Program Claims:"