SAVINGS EXAMPLES

Prices are subject to change without notice and may vary by region.

STATISTICS

A survey conducted by the legal web site FindLaw found that only 44.4% of American adults currently have a will; 53.3% said they do not have a will, while 2.2% did not know or had no response.
- FindLaw survey, Most Americans Still Don’t Have a Will, August, 2002

Nearly one out of every five Americans faced a legal issue within the last year.
- FindLaw survey, One in Five Americans Faced a Legal Issue in the Past Year, August, 2002

The top five legal issues faced by Americans during the last year are:

• Real Estate (buying/selling, property disputes, landlord-tenant disputes, etc.) at 21% Family Law (divorce, child custody, etc.) at 17% Estate Planning (wills, trust, settling of estates, etc.) at 12% Personal Injury at 11%
• Traffic Violations at 8%

- FindLaw survey, One in Five Americans Faced a Legal Issue in the Past Year, August, 2002
Personal injury, property damage, and wrongful death filings accounted for 77,205 cases in California alone between 2000 and 2001.
- Judicial Court of California, 2002 Court Statistics Report

1,539,111 non-business bankruptcy cases were filed in 2002, accounting for 97.6% of all 2002 bankruptcies.
- Administrative Office of the U.S. Courts, Record Breaking Bankruptcy Filings Reported in Calendar Year 2002, 2/14/2003.

The average hourly rate of attorneys in the state of Texas was $197 in 2000.
- State Bar of Texas Department of Research and Analysis 2001 Hourly Rate Report

Legal CARE DIRECT FAQ

Q. Can members change attorneys, for whatever reason?
A. Yes, at any time, for whatever reason and as often as needed. Members are not restricted in any way. Simply call the toll-free number on the back of the membership card for a new referral to a participating attorney anytime.

Q. What happens if a member moves to another part of the country?
A. The member should call the toll-free number on the back of the membership card and he/she will be assigned to another network attorney. With a network of 20,000 attorneys in all 50 States, Puerto Rico and the U.S. Virgin Islands, members will always have their legal needs taken care of.

Q. What is excluded or not eligible under the plan?
A. Nothing. Since the plan is not an insurance policy, there are no pre-existing conditions, exclusions, waiting periods or usage limitations. All areas of law are eligible for the discounts; including but not limited to, simple traffic offenses to more complicated custody, criminal and civil suits.

Q. What are some of the benefits?
A. As a plan member, the attorney will provide:Eight free services, such as the preparation of a simple will (along with annual updates), unlimited consultation per new legal matter, review of important legal documents per new legal matter (six page max.) and many others.Eight deeply discounted services, such as $275 for a simple divorce, $750 for filing Chapter 7 bankruptcy, $250for a real estate closing, to name just a few.An extended service and in-court representation is available for no more than $125 per hour. This is a tremendous savings over the national average of $210 per hour.Contingency fees (if any) are at a 10% reduction of the state's maximum rate, or the attorney's usual rate, whichever is lower.

Q. Are family members eligible to receive these services?
A. Yes. This benefit may be used by members, their spouse and all legal dependants residing in the member’s household up to the age of 25.

Q. Why are legal services needed?
A. Attorneys are needed in various cases, including:

• If the member is married and/or has children but does not have a will When buying a home When contemplating divorce When dealing with child custody issues When confronted with overwhelming debt
• To review any lease or rental agreement