PPL Legal Care of Canada Corporation

Three Major Problems and Needs The Best Answers Opportunity and Timing Action Steps

Business Briefing

Credit Cards Taxes Loans Mortgages CollegeTaxes Car loans Taxes Insurance Cell Phones

Gasoline Taxes Etc.

First Major Problem

Most people today have the same complaint – they don’t have enough money and they have no time freedom.

Expenses are escalating. Everyday items are much more expensive today than just one year ago.

Second and Third Major Problems

Identity Theft

Access to the legal system

for Everyday Life Events

Five Areas to Evaluate

The Company The Need/Marketplace The Product The Compensation The Timing

The Company

Harland C. StonecipherFounder, Chairman, & CEO

Has been in business for more than 30 years Is a public company since 1976 (NYSE:PPD) Began with a serious auto accident.

Pre-Paid Legal Featured in Many Publications

Pre-Paid Legal was most recently featured in Success from Home magazine.

Sales History

Our sales history continues to improve as we move up and to the right each year.

$300$325$350$375$400$425$450$475

2001 2002 2003 2004 2005 2006 2007 2008

GROSS REVENUEIN MILLIONS

$303 $350 $361 $386 $423 $444 $457 $464

Have You Ever . . .

been overcharged for a repair? tried to return a defective product? received a traffic ticket? lost a security deposit? signed a contract? purchased a home? prepared a Will? worried about identity theft?

Why Don’t People Call Attorneys

They are intimidated by lawyers. They don’t know who to call. They believe it would cost too much.

The Main Reasons People Don’t Seek Legal Counsel:

The Most Common Responses to a Legal Dispute Are to:

Ignore the problem Try to handle it personally

What Do We Do

Simply put a Pre-Paid Legal membership does for lawyer and legal bills

what medical insurance does

for doctor and hospital bills.

1. The Member2. The Member’s Spouse3. Never Married Dependent Children Under 21 Living At Home4. Dependent Children Under Age 18 For Whom The Member Is Legal Guardian5. Full Time College Students Up To Age 23 Never Married, Dependent Children6. Physically Or Mentally Challenged Child Living At Home

Who Is Covered?

The Pre-Paid Legal membership covers:

Preventive Legal Services 25% Preferred Member Discount

The Life Events Legal Plan:

Areas of Coverage

Preventive Legal Services

Phone consultation on an unlimited number of matters

A Letter written or phone call made on an unlimited number of personal issues for you and your family

An unlimited number of personal contracts and documents reviewed up to 10 pages each

Standard Will preparation

Powers of Attorney Preparation**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.

These services are available to you immediately when you enroll!

Letters written on your behalf or preventive phone calls made to help you with warranty issues Review of leases and other documents Assistance in contacting government agencies Debt collection review and advice Tenant review and advice Small claims court advice Consumer protection benefits Legal Advice on matters relating to social assistance Legal Advice on settlement of an estate

Preventive Legal Services (continued)

25% Preferred Member Discount

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!

You will receive a 33.3% discount off your Provider Law Firm’s standard hourly rate for representation should you need legal services that must be performed outside of a lawyer’s office. *

Five business days advance notice is required for preparation in court representation.*Hourly rates for Referral Lawyers and court appearances may vary.Preferred Member Discount: Hourly rates for Provider Law Firms and court appearances may vary. Please note that a retainer may be required for services to be rendered under this benefit. At least five business days are required for preparation in court representation. Telephone advice is available immediately.

25% Preferred Member Discount - continued

Should you require assistance of a lawyer in the United States, on a retainer basis, simply contact your Provider Law Firm. They will arrange a referral to an appropriate United States lawyer. You will be entitled to a 25% discount off that lawyer’s standard hourly rate for the services provided.

A retainer will normally be required for services to be rendered under this benefit.

Five business days advance notice is required for preparation in court representation.

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.

Assistance If Arrested Or DetainedThe benefit gives you and your family 24-hour access to legal consultation for the following situations: If you are detained by a law enforcement officer If you are injured in an accident If authorities attempt to remove your child from your home or custody If you are served with a warrant

To contact your Provider Law Firm, simply call the toll-free number on your membership 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 lawyer. It’s that easy.This benefit 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, or obtaining bond, bail or other security required for release.

How Much Will It Cost?

Well, with a Life Events Legal Plan membership you receive all this for

only $26 a month! Isn't your family worth it?

That's less than the price of a cup of coffee

a day!

It’s No Secret

Identity Theft is A Major Problem In North America Do you hand your credit card to servers at restaurants?

Do you supply personal information over the internet?

Do you keep your Social Insurance number in your wallet or purse?

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

Do you throw away unwanted mail with personal information without shredding it first?

Five Common Types of Identity Theft

Identity Theft is not just about credit cards! Identity theft is an international crime and access to an lawyer

may be critical.

Drivers License

Medical

Financial

Social Insuran

ceCharact

er/ Criminal

Why are you at risk? Utility Companies Insurance Companies Credit Card Records Medical Records Real Estate Records Motor Vehicle Records School Records Military Records Social Insurance Records Banking Records Employment Records Postal Records Purchasing Records Tax Records Leasing Records Licensing Records

Your Data is Out There

What is Identity Theft?

The Best Answer

DriversLicense Identity Theft

Medical Identity Theft

Financial Identity Theft

Social Insurance Identity Theft

Character/ Criminal

Identity Theft

Is Credit Monitoring Alone the Solution?

RestorativeServices

The Best Answer

DriversLicense Identity Theft

Medical Identity Theft Financial

Identity Theft

Social Insurance Identity Theft

Character/ Criminal

Identity Theft

Life Events

Legal Plan

Life

Events Legal Plan

Life

Events Legal Plan

Life

Events Legal Plan

Life

Events Legal Plan

Restorative

Services RestorativeServices

RestorativeServices

RestorativeServices

The Complete Wall of Security

The Best Answer

Life Events Legal Plan

YOUMonitoringServices

Restoration Services

The Best Answer

Pre-Paid Legal Services, Inc. is the only

company with a suite of products that provides help in every phase of Identity Theft – before,

during, and after the crime occurs. TMSHIELD

IDentity Theft

with the Pre-Paid Legal Plan

The Best Answer

Kroll is the world’s leading risk consulting

company with more than 30 years of

experience. Kroll has been involved in many notable cases, such as:

Assisted the Kuwaiti government in investigating Saddam Hussein’s financial network.

Responsible for the restructuring of Enron.

TMSHIELDIDentity Theft

with the Pre-Paid Legal Plan

Expedited Consumer Credit Disclosure

A Consumer Credit Disclosure will help you to make sure your financial records are accurate.

You can receive a copy of your current consumer credit disclosure and we’ll help you obtain it at no additional charge.

Expedited Delivery of Consumer Credit Disclosures Quarterly

You will be provided easy to use forms to request your consumer credit disclosure one every three months. By ordering your consumer credit disclosure quarterly, you will be actively involved in helping to monitor your own credit information. Learning of suspicious activity before it ruins your credit is crucial.

Your credit file will be provided to you free of charge by the credit bureau as required by provincial credit reporting legislation. This product offers assistance for you to request your consumer credit file disclosure as an additional benefit of the service. No purchase is necessary to obtain your credit file disclosure from the credit bureau.

Restoration Services

If your identity is stolen, you need more than just information about how to restore your name and credit rating. As an Identity Theft ShieldSM member you can rest easy knowing experiencedprofessionals are working for you!Fraud alert notifications will be sent on your behalf and applicablefollow up will be done with affected agencies and institutions.Proactive searches of applicable local and national databases will be made on your behalf to look for information you may not have known about.This benefit applies to you, your spouse and any dependent children up to the age of 18.

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 known stolen identity event that occurred prior to enrollment date. You must be an active member to receive restoration services. Services provided do not cover financial losses arising from the identity theft. A signed limited power of lawyer must be provided to Kroll when an Identity Theft Restoration case is opened in order for Kroll to work on your behalf and/or provide the Proactive Database Searches listed. A stolen identity event does not include the theft or unauthorized or illegal use of your business name, d/b/a, or any other method of identifying your business activity.

How Much Will Peace of Mind Cost?

With the Life Events Legal Plan you will receive all these benefits for just $26 or less per month! And the Identity Theft Shield can be added for an additional $9.95 per month.

That’s less than the price of a bottle of water a day.

What’s in It For You?

We need your help taking this service and opportunity to

the marketplace.

How do people create WEALTH?

Work for someone else? Get a second job? A third job?

Escalating Expenses•Credit Cards•Taxes•Loans•Mortgages•College•Taxes

The Opportunity

•Car loans•Taxes•Insurance•Cell Phones•Gasoline•Taxes

Two Goals

2. Create more millionaires than any other companyPPL TRACK RECORD: In 2008 approximately

every 12 days a new family started earning a six-figure income working with PPL!

And approximately every 24 days a new family joins the Millionaire Club!

And you can, too, by doing three simple things!

1. Sign up every family for the Life Events Legal Plan and Identity Theft ServicePPL TRACK RECORD:

Servicing more than 1.5 million families.

Over 34,000 companies offer the services as an employee benefit.

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 AssociateAssociate

252.35 44.94207.41172.84138.2769.14

34.5734.5769.14

DirectorManager

Junior Associate

34.57

Want to earn higher commissions immediately? If your first activity is to recruit a new Junior Associate AND sell that person a membership, you will immediately advance to Associate level and receive the Associate level advance on that sale!

Commission amounts shown represent advances. If a membership cancels during the advance period, you will be charged back against future commission advances.

217.78172.84138.27103.7134.5734.57

Team OverrideAdvance

Personal Sales

Advance

CumulativeOverride Advance

Advanced Commissions - $26 Plan

Want to earn higher commissions immediately? If your first activity is to recruit a new Junior Associate AND sell that person a membership, you will immediately advance to Associate level and receive the Associate level advance on that sale!

Commission amounts shown represent advances. If a membership cancels during the advance period, you will be charged back against future commission advances.

Team OverrideAdvance

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 AssociateAssociate

182.50 32.50150.00125.00100.0050.00

25.0025.0050.00

DirectorManager

Junior Associate

25.0025.00

157.50125.00100.0075.0025.00

CumulativeOverride Advance

Pre-Paid Legal Pays You Every Day

Commissions are paid daily by direct deposit!

Player’s Club

Qualify for the Player’s Club and receive a monthly car bonus!

*The program requires additional requirements to be met. Review the Player’s Club flier for full details regarding this program.

Your monthly car bonus canrange from $100 to $500!

This Business Is Simple

Let the tools do the work for you! Hand Outs

Brochures DVDs and CDs Mail Outs Calls Recordings Website Third-party validations and now . . .

Viral Marketing ToolMarketing experts believe the most valuable ad placement today is on someone's internet home page. Through a partnership with blastoff, Pre-Paid Legal Services, Inc. now has the opportunity to expose individuals to their services through potentially millions of homepages. FREE... FUN... EASY... They shop, they save. You earn, and you market PPL.

SMITHGrocer

MUHAMMAD

BellSouth

DORSEYLandscaping

RASMUSSEN

Business Owner

SELFStore Manager

No Specific Experience Necessary

PICKENSMilitary

GARDNERlawyer

BURGESSSocial WorkerMALLOY

G.E.D.DENNECustodian

The Top 10% Have Or Can Afford Legal AccessThe Bottom 10%

Have Access To Legal Aid or Public Defender

Target Customer$15-$25

Billion MarketPre-Paid Legal Services, Inc. gives middle income North America equal access to justice.

The Target Market Is Huge

The Market Timing Is Perfect

100 %

75 %

50 %

25 %

0 % Less than 3% ofNorth Americans

Have A Pre-Paid Legal

Services Membership

Approximately 80%

Of Europeans Have

Legal Coverage

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

Timing Is Key

History shows that when an industry hits a 2% market penetration, critical mass can be achieved.

THE GROWTH OF HMO’S• It took 10 Years for HMO’s to reach 2% market penetration•After that, it took just seven more years to reach 52% market penetration

60%50%40%30%20%10%

0%1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17

0102030405060708090

100

LIFE AUTO HEALTH LEGAL

Timing Is Key

The three major divisions of the insurance industry have already achieved billions in market share.

Success Stories

Now, it is time to show you how Pre-Paid Legal really

works. We’re going to share with you real stories from

real people who have been helped either by the

membership, the business opportunity or both.

Investment

$49 BASIC PROGRAM

OR

Investment

As a FAST START Associate you receive:BUILDER’S PACK:

Applications Brochures 3 months FREE enhanced website 3 months FREE Televox 1 Getting Started Right Book 3 Training CDs 3 Recruiting DVDs 1 Recruiting CD

Help one person start their business and sell ten $35.95 memberships =

$1,382.70Special Executive Director support

and guidance to launch your business!

Become a Member Become an Associate Plug into Your Area Events

Action Steps

Thank you for your time.

See You Next Week

Tonight’s event was great, and we appreciate your being here . . . but next week will be even better.

Don’t miss our special guest speaker!

Be sure to write it down because you definitely want to be here. And be sure to bring people with you!

There are several ‘conference calls’ we can attend, or we can meet individually (in person or online). If you would like to meet with me, to discuss any of what you have read, please give me a call or send me an email. Geraldine Holden Tel: 1-807-622-7088 Fax: 1-807-623-1312 email: holden@tbaytel.net

Pre-Paid Legal Services, Inc.

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:Pre-Paid Legal CasualtySM, Inc.In Tennessee: Pre-Paid Legal Services of Tennessee, Inc.In Florida: Pre-Paid Legal Services, Inc., of FloridaIn Virginia: Legal Service Plans of Virginia, Inc.In Canada: PPL Legal Care of Canada Corporation

©1999 Pre-Paid Legal Services, Inc.4.09