This document discusses Pre-Paid Legal Services and their legal plans and identity theft protection services. It outlines three major problems facing many people today: not having enough money, lack of time freedom, and identity theft. It then summarizes Pre-Paid Legal's solutions which include legal plans that provide access to attorneys for everyday legal needs starting at $10.95 per month, identity theft monitoring and restoration services for an additional $9.95 per month, and the opportunity to earn money by referring others to these services. The timing for these services is described as opportune given the prevalence of identity theft and legal issues people face.

1. Pre -Pa id Le ga l Se rvic e s , Inc .
a nd s ubs idia rie s

2. Business Briefing
 Three Ma jo r Pro ble m s and
Ne e ds
 The Be s t Ans we rs
 Oppo rtunity and Tim ing
 Ac tio n 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
Ide ntity The ft
Ac c e s s to the le ga l s ys te m
fo r Eve ryda y Life Eve nts

5. Five Areas to Evaluate
 The Co m pa ny
 The Ne e d / Ma rke tpla c e
 The Pro duc t
 The Co m pe ns a tio n
 The Tim ing

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
GROSS REVENUE
IN MILLIONS
$475
$450
$425
$400
$375
$350
$325
$300
2001 2002 2003 2004 2005 2006 2007 2008
$303 $350 $361 $386 $423 $444 $457
$464
Our sales history continues to improve as we move up and to the right
each year.

9. It ’s Not If, But When
102
100 M
75 M Million
50 M
25 M
37
Million
0
Hospitalizations Court Filings
in 2006* in 2006**
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

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
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. Three Areas of Coverage
The Life Events Legal Plan :
 Preventive Legal Services
 25% Preferred Member Discount
 Legal Shield

15. Preventive Legal Services
These services are a vailable to you im mediately 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 a vailable to you im mediately 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. 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.

18. 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.

19. How Much Will It Cost ?
Well, with a Pre -Paid Legal
membership you receive
all this for only $10.95 a
month! Isn't your family
worth it?
That's less than the price of
a cup of coffee a day!

20. It ’s No Secret
Identity Theft 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?

21. Five Common Types of Identity Theft
Drivers Social Medical Characte Financi
License Securit r/ 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.

22. What is Identity Theft ?
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
Yo ur Da ta is Out The re

23. The Best Answer
Is Credit Monitoring Alone the Solution ?
    
Drivers Socia l Medical Character/ Financial
License Security Identity Theft Crim inal Identity Theft
Identity Theft Identity Theft Identity Theft

24. 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
Drivers Social Medical Character/ Financial
License Security Identity Theft Crim inal Identity Theft
Identity Theft Identity Theft Identity Theft

25. The Best Answer
The Co m ple te Wa ll o f Se c urity
YOU
Monitoring
Services
Life Events
Legal Plan
Restoration
Services

26. 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

27. 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
cases, such as:
SHIELD
TM
 Assisted the Kuwaiti government in with the Pre-Paid Legal Plan
investigating Saddam Hussein’s
financial network.
 Responsible for the restructuring of
Enron.

28. 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.

29. 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.

30. 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 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.

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

32. The Opportunity
Ho w do pe o ple c re a te 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

33. 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 2008 approximately
Servicing more than 1.5 million
families. every 12 days a new family
 Over 34,000 companies offer started earning a six-figure
the services as an employee income working with PPL!
 And approximately every
benefit.
24 days a new family joins
the Millionaire Club!
And you can , too, by doing three simple things !

34. Advanced Commissions - $ 20.90
($10.95 PPL Family Plan + $9.95 Identity Theft
Shield) Personal Team Override Cumulative
Sales Advance Advance Override Advance
Executive 146.72 26.13 126.63
Director
Director 120.59 20.10 100.50
Manager 100.49 20.10 80.40
Senior 80.39 40.20 60.30
Associate
Associate 40.20 20.10 20.10
Junior 20.10 All you have to do is
collect:
$20.90 1st Month's fee
Associate + $10.00 One Time
Enrollment
$30.90
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

35. Advanced Commissions - $ 10.95 Plan
Personal Team Override Cumulative
Sales Advance Advance Override Advance
Executive 76.87 13.69 66.34
Director
Director 63.18 10.53 52.65
Manager 52.65 10.53 42.12
Senior 42.12 21.06 31.59
Associate
Associate 21.06 10.53 10.53
Junior 10.53 All you have to do is
collect:
$10.95 1st Month's fee
Associate + $10.00 One Time
Enrollment
$20.95
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

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

37. Player’s Club
Qualify for the
Player’s Club
and receive a
Your monthly car 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.

38. 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

39. No Specific Experience Necessary
PICKENS RAS MUS S E DORS EY MUHAMMA S MITH
Military N Landscaping D Grocer
Business Owner BellSouth
DENNE MALLOY GARDNER BURGES S SELF
Custodian G.E.D. Attorney Social Worker Store Manager

40. 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
Ta rg e t Cus to m e r
$ 1 5 -$ 2 5
Pre-Paid Legal Services, Inc. Billio n Ma rke t
gives middle income North
America equal access to justice.

41. The Market Timing Is Perfect
100 %
75 %
50 %
25 %
0 %
Le s s tha n 3 % o f Appro xim a te ly
No rth Am e ric a ns 80%
Ha ve Of Euro pe a ns
A Pre -Pa id Le g a l Ha ve
Se rvic e s Le g a l Co ve ra g e
Me m be rs hip

42. 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.

43. Timing Is Key
History shows that when an industry hits a 2%
market penetration, critical mass can be achieved.
THE GROWTH OF HMO’S
•
60% It to o k 1 0 Ye a rs fo r HMO’s
50% to
• re a c h 2 % m a rke t
40% Afte r tha t , it to o k jus t
pe ne tra tio n
30% s e ve n
m o re ye a rs to re a c h 5 2 %
20%
m a rke t pe ne tra tio n
10%
0%
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17

44. 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

45. 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
HARRYC. ALFORD: President & CEO, National Black Chamber of Commerce
BILL PAUL: Former American Bar Association President

46. 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.

47. Investment
OR
$ 49 BASIC PROGRAM

48. Investment
As a FASTSTART Associate you receive:
BUILDER’S PACK:
 Applications
 Brochures
 3 months FREE enhanced website
Help one person
 3 months FREE Televox
start their  1 Getting Started Right Book
business and  3 Training CDs
sell ten $20.90  3 Recruiting DVDs
memberships =  1 Recruiting CD
$803.90 Special Executive Director support
and guidance to launch your business!

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

50. 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!

51. Pre -Paid Legal Services , Inc.
This presentation is copyrighted material and may
not be a ltered in any form under a ny circumstances .
Alteration of this ma terial in any way is a violation of
the company’s policies and procedures and may
result in immediate termination of your PPLSI
Associa te 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.
4.09