2. Pre-Paid Legal Services ®, Inc. and subsidiaries

3.  The Company  The Need/Marketplace  The Product  The Compensation  The Timing

4.  Over 32 Years In Business  Began With A Serious Auto Accident  Debt Free  40 Million in Cash  Public Company Since 1976 Harland C. Stonecipher Founder, Chairman, and CEO THE COMPANY

5. Featured in all These Publications! THE COMPANY

6. What Others Are Saying About Pre-Paid Legal One of the 200 Best Small Companies In America 5 Years In A Row! #13 Out of the Top 50 Stocks of the 90’s! One of the Fastest Growing Companies In America For 2 Years In A Row! THE COMPANY

7. Equities magazine rated Pre-Paid Legal Services ®, Inc. the 33rd Fastest Growing Company on the New York Stock Exchange. THE COMPANY

8. + $47 M $450 $350 $250 $200 $150 $50 1994 $25 1995 $59 1996 $85 1997 $119 1998 $154 1999 $197 2000 $255 2001 $303 2002 $350 $400 THE COMPANY $300 $100 2003 $361 2004 + $34 M + $26 M + $34 M + $35 M + $43 M + $58 M + $48 M + $47 M + $11 M Gross Revenue (Millions)

9. The American Bar Association Says: “Americans have come to view legal assistance as a necessity. The best way for the majority of Americans to be able to assure themselves of legal assistance when they need it… is through a prepaid legal plan”. THE NEED/MARKETPLACE

10. “More Than Half Of All Households Have A Legal Situation Right Now.” - American Bar Association “Even Law Abiding Americans Will Encounter A Potential Legal Situation An Average Of Four To Six Times Per Year!” - National Resource Center for Consumers of Legal Services THE NEED/MARKETPLACE

11. 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 Annually (2002) Court Filings Annually (2002) THE NEED/MARKETPLACE * Hospital Statistics, American Hospital Association, 2002 Edition ** Examining the Work of State Courts, 2002

12.  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?  Had your Identity Stolen? Have You Ever... THE NEED/MARKETPLACE

13.  They Are Intimidated By Lawyers  They Don’t Know Who To Call  They Believe It Would Cost Too Much  Ignore The Problem  Try To Handle It Personally The Main Reasons People Don’t Seek Legal Counsel: The Most Common Responses To A Legal Dispute Are To: THE NEED/MARKETPLACE

14. What is a Pre-Paid Legal Plan? Simply put, a Pre-Paid Legal Plan does for Attorney and Legal Bills what an Major Medical does for Doctor and Hospital bills.

15. Preventive Motor Vehicle Trial Defense Tax Audit Other 25% Legal Shield Seven Areas of Coverage Identity Theft Shield THE PRODUCT

16. I. Preventive Legal Services These services are available to you immediately when you enroll!!  Phone Consultation for Unlimited Legal Matters  Phone Calls and Letters  Contract and Document Review  Standard Will Preparation THE PRODUCT

17. II. Motor Vehicle Legal Services These services are available just 15 days after enrollment!!  Call your Provider Law Firm immediately when you get a ticket so proper representation can be arranged. Don’t delay!  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. THE PRODUCT

18. 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 THE PRODUCT

19. Family Plan + Identity Theft Shield $35.95 per month One-time enrollment fee of $10.00 Cost THE PRODUCT

20. 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 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. Your Provider Law Firm will assist you even if your insurance company appoints an attorney to you. The longer you keep your membership in force, the more valuable it becomes!  1st year - 75 total hours  2nd year - 140 total hours  3rd year - 205 total hours  4th year - 270 total hours  5th year - 335 total hours THE PRODUCT

21. 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

22. There Are Four Common Questions 1. What Kind Of Representation Will I Get? 2. Why Would A Major Law Firm Want To Do This? 3. I Have A Friend Or Relative Who Is A Lawyer. 4. I Don’t Need A Lawyer, Why Should I Buy This Membership? THE PRODUCT

23. 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! THE PRODUCT

24. Legal Shield If You are Arrested, Detained or Questioned You Have: Miranda Rights 24 hr legal access by phone Legal access 7-days a week Legal Shield Card with 800# THE PRODUCT

25. Identity Theft What If It Happened To You? Would You Even Know Where to Start? Options Include:  Call your Bank / credit card company  Contact 3 credit repositories  Follow FTC 30-page consumer publication  Submit affidavit from FTC to dispute new, unauthorized accounts  Spend on average $1,500 in out-of-pocket expenses and an average of 600 hours in your time to resolve problems caused by identity thieves  Get regular monitoring with Kroll and PPL THE PRODUCT

26. Identity Theft Shield KROLL, INC. The World’s Foremost Risk Consulting Company Kroll provides a broad range of investigative, intelligence, financial, security, and technology services to help clients reduce risks, solve problems and capitalize on opportunities. More than 60 offices on six continents Multi-disciplinary corps of more than 2,200 employees Serve a global clientele of law firms, financial institutions, corporations, non-profit institutions, government agencies and individuals. THE PRODUCT

27. Identity Theft Shield Benefits Provided for our Members: 1. CREDIT REPORTS – Know what it says! CREDIT SCORE – Know how lenders view you! 2. CREDIT MONITORING – You’ll receive prompt notice if any new accounts are opened in your name…or if derogatory notations are added to your credit report ! 3. PROACTIVE ID THEFT SEARCHES – Kroll will scan MVR, Criminal Records and County Agencies for your name to verify no illegitimate uses. 4. IDENTITY RESTORATION – Get the help you need, when you need it! THE PRODUCT

28. PRE-PAID LEGAL Success Stories

29. The Pre-Paid Legal Business Opportunity is simply... telling other people about this legal service! THE COMPENSATION

30. Ways We Build our Business  Individual Memberships  Small Business Plans  Group Benefits  Building a Team THE COMPENSATION

31. Ways We Get Paid  1 Year Advance Commission  Residual Income for Life of the Membership  Overrides From Building a Team THE COMPENSATION

32. All You Do - Collect: $26.00 First Month Family Plan 9.95 First Month Identity Theft + 10.00 One-time Enrollment Fee $45.95 TOTAL $249 Investment  Marketing Materials Plus F$T$ Media Kit from Corporate F$T$ CLASS 4-hr Live Training 103.70 Associate 138.27 Senior Associate 172.84 Manager 207.41 Director 34.57 252.35 Executive Director Performance Bonus BONUS 44.94 Personal Production Team Overrides Position 34.57 THE COMPENSATION

33. YOU GET PAID EVERY DAY! Monday Tuesday Wednesday Thursday Friday Pre-Paid Legal Services, Inc. One Pre-Paid Way Ada, Oklahoma 74821 Commission 111001560 31 2508 1251 Pay to the order of dollars 111001560 31 2509 1252 111001560 31 2510 1253 111001560 31 2511 1254 111001560 31 2512 1255 THE COMPENSATION

34. “THE PLAYERS CLUB” Register 5 Memberships Per Month For 12 Months! CAR ALLOWANCES $300 - $500 PER MONTH THE COMPENSATION An additional incentive for consistency

35. PRE-PAID LEGAL Success Stories

36. THE TIMING 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 THE TIMING

37. 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 THE TIMING

38. 100 % 75 % 50 % 25 % 0 1.5% 80% United States Europe Population Owning Pre-Paid Legal Plans

39. 80% of Europeans have a prepaid legal plan. Pre-Paid Legal’s first 30 years have been in lock-step with Arag’s first 28 years in Europe THE TIMING

40. Access To Legal Aid or Public Defender “This Is The Wave Of The Future. The Total Legal Industry for 80 Percent Of Americans In The Middle Class Is A $15 To $25 Billion Industry” Already Have Or Can Afford Legal Access THE TIMING

41. “To Us, It Sounds Like Healthcare Coverage Before It Turned Into A Trillion Dollar Industry” THE TIMING

42.  A Solid Company  An Established Need  A Product Fills The Need  A Lucrative Compensation Plan  And Perfect Timing ` PRE-PAID LEGAL

43.  Become A Member  Become An Associate  Attend Training Now Is The Time! Getting Started PRE-PAID LEGAL

44. Changing Lives PRE-PAID LEGAL