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 Legal Correspondence Legal Consultation Internet Guidance Debt Collection Sales & Marketing Suggestions Tax Information Contract Review Trial Defense Services Small Claims Assistance Other
Plan Cost: Market Cost:

Have Used

Needed

Approx. Cost

Lawyer / Consultant Fee/Hour:

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 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.

MMC

What Others are Saying…..
Pre-Paid Legal Has Been Featured in Many Major Publications

What Others are Saying…..
“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 legal events and/or Identity Theft issues just like medical insurance does for doctor and hospital bills, while helping you to Grow your Business!

You

THE PRODUCT
Legal Consultation Services
Toll-Free Telephone Consultations with your Provider Lawyer on an Unlimited Number of Business Issues. Examples:
•Employee hiring •Equipment leases •Joint ventures •Bankruptcy •Verbal contracts •Incorporation •Intellectual property •Small claims •Partnership •Partnership •Landlord/tenant issues •Hiring/termination •City zoning •Vendor problems •Bad check recovery •Customer complaints •Workers' Compensation •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. – Follow-Up Letters Provided at 25% Discount – 3 Contracts or Documents up to 15 pg. reviewed per/month
•One Letter per subject matter.

• Contract & Document Review

IRS Audit Legal Services for Schedule C
• Professional Services Including • Coverage includes the return due on April 15th of the first membership year
(see family benefits)

– 50 hours – 3.5 pre-trial

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
Trial Defense Services
• 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 • Marketing Strategies • Legal Documents • Website Traffic • Time Management • 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!
Information for New Business Owners Submit Questions to your Consultants Benefits for your business such as a 4-page website! Network with the SmallBiz Directory

Research the information you need in our content channels. - Over 50,000 Documents

Tools to Help you Run and Grow Your Business

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 Resources

Articles – Detailed information on specific topics.

Weekly Tip of Interest

Answers – Selection of questions answered by our consultants for you to review. FAQ’s – Answers to commonly asked questions you would expect to find in each content section.

Handy Tools & Forms

(Tax & Accounting – Home Page)

THE PRODUCT
Customize Legal Documents!

1. 2. 3. 4.

Choose your document Use the Wizard Edit in your Word Processor 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 Legal Services Motor Vehicle Legal Services

25%
24 hr Legal Services Preferred Member Services IRS Audit Legal Services

Identity Theft Shield

Trial Defense 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
Representation for moving traffic violations Representation 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

25%

DISCOUNT Savings 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 Legal Plan For Family & Business

You

Monitoring & Restoration Services

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

“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 Legal Correspondence Legal Consultation Internet Guidance Debt Collection Sales & Marketing Suggestions Tax Information Contract Review Trial Defense Services Small Claims Assistance Other
Plan Cost: Market Cost:

Have Used

Needed

Approx. Cost

Lawyer / Consultant Fee/Hour:

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 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.

MMC

What Others are Saying…..
Pre-Paid Legal Has Been Featured in Many Major Publications

What Others are Saying…..
“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 legal events and/or Identity Theft issues just like medical insurance does for doctor and hospital bills, while helping you to Grow your Business!

You

THE PRODUCT
Legal Consultation Services
Toll-Free Telephone Consultations with your Provider Lawyer on an Unlimited Number of Business Issues. Examples:
•Employee hiring •Equipment leases •Joint ventures •Bankruptcy •Verbal contracts •Incorporation •Intellectual property •Small claims •Partnership •Partnership •Landlord/tenant issues •Hiring/termination •City zoning •Vendor problems •Bad check recovery •Customer complaints •Workers' Compensation •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
Designated Consultations
Two Half-Hour Telephone Consultations per Year on Complex Issues Arranged by Your Law Firm Examples:
•Securities •Patents •Copyrights •Anti-Trust •Complex Tax Issues •Import/Export Customs Matters •Commodities •Trademarks •Admiralty •International Law •Immigration •Issues Outside Your State

THE PRODUCT
Correspondence & Documents
•Legal Correspondence
– One Letter per subject matter each year – Follow-Up Letters Provided at 25% Discount – 10 Initial Debt Collection Letters per/month – Follow-Up Letters Provided at 25% Discount – 3 Contracts up to 15 pg. reviewed per/month – One Signed Contract up to 10 pg. reviewed per month – 3 business documents up to 15 pg. reviewed per month

•Debt Collection Letters •Contract Review

•Executed Contract Review •Document Review

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
Trial Defense Services
• 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

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
Reduced Fee Services

• 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
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 • Marketing Strategies • Legal Documents • Website Traffic • Time Management • 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!
Information for New Business Owners Submit Questions to your Consultants Benefits for your business such as a 4-page website! Network with the SmallBiz Directory

Research the information you need in our content channels. - Over 50,000 Documents

Tools to Help you Run and Grow Your Business

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 Resources

Articles – Detailed information on specific topics.

Weekly Tip of Interest

Answers – Selection of questions answered by our consultants for you to review. FAQ’s – Answers to commonly asked questions you would expect to find in each content section.

Handy Tools & Forms

(Tax & Accounting – Home Page)

THE PRODUCT
Customize Legal Documents!

1. 2. 3. 4.

Choose your document Use the Wizard Edit in your Word Processor 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 Legal Services Motor Vehicle Legal Services

25%
24 hr Legal Services Preferred Member Services IRS Audit Legal Services

Identity Theft Shield

Trial Defense 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
Representation for moving traffic violations Representation 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

25%

DISCOUNT Savings 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 Legal Plan For Family & Business

You

Monitoring & Restoration Services

Small Business Consultant Services

THE PRODUCT
Is the ability to Protect & Grow your business, while protecting your family worth $3.70 a day?

For as little as $110.95 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

“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 Legal Correspondence Legal Consultation Internet Guidance Debt Collection Sales & Marketing Suggestions Tax Information Contract Review Trial Defense Services Small Claims Assistance Other
Plan Cost: Market Cost:

Have Used

Needed

Approx. Cost

Lawyer / Consultant Fee/Hour:

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 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.

MMC

What Others are Saying…..
Pre-Paid Legal Has Been Featured in Many Major Publications

What Others are Saying…..
“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 legal events and/or Identity Theft issues just like medical insurance does for doctor and hospital bills, while helping you to Grow your Business!

You

THE PRODUCT
Legal Consultation Services
Toll-Free Telephone Consultations with your Provider Lawyer on an Unlimited Number of Business Issues. Examples:
•Employee hiring •Equipment leases •Joint ventures •Bankruptcy •Verbal contracts •Incorporation •Intellectual property •Small claims •Partnership •Partnership •Landlord/tenant issues •Hiring/termination •City zoning •Vendor problems •Bad check recovery •Customer complaints •Workers' Compensation •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. – Follow-Up Letters Provided at 25% Discount – 3 Initial Debt Collection Letters per/month – Follow-Up Letters Provided at 25% Discount – 3 Contracts or Documents up to 15 pg. reviewed per/month
•One Letter per subject matter.

•Debt Collection Letters

•Contract & Document Review

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
Trial Defense Services
• 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 • Marketing Strategies • Legal Documents • Website Traffic • Time Management • 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!
Information for New Business Owners Submit Questions to your Consultants Benefits for your business such as a 4-page website! Network with the SmallBiz Directory

Research the information you need in our content channels. - Over 50,000 Documents

Tools to Help you Run and Grow Your Business

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 Resources

Articles – Detailed information on specific topics.

Weekly Tip of Interest

Answers – Selection of questions answered by our consultants for you to review. FAQ’s – Answers to commonly asked questions you would expect to find in each content section.

Handy Tools & Forms

(Tax & Accounting – Home Page)

THE PRODUCT
Customize Legal Documents!

1. 2. 3. 4.

Choose your document Use the Wizard Edit in your Word Processor 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 Legal Services Motor Vehicle Legal Services

25%
24 hr Legal Services Preferred Member Services IRS Audit Legal Services

Identity Theft Shield

Trial Defense 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
Representation for moving traffic violations Representation 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

25%

DISCOUNT Savings 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 Legal Plan For Family & Business

You

Monitoring & Restoration Services

Small Business Consultant Services

THE PRODUCT
Is the ability to Protect & Grow your business, while protecting your family worth $1.68 a day?

For as little as $50.45 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)

Business Plan Quick Reference Chart!
Plan Eligibility BOLSP For Profit Not Publicly Traded 99 or Fewer W2 Employees 1-50 Emp. Cost Compensation CFT Associate Sr. Assoc. Manager Director Exec. Dir. Counters $ 110.95 $ $ $ $ $ $ 89.87 269.60 359.47 449.34 539.21 656.04 4 51-99 Emp. $ 160.95 $ $ $ $ $ $ 126.74 380.21 506.95 633.69 760.43 925.19 4 HBBR LPSE For Profit For Profit Not Publicly Traded Not Publicly Traded 3 or fewer W2 8 or fewer Employees Employees Have Exp Family Home Address & Business Address Must be the Same $ 50.45 $ 58.95 $ $ $ $ $ $ 3 45.26 135.77 181.03 226.29 271.55 330.39 $ $ $ $ $ $ 2 31.34 110.46 159.02 207.59 256.16 319.31

Exp Family Plan Benefits Legal Shield Identity Theft Shield Telephone Consultation Legal Correspondence Designated Consultations Basic Contract Review Executed Contract Review Legal Document Review Debt Collection Letters Trial Defense IRS Audit Protection Reduced Fee Services Reduced Contingency Fee Services

Family Features Yes Yes Yes Yes Yes Yes Yes Yes Yes Business Features Yes Yes Yes Unlimted 3 Letters per Month (1 3 Letters per Month (1 (1/subject/year) per subject) per subject) 2 one-half hour per NO NO year 3 per Month 3 Contracts or 3 Contracts or 1 per Month Documents per Month Documents per Month 3 per Month Included in 10 per Month (1 3 per Month (1 Correspondence per subject) per subject) Benefit 75 Hours (15 pre-trial) 25% Discount 25% Discount 25% Discount 25% Discount Yes 25% Discount 25% Discount 25% Discount 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
Affected Incidents
% 80 % 70 % 60 % 50 % 40 % 30 % 20 % 10 0%

Business 70.90% 34.54%

Education Government 3.11% 23.48% 32.34% 25.59%

Medical 2.51% 7.54%

Affected Incidents

Totals Affected by Type
Affected Incidents Business 126,156,292 220 Education Government 5,541,085 41,776,193 206 163 Medical 4,471,623 48

Business

Education

Government

Medical

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
2000 2001 2002 Business Education Government 367,400 4,000 0 157,250 0 0 4,960 0 0 119,200 573,900 1,835,573 2,383,001 625,411 5,541,085 3.11% Medical Yr/SubTotal Yr/Percentage 0 371,400 0.21% 0 157,250 0.09% 0 4,960 0.00% 3.60% 0.60% 31.44% 27.91% 36.15%

5,723,800 2003 0 2004 2005 51,753,899 2006 12,830,089 2007 55,318,894 Total Losses: 126,156,292 Type Percentage: 70.90%

562,000 0 6,405,000 300,000 195,000 1,068,900 732,930 1,621,840 55,944,242 32,314,004 2,132,666 49,659,760 7,867,259 522,117 64,333,681 41,776,193 4,471,623 177,945,193 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

Pre-Paid Legal Services, Inc.
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. 10 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB. Administratively Closed 6 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer.

http://data.oklahomacity.bbb.org/commonreport.html?compid=9000434

5/23/2007

Page 3 of 5

Billing or Collection Issues Resolved 6 - Company resolved the complaint issues. The consumer acknowledged acceptance to the BBB. 46 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB. 1 - Company offered a partial (less than 100%) settlement which the consumer failed to acknowledge acceptance to the BBB. Administratively Closed 31 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer. Sales Practice Issues Resolved 2 - Company resolved the complaint issues. The consumer acknowledged acceptance to the BBB. 20 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB. Administratively Closed 16 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer. Delivery Issues Resolved 1 - Company resolved the complaint issues. The consumer acknowledged acceptance to the BBB. 1 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB. Administratively Closed 2 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer. Service Issues Resolved 3 - Company resolved the complaint issues. The consumer acknowledged acceptance to the BBB. 7 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB. Administratively Closed 4 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer. Customer Service Issues Resolved 3 - Company resolved the complaint issues. The consumer acknowledged acceptance to the BBB.

http://data.oklahomacity.bbb.org/commonreport.html?compid=9000434

5/23/2007

Page 4 of 5

22 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB. Administratively Closed 24 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer. Product Issues Resolved 3 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB. Administratively Closed 3 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer. Refund or Exchange Issues Resolved 10 - Company resolved the complaint issues. The consumer acknowledged acceptance to the BBB. 35 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB. Administratively Closed 31 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer. Issue Not Defined Resolved 1 - Company resolved the complaint issues. The consumer acknowledged acceptance to the BBB. 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.

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

http://data.oklahomacity.bbb.org/commonreport.html?compid=9000434

5/23/2007

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.

http://data.oklahomacity.bbb.org/commonreport.html?compid=9000434

5/23/2007

PPD: Summary for PRE PAID LEGAL SVCS - Yahoo! Finance

Page 1 of 2

Yahoo!

My Yahoo! Mail Up Sign In New User? Sign 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: Trade Time: Change: Prev Close: Open: Bid: Ask:

64.05
12:44PM ET 0.10 (0.16%) 63.95 63.85 N/A N/A

Day's Range: 52wk Range: Volume: Market Cap: P/E (ttm): EPS (ttm): Div & Yield:

63.85 - 64.65 32.65 - 64.55 80,900 854.36M 17.08 3.75 N/A (N/A)

New! Try our new Charts in Beta

Avg Vol (3m): 271,155

1d 5d 3m 6m 1y 2y 5y max Market Updates Hourly from Fox Business Now. Watch. Set Alert Download Data

1y Target Est: N/A NEW Add Quotes to Your Web Site

Add PPD to Portfolio

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 Condition, Financial Statements a
EDGAR Online (Fri, Apr 27)

Yes Yes Yes

No No No

•PRE PAID LEGAL SERVICES INC Financials
EDGAR Online Financials (Thu, Apr 26)

•Pre-Paid 1st-Quarter Net Income Rises
AP (Mon, Apr 23)

•Pre-Paid Legal Announces Record Net Income & Record EPS - - - Net Income Up 13%; EPS Up 29% & Cash Flow Up 12%
PR Newswire (Mon, Apr 23)

Get Quotes!
KEY STATISTICS

•Q1 2007 PrePaid Legal Earnings Release After Market Close
CCBN (Mon, Apr 23)

Forward P/E (1 yr): P/S (ttm): Dividend Date: Ex-Dividend Date:

N/A 1.91 13-Jan-06 28-Dec-05

•Pre-Paid Extends Pact With Kroll Unit
AP (Tue, Apr 10)

•Pre-Paid Legal Services Announces Extension of Kroll Relationship
PR Newswire (Tue, Apr 10)

•Buy the Right Puppies
at Motley Fool (Mon, Apr 9)

More Key Statistics...

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 () : Quarterly EPS Est () : Mean Recommendation*: PEG Ratio (5 yr expected):

N/A N/A N/A N/A

PPD: Risk/Reward Rating: Full Report: Cash Truth Behind the Reported Earnings
May 23 - New Constructs, LLC

"STOCK MARKET WATCH 3-day Forecast from Tuesday May 22, 2007 OF MAIN AND SECTOR...
May 21 - Pechala's Reports

* (Strong Buy) 1.0 - 5.0 (Strong Sell)

Analyst Opinion - Estimates
BUSINESS SUMMARY

PRE PAID LEGAL SERVICES INC (PPD=US) 12-months forecast
May 21 - Pechala's Reports

More Reports for PPD...

Pre-Paid Legal Services, Inc. designs, underwrites, and markets legal expense plans 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
GO Symbol Lookup

Get Summary for Another Symbol:

• 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

Sign up to vote on this title
UsefulNot useful