What is Identity Theft?

Most of us discover what identity theft is all about after it happens

“I applied for a loan and was refused. My credit was a mess.”

“Someone used my information to obtain a cell phone… since then, I’ve been living a nightmare…”"When I renewed my drivers license I was surprised to find someone else’s picture on it…”"My wallet was stolen… there has been no end to the problems since… fraudulent checks, bad credit lines…”You’re held responsible for a forgery.

A collection agent demands payment for a car you never bought.** What do you do? As one victim noted, “I’ve spent two years trying to repair my credit.”

27.3 Million victims in the U.S. in the last 5 years.

Identity theft is so prevalent because your information is out there. Every credit card or loan or credit line you’ve ever applied for, every college you’ve attended , every job you’ve had, every magazine you’ve ever subscribed to may have your account names and numbers and personal information; countless databases that can be compromised.

Identity Theft is easy.

There are 240 valid forms of drivers license in the U.S.

10,000 different agencies can issue birth certificates.

2/3rds of identity theft begins with employee theft of data.

FTC Reports 9.9 million identities stolen in 2003.

What does the Identity Theft Shield Cover?

Credit Reports

Evaluate your current credit standing with:

An up-to-date credit report through Experian at no added costA personal credit score calculated by an independent scoring serviceA detailed analysis of your personal credit scoreExperts recommend that you review your credit report regularly. The Identity Theft ShieldSM makes it easy.

Continuous Credit Monitoring

Suspicious activation will be brought to your attention, providing you with early detection.

You’ll receive prompt notice if the credit repository is notified by Experian that:

New accounts have been opened in your nameDerogatory notations have been added to your credit reportPublic records have been added to your reportInquiries have been made against your reportA change of address has been requestedIdentity RestorationIdentity theft can be devastating, and the process of restoring your name can be overwhelming and costly. You need more than “do it yourself” information if it happens to you.

Help reduce your out of pocket expenses and time spent away from work with valuable services from detection to resolution.Fraud alert notifications will be sent on your behalf and applicable follow up will be done with affected agencies and institutions, including: credit card companies, financial institutions, all three credit repositories, Social Security Administration, Federal Trade Commission, Department of Motor Vehicles, law enforcement personnel, and the U.S. Postal Service.Proactive searches of applicable local and national databases will be made on your behalf to look for information you may not be aware of, including: criminal activity in your name in your county’s records and certain federal watch lists, Department of Motor Vehicle records in your state, unknown addresses affiliated with your name, and banking activity in your name reported as fraudulent.

Pre-Paid Legal Services, Inc. designs, underwrites and markets legal expense plans (referred to as Memberships). The Memberships sold by the Company allow members to access legal services through a network of independent law firms under contract. The Memberships are marketed by an independent sales force. The Company’s legal expense plans provide for a variety of legal services in a manner similar to medical plans. In most states and provinces, standard plan benefits include preventive legal services, motor vehicle legal defense services, trial defense services, Internal Revenue Service (IRS) audit services and a 25% discount off legal services not specifically covered by the Membership. As of December 31, 2007, the Company had 1,575,802 Memberships in force with members in all 50 states, the District of Columbia and the Canadian provinces of Ontario, British Columbia, Alberta and Manitoba. Approximately 90% of such Memberships were in 29 states and provinces.

Family Legal Plan

The Family Legal Plan consists of five basic benefit groups that provide coverage for a range of preventive and litigation-related legal expenses. The Family Legal Plan accounted for approximately 91% of the Company’s Membership fees during the year ended December 31, 2007. In addition to the Family Legal Plan, the Company markets other specialized legal.

Preventive Legal Services generally offer unlimited toll-free access to a member’s provider law firm for advice and consultation on any legal matter. These benefits also include letters and phone calls on the member’s behalf, review of personal contracts and documents, each up to 10 pages in length, last will and testament preparation for the member and annual will reviews at no additional cost.

Motor Vehicle Legal Protection benefits offer legal assistance for matters resulting from the operation of a licensed motor vehicle. Members have assistance available to them at no additional cost for defense in the court of original jurisdiction of moving traffic violations deemed meritorious, defense in the court of original jurisdiction of any charge of manslaughter, involuntary manslaughter, vehicular homicide or negligent homicide as the result of a licensed motor vehicle accident.

Trial Defense benefits offer assistance to the member and the member’s spouse through an increasing schedule of benefits based on Membership year. Up to 60 hours are available for the defense of civil or job-related criminal charges by the provider law firm in the first Membership year. The criminal action must be within the scope and responsibility of employment activities of the member or spouse. Up to 2.5 hours of assistance are available prior to trial, and the balance is available for actual trial services.

IRS Audit Protection Services offer up to 50 hours of legal assistance per year in the event the member, spouse or dependent children receive written notification of an IRS audit or are summoned in writing to appear before the IRS concerning a tax return.

Legal Shield Benefit

In approximately 44 states and four Canadian provinces, the Legal Shield plan can be added to the standard or expanded Family Legal Plan and provides members with 24-hour access to a toll-free number for provider law firm assistance if the member is arrested or detained. The Legal Shield member, if detained, can present their Legal Shield card to the officer that has detained them to make it clear that they have access to legal representation and that they are requesting to contact a lawyer. The benefits of the Legal Shield plan are subject to conditions imposed by the detaining authority, which may not allow for the provider law firm to communicate with the member on an immediate basis. There were approximately 1,080,000 Legal Shield subscribers at December 31, 2007.

Identity Theft Shield Benefit

By adding the Identity Theft Shield to their existing family Membership, members have toll free access to the identity theft specialists at Kroll Inc. This benefit can be added to a legal service Membership for or purchased separately. The identity theft-related benefits include a credit report and related instructional guide, a credit score and related instructional guide, credit report monitoring with daily online and monthly offline notification of any changes in credit information and comprehensive identity theft restoration services. There were approximately 715,000 subscribers at December 31, 2007.

Canadian Family Plan

The Family Legal Plan is marketed in the Canadian provinces of Ontario, British Columbia, Alberta and Manitoba. Benefits of the Canadian plan include preventive benefits, including assistance with Canadian Government agencies, warranty assistance and small claims court assistance, as well as the preferred member discount.

Specialty Legal Service Plans

The Business Owners’ Legal Solutions plan provides business-oriented legal service benefits for small businesses with 99 or fewer employees. This plan provides small businesses with legal consultation and correspondence benefits, contract and document reviews, debt collection assistance and reduced rates for any non-covered areas. This plan is available in 46 states and three Canadian provinces and represented approximately 5.3% of Membership fees during 2007.

The Commercial Driver Legal Plan offers a variety of driving-related benefits, including coverage for moving and non-moving violations. This plan provides coverage by a provider law firm for persons who drive a commercial vehicle. This legal service plan is offered in 45 states. In certain states, the Commercial Driver Legal Plan is underwritten by the Road America Motor Club, an unrelated motor service club. In 2007, this plan accounted for approximately 0.9% of Membership fees.

The Home-Based Business plan provides small business owners access to commonly needed legal services. It can be added to the Expanded Family Legal Plan in approved states. To qualify, the business and residence address must be the same with three or fewer employees and be a for-profit business that is not publicly traded. Benefits under this plan include unlimited business telephone consultation, review of three business contracts per month, three business and debt collection letters per month and discounted trial defense rates. This plan also includes Membership in GoSmallBiz.com. This plan is available in 37 states and two Canadian provinces and represented approximately 1.8% of the Company’s Membership fees during each of 2007.

The Comprehensive Group plan, available in 36 states, provides all the benefits of the Family Legal Plan, as well as mortgage document preparation, assistance with uncontested legal situations, such as adoptions, name changes, separations and divorces. Additional benefits include the preparation of healthcare power of attorney and living wills or directives to physicians. In 2007, the Company had 2,735 Memberships.

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