Complete Overview of Prepaid Legal

1. Pre-Paid Legal Services, Inc.
and subsidiaries

2. Business Briefing
Three Major Problems and

Needs
The Best Answers

Opportunity and Timing

Action Steps


3. First Major Problem
Most people today have the same complaint – they don’t
have enough money and they have no time freedom.
Expenses are escalating. Everyday items are much more
expensive today than just one year ago.
Credit Cards  Taxes  Loans  Mortgages  College
Taxes  Car loans  Taxes  Insurance  Cell Phones
Gasoline  Taxes  Etc.

4. Second and Third Major Problems
Identity Theft
Access to the legal system
for Everyday Life Events

5. Five Areas to Evaluate
The Company

The Need/ Marketplace

The Product

The Compensation

The Timing


6. The Company
 Has been in business for more than 30 years
 Is a public company since 1976 (NYSE:PPD)
 Began with a serious auto accident.
Harland C. Stonecipher
Founder, Chairman, & CEO

7. Pre-Paid Legal Featured in ManyPublications
Pre-Paid Legal was most recently
featured in Success from Home
magazine.

8. Sales History
$450
$400
$350
$300
GROSS REVENUE
$250
IN MILLIONS
$200
$150
$100
2000 2001 2002 2003 2004 2005 2006 2007
$255 $303 $350 $361 $386 $423 $444 $457
Our sales history continues to improve as we move up and to the
right each year.

9. It’s Not If, But When
100
100 M
75 M Million
50 M
37
25 M
Million
0
Court Filings
Hospitalizations
in 2005**
in 2005*
You are more than twice as likely to be in
court than you are to be hospitalized!
* American Hospital Association, 2005 Annual Survey
** Examining the Work of State Courts, Court Statistics Project 2006

10. Have You Ever . . .
 been overcharged for a repair?
 tried to return a defective product?
 received a traffic ticket?
 lost a security deposit?
 been audited?
 signed a contract?
 purchased a home?
 prepared a Will?
 worried about identity theft?

11. WhyDon’t People Call Attorneys
The Main Reasons People Don’t Seek
Legal Counsel:
They are intimidated by lawyers.

They don’t know who to call.

They believe it would cost too much.

The Most Common Responses to a
Legal Dispute Are to:
Ignore the problem

Try to handle it personally


12. What Do We Do
Simply put a Pre-Paid Legal
membership does for
attorney and legal bills
what medical insurance does
for doctor and hospital bills.

13. Who Is Covered?
The Pre-Paid Legal membership covers:
1. The Member
2. The Member’s Spouse
3. Never Married Dependent Children
Under 21 Living At Home
4. Dependent Children Under Age 18
For Whom The Member Is Legal Guardian
5. Full Time College Students Up To Age 23
Never Married, Dependent Children
6. Physically Or Mentally Challenged Child
Living At Home

14. SixAreas of Coverage
The Life Events Legal Plan:
 Preventive Legal Services
 Motor Vehicle Legal Services
 Trial Defense Services
 IRS Audit Legal Service
 25% Preferred Member Discount
 Legal Shield

15. Preventive Legal Services
These services are available to you immediately when you enroll!
 Phone consultation is available to you and your covered family
members on an unlimited number of matters.
 When your Provider Attorney feels it is in your best interest, a letter
will be written or a phone call will be made on an unlimited number
of personal issues for you and your family.
Phone consultation on unlimited matters is available to the extent the Provider Law Firm deems it necessary to adequately advise you on your legal matter. One (1)
hour of legal research per subject matter will be completed by the Provider Law Firm if your legal matter cannot be adequately addressed during your telephone
consultation. Nevada residents limited to 50 hours per year and 5 personal legal documents reviewed per year. A letter or phone call per subject matter is available
if advisable in your Provider Law Firm’s sole discretion. Trust preparation is available at the preferred member rate.

16. Preventive Legal Services
These services are available to you immediately when you enroll!
 When you are faced with signing a contract, have your Provider
Law Firm review it first! An unlimited number of personal contracts
and documents that are 10 pages or less in length will be reviewed
as a part of your membership.
 Standard Will preparation and yearly updates are included for the
member. Your spouse may have their Will prepared for no additional
fee if requested within 60 days of purchasing the membership. After
that time, your spouse may have their Will prepared, along with
other covered family members for an additional $20.
Phone consultation on unlimited matters is available to the extent the Provider Law Firm deems it necessary to adequately advise you on your legal matter. One (1)
hour of legal research per subject matter will be completed by the Provider Law Firm if your legal matter cannot be adequately addressed during your telephone
consultation. Nevada residents limited to 50 hours per year and 5 personal legal documents reviewed per year. A letter or phone call per subject matter is available
if advisable in your Provider Law Firm’s sole discretion. Trust preparation is available at the preferred member rate.

17. Motor Vehicle Legal Services
These services are available just 15 days after enrollment!
 Call your Provider Law Firm immediately when you receive a
moving traffic ticket so proper assistance can be arranged.
 Representation for certain motor vehicle related criminal charges
 Up to 2.5 hours for help with driver’s license assistance and/or
personal injury/property damage collection assistance of $2,000
or less.
Representation under this benefit is provided when the member has a valid driver’s license and is driving a properly licensed motor vehicle. Pre-existing
conditions, charges of DUI/DWI related matters, drug-related matters, hit-and-run related charges, leaving the scene of an accident, and unmeritorious cases
are excluded. Commercial vehicles with more than two axles are not covered. Driver’s license and personal injury/property damage recovery assistance is
limited to two and one-half (2-1/2) hours of lawyer time per claim, does not include the filing of a lawsuit, and excludes personal injury and property claims
exceeding $2,000.

18. Trial Defense Services
If you or your spouse face a civil suit or job-related criminal charges,
your Provider Law Firm will provide up to 75 hours of service - at no
added cost - to defend you. Additional pre-trial and trial services are
available at a 25% discount from the Firm’s standard hourly rate.
The longer you keep your membership, the more valuable it becomes!
1 st year - 75 hours (17.5 pretrial/57.5 trial)
2 nd year - 140 hours (23 hours pretrial/117 trial)
3 rd year - 205 hours (28.5 pretrial/176.5 trial)
4 th year - 270 hours (34 pretrial/236 trial)
5 th year - 335 hours (39.5 pretrial/295.5 trial)
Matters not covered under Plan benefits and which you may use your preferred member rate for services are: Dependents (covers member and spouse only),
Bankruptcy, divorce, separation, annulment, child custody or other divorce or domestic-related matters, Charges of DUI/DWI, drug-related matters (whether
prescribed or not), hit-and-run, leaving the scene of an accident, and civil or criminal charges occurring as a result of operating a commercial vehicle with more
than two axles, Plan benefits apply only to charges of job-related criminal actions. Benefits do not cover instances in which you are named in a civil lawsuit or
have criminal charges filed against you because you are listed as an owner, manager or associate of the business and you had no direct involvement with the
act or matter that gave rise to the lawsuit or criminal charge, Lawsuits filed because of something that occurred prior to your enrollment or because of conditions
that were reasonably anticipated or foreseeable prior to your enrollment (even if the lawsuit is filed after you become a member), Class actions, interventions or
amicus curiae filings in which the covered member is a party (or potential party), Garnishment, attachment or any other appeal, Claims, defenses, or legal
positions which your Provider Law Firm determines will not prevail in court or are frivolous or without merit.

19. IRS Audit Legal Services
 One hour of consultation, advice or assistance when you are
notified of an audit by the IRS
 An additional 2.5 hours if a settlement is not achieved within
30 days
 If your case goes to court, you’ll receive 46.5 hours of your
Provider Law Firm’s services
 Coverage for this service begins with the tax return due April
15 of the year you enroll
Coverage includes the return due on April 15th of the first membership year. Does not cover garnishment, attachment or any other appeal, class actions,
interventions or amicus curiae filings, charges of tax fraud or income tax evasions, Trust returns, business and/or corporate tax returns, payroll and information returns,
partnerships, corporation returns or portions thereof that are included in the member’s tax returns, pre-existing conditions—where member has been notified by the
IRS prior to enrollment, and services rendered by an enrolled agent.

20. 25% Preferred Member Discount
Your Provider Law Firm will render assistance at the preferred rate
for legal services not specifically covered by the benefits of the
membership. Even pre-existing matters can be covered under this
portion of the plan!
If you own a business and wish representation for the entity, you will
receive a preferred rate of 25% less the Provider Law Firm’s
corporate hourly rate*.
Five business days advance notice is required for preparation in
court representation.
*Hourly rates for Referral Lawyers and court appearances may vary.
The information contained in this material is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the coverage you
have selected. Please remember that only the plan contract can give actual terms, coverage, amounts, conditions, and exclusions. Check benefit availability in
your state/province.

21. Legal Shield
The Legal Shield gives you and your family 24-hour access to legal
consultation for the following situations:
 If you are detained by a law enforcement officer
 If you are injured in an accident
 If authorities attempt to remove your child from your home or
custody
 If you are served with a warrant
To contact your Provider Law Firm, simply call the toll-free number on your
Legal Shield card. You will reach the Pre-Paid Legal offices, who will then
put you in contact with your Provider Law Firm, so you can consult with an
attorney. It’s that easy.
The Legal Shield membership will not apply if the member is alleged to be under the influence of or impaired by alcohol, intoxicants, controlled
substances, chemicals or medicines, whether prescribed or not; the member is alleged to be involved with domestic violence or stalking; and/or
assistance in making, posting, or obtaining bond, bail or other security required for release. Check benefit availability in your state.

22. How Much Will It Cost?
Well, with a Pre-Paid Legal
membership you receive all
this for only $26 a month!
Isn't your family worth it?
That's less than the price of a
cup of coffee a day!

23. It’s No Secret
IdentityTheft is A Major Problem In America
 Do you hand your credit card to servers at restaurants?
 Do you supply personal information over the internet?
 Do you keep your Social Security number in your wallet or purse?
 Do you leave mail at your home or business for the postal carrier to collect?
 Do you throw away unwanted mail with personal information without shredding
it first?

24. Five Common Types of IdentityTheft
Social Medical Characte
Drivers Financi
Securit r/
License al
y Criminal
Identity Theft is not just about credit cards! ID theft is an
international crime and access to an attorney may be critical.

25. What is IdentityTheft?
Whyare you at risk?
 Utility Companies
 Insurance Companies
 Credit Card Records
 Medical Records
 Real Estate Records
 Motor Vehicle Records
 School Records
 Military Records
 Social Security Records
 Banking Records
 Employment Records
 Postal Records
 Purchasing Records
 Tax Records
 Leasing Records
 Licensing Records
Your Data is Out There

26. The Best Answer
Is Credit Monitoring Alone the Solution?

Social Medical Character/
Drivers Financial
Security Criminal
Identity Theft
License Identity Theft
Identity Theft Identity Theft
Identity Theft

27. The Best Answer
  
 
Restorative Restorative Restorative Restorative
Restorative
Services Services Services Services
Services
    
Life Events Life Events Life Events Life Events
Life Events
Legal Plan Legal Plan Legal Plan Legal Plan
Legal Plan
Social Medical Character/
Drivers Financial
Security Criminal
Identity Theft
License Identity Identity Theft
Identity Theft Identity Theft
Theft

28. The Best Answer
The Complete Wall of Security
YOU
Monitoring
Services
Life Events
Legal Plan
Restoration
Services

29. The Best Answer
Pre-Paid Legal Services, Inc.
is the only company with a
suite of products that
provides help in every phase
of Identity Theft – before,
during, and after the
crime occurs. IDentity Theft
SHIELD
TM
with the Pre-Paid Legal Plan

30. The Best Answer
Kroll is the world’s leading
risk consulting company with
more than 30 years of
experience. Kroll has been
involved in many notable IDentity Theft
SHIELD
cases, such as: TM
 Assisted the Kuwaiti government in with the Pre-Paid Legal Plan
investigating Saddam Hussein’s
financial network.
 Responsible for the restructuring of
Enron.

31. Credit Report & Continuous Monitoring
 You will receive an up-to-date credit report through Experian at
no additional charge with your membership.
 Your credit files will be regularlymonitored. Suspicious activity
will be brought to your attention, providing you with early
detection.
 You’ll receive prompt notice if any new accounts are opened in
your name... or if derogatory notations are added to your credit
report.

32. Restoration Services
If your identityis stolen, you need more than just information about
how to restore your name and credit rating. As an IdentityTheft
ShieldSM member you can rest easy knowing experienced
professionals are working for you!
Fraud alert notifications will be sent on your behalf and applicable
follow up will be done with affected agencies and institutions
Proactive searches of applicable local and national databases will
be made on your behalf to look for information you may not have
known about
Identity Restoration will not apply if the identity theft is the result of a dishonest, criminal, malicious, or fraudulent act you, your spouse, or your
child participated in, directed, or had knowledge of. Restoration services will not be provided for a known stolen identity event that
occurred prior to enrollment date. You must be an active member to receive restoration services. Services provided do not cover financial
losses arising from the identity theft. A signed limited power of attorney must be provided to Kroll when an Identity Theft Restoration case is
opened in order for Kroll to work on your behalf and/or provide the Proactive Database Searches listed. A stolen identity event does not
include the theft or unauthorized or illegal use of your business name, d/b/a, or any other method of identifying your business activity.

33. How Much Will Peace of Mind Cost?
With the Pre-Paid Legal Life
Events Legal Plan you will
receive all these benefits for
just $26 or less per month! And
the IdentityTheft Shield can
be added for an additional
$9.95 per month.
That’s less than the price
of a bottle of water a day.

34. What’s in It For You?
We need your help
taking this service and
opportunity to the
marketplace.

35. The Opportunity
How do people create WEALTH?
Work for someone else?
Get a second job? A third job?
Escalating Expenses
•Credit Cards •Car loans
•Taxes •Taxes
•Loans •Insurance
•Mortgages •Cell Phones
•College •Gasoline
•Taxes •Taxes

36. Two Goals
• Sign up every family for 2. Create more
the Life Events Legal millionaires than any
Plan and Identity Theft other company
Service
PPL TRACK RECORD:
PPL TRACK RECORD:
 In 2007 approximately
 Servicing more than 1.5 million
every 12 days a new family
families.
started earning a six-figure
 Over 34,000 companies offer
income working with PPL!
the services as an employee
 And approximately every 26
benefit.
days a new family joins the
Millionaire Club!
And you can, too, bydoing three simple things!

37. Advanced Commissions - $35.95
($26 PPL Family Plan + $9.95 Identity Theft Shield)
Cumulative
Team Override
Personal
Override Advance
Advance
Sales Advance
44.94 217.78
Executive 252.35
Director
34.57 172.84
207.41
Director
172.84 34.57 138.27
Manager
138.27 69.14 103.71
Senior
Associate
34.57
69.14 34.57
Associate
All you have to do is
34.57
Junior collect:
$35.95 1st Month's fee
Associate + $10.00 One Time
Enrollment
$45.95
Want to earn higher commissions immediately? If your first activity is
to recruit a new Junior Associate AND sell that person a membership,
you will immediately advance to Associate level and receive the
Associate level advance on that sale!
Commission amounts shown represent advances. If a membership cancels during the advance period, you will be charged

38. Advanced Commissions - $26 Plan
Cumulative
Team Override
Personal
Override Advance
Advance
Sales Advance
32.50 157.50
Executive 182.50
Director
25.00 125.00
150.00
Director
125.00 25.00 100.00
Manager
100.00 50.00 75.00
Senior
Associate
50.00 25.00 25.00
Associate
25.00
Junior All you have to do is
collect:
$26.00 1st Month's fee
Associate + $10.00 One Time
Enrollment
$36.00
Want to earn higher commissions immediately? If your first activity is to
recruit a new Junior Associate AND sell that person a membership, you
will immediately advance to Associate level and receive the Associate
level advance on that sale!
Commission amounts shown represent advances. If a membership cancels during the advance period, you will be charged

39. Pre-Paid Legal Pays You EveryDay
Commissions are paid daily by direct deposit!

40. Player’s Club
Qualify for the
Player’s Club
and receive a
Your monthlycar bonus can monthly car
range from $100 to $500! bonus!
*The program requires additional
requirements to be met. Review
the Player’s Club flier for full
details regarding this program.

41. This Business Is Simple
Let the tools do
the work for you!
 Hand Outs
 Brochures
 DVDs and CDs
 Mail Outs
 Calls
 Recordings
 Website
 Third-party validations

42. No Specific Experience Necessary
PICKENS DORSEY
RASMUSSE MUHAMMA SMITH
N
Military Landscaping D Grocer
Business Owner BellSouth
BURGESS SELF
DENNE GARDNER
MALLOY
Social Worker Store Manager
Custodian Attorney
G.E.D.

43. The Target Market Is Huge
The Top 10% Have
Or Can Afford Legal
Access
The Bottom 10%
Have Access To
Legal Aid or Public
Defender
Target Customer
$1 5 -$2 5
Pre-Paid Legal Services, Inc. Billion Market
gives middle income North
America equal access to justice.

44. The Market Timing Is Perfect
100 %
75 %
50 %
25 %
0%
Approximately
Less than 3 % of
80%
North Americans
Of Europeans
Have
Have
A Pre-Paid Legal
Legal Coverage
Services
Membership

45. Current Market Penetration
Less than 1%
penetration
1% to 3%
penetration
More than 3%
penetration
Plan not
available
This map illustrates Pre-Paid Legal Services , Inc.’s current market penetration. Percent of population based
®
on households utilization of 2.5 household members per membership.

46. Timing Is Key
History shows that when an industry hits a 2%
market penetration, critical mass can be achieved.
THE GROWTH OF HMO’S
•
It took 1 0 Years for HMO’s
60%
to
50%
• reach 2 % market
After that, it took just
40%
penetration
seven
30%
more years to reach 5 2 %
20%
market penetration
10%
0%
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17

47. Timing Is Key
The three major divisions of the insurance industry
have already achieved billions in market share.
100
90
80
70
60
50
40
30
20
10
0
LIFE AUTO HEALTH LEGAL

48. Timing
Recent National
Media Campaign
MIKE MOORE: Former Attorney General Mississippi
MIKE TURPEN: Former Attorney General Oklahoma
GRANT WOODS: Former Attorney General Arizona
ANDREW P. MILLER: Former Attorney General Virginia
THOMAS J . DONOHUE: President & CEO, U.S. Chamber of Commerce
HARRY C. ALFORD: President & CEO, National Black Chamber of Commerce
BILL PAUL: Former American Bar Association President

49. Success Stories
Now, it is time to show you
how Pre-Paid Legal really
works. We’re going to share
with you real stories from real
people who have been helped
either by the membership, the
business opportunity or both.

50. Investment
OR
$49 BASIC PROGRAM

51. Investment
As a FASTSTART Associate you receive:
BUILDERSPACK:
’
 Applications
 Brochures
 3 months FREE enhanced website
Help one person
 3 months FREE Televox
start their  1 Getting Started Right Book
business and sell  3 Training CDs
ten $35.95  3 Recruiting DVDs
 1 Recruiting CD
memberships =
$1,382.70 Special Executive Director support
and guidance to launch your business!

52. Action Steps
Become a Member

Become an Associate

Plug into Your Area Events

Thank you for your time.

53. See You Next Week
Tonight’s event was great, and we appreciate your being
here . . . but next week will be even better.
Don’t miss our special guest speaker!
Be sure to write it down because you definitely want to be
here. And be sure to bring people with you!

54. Pre-Paid Legal Services, Inc.
This presentation is copyrighted material and may not be
altered in anyform under any circumstances. Alteration of
this material in anyway is a violation of the companys
’
policies and procedures and may result in immediate
termination of your PPLSI Associate Agreement.
Marketed by Pre-Paid Legal Services, Inc. or applicable subsidiary:
Pre-Paid Legal CasualtySM, Inc.
In Tennessee: Pre-Paid Legal Services of Tennessee, Inc.
In Florida: Pre-Paid Legal Services, Inc., of Florida
In Virginia: Legal Service Plans of Virginia, Inc.
©1999 Pre-Paid Legal Services, Inc.
1.09