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Slide 1: Pre-Paid Legal Services, Inc. an d subsidiaries
Slide 2: Business Briefing  Three Major Problems and The Best Answers Opportunity and Timing Action Steps Needs   
Slide 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.
Slide 4: Second and Third Major Problems Identity Theft Access to the legal system for Everyday Life Events
Slide 5: Five Areas to Evaluate      The Company The Need/Marketplace The Product The Compensation The Timing
Slide 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
Slide 7: Pre-Paid Legal Featured in Many Publications Pre-Paid Legal was most recent ly feat ured in Success from Home ma gazine.
Slide 8: Sales History $450 $400 $350 $300 $250 $200 $150 $100 2000 2001 2002 2003 2004 2005 2006 2007 $255 $303 $350 $361 $386 $423 $444 $457 Our sales history continues to improv e as we move up and to the right each year. GROSS REVENUE IN MILLIONS
Slide 9: It’s Not If, But When 100 M 75 M 50 M 25 M 0 100 Million Million Hospitalizations in 2005* Court Filings in 2005** 37 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
Slide 10: Have You Ever . . .  been overcharged for a repair?  tried to return a defective product?  recei ved a traffic ticket?  los t a secur it y deposit?  been audited?  signed a contract?  purchas ed a home?  prepared a Will?  worried about ident ity theft?
Slide 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
Slide 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.
Slide 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
Slide 14: Six Areas 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
Slide 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.
Slide 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.
Slide 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.
Slide 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! 1st year - 75 hours (17.5 pretrial/57.5 trial) 2nd year - 140 hours (23 hours pretrial/117 trial) 3rd year - 205 hours (28.5 pretrial/176.5 trial) 4th year - 270 hours (34 pretrial/236 trial) 5th 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.
Slide 19: IRS Audit Legal Services  One hour o f co nsultatio n, advice or assistance when yo u are no tif ied of an audit by the IRS  An ad ditio nal 2.5 ho urs if a settlement is no t achieved within 30 days  If yo ur case goes to co urt, yo u’ll receive 46.5 hours o f your Pro vider L aw Fir m’s services  Co verage f or this service begin s with the tax return due April 15 of the year yo u enr oll 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.
Slide 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.
Slide 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.
Slide 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!
Slide 23: 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?
Slide 24: Five Common Types of Identity Theft Dr ivers L icen se S ocial Secur it y Med ical C haracte r/ C riminal F in an ci al Identity Theft is not just about credit cards! ID theft is an international crime and access to an attorney may be critical.
Slide 25: 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 Your Data is Out There
Slide 26: The Best Answer Is Credit Monitoring Alone the Solution?  Drivers License Identity Theft Social Security Identity Theft Medical Identity Theft Character/ Criminal Identity Theft Financial Identity Theft
Slide 27: The Best Answer Restorative Services  Restorative Services  Restorative Services  Restorative Services   Restorative Services  Life Events Legal Plan  Life Events Legal Plan  Life Events Legal Plan  Life Events Legal Plan Life Events Legal Plan  Drivers License Identity Theft Social Security Identity Theft Medical Identity Theft Character/ Criminal Identity Theft Financial Identity Theft
Slide 28: The Best Answer The Complete Wall of Sec urity YOU Monitoring Services Life Events Legal Plan Restoration Services
Slide 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
Slide 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 cases, such as:  Assisted the Kuwaiti government in investigating Saddam Hussein’s financial network.  Responsible for the restructuring of Enron. IDentity Theft SHIELD TM with the Pre-Paid Legal Plan
Slide 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 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.
Slide 32: 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 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.
Slide 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 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.
Slide 34: What’s in It For You? We need your help taking this service and opportunity to the marketplace.
Slide 35: The Opportunity How do people c reate WEALTH? Work for someone else? Get a second job? A third job? Escalating Expenses •Credit Cards •Taxes •Loans •Mortgages •College •Taxes •Car loans •Taxes •Insurance •Cell Phones •Gasoline •Taxes
Slide 36: Two Goals 1. 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. 2. Create more millionaires than any other company PPL TRACK RECORD:  In 2007 approximately every 12 days a new family started earning a six-figure income working with PPL! And approximately every 26 days a new family joins the Millionaire Club!  And you can, too, by doing three simple things!
Slide 37: Three Steps to a Successful Business 12 MONTHS #1. Become an Associate $ 249 $49 [right now!] 1. 2 ________ 4 2. ________ 8 3. ________ 16 4. ________ 32 5. ________ 64 6. ________ 128 7. ________ 256 8. ________ 512 9. ________ 1,024 10. ________ 2,048 11. ________ 4,096 12. ________ #2. Sign up for Legal Plan & IDT Shield $ 35.95/month #3. Sign up ONE new Associate per month and you and your organization each do these same THREE things. If only 1 out of 10 are working, that’s 400 Associates. If 400 Associates market one combo membership/month, that’s 400 X’s ED bonus/$40 = $16,000 Figures represent potential income only and are no guarantees of any certain income. Figures represent sales of both plans.
Slide 38: Advanced Commissions - $35.95 ($26 PPL Family Plan + $9.95 Identity Theft Shield) T eam Ove rr id e Per so na l S al e s Ad va n c e A d van c e C u mul a t i ve O v er ri d e A d v an c e Ex ecutive Director Dir ecto r Manager Sen ior Associate Asso ciate Junio r Asso ciate 252.35 207.41 172.84 138.27 69.14 34.57 44.94 34.57 34.57 69.14 34.57 217.78 172.84 138.27 103.71 34.57 A l l y ou ha ve t o d o i s c o .9 c $ 35ll e 5 t : 1 st Mo n t h 's f e e + $ 1 0.0 0 On e Ti me E n ro ll me n t $ 4 5.9 5 Want to earn higher commissions immediately? I f your first activity is to recruit a new Junior Associate AND sell that person a membership, you will immediately adv ance to Associate level and receive the Associate level adv ance on that sale! Commission amounts shown represent advances. If a membership cancels during the advance period, you will be charged
Slide 39: Advanced Commissions - $26 Plan Pe rs on al S al e s A dva n c e T ea m Ove rr id e A d van c e C u mu la t i ve O v er r id e A d v an c e Ex ecutive Director Director Manager Sen ior Associate Associate Jun io r Asso ciate 182.50 150.00 125.00 100.00 50.00 25.00 32.50 25.00 25.00 50.00 25.00 157.50 125.00 100.00 75.00 25.00 Want to earn higher commissions immediately? I f your first activity is to recruit a new Junior Associate AND sell that person a membership, you will immediately adv ance to Associate level and receive the Associate level adv ance on that sale! Commission amounts shown represent advances. If a membership cancels during the advance period, you will be A ll y o u h a ve t o d o i s $ c o ll ec t : 1 st Mo n t h 's fe e 2 6.0 0 + $ 10 .0 0 On e Ti me E n ro ll me nt $ 3 6.0 0
Slide 40: Pre-Paid Legal Pays You Every Day Commissions are paid daily by direct deposit!
Slide 41: Player’s Club Your monthly car bonus can range from $100 to $500! 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.
Slide 42: 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
Slide 43: No Specific Experience Necessary PICKENS Military RASMUSSE N Business Owner DORSEY Landscaping MUHAMMA D BellSouth SMITH Grocer DENNE Custodian MALLOY G.E.D. GARDNER Attorney BURGESS Social Worker Store Manager SELF
Slide 44: 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 $15-$25 Pre-Paid L egal S er vices, In c.Billion Market gives middle inco me N orth Am erica equal access to justice.
Slide 45: The Market Timing Is Perfect 100 % 75 % 50 % 25 % 0% Less th an 3% of North Am erican s Have A P re-Paid Legal S ervices M emb ership A pproxim ately 80% O f Europeans Have Legal C overage
Slide 46: Current Market Penetration Less than 1% penetration 1% to 3% penetration More than 3% penetration Plan not This map illustrates Pre-Paid Legal Services , Inc.’s current market penetration. Percent of population based available ® on households utilization of 2.5 household members per membership.
Slide 47: Timing Is Key History shows that when an industry hits a 2% ma rket penet ration, critical mass can be achieved. THE GROWTH OF HMO’S 60% 50% 40% 30% 20% 10% 0% 1 It took 10 Years for HMO’s to reach 2% market •After that, it took just penetration seven more years to reach 52% market penetration • 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17
Slide 48: Timing Is Key The three m ajor divisions of t he insurance indust ry have alr ead y achieved billions in market share. 100 90 80 70 60 50 40 30 20 10 0 LIFE AUTO HEALTH LEGAL
Slide 49: 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
Slide 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.
Slide 51: Action Steps    Become a Member Become an Associate Plug into Your Area Events Thank you for your time.
Slide 52: 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!
Slide 53: 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 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. In Ohio: Ohio Access to Justice, Inc., administered by Pre-Paid Legal Services, Inc. ©1999 Pre-Paid Legal Services, Inc. 5.08