We give members access to professional legal counsel not only for traditional legal problems, but for everyday events where legal review should be routine, but rarely is. For Pre-Paid Legal members, access to legal counsel is only a toll-free phone call away

1. Pre-Paid Legal Services ® , Inc. and Subsidiaries

3. Pre-Paid Legal Has Been Featured in Many Major Publications THE COMPANY

4. THE NEED/MARKETPLACE You Are More Than Twice As Likely To Be In Court Than You Are To Be Hospitalized! 100 M 75 M 50 M 25 M 0 36 Million 93 Million Hospitalizations in 2002* Court Filings in 2002** * Hospital Statistics, American Hospital Association, 2002 Edition ** Examining the Work of State Courts, 2002

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

8. THE PRODUCT Who Is Covered By The Pre-Paid Legal Membership? 1) The Member 2) The Member’s Spouse 3) Never Married Dependent Children Under 21 Living At Home 4) Dependent Children Under Age 18 For Whom The Member Is Legal Guardian 5) Full Time College Students Up To Age 23 Never Married, Dependent Children 6) Physically Or Mentally Challenged Child Living At Home

9. THE PRODUCT Preventive Legal Services Motor Vehicle Legal Services Trial Defense Services IRS Audit Legal Services Other Legal Services Five Areas of Coverage - Expanded Family Plan 25%

12. THE PRODUCT UNDER TITLE III: Trial Defense Services cover the member and spouse for covered civil actions or for criminal actions which arise out of the performance of the covered person’s employment responsibilities. Not covered are dissolution of marriage, separation, annulment, child custody or other divorce-related matters, bankruptcy, charges of DUI/DWI, or drug-related matters. Acts or matters occurring prior to the membership that give rise to a lawsuit even though the lawsuit may be filled after enrollment are excluded as pre-existing conditions. You may use your 25% discount and the unlimited toll-free consultation benefit for any of these exclusions. In New York, these benefits are provided at a reduced fee. Check benefit availability in your state/province. III. Trial Defense If you or your spouse face a civil suit or job-related criminal charges, your Provider Law Firm will provide up to 75 hours of service - at no added cost - to defend you. Additional pre-trial and trial services are available at a 25% discount from the Firm’s standard hourly rate. The longer you keep your membership in force, the more valuable it becomes! 1st year - 75 hours (17.5 pretrial hours/57.5 trial hours) 2nd year - 140 hours (23 hours pretrial/117 trial hours) 3rd year - 205 hours (28.5 pretrial hours/176.5 trail hours) 4th year - 270 hours (34 pretrial hours/236 trial hours) 5th year - 335 hours (39.5 pretrial hours/295.5 trial hours)

13. THE PRODUCT UNDER TITLE IV: This portion of the plan does not cover audits of Schedule C only, charges of tax fraud or evasion, corporate, trust, or business returns. In New York, these benefits are provided at a reduced fee. Check benefit availability in your state/province. IV. Federal Tax Audit Legal Services Up to 50 hours of Provider Law Firm services once you receive written notice from the IRS that you are being audited or if you are requested to appear at the IRS office regarding your tax return. Coverage for this service begins with the tax return due April 15th of the year you enroll.

14. THE PRODUCT UNDER TITLE V: 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. V. Other Legal Work Your Provider Law Firm will render assistance at a preferred rate which is 25% less the normal hourly rate for legal services not otherwise covered by the membership. Even pre-existing matters can be covered under this portion of the plan! If you own a business and wish representation for the entity, you will receive a preferred rate of 25% less the Provider Law Firm’s corporate hourly rate*. Five business days advance notice is required for preparation in court representation. *Hourly rates for Referral Lawyers and court appearances may vary.

15. THE PRODUCT The Legal Shield service will not apply if the member is alleged to be under the influence of or impaired by alcohol, intoxicants, controlled substances, chemicals or medicines, whether prescribed or not; the member is alleged to be involved with domestic violence or stalking; and/or the member is being detained for outstanding warrants. Check benefit availability in your state. Legal Shield The Legal Shield gives you and your family 24-hour access to legal consultation if you are detained, for only $1 a month - as an additional benefit to your Family Plan membership. To contact your Provider Law Firm, simply call the toll-free number on your Legal Shield card. You will reach the Pre-Paid Legal offices, who will then put you in contact with your Provider Law Firm, so you can consult with an attorney about your detainment. It’s that easy.

16. THE PRODUCT What Do You Think This Would Cost Well, with a Pre-Paid Legal membership you receive all of this for only $26.95 a month or less ! Isn't your family worth it? That's less than the price of a cup of coffee a day!

20. Credit Report THE PRODUCT Continuous Credit Monitoring Your credit files will be regularly monitored. Suspicious activity will be brought to your attention, providing you with early detection. You’ll receive prompt notice if any new accounts are opened in your name... or if derogatory notations are added to your credit report… You’ll receive an up-to-date credit report through Experian at no additional charge with your membership. You will also receive a personal credit score calculated by an independent scoring service and a detailed analysis of that score.

23. PRE-PAID LEGAL Success Stories

24. PRE-PAID LEGAL This Presentation is copyrighted material and may not be altered in any form under any circumstances. Alteration of this material in any way is a violation of the company’s policies and procedures and may result in immediate termination of your PPLSI Associate Agreement. Marketed by Pre-Paid Legal Services ® , Inc . or applicable subsidiary: In Tennessee: Pre-Paid Legal Services of Tennessee, Inc. In Florida: Pre-Paid Legal Services, Inc., of Florida In Mississippi: National Pre-Paid Legal Services of Mississippi, Inc. In Virginia: Legal Service Plans of Virginia, Inc. In Ohio: Ohio Access to Justice, Inc., administered by Pre-Paid Legal Services ® , Inc. ©1999 Pre-Paid Legal Services, Inc. 02.04