The Attorneys For Freedom Law Firm (“AFF”) created and formed The Attorneys On Retainer Association (“The Association”) and The Attorneys For Freedom Risk Retention Group, Inc. (“RRG”). The Association is a non-profit association that wholly owns RRG. When members join The AOR Program, they are automatically covered by the RRG Policy, written by the attorneys at AFF, to comply with the terms in the AOR Program’s original law firm plan and the new added benefits. The RRG Policy provides commercial liability coverage for businesses and organizations, legal representation to any member involved in a self-defense-related criminal or civil matter, and many other benefits. AFF attorneys are the only people who interpret the RRG Policy and make all coverage decisions. The RRG Policy expressly and irrevocably appoints AFF to represent all AOR members and all information about all AOR members remains exclusively with AFF subject to attorney-client privilege.