Certain matters are excluded from coverage under the Plan. No services, not even a consultation, can be provided on the following matters:

• Payment made to a third party (someone other than the attorney) such as costs, witness fees, transcripts, recording fees, filing fees, fines, penalties, judgments or orders of restitution ordered by any court;
• Appeals, class actions, interventions, derivative actions and amicus curiae filings;
• Business, farm, commercial or rental property transactions, including any legal services which would ordinarily be deductible under the Internal Revenue Code as a necessary expense of doing business;
• Admiralty, patents, trademarks and copyrights;
• Tax return preparation;
• Disputes or proceedings involving the University of Michigan or any of its divisions or affiliated organizations;
• Disputes, claims or proceedings involving Hyatt Legal Plans, Inc., MetLife, or any affiliates, any participating law firm or attorney, or the Plan;
• Matters for which you are or have been receiving legal services before you received an authorization number;
• Matters handled by an attorney who is not a Plan attorney, unless you have received Hyatt's authorization to select a non-Plan attorney;
• Matters which Hyatt Legal Plans deems frivolous, non-meritorious or unethical;
• Services on behalf of a spouse, other qualified adult or dependent where you are an adversary;
• Any employment-related matters. This includes, but is not limited to, disputes or proceedings involving the University of Michigan or any of its affiliates, any employee benefit or any agents, officers or employees of these groups, or claims for Workers' Compensation or Unemployment Compensation;
• Any bankruptcy or debt proceeding that would result in the discharge or collection delay of a debt owed to the University of Michigan, its subsidiaries or affiliates, or any benefit plan established, maintained or administered by the University of Michigan, its subsidiaries or affiliates.