Harvard Risk Management Career Opportunity

Harvard Risk Management Corporation www.harvardbenefits.com

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 plans as a voluntary employee benefit to companies. The training includes online and 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 open and there are no geographic restrictions. When meeting with business owners or deci-sion makers you use a high quality proposal or a PowerPoint presentation.

Companies are very receptive to the services we offer and typically one out of five compa-nies that we present our benefits to offer them to their employees. During the enroll-ment process an average 50 -70% of the em-ployees participate in the benefit through a voluntary payroll deduction. The enrollment presentation takes approximately fifteen min-utes.

The plans offered employees costs $25.90 a month which includes the legal plan for the employee, their spouse, and qualified de-pendants and the Identity Theft Shield for the employee and their spouse. They can also purchase these plans separately.

BENEFITS INCLUDE:

Lifetime Renewal Income

Paid Daily By Direct Deposit

Company Paid Trips

No Geographic Restrictions

No Quotas or Caps

Excellent Training & Support

Unlimited Market Potential

Set Your Own Hours

No Inventory or Collections


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-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 of charge by the company.

The most attractive part of this business is the fact 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.

YourSuccessIs OurGoal!

On Average A New $100,000 Earner Is Developed Every 11 Days!


Company Information

In Business since 1993

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

Committed to the Financial Success of Every Associate

TM

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

Over 35,000 Active Clients

KROLL

Pre-Paid Legal Services, Inc.

Kroll is the World’s Leading Risk Consulting Company

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 employees worldwide

2007 Revenues $1 Billion

Kroll is an expert in monitoring your identity and clean-ing up data when you become a victim of identity theft

Your Identity IsYour Business.

Protecting It Is Ours.

®

TM

Employee Benefit Specialist


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 Income55 $181 $10,000 $120,000100 $181 $18,000 $216,000150 $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 Income1000 $52.30 $52,0002000 $52.30 $104,0003000 $52.30 $156,0005000 $52.30 $261,00010,000 $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.

A solution to the fastest growing crime in America!


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 Shield™

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 by someone else i.e. using a fraudulent driver’s license to write bogus checks or receive a DUI.

Common Areas of Identity Theft

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

Credit Report

Continuous Credit Monitoring

Fraud Restoration Service

Harvard Risk Management Career Opportunity

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