The document summarizes the services provided by Pre-Paid Legal Services, including legal plans that provide access to attorneys for everyday legal needs like traffic violations, contract reviews, and IRS audits. It also describes an identity theft protection plan. The compensation plan for associates involves commissions for selling memberships and bonuses for recruiting new associates.

1. Pre-Paid Legal Services, Inc. and subsidiaries

5. The U.S. Chamber of Commerce Thomas J. Donohue, President and Chief Executive Officer of the U.S. Chamber of Commerce recently wrote in a letter to Harland Stonecipher, “It is clear that millions of Americans are seeking viable business opportunities in order to secure their financial future, be their own boss, and better balance the responsibilities of career and family. Pre-Paid Legal Services and companies like yours are propelling this powerful trend forward. In doing so, you are not only providing unique opportunities for the Pre-Paid participants, you are also ensuring that the spirit of free enterprise in our country remains strong and vibrant.”

29. Advanced Commissions - $26 Plan Residual income begins after the advance period. That means you get paid month after month for the life of the membership. Team Override Advance Personal Sales Advance All you have to do is collect: $26.00 1st Month's fee + $10.00 One Time Enrollment $36.00 Executive Director Senior Associate Associate 182.50 32.50 150.00 125.00 100.00 75.00 25.00 25.00 25.00 Director Manager CFT Associate 25.00 25.00 132.50 100.00 75.00 50.00 25.00 Cumulative Override Advance

31. Advanced Commissions - $35.95 ($26 PPL Family Plan + $9.95 Identity Theft Shield) All you have to do is collect: $35.95 1st Month's fee + $10.00 One Time Enrollment $45.95 Executive Director Senior Associate Associate 252.35 44.94 207.41 172.84 138.27 103.71 34.57 34.57 34.57 Director Manager CFT Associate 34.57 Residual income begins after the advance period. That means you get paid month after month for the life of the membership. 183.22 138.28 103.71 69.14 34.57 34.57 Team Override Advance Personal Sales Advance Cumulative Override Advance

35. The Top 10% Have Or Can Afford Legal Access The Bottom 10% Have Access To Legal Aid or Public Defender Target Customer $15-$25 Billion Market Pre-Paid Legal Services ® , Inc. gives middle income North America equal access to justice. The Target Market is Huge

36. The Market Timing Is Perfect 100 % 75 % 50 % 25 % 0 % Less than 3% of North Americans Have A Pre-Paid Legal Services Membership Approximately 80% Of Europeans Have Legal Coverage

37. Current Market Penetration This map illustrates Pre-Paid Legal Services ® , Inc.’s current market penetration. Percent of population based on households utilization of 2.5 household members per membership. Less than 1% penetration 1% to 3% penetration More than 3% penetration Plan not available