every american\'s dream

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Pre-Paid Legal Services, Inc. and subsidiaries

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Page 1: Every American\'s Dream

Pre-Paid Legal Services, Inc.and subsidiaries

Page 2: Every American\'s Dream

Three Major Problems and

Needs

The Best Answers

Opportunity and Timing

Action Steps

Business Briefing

Page 3: Every American\'s Dream

Credit Cards Taxes Loans Mortgages CollegeTaxes 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.

Page 4: Every American\'s Dream

Second and Third Major Problems

Identity Theft

Access to the legal system

for Everyday Life Events

Page 5: Every American\'s Dream

Five Areas to Evaluate

The Company

The Need/Marketplace

The Product

The Compensation

The Timing

Page 6: Every American\'s Dream

The Company

Harland C. StonecipherFounder, Chairman, & CEO

Has been in business for more than 30 years

Is a public company since 1976 (NYSE:PPD)

Began with a serious auto accident.

Page 7: Every American\'s Dream

Pre-Paid Legal Featured in Many Publications

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

Page 8: Every American\'s Dream

2000 2001 2002 2003 2004 2005 2006 2007$255 $303 $350 $361 $386 $423 $444 $457

Sales History

Our sales history continues to improve as we move up and

to the right each year.

GR

OS

S R

EV

EN

UE

IN M

ILLI

ON

S

$100

$350

$300

$250

$200

$150

$400

$450

Page 9: Every American\'s Dream

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, 2005 Annual Survey ** Examining the Work of State Courts, Court Statistics Project 2006

100 M

75 M

50 M

25 M

0

37Million

100Million

Hospitalizationsin 2005*

Court Filingsin 2005**

Page 10: Every American\'s Dream

Have You Ever . . .

worried about your identity theft? 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?

Page 11: Every American\'s Dream

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

Page 12: Every American\'s Dream

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.

Page 13: Every American\'s Dream

1. The Member2. The Member’s Spouse3. 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

Who Is Covered?

The Pre-Paid Legal membership covers:

Page 14: Every American\'s Dream

Preventive Legal Services Motor Vehicle Legal Services Trial Defense Services IRS Audit Legal Service 25% Preferred Member Discount Legal Shield

The Life Events Legal Plan:

Six Areas of Coverage

Page 15: Every American\'s Dream

Preventive Legal Services

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 and yearly updates included for the member, available to 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!

Page 16: Every American\'s Dream

Motor Vehicle Legal Services

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.

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.

Page 17: Every American\'s Dream

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.

Page 18: Every American\'s Dream

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.

Page 19: Every American\'s Dream

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.

Page 20: Every American\'s Dream

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.

Page 21: Every American\'s Dream

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!

Page 22: Every American\'s Dream

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?

Page 23: Every American\'s Dream

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 Securi

ty

Character/

Criminal

Page 24: Every American\'s Dream

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 ThereYour Data is Out There

What is Identity Theft?

Page 25: Every American\'s Dream

The Best Answer

DriversLicense Identity Theft

Medical Identity Theft

Financial Identity Theft

Social Security Identity Theft

Character/ Criminal

Identity Theft

Is Credit Monitoring the Solution?

Page 26: Every American\'s Dream

RestorativeServices

The Best Answer

DriversLicense 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

ServicesRestorative

ServicesRestorative

ServicesRestorative

Services

Page 27: Every American\'s Dream

The Complete Wall of Security

The Best Answer

Life Events Legal Plan

YOU

MonitoringServices

Restoration Services

Page 28: Every American\'s Dream

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

SHIELDIDentity Theft

with the Pre-Paid Legal Plan

Page 29: Every American\'s Dream

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

SHIELDIDentity Theft

with the Pre-Paid Legal Plan

Page 30: Every American\'s Dream

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.

Page 31: Every American\'s Dream

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 experiencedprofessionals are working for you!

Fraud alert notifications will be sent on your behalf and applicablefollow 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.

Page 32: Every American\'s Dream

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.

Page 33: Every American\'s Dream

What’s in It For You?

We need your help taking this service and opportunity to

the marketplace.

Page 34: Every American\'s Dream

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

Page 35: Every American\'s Dream

Two Goals

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!

1. Sign up every family for the Life Events Legal Plan and Identity Theft ServicePPL TRACK RECORD:

Servicing more than 1.5 million families.

Over 34,000 companies offer the services as an employee benefit.

Page 36: Every American\'s Dream

#1. Become an Associate $ 249 $99 [right now!]

#2. Sign up for Legal Plan & IDT Shield $ 35.95/month

1. ________ 2. ________ 3. ________ 4. ________ 5. ________ 6. ________ 7. ________ 8. ________ 9. ________10. ________11. ________12. ________

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$16,000Figures represent potential income only and are no guarantees of any certain income. Figures represent sales of both plans.

#3. Sign up ONE new Associate per month and you and your organization each do these same THREE things.

248

163264

128256512

1,0242,0484,096

Three Steps to a Successful Business

12 MONTHS

Page 37: Every American\'s Dream

Advanced Commissions - $35.95

($26 PPL Family Plan + $9.95 Identity Theft Shield)

All you have to do is collect:$35.95 1st Month's fee

+ $10.00 One Time Enrollment $45.95

Executive Director

Senior AssociateAssociate

252.35 44.94

207.41

172.84

138.27

103.71

34.57

34.57

34.57

Director

Manager

CFT Associate 34.57

Commission amounts shown represent advances. If a membership cancels during the advance period, you will be charged back against future commission advances.

183.22

138.28

103.71

69.14

34.5734.57

Team OverrideAdvance

Personal Sales

Advance

CumulativeOverride Advance

Page 38: Every American\'s Dream

Advanced Commissions - $26 Plan

Commission amounts shown represent advances. If a membership cancels during the advance period, you will be charged back against future commission advances.

Team OverrideAdvance

Personal Sales

Advance

All you have to do is collect:$26.00 1st Month's fee

+ $10.00 One Time Enrollment $36.00

Executive Director

Senior AssociateAssociate

182.50 32.50

150.00

125.00

100.00

75.00

25.00

25.00

25.00

Director

Manager

CFT Associate 25.00

25.00

132.50

100.00

75.00

50.00

25.00

CumulativeOverride Advance

Page 39: Every American\'s Dream

Pre-Paid Legal Pays You Every Day

Commissions are paid daily by direct deposit!

Page 40: Every American\'s Dream

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 canrange from $100 to $500!

Page 41: Every American\'s Dream

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

Page 42: Every American\'s Dream

SMITHGrocer

MUHAMMAD

BellSouth

DORSEYLandscaping

RASMUSSEN

Business Owner

SELFStore Manager

No Specific Experience Necessary

PICKENSMilitary

GARDNERAttorney

BURGESSSocial Worker

MALLOYG.E.D.

DENNECustodian

Page 43: Every American\'s Dream

The Top 10% Have Or Can Afford Legal AccessThe Bottom 10%

Have Access To Legal Aid or Public Defender

Target Customer$15-$25

Billion MarketPre-Paid Legal Services, Inc. gives middle income North America equal access to justice.

The Target Market Is Huge

Page 44: Every American\'s Dream

The Market Timing Is Perfect

100 %

75 %

50 %

25 %

0 %Less than 3% ofNorth Americans

Have A Pre-Paid Legal

Services Membership

Approximately 80%

Of Europeans Have

Legal Coverage

Page 45: Every American\'s Dream

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

Page 46: Every American\'s Dream

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

Page 47: Every American\'s Dream

0102030405060708090

100

LIFE AUTO HEALTH LEGAL

Timing Is Key

The three major divisions of the insurance industry have already achieved billions in market share.

Page 48: Every American\'s Dream

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

Timing

National Media Campaign

Page 49: Every American\'s Dream

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.

Page 50: Every American\'s Dream

Become a Member

Become an Associate

Plug into the Training

SYSTEMS TRAINING

Date Location Trainers

Action Steps

Thank you for your time.

Page 51: Every American\'s Dream

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!

Page 52: Every American\'s Dream

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 FloridaIn 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.3.08