Two Powerhouse Services Sweeping North America

• Pre-Paid Legal has revolutionized the legal services industry with the un- rivalled Provider Law Firm system, giving its members equal access to the legal help they want when they need it.

• Now, Pre-Paid Legal has teamed with Kroll, Inc., the world’s leading independent risk consulting company to bring you the new Identity Theft Shield, to help reduce your risk of being victimized and to help victims clean up their crisis and restore their identity. Now there’s an opportunity for you to help us launch this new service throughout the United States.

• Never before has so much news media coverage primed the market for a product/service on a daily basis.

• Incredible advanced commissions and residual income on memberships sold . . . paid daily.

Pre-Paid Legal

• The leader in legal services

• 31-year old company

• Listed on the NYSE, symbol PPD

• Headquartered in Ada, Oklahoma

• More than 1.4 million members

• Featured in:

- Money           - Forbes

- Fortune         - USA Today

. . . and many more

Kroll, Inc.

• The leader in identity theft protection

• 30-year old company

• Listed on the Nasdaq, symbol KROL

• Headquartered in New York

• Provides a broad range of investigative, intelligence, financial, security, and technol- ogy services to help clients reduce risks, solve problems, and capitalize on opportu- nities.

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IDENTITY THEFT SHIELD        $12.95/Month ($9.95/Month if a PPL Member)

What if it happened to you?

Would you even know where to start?

‰    Call your bank and/or credit card company

‰    Contact the three major credit repositories

‰    Go through the helpful but extensive steps recommended by the Federal Trade Commission in its 30-page consumer support publication

‰    Fill out and submit the affidavit form supplied by the FTC to dispute new, unauthorized accounts

‰    Spend on average $1,500 in out-of-pocket expenses and an average of 175 hours in your efforts to resolve the many problems caused by identity thieves

Or with the Identity Theft Shield:

‰    Get REGULAR MONITORING of your credit report and let the proven leaders in the identity restoration and legal services fields assist you

For only $12.95* per month!

*Purchase the ID Theft Shield with a Pre-Paid Legal Family Plan and your cost is only $9.95 per month!

Credit Reports

You’ll receive an up-to-date credit report at no additional charge with your membership!

Experts recommend that you review your credit report regularly. The Identity Theft Shield makes it easy.

A detailed analysis of your Personal Credit Score will be included with your first credit report. You can use this analysis to evaluate your current credit standing. 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.

A professional thief can assume your identity in just a few hours, but it can take years for you to restore your credit standing.

Identity  Restoration

If your identity is stolen, get more than just information about how to restore your name and credit rating. As an Identity Theft Shield member you can rest easy knowing experienced professionals are working for you!

You’ll have a toll-free number to report any potential discrepancy in your credit report. If the discrepancy is identity theft, a Fraud Restoration package will be rushed to

‰    Do you hand your credit card to servers at restaurants?

‰    Do you sign your credit cards?

‰    Do you supply personal information over the internet?

‰    Do you keep your Social Security number in your wallet or purse?

‰    Do you leave mail at your home or business for the postal carrier to collect?

‰    Do you shred unwanted mail with personal information?

“People whose identities have been sto- len can spend months or years and thousands of dollars cleaning up the mess the thieves have made of their good name and credit record.”

-Federal Trade Commission: When Bad Things Happen to Your

Good Name, September 2002

you and our investigators will assist you every step of the way.

Restoration

Reimbursement

Receive up to $25,000 reimbursement for many of the expenses you may face while working to clear your name:

•Legal defense fees and expenses

•Lost wages for time spent away from work

•Notarization and postage costs for affidavits or similar documents

•Application re-filing costs for loans that may have

^{been denied as a result of your identity theft}The average identity theft victim spends more than $1,500 in the quest to clear his or her name—and that doesn’t include attorney fees, which could add thousands more in expenses.

Additional Information and Exclusions

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 services will not be provided for a preexisting, known stolen identity event.  You must be an active member to receive restoration services. Plan benefits do not cover financial losses arising from the identity theft. Restoration Reimbursement: Insurance benefits and services provided by member companies of American International Group, Inc.

(AIG). The description is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions. Coverage available only if the stolen identity event occurs while you are an Identity Theft Shield member and is reported to us within six months.

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COMPENSATION PLAN

IDENTITY THEFT SHIELD

$12.95 Identity Theft Shield

Commission Level

Personal Sales Advances

Bonus Override Advance

Executive Director         $90.90        $16.20

Director

3 Manager Legs or 250 sales                              _{$74.70        $12.45}

Manager

3 Legs with Senior Associate  or Above and attend a FSTS Training Class or 100 sales

$62.25        $12.45

Senior Associate

^{5 Sales}                                                $49.80        $12.45

Associate                 $37.35

$12.95 sale = $37 to $90

In MANY marketing opportunities, $13 in sales volume would pay you approximately $2 to $4. HERE, that $13 membership pays you advanced commissions from $37 to

$90! Where do you feel your time would be best spent?

EXAMPLE - Your recruit makes a sale. You are now a Senior Associate and they are Associate. Your override on the $12.95 membership is $12.45!

EXAMPLE - You are a Director. Your recruit who is a Senior Associate makes a sale. Your override on the

$12.95 is $24.90!

EXAMPLE - You are an Executive Director. Your new Associate makes a sale. Your override on the $12.95 is

$53.55!

All Examples and Calculations in this information assume that the Associate has no pending chargebacks and the Associate is eligible for advance commissions. Advance Commissions create a debit balance for the Associate and are earned as membership payments are received by the Corporate Office.

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PRE-PAID LEGAL MEMBERSHIP                  $26/Month

Title I - Preventive Legal Services

•    Telephone consultations for personal or business questions

•    Letter/phone call plus 2 business letters or calls per year

•    Legal document review (up to 10 pages) plus 1 business document per year

•    Will preparation and updatesTrust preparationavailable at a 25% discount

Title II - Motor Vehicle Legal Services

•    Assistance with  moving traffic violations

•    Assistance with certain motor vehicle relatedcriminal charges

Up to 2.5 hours for help with:

•    Driver’s license assistance

•    Personal injury/Property damagecollection assistance of $2000 or less

Title III - Trial Defense Services

Your Provider Law Firm will assist in the defense of civil suits and job-related criminal charges. Up to

75 hours of assistance the first mem-bership year, which includes 57.5 hours of trial time and 17.5

hours of pretrial time.

Scheduled benefits increase to a maximum of:

•     2nd year – 140 total hours (117 hours of trial time + 23 hours of pretrial time)

•     3rd year – 205 total hours (176.5 hours of trial time +  28.5 hours of pretrial time)

•     4th year – 270 total hours (236 hours of trial time +   34 hours of pretrial time)

•     5th year – 335 total hours (295.5 hours of trial time +  39.5 hours of pretrial time)

Title IV - IRS Audit Legal Services

Scheduled benefits up to 50 hours of professional services from your Provider Law Firm, including 3.5 hours of pretrial time.

Coverage includes the return due on April 15th of the first membership year.

Title V - Preferred Member Discount

Any other legal services not otherwise covered by the membership are available at a 25%

discount from the Provider Law Firm’s standard or corporate hourly rate.

Your Provider Law Firm must have five days notice prior to court representation. Of course, consultation is available immediately.

The Legal Shield

If you are detained or arrested, all you have to do is call the 24-hour, toll-free Legal Shield number. You will contact Pre-Paid Legal Services^®, Inc., who will then put you in contact with your Provider Law Firm so you can consult with a lawyer about your detainment.

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PRE-PAID LEGAL MEMBERSHIP                          $26/Month

Additional Information:

Because of regulatory requirements, benefits and rates vary in certain states. The information contained on this material is for illustrative purposes only and is not a contract. It is intended to provide a general overview of plan coverage; only a plan contract can give actual terms, coverage, amounts, conditions and exclusions.

Telephone Consultation: If the matter cannot be adequately addressed during the telephone consultation, the Provider Law Firm will provide up to one (1) hour of legal research concerning the matter at no additional charge. Nevada residents limited to

50 hours of telephone consultation per year.

Letters and Phone Calls: A letter or phone call per subject matter is available if advisable in your Provider Law Firm’s sole discretion.

Legal Document Review: Nevada residents limited to 5 personal legal documents reviewed per year.

Will Preparation: Trust preparation is available at a 25% discount. A standard Will with yearly updates provided for the primary member at no additional cost. Covered family members can also have their Will prepared for $20 each, with yearly updates for only $20.

Motor Vehicle Legal Services: These services are available 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. Any fines and court costs are the member’s expense. Preexisting 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. Driver’s license and personal injury assistance are limited to two and one-half (2-1/2) hours of lawyer time per claim and do not include the filing of a lawsuit and exclude personal injury and property claims that exceed $2,000.  However, you may receive a 25% preferred member discount and consult with your Provider Law Firm under the toll-free consultation benefit for any exclusions under this benefit.

Trial Defense Services: This coverage applies only to the named member and spouse. Divorce, separation, annulment, child custody or other divorce-related matters, bankruptcy, charges of DUI/DWI, drug-related matters (whether prescribed or not), hit and run, leaving the scene of an accident and civil or criminal charges occurring as a result of operating a commercial vehicle with more than two axles are not covered under this benefit, but are covered by the preferred member discount. Additional

exclusions under this benefit: Being named in a civil lawsuit or having criminal charges filed against you because you are listed as an owner, management or associate of the business and you had no direct involvement with the act or matter that gave rise to the lawsuit or criminal charge. Those charges are covered with your preferred member discount. If the lawsuit was filed because of something that occurred prior to your membership or because of conditions that were reasonably anticipated or foreseeable prior to your enrollment, then the lawsuit is excluded from your Trial Defense benefit.  This exclusion applies even if the lawsuit is filed after you become a member.  These lawsuits are covered with your preferred member discount. Class actions, interventions or amicus curiae filings in which the covered member is a party

(or potential party) are excluded.  Also, this coverage does not include garnishment, attachment or any other appeal. Your Provider Law Firm has the right to determine whether or not your claim or defense to a matter will prevail in court or is frivolous or without merit.  This includes deciding whether or not to appeal any judgement or decision.  Your Provider Law Firm also has the right to present your claim or defense according to their independent professional judgement.   Pre-Paid Legal will not influence or attempt to modify how your Provider Law Firm provides their professional services.

IRS Audit Legal Services: Does not cover business tax returns, garnishment, attachment or any other appeal, class actions, interventions or amicus curiae filings, charges of tax fraud or income tax evasions, Trust returns, payroll and information returns, partnerships, corporation returns or portions thereof that are included in the member’s tax returns, preexisting conditions - where member has been notified by the IRS prior to enrollment, and services rendered by an enrolled agent.

Preferred Member Discount: Depending on your legal needs, a retainer may be required by your Provider Law Firm prior to services being rendered under this discount.  Your Provider Law Firm is responsible for determining the amount of the retainer and any other anticipated costs.  Other costs you may incur include fines, court costs, penalties, expert witness fees, bonds, bail bonds, and any out-of-pocket expenses.  These costs are your responsibility and are not included as part of membership benefits. Your Provider Law Firm cannot provide any legal services until payment of the retainer and other costs have been made. If you need representation in court, you must notify your Provider Law Firm at least five business days in advance so they may prepare for your case.

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COMPENSATION PLAN

PPL MEMBERSHIP and IDENTITY THEFT SHIELD

$26 PPL Family Plan                   $26 PPL Family Plan with the

$9.95 Identity Theft Shield

Commission Level

Personal Sales Advances

Bonus Override Advance

Personal Sales Advances

Bonus Override Advance

Executive Director        $182.50       $32.50       $252.35      $44.94

Director

3 Manager Legs or 250 sales

Manager

3 Legs with Senior Associate or Above and attend a FSTS Training Class or 100 sales

Senior Associate

5 Sales

$150.00       $25.00       $207.41       $34.57

$125.00      $25.00       $172.84       $34.57

$100.00      $25.00       $138.27       $34.57

Associate                $75.00                           $103.70

_{$26 sale = $75 to $182}                    $35.95 sale = $103 to $252

$26 PPL Membership:

$35.95 PPL Membership and Identity Theft Shield:

EXAMPLE - Your recruit makes a sale. You are now a Senior Associate and they are

Associate. Your override on the $26.00 membership is $25.00!

EXAMPLE - You are a Director. Your recruit who is a Senior Associate makes a sale. Your override on the $26.00 membership is $50.00!

EXAMPLE - You are an Executive Director. Your new Associate makes a sale. Your override on the $26.00 membership is $107.50!

EXAMPLE - Your recruit makes a sale. You are now a Senior Associate and they are Associate. Your override on the two memberships totalling $35.95 together is $34.57! EXAMPLE - You are a Director. Your recruit who is a Senior Associate makes a sale. Your override on the two memberships totalling $35.95 together is $69.14!

EXAMPLE - You are an Executive Director. Your new Associate makes a sale. Your override on the two memberships totalling $35.95 together is $148.65!

All Examples and Calculations in this information assume that the Associate has no pending chargebacks and the Associate is eligible for advance commissions. Advance Commissions create a debit balance for the Associate and are earned as membership payments are received by the Corporate Office.

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YOU = DIRECTOR

You enroll 3 Associates who each enroll 3 who each

also enroll 3

+  3 Associates

+  9 Associates

+ 27 Associates

39 Total Associates

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YOUR OVERRIDE CHECKS (assuming no chargebacks)

if each Associate sells one membership a month:

$12.95 sale                 $26.00 sale               $35.95 sale

$485/month                $975/month               $1,348/month

YOUR OVERRIDE CHECKS (assuming no chargebacks)

if each Associate sells one membership a week:

$12.95 sale                 $26.00 sale               $35.95 sale

$1,940/month            $3,900/month           $5,392/month

What if they each marketed three memberships a week? What if they marketed one membership a day? Two a day? Three a day? Of course, not everyone reaches this level, but think about what could happen if you did!

PLAYERS CLUB

YOU = MANAGER

10 Sales/Month

10 Identity Theft Sales x $23 in sales revenue  = $230 (to company)

10 Identity Theft Sales x  $62 in advance commissions = $620 (to you) Do this 12 months in a row and add $300/month (monthly car bonus) EQUALS $920

RECAP: Each month you generate $230 in recurring monthly revenue for Pre-Paid Legal after doing that 12 months in a row, you are now putting $920 back in your pocket for each month you continue at that level of sales.

$230             $920

Company Dollar      Commissions and Bonuses to You

What other company will pay this much?

Associates must meet all requirements of the Players Club to receive benefits of the club. And all calculations made in these examples are under the assumption that the Associate has qualified for advanced commissions with no chargebacks.

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“THE SUCCESS SYSTEM”

1)   Review the material on our website: http://67.222.100.118/pplb .

(If you have not heard the business overview call, dial 888-203-1112, passcode 412936#. )

2)   Get on the phone with me to answer any questions you may have and help you get started.

3)   Fill out Associate Application and get your own Membership.

4)   Make a list of everyone you know. Identify your top 10 prospects.

5)   Three-Way or send your contacts into [888-203-1112, passcode 412936#] business overview line or send them to your Pre-Paid Legal website and take them through steps 1 through 5 and duplicate.

Local Business Presentation

Fast Start Training

YOUR GOAL: Get paid in 72 hours and be in profit mode!

$249 Investment

   Fast Start Training Kit_{raining Class}

   Materials

Sell 5 $26/month PPL Memberships with the Identity Theft Shield OVER $500!