RECEIVED
APR 19 2:03PM
DEPARTMENT OF STATE
OF COLORADO

ARTICLES OF INCORPORATION
OF
AMERICAN PRE-PAID LEGAL SERVICES, ICN.

I, the undersigned, natural person of the age of
18 years or more, acting as incorporator, of a
corporation under the Colorado Corporation Code,
hereby adopt the following Articles of
Incorporation for such corporation:

FIRST:  The name of the corporation is AMERICAN
PRE-PAID LEGAL SERVICES, INC.

SECOND:  The period of duration of the Corporation
shall be perpetual.

THIRD:  The purpose or purposes for which the
corporation is organized is the transaction of all
lawfull business for which corporations may be
incorporated pursuant to the Colorado Corporation
Code.

FOURTH:  The aggregate number of shares which the
corporation shall have the authority to issue is
10,000,000.  Said stock shall consist of one
class, namely common, and each share shall have a
1 cent par value.  All stock shall have voting
powers.

FIFTH:  Cumulative voting shall not be permitted.

SIXTH:  Pre-emptive rights are denied all
shareholders.

SEVENTH:  The address of the initial registered
office of the corporation is 221 East 29th Street,
Suite 204, Loveland, Colorado, 80537;  and the
name of its registered agent at such address is
Garwood G.C. Trenor.

EIGHTH:  The addressor the place of business of
the corporation is 221 East 29th Street, Suite 204,
Loveland, Colorado, 80537.

NINTH:  The number of directors constituting the
Board of Directors shall not be less than 3 nor
more than 7 Directors as the stockholders may
determine from time to time, and who shall be
elected in accordance with the By-laws of the
corporation.  The names and addresses of the
persons who are to serve as the Directors until


the first annual meeting of the stockholders of
the corporation, or until their successors are
elected and shall qualify are:

Name                    Address
----                    -------

Garwood G.C. Trenor     2155 W. Eisenhower Blvd.
                        Apt. 218-A
                        Loveland, Colorado  80537

J.R. Wilkenson          3040 Glendevey Drive
                        Loveland, Colorado  80537

Herman H. Larsen        2154 W. 19th Street
                        Apt. 422-C
                        Loveland, Colorado  80537

TENTH:  The name and address of the incorporator
is:

NAME                    ADDRESS
----                    -------

Garwood G.C. Trenor     2155 W. Eisenhower Blvd.
                        Apt. 218-A
                        Loveland, Colorado  80537

Dated this 19th day of April, 1983.

Garwood G.C. Trenor

STATE OF COLORADO
COUNTY OF LARIMER

I, Judith E. Felton, a Notary Public, hereby
certify that on the 19th day of April, 1983,
personally appeared before me Garwood G.C. Trenor,
who being first duly sworn by me, severally
declares that he is over the age of 18 years and
the person who signed the foregoing document as
incorporator and that the statements therein
contained are true.

IN WITNESS WHEREOF, I have hereunto set my hand
and seal this 19th day of April, 1983.

Judith E. Felton
Notary Public
P.O. Box  642
Loveland, CO  80539

My commission expires:  July 9, 1984.