Pre-Paid Legal Services, Inc. addresses common issues such as financial strain, identity theft, and lack of legal access for everyday life through affordable membership plans that offer preventative legal services and support. With over 30 years of experience and improving sales, they emphasize the importance of legal coverage, especially for middle-income families, offering services like contract reviews and consultations. The document also highlights the significant market opportunity for growth in legal services coverage as current penetration remains low in North America compared to Europe.

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

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

3. Credit Cards  Taxes  Loans  Mortgages  College Taxes  Car loans  Taxes  Insurance  Cell Phones Gasoline  Taxes  Etc. 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.

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 Many Publications Pre-Paid Legal was most recently featured in Success from Home magazine.

8. Sales History Our sales history continues to improve as we move up and to the right each year. GRO SS REVENUE IN MILLIONS $303 $350 $361 $386 $423 $444 $457 $464

9. It’s Not If, But When You are more than twice as likely to be in court than you are to be hospitalized! * American Hospital Association, 2006 Annual Survey ** Examining the Work of State Courts, Court Statistics Project 2007 100 M 75 M 50 M 25 M 0 37 Million 102 Million Hospitalizations in 2006* Court Filings in 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. Why Don’t People Call Attorneys They are intimidated by lawyers. They don’t know who to call. They believe it would cost too much. The Main Reasons People Don’t Seek Legal Counsel: 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. 1. The Member 2. The Member’s Spouse 3. Never Married Dependent Children Under 21 Living At Home 4. Full Time College Students Never Married, Dependent Children 5. Physically Or Mentally Challenged Child Living At Home Who Is Covered? The Pre-Paid Legal membership covers:

14. Preventive Legal Services Motor Vehicle Legal Services 25% Preferred Member Discount Legal Shield Four Areas of Coverage The Life Events Legal Plan:

15. Preventive Legal Services 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. These services are available to you immediately when you enroll!

16. Preventive Legal Services 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. These services are available to you immediately when you enroll!

17. Letters written on your behalf or preventive phone calls made to help you with warranty issues Review of leases and other documents Assistance in contacting government agencies Debt collection review and advice Tenant review and advice Small claims court advice Consumer protection benefits Legal Advice on matters relating to Social Security, Medicare and Veteran’s Benefits Legal Advice on Settlement of an Estate Preventive Legal Services (continued)

18. Motor Vehicle Legal Services Your Provider Law Firm will provide defense of moving traffic violations in the court of original jurisdiction through the initial court appearance and thereafter at a 25% discount Representation for certain motor vehicle related criminal charges through the initial court appearance and thereafter at a 25% discount Up to 2.5 hours of telephone assistance for help with driver’s license recovery and/or personal injury/property damage collection assistance of $2,000 or less. These services are available just 15 days after enrollment! 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.

19. 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.

20. 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.

21. How Much Will It Cost? Well, with a Pre-Paid Legal membership you receive all this for only $17 a month! Isn't your family worth it? That's less than the price of a cup of coffee a day!

22. It’s No Secret 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? Identity Theft is A Major Problem In America

23. Five Common Types of Identity Theft Identity Theft is not just about credit cards! ID theft is an international crime and access to an attorney may be critical. Drivers License Medical Financial Social Security Character/ Criminal

24. Why are 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 What is Identity Theft?

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

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

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

28. 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. TM SHIELD ID entity Theft with the Pre-Paid Legal Plan

29. 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 cases, such as: Assisted the Kuwaiti government in investigating Saddam Hussein’s financial network. Responsible for the restructuring of Enron. TM SHIELD ID entity Theft with the Pre-Paid Legal Plan

30. 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 regularly monitored . 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.

31. Restoration Services If your identity is stolen , you need more than just information about how to restore your name and credit rating. As an Identity Theft Shield SM 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.

32. Safeguard for Minors Children under the age of 18 have a much higher risk of identity theft than is commonly realized. Thieves target them because the child’s information may be used for years without discovery … until the minor is old enough to establish credit. Education, early detection, and expert consultation make for a powerful package of tools to minimize this risk. Up to four minor children can be enrolled for monitoring to detect existing credit files and it will cost the member only $1 more per month per family. All dependent children up to 18 are covered for consultation and restoration.

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 $17 or less per month! And the Identity Theft 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. How do people create WEALTH? Work for someone else? Get a second job? A third job? Escalating Expenses Credit Cards Taxes Loans Mortgages College Taxes The Opportunity Car loans Taxes Insurance Cell Phones Gasoline Taxes

36. Two Goals 2. Create more millionaires than any other company PPL TRACK RECORD: In 2008 approximately every 12 days a new family started earning a six-figure income working with PPL! And approximately every 24 days a new family joins the Millionaire Club! And you can, too, by doing three simple things! Sign up every family for the Life Events Legal Plan and Identity Theft Service PPL TRACK RECORD: Servicing more than 1.5 million families. Over 34,000 companies offer the services as an employee benefit.

37. Advanced Commissions - $26.95 ($17 PPL Family Plan + $9.95 Identity Theft Shield) All you have to do is collect: + $10.00 One Time Enrollment $36.95 Executive Director Senior Associate Associate 189.19 33.69 155.50 129.58 103.66 51.84 25.92 25.92 51.84 Director Manager Junior Associate 25.92 163.29 129.60 103.68 77.76 25.92 25.92 Team Override Advance Personal Sales Advance Cumulative Override Advance $26.95 1st Month's fee 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 back against future commission advances.

38. Advanced Commissions - $17 Plan Team Override Advance Personal Sales Advance All you have to do is collect: + $10.00 One Time Enrollment $27.00 Executive Director Senior Associate Associate 119.34 21.25 98.09 81.74 65.39 32.70 16.35 16.35 32.70 Director Manager Junior Associate 16.35 16.35 103.00 81.75 65.40 49.05 16.35 Cumulative Override Advance $17.00 1st Month's fee 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 back against future commission advances.

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

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

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 and now . . .

42. Viral Marketing Tool Marketing experts believe the most valuable ad placement today is on someone's internet home page. Through a partnership with blastoff , Pre-Paid Legal Services, Inc. now has the opportunity to expose individuals to their services through potentially millions of homepages. FREE... FUN... EASY... They shop, they save. You earn, and you market PPL.

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

44. The Top 10% Have Or Can Afford Legal Access The Bottom 10% Have Access To Legal Aid or Public Defender Target Customer $15-$25 Billion Market Pre-Paid Legal Services, Inc. gives middle income North America equal access to justice. The Target Market Is Huge

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

46. Current Market Penetration 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. Less than 1% penetration 1% to 3% penetration More than 3% penetration Plan not available

47. 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 10 Years for HMO’s to reach 2% market penetration After that, it took just seven more years to reach 52% market penetration 60% 50% 40% 30% 20% 10% 0% 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17

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

49. Timing 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: P resident & CEO, National Black Chamber of Commerce BILL PAUL: Former American Bar Association President Recent National Media Campaign

50. 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.

51. Investment $49 BASIC PROGRAM OR

52. Investment As a FAST START Associate you receive: BUILDER’S PACK: Applications Brochures 3 months FREE enhanced website 3 months FREE Televox 1 Getting Started Right Book 3 Training CDs 3 Recruiting DVDs 1 Recruiting CD Help one person start their business and sell ten $26.95 memberships = $1,036.60 Special Executive Director support and guidance to launch your business!

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

54. 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!

55. Pre-Paid Legal Services, Inc. This presentation is copyrighted material and may not be altered in any form under any circumstances. Alteration of this material in any way is a violation of the company’s 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 Casualty SM , 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. 4.09