Associate Position Overview

Thank you for taking some time and looking

into a career with Harvard Risk Management
Corporation™. Our company has been mar-
keting legal plans as an employee benefit for
over fourteen years. Recently we have added
the Identity Theft Shield™ to our portfolio
This plan is offered exclusively through Kroll.
With this new addition, our company has ex-
perienced phenomenal growth and we are
now expanding into several new market ar-
eas. As an associate with the company you
would be fully trained on the process of mar-
keting legal and identity theft protection
BENEFITS INCLUDE:
plans as a voluntary employee benefit to
companies. The training includes online and  Lifetime Renewal Income
DVD training, a two-day group certification
class, and field training in your local market.
There is no limit to the size of groups you can  Paid Daily By Direct Deposit
open and there are no geographic restrictions.
When meeting with business owners or deci-
sion makers you use a high quality proposal
 Company Paid Trips
or a PowerPoint presentation.
Companies are very receptive to the services  No Geographic Restrictions
we offer and typically one out of five compa-
nies that we present our benefits to offer  No Quotas or Caps
them to their employees. During the enroll-
ment process an average 50 -70% of the em-
ployees participate in the benefit through a  Excellent Training & Support
voluntary payroll deduction. The enrollment
presentation takes approximately fifteen min-
utes.  Unlimited Market Potential
The plans offered employees costs $25.90 a
month which includes the legal plan for the  Set Your Own Hours
employee, their spouse, and qualified de-
pendants and the Identity Theft Shield for the  No Inventory or Collections
employee and their spouse. They can also
purchase these plans separately.

Harvard Risk Management Corporation www.harvardbenefits.com

 Associate Position Overview
Last year Pre-Paid Legal Services, Inc. paid out
over 134 MILLION Dollars in commissions to their
associates. Our goal is to develop over 1000 indi-

Your
viduals that will earn over $100,000 a year or more
and we are well on our way with a new $100,000
income earner being created, on average, every
eleven days! Most associates work from the con-
venience of their home office. However, you are
welcome to establish an office location in your local
area. Brochures and applications are replaced free
Success
of charge by the company.

The most attractive part of this business is the fact

Is Our
Goal!
that you are paid a renewal commission for the life
of the membership. Because you are earning re-
newals on every active membership you can be get-
ting paid ten years from now on work that you are
doing today. The only requirement to be vested
with your renewals is to maintain your personal
membership.
Through our benefit association we offer group rate
health insurance, dental plans, and many other
popular benefits.

On Average A New $100,000 Earner Is Developed

Every 11 Days!

Harvard Risk Management Corporation www.harvardbenefits.com

 Company Information

 In Business since 1993


TM
Over 3500 Certified Risk Management Consultants in
North America
 64 Offices in US, Corporate Offices, Dallas Texas
 Benefits Offered To Thousands of Businesses and
Associations Nationwide
 Specializing In Corporate Compliance & Identity Theft
Solutions
 Excellent Training Program and National Sales
Support System
Employee Benefit Specialist  Committed to the Financial Success of Every Associate

 Founded by Harland C. Stonecipher in 1972

 Publicly Traded on the New York Stock Exchange
 #5 on the Forbes 200 Best Small Companies List
 Ranked in the Forbes 200 Best List 6 of the Last 10 Years
 # 29 on the Fortune 100 Fastest Growing Companies
 Corporate Offices in Ada, OK has Over 850 Employees
 Over 1.5 Million Members in North America
 15 Year Stock Gain 4,382% (USA Today August 2007)
 National Network of Professional Law Firms Who Were
Paid in Excess of 100 Million Dollars in 2007
®
Pre-Paid Legal Services, Inc.  Over 35,000 Active Clients

 Kroll is the World’s Leading Risk Consulting Company

KROLL
TM
 Founded by Jules B. Kroll a former CIA Executive in
1972
 Headquartered in New York and Publicly Traded
(NASDAQ—KROL)
 Operates in 65 Cities and 33 Countries, Employs Over
3800
 A Subsidiary of Marsh-McLennan (MMC) The Nation’s
Largest Risk Management Company with over 57,000
Your Identity Is employees worldwide
Your Business.  2007 Revenues $1 Billion
Protecting It Is Ours.  Kroll is an expert in monitoring your identity and clean-
ing up data when you become a victim of identity theft

Harvard Risk Management Corporation www.harvardbenefits.com

 Income Overview

There are THREE income streams available to associates. All income is

paid directly by Pre-Paid Legal Services, Inc. through an independent
associate agreement via direct deposit.

1. ADVANCED COMMISSION:
On a $25.90 plan an associate is paid between $74.73 and $181.82 de-
pending on their commission level. After 125 membership sales you are
paid $149.44 commission per sale and if you produce over 38 sales a
month you are paid $181.82. Commissions are paid daily by direct de-
posit usually within 24 hours of submitted business. Here is a sample of
your potential advanced commission:

Plans Per Month $/ Per Sale Mo. Income Annual Income

55 $181 $10,000 $120,000
100 $181 $18,000 $216,000
150 $181 $27,000 $325,000

2. LIFETIME RESIDUAL INCOME:

The most attractive part of the compensation plan is the fact that you re-
ceive a lifetime residual commission on every active membership. At the
top commission level the annual renewal is $52.30. Renewals are paid
monthly after the member has been active for 36 months. There is no
production requirement in order to maintain your residual income. Here
is a sample of your potential income on renewals alone:

Active Memberships Annual Renewal Annual Income

1000 $52.30 $52,000
2000 $52.30 $104,000
3000 $52.30 $156,000
5000 $52.30 $261,000
10,000 $52.30 $523,000

3. BONUSES:
The first month you produce 38 membership sales you can receive a
$2500 cash bonus! The company also offers a car bonus of up to $500 a
month and an annual company paid vacation. See the Players Club rules
for details on car bonuses and trips. There are over one million dollars
worth of additional bonuses and incentives available to every associate.

These incomes samples are for illustrative purposes only. Actual income amounts are based on many factors.

Harvard Risk Management Corporation www.harvardbenefits.com

 IDentity Theft Shield™
 Currently the Nation’s Fastest Growing White Collar Crime
 Over 27,000 Victims Every Day
 Average Victim Spends 600 Hours in Restoring Their
Identity
 Over 20% of Americans have had their Identity breached in
the last 24 months**
 Most solutions simply deal with monitoring or a persons
credit and not restoring their identity
 Over 100 MILLION personal records have been
compromised in just the last 24 months! **
 The number one complaint to the Federal Trade
Commission in 2007 was identity theft
** As of August 2008

IDentity Theft is not just about your credit! In fact, most identity theft has
nothing to do with your credit or credit score. The five most common types of
identity theft are:

1. Credit Over 28% of identity theft deals with credit card fraud. It can take
years to restore credit ratings and negative information on your credit
file.
2. Diver’s License If someone gets a fraudulent drivers license with your
information, they can open up bank accounts, write checks, make large
purchases including real-estate and automobiles.
3. Employment Someone with your identity can gain employment and
cause havoc with social security and the IRS
4. Medical This is the fastest growing area of identity theft. A person uses
your identity to obtain medical services or produces a fraudulent medical
insurance card.
5. Criminal & Character A person can actually commit a crime using your
identity. People are arrested every day and the crime has been committed
Common Areas of Identity Theft by someone else i.e. using a fraudulent driver’s license to write bogus
checks or receive a DUI.

Credit Report

Continuous Credit Monitoring

A solution to the fastest Fraud Restoration Service

growing crime in America!

Summary of Benefit Only See membership policy for complete details, limitations and exclusions.

Harvard Risk Management Corporation www.harvardbenefits.com

Harvard Risk Management Corporation www.harvardbenefits.com