You have unlimited toll-free access to your Provider Firm --immediately when you enroll-- for personal or business-related legal matters. Just call your Provider's toll-free number during regular business hours.

A phone call or letter from your Provider Lawyer can get you the results you want fast. Your Provider

Lawyer will recommend a letter or phone call when that is the best step for you. One call or letter per personal subject related matter is free with your membership. Plus, you'll receive two business letters each year at no additional cost! Additional assistance for same subject is at a 25% discount.

You can have an unlimited number of personal legal documents, up to ten pages each, reviewed by your Provider Lawyer. Included each year is one business document review at no additional cost! Your Provider Lawyer will analyze the documents and suggest changes for your benefit before you sign.

A Will for you at no additional charge, not just a "simple" Will, but one that meets most Americans' needs - with free yearly reviews and updates. Wills for covered family members are just $20 each; changes and updates $20. Trust preparation is available at a 25% discount.

These services are available to you just 15 days after you enroll!

Your Provider Lawyer will represent you or your covered family members against moving traffic violations at no additional cost to you. Now you can have help with traffic tickets and not have to worry about the cost of representation.

Your Provider Lawyer will defend you or your covered family members when you are charged with Manslaughter, Involuntary Manslaughter, Negligent Homicide, or Vehicular Homicide at no added cost to you.

And up to 2.5 hours for help with...

- Damage recovery service

- Driver's license assistance

- Personal injury legal expenses

Lawsuits cause tremendous emotional and financial stress. Your Pre-Paid Legal membership offers assistance when you need it most. Up to 60 hours of lawyer time... During your first membership year, you have up to 60 hours of your Provider Lawyer's time at no additional cost when you or your spouse is named defendant or respondent in a covered civil or criminal action filed in a court of law. The criminal action must be one that arises out of the direct performance of the covered person's employment activities. Your

Provider Firm can advise you of the documents required to determine coverage under this benefit.

Of these 60 hours, up to 2.5 hours may be used for all legal services rendered in defense of the covered suit prior to actual trial. Up to 57.5 of the remaining hours are available for actual trial time including covered criminal preliminary hearings.

Your hours of service increase when you renew your membership.

Coverage for this service begins with the tax return due April 15 of the year you enrolled Your Pre-Paid Legal membership will help you defray the costs of an IRS audit and give you the legal support you need.

Up to 50 hours of lawyer time...

You have up to 50 hours of your Provider Lawyer's time available at no additional cost when you or a covered family member receives written notice of an IRS audit or are requested to appear at IRS offices regarding your tax return. Your 50 hours are available as follows:

Up to one hour for consultation, advice, and assistance when you receive written notice from the IRS of audit or appearance. If there is no settlement within 30 days, you have up to 2.5 hours for audit representation, negotiations, phone conversations, and settlement conferences prior to litigation. If there is no settlement without litigation, up to 46.5 of the remaining hours are available for actual trial appearance if the IRS sues you, or you pay the disputed tax and sue the IRS. This benefit does not cover corporate or business tax returns.

Your Provider Lawyer will render assistance at a 25% reduction to his or her standard hourly rate* for you or your spouse should you need legal services not covered by this plan. A retainer may be required for services being rendered under this benefit. Five days are required for preparation for court representation.

* Hourly rates for Referral Lawyers and court appearances may vary.

This information describes highlights of the Pre-Paid Legal Plan. Only the membership contract can provide a complete description of plan benefits, provisions, limitations or exclusions.