LegalShield provides legal plans and identity theft protection services to over 3.5 million members across the United States and Canada, generating approximately $450 million in annual revenue. They have a network of over 34,000 law firms across 49 states and Canada and employ 650 people at their headquarters in Ada, Oklahoma. LegalShield's plans offer members access to legal advice and services for both personal and business legal issues for a low monthly fee.

1. LEGALSHIELD
PRESENTATION
Worry Less. Live More.

2. The Company
Established 1972
•
•
Revenue approx. $450 million
• 3.5 million covered lives across U.S.A. and Canada
• 2.1 million requests for legal assistance annually
• 34,000 business accounts
•
650 employees based in Ada, Oklahoma including
extensive in-house customer service representatives
2

3. LegalShield Is An Industry
Leader
• Expert administration of Legal Protection and Identity
Theft plans
•
Our legal plan is the only one that offers 24/7, 365
• access to attorneys in covered emergency situations
No other legal plan offers our exclusive Provider Law
• Firm delivery system. We have a proprietary network of
accomplished law firms* covering 49 states and Canada
*versus a panel referral system
Our Identity Theft plan is the only one in the industry to
3

4. LegalShield
Legal Protection Plan
4

5. Exceptional Service
Proposition
• Each legal provider is organized to provide service for
the membership in its state
•
Fees are paid to the dedicated LegalShield law firm up
• front on a per capita basis (over $100m paid per annum)
•
Calls accepted and serviced efficiently and effectively
Service quality is guaranteed by LegalShield provider
attorney QC systems (which includes real-time monitoring)
5

6. Studies Suggest Legal Plans Provide
Peace of Mind*
Help mitigate financial issues.
• 42% of those who did not hire an attorney said it was because attorneys are
• too expensive
66% of those that hired an attorney through a legal plan said having an attorney
lessened the amount of personal resources (time and money) spent to resolve
their legal issue
•
•
Reduce stress. Our services help with everyday life challenges.
•
70% of Americans have at least one new or ongoing legal issue each year
Up to 90% of the doctor visits in the U.S. may be triggered by stress-related illnesses
• 70% of those who hired a group legal plan attorney reported having peace
of mind in dealing with their legal situation
•
* Based on multiple studies including Harris Interactive 2011, Harris Interactive 2012 and Centers for Disease Control
Reduce absenteeism and increase presenteeism.
and Prevention in USA Today
8

7. Who’s covered
•
•
•
The member
The member’s spouse
Never-married dependent children
under age 21 living at home
• Dependent children under age 18 for
whom the member is legal guardian
• Full-time college students up to age 23;
never married, dependent children
• Physically or mentally challenged
children living at home

8. Over 2 million requests annually . . .
Our Services
• Legal Advice -- Unlimited issues
Advice Unlimited issues
Letters/Calls made on your behalf
• Letters/Calls made on your behalf
Contracts/Documents reviewed
• Contracts/Documents reviewed
•
•
up to 10 pages
Online Legal Forms
Legal Forms
Lawyers Prepare
Prepare
Y
• Your Will, Living Will,
• Healthcare Power of Attorney
H
• T
Traffic-Related Issues
• * Emergency Access for
24/7
•
covered situations
Trial Defense
Defense
• Pre-Trial
• Representation at trial
Representation at trial
• I Audit Assistance
IRS
• 2 Preferred Member Discount*
25%
If you were my lawyer, what would you charge for these services?
* Up to 90% of member inquiries are covered by the plan with no additional fees. All other requests for service are
entitled to a 25% discount to the law firm’s hourly rate (including pre-existing issues).

9. Standard Plan Trial Defense
Your Provider Attorney Will Assist In
The Defense Of Civil Suits And Covered
Job-Related Criminal Charges. Up To
60 Hours Of Assistance The First Year,
including 2 ½ hours pre-trial.
Benefits Increase Each Year To A Maximum Of:
nd
2 Year - 120 Hours
3rd Year - 180 Hours
4th Year - 240 Hours
5th Year - 330 Hours (4.5 hrs pre-trial)

10. Expanded Plan Trial Defense
Your Provider Attorney Will Assist In
The Defense Of Civil Suits And Covered
Job-Related Criminal Charges. Up To
75 Hours Of Assistance The First Year,
including 17 ½ hours pre-trial.
Benefits Increase Each Year To A Maximum Of:
nd
2 Year - 140 Hours
3rd Year - 205 Hours
4th Year - 270 Hours
5th Year - 335 Hours (39.5 hrs pre-trial)

11. Who’s covered
•
•
•
The member
The member’s spouse
Never-married dependent children
under age 26 living at home
21
• Dependent children under age 18 for
whom the member is legal guardian
• Full-time college students up to age 26;
23;
never married, dependent children
• Physically or mentally disabled
challenged
children living at home

12. The Service Proposition
Up to 90% of member inquiries are covered by the plan with no additional fees.
All other requests for service are entitled to a 25% discount to the law firm’s
hourly rate (including pre-existing issues).
Workbook p. 20

13. Standard Trial Defense Schedule of Hours
Trial Defense
Assistance if you or your spouse is named defendant or
respondent in a covered civil action Suit.
* Review a plan contract for your state of residence for complete terms,
coverage, amounts, conditions and exclusions.

14. Trial Defense Supplement
For an additional $9.95 per month, you can rest assured that you
and your family will be covered no matter what comes your way!
* Review a plan contract for your state of residence for complete terms,
coverage, amounts, conditions and exclusions.

15. The Home Business Supplement
Legal Services $9.95 Additional Per Month
• Telephone Consultation- Unlimited Business
Topics
• Document Review for any Business Legal
Document- 3 per month
• Letters/Phone calls on your behalf- six per
year (one per subject matter)
• Debt Collection Letters- 3 per month
• Specialty Matters- Two 30 min consultations per
year
• IRS Audit Services
• 25% off additional legal services
Eligibility
• Must have the LegalShield Legal Plan
• Wholly-owned and operated by member
• No employees other than immediate
family members
*Review a plan contract for your state of residence for
complete terms, coverage, amounts, conditions and exclusions.

16. Legal Plan For The Self Employed
Legal Services $49.00 Per Month
• Advice – (Family & Business)
• Letters/Calls made on your behalf
• Motor Vehicle Services
• 24/7 Emergency Access for
(Family & Business)
• Personal: One per subject matter each
•
membership year
Business: Up to three letters written on
behalf of your business to third parties
each month
(Family)
covered situations – (Family)
• Trial Defense – (Family)
• Pre-Trial
• Representation at trial
• Audit Services – (Family &
Schedule C)
• Legal Document Review
(Family & Business)
• Personal: Contracts/documents up to 10 • 25% off additional legal
•
pages each
Business: Up to three
contract/document reviews (up to 15
pages each) each month
• Standard Will Preparation – (Family)
• Standard Will with yearly
reviews/updates
services
Eligibility
•
•
•
•
For profit business
Not publicly traded
Must have 8 or fewer employees
Own at least 51% or greater of
the business entity

17. LegalShield
Identity Theft Protection Plan
9

18. Current trends in Identity Theft
• For the 11th year in a row, identity
theft is the leading complaint filed
with the FTC
•
Average Time to Resolve for the
• Victim: 55 - 130 Hours
Source 2011 FTC Consumer Sentinel Report
Average Out-of-Pocket Cost for
Identity Fraud Victims: $1,000 - $5,000
10

19. Identity Theft . . .
Identity theft is repeatedly the #1 consumer
complaint category in America.
Identity theft manifests itself in many
different ways:
Credit fraud
•
•
•
•
•
Social Security fraud
Driver’s License fraud
Medical fraud
Criminal/Character fraud

20. Identity Theft . . .
Victims often face
issues such as:
•
•
•
Problems securing a loan
Harassment from debt collectors
Possible arrest for crimes
committed by the identity thief
Our plans not only provide expert
consultation on how to prevent theft
but also provide full restoration of
your identity should a breach occur.

21. Spent Over
2,000
Hours
Still Owes
$140K

22. Multiple Identity Theft
•David Joe Hernandez served four
years in the Air Force at bases in New
Mexico and Japan. So it came as a
shock when he returned home and
learned he was
•Arrest warrant in Arizona for
driving on a revoked license
•Responsible for 20 delinquent
accounts for cell phone bills, credit
cards, utility bills and hospital bills.
•Linked to a string of felonies,
including auto theft and drug
charges
•State regulators began garnishing
60% of his wages to pay child support
to a woman in Chicago he'd never
heard of.
•Hernandez spent a year and a half
trying to clear up the mess, but
things got worse.

23. “The Fair Credit Billing Act establishes
procedures for resolving billing errors on
your credit … accounts … To Take Advantage
of the law’s consumer protection, you must:”
•send your letter so that it reaches the
creditor within 60 days. If an identity thief
changes the address on your account and you
didn’t receive the bill, your dispute letter still
must reach the creditor within 60 days of
when the creditor would have mailed the bill.*”
… or you owe the money.

24. ID Theft Victims Face Tough Bank Fights*
• In 2003, The Korinke family was sued by Homecoming
Financial Network INC., a division of GMAC, for $75,000,
plus attorney fees.
• In 2001, an imposter got hold of a line of credit, switched
the address, and the Korinkes never received the
outstanding bills.
• Homecomings … claimed the Korinkes had been
negligent. “The Korinkes were slow to discover and report
the identity theft … as such, Korinke is liable for any and
all sums attributed to his negligence.**”
• Korinke’s attorney said “ victims who don’t have the
means to find a good lawyer, may be losing out in battles
with financial institutions.***”

25. Identity Theft . . .
*Review the membership brochure for certain requirements and exclusions
**Services are performed upon member request

26. Identity Theft Premium Plan
• Triple-Bureau Credit Monitoring and Activity Alert
• Web Watcher
•
Daily monitoring for use of Social Security Number, Credit/Debit Card Numbers, e-mails, Phone numbers, bank
account and routing number, and medical identification number in hacker chat rooms, internet news groups and
other internet sites where criminals trade stolen identities.
• Public Persona
•
Monthly monitoring of names and addresses associated with a Social Security Number or address history and any
changes to that information.
• Sex Offender Search**
•
Search of sex offender databases to detect if location of sex offenders and whether a member's address has been
used by a registered sex offender.
• Social Security Number Skip-Trace**
•
•
•
•
•
•
•
A search of the Member's Social Security Number through a data base of over 34 billion current public records to
detect potential fraud or identity theft.
Public Records may include: Address Information
Other Names or Aliases
Criminal Records History
Civil Record History
DMV Record
Death Master Index

27. Identity Theft Premium Plan
• Lost Wallet Assistance**
• Assisting Members who have their wallet, purse or
sensitive documents lost or stolen
• Member walkthrough to determine all cards, documents or
ID's that may have been lost or stolen.
• Instructions for filing a police report with a comprehensive list
of data that was lost/stolen in the event of future fraud or
identity theft.
• Information on how to cancel and replace lost or stolen
documents.
• Assistance in disputing fraudulent charges resulting from a
lost or stolen credit or debit card.
• Preventative measures to reduce the likelihood of becoming a
victim of identity theft as a result of the compromised data.
• Placing a temporary fraud alert with each of the national credit
repositories.

28. SafeGuard for Minors
• SafeGuard for Minors
• Covers up to 8 dependent children under the age of 18
SafeGuard for Minors includes:
• SafeGuard Material
– Valuable information on credit education for minors, advice on the best
practices for the use of a child's Social Security Number and personal
identifying information, and more.
• Monitoring and Alerts
– Monitor for the existence of a credit file in your child's name.
– Receive alerts if any credit files are found.
• Consultation
– Consult the experts on any identity theft questions or concerns
regarding child identity theft.
• Identity Restoration Services
– The experts will take immediate action to correct any damages caused
by identity theft. This includes but is not limited to: placing alerts,
disputing fraudulent accounts, providing available credit reports, and
assisting with obtaining a police report.

29. The Identity Theft Shield Difference
Experience:
• Kroll has 40 years in the security and risk management business, with
• experience unmatched by any competitor
LegalShield and Kroll partnered in 2003 to provide a leading identity
• theft protection product which accounts for over 85% of Kroll
identity theft subscriptions
Kroll’s Investigators have thousands of hours of
Service Beyond Credit Monitoring:
experience (the most in the industry)
Restoration: We are the only ones in the industry to offer full investigation
and restoration services which is handled by the experts at Kroll
Licensed Investigator: We provide one-on-one access to a Licensed
Investigator to assist until identity theft issues are fully resolved
Consultation: We communicate best practices and provide consultation
12

31. In addition to the services provided by our plans,
members may also receive special member discounts:
• Computer/Office
• Rental car
• Cell Phone Service
• Financial Services
• Auto Discounts
• Travel

32. What’s Right For You?
At LegalShield it’s simple, you choose which plans work best for
you and your family:
Your first month’s payment will include a $10 enrollment fee.
* When you purchase an Identity Theft Plan along with the
Legal Plan you will receive the discounted rate as noted in
the chart.

33. What’s Right For You?
At LegalShield it’s simple, you choose which plans work best for
you and your family:
Your first month’s payment will include a $10 enrollment fee.
* When you purchase an Identity Theft Plan along with the Legal Plan you
will receive the discounted rate as noted in the chart.

34. EXCEPTIONAL VALUE
Peace of mind for as little as:
$15.95* per month
Includes the employee, Their Dependents
And Their Spouse, or Significant other.
Payment Options:
• Bank Draft or Credit Card
• Payroll Deduction
* Membership cost may vary based on plan you select.

35. EXCEPTIONAL VALUE
Peace of mind for as little as:
$15.95* per month
2000+ Employees
Includes the employee, Their Dependents
And Their Spouse, or Significant other.
Payment Options:
• Bank Draft or Credit Card
• Payroll Deduction
* Membership cost may vary based on plan you select.

36. EXCEPTIONAL VALUE
Peace of mind for as little as:
$18.95* per month
5 - 1999 Employees
Includes the employee, Their Dependents
And Their Spouse, or Significant other.
Payment Options:
• Bank Draft or Credit Card
• Payroll Deduction
* Membership cost may vary based on plan you select.

37. Exceptional Value
Peace of mind for only:
• Standard Legal Plan Alone: $15.95
• Identity Theft Alone with One Bureau Monitoring: $14.95
• Identity Theft Premium Plan Alone: $29.95
• IDT Discounted if Purchased with Legal Plan: $9.95 / $19.95
• Standard Legal Plan with IDT One Bureau Monitoring: $25.90
• Standard Legal Plan with IDT Premium: $35.90

38. Exceptional Value
Peace of mind for only:
• Standard Legal Plan Alone: $18.95
• Identity Theft Alone with One Bureau Monitoring: $14.95
• Identity Theft Premium Plan Alone: $29.95
• IDT Discounted if Purchased with Legal Plan: $9.95 / $19.95
• Standard Legal Plan with IDT One Bureau Monitoring: $28.90
• Standard Legal Plan with IDT Premium: $38.90
5 - 1999 Employees

39. Exceptional Value
Peace of mind for only:
• Standard Legal Plan Alone: $15.95
• Expanded Trial Defense Legal Plan Alone: $24.95
• Identity Theft Alone with One Bureau Monitoring: $14.95
• Identity Theft Premium Alone: $29.95
• IDT Discounted if Purchased with Legal Plan: $9.95 / $19.95
• Standard Legal Plan with IDT One Bureau Monitoring: $25.90
• Standard Legal Plan with IDT Premium: $35.90
• Expanded Legal Plan with IDT One Bureau Monitoring: $34.90
• Expanded Legal Plan with IDT Premium: $44.90

40. Exceptional Value
Peace of mind for only:
• Standard Legal Plan Alone: $18.95
• Standard Legal w/ Trial Defense Supplement Alone: $28.90
• Identity Theft Alone with One Bureau Monitoring: $14.95
• Identity Theft Premium Alone: $29.95
• IDT Discounted if Purchased with Legal Plan: $9.95 / $19.95
• Standard Legal Plan with IDT One Bureau Monitoring: $28.90
• Standard Legal Plan with IDT Premium: $38.90
• Standard Legal Plan w/ Trial Defense Supplement w/ IDT One
Bureau Monitoring: $38.85
• Standard Legal Plan w/ Trial Defense Supplement w/ IDT
Premium: $48.85

41. Broker/Agent Schedule of Commissions
•
All commissions are expressed as a percentage of the membership fees paid by the individual member and are
amounts paid to Broker as writing agent. Amounts shown are the commission percentages applicable to LegalShield’s
family plan memberships, business plans and the standard identity theft plan. Percentages shown represent the total
amount of commissions available including the indicated bonus level when Broker is presenting the products and
enrolling members.
•
Commissions are paid as membership fees are collected by the company. Qualification for Bonus Levels is based on
membership sales. A membership is a new legal plan membership or stand-alone identity theft plan. If an individual has
any plan active with the Company (or has had an active plan of any type within the last six months) the plan is not a new
membership and does not count for Bonus Level.
•
Broker is eligible for bonus level commission on all sales made after 1000 sales. Once Broker has sold 1000 memberships,
Broker shall receive the additional bonus compensation as indicated below on new sales so long as at least 750
memberships remain active. If the active memberships drop below 750, Broker compensation shall drop to the regular
commission rate until such time as 1000 memberships are active. Broker will then be eligible for bonus level commissions
again as long as the active memberships stay at or above 750.
Family Legal Plan
Identity Theft
Plan
Small Business
Legal Plan
Comprehensive
Legal Plan
Commission
16.0%
16.0%
12.2%
12.0%
Bonus
Commission
3.5%
3.5%
2.7%
2.6%
•
Commission percentages for other specialty plans may vary from the percentages shown above. Additionally the increase
of $3.00 per month in the membership fee for the identity theft tri-bureau monitoring plan is not commissionable.
•
In the event that a LS associate is also involved in the presentation and enrollment of members with Broker, then Broker
and the LS associate shall agree to the appropriate application split. When Broker makes an introduction for a LS
associate, but does not otherwise participate in presentations and enrollments of members, the compensation to Broker
shall be a total of 4%.

42. General Agency Level Commission Structure
All commissions are expressed as percentage of the membership fees paid by the individual member are amounts paid to
the General Agency as a writing agent. Amounts shown are the commission percentages applicable to LegalShield’s family
plan memberships, business plans and the standard identity theft plan. Percentages shown represent the total amount of
commissions available including the indicated bonus level when Broker is presenting the products and enrolling members.
Commissions are paid as membership fees are collected by the company. Qualification for Bonus Levels is based on
membership sales. A membership is a new legal plan membership or stand-alone identity theft plan. If an individual has any
plan active with the Company (or has had an active plan of any type within the last six months) the plan is not a new
membership and does not count for Bonus Level.
All commissions will be earned at the “Base Level” unless the General Agency qualifies for a “Bonus Level”. The General
Agency will qualify with membership sales processed in one month to be paid the “Bonus Level” on memberships processed
during the next calendar month. Qualification for “Bonus Levels” is based on membership sales, (not production counters). A
membership is a new legal plan membership or stand-alone identity theft plan. If an individual has any plan active with the
Company (or has had an active plan of any type within the last six months) the plan is not a new membership.
First Year Commission Levels – Family Plans
Base
Level
Sales Per
Month
Earned
Bonus
Level 2
Bonus
Level 3
Bonus
Level 4
Bonus
Level 5
Bonus
Level 6
Below
50
51 – 74
75 – 99
100 – 124
125 – 149
150 +
16%
19.5%
20.2%
20.8%
21.2%
21.4%
Example: The General Agency processes 50 sales in the month of June. All 50 sales will be paid at 16% of the
annual membership fees for each membership processed. In July all memberships processed will be paid at
Bonus Level 1, or 19.5%, of the annual membership fees for each membership processed.

43. General Agency Commission Structure – 48%
•
All commission amounts are expressed as a percentage of the annual membership fees paid by the individual member
and are amounts paid to the General Agency as the writing agent. Amounts shown are the commission percentages
applicable to LS’s standard plan memberships, business plans and the standard identity theft plan. Commission
percentages for specialty plans may vary from the percentages shown. The additional $3.00 per month membership fee
for the identity theft tri-bureau monitoring plan is not commissionable. Percentages shown represent the total amount of
commissions available including the indicated bonus level.
•
All commissions will be advanced at the “Base Level” unless the General Agency qualifies for a “Bonus Level”. The
General Agency will qualify with membership sales processed in one month to be paid the “Bonus Level” on
memberships processed during the next calendar month. Qualification for “Bonus Levels” is based on membership
sales, (not production counters). A membership is a new legal plan membership or stand-alone identity theft plan. If an
individual has any plan active with the Company (or has had an active plan of any type within the last six months) the
plan is not a new membership.
•
First year commissions are the commissions advanced for the first 12 months of the membership life. Renewal
commissions are earned in all months thereafter. Renewals vary depending upon the commission (bonus) level
achieved by the General Agency and the Monthly Retention Rate of all memberships sold in a given calendar month
through the General Agency or any other entity sponsored by the General Agency.
•
Renewals are amounts the General Agency will earn on memberships that “renew” or continue paying after the first 12
months of the life of the membership. Since the General Agency receives a commission advance amount representing
commissions for the first 12 months of payments made, all additional payments made by the member after month 12
represent renewal payments. The General Agency will begin earnings renewals beginning with the member’s 13
payment. Renewal earnings for months 13-15 are applied in month 16 (cumulative), after a three month evaluation
period. All earnings will first be applied to any outstanding Debit Balance. Once the Debit Balance is recovered, future
earnings will be paid to the General Agency.
•
The Monthly Retention Rate of the memberships will be calculated by dividing the active memberships for a given
production month by the total number of memberships originally processed during that month. The Monthly Retention
Rate will be determined at the end of the 15 month for each production month and will thereafter remain the same fixed
amount for the remaining life of memberships processed that month.

44. General Agency Commission Structure – 48%
First Year Commission Levels – Family Plans
Base
Level
Bonus
Level 2
Bonus
Level 3
Bonus
Level 4
Bonus
Level 5
Bonus
Level 6
Sales Per
Month
Below
50
51 – 74
75 – 99
100 – 124
125 – 149
150 +
Advance
48.0%
58.4%
60.7%
62.3%
63.6%
64.2%
Example: The General Agency processes 50 sales in the month of June. All 50 sales will be paid at
48% of the annual membership fees for each membership processed. In July all memberships
processed will be paid at Bonus Level 2, or 58.4%, of the annual membership fees for each
membership processed.

45. General Agency Commission Structure – 48%
Annual Renewal Commissions – Family Plans
Monthly
Retention
Rate
Base
Level
Bonus
Level 2
Bonus
Level 3
Bonus
Level 4
Bonus
Level 5
Bonus
Level 6
Up to 55%
3.02%
3.67%
3.81%
3.91%
3.99%
4.03%
56% to 65%
6.04%
7.34%
7.63%
7.83%
7.99%
8.07%
66% to 75%
9.05%
11.02%
11.44%
11.74%
11.98%
12.10%
76% to 85%
12.07%
14.69%
15.25%
15.65%
15.98%
16.14%
Above 85%
15.09%
18.36%
19.06%
19.57%
19.97%
20.17%
Annual Renewal Commission rates can range from 3.02% to 20.17% of annual membership fees for each plan
processed, dependent upon the commission (bonus) level of the General Agency and the Monthly Retention Rate
for the given calendar month. Example: The General Agency processed 10 memberships at Bonus Level 3 in June
2011. At the end of August 2012 (15 months of membership life) 7 members are still active. The Monthly Retention
Rate for those memberships would be 70% (7/10 = .70, or 70%). The Annual Renewal Commission percentage paid
to the General Agency would be 11.44% of the annual membership fees paid by each member processed in June
2011, and would continue at this rate for the life of each membership. This is illustrated in the chart above at the
point where the column ‘Bonus Level 3’ and row ‘66 to 75%’ intersect.

46. How you earn income
Commissions shown represent advances for the $35.95 plan
3 Main ways to get paid
1. $34
$252
Personal Advance
2. $34
$182
Team Override
3. 1%
18%
Lifetime Residuals
5%
25%
See a compensation plan for complete commission information.
Lifetime Residuals
Advance commissions create a debit balance and are earned as membership payments are received
by the corporate office.

47. Summary
• LegalShield’s legal protection plan and Identity theft plan
are unique, low cost benefits
•
•
•
Currently servicing 3.5 million covered lives
Over 34,000 business accounts
•
Exceptional Service, Exceptional Value Proposition
•
Will help mitigate employee financial issues.
•
• Reduce employee stress. Our services help with everyday
life challenges.

48. Summary
• LegalShield’s legal protection plan and identity
theft plan are unique, highly differentiated service
offerings
•
• Currently servicing 3.5 million covered lives
• Robust domestic back office systems with highly
scalable capabilities
LegalShield launch of national TV and Internet
campaign in mid 2012 and building customer
13

49. Worry Less. Live More.
14