What are the differences between a “Living Will”, a “Last Will and Testament” and an “Instructions to Survivors Concerning My Death” form?

The purpose of these three documents is as follows:

• a Living Will or Advanced Healthcare Directive is designed to convey your medical treatment wishes in the event that you are unable to make your wishes known. This does not become effective unless you have a terminal illness or are in a permanent vegetative state.

• a Last Will and Testament is designed to specify how you want your assets to be distributed in the event of your death.

• an “Instructions to Survivors Concerning My Death” form gives details of your wishes as to matters that are not covered by your Living Will or your Last Will and Testament.

What does an “Instructions to Survivors Concerning My Death” form include?

An “Instructions to Survivors Concerning My Death” form may contain the following information (and should be updated as your wishes change):

• the name of the person you wish to handle your funeral arrangements

• the general requirements of your passing, including provisions for visitation and handling of the body

• instructions for burial or cremation

• instructions for funeral services and memorial services, including specifics such as flowers, casket type, pallbearers, etc.

• any other particular wishes or requirements you would like to include.

You should give this form to the person you have selected to handle your funeral arrangements and to your executor, but you should also consider making your loved ones aware of its existence and contents.

What are the benefits of an “Instructions to Survivors Concerning My Death” form?

One of the major benefits of this type of document is that it removes the burden from your loved ones and makes sure that your wishes are carried out.

Planning a funeral is a stressful process, particularly during the period of bereavement. You might think that your family is aware of your wishes, but that isn’t always the case. Disputes can arise which may result in painful disagreements which ultimately add to the emotional nature of the task.

There is often a tendency for your loved ones to want to purchase the most expensive casket and burial service to show the world how much they love you. If you specify a less expensive casket and funeral, this will provide more money for your loved ones.

Of course, you could incorporate your end of life wishes into your Last Will and Testament. However, this probably isn’t the best solution because many Wills aren’t read or acted upon until a number of weeks after death.

Get an “Instructions to Survivors Concerning My Death” form … free!

You could pay a lawyer a lot of money to get a comprehensive, well-written “Instructions to Survivors Concerning My Death” form … or you could get it free by clicking on Instructions to Survivors Concerning My Death [You can get 587 other free legal forms at Free Legal Forms.]

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Note: You should read this form carefully and make any changes that are necessary to fit your exact requirements. If you aren’t sure how to do this, contact a lawyer. Your legal cost will be much less than if your lawyer had to draft the language from scratch.

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That said, it is important to recognize the thousands of contracts that an individual, and especially a small business owner, will sign and otherwise agree to throughout their lifetime. Everything from internet and phone contracts to home loans represent the classic, signed agreement. But certain commercial purchases, parking lot payments, internet terms of service (where you check the “Yes I’ve read and understand” box, but never actually read the terms) and other seemingly mundane transactions constitute a type of contract.

Sometimes You Need to Cancel a Contract

As the busy and successful small business owner that you are, you will someday find the need to cancel a contract that you have signed or otherwise agreed to. Whether a second look at a cell phone contract exposed some less than ideal hidden rates or perhaps a contracted office cleaner is performing substandard work – you as the business owner will be forced to cancel a contract.

There is a Right Way and a Wrong Way

Be warned, there is a right way and a wrong way to go about this cancellation process. The absolute wrong way is to simply stop paying or otherwise fulfilling the terms of the contract. While it may seem natural to just stop paying the lackluster office cleaner – unless the proper notification mechanisms are followed, you may accidentally commit a breach of contract.

Notification is the Key

Proper notification is the key to the successful cancellation of a contract. Although each case is unique, these general steps can put you on the right path toward that successful cancellation.

1. Read the contract carefully to determine if and when you are allowed to cancel it. For example, certain states mandate that cell phone contracts spell out a 30 day or more period after signing in which the contract can be cancelled with no financial loss to the consumer. Other contracts require proof of lackluster performance as a prerequisite for cancellation.

2. Prepare a “Notice of Agreement Cancellation”. This legal document will protect you and ensure a speedy cancellation of your contract. You could pay a lawyer a lot of money to get a comprehensive, well-written “Notice of Agreement Cancellation”… or you could get it free by clicking on Notice of Agreement Cancellation. [You can get 587 other free legal forms at Best Free Legal Forms.]

3. Attach with the “Notice of Agreement Cancellation” a letter on your company’s letterhead with your full business name and address, the name of the company you are canceling the contract with, and the date. Outline in the letter your reasons for canceling the contract and why these reasons allow cancellation, per the contract. Provide any additional proof or evidence as required. Keep a respectful and business appropriate tone throughout the letter.

4. Deliver the letter and “Notice of Agreement Cancellation” to the other party either by hand or via certified, signature confirmation mail. If for some reason you cannot deliver by one of these two methods, be sure to call the other party and ensure receipt of the documents.

As noted above, every business scenario is unique and must be considered individually. However, following these steps will put you on the right path toward protecting your business and paying for only the best quality products and services. When it comes to canceling contracts, communication is key. Be sure to adequately notify the other party, abide by any cancellation terms spelled out in the contract, and you will be good to go.

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Note: You should read this form carefully and make any changes that are necessary to fit your exact requirements. If you aren’t sure how to do this, contact a lawyer. Your legal cost will be much less than if your lawyer had to draft the language from scratch.

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There are other benefits of work, of course. Depending on what our job is, our secondary motivations may be altruistic. Or they may be related to furthering an interest or ability that we have. But regardless of what we do, most of us work to support ourselves financially.

Employers can attract the best and brightest to help guide their company by realizing this basic fact about human nature. That does not mean that companies must offer the highest directors’ fees. Companies can attract talented directors by providing perks that are attractive to potential directors.

An Effective Way to Attract and Keep Directors

One very effective perk is to allow non-employee directors to defer part of their directors’ fees and receive matching contributions from the company. By doing this, directors can accumulate significant income which will be taxed at much lower rates when they retire.

In Plans that include employer-matching contributions, the company agrees to match the non-employee director’s contribution with an amount equal to a stated portion of directors fees.

Contributions to the Plan are not subject to income tax until they are paid out. Furthermore, earnings and investment appreciation on amounts in the Plan are also not subject to income tax until they are paid out. Since such income is usually paid out when the recipient has retired, it will be taxed at the retiree’s income tax rates at that time … usually a much lower rate.

Benefits to Company

Why does such an arrangement benefit a company? It is a “carrot” that is effective in attracting – and retaining – skilled directors. The more lucrative the benefits offered, the more likely that skilled applicants will want to provide their expertise to the company.

Risks

There are some risks to deferred compensation plans.

Unlike a 401-K plan, which is a protected investment, money invested in a deferred compensation plan is vulnerable if a company goes bankrupt. If a company goes out of business, creditors can go after funds set aside in these Plans to help satisfy outstanding debts.

In other words, if a non-employee director defers his or her compensation and invests it in a Plan, and the company goes out of business, there is a good chance that the director could lose all of the deferred compensation he or she has accrued during his tenure.

And, as mentioned earlier, money invested in a Plan is subject to rules. If you defer part of your compensation, but suddenly need it six months later, you will likely be out of luck.

Worth the Risks

Despite these risks, surveys suggest that 90% of public companies have at least one deferred compensation plan and more than 65% provide a company contribution to their Plan.

Get a Professionally Drafted Deferred Compensation Plan for Non-Employee Directors … Free

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Note: You should read this form carefully and make any changes that are necessary to fit your exact requirements. If you aren’t sure how to do this, contact a lawyer. Your legal cost will be much less than if your lawyer had to draft the language from scratch.

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In the business world, that assertion often holds true, as well. Sometimes a company excels in one core competency, but may lack expertise in another area. To fill any voids in their capabilities, businesses sometimes seek out similar or complementary businesses that are skilled in the areas they themselves are not.

Such a partnering in business is called a “Strategic Alliance.”

Of course, to work, a strategic alliance must benefit both parties involved. Let’s consider an example.

Here’s a Possible Scenario

Imagine there is a small, start-up candy-manufacturing company. We will call this company “Business A.” “Business A” has developed a unique e-mail candy-of-the-month-club service. It produces novelty candy that is suddenly in high demand. The business was written up on a popular online blog and demand has skyrocketed. Sounds great, right?

Well it would be, except that “Business A” is an expert in candy making, but not in customer service. It has a huge factory and skilled operators and makes a great product. But the company does not have the knowledge or staff to handle the sudden influx of customer questions, problems, shipment confirmations, and all that goes along with a high-volume mail order business.

As such, “Business A” cannot handle this unanticipated high retail demand for its products. And that means it cannot grow in sales or profitability.

On the other hand, “Business B” is a busy call center that has operators who answer phones and e-mails 24 hours a day, 7 days a week. The problem is, “Business B” recently lost its largest client. It is struggling to meet payroll and pay its overhead each month. “Business B” is on the verge of going out of business.

Unfortunately, “Business A” cannot yet afford to hire “Business B” outright. The two cannot afford to work together. Or can they?

A Strategic Alliance Agreement could benefit both parties. “Business B” would handle the customer-service demands that have suddenly arisen for the candy manufacturer. In return, the candy manufacturer would pay “Business B” a percentage of all new sales. After all, without the help of the call center, the manufacturer could not follow through on those new sales opportunities.

Can be Win-Win if Done Right!

A strategic alliance is a win-win scenario in which each company continues doing what it does best, while partnering with another business that can provide what it needs to thrive.

If your small business is lacking expertise in one area but excels in another, a Strategic Alliance Agreement could be the answer to your problems, too.

Pay Attention to the Details

The key to a successful Strategic Alliance Agreement, of course, is in the details.

• Which company is responsible for what?

• Exactly how will the profits be distributed?

• For what timeframe is the agreement effective?

• How can the strategic alliance be disbanded if there are problems?

Can be Risky if Not Done Right!

A strategic alliance can be extremely beneficial to both parties, but it can also be risky if the parties do not protect themselves. They can protect themselves by using a well-written Strategic Alliance Agreement. This legally binding document spells out the terms of the business relationship.

If you believe that forming a strategic alliance could advance your business goals, it will be money well spent to have a lawyer prepare a Strategic Alliance Agreement for you.

Get a Professionally Drafted “Strategic Alliance Agreement” – Free

Or you could save the lawyer’s fees and get a professionally written Strategic Alliance Agreement free by clicking on Strategic Alliance Agreement. [You can get 587 other free legal forms at Best Free Legal Forms.]

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Note: You should read this form carefully and make any changes that are necessary to fit your company’s exact requirements. If you aren’t sure how to do this, contact a lawyer. Your legal cost will be much less than if your lawyer had to draft the language from scratch.

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You may have heard of DNRs and Living Wills, two documents included in the category described above. Both of them apply when you, the patient, are unable to speak for yourself. However, they are not the same and will result in different treatment for you.

In order to make sure your end-of-life needs are met, you must know the difference between a DNR (Do Not Resuscitate order) and a Living Will.

What a DNR Does

A DNR is a medical document and a Living Will is a legal one.

A DNR must be signed by your physician to be effective, but you can create a Living Will on your own.

A DNR deals with measures taken if you die and a Living Will applies to many other life-prolonging treatments.

A DNR is a medical order that tells your physicians not to perform CPR or use a breathing tube if your heart or lungs give out. In other words, if you are in cardiac or respiratory arrest, your doctors are directed not to aid you. If you die, your doctors are instructed not to try to bring you back.

Most often people suffering from long-term illness or who are very old choose to have DNRs. This prevents them from being brought back into a life of suffering when there is no chance they will ever return to full health. DNRs are usually signed when quality of life is already very low and the patient wants to preserve his or her dignity in death when his or her time comes.

What a Living Will Does

A Living Will, on the other hand, outlines specific life-prolonging treatments a patient wants or wishes to refuse. It is put in place so that, in the event a person is unable to communicate his or her wishes him or herself, the individual is still able to make important health care decisions. That is, if you are in a coma or another circumstance where you cannot speak, your family and doctors will know what to do (i.e., whether to keep you alive or “pull the plug”).

You can include your wishes about a DNR in your Living Will. However, it is most effective to have a DNR separate from your Living Will. DNRs are medical documents and are more often consulted in moments of quick decision-making, such as when you might need CPR. If your DNR is not readily available to your doctors, they will attempt CPR anyway; they are legally obligated to do so.

This is especially true if you live at home (are not a long-term patient at a hospital or hospice). If you have a DNR, you can get a DNR bracelet that will tell EMTs not to perform CPR if your heart stops or you stop breathing. Without that, they will attempt to resuscitate you.

If you are a long-term patient at a hospital or hospice, you can help ensure that your doctors are aware of your DNR by telling a loved one of your wishes. They will remind your physicians on a regular basis of the DNR and will make it less likely to be overlooked.

If you have a Living Will, you can specify addition life-prolonging/end-of-life treatments that you want or wish to reject, such as breathing or feeding tubes, intravenous hydration, and organ donation.

Get a Professionally Drafted “Living Will” – Free

You could pay a lawyer a lot of money to get a comprehensive, well-written Living Will for your state. Or you could get an Advance Medical Directive (Living Will, Durable Power of Attorney and Health-Care Proxy) free by clicking on Advance Medical Directive [You can get 587 other free legal forms at Best Free Legal Forms.]

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Note: You should read this form carefully and make any changes that are necessary to fit your exact requirements. If you aren’t sure how to do this, contact a lawyer. Your legal cost will be much less than if your lawyer had to draft the language from scratch.

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There are many stories about harassed tenants who had to find another place in a hurry and even lose their deposits, just to regain their peace of mind. Don’t let yourself be trapped in such a situation.

Take steps to protect yourself at the start of your tenancy.

Here is what you can and should do:

• Get a Feeling About the landlord – the first time you meet your to-be landlord what did you feel? What was your gut instinct? Very often we ignore the gut feelings because “the place is so cute and I must have it”. You will have it, and along with it you will have a lot of grief from the bad landlord.

• Have A Tenant’s Pre-Inspection List Drawn Up And Signed – this is one of the best and most potent tools for your protection. It is a listing of the condition of the house or apartment you are about to rent, recorded when you first inspect the house or apartment and signed or initialed by your landlord. This list will be worth its weight in gold if your landlord turns bad and wants to deduct amounts from your deposit to “repair” things that weren’t broken when you moved in.

• Take Pictures – As a supplement to your Tenant’s Pre-Inspection List you should pictures of the place you are about to rent. When you inspect the house or apartment, pay special attention to things that need repair or are damaged. Is the carpet stained? Are the walls peeling anywhere? Are there any dents, cracks, tears, etc. in the walls or equipment?

• Check the windows – do they close easily or are they painted shut? Are the frames broken, cracked, etc.? Check the bathroom and kitchen for malfunctioning faucets and appliances. A still camera is good enough – but if you can video the house or apartment, it will be even better.

Don’t be a victim. Don’t let the landlord take advantage of you. Be pro-active in protecting your rights, your money and your peace of mind.

Get your Well-Drafted “Tenant’s Pre-Inspection List” – Free

You could pay a lawyer a lot of money to get a comprehensive, well-written “Tenant’s Pre-Inspection List” … or you could get it free by clicking on Pre-Inspection List. [You can get 587 other free legal forms at Best Free Legal Forms.]

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Note: You should read this form carefully and make any changes that are necessary to fit your exact requirements. If you aren’t sure how to do this, contact a lawyer. Your legal cost will be much less than if your lawyer had to draft the language from scratch.

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In fact, the cost savings of not using a professionally-drafted “Agreement for the Purchase and Sale of Business Assets” might actually lose you a significant amount of time and money in the long run.

What is an Agreement for the Purchase and Sale of Business Assets?

An “Agreement for the Purchase and Sale of Business Assets” is a document that details the transfer of company assets from one party to another. This Agreement includes all the important elements of the sale.

Companies sell their assets, instead of their stock, for a variety of reasons. Sometimes it is simply the sale of a portion of the operations of the selling company. Other times there are tax advantages in selling assets but retaining the corporate entity.

And very often a buyer buys the assets instead of the corporation (stock) because a sale of the corporation carries with it both known and unknown liabilities – something nobody wants to be saddled with.

Executing a properly drafted Agreement is vitally important because any assets (or liabilities) that are not listed in the Agreement are not part of the transaction.

The complexity of the Agreement depends upon the size and intricacy of the business assets for sale.

What information should an Agreement for the Purchase and Sale of Business Assets Include?

Some of the major points that should be considered when preparing an Agreement for the Purchase and Sale of Business Assets include the following:

• the purchase price for each major asset should be individually specified (so taxable gain or loss can later be determined) and the total purchase price of the assets as well as the payment schedule should be clearly set out

• warranties for individual assets, or a blanket warranty for all the assets, should be included in the Agreement

• if all, or substantially all, the assets of a business are being acquired, non-competition provisions should be included to protect the buyer from competition by the seller

• if all, or substantially all, the assets of a business are being acquired, the Agreement should specify the business records that are included in the sale. This might include equipment leases, title documents, bills of sale for major assets and financial data

Get a Professionally Drafted “Agreement for the Purchase and Sale of Business Assets” Form … free!

You could pay a lawyer a lot of money to get a comprehensive, well-written “Agreement for the Purchase and Sale of Business Assets” … or you could get it free by clicking on Asset Sale Agreement [You can get 587 other free legal forms at Best Free Legal Forms.]

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Note: You should read this form carefully and make any changes that are necessary to fit your exact requirements. If you aren’t sure how to do this, contact a lawyer. Your legal cost will be much less than if your lawyer had to draft the language from scratch.

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As is the case with any piece of paper, a stock certificate can be lost, misplaced, thrown away or damaged in a flood or fire. Stock certificates also can be stolen.

If a person is not able to find the physical stock certificate to prove ownership, his likely next step is to notify the issuing company and request a replacement certificate

How does he or she obtain a Replacement Stock Certificate?

But how does the issuing company know that the requestor is the actual owner. How does the issuer know that, at a later date, someone else won’t appear and claim to be the real owner?

The best answer is to have the requestor indemnify the issuer against any cost or liability that it incurs as a result of its issuance of the new stock certificate to the requestor. Why is this necessary?

Here’s a Possible Scenario

Assume that someone stores his stock certificates in an unlocked filing cabinet in his home office. One day, he goes to his home office to retrieve some of his stock certificates because he wants to sell that stock. He discovers that the certificates are missing.

Later, the rightful stockowner discovers that his long-time trusted personal assistant has been stealing from him. He surmises that this person stole the stock certificates, along with several other valuable items that were in his home office. Someone who is unscrupulous enough to steal probably would not think twice about selling what he stole – probably to an innocent third party who is unaware that he or she is about to buy stolen stock.

By requiring that the claimant to sign an “Indemnity Regarding Lost Stock Certificate” form, the issuing company is protected against a later claim of ownership by the rightful owner of the stock.

What is an “Indemnity Regarding Lost Stock Certificate”

An “Indemnity Regarding Lost Stock Certificate” form requires the indemnitor (the person who received the replacement certificate) to hold the issuing company harmless from any claims, damages, or expenses that could conceivably occur as a result of the company having reissued the missing stock certificate to the claimant.

If your company issues a replacement stock certificate without obtaining a signed “Indemnity Regarding Lost Stock Certificate” form is inviting trouble and could end up being a very expensive mistake.

Get a Professionally Drafted “Indemnity Regarding Lost Stock Certificate” – Free

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Note: You should read this form carefully and make any changes that are necessary to fit your exact requirements. If you aren’t sure how to do this, contact a lawyer. Your legal cost will be much less than if your lawyer had to draft the language from scratch.

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• protection from acts of competitors

• protection from foreseeable negative market forces

• protection from bad acts of your employees

• protection from bad acts of customers

• protection from bad acts of your stockholders.

You have worked hard to get where you are. It just makes sense to ensure that all your hard work is not lost to acts that you could have protected against.

You probably do everything you can to protect your company from bad acts of competitors, from foreseeable negative market forces, from bad acts of your employees and from bad acts of customers.

But have you done enough to protect your company from bad acts of your stockholders?

The way to do this is by requiring every stockholder to sign a Noncompetition, Nondisclosure & Non-Solicitation Agreement.

What is included in such agreements?

A Noncompetition, Nondisclosure & Non-Solicitation Agreement is essentially three agreements in one:

• Noncompetition—this section specifies that the shareholder may not attempt to engage in any type of business, profession or activity that is in direct competition with your company

• Nondisclosure—the shareholder agrees not to disclose any proprietary information to outside sources. This may include (but is certainly not limited to) trade secrets, business practices or processes that give your company a competitive advantage. Disclosing this information would also put you at a significant competitive disadvantage.

• Non-Solicitation—this part restricts the shareholder from soliciting your customers, employees or other shareholders to draw them away from your business. This is essentially stealing your employees to go work for the competition.

With such an agreement in place you should feel reasonably well-protected. Your stockholders will understand that if they do any of these bad acts, there will most likely be a legal challenge.

At the very least, having such an agreement in place puts stockholders on notice that you are serious. Possibly just knowing you are serious about the safety, security and future of your business will make some stockholders think twice.

On the other hand, if you do not have these in place, or if you have used poorly written, ineffective agreements, then you are just asking for trouble.

Here’s a Possible Scenario

Imagine that you have decided it is time for your small business to start requiring all of your stockholders to sign such an agreement. You go out and find a form. Better yet, you create it yourself.

All your stockholders sign it without question.

Finally, you feel secure and protected.

A few years later, one of your stockholders actually violates your agreement. He starts a similar company that is in direct competition with you. Not only that, but he also solicits several key employees to come along. Even worse, they are using some of your key processes and trade secrets!

Tough situation, but you feel covered.

After months of legal battle, you actually LOSE the case!

How could this have happened?

The court decided that your agreement was ineffective. Now, not only are you stuck with an extremely bad business result, but you also face a large legal bill.

What Message Does This Send to Your Other Stockholders?

Consider your current stockholders (assuming your original business was able to survive all of these challenges). Now they may feel free to violate their agreements as well. You may soon be faced with a whole new team of competitors who all know your secrets!

What could you have done differently to avoid this nightmare?

For starters you could have made sure that your agreement was well-written (from a legal point-of-view). covered all the essential provisions (without over-reaching) and was legally enforceable.

Get a Professionally Drafted “Noncompetition, Nondisclosure & Non-Solicitation Agreement” – Free

You could pay a lawyer a lot of money to get a comprehensive, well-written “Noncompetition, Nondisclosure & Non-Solicitation Agreement” … or you could get it free by clicking on Noncompetition, Nondisclosure & Non-Solicitation Agreement [You can get 587 other free legal forms at Best Free Legal Forms.]

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Note: You should read this form carefully and make any changes that are necessary to fit your exact requirements. If you aren’t sure how to do this, contact a lawyer. Your legal cost will be much less than if your lawyer had to draft the language from scratch.

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What is an Employee Stock Purchase Plan?

An employee stock purchase plan (ESPP) is a means by which an employee can purchase company stock and is characterized by the following:

• the ESPP generally commences with an “offering” phase where the company announces that stock can be purchased.

• prior to the start of the offering period, employees must elect to participate in this scheme and indicate the proportion of their salary that they wish to use to purchase stock.

• employees usually pay for company stock by means of their payroll contributions.

• these shares are often offered at a discounted rate of up to 15%.

• the Internal Revenue Service (IRS) limits the total contributions to $25,000 per employee per annum.

• ESPP are either “qualified” or “non-qualified” depending on the terms of the plan. Qualified or “Section 423″ plans offer the employee tax benefits which an unqualified plan does not.

The purpose of these plans is to allow investment in your company and afford your employees the opportunity to build their financial portfolio or save for retirement. Ultimately, this allows an employee to benefit from any upward fluctuations in the stock market, but at a reduced cost.

Should I consider implementing an Employee Stock Purchase Plan?

Implementing an ESPP offers a number of benefits, most notably by empowering your workforce to take an interest in the success of your company. After all, if you have a vested interest in seeing a company prosper, you’re more likely to remain loyal and work harder to boost profits. Moreover, rather than simply giving your employees stock in your company, ESPPs require a financial contribution in exchange for equity in the company. Finally, an ESPP may also offer an incentive to attract employees to work for your company.

Before initiating an ESPP, it is vital that you clearly stipulate its terms and conditions. This may involve consulting with current staff and formulating a strategy for your ESPP. Plans should be clearly defined in terms of the following:

• Purpose of the plan
• Eligibility
• How an employee can participate in the plan
• Dates of the offerings and purchase price
• Limitations on how many shares can be owned by an employee
• Payroll deductions
• Purchase of shares
• Taxation considerations
• Withdrawal from the plan
• Administration and termination of the plan

Get a Professionally Drafted Employee Stock Purchase Plan … Free

If all this sounds expensive, that’s because it usually is. But there are a number of ways to obtain an ESPP for your company.

You could pay a lawyer a lot of money to get a comprehensive, well-written “Employee Stock Purchase Plan” … or you could get it free by clicking on Mutual Nondisclosure Agreement [You can get 587 other free legal forms at Best Free Legal Forms.]

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Note: You should read this form carefully and make any changes that are necessary to fit your company’s exact requirements. If you aren’t sure how to do this, contact a lawyer. Your legal cost will be much less than if your lawyer had to draft the language from scratch.

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