Is there an income gap between your current take home pay and the income needed to achieve your desired goals and dreams? Then this may be the opportunity you have been looking for. This is not a get rich quick opportunity.

4. Just the Facts $0.02 $0.08 $0.04 $0.16 $20.48 $2,621.44 $1,310.72 $10.24 $5.12 $655.36 $20,971.52 $163.84 $1.28 $0.64 $5,242.88 $40.96 $0.32 $2.56 $327.68 $81.92 $10,485.76 $41,943.04 $83,886.08 $167,772.16 $335,544.32 $671,088.64 $1,342,177.28 $2,684,354.56 $5,368,709.12 $10,737,418.24 For illustrative purposes only. Not intended to demonstrate the growth potential of any specific investment. Sunday Monday Tuesday Wednesday Thursday Friday Saturday 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31

6. What Is Quality of Life? More … Time More … Money In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person.

8. Which One Seems More Like Freedom? Your Life Revolves Around Your Job Your Business Revolves Around Your Life Your Job Your Life

10. How Do Most People Make Their Money? Control of TIME. Control of MONEY. Self-Employed Owns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson. Control of TIME. Control of MONEY. Investor Has money working for them. Enjoys complete freedom and lives the dream. The Cash Flow Quadrant, CASH FLOW Technologies, used with permission. The Cash Flow Quadrant and ESBI are trademarks of CASH FLOW Technologies Inc. For information purposes only. Not for any product solicitation. Employee Has a job. Income based on position, not the person. Business Owner Owns a system. Has others working for him/her. Unlimited income potential via manufacturing, marketing, etc. No Control of TIME. No Control of MONEY. Limited control of TIME. Limited control of MONEY.

12. There Are Two Reasons People Don’t Start a Business: 2. Money 1. Ideas

13. Starting a Business In Primerica , you are in business FOR yourself, but not BY yourself!

14. Primerica Listed on the New York Stock Exchange (PRI)

18. We Are the Largest Independent Financial Services Marketing Organization in North America 1 Size of life sales force (2009) 2 Aflac U.S. licensed sales associates 3 Estimated number of licensed sales professionals 4 Number of agents as of December 31, 2008 per the company Web site; accessed January 10, 2010 5 Total number of sales representatives 6 Number of producing exclusive agents as of September 30, 2009 7 Global representatives 8 Number of financial advisors 9 Estimated number of financial advisors per the company Web site; accessed February 25, 2010 10 Total financial advisors 11 Estimated number of financial advisors per fourth quarter 2009 report Primerica 1 Aflac 2 Allstate 3 State Farm 4 MetLife 5 Torch mark 6 MSSB 7 BAML 8 Edward Jones 9 Ameri prise 10 Raymond James 11 Insurance Agents Brokers Financial Advisors 5.3 12.0 12.5 15.0 18.1 7.5 12.6 17.6 32.0 75.3 100.0 Sales Force (in thousands)

20. Primerica Legal Protection Program Life Insurance Annuities Debt Solutions Legal Protection Long Term Care Auto & Home Insurance Referral Program Mutual Funds Quotes from such companies as: Travelers Safeco Progressive Primerica DebtWatchers™ Offered by Primerica Client Services, Inc. through contractual agreement with

25. You’ll Earn A Fortune In Your Lifetime What you will earn over a 40-year career: If you make: If you AND your spouse each make: $30,000 $1.2 Million $40,000 $1.6 Million $50,000 $2 Million $30,000 $2.4 Million $40,000 $3.2 Million $50,000 $4 Million

26. It’s Not What You Make, It’s What You Keep. To have $1 million at age 65, would you rather save: $158/month from 25-65 $1,000,000 This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns. 25 65

27. It’s Not What You Make, It’s What You Keep. $1,000,000 25 $442/month from 35-65 65 To have $1 million at age 65, would you rather save: This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns. 35

28. It’s Not What You Make, It’s What You Keep. $1,317/month from 45-65 35 65 $1,000,000 To have $1 million at age 65, would you rather save: 25 This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns. 45

29. It’s Not What You Make, It’s What You Keep. $4,882/month from 55-65 45 65 $1,000,000 To have $1 million at age 65, would you rather save: 35 25 This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns. 55

30. It’s Not What You Make, It’s What You Keep. 45 55 65 $12,914/month from 60-65 $1,000,000 To have $1 million at age 65, would you rather save: 35 25 This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns. 60

31. It’s Not What You Make, It’s What You Keep. 45 55 Too Late at 65 $1,000,000 35 25 60 65

32. Money Management Mistakes: Not Understanding How Money Works

33. Bypass the Middleman Banks, Credit Unions, Insurance Companies = Historically Low Rates of Return Traditional Financial Institutions CDs and savings accounts are generally FDIC insured up to $250,000. Cash value life insurance offers life insurance components in addition to the investment component.

34. The Rule of 72 This simple calculation gives you the approximate number of years it will take to double your investment. Based on the Rule of 72, a one-time contribution of $2,000 doubles six more times at 12% than at 3%. The table serves as a demonstration of how the Rule of 72 works and is only an approximation of accumulations. It is not intended to represent any specific investment. The chart uses constant rates of return, unlike actual investments, which will fluctuate in value. It does not include fees or taxes, which would lower performance. 3% 12% 6% $4,000 $2,000 $2,000 $2,000 $4,000 $4,000 $8,000 $8,000 $16,000 $16,000 $32,000 $64,000 $128,000 $256,000 $512,000 $32,000 $8,000 0 6 12 18 24 30 36 42 48 Number of Years 3% 6% 12%

35. How Does Primerica Help Families? Household Income $60,000 Mom $30,000 Dad $30,000

36. How Does Primerica Help Families? Household Income $60,000 Mom $30,000 Dad $30,000 Where does it all go? BILLS MORTGAGE DEBT INSURANCE TAXES SAVING GIVING

37. Money Management Mistakes: Overpaying Taxes

38. How Does Primerica Help Families? Household Income $60,000 Mom $30,000 Dad $30,000 TAXES BILLS MORTGAGE DEBT INSURANCE TAXES Where does it all go? SAVING GIVING

39. Taxes Average 2009 tax refund = $2,960 $2,960/12 months = $246/month — USA Today , April 28, 2010 $246 Monthly Overpayment for 35 Years (Age 30-65) If you make: The hypothetical interest rates are for illustrative purposes only and not indicative of a guaranteed rate of return on any investment. Illustrative rates of return are nominal, compounded monthly. 0% interest $103,320 3% interest $182,425 6% interest $350,479 12% interest $1,582,016

40. Taxes Your choice: or IRS? IRA

41. Money Management Mistakes: Debt

42. How Does Primerica Help Families? Household Income $60,000 Mom $30,000 Dad $30,000 Debt Mortgage BILLS MORTGAGE DEBT INSURANCE TAXES Where does it all go? SAVING GIVING

43. The Smart Solution The above example is for illustrative purposes only. 1. The above monthly payment does not include taxes and insurance. 2. Based on the assumption that the present payment program continues on three open-end credit card accounts with balances of $7,570, $8,830, and $5,500 respectively, each with an APR of 18%, 16% and 14.9% respectively, and combined minimum monthly payments of $876 ($303 and $353 and $220 respectively) and one fixed installment car loan with a balance of $15,764, an APR of 6%, a monthly payment of $551, and an original term of 60 months. 3. The above monthly payment does not include taxes and insurance. The payment reflects an annual percentage rate of 5.86% and a note rate of 5.75%. The loan in this illustration includes points and applicable closing costs, which are financed from the loan proceeds. Your actual closing costs and APR may differ. 4. Assumes no additional debt is incurred. Makes available $1,367 a month 4 Refinanced $215,000 for 25 years at $1,353 per month 3 at age 35 Original Loan APR: 7.50% Original Term: 30 years Original Loan Amount: $184,955 Market Value of Home: $269,000 1st Mortgage $175,000 at $1,293 1 (for 25 more years) Personal Debt $37,664 at $1,427 2 Total monthly payments = $2,720

44. The Smart Solution 5. The hypothetical interest rate is for illustrative purposes only and not indicative of a guaranteed rate of return on any investment. Illustrated rates of return are nominal, compounded monthly. 6. This example assumes the payment + 1/12 option is chosen. Acceleration Additional principal payment of 1/12 of your regular P & I payment may result in reducing total time and cost of your mortgage debt. (Reduces a family’s housing debt faster, possibly saves thousands of dollars in interest and may increase borrower cash flow.) $387,100 invested/home and all debt paid off in 15 years Invest $934 a month at 10% for 15 years = $387,100 5 Add $433 6 a month toward payment of principal The total, given a 10% return = $3.55 million 5 Take the $387,100 lump sum and invest with the $2,720 now available each month until age 67

46. The Debt Stacking Concept* $353 $551 $303 $1,293 $2,720 $551 $303 $1,293 $2,720 $303 $1,293 $2,720 $1,293 $2,720 * The above example is for illustrative purposes only. The Debt Stacking concept assumes that: (1) you make consistent payments on all of your debts, (2) when you pay off the first debt in your plan, you add the payment you were making toward that debt to your existing payment on the next debt in your plan (therefore you make the same total monthly payment each month toward your debts) (3) you continue this process until you have eliminated all of the debts in your plan. In the example above, when the retail card 1 is paid off, the $220 is applied to credit card 2, accelerating its payment to $573. After credit card 2 is paid off, the $573 is applied to car loan for a total payment of $1,124. The process is then continued until all debts are paid off. Note that the total payment per month remains constant. Retail Card 1 Credit Card 2 Car Loan Credit Card 1 Mortgage Total $1,124 $1,427 $2,720 $220 $353 $551 $303 $1,293 $2,720 $573 + $220 + $573 + $1,124 + $1,427

47. The Debt Stacking Concept* * This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns. Without Debt Stacking With Debt Stacking March 2019 182 Months Sooner $130,643 Interest Paid $214,433 Monthly Payments $2,720 $83,789 $2,720 Once debts are paid off at age 35, invest $2,720 each month until age 67 – the total, given a 10% return is $2.87 million.* Payoff Date May 2034 Interest Saved $0

48. Money Management Mistakes: Buying the Wrong Type of Life Insurance

49. How Does Primerica Help Families? Household Income $60,000 Mom $30,000 Dad $30,000 Insurance BILLS MORTGAGE DEBT INSURANCE TAXES Where does it all go? SAVING GIVING

50. The Theory of Decreasing Responsibility Today 1. Young children 2. High debt 3. House mortgage Loss of income would be devastating At Retirement 1. Grown children 2. Lower debt 3. Mortgage paid Retirement income needed How Life Works

51. How Does Primerica Help Families? Household Income $60,000 Mom $30,000 Dad $30,000 Where does it all go? BILLS MORTGAGE DEBT INSURANCE TAXES SAVING GIVING

52. How Does Primerica Help Families? Household Income $60,000 Mom $30,000 Dad $30,000 Dad $30,000 Household Income $30,000 Where does it all go? BILLS MORTGAGE DEBT INSURANCE TAXES SAVING GIVING

53. How Does Primerica Help Families? Dad $30,000 Life Ins $300,000 Household Income $30,000 Household Income $60,000 Mom $30,000 Where does it all go? BILLS MORTGAGE DEBT INSURANCE TAXES SAVING GIVING

54. Life Insurance: Cash Value vs. Buy Term and Invest the Difference Nearly THREE TIMES the coverage for $175 LESS per month! Invest the Difference $175 monthly savings invested at 10% for 35 years = $669,948 at age 65 1. Monthly premium is an average of whole life policies from three major North American life insurance companies for male, age 35, standard risk and female, age 33, standard risk. Cash value life insurance can be universal life, whole life, etc., and may contain benefits in addition to a death benefit, such as dividends, interest, or cash value available for a loan or upon surrender of the policy. Whole life usually has a level premium for the life of the policy. 2. Primerica monthly premium for age 35, non-tobacco use for 35 year Custom Advantage policy (C535) and spouse age 33, non-tobacco use for 35 year Custom Advantage rider (C5SR), both with rates guaranteed for 20 years, plus a child rider of $25,000 each on two children, underwritten by Primerica Life Insurance Company, Home Office, Duluth, GA. Term insurance provides a death benefit only and its premiums increase at certain ages. The accumulation figure reflects continued investment at the same rate over 35 years at a 10% nominal rate of return compounded monthly and does not take into consideration taxes or other factors, which would lower results. This example uses a constant rate of return, unlike actual investments, which will fluctuate in value. This is hypothetical and does not represent an actual investment. Death Benefit Before Primerica John $150,000 Mary $150,000 Children $0 Total coverage $300,000 Monthly Premium $298 Changed to Primerica’s Term John $300,000 Mary $300,000 Children $25,000 Total coverage $625,000 Monthly Premium $123 Difference = $175/month!

55. How Does Primerica Help Families? We help Main Street families get the PROTECTION they need at a price they can AFFORD. Insured Cause of Death Death Benefit Before Primerica Death Benefit After Primerica Survived by Male, age 41 Motorcycle Accident $150,000 $643,000 Wife & 2 children, ages 6 & 12 Male, age 26 Iraqi Sniper Fire $0 $400,000 Expectant wife Male, age 34 Shot while on police duty $37,000 $550,000 Expectant wife 1 child, age 3 Female, age 22 Vehicular Accident $0 $250,000 Infant child Female, age 34 Cancer $0 $295,000 Husband & 2 children, ages 4 & 8 Male, age 32 Vehicular Accident $40,000 $200,000 Wife & 3 children, ages 5,10 & 11 Female, age 50 Pneumonia $80,000 $400,000 Husband & son

56. Money Management Mistakes: Overpaying For Other Types of Insurance

58. Invest the $40 Difference Rates of return used in the above illustration are hypothetical and do not represent the returns of an actual investment, which will fluctuate in value. The figures show a nominal rate of return compounded monthly and do not take into consideration taxes or other factors which would lower performance. Rate of Return $139,799 $90,420 12% 10% 8% $59,614 30 years $25,000 $100,000 $50,000 $40 $75,000 $125,000

60. What’s Next? Complete your FNA and begin your own personal program for proper protection, debt freedom & financial independence (if you haven’t already). Set up a time in the next 24-48 hours to:

61. What You Would Make How many people do you want to help? $645 $50 $696 $55 $198 $1,644 $645 $74 $975 $60 $240 $1,994 $1,290 $110 $1,323 $85 $351 $3,159 These estimated earnings are based on the following assumptions: Life — Custom Advantage 35 policy for primary insured, totaling $300,000 (C535) at 35-year-old non-tobacco rates and spouse, totaling $300,000 (C535) at 33-year-old non-tobacco rates, plus a child rider at $25,000 each on two children. Loan — $215,000 $.M.A.R.T. Loan ® . Investment — 12 monthly savings of $934 and $175 monthly saving from the life insurance example into a mutual fund. DebtWatchers — one completed sale. Auto & Home — one completed sale. In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person. Product District Regional RVP Loan Primerica DebtWatchers ™ Life Insurance Auto & Home Investments Total

64. Traditional Brokerage Business $30,000 $90,000 Broker In the Traditional Brokerage Business, who has the best Quality of Life ? You ARE NOT rewarded by helping others get a better quality of life! $180,000 $90,000 Broker Agent $90,000 Agent $60,000 Override Income: Agent $30,000

65. Override Income $350 How many reps do you want to override? Build a team = Override You help 1 family = $1,994 x 2= $700 $2,694 In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person. District Regional RVP Total $1,644 $1,994 $3,127

78. Why People Don’t Join: 6. No ambition or desire to do or have more with your life. 4. Pride 5. Fear 1. Time 2. Money 3. Confidence/Belief Ego

79. What’s Next? Submit your Independent Business Application ( IBA + $99 initial licensing fee, $25/mo. Business Building Support System). The Question All WINNERS Ask!

80. What’s Next? Sit down with your Field Trainer to complete your Fast Track Planner and begin a Game Plan to Build Your Business Set up a time in the next 24-48 hours to:

81. Get Your Business and Your Income off to a Fast Start See Your Field Trainer For Details! Learn how to earn your FAST START BONUSES of $500-$2,000

85. www.primerica.com Important Notes 1 Assumes 20% Base Shop Bonus, average estimated Fast Start Bonus for RVP . 2 Assumes 20% Base Shop Bonus, average estimated Fast Start Bonus for RVP and 20% RVP Team Builders Bonus. 3 Assumes 30% Base Shop Bonus, 30% RVP Team Builders Bonus and average estimated Fast Start Bonus for RVP. 4 Assumes 30% Base Shop Bonus, 30% RVP Team Builders Bonus, average estimated Fast Start Bonus for RVP and 5% NSD Bonus. 5 Assumes 30% Base Shop Bonus, 30% RVP Team Builders Bonus, average estimated Fast Start Bonus for RVP , 5% NSD Bonus and 2.5% SNSD Bonus; overriding 9 first generation bonusable RVPs and 6 second generation bonusable RVPs. Additional Notes In Canada, not all products and services are available in all jurisdictions. No commissions are earned except upon product sales. In Canada, compensation levels noted for products and services may vary by jurisdiction. Premium reflected is Gross Bonusable Premium. Contract advancement is subject to being in good standing with each Primerica Company. Examples assume sales of Custom Advantage 30-year policy, issue ages 26-45, and QBI of 70%. In addition, Builder’s Track Bonus rate assumptions are: Senior Representative - 16%, District Leader - 20% personal and 8.5% over Sr. Rep and Rep, Division Leader and Regional Leader – 8.5% over District, Sr. Rep and Rep, and all Regional Vice President categories (RVP, SVP, NSD, SNSD) - 15%. Base shop overrides for the District Leader assumes one Sr. Rep and one Rep generating $1,250 in premium each; for the Division Leader, assumes one District Leader generating $2,500 in premium and one Sr. Rep and one Rep generating $2,500 in premium each; for the Regional Leader, assumes one District Leader and two Senior Representatives generating $2,500 in premium each; for the RVP and the RVP with one Direct RVP categories, assumes one District Leader and two Division Leaders generating $2,500 in premium each; for the RVP with a $30,000 Base Shop and one Direct RVP, as well as the SVP, NSD, and SNSD categories, assumes three District Leaders, four Division Leaders and four Regional Leaders generating $2,500 in premium each. For below-RVP categories, non-life cash flow examples assume the client continues to pay for the respective products throughout the first year; for RVP and above categories, non-life cash flow examples are based on Company-wide experience for representatives at the stated sales force level. For slides 104-109: Eligibility to earn overrides on loans is subject to meeting state licensing requirements and requirements of Primerica Financial Services Home Mortgages, Inc. Important Earnings Disclosure: The cash flows stated are hypothetical and are not intended to demonstrate the earnings of typical RVPs/representatives. Rather, the cash flows that have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs/representatives do not achieve the levels illustrated. In the 12‑month period ending in December 2009, Primerica’s sales force consisted of approximately 100,000 life‑licensed representatives, to whom the Company paid a total of $515,691,076 in compensation, an average of $5,156 per licensed representative. Average RVP earnings are typically higher. Actual gross cash flow is, among other factors, dependent upon the size and scale of a representative’s organization, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines. Having said this, Primerica provides a tremendous opportunity for individuals who work hard and who desire to develop a business with strong income potential. The Company may from time to time modify, supplement or terminate any compensation program in any manner. Further details are available from Primerica. Life Insurance: In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, New York; in the United States (except in New York), term life insurance products are underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, Georgia; and in Canada, term life insurance products and segregated funds are underwritten by Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario. Primerica Secure: A personal lines insurance referral program in which representatives may refer individuals to Answer Financial Inc. which offers insurance products and services through its licensed affiliates. Primerica, its representatives and the Secure Program™ do not represent any of the insurers in the program. Primerica Legal Protection Program , a legal services contract from PrePaid Legal Services, Inc. Securities: In the United States, securities are offered by PFS Investments Inc., 3120 Breckinridge Blvd., Duluth, Georgia 30099-0001. In Canada, representatives may be sponsored for mutual funds by PFSL Investments Canada Ltd., Head Office: Mississauga, Ontario. Loans: In the United States, loan products are originated through Primerica Financial Services Home Mortgages, Inc., Primerica Financial Services Home Mortgages Limited Partnership of Arizona, and Primerica Financial Services Home Mortgages Limited Partnership of Ohio, EQUAL HOUSING OPPORTUNITY. In Canada, representatives do not offer mortgage broker services, but may refer clients to AGF Trust Company for debt consolidation loans. Primerica DebtWatchers™ : Primerica, representatives of Primerica, Equifax and Primerica DebtWatchers will not act as an intermediary between Primerica DebtWatchers customers and their creditors and do not imply, promise or guarantee that credit files or credit scores will or may be improved, repaired, boosted, enhanced, corrected or increased by the use of the Primerica DebtWatchers product. See http://my.primerica.com or www.primericacanada.ca for additional Important Disclosures. Lending: In the United States, loan products are offered by Primerica Financial Services Home Mortgages, Inc. through affiliated lenders. EQUAL HOUSING OPPORTUNITY. Please see www.primerica.com for Important Disclosures. Primerica DebtWatchers ™ is a trademark of Primerica, Inc. Products not available for purchase by residents of Washington D.C. US/41480/9.10/v8.0/10PFS142