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Slide 1: PPL Legal Care of Canada Corporation
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 GROSS REVENUE IN MILLIONS $475 $450 $425 $400 $375 $350 $325 $300 2001 2002 $ 303 $ 350 $46 4 2003 $36 1 2004 2005 2006 2007 $386 $423 $ 444 2008 $457 Our sales history continues to improv e as we move up and to the right each year.
Slide 9: 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?  signed a contract?  purchas ed a home?  prepared a Will?  worried about ident ity theft?
Slide 10: 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 11: What Do We Do Simply put a Pre-Paid Legal membership does for lawyer and legal bills what medical insurance does for doctor and hospital bills.
Slide 12: 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 13: Areas of Coverage The Life Events Legal Plan:  Preventive Legal Services  25% Preferred Member Discount
Slide 14: Preventive Legal Services These services are available to you immediately when you enroll!  Phone consultation on an unlimited number of matters  A Letter written or phone call made on an unlimited number of personal issues for you and your family  An unlimited number of personal contracts and documents reviewed up to 10 pages each  Standard Will preparation  Powers of Attorney Preparation** 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 15: Preventive Legal Services (continued)  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 assistance  Legal Advice on settlement of an estate
Slide 16: 25% Preferred Member Discount Your Provider Law Firm will render assistance at a preferred rate which is 25% less the normal hourly rate for legal services not otherwise covered by the membership. Even pre-existing matters can be covered under this portion of the plan! You will receive a 33.3% discount off your Provider Law Firm’s standard hourly rate for representation should you need legal services that must be performed outside of a lawyer’s office. * Five business days advance notice is required for preparation in court representation. *Hourly rates for Referral Lawyers and court appearances may vary. Preferred Member Discount: Hourly rates for Provider Law Firms and court appearances may vary. Please note that a retainer may be required for services to be rendered under this benefit. At least five business days are required for preparation in court representation. Telephone advice is available immediately.
Slide 17: 25% Preferred Member Discount - continued Should you require assistance of a lawyer in the United States, on a retainer basis, simply contact your Provider Law Firm. They will arrange a referral to an appropriate United States lawyer. You will be entitled to a 25% discount off that lawyer’s standard hourly rate for the services provided. A retainer will normally be required for services to be rendered under this benefit. Five business days advance notice is required for preparation in court representation. 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 18: Assistance If Arrested Or Detained The benefit 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 membership 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 lawyer. It’s that easy. This benefit 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.
Slide 19: How Much Will It Cost? Well, with a Life Events Legal Plan 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 20: It’s No Secret Identity Theft is A Major Problem In North America  Do you hand your credit card to servers at restaurants?  Do you supply personal information over the internet?  Do you keep your Social Insurance 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 21: Five Common Types of Identity Theft Dr ivers L icen se So cial Insuran ce Med ical C haracte r/ C riminal F in an ci al Identity Theft is not just about credit cards! Identity theft is an international crime and access to an lawyer may be critical.
Slide 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 I nsurance Records Banking Records Employment Records Postal Records Purchasing Records Tax Records Leasing Records Licensing Records Your Data is Out There
Slide 23: The Best Answer Is Credit Monitoring Alone the Solution?  Drivers License Identity Theft Social Insurance Identity Theft Medical Identity Theft Character/ Criminal Identity Theft Financial Identity Theft
Slide 24: 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 Insurance Identity Theft Medical Identity Theft Character/ Criminal Identity Theft Financial Identity Theft
Slide 25: The Best Answer The Complete Wall of Sec urity YOU Monitoring Services Life Events Legal Plan Restoration Services
Slide 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
Slide 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 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 28: Expedited Consumer Credit Disclosure A Consumer Credit Disclosure will help you to make sure your financial records are accurate. You can receive a copy of your current consumer credit disclosure and we’ll help you obtain it at no additional charge.
Slide 29: Expedited Delivery of Consumer Credit Disclosures Quarterly You will be provided easy to use forms to request your consumer credit disclosure one every three months. By ordering your consumer credit disclosure quarterly, you will be actively involved in helping to monitor your own credit information. Learning of suspicious activity before it ruins your credit is crucial. Your credit file will be provided to you free of charge by the credit bureau as required by provincial credit reporting legislation. This product offers assistance for you to request your consumer credit file disclosure as an additional benefit of the service. No purchase is necessary to obtain your credit file disclosure from the credit bureau.
Slide 30: 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. This benefit applies to you, your spouse and any dependent children up to the age of 18. 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 lawyer 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 31: How Much Will Peace of Mind Cost? With the 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 32: What’s in It For You? We need your help taking this service and opportunity to the marketplace.
Slide 33: 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 34: 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 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!
Slide 35: 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 36: 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 37: Pre-Paid Legal Pays You Every Day Commissions are paid daily by direct deposit!
Slide 38: 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 39: 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 . . .
Slide 40: 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.
Slide 41: No Specific Experience Necessary PICKENS Military RASMUSSE N Business Owner DORSEY Landscaping MUHAMMA D BellSouth SMITH Grocer DENNE Custodian MALLOY G.E.D. GARDNER lawyer BURGESS Social Worker Store Manager SELF
Slide 42: 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 43: 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 44: 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 45: 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 46: 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 47: 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 48: Investment OR $49 BASIC PROGRAM
Slide 49: Investment As a FAST START Associate you receive: BUILDER’S PACK:  Applications  Brochures  3 months F REE enhanced website  3 months FREE Televox  1 Getting Started Right Book  3 Training CDs  3 Recruiting DVDs  1 Recruiting CD Special Executive Director support and guidance to launch your business! Help one per son st art their busines s and sell ten $35.95 mem bers hips = $1,382.70
Slide 50: Action Steps    Become a Member Become an Associate Plug into Your Area Events Thank you for your time.
Slide 51: 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 52: 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 Canada: PPL Legal Care of Canada Corporation ©1999 Pre-Paid Legal Services, Inc. 4.09