Life Events Legal Plan

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Life Events Legal Plan Identity Theft
ShieldPre-Paid Legal Services, Inc.and
subsidiaries
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Have You Ever . . .

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

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What Do We Do
Simply put a Pre-Paid Legal membership does for
attorney and legal bills what medical insurance
does for doctor and hospital bills.
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Who Is Covered?
The Pre-Paid Legal membership covers

• 1. The Member
• 2. The Members 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

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Six Areas of Coverage
The Life Events Legal Plan

• Preventive Legal Services
• Motor Vehicle Legal Services
• Trial Defense Services
• IRS Audit Legal Service
• 25 Preferred Member Discount
• Legal Shield

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Preventive Legal Services
These services are available to you immediately
when you enroll!

• Phone consultations 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 and yearly updates
  included for the member, available to covered
  family members for an additional 20

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 Firms sole discretion. Trust
preparation is available at the preferred member
rate.
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Motor Vehicle Legal Services
These services are available just 15 days after
enrollment!

• Call your Provider Law Firm immediately when you
  receive a moving traffic ticket so proper
  assistance can be arranged.
• Representation for certain motor vehicle related
  criminal charges
• Up to 2.5 hours for help with drivers license
  assistance and/or personal injury/property damage
  collection assistance of 2,000 or less.

Representation under this benefit is provided
when the member has a valid drivers license and
is driving a properly licensed motor vehicle.
Pre-existing 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. Drivers license and
personal injury/property damage recovery
assistance is limited to two and one-half (2-1/2)
hours of lawyer time per claim, does not include
the filing of a lawsuit, and excludes personal
injury and property claims exceeding 2,000.
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Trial Defense Services

• If you or your spouse face a civil suit or
  job-related criminal charges, your Provider Law
  Firm will provide up to 60 hours of service - at
  no added cost - to defend you. Additional
  pre-trial and trial services are available at a
  25 discount from the Firms standard hourly
  rate.
• The longer you keep your membership, the more
  valuable it becomes!
• 1st year - 60 hours (2.5 pretrial/57.5 trial)
• 2nd year - 120 hours (3 hours pretrial/117 trial)
• 3rd year - 180 hours (3.5 pretrial/176.5 trial)
• 4th year - 240 hours (4 pretrial/236 trial)
• 5th year - 300 hours (4.5 pretrial/295.5 trial)

Matters not covered under Plan benefits and which
you may use your preferred member rate for
services are Dependents (covers member and
spouse only), Bankruptcy, divorce, separation,
annulment, child custody or other divorce or
domestic-related matters, 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, Plan benefits apply only to
charges of job-related criminal actions. Benefits
do not cover instances in which you are named in
a civil lawsuit or have criminal charges filed
against you because you are listed as an owner,
manager 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,
Lawsuits filed because of something that occurred
prior to your enrollment or because of conditions
that were reasonably anticipated or foreseeable
prior to your enrollment (even if the lawsuit is
filed after you become a member), Class actions,
interventions or amicus curiae filings in which
the covered member is a party (or potential
party), Garnishment, attachment or any other
appeal, Claims, defenses, or legal positions
which your Provider Law Firm determines will not
prevail in court or are frivolous or without
merit.
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IRS Audit Legal Services

• One hour of consultation, advice or assistance
  when you are notified of an audit by the IRS
• An additional 2.5 hours if a settlement is not
  achieved within 30 days
• If your case goes to court, youll receive 46.5
  hours of your Provider Law Firms services
• Coverage for this service begins with the tax
  return due April 15 of the year you enroll

Coverage includes the return due on April 15th of
the first membership year. Does not cover
garnishment, attachment or any other appeal,
class actions, interventions or amicus curiae
filings, charges of tax fraud or income tax
evasions, Trust returns, business and/or
corporate tax returns, payroll and information
returns, partnerships, corporation returns or
portions thereof that are included in the
members tax returns, pre-existing
conditionswhere member has been notified by the
IRS prior to enrollment, and services rendered by
an enrolled agent.
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25 Preferred Member Discount

• Your Provider Law Firm will render assistance at
  the preferred rate for legal services not
  specifically covered by the benefits of 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 Firms 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.

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.
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Legal Shield

• The Legal Shield 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 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.
  Its that easy.

The Legal Shield membership 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. Check benefit availability in your
state.
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Its No Secret
Identity Theft is A Major Problem In America

• Do you hand your credit card to servers at
  restaurants?
• 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 throw away unwanted mail with personal
  information without shredding
• it first?

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Five Common Types of Identity Theft
Drivers License
Medical
Social Security
Character/ Criminal
Financial

• Identity Theft is not just about credit cards!
  ID theft is an international crime and access to
  an attorney may be critical.

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What is Identity Theft?
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 Security Records
• Banking Records
• Employment Records
• Postal Records
• Purchasing Records
• Tax Records
• Leasing Records
• Licensing Records

Your Data is Out There
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What can you do?
The Complete Wall of Security
YOU
MonitoringServices
Life Events Legal Plan
Restoration Services
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How can we help?
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.
entity Theft
ID
SHIELD
TM
with the Pre-Paid Legal Plan
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Krolls Identity Theft Shield

• Kroll is the worlds 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 Husseins financial network.
• Responsible for the restructuring of Enron.

entity Theft
ID
SHIELD
TM
with the Pre-Paid Legal Plan
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Credit Report Continuous Monitoring

• You will receive an up-to-date credit report
  through Experian at no additional charge with
  your membership.
• Your credit files will be regularly monitored.
  Suspicious activity will be brought to your
  attention, providing you with early detection.
• Youll receive prompt notice if any new accounts
  are opened in your name... or if derogatory
  notations are added to your credit report.

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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 experienced
• professionals are working for you!
• Fraud alert notifications will be sent on your
  behalf and applicable
• follow 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

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 attorney 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.
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Safeguard for Minors

• Children under the age of 18 have a much higher
  risk of identity theft than is commonly realized.
  Thieves target them because the childs
  information may be used for years without
  discovery until the minor is old enough to
  establish credit.
• Education, early detection, and expert
  consultation make for a powerful package of tools
  to minimize this risk.
• Up to four minor children can be enrolled for
  monitoring to detect existing credit files and it
  will cost the member only 1 more per month per
  family.
• All dependent children up to 18 are covered for
  consultation and restoration.

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Employee Cost

• Pre-Paid Legal Plan 15.95 per month
• Identity Theft Shield 12.95 per month
• Pre-Paid Legal Identity Theft Shield 25.90
• (Identity Theft Shield becomes 9.95, when added
  to Legal Plan)
• Safeguard for Minors 1.00 per month
• (Rider that may be added to the Identity Theft
  Shield)
• For additional information, contact our
  Independent PPL Representative
• Rhona Unsell
• 303-527-0947 or 800-530-3151
• rhona_at_unsellinc.com