Life Events Legal Plan & Identity Theft Shield Pre-Paid Legal Services, Inc. and subsidiaries

Have You Ever...  worried about 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?

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.

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 Who Is Covered? The Pre-Paid Legal membership covers:

 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

Preventive Legal Services  Phone consultations 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!

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.

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 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 Firm’s standard hourly rate. The longer you keep your membership, the more valuable it becomes! 1st year - 60 hours (2.5 pretrial/57.5 trial) 2nd year hours (3 hours pretrial/117 trial) 3rd year hours (3.5 pretrial/176.5 trial) 4th year hours (4 pretrial/236 trial) 5th year hours (4.5 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.

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.

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.

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.

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?

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 Security Character/ Criminal

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 What is Identity Theft?

The Complete Wall of Security What can you do? Life Events Legal Plan YOU Monitoring Services Restoration Services

How can we help? 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 SHIELD ID entity Theft with the Pre-Paid Legal Plan

Kroll’s Identity Theft Shield 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 SHIELD ID entity Theft with the Pre-Paid Legal Plan

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.

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.

Safeguard for Minors Children under the age of 18 have a much higher risk of identity theft than is commonly realized. Thieves target them because the child’s information may be used for years without discovery … until the minor is old enough to establish credit. Education, early detection, and expert consultation make for a powerful package of tools to minimize this risk. Up to four minor children can be enrolled for monitoring to detect existing credit files and it will cost the member only $1 more per month per family. All dependent children up to 18 are covered for consultation and restoration.

Employee Cost Pre-Paid Legal Plan: $15.95 per month Identity Theft Shield: $12.95 per month Pre-Paid Legal + Identity Theft Shield: $25.90 (Identity Theft Shield becomes $9.95, when added to Legal Plan) Safeguard for Minors: $1.00 per month (Rider that may be added to the Identity Theft Shield) For additional information, contact our Independent PPL Representative: Rhona Unsell or