Pre-Paid Legal Services ®, Inc. and subsidiaries

Five Areas To Evaluate The Company The Need/Marketplace The Product The Compensation The Timing

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

Pre-Paid Legal Has Been Featured in Many Major Publications Pre-Paid Legal was most recently featured in the Success from Home magazine.

Sales History Our sales history continues to improve as we move up and to the right each year. GROSS REVENUE IN MILLIONS $196 $255 $303 $350 $361 $386 0 $350 $300 $250 $200 $150 $100 $400

It’s Not If, But When You Are More Than Twice As Likely To Be In Court Than You Are To Be Hospitalized! *Hospital Statistics, American Hospital Association, 2002 Edition ** Examining the Work of State Courts, M 75 M 50 M 25 M 0 36 Million 93 Million Hospitalizations in 2002* Court Filings in 2002**

Have You Ever... 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?

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

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

Who Is Covered By The Pre-Paid Legal Membership? 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

Five Areas of Coverage Expanded Family Plan Preventive Legal Services Motor Vehicle Legal Services Trial Defense Services IRS Audit Legal Services 25% Preferred Member Discount

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!

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 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 hours (23 hours pretrial/117 trial) 3rd year hours(28.5 pretrial/176.5 trial) 4th year hours (34 pretrial/236 trial) 5th year 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.

IRS 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. 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 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 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 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. It’s that easy. 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; the member is being detained for outstanding warrants; the member needs assistance in making, posting, or obtaining bond, bail or other security required for release.

How Much Will It Cost Well, with a Pre-Paid Legal membership you receive all of 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!

Identity Theft Shield "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: 27.3 million victims - last 5 years 9.9 Million victims in 2002 alone $53 Billion in losses And what’s worse, new records are expected this year.

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?

The Identity Theft Shield With Kroll, Inc. Kroll Background America is the world’s leading risk consulting company with more than 30 years of experience. They have been involved in many notable cases: Assisted the Kuwaiti government in investigating Saddam Hussein's financial network Responsible for the restructuring of Enron

Credit Report You’ll 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. Continuous Credit Monitoring 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…

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.

How Much Will This Peace Of Mind Cost 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.

It’s Simple The Pre-Paid Legal Opportunity is simply telling other people about this legal service and our business! It’s even easier now, just share this magazine with everyone.

Advanced Commissions - $26 Plan Associate level commissions are paid as they are earned. Fast Start to Success (FSTS) recruits will begin receiving commissions and overrides, paid as a 1-year advance, after they meet the FSTS requirements. Residual income begins after the advance period. That means you get paid month after month for the life of the membership. *Represents earnings once the Associate has completed the CFT program. Team Override Advance Personal Sales Advance* Your immediate goal as a New Associate is to qualify as a Certified Field Trainer (CFT): Recruit three new Associates with a membership and you will receive $150 ($50 X 3) Earn an additional $225 for each new Associate you help become CFT qualified All you have to do is collect: $ st Month's fee + $10.00 One Time Enrollment $36.00 Executive Director Senior Associate Associate Director Manager CFT Associate 50.00

Advanced Commissions - $35.95 ($26 PPL Family Plan + $9.95 Identity Theft Shield) Your immediate goal as a New Associate is to qualify as a Certified Field Trainer (CFT): Recruit three new Associates with a membership and you will receive $ ($69.14 X 3) Earn an additional $ for each new Associate you help become CFT qualified Team Override Advance Personal Sales Advance* All you have to do is collect: $ st Month's fee + $10.00 One Time Enrollment $45.95 Executive Director Senior Associate Associate Director Manager CFT Associate *Represents earnings once the Associate has completed the CFT program.

Pre-Paid Legal Pays You Every Day Commissions are paid daily by direct deposit!

This Business Is Easy Just let the tools do the work for you! Hand Out Mail Out Call DVDs & CDs Recordings Website Third Party

The Top 10% Have Or Can Afford Legal Access The Bottom 10% Have Access To Legal Aid or Public Defender Target Customer $15-$25 Billion Market Pre-Paid Legal Services ®, Inc. gives middle income North America equal access to justice. The Target Market is Huge

The Market Timing Is Perfect 100 % 75 % 50 % 25 % 0 % Less than 2% of North Americans Have A Pre-Paid Legal Services Membership Approximately 80% Of Europeans Have Legal Coverage

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 2% penetration More than 2% penetration Plan not available

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%

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.

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: 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