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

3.  The Company  The Need/Marketplace  The Product  The Compensation  The Timing FIVE AREAS TO EVALUATE

4. THE COMPANY  Over 31 Years In Business  Began With A Serious Auto Accident  Public Company Since 1976 THE COMANY THE COMPANY Harland C. Stonecipher Founder, Chairman, and CEO

5. 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

6. $300 $250 $200 $150 $120 $80 $50 + $34M + $26 M + $34 M + $35 M + $43 M + $51 M + $55 M 1994 $25 1995 $59 1996 $85 1997 $119 1998 $154 1999 $197 2000 $248 2001 $303 2002 $ 350 $350 + $47 M THE COMPANY Sales History

7. 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

8. “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 “Identity Theft is the fastest growing crime in history.” - Federal Bureau of Investigation (FBI)

9. THE NEED/MARKETPLACE You Are Three Times More Likely To Be In Court Than You Are To Be Hospitalized! 100 M 75 M 50 M 25 M 0 34 Million 97 Million Hospitalizations Annually Court Filings Annually

10.  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

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

12. THE PRODUCT Identity Theft America’s Fastest Growing Crime According to the Federal Trade Comm.: Last Year Alone, 10 million people were victimized 1 in 4 US Households! On average, victims spend more than 600 hours and $1,500 in out-of-pocket expenses to clear their names. The average total fraudulent dollars charged soared to more than $39,000 per victim. 41% of all victims are still dealing with the problem more than two years after the crime was discovered. Why take a chance?

13. THE PRODUCT Identity Theft What If It Happened To You Would You Even Know Where to Start?  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 175 hours in your time to resolve problems caused by identity thieves  Get regular monitoring with Kroll and PPL

14. THE NEED/MARKETPLACE  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:

15. THE PRODUCT 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

16. THE PRODUCT 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

17. THE PRODUCT For a small monthly fee of $35.95 Or Less, members receive a comprehensive legal service plan that provides their family protection of their legal rights, peace of mind and security.

18. THE PRODUCT 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.

19. THE PRODUCT 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

20. THE PRODUCT 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.

21. THE PRODUCT 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!

22. THE PRODUCT Legal Shield Rider 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#

23. THE PRODUCT Identity Theft Shield KROLL, INC. The World’s Foremost Risk Consulting Company They provide 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.

24. THE PRODUCT Identity Theft Shield Benefits Provided for our Members: 1. CREDIT REPORTS – Know What it Says ! CREDIT SCORE – Know How Lending Institutions View You ! 2. CREDIT MONITORING – You’ll receive prompt notice if any new accounts are opened in you name…or if derogatory notations are added to your credit report ! 3. IDENTITY RESTORATION – Get the help you need it ! 4. RESTORATION REIMBURSEMENT – Receive up to $25,000 reimbursement for expenses you may face while working to clear your name.

25. THE PRODUCT 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. Why Would I Need This? 4. I Don’t Need A Lawyer, Why Should I Buy This Membership?

26. PRE-PAID LEGAL Success Stories

27. THE COMPENSATION The Pre-Paid Legal business opportunity is simply... telling other people about this legal service!

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

29. THE COMPENSATION How many memberships could you market in a month? 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

30. 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 $249 Training  Corporate Training Program F$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

31. YOU GET PAID EVERY DAY! Monday Tuesday Wednesday Thursday Friday Pre-Paid Legal Services, Inc. 321 East Main St. Ada, Oklahoma 74821 Commission 111001560 31 2508 1251 Pay to the order of dollars 111001560 31 2508 1251 THE COMPENSATION

32. PPL Player’s Club Retention Bonus Plus Car bonuses of $300 to $700 per month Plus Annual Trips Accommodations and Air Fare for Two

33. PRE-PAID LEGAL Success Stories

34. 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

35. 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

36. 80% of Europeans have a prepaid legal plan. THE TIMING Pre-Paid Legal’s first 30 years have been in lock step with Arag’s first 28 years in Europe

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

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

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

40. Platinum Executive Director Patrick Shaw Best Western Hotel (on 8 th ) SPECIAL GUEST SPEAKER NEXT WEEK