Complete SB Flip

Pre-Paid Legal
Services®, Inc.
and Subsidiaries
WELCOME!
Pre-Paid Legal
Services®, Inc.
and Subsidiaries
“Drive-By” Lawsuits
Killing Small Business
“Small-Business owners often can’t afford
to defend themselves against potential ….
[lawsuits] and are therefore forced to settle
these claims” - $5,000 for Defense +
$12,000 for Plaintiffs attorney’s fees and
damages!
CO rolls back “loser

pay” Hurting Small Biz!
“.. Groundless suits could be filed against
businesses in hopes they’ll settle out of
court.” Plaintiffs are not responsible to pay
defendants court costs even if they lose!
Four Areas For Evaluation!
How will it Help Protect & Grow My Business?

The Companies
Pre-Paid Legal Services, Inc.
GoSmallBiz.com
Kroll
The Value of the Service
Is it Affordable?
The Need / Marketplace!
“Your business can be devastated if a trial lawyer and a
disgruntled employee [or customer] file a lawsuit.
However, you can take steps to protect yourself.”
- Nation’s Business, February 1998
Have You Ever...

Had a dispute with a supplier, landlord, customer or employee?
Had difficulty collecting money from customers?
Signed a contract or document you hadn’t fully read or understood?
Had questions about incorporating and legally protecting your business?
Worried about being sued by customers, vendors, or employees?
Wanted to market your business more effectively over the internet?
Wanted to have a resource for ANY business or legal question?
Wanted to get advice on increasing your business revenue or profits?
Ever wished you could afford to have an experienced Lawyer or Business Consultant/Coach
without having to worry about the fees involved?
Had to hire or fire an employee?
Business Needs Analysis
• Which of these have you used or needed before?
Benefit Have Used Needed Approx. Cost Lawyer /
Consultant
Legal Correspondence Fee/Hour:
Legal Consultation
Internet Guidance
Debt Collection Market Cost:
Sales & Marketing
Suggestions
Tax Information Plan Cost:
Contract Review
Trial Defense Services
Small Claims Assistance
Other
Which of these benefits would you have used if you

didn’t have to be concerned with Cost?
THE COMPANY
Pre-Paid Legal Services Inc.
Over 34 Years In Business
Began With A Serious Auto Accident
Public Company Since 1976
Focus on Integrity, & Customer Service
Harland C. Stonecipher
Founder, Chairman,
and CEO
THE COMPANY
Founded in 1996
46,000 + Active Members
Focus on Helping Entrepreneurs &
Micro-Businesses ……..
Gain access to Knowledge & Tools
Protect & Grow their Business
Fran Tarkenton
Founder, Entrepreneur
NFL Hall of Fame
THE COMPANY
Kroll Background America
The world’s leading Risk Consulting Company:
♦ Publicly traded on the New York Stock Exchange
♦ Over 34 years in business
♦ Wall Street’s “Private Eye.”
They have been involved in many notable cases:

♦ Assisted the Kuwaiti government in MMC
investigating Saddam Hussiens's financial network
♦ Responsible for the restructuring of Enron
♦ Played an instrumental role in SAVING LIVES during the
September 11, 2001 World Trade Center tragedy
♦ Conducts security clearance background investigations on

current and prospective federal employees, military personnel
and contractors.
What Others are Saying…..
Pre-Paid Legal Has Been Featured in

Many Major Publications
“Pre-Paid Legal Services provides its members with the peace of
mind of knowing that whether their child has gotten a speeding
ticket or they have had their identity stolen, they have at their
disposal attorneys to give them sound legal advice.”
Mike Moore - Advisory Council Member (Former Mississippi Attorney General)
I don’t have the name of the lawyer (who assisted me) in front of me, but he was pleasant, understanding and
efficient. He also got the letter out to my customer in pretty quick turn around. I got a call from my customer,
the day after I received my copy of the lawyer’s letter. I settled for $400 of the $885 he owed me. I know it was
a loss, but it was also a win. I could have taken him to court, and won a judgment, but then I would have to still
send a collector to get the money. I’d be out a days work, a lot of stress and paperwork to show my case etc,
and it would have distracted me until it was settled. This way, I got part of what was due, the customer learned
not to press his luck with me, and I didn’t have to fret about it for months waiting for an outcome. Please let the
lawyer know I do appreciate his work on my behalf. Thank you again.
Rick Fredlund, Utah
Thank you for connecting us with Pre-Paid Legal. We chose the Business Owners Legal Solution Plan and
have been thrilled with the response and service that we have received. The friendly folks at (my provider firm)
always returned our calls within several hours and were knowledgeable and courteous with their assistance.
We have used them to review a number of our contracts; both to our clients as well as from our vendors.
When we call for help we are able to speak with a staff attorney or referred out to one of the many local
attorneys right here in San Diego. The GoSmallBiz.com website is a wealth of resources. There are lots of
documents online that can be used as a starting point. They can be reviewed by the PPL staff and edited to
more closely match our purposes. Thank you again for your assistance with this great service.
Jesse Johnson, California
THE PRODUCT
What Do We Do?
The Complete Wall of Security:
Simply put, a Pre-Paid Legal

Plan Protects your Business
before during and after life’s
You legal events and/or Identity
Theft issues just like medical
insurance does for doctor
and hospital bills, while
helping you to Grow your
Business!
THE PRODUCT
Legal Consultation Services
Toll-Free Telephone Consultations with your Provider
Lawyer on an Unlimited Number of Business Issues.
Examples:
•Employee hiring •Partnership
•Equipment leases •Landlord/tenant issues
•Joint ventures •Hiring/termination
•Bankruptcy •City zoning
•Verbal contracts •Vendor problems
•Incorporation •Bad check recovery
•Intellectual property •Customer complaints
•Small claims •Workers' Compensation
•Partnership •Creditor harassment
•Disclaimer verbiage
Excludes coverage for those matters which the Provider Attorney determines are raised an inordinate or unreasonable number of times without substantial
change of circumstances. In order to facilitate the most effective representation of your business, once it has been determined that your business is entitled to
coverage under any other benefit, the designated spokesperson shall communicate only with the specific attorney(s) handling those matters. Legal matters
covered under Designated Consultations are not covered under this benefit.
THE PRODUCT
Correspondence & Documents
• Legal Correspondence
– Three Letters each month on behalf of your
business.
•One Letter per subject matter.
– Follow-Up Letters Provided at 25% Discount
• Contract & Document Review
– 3 Contracts or Documents up to 15 pg.
reviewed per/month
IRS Audit Legal Services for Schedule C

• Professional Services Including
– 50 hours
– 3.5 pre-trial
• Coverage includes the return due on
April 15th of the first membership year
(see family benefits)
It is within the sole discretion of the Provider Attorney to determine whether a letter(s) is appropriate in a given situation. Collection letters, covered by the Debt
Collection Letters Benefit, are specifically excluded from the Legal Correspondence Benefit.
THE PRODUCT
• You’ll receive a 25% discount off your
Provider Law Firm’s standard hourly rate
should your business be charged in a civil
action filed in state or federal district court.
Reduced Fee Services

• Litigation Representation and Any Other
Legal work, including pre-existing conditions
are provided at a 25% Discount
Trial Defense Services do not cover claims or charges relating to worker’s compensation, inquiries or actions by a government agency, bankruptcy proceedings,
alcohol or substance abuse, chemical abuse or dependency, class actions or interventions, amicus curiae filings, class actions filed in which your business is a
party or potential party, or preexisting conditions.
THE PRODUCT
Unlimited Business Consultation
What’s Your Question?
• 24 Hour Access to a team of top business consultants, in-house staff, and
GoSmallBiz.com Business Partners via Email or Fax!
• Attempt to provide direct, hands-on, business advice and counseling at
no cost in your region.
• Members rely on GoSmallBiz consultants every business day for
guidance on issues, such as:
• Tax Breaks • Financial Options
• Accounting Decisions • Investment Rational
• HR Issues • Website Traffic
• Marketing Strategies • Time Management
• Legal Documents • Advertising
Consultants are current or previous business owners with at least 7 years

of experience and have in-depth knowledge in a least one specific
business discipline!
THE PRODUCT
Unlimited Access to the best Small Business Resource on the Internet!
Benefits for your
Submit Questions to business such as a
your Consultants 4-page website!
Information for New
Business Owners Network with the
SmallBiz Directory
Research the
information you need Tools to Help you
in our content Run and Grow Your
channels. - Over Business
50,000 Documents
Featured Weekly
Article Time Saving Links
for You!
(GoSmallBiz – Home Page)

THE PRODUCT
Content Channels Provide Information you Need when you Need It!
Helpful Links and Articles – Detailed

Resources information on
specific topics.
Weekly Tip of Answers – Selection

Interest of questions
answered by our
consultants for you
to review.
Handy Tools &
Forms
FAQ’s – Answers to
commonly asked
questions you would
(Tax & Accounting – Home Page) expect to find in each
content section.
THE PRODUCT
Customize Legal Documents!
1. Choose your document

2. Use the Wizard
3. Edit in your Word Processor
4. Have your Law Firm Review It!
THE PRODUCT
Timely Small Business Articles
• Receive a broad array of current information to help you run & grow your
business!
• Access to GoSmallBiz News Content
• Monthly GoSmallBiz.com e-newsletter!
Internet Presence
• Create & Maintain your own multi-page Web Site!
• Use our Unique Web Site Builder!
• Upload Photos, Links
• Provides a way for your customers to contact you!
• Hosted at no additional cost!
THE PRODUCT
Learning Tools
• E-Books by Fran Tarkenton to Help you Build Your Business
• Discounted Rates on Many other Tools, Books, Audio’s, Etc.
Small Business Directory

• Place for small business owners to connect, network and receive
exposure for their business
• Work with other Small Business Owners!
Risk Assessment & Reduction

• Customized Risk Analysis for Your Business
• Facilities Risk Assessment
• Labor Risk Assessment
• Identity Theft Risk Assessment & Affirmative Defense Response System
(ADRS)
• Financial Risk Assessment
• Business Entity Risk Assessment
THE PRODUCT
We also Protect Your Family

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
Expanded Family Plan and Identity Theft Shield
Preventive 25% Identity

Legal Theft
Services Shield
Motor 24 hr
Vehicle Legal
Legal Services
Services Trial
Defense Preferred
Services Member
Services
IRS Audit
Legal
Services
THE PRODUCT
Preventive Legal Services
Phone Consultation on an Unlimited
Number of Matters
Phone Calls and Letters on an Unlimited
Number of Personal Issues
Unlimited Contract and Document Review
(up to 10 pages each)
Comprehensive Will Preparation
Living Will Preparation
Durable Medical Power of Attorney
$20 for Covered Family Members
These services are available to you immediately when you enroll!!
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.
THE PRODUCT
Legal Shield
• What would you do if you were detained by
a law enforcement officer? Do you know
your rights?
• What would you do if you're injured in an
accident?
• What if the authorities attempted to remove
your child from your home or custody?
• What if an officer arrived at your door with
a warrant?
Contact your Lawyer 24/7/365!

Would that give you some peace of mind?
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, obtaining bond, bail or other security required for release. Check benefit availability in your state.
THE PRODUCT
Motor Vehicle Legal Services
¾Representation for moving
traffic violations
¾Representation for motor vehicle

criminal charges
Vehicular Manslaughter,
Negligent Homicide
Up to 2.5 hours for help with:

Driver’s license assistance
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.
THE PRODUCT
Trial Defense
Your Provider Attorney will assist you and your
spouse in the defense of civil suits and job-related
criminal charges.
1st year - 75 total hours (17.5 pretrial/57.5 trial)
Your membership becomes more

valuable the longer you keep it in force!
2nd year-140 total hours (23 pretrial/117 trial)
3rd year-205 total hours (28.5 pretrial/176.5 trial)
4th year-270 total hours (34 pretrial/236 trial)
5th year-335 total hours (39.5 pretrial/295.5 trial)
Matters not covered here, but under Title V: Dependents, 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 the accident, criminal or civil charges from
operation of a commercial vehicle w/more than 2 axles, lawsuits for actions taken prior to enrollment, Class actions, interventions, or amicus curiae filings,
Garnishment, or legal positions which your Provider Law Firm determines will not prevail in court.
THE PRODUCT
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.
Contact your Provider Law Firm Immediately!

Would that give you some peace of mind? YES
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, corporations 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.
THE PRODUCT
All Other Legal Services
DISCOUNT Savings 25%

25% OFF the normal hourly rate
for legal service.
NOT otherwise covered by
the membership.
Pre-existing conditions, Immigration, Divorce, Adoption,
DUI, Bankruptcy, Child Support, etc…..
Hourly rates of referral attorneys may vary and are not guaranteed. 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.
THE PRODUCT
Identity Theft Shield
1. CREDIT REPORTS – Know what’s on it, learn
what your score is!
2. CREDIT MONITORING – Know when…
• New accounts are opened
• Derogatory notations are made
• Public records have been added
• Inquiries or changes of address are
made
3. RESTORATION!!
• Fraud alert notifications sent on your behalf
and follow up will be done with all affected
agencies and institutions!
• Proactive searches of applicable local and
national databases will be made for you!
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 will not be provided for a known stolen identity event that occurred prior to enrollment date. Services provided do
not cover financial losses arising from Identity Theft. A signed limited power of attorney must be provided to Kroll when your case is opened.
THE PRODUCT
How much would you pay for …
The Complete Wall of Security?
Life Events Monitoring &

Legal Plan
Restoration
For Family You Services
& Business
Small Business
Consultant Services
THE PRODUCT
Is the ability to Protect & Grow your business, while
protecting your family worth $1.97 a day?
For as little as $58.95 per

month a Pre-Paid Legal
Small Business Plan helps
you to Protect Your Family
while Protecting and
Growing Your Business!
In other words many of the legal and consulting services
you need most from an attorney, and/or consultant are
PRE-PAID by your membership!
Protect and Grow Your Business!
• What do you like best about your Small

Business Plan?
• Who besides yourself would you like to
have access to your business services?
• Who else do you know that would be
interested in this service?
The Next Steps….
Lets move forward:

• When can we come back and assist you with creating your website, and
show you how to use your services?
• Get your Free Customized Compliancy Report for your Business

• Facility Compliance (ADA, OSHA)
• Labor Law Compliance
• Identity Theft (FACTA, GLB, HIPPA)
• Financial Stability Assessment
• Business Entity Assessment
• Set up your Free Affirmative Defense Response Services (ADRS)

WELCOME!
Pre-Paid Legal
Services®, Inc.
and Subsidiaries
damages!


The Companies
GoSmallBiz.com
Kroll
Is it Affordable?
Have You Ever...

Consultant
Legal Consultation
Internet Guidance
Sales & Marketing
Suggestions
Contract Review
Other

THE COMPANY
Founder, Chairman,
and CEO
THE COMPANY
Founded in 1996
Fran Tarkenton
NFL Hall of Fame
THE COMPANY


and contractors.

Rick Fredlund, Utah
THE PRODUCT
What Do We Do?

Business!
THE PRODUCT
Examples:
THE PRODUCT
Designated Consultations
Two Half-Hour Telephone Consultations per Year on
Complex Issues Arranged by Your Law Firm
Examples:
•Securities •Commodities
•Patents •Trademarks
•Copyrights •Admiralty
•Anti-Trust •International Law
•Complex Tax Issues •Immigration
•Import/Export •Issues Outside Your
Customs Matters State
THE PRODUCT
•Legal Correspondence
– One Letter per subject matter each year
•Debt Collection Letters
– 10 Initial Debt Collection Letters per/month
•Contract Review
– 3 Contracts up to 15 pg. reviewed per/month
•Executed Contract Review
– One Signed Contract up to 10 pg. reviewed per month
•Document Review
– 3 business documents up to 15 pg. reviewed per month
THE PRODUCT
• You have up to 75 hours of your

Provider Law Firm’s time if your
business is named defendant or
respondent in a covered civil action filed
in court which is related to business
activities.
• 15 hours of Pre-Trial and 60 hours of

Trial Time
THE PRODUCT
• Litigation Representation and Other

Legal work within the State provided at
a 25% Discount
• 5% Discount on the Law Firm’s

Standard Contingency Fee
THE PRODUCT

THE PRODUCT
Benefits for your
Information for New
SmallBiz Directory
Research the
50,000 Documents
Featured Weekly
for You!

THE PRODUCT

specific topics.

answered by our
consultants for you
to review.
Handy Tools &
Forms
commonly asked
questions you would
content section.
THE PRODUCT

2. Use the Wizard
THE PRODUCT
business!
Internet Presence
THE PRODUCT
Learning Tools


(ADRS)
THE PRODUCT

1) The Member



Living At Home
THE PRODUCT

Legal Theft
Services Shield
Motor 24 hr
Vehicle Legal
Legal Services
Services Trial
Defense Preferred
Services Member
Services
IRS Audit
Legal
Services
THE PRODUCT
Number of Matters
THE PRODUCT
Legal Shield
your rights?
accident?
a warrant?

THE PRODUCT
traffic violations

criminal charges
Negligent Homicide


THE PRODUCT
Trial Defense
criminal charges.

THE PRODUCT

return.


THE PRODUCT

for legal service.
the membership.
THE PRODUCT
what your score is!
made
3. RESTORATION!!
THE PRODUCT

Legal Plan
Restoration
& Business
Small Business
Consultant Services
THE PRODUCT


Business Plan?
The Next Steps….
Lets move forward:



WELCOME!
Pre-Paid Legal
Services®, Inc.
and Subsidiaries
damages!


The Companies
GoSmallBiz.com
Kroll
Is it Affordable?
Have You Ever...

Consultant
Legal Consultation
Internet Guidance
Sales & Marketing
Suggestions
Contract Review
Other

THE COMPANY
Founder, Chairman,
and CEO
THE COMPANY
Founded in 1996
Fran Tarkenton
NFL Hall of Fame
THE COMPANY


and contractors.

Rick Fredlund, Utah
THE PRODUCT
What Do We Do?

Business!
THE PRODUCT
Examples:
THE PRODUCT
•Legal Correspondence
– Three Letters each month on behalf of your
business.
•One Letter per subject matter.
•Debt Collection Letters
– 3 Initial Debt Collection Letters per/month
•Contract & Document Review
– 3 Contracts or Documents up to 15 pg.
reviewed per/month
THE PRODUCT
• You’ll receive a 25% discount off your
Provider Law Firm’s standard hourly rate
should your business be charged in a civil
action filed in state or federal district court.

• Litigation Representation and Any Other
Legal work, including pre-existing conditions
are provided at a 25% Discount
THE PRODUCT

THE PRODUCT
Benefits for your
Information for New
SmallBiz Directory
Research the
50,000 Documents
Featured Weekly
for You!

THE PRODUCT

specific topics.

answered by our
consultants for you
to review.
Handy Tools &
Forms
commonly asked
questions you would
content section.
THE PRODUCT

2. Use the Wizard
THE PRODUCT
business!
Internet Presence
THE PRODUCT
Learning Tools


(ADRS)
THE PRODUCT

1) The Member



Living At Home
THE PRODUCT

Legal Theft
Services Shield
Motor 24 hr
Vehicle Legal
Legal Services
Services Trial
Defense Preferred
Services Member
Services
IRS Audit
Legal
Services
THE PRODUCT
Number of Matters
THE PRODUCT
Legal Shield
your rights?
accident?
a warrant?

THE PRODUCT
traffic violations

criminal charges
Negligent Homicide


THE PRODUCT
Trial Defense
criminal charges.

THE PRODUCT

return.


THE PRODUCT

for legal service.
the membership.
THE PRODUCT
what your score is!
made
3. RESTORATION!!
THE PRODUCT

Legal Plan
Restoration
& Business
Small Business
Consultant Services
THE PRODUCT


Business Plan?
The Next Steps….
Lets move forward:



Business Plan Quick Reference Chart!
Plan BOLSP HBBR LPSE
Eligibility For Profit For Profit For Profit
Not Publicly Traded Not Publicly Traded Not Publicly Traded
3 or fewer W2
99 or Fewer W2
Employees 8 or fewer Employees
Employees
Have Exp Family
Home Address &
51-99
1-50 Emp. Business Address
Emp.
Must be the Same
Cost $ 110.95 $ 160.95 $ 50.45 $ 58.95
Compensation
CFT $ 89.87 $ 126.74 $ 45.26 $ 31.34
Associate $ 269.60 $ 380.21 $ 135.77 $ 110.46
Sr. Assoc. $ 359.47 $ 506.95 $ 181.03 $ 159.02
Manager $ 449.34 $ 633.69 $ 226.29 $ 207.59
Director $ 539.21 $ 760.43 $ 271.55 $ 256.16
Exec. Dir. $ 656.04 $ 925.19 $ 330.39 $ 319.31
Counters 4 4 3 2
Family Features
Exp Family Plan Benefits Yes Yes Yes
Legal Shield Yes Yes Yes
Identity Theft Shield Yes Yes Yes
Business Features
Telephone Consultation Yes Yes Yes
Unlimted 3 Letters per Month (1 3 Letters per Month (1
Legal Correspondence (1/subject/year) per subject) per subject)
2 one-half hour per
NO NO
Designated Consultations year
Basic Contract Review 3 per Month
3 Contracts or 3 Contracts or
Executed Contract Review 1 per Month
Documents per Month Documents per Month
Legal Document Review 3 per Month
Included in
10 per Month (1 3 per Month (1
Debt Collection Letters Correspondence
per subject) per subject)
Benefit
Trial Defense 75 Hours (15 pre-trial) 25% Discount 25% Discount
IRS Audit Protection 25% Discount 25% Discount Yes
Reduced Fee Services 25% Discount 25% Discount 25% Discount
Reduced Contingency Fee Services Up to 5% Discount NO NO
Note: Eligibility requirements, cost, and coverage vary from plan to plan and State to State! Please update
and keep current with information from PPL Contracts and on www.pplbizplan.com This chart is for Synergistic Fire
Team Reference ONLY! It is not intended nor is it an exact definition of current coverages, rates, or compensation
plans. This chart is also assuming that all plans are "Bundled" as the Business Plan with the Expanded Family
Plan, Legal Shield, and Identity Theft Shield. These prices are also not available and different terms apply for
different states!
Percentage of Who is Losing Data
Business Education Government Medical
Affected 70.90% 3.11% 23.48% 2.51%
Incidents 34.54% 32.34% 25.59% 7.54%
80
Affected
%
Incidents
Totals Affected by Type
70
%
Affected 126,156,292 5,541,085 41,776,193 4,471,623

Incidents 220 206 163 48
60
%
50
%
40
%
30
%
20
%
10
0%%
Who is Losing Your Information?

Based on Data from 2000-2007 from Privacy Rights Clearing House
Note: This only includes info when actual totals are known – losses are likely much, much higher!
Number of Potential IDT Victims - DataLoss
Business Education Government Medical Yr/SubTotal Yr/Percentage
2000 367,400 4,000 0 0 371,400 0.21%
2001 157,250 0 0 0 157,250 0.09%
2002 4,960 0 0 0 4,960 0.00%
2003 5,723,800 119,200 562,000 0 6,405,000 3.60%
2004 0 573,900 300,000 195,000 1,068,900 0.60%
2005 51,753,899 1,835,573 732,930 1,621,840 55,944,242 31.44%
2006 12,830,089 2,383,001 32,314,004 2,132,666 49,659,760 27.91%
2007 55,318,894 625,411 7,867,259 522,117 64,333,681 36.15%
Total Losses: 126,156,292 5,541,085 41,776,193 4,471,623 177,945,193
Type Percentage: 70.90% 3.11% 23.48% 2.51%
70,000,000
64,333,681
60,000,000 55,944,242
49,659,760
50,000,000
40,000,000
30,000,000
20,000,000
10,000,000 6,405,000
371,400 157,250 4,960 1,068,900
0
2000 2001 2002 2003 2004 2005 2006 2007
Page 1 of 5
BBB Reliability Report
The Better Business Bureau®

Serving Central Oklahoma, Inc.
17 South Dewey
Oklahoma City, OK 73102
405-239-6081
www.oklahomacity.bbb.org

321 East Main
Ada, OK 74820
Telephone: (580) 436-1234
Fax: (580) 436-7409
www.prepaidlegal.com.
The BBB reports on members and non-members. If a company is a member of the BBB, it is
stated in this report.
Original Business Start Date: January 1972

Local Start Date: January 1976
Employees: 618
TOB Classification: Legal Services Plans, Attorneys
BBB Membership: This company is a member.
Additional DBA Names

Prepaid Legal
BBB Membership Status

This company has been a member of this Better Business Bureau since October 1995. This means
it supports the Bureau's services to the public and meets our membership standards.
Program Participation
This company participates in the Membership Identification Program and has agreed to use
special procedures including arbitration, if necessary, to resolve disputes.
Nature Of Business
This company markets legal service plans that include attorney consultation, will preparation,
http://data.oklahomacity.bbb.org/commonreport.html?compid=9000434 5/23/2007
Page 2 of 5
traffic violation defense, automobile-related criminal charges defense, letter writing, document
prepartion and review and a general trial defense. Additionally, the firm offers programs to protect
members from identity theft and other security services.
Customer Experience
Based on BBB files, this company has a satisfactory record with the Bureau. A satisfactory
record means a company has been in business for at least 12 months, and properly addressed
matters referred by the Bureau. The company does not have an unusual volume of complaints, or
any government actions involving its marketplace conduct. The Bureau understands and has no
concerns about the company's products, services and type of business.
The company's services are offered through a system of independent representatives throughout
North America. The firm's home office in Oklahoma maintains customer service obligations for all
service members.
Prospective and existing members should understand that Prepaid Legal Services is not, itself, a
law office and does not furnish legal advice or services, but puts its members in touch with law
offices in the member's locality to service matters according to the limits of its membership
agreement. Those services are furnished by the law office accord to preset fees according to the
member's agreement with Prepaid Legal and Prepaid Legal's agreement with its network of law
offices.
This location is the headquarters location for this company.
When considering complaint information, please take into account the company's size and volume
of transactions, and understand that the nature of complaints and a firm's responses to them are
often more important than the number of complaints.
The Bureau processed a total of 304 complaints about this company in the last 36 months, our
standard reporting period. Of the total of 304 complaints closed in 36 months, 97 were closed in
the last year.
Advertising Issues
Resolved
5 - Company addressed the complaint issues. The consumer failed to acknowledge
acceptance to the BBB.
Administratively Closed
1 - BBB determined the company made a reasonable offer to resolve the issues, but the
consumer did not accept the offer.
Contract Issues
Resolved
4 - Company resolved the complaint issues. The consumer acknowledged acceptance to
the BBB.
Page 3 of 5
Billing or Collection Issues

Resolved
the BBB.
1 - Company offered a partial (less than 100%) settlement which the consumer failed to
acknowledge acceptance to the BBB.
Sales Practice Issues

Resolved
the BBB.
Delivery Issues
Resolved
the BBB.
Service Issues
Resolved
the BBB.
Customer Service Issues

Resolved
the BBB.
Page 4 of 5

Product Issues
Resolved
Refund or Exchange Issues

Resolved
the BBB.
Issue Not Defined

Resolved
the BBB.
Company Management
Additional company management personnel include:
Mr. Harland Stonecipher - Pres./CEO

Mark Brown - Senior VP and Chief Marketing Officer
Additional Addresses, and Telephone Numbers

Additional Addresses
One Prepaid Way
Page 5 of 5
Ada, OK 74820
Additional Phone Numbers

Tel: (800) 654-7757
Report as of May 23, 2007

Copyright© 2007 Better Business Bureau®, Inc.
If you choose to do business with this member company, please let the company know that you
contacted the Better Business Bureau for a report.
BBB reports may not be reproduced for sales or promotional purposes.
The information in this report has either been provided by the company or has been compiled by
the Bureau from other reliable sources.
As a matter of policy, the Better Business Bureau does not endorse any product, service or
company. BBB reports generally cover a three-year reporting period, and are provided solely to
assist you in exercising your own best judgment. Information contained in this report is believed
reliable but not guaranteed as to accuracy. Reports are subject to change at any time.
PPD: Summary for PRE PAID LEGAL SVCS - Yahoo! Finance Page 1 of 2
Yahoo! New
My User? Mail
Yahoo! Sign Up Sign In
More Help
Dow 0.37% Nasdaq 0.41% Wednesday, May 23, 2007, 1:05PM ET - U.S. Markets close in 2 hours and 55 minutes.
Enter Symbol(s) Symbol Lookup Finance Search
Pre-Paid Legal Services Inc. (PPD) At 12:44PM ET: 64.05 0.10 (0.16%)
Streaming Quotes:
PRE PAID LEGAL SVCS (NYSE:PPD)
Last Trade: 64.05 Day's Range: 63.85 - 64.65 New! Try our new Charts in Beta
Trade Time: 12:44PM ET 52wk Range: 32.65 - 64.55
Change: 0.10 (0.16%) Volume: 80,900
Prev Close: 63.95 Avg Vol (3m): 271,155
Open: 63.85 Market Cap: 854.36M
Bid: N/A P/E (ttm): 17.08 1d 5d 3m 6m 1y 2y 5y max
Ask: N/A EPS (ttm): 3.75
Market Updates Hourly from Fox
1y Target Est: N/A Div & Yield: N/A (N/A) Business Now. Watch.
NEW Add Quotes to Your Web Site Add PPD to Portfolio Set Alert Download Data
Quotes delayed, except where indicated otherwise. For consolidated real-time quotes (including real-time pre/post market
data), sign up for a free trial of Real-time Quotes.
HEADLINES Change Display [ hide $$ edit ] ADVERTISEMENT
•7 Surprising 1-Star Stocks

at Motley Fool (Thu, May 17)
•Pre-Paid Legal Services, Inc. Announces
Board Members
PR Newswire (Wed, May 16)
•PRE PAID LEGAL SERVICES INC Files SEC
form 8-K, Results of Operations and Financial Yes No
Condition, Financial Statements a
EDGAR Online (Fri, Apr 27) Yes No
•PRE PAID LEGAL SERVICES INC Financials
EDGAR Online Financials (Thu, Apr 26)
•Pre-Paid 1st-Quarter Net Income Rises Yes No
AP (Mon, Apr 23)
•Pre-Paid Legal Announces Record Net Income
& Record EPS - - - Net Income Up 13%; EPS
Get Quotes!
Up 29% & Cash Flow Up 12%
PR Newswire (Mon, Apr 23)
•Q1 2007 PrePaid Legal Earnings Release -
KEY STATISTICS
After Market Close
CCBN (Mon, Apr 23) Forward P/E (1 yr): N/A
•Pre-Paid Extends Pact With Kroll Unit P/S (ttm): 1.91
AP (Tue, Apr 10)
•Pre-Paid Legal Services Announces Extension Dividend Date: 13-Jan-06
of Kroll Relationship Ex-Dividend Date: 28-Dec-05
PR Newswire (Tue, Apr 10)
•Buy the Right Puppies More Key Statistics...
at Motley Fool (Mon, Apr 9)
More Headlines for PPD...
Add PPD News to My Yahoo!:
http://finance.yahoo.com/q?s=PPD 5/23/2007
PPD: Summary for PRE PAID LEGAL SVCS - Yahoo! Finance Page 2 of 2
FINANCIAL BLOGS
•Pre-Paid Legal Services Enjoys A Great

Business Model, Few Competitors
SeekingAlpha (Fri, May 18)
•7 Shortselling Multilevel Marketing Stocks
SeekingAlpha (Mon, May 7)
More Financial Blogs for PPD...
Add PPD Blogs to My Yahoo!:
ANALYST
REPORTS Annual EPS Est () : N/A

PPD: Risk/Reward Rating: Full Report: Cash Quarterly EPS Est () : N/A
Truth Behind the Reported Earnings Mean Recommendation*: N/A
May 23 - New Constructs, LLC
PEG Ratio (5 yr expected): N/A
"STOCK MARKET WATCH 3-day Forecast
from Tuesday May 22, 2007 OF MAIN AND * (Strong Buy) 1.0 - 5.0 (Strong Sell)
SECTOR... Analyst Opinion - Estimates
May 21 - Pechala's Reports
PRE PAID LEGAL SERVICES INC (PPD=US) BUSINESS SUMMARY
12-months forecast Pre-Paid Legal Services, Inc. designs,
May 21 - Pechala's Reports
underwrites, and markets legal expense plans
More Reports for PPD... in the United States and Canada. The
company sells memberships, which allow
members to access legal services through a
network of independent law firms. more
Company Profile - Industry
Add to Portfolio Set Alert Email to a Friend
Get Summary for Another Symbol: GO Symbol Lookup
• Market Overview • US Indices
Quotes delayed for PPD. Get streaming real-time quotes - FREE trial.
Copyright © 2007 Yahoo! All rights reserved. Terms of Service - Copyright/IP Policy
To learn more about Yahoo!'s use of personal information, please read the Privacy Policy.
Quotes delayed, except where indicated otherwise.

Delay times are 15 mins for NASDAQ, 20 mins for NYSE and Amex. See also delay times for other exchanges.
Fundamental company data provided by Capital IQ. Quotes and other information supplied by independent providers identified on the Yahoo!
Finance partner page. Quotes are updated automatically, but will be turned off after 25 minutes of inactivity. Quotes are delayed at least 15
minutes. Real-Time continuous streaming quotes are available through our premium service. You may turn streaming quotes on or off. Financials
data provided by Edgar Online.Dividend data provided by Hemscott Americas.Historical chart data and daily updates provided by Commodity
Systems, Inc. (CSI). International historical chart data and daily updates provided by Hemscott Americas. Fund summary, fund performance and
Morningstar Index data provided by Morningstar. Analyst estimates data provided by Thomson Financial Network. All data povided by Thomson
Financial Network is based solely upon research information provided by third party analysts. Yahoo! has not reviewed, and in no way endorses
the validity of such data. Yahoo! and ThomsonFN shall not be liable for any actions taken in reliance thereon. All information provided "as is" for
informational purposes only, not intended for trading purposes or advice. Neither Yahoo! nor any of independent providers is liable for any
informational errors, incompleteness, or delays, or for any actions taken in reliance on information contained herein. By accessing the Yahoo! site,
you agree not to redistribute the information found therein.
http://finance.yahoo.com/q?s=PPD 5/23/2007

Complete SB Flip

Uploaded by

Document Information

Original Description:

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Complete SB Flip

Uploaded by

Copyright:

Available Formats

Pre-Paid Legal

CO rolls back “loser

 How will it Help Protect & Grow My Business?

Have You Ever...

Which of these benefits would you have used if you

 Began With A Serious Auto Accident

 Public Company Since 1976

 Focus on Integrity, & Customer Service

They have been involved in many notable cases:

♦ Conducts security clearance background investigations on

Pre-Paid Legal Has Been Featured in

Simply put, a Pre-Paid Legal

IRS Audit Legal Services for Schedule C

Reduced Fee Services

Consultants are current or previous business owners with at least 7 years

(GoSmallBiz – Home Page)

Helpful Links and Articles – Detailed

Weekly Tip of Answers – Selection

1. Choose your document

Small Business Directory

Risk Assessment & Reduction

We also Protect Your Family

4) Dependent Children Under Age 18

5) Full Time College Students Up To Age 23

6) Physically Or Mentally Challenged Child

Preventive 25% Identity

Contact your Lawyer 24/7/365!

¾Representation for motor vehicle

Up to 2.5 hours for help with:

These services are available just 15 days after enrollment!!

Your membership becomes more

Up to 50 hours of Provider Law Firm services

Coverage for this service begins with the tax

Contact your Provider Law Firm Immediately!

DISCOUNT Savings 25%

Life Events Monitoring &

For as little as $58.95 per

• What do you like best about your Small

Lets move forward:

• Get your Free Customized Compliancy Report for your Business

• Set up your Free Affirmative Defense Response Services (ADRS)

CO rolls back “loser

 How will it Help Protect & Grow My Business?

Have You Ever...

Which of these benefits would you have used if you

 Began With A Serious Auto Accident

 Public Company Since 1976

 Focus on Integrity, & Customer Service

They have been involved in many notable cases:

♦ Conducts security clearance background investigations on

Pre-Paid Legal Has Been Featured in

Simply put, a Pre-Paid Legal

• You have up to 75 hours of your

• 15 hours of Pre-Trial and 60 hours of

• Litigation Representation and Other

• 5% Discount on the Law Firm’s

Consultants are current or previous business owners with at least 7 years

(GoSmallBiz – Home Page)

Helpful Links and Articles – Detailed

Weekly Tip of Answers – Selection

1. Choose your document

Small Business Directory

Risk Assessment & Reduction

How will it Help Protect & Grow My Business?

Began With A Serious Auto Accident

Public Company Since 1976

Focus on Integrity, & Customer Service

How will it Help Protect & Grow My Business?

Began With A Serious Auto Accident

Public Company Since 1976

Focus on Integrity, & Customer Service

How will it Help Protect & Grow My Business?

Began With A Serious Auto Accident

Public Company Since 1976

Focus on Integrity, & Customer Service