Protecting Families, Finances, and Your Future

♦ Harvard Risk Management Corporation is the largest broker of legal and identity theft plans in the US.

♦ We pride ourselves on providing high quality and affordable services to our customers.

♦ For over two decades we have worked hard to find REAL solutions to REAL problems facing individuals and families.

♦ Everyday there are over 40,000 victims of identity theft.

♦ Identity theft is now ranked the FASTEST growing crime in America.

♦ The average victim spends hundreds of hours in the process of restoring their identity.

♦ 3.5 million children have already fallen victim to identity theft in the United States.

Identity theft is a serious problem!

About

60 Secondsto find out that you’re a victim of

identity theft

An average of

600 Hoursto restore your

identity

It takes…

Only 17% of identity theft deals with credit cards, yet most solutions available in the market only provide protection and monitoring of your credit.

There are SIX major types of identity theft:

CREDIT

MEDICAL

DRIVER’S LICENSE

CRIMINAL

SOCIAL SECURITY

MINOR

IDShield provides the following services for each covered member:♦ Credit Analysis♦ Identity Consultation Services♦ Email Notification of Credit Changes♦ Quarterly Credit Score Tracker♦ 24/7/365 Emergency Access♦ Identity Restoration by Licensed Private Investigators♦ Data Breach Notifications♦ Address Change Verification♦ Payday Loan Monitoring♦ Minor Identity Protection♦ Five Million Dollar Service Guarantee

It’s good to have a smoke alarm in your home.

IDShield provides daily monitoring and complete restoration of your identity!

It’s better to have a fire department that can put out the fire and a construction company that can re-build any damage to your home.

IDShield is offered exclusively by Kroll Fraud Solutions Group

♦ World’s leading risk consulting company

♦ Founded in 1972 by Jules Kroll

♦ Headquartered in New York

♦ Operates in 65 cities and 33 countries with over 3,800 employees

♦ Kroll maintains superior expertise in monitoring credit and restoring the lives of identity theft victims.

Your Identity Is Your Business Protecting It Is Ours.

Have you ever: ♦ Been treated unfairly?♦ Tried to return a defective product?♦ Received a traffic ticket?♦ Been audited by the IRS?♦ Been overcharged for a repair?♦ Lost a security deposit?♦ Signed a contract?♦ Purchased a home?♦ Prepared a will?

Would you agree that the rich have better legal access than the poor?

Another major problem facing Americans today is the high cost of legal access.

Pretend for a minute that you are my attorney.

I’m going to list some legal services that I want you to provide for me and my family.

Instead of charging me your regular hourly rate of $100 or more, I want you to charge me a flat monthly fee.

1. Give me telephone access to your firm for an unlimited number of personal legal questions.

2. Write a letter or make a phone call on my behalf on any subject matter when you determine it’s in my best interest to do so.

3. Review my contracts and documents of up to fifteen pages before I sign.

4. Prepare and annually update my Last Will and Testament and my Living Will.

5. Be available 24/7 in the event of a legal emergency.

How much would you have to charge me for all of these services on a FLAT MONTHLY FEE?

1. Consultation

2. Letters and Phone Calls

3. Review of Contracts

4. Will Preparation

5. 24/7 Emergency Access

$_______________Flat Monthly Fee

If I could show you how to get all of these services for less than $1.00 a day…

wouldn’t you want to take advantage of it?

That’s exactly what a LegalShield membership provides! And much, much more!

LegalShield gives you the ability to talk to an attorney on any matter without worrying about high hourly costs.

For one flat monthly fee, you can access legal advice, no matter how traumatic or trivial the issue.

That’s why under the protection of LegalShield you and your family can live your life worry-free, every day, every night, now and forever.

♦ Toll-Free Telephone Consultation

♦ Letters and Telephone Calls

♦ Legal Contract & Document Review

♦ Access to Legal Forms Online

♦ Preparation of Your Last Will and Testament

♦ Preparation of a Health Care Power of Attorney

♦ Preparation of a Living Will

♦ Includes Family Members

♦ Annual Updates

♦ Assistance With Moving Violations Anywhere in the US

♦ Driver’s License Services

♦ Defense of Some Criminal Charges

♦ Personal Injury and Physical Damage Collection

So let’s look a little closer at the amazing benefits LegalShield members receive...

♦ Trial Defense of Civil Actions

♦ Pre-Trial and Trial Assistance

♦ Coverage Increases Each Year for the First Five Years

♦ IRS Audit Services

♦ Residential Loan Preparation

♦ Uncontested Name Change and Adoption Assistance

♦ Uncontested Separation and Divorce Representation

♦ 24/7 access to the provider law firm if you are ever arrested, detained, or served with a warrant

♦ 25% discount from the attorney’s standard hourly rates for services not covered under the membership

In addition, you will receive the following:

♦ For business owners, consultants, and landlords

♦ Legal coverage

♦ Phone consultation

♦ Business document review

♦ Collection letters

♦ Only $9.95 a month

The following supplements are also available:

♦ Provides an additional 100 hours of trial defense

♦ 25 additional hours of pre-trial time

♦ 75 additional hours of trial time

♦ Only $9.95 a month

HBSHOME BUSINESS SUPPLEMENT

TDSTRIAL DEFENSE SUPPLEMENT

Your membership includes legal access for you, your spouse, and qualified dependents.

LegalShield gives you access to one of the largest law firm networks in the world! This network is paid in excess of 100 million dollars a year.

Imagine having world-class identity theft protection AND access to the largest attorney network in the world for less than the cost of a bottle of water a day!

RATES & PLAN OPTIONS

Personal Plans Family Plans

This plan covers an individual and provides no family coverage.

This plan covers a member, their spouse or significant other, and qualified dependents.

LegalShield Only:$17.95 a month

LegalShield Only:$19.95 a month

IDShield Only:$9.95 a month

IDShield Only:$19.95 a month

LegalShield & IDShield:$27.90 a month

LegalShield & IDShield:$39.90 a month

These rates are not available in all states.

RATES & PLAN OPTIONSThese rates are for Nevada, Tennessee, Florida, and Massachusetts.

Personal Plans Family Plans

This plan covers an individual and provides no family coverage.

This plan covers a member, their spouse or significant other, and qualified dependents.

LegalShield Only:$17.00 a month

LegalShield Only:$17.00 a month

IDShield Only:$9.95 a month

IDShield Only:$19.95 a month

LegalShield & IDShield:$26.95 a month

LegalShield & IDShield:$36.95 a month

PAYMENT OPTIONS

1. Debit or Credit Card Draft

2. Checking Account Draft

3. Savings Account Draft

Which would you prefer?

Who do you know with teenage drivers?Who do you know who is self-employed?Who do you know who has recently married?Who do you know who is recently divorced?Who do you know who does online transactions?Who do you know who has legal issues right now?

PEOPLE HELPING PEOPLE

Letters & Phone Calls: Your provider law firm will write one letter or make one phone call on your behalf for each subject matter when they determine it’s in your best interests. For your personal legal needs, the total number of subjects is unlimited.

Contract & Document Review: Fax or mail contracts or documents of up to 15 pages to your provider law firm, and an attorney experienced in that area of law will advise you of your legal rights and also recommend changes to help protect you!

Trust Preparation: Trust preparation is available to you at the preferred member discount. Minor trust preparation is included in the membership.

Motor Vehicle Legal Services: Legal services under this benefit go into effect 15 days after your enrollment date and will be provided at no additional charge as long as your case is considered to have merit by your provider law firm, you are properly licensed, and are driving a properly licensed and insured vehicle with no more than 2 axles, and the incident does not involve charges of hit-and-run, leaving the scene of an accident, or drug or alcohol-related charges.

24/7 Access: It does not cover cases involving allegations of alcohol use, stalking, or domestic violence.

Trial Defense Legal Services: This benefit provides you and your spouse with legal defense of some civil lawsuits. Other items not covered under this benefit are appeals, garnishments, preexisting conditions, alcohol and drug related matters, allegations of hit-and-run and leaving the scene of an accident, and commercial vehicles.

IRS Audit Legal Services: IRS legal services may be used beginning with the tax return due on April 15th of the year your membership is effective. Exclusions include tax fraud and evasion, class actions, post-judgment relief actions, appeals, garnishments, preexisting conditions, and business and corporate returns.

Preferred Member Discount: This benefit offers you a significant discount for assistance with issues such as bankruptcy, divorce, child custody issues and other family law issues, as well as all exclusions under other portions of your plan—in essence, anything not specifically covered by your other plan benefits. You can, however, discuss these issues with your provider law firm under your Legal Consultation and Advice benefit. Should you decide to retain an attorney for assistance, you can rest easier knowing you’ll receive the services of a quality, reputable law firm at a significant savings!Please note that your provider law firm must have 5 business days’ notice prior to a court date to prepare for representation, and a retainer fee normally will be required before services can be rendered under this benefit.

General Provisions: Costs such as fines, court costs, penalties, expert witness fees, bonds, and out-of-pocket expenses are your responsibility and are not included as part of your membership benefits. LegalShield will not influence or attempt to modify how your Provider Law Firm provides their professional services. Legal services under your plan contract may not be used against LegalShield, or its subsidiaries.

Identity Restoration: This 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 preexisting, known stolen identity event. You must be an active member to receive restoration services. Plan benefits do not cover financial losses arising from the identity theft.

ADDITIONAL INFORMATION & EXCLUSIONS

Due to regulatory requirements, benefits and rates vary in certain states and provinces. 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 plan coverage; only a plan contract can give actual terms, coverage, amounts, conditions and exclusions.