SMALL BUSINESS OWNER’S LEGAL SOLUTIONS PLAN

LEGAL SHIELDLEGAL SHIELD

SMALL BUSINESS PLAN OVERVIEWSMALL BUSINESS PLAN OVERVIEW

Legal Shield.Legal Shield.

Started in 1972Started in 1972Listed on the NYSE (Listed on the NYSE (SymbolSymbol: PPD): PPD)Annual RevenuesAnnual Revenues1.4 Million Members 1.4 Million Members

Our MissionOur Mission

““To Revolutionize the way legal To Revolutionize the way legal services are delivered in North services are delivered in North America by providing access to America by providing access to quality law firms for middle quality law firms for middle income individuals and familiesincome individuals and families””

““SUCCESS” magazine coverSUCCESS” magazine cover

One Man’s Mission One Man’s Mission To Change People’s To Change People’s LivesLives

Three Reasons People Do Not Three Reasons People Do Not Seek Legal CounselSeek Legal Counsel

1.1. Most people are Intimidated by The Most people are Intimidated by The Legal System.Legal System.

2.2. They don’t know where to go for help.They don’t know where to go for help.

3.3. They’re afraid of how much it will They’re afraid of how much it will cost to get legal help.cost to get legal help.

““Equal Justice Under Law”Equal Justice Under Law”

Unfortunately we often get just as Unfortunately we often get just as much justice as we can afford.much justice as we can afford.

Plan BenefitsPlan Benefits

Legal ConsultationLegal Consultation

Employee hiringEmployee hiring Equipment leasesEquipment leases Joint VentureJoint Venture BankruptcyBankruptcy City ZoningCity Zoning Verbal contractsVerbal contracts IncorporationsIncorporations Small Claims Small Claims PartnershipPartnership

Hiring/TerminationHiring/Termination Landlord/tenant issuesLandlord/tenant issues Vendor problemsVendor problems Intellectual propertyIntellectual property Workers compensationWorkers compensation Bad check recoveryBad check recovery Customer complaintsCustomer complaints Creditor harassmentCreditor harassment Disclaimer verbiageDisclaimer verbiage

Legal CorrespondenceLegal Correspondence

You get You get oneone letter per subject matter letter per subject matter each year at no additional charge – each year at no additional charge –

with a copy for your file! with a copy for your file! Follow-up letters Follow-up letters are provided at a 25% dicount.are provided at a 25% dicount.

Debt CollectionDebt Collection

How valuable would it be to your How valuable would it be to your business to have collection letters business to have collection letters

written on you behalf by an written on you behalf by an attorney?attorney?

Collection LettersCollection Letters

Your business may have up to ten Your business may have up to ten (10)(10) separate initial collection letters written separate initial collection letters written per month at no charge.per month at no charge.

Legal ContractsLegal Contracts

Contract ReviewContract Review

Up to 3 contracts – up Up to 3 contracts – up to 15 pages each – to 15 pages each – can be review each can be review each month by your month by your Provider Law FirmProvider Law Firm

Executed Contract ReviewExecuted Contract Review

One signed contract per One signed contract per month – up to 10 month – up to 10 pages in length – pages in length – reviewed by your reviewed by your Provider Law Firm at Provider Law Firm at no additional charge.no additional charge.

Document ReviewDocument Review

Each month your Provider Law Firm will Each month your Provider Law Firm will receive three (3) business documents – up to receive three (3) business documents – up to 15 pages each – and make recommendations15 pages each – and make recommendations

Designated ConsultationsDesignated Consultations

For Certain legal situations, your plan For Certain legal situations, your plan includes two (2) telephone consultations includes two (2) telephone consultations per year arranges by your Provider Firm.per year arranges by your Provider Firm.

Each consultation are up to one-half hour.Each consultation are up to one-half hour.

Benefit Topics Benefit Topics

SecuritiesSecurities PatentsPatents CopyrightsCopyrights Anti-TrustAnti-Trust Complex Tax IssuesComplex Tax Issues

CommoditiesCommodities TrademarksTrademarks International lawInternational law ImmigrationImmigration Import/Export Import/Export

Customs mattersCustoms matters

Trial Defense Trial Defense ServicesServices

Your plan includes 75 hours of trial time Your plan includes 75 hours of trial time from your Provider Law Firm.from your Provider Law Firm.

Up to 15 hours of pre-trial prepUp to 15 hours of pre-trial prep60 hours of trial time60 hours of trial time

Reduced Fee ServiceReduced Fee Service$$

25 %25 % off on other legal work within your off on other legal work within your business statebusiness state

Up to 5%Up to 5% discount on Provider Firm’s discount on Provider Firm’s standard contingency feestandard contingency fee

OverviewOverview

Business Owners Legal Solutions Plan Benefits

Legal Consultation

Contracts & Document Review

Trial Defense

PPL BENEFITSPPL BENEFITS

GoSmallBizSmallBiz.com.com

““what is what is youryour question?” question?”

GoSmallBiz.comGoSmallBiz.com

Through gosmallbiz.com you’ll have a place to go Through gosmallbiz.com you’ll have a place to go for the following subjects:for the following subjects:

Business adviceBusiness adviceNewsNewsInformation Information Consulting servicesConsulting services

Additional topics include:Additional topics include:

Sales & MarketingSales & Marketing FinanceFinance LegalLegal Human ResourcesHuman Resources TechnologyTechnology Tax & AccountingTax & Accounting

What Lawsuits CostWhat Lawsuits Cost

Most attorney charge between $150 and Most attorney charge between $150 and $300 an hour $300 an hour

To keep an attorney on retainer: $500 to To keep an attorney on retainer: $500 to $1,000 per month$1,000 per month

How long would it take for you to How long would it take for you to run out of money?run out of money?

Unlimited Business ConsultingUnlimited Business Consulting- - 24 Hours a Day - -

Internet Internet MarketingMarketing ManagementManagement AccountingAccounting

InsuranceInsurance TaxesTaxes RetirementRetirement TravelTravel

Small Business Small Business Management CourseManagement Course

Business PlansBusiness Plans Time ManagementTime Management BankingBanking Psychology of the Psychology of the

home office home office

InsuranceInsurance TelecommunicationsTelecommunications InvestmentsInvestments ComputersComputers FinanceFinance

EMPLOYEE BENEFITS PROGRAM

•Legal Shield Pioneer in legal services since 1972

•Kroll Inc. world’s leading independent risk consulting company for over 30 years

Oprah Winfrey, Will Smith, Bill Gates, Tiger Woods, Steven Spielberg, US Attorney General John Ashcroft and one out of every eight Americans…

“The Nation’s Fastest Growing Crime”- Federal Trade Commission

In the News

•Portland Police bust HUGE ID Theft Ring: Stolen Information on over 3000 local residents

-- KGW.com (11/7/2003)

•Identity thief nabs victims at Kinko’s from MSNBC.com (8/2003)

•In New Twist, Identity Thieves Are Targeting Home Equity (Wall Street Journal)

•Identity theft has risen 80 percentfrom Delaware online (8/2003)

FTC Report Sept. 2003

•1out of 4 American Households were struck by Identity Theft in the last 5 years. •Estimated 9.9 million victims last year (FTC)(The incidence of victimization increased 11-20% between 2001-2002 and 80% between 2002 –2003) Harris Interactive•1997 consumers lost $745 million •2002 cost to US economy $53 billion•3,000 calls a week to FTC ‘Identity Theft’ Hotline (43% of all of their calls)

The Facts….

• Victimization increased 11-20% between 2001-2002 and 80% between 2002 -2003 (Harris Interactive).

• 91% of respondents do not see “light @ the end of the tunnel" and expect a heavy increase in victimization.

• 49% also stated that they don’t feel they know how to adequately protect themselves from this crime.

• 600 hours (average) over a period of years. (Three years ago the average was 175 hours of time, representing an increase of about 2470% )

•  Based on 600 hours X the indicated victim wages, this equals nearly $16,000 in lost potential or realized income.

The Facts….ITRC Study 2003‘The Aftermath’

Think you’re NOT at risk?Unfortunately you are.

•Do you hand your Credit Card to servers @ 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?

Options…

#1 – ‘Do It Yourselfer’

#2 – ‘Be Proactive’ and Protect Yourself

On average victims spend more than On average victims spend more than 600 600 hourshours and and $1,400$1,400 in out-of-pocket in out-of-pocket expenses expenses (an (an increase of 85%increase of 85% from past years)from past years)

$16,000$16,000 in lost wages to clear their in lost wages to clear their

names.names. ((Three years ago the average was 175 hours of timeThree years ago the average was 175 hours of time *, *,

representing anrepresenting an increase of about 2470%.increase of about 2470%.))

*Identity Theft Resource Center 2003*Identity Theft Resource Center 2003

$$12.9512.95 per month covers both the per month covers both the

member and the member’s spouse.member and the member’s spouse. (ONLY $9.95 per month with a PPL Legal Plan)(ONLY $9.95 per month with a PPL Legal Plan)

See Product Contract for more information

Option #1 (without Protection) :

Option #2 (with Protection) :

•Legal Shield. Pioneer in legal services since 1972

•Kroll Inc. – world’s leading independent risk consulting company for over 30 years

Credit ReportsCredit Reports (for both of you)(for both of you) Free credit reportFree credit report Personal Credit Score and AnalysisPersonal Credit Score and Analysis

Continuous Credit MonitoringContinuous Credit Monitoring Monitored dailyMonitored daily New AccountsNew Accounts Negative notationsNegative notations

See Product Contract for more information

Fraud Restoration AssistanceFraud Restoration Assistance

Limited Power of AttorneyLimited Power of Attorney Fraud alerts to three major credit bureaus, FTC, Social Fraud alerts to three major credit bureaus, FTC, Social

Security Administration, and US Postal ServiceSecurity Administration, and US Postal Service Work to restore your identity with law enforcement, the Work to restore your identity with law enforcement, the

department of motor vehicles and other organizationsdepartment of motor vehicles and other organizations

(If you decline Limited Power of Attorney Consulting services will provide advice,(If you decline Limited Power of Attorney Consulting services will provide advice,

Sample letters and forms through a toll-free Phone number for assistance and adviceSample letters and forms through a toll-free Phone number for assistance and advice

throughout the process of restoring your identity. )throughout the process of restoring your identity. )

See Product Contract for more information

• Help to reduce out-of-pocket expensesHelp to reduce out-of-pocket expenses• Reduces the amount of loss time from work to restore Reduces the amount of loss time from work to restore

identityidentity• Proactive searches of applicable Proactive searches of applicable

local and national databases local and national databases

See Product Contract for more information