Contents

• Equal Access? What does it mean?
• Preventive Legal Services
• Other Legal Services
• Questions and Answers
• Additional Information
• How can I get this plan?

Let me ask you, if you needed a lawyer today, what would you do? Call a lawyer recommended by a friend, pick up the Yellow Pages, or maybe you have a lawyer in the family?

When you finally get in touch with a lawyer, what is the first question you ask? That is right! How much this will cost me?

Far too often, protecting your legal rights is a financial decision. That is a sad statement about our legal system, a system, where the access is not equal. It is usually only granted to people with a lot of money, or given to people with no money. Unfortunately, this system effectively excludes 80% of us from getting a legal advice and protection we need.

Well, PPL Legal Care of Canada Corporation is changing the system. Since 1999 we have been successfully providing middle income Canadians equal access to the legal system. Our parent company has been having the same success since 1972 and now it is a publicly traded company on New York Stock exchange with more than 100 million dollars in corporate assets and more than 34 quarters of record setting growth. It is a proven company with a proven product, a product that gives everyone the opportunity to use the services of a lawyer whenever they need to.

Most people cannot call a lawyer when they need to because of the cost. What PPL does, is level the playing field. We need access to a lawyer to ask simple questions. It is not about being litigious in sewing people, it is about letting the people know what their rights are in any given situation.

The bottom line is: a phone call away you can have this peace of mind and security to protect you and your family. It is about having access to a system, that we have never been able to access before.

You may be thinking: That sounds good, but I have never needed a lawyer. While, there is a small chance that this statement is true, it is probably much more accurate to say: I have never used a lawyer before. Just because you did not use one, does not mean you did not need one. In fact, according to the Canadian Bar Association, one in three Canadian families who need legal help each year, recoil from hiring a lawyer because of the cost. At the same time, statistics says, that 52% of families in North America have a legal situation right now.

So, what qualifies as a "legal situation"? Well, it is important to note, that you do not have to be in trouble with the law to need a lawyer. Wealthy people do not pay top dollars to their lawyers because they break the law. They pay for it, because access to a lawyer is the key to making better personal and financial decisions and to protecting themselves and their families. Now, you can have equal access to a lawyer for less than a dollar a day with a ppl legal care corporation membership.

Many people do not realize how often legal issues come to them, but they do not see them. People will know their rights with the help of this Membership. When you know your rights, you have power.

1. Toll Free Phone Consultations on unlimited number of matters
As a member, you can consult with your Provider Law Firm toll-free by phone on any legal matters - personal or business related. Just call your Provider Law Firm’s toll free numbers during regular business hours when you have a legal problem or question.

2. Phone Calls and Letters
You lawyer can write letters or make telephone calls on your behalf. It is amazing, how quickly conflicts can be resolved when your lawyer sends a letter or makes a call. Your Provider Law Firm will write one (1) letter or make one (1) telephone call per subject matter on your behalf.

Business matters are also covered under your membership! You will receive one (1) phone call or letter for up to two (2) non-related business matters per membership per year.

3. Will Preparation

As a Member, you no longer have to worry about the cost or hassle of preparing and updating your Will. Your Provider Law Firm will prepare a standard will for you and will provide yearly review and updates at no additional charge.

4. Powers of Attorney Preparation

In connection with the Will preparation benefit, your Provider Law Firm will prepare the appropriate Power of Attorney documentation for you at no additional charge, so that your care and financial needs may be looked after while you are alive.

5. Contract and Document Review.

You can have and unlimited number of personal legal documents up to ten (10) pages each reviewed by your Provider Law Firm. You can also have (1) business legal document of (10) pages or less reviewed each membership year. Any such documents must name you as a contracting party. Your Provider Law Firm will analyze the documents and, when possible, suggest changes before you sign it.

6. Warranty Assistance

Need help enforcing written or implied warranties on goods you have leased or purchased? Your Provider Law Firm will make a phone call or write a letter on your behalf to help enforce your rights.

7. Review of Lease Agreement

A properly worded or executed lease is your best protection in landlord/ tenant disputes. Let your Provider Law Firm review the lease on your primary residence before you sign it.

8. Help With Contacting Government Agencies

Confused about which Government agency to talk to about a particular issue? Call your PPL Provider Law Firm for assistance.

9. Debt Collection Assistance

Having problem collecting debts owed to you? Your Provider Law Firm will make a phone call or write a letter on your behalf to help you recover any outstanding debts.

10. Tenant Legal Advice

If you are a tenant, you will receive a legal advice for the following issues:

• lease of property for personal use
• problems arising with landlord’s failure to provide proper and necessary services to the tenant.

11. Small Claims Court Advice

If you need to file a claim or are sued in Small Claims Court, your Provider Law Firm will discuss your case with you by phone and will provide advice in preparing your case.

12. Consumer Protection Assistance

Your Provider Law Firm will explain your rights and write a letter or make a phone call on your behalf to a third party when you need to enforce your rights relating to the lease or purchase of goods or services.

13. Social Assistance Legal Advice

As a Member, your Provider Law Firm will advise you on matters involving social assistance.

14. Estate Settlement Legal Advise

Help ease the worry so often involved with the settlement of an estate by having your Provider Law Firm available to answer questions.

You will receive a 25% discount off your Provider Law Firm standard hourly rate should you need legal services not otherwise covered by this plan. You will receive a 33.3% discount off your Provider Law Firm’s standard hourly rate for representation should you need legal services that must be performed outside a lawyer’s office (in court). Hourly rates for Provider Law Firms and court appearances may vary. Please, note that a retainer may be required for services to be rendered under this benefit. At least 5 business days are required for preparation in court representation. Telephone advise is available immediately.

How Does a Prepaid Legal Plan Work?

A PPL plan is a low-cost legal solution for individuals and families. Many of the legal services encountered by you and your family are already covered through your membership in our plan. Through a low monthly membership fee, you have access to top-quality lawyers to help resolve your legal issues and answer your legal questions.

How Much Does It Cost To Have Your Family Protected?

Membership is $25 per month in Ontario.

How Can You Offer Such Low Rates for High Quality Legal Services?

Our experience, longevity, and proven track record with more than a million members over the past quarter of a century have given us the ability to provide access to top quality legal services at prices that are within reach of most middle-income families. In fact, PPL members became the largest client for our Provider Law Firms. Together we pay more than any other client!

Who Is Covered?

• You and your spouse
• Your never-married dependent children under age 21 living at home
• Never-married dependent children under age 18 for whom you are a legal guardian
• Never-married, dependent children to age 23 who are full-time students and
• Any disabled child regardless of age who is chiefly dependent upon you for support.

What Law Firm Will I Use?

Our Company has selected a top-quality, established law firm whose lawyers are members of their Law Society. We carefully screen and monitor the legal services our members receive through surveys we send out to members on a regular basis. You are sure to receive high quality, professional service.

How Do I Use the Plan?

Shortly after you enroll, you will receive a complete PPL Legal Care of Canada member packet and a membership card through the mail. The card includes: a toll-free customer service phone number and your Provider Law Firm’s toll-free phone number. When you have a legal question or problem, simply call your Provider Law Firm directly during regular business hours.

When Does Coverage Begin?

You have access to legal counsel immediately when you enroll.

You Make a Comparison

Seeing is believing. Would you rather pay standard rates or a reasonable amount each month for high quality legal services when you need them? Even if you use your Provider Law Firm only once per year, you will have made a wise investment. Seeing and experiencing is believing…See for yourself the professional and personal service we offer our members.

Phone Calls and Letters:

A letter or phone call per subject matter is available if advisable at your Provider Law Firm’s sole discretion. Additional phone calls and letters for the SAME subject will be provided at a 25% discount off your Provider Law Firm’s standard hourly rate.

Will and Power of Attorney Preparation:

Other covered family members may have their Wills and Powers of Attorney prepared and executed at the offices of the Provider Law Firm for $30 per person. If the wills and powers of attorneys are executed at the offices of other law firms, arranged by the Provider Law Firms, the rate for the Named Members is $50. If executed by other family members at the same time as the Named Members, will and powers of attorney, the rate is $50 per person; if done at different time, the rate is $75 per person. Yearly reviews and updates follow the same fee schedule as initial wills and powers of attorney. Trust preparation is available at a 25% discount off your Provider Law Firm’s standard hourly rate.

Call to Serguei Totrov’s office to book appointment to receive more information and to sign the contract.

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