Pre-Paid Legal Services ®, Inc. and Subsidiaries

THE COMPANY Over 30 Years In Business Began With A Serious Auto Accident Public Company Since 1976 (NYSE:PPD) THE COMANY THE COMPANY Harland C. Stonecipher Founder, Chairman, and CEO

Pre-Paid Legal Has Been Featured in Many Major Publications THE COMPANY

THE NEED/MARKETPLACE You Are More Than Twice As Likely To Be In Court Than You Are To Be Hospitalized! 100 M 75 M 50 M 25 M 0 36 Million 93 Million Hospitalizations in 2002* Court Filings in 2002** * Hospital Statistics, American Hospital Association, 2002 Edition ** Examining the Work of State Courts, 2002

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? Have You Ever... THE NEED/MARKETPLACE

They Are Intimidated By Lawyers They Dont Know Who To Call They Believe It Would Cost Too Much Ig nore The Problem Try To Handle It Personally The Main Reasons People Dont Seek Legal Counsel: The Most Common Responses To A Legal Dispute Are To:

THE PRODUCT Simply put, a Pre-Paid Legal Plan does for attorney and legal bills what an medical insurance does for doctor and hospital bills. What Do We Do?

THE PRODUCT Who Is Covered By The Pre-Paid Legal Membership? 1) The Member 2) The Members 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

THE PRODUCT 25% Preventive Legal Services Motor Vehicle Legal Services Trial Defense Services IRS Audit Legal Services Other Legal Services Five Areas of Coverage - Standard Family Plan

UNDER TITLE I: A letter or phone call per subject matter is available if advisable in your Provider Attorneys sole discretion. Nevada residents limited to 50 hours of telephone consultation per year and five personal legal documents reviewed per year. In New York, these benefits are provided at a reduced fee. Check benefit availability in your state/province. THE PRODUCT I. 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 and Yearly Updates Included for the Member, Available to Covered Family Members for an Additional $20

THE PRODUCT UNDER TITLE II: Representation under this benefit is provided as a result of the operation of a properly licensed motor vehicle. Your membership helps you with the cost of representation for moving traffic violations and defense of motor vehicle related criminal charges. You are responsible for any court costs, fines, and related fees. Pre-existing conditions, charges of DUI/DWI, hit and run, drug-related matters, and unmeritorious cases are excluded. Commercial vehicles with more than two axles are not covered. In New York, these benefits are provided at a reduced fee. Check benefit availability in your state/province. II. 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 drivers license assistance and/or personal injury/property damage collection assistance of $2,000 or less.

THE PRODUCT UNDER TITLE III: Trial Defense Services cover the member and spouse for covered civil actions or for criminal actions which arise out of the performance of the covered persons employment responsibilities. Not covered are dissolution of marriage, separation, annulment, child custody or other divorce-related matters, bankruptcy, charges of DUI/DWI, or drug-related matters. Acts or matters occurring prior to the membership that give rise to a lawsuit even though the lawsuit may be filled after enrollment are excluded as pre-existing conditions. You may use your 25% discount and the unlimited toll-free consultation benefit for any of these exclusions. In New York, these benefits are provided at a reduced fee. Check benefit availability in your state/province. III. Trial Defense If you or your spouse face a civil suit or job-related criminal charges, your Provider Law Firm will provide up to 60 hours of service - at no added cost - to defend you. Additional pre- trial and trial services are available at a 25% discount from the Firms standard hourly rate. The longer you keep your membership in force, the more valuable it becomes! 1st year - 60 hours (2.5 pretrial hours/57.5 trial hours) 2nd year hours (3 hours pretrial/117 trial hours) 3rd year hours (3.5 pretrial hours/176.5 trail hours) 4th year hours (4 pretrial hours/236 trial hours) 5th year hours (4.5 pretrial hours/295.5 trial hours)

THE PRODUCT UNDER TITLE IV: This portion of the plan does not cover audits of Schedule C only, charges of tax fraud or evasion, corporate, trust, or business returns. In New York, these benefits are provided at a reduced fee. Check benefit availability in your state/province. IV. Federal Tax Audit Legal Services Up to 50 hours of Provider Law Firm services once you receive written notice from the IRS that you are being audited or if you are requested to appear at the IRS office regarding your tax return. Coverage for this service begins with the tax return due April 15th of the year you enroll.

THE PRODUCT UNDER TITLE V: 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. V. Other Legal Work 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! If you own a business and wish representation for the entity, you will receive a preferred rate of 25% less the Provider Law Firms 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 PRODUCT The Legal Shield service 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 the member is being detained for outstanding warrants. Check benefit availability in your state. Legal Shield The Legal Shield gives you and your family 24-hour access to legal consultation if you are detained, for only $1 a month - as an additional benefit to your Family Plan membership. 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 about your detainment. Its that easy.

THE PRODUCT What Do You Think This Would Cost Well, with a Pre-Paid Legal membership you receive all of this for only $15.95 a month! Isn't your family worth it? That's less than the price of a cup of coffee a day!

"America's fastest Growing Crime" In September 2003, the Federal Trade Commission issued a report on the impact of Identity Theft in the United States and the numbers are alarming: And whats worse, new records are expected this year. THE PRODUCT Identity Theft Shield 27.3 million victims - last 5 years 9.9 Million victims in 2002 alone $53 Billion in losses

THE PRODUCT ITS 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?

THE PRODUCT Kroll Background America is the worlds leading risk consulting company: Publicly traded on the NASDAQ Over 30 years in business They have been involved in many notable cases: Assisted the Kuwaiti government in investigating Saddam Hussien's financial network Responsible for the restructuring of Enron Played an instrumental role in the lives saved during the September 11, 2001 World Trade Center tragedy PPL Launches the Identity Theft Shield Through Kroll, Inc.

THE PRODUCT Credit Report Continuous Credit Monitoring Your credit files will be regularly monitored. Suspicious activity will be brought to your attention, providing you with early detection. Youll receive prompt notice if any new accounts are opened in your name... or if derogatory notations are added to your credit report… Youll receive an up-to-date credit report through Experian at no additional charge with your membership. You will also receive a personal credit score calculated by an independent scoring service and a detailed analysis of that score.

THE PRODUCT Identity Restoration If your identity is stolen, get more than just information about how to restore your name and credit rating. As an Identity Theft Shield 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.

THE PRODUCT The value of these services is priceless, but we had to put a price tag on it. Only $9.95 a month, in addition to your PPL membership, both you and your spouse receive the benefits of the Identity Theft Shield. This membership is also available as a stand-alone product for just $12.95/month. How much is this peace of mind going to cost?

PRE-PAID LEGAL Success Stories

PRE-PAID LEGAL 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 companys policies and procedures and may result in immediate termination of your PPLSI Associate Agreement. Marketed by Pre-Paid Legal Services ®, Inc. or applicable subsidiary: In Tennessee: Pre-Paid Legal Services of Tennessee, Inc. In Florida: Pre-Paid Legal Services, Inc., of Florida In Mississippi: National Pre-Paid Legal Services of Mississippi, Inc. 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