One Company One Revolution One Solution Primerica Enrich™

One Company One Revolution One Solution Primerica Enrich™

American Consumers Owe
In total, American consumers owe $11.36 trillion in debt. $7.93 trillion in mortgages. $1,049.0 billion in student loans. An increase of 11% from last year. $856.9 billion in credit card debt. Tim Chen, “American Household Credit Card Debt Statistics: 2013,” nerdwallet.com, January, 2014.

Debt Trap — Credit Cards
First quarter 2013 existing credit card pay down of $32.5 billion is the lowest pay down in several years. Bill Moak, “Americans Racking Up Credit Card Debt Faster This Year,” Clarion Ledger, June 11, 2013.

Debt Trap — Credit Cards
American consumer debt rose 1.1% to $11.28 trillion in the third quarter of 2013, According to the Federal Reserve Bank of New York. That’s the highest increase in household debt in more than five years! Hitha Pravhakar, “7 Easy Steps to Pay Off Debt,” money.usnews.com, January 16, 2014.

Debt Trap – Credit Cards
Why are families struggling to pay bills? Skyrocketing prices Chronic joblessness Paychecks that fall further and further behind the rising cost of living Bill Moak, “Americans Racking Up Credit Card Debt Faster This Year,” Clarion Ledger, June 11, 2013.

Young Adults Plagued With Debt
Sadly, carrying a lot of credit card and student loan debt raises the self-esteem of young people A survey of young adults age found that the more debt these young respondents carried the more they felt in control of their lives The type of debt doesn’t matter; both credit card and student loans increased their sense of mastery Ohio State University (2011, June 6). “What, me worry? Young adults get self-esteem boost from debt,” Science Daily. Viewed August 21, 2013.

Young Adults Plagued with Debt
Since 1989, student loans have become the second most prevalent debt held among year olds in America. Average student loan debt hovers around $26,000. Wide-range of economic problems associated with student loan debt: Inability to start a retirement fund Delaying starting a family Reduced household spending Suppression of entrepreneurship and small business growth Curtis Tate, “Does Student Debt Spell Trouble for America's Youth,” WallStreetCheatSheet.com, June 29, 2013.

Troubling Debt for Older Americans
A third of older households used credit cards to pay for basic living expenses such as rent, mortgage payments, groceries, or utilities. Half of Americans age 50+ carried medical expenses on their credit cards. A quarter of older households said loss of a job contributed to their credit card debt in the last three years. Amy Traub, “In the Red: Older Americans and Credit Card Debt,” January 2013.

Troubling Debt for Older Americans
Nearly one in five older Americans nearing retirement said they dipped into retirement funds to pay down credit card debt. Older Americans were twice as likely as those under age 50 to take on credit card debt to assist other family members. Credit card debt among older Americans appears to primarily be a reflection of difficult economic times, not a lack of personal financial responsibility. Amy Traub, “In the Red: Older Americans and Credit Card Debt,” January 2013.

Big Banks – Friend or Foe?
Have you ever considered why banks give us such easy access to credit through credit card offers? Because it is how they make their money! Banks make a significant portion of their profits in interest and fees earned from YOUR credit cards. U.S. banks made $38 billion just in overdraft fees in 2009, nearly double those reported a decade before. Saskia Scholtes and Francesco Guerrera, “Banks Make $38bn from Overdraft Fees,” Financial Times, August 9, 2009.

How? They may charge you interest and fees when you carry over a balance from month to month, make a late payment, go over your credit limit or overdraw your bank account. For the first time since the Great Recession hit, American households are taking on more debt than they are shedding. Annie Lowrey, “Rise of Household Debt Might Be Sign of a Strengthening Recovery,” The New York Times, October 26, 2012

Did you know employers use pre-paid debit cards to pay their employees? Banks like the cards because they are laden with fees and are largely unregulated. Payroll Card Fees $7 inactivity fees $.50 to make a purchase using the card $1.75 to make a withdrawal from most ATMs $2.95 for a paper statement $6 to replace a card $25 overdraft fee $1.50 to transfer money from the card to a checking account $10 to close an account Jessica Silver-Greenburg & Stephanie Clifford, “Paid via Card, Workers, Feel Sting of Fees,” NYTimes.com, June 30, 2013.

Did you know colleges and university's use pre-paid debit cards to distribute student loan money? Yep, and at some schools, the loan cards double as student IDs, ensuring that every student on campus has one. The fees: $19 inactivity fee $.50 charge for using a PIN to make a purchase rather than a signature $2.50 for using out-of-network ATMs $20 replacement fee $4.95 cash loading fee Ylan Q Mui, “The New Couple on Campus: Student Loan and Debit Card,” Washington Post, Oct 4, 2010 & Lucy Lazarony, “College Student ID Doubling as Prepaid Card,” bankrate.com, Jan 18, 2012.

Fees for Mobile Banking Banks are experimenting with ways to build charges into the app’s features — some for simple check deposits, others for instantaneous bill pay Current mobile app fees: $5.00 for immediate availability of funds, or a percentage of the deposit — whichever is higher $.50 for two-day access, once the funds are verified Kayla Tausche, “Yet Another Bank Fee Could Be a Pain in the App,” CNBC.com, June 27, 2013

The Debt Disease Debt isn’t just a financial disease — it can lead to mental and physical aliments as well! More than 13 times as likely than low-to-no-stress people to lose sleep at night More than seven times as likely to have severe anxiety Almost seven times as likely to take stress out on others Nearly six times as likely to experience severe depression Four times as likely to have ulcers or other digestive problems Twice as likely to have heart problems and migraines Whitson Gordon, “How Debt Affects Your Health,” Lifehacker.com, April 30, 2010.

Marriage & Money “It's this simple: Money can ruin your marriage. In fact, it's the number one problem in marriages and the number one cause of divorce.” Dr. Phil: “Financial and Marital Harmony,” DrPhil.com. Viewed August 21, 2013.

Primerica Enrich™ Primerica Enrich™ is a REVOLUTIONARY product delivered only by Primerica representatives that integrates time-tested financial concepts, and innovative technology, giving clients the tools and structure they need to pay off debt, maximize savings, and achieve their financial goals and dreams.

The Power of Debt Stacking¹
Primerica Enrich™ “High Touch” Motivation of a Primerica Rep ___________ Provide Product Information Data Collection Enrollment On-Boarding “High Tech” Connectivity of Account Aggregation ___________ Automated Bill Pay View Credit Accounts Online The Power of Debt Stacking¹ Discipline of Automated Bill Pay ___________ Directed by Debt Stacking Program Controlled by Client Discover Visa Card Master Card Student Loan Mortgage Total $57 $66 $333 $380 $1,191 $2,027 + $57 $123 + $123 $456 + $456 $836 + $836 Payoff Date 30 years Without Debt Stacking² Interest Costs Saved $0 With Debt Stacking¹ 16 yrs. & 11 mo. 13 yrs. & 1mo. Sooner $94,433 Interest Paid $233,609 Monthly Payments $2,027 $139,176 $2,027 Online Support to Ensure Accountability, Celebrate Success, and Improve Persistency Benefits • ID Theft • Credit Monitoring & Scores • Credit Restoration Education • Lost Wallet Recovery Service • Mortgage Shopping Engine The example at left assumes that the borrower’s debt and interest rates do not increase and that all required payments are made on time. Please refer to page 44 for important disclosures and more information. A fast and efficient way to pay off debt

Primerica Enrich™ Core Enrich Components Additional Enrich Features
Dynamic Primerica Enrich Debt Payoff Plan – Debt Stacking Account Aggregation with the ability to link the following: bank accounts creditors loans investment accounts including PFSI platform funds Automated Bill Payment Additional Enrich Features Credit Report & Credit Report Monitoring Credit Score & ID Theft Monitoring ID Theft Restoration, $1M Insurance* Lost Wallet Service Do It Yourself Credit Restoration Financial Education Resource Center Mortgage Rate Shopper Primerica makes no representation as to available product features or warranties of merchantability or fitness for a particular purpose, or that the services will be free from errors or will meet the company’s or consumer user's needs, or will be provided on an uninterrupted basis. *Not available in New York.

Primerica Enrich™ Debt Payoff Plan
Organizes debts based on time tested concepts used within the FNA known as debt stacking Debt Payoff Plan Lists all current debts based on a credit pull Allows the consumer to manually input debts they would like included in their debt plan that don’t have online access or were not reflected on the credit report Enables the consumer to designate extra funds to be paid toward a target account Recalculates based on account info available through account aggregation Once the first target account is paid off, you take the money that you were using to pay off the first target account and apply it to the payment of the new target account within the debt payoff plan The same total monthly payment is achieved when: Balances of debts in the debt plan do not increase The required minimum payment on revolving debts does not change All debts are paid on time each month

Account Aggregation Account aggregation is the industry term for compiling account information (banks, creditors, loans, investments) so they can all be viewed in a single location Account aggregation technology drives the dynamic ‘debt stacking’ plan based on monthly balances, payments, interest rates and payment delivery dates Consumers will also be able to add their investment account data to Primerica Enrich™ to see their assets in one location

Bill Pay Bill Pay is routine, automated payments made from a bank account to a creditor. Payments are automated from the consumer’s existing checking account to make the Debt Payoff Plan account payments each month. Bill Pay is provided by Four Oaks Bank & Trust Company, a federally insured bank A consumer can track in one convenient location: Upcoming payments Payment history Benefits Easily link existing checking account from which bills are currently paid Pay bills on time to avoid late fees Flexible — suspend or change payment whenever the need arises (entire plan or individual account) Alerts sent before payments are made Funds are withdrawn six days prior to due date to minimize payment failure due to non-sufficient funds (NSF) Checking account balance is refreshed prior to payment and alerts if NSF

Additional Features Credit Report
New TransUnion® credit report is automatically sent every six months TransUnion® credit report monitoring provided by CSIdentity Corporation for fraud detection, includes alerts Why do you need to see your credit report? Credit reporting is a system lenders use to decide whether or not to give you credit or a loan and how much interest they can charge you for it. Your credit report is based on the bill payments you have missed or been late paying, loans that you have paid off, plus your current amount of debt. A credit report contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. An 8-year Federal Trade Commission study indicates as many as 40 million Americans have a mistake on their credit report, twenty million have significant mistakes. Federal Trade Commission Consumer Credit Report, USA.gov, February 11, 2013.

Additional Features Credit Score & ID Theft Monitoring,
Monthly trend tracking and credit score insight ID Protection proactively scans websites, blogs, bulletin boards, chat rooms, etc. to identify the illegal trading and selling of personal information Knowing the impact of your credit score can potentially empower you to save money. Credit score of 620 vs. a credit score of 720 Types of Accounts Potential Annual Savings Mortgage Loan: $200,000 $2,016 for 30 years = $60,480 Auto Loan: $25,000 $1,032 for 3 years = $3,096 Home Equity Loan: $35,000 $996 for 15 years = $14,940 Credit Cards: $14,000 $603 for 17 years + $10,251 Potential annual savings of $4,647 in interest cost. A 100-point rise in your credit score potentially could save you $88,767 in interest cost over the next 30 years! Mortgage Loan information provided by myFICO.com: 30 year fixed mortgage in the amount of $200,000; FICO score with a 4.356% APR and a $996 monthly payment costs $358,560; FICO score with a 5.723% APR and a $1,164 monthly payment costs $419,040. Auto Loan information provided by myFICO.com: 36 month auto loan in the amount of $25,000; FICO score with a 3.375% APR and a $731 monthly payment costs $26,316; FICO score with a % APR and a $817 monthly payment costs $29,412. Home Equity Loan information provided by myFICO.com: 15 year home equity loan in the amount of $35,000; FICO score with a 6.550% APR and a $306 monthly payment costs $55,080; FICO score with a % APR and a $389 monthly payment costs $70,020. Credit Card rates provided by CardHub.com. Credit Card calculations provided by Bankrate.com; $14,000 credit card balance, 720 FICO score with a 12% APR and a $420 minimum monthly payment costs $20,860; 620 FICO score with a 20% APR and a $420 minimum monthly payment costs $31,113.

Additional Features ID Theft Restoration, $1M Insurance*
Self: Step-by-step instructions about how to restore your identity Full: A certified identity theft restoration specialist assigned to identity fraud victims to provide full-service identity restoration over the duration of the case provided by CSIdentity Corporation Reimbursement for any expenses associated with restoring identity *Not available in New York. Reimbursement provided by 3rd party insurance carrier. Coverage includes up to $1 million in insurance for costs to restore identity. Complete policy details provided in the Primerica Enrich™ product. Why should people be concerned about Identity Theft? ID Theft is the #1 Consumer Complaint reported by the Federal Trade Commission ID Theft is becoming even more common: Increase of more than 1 million victims in vs. 2011 Identity Theft cost consumers $20.9 Billion Dollars in 2012 In 2012, someone's identity was compromised every 3 seconds in the United States 5.26% of all consumers were victims of ID fraud in 2012 2013 Identity Fraud Report: Data Breaches Becoming a Treasure Trove for Fraudsters, Javelinstrategy.com, February 2013.

Additional Features Why is a Lost Wallet Service Important?
Protection for credit/debit cards, checkbooks, driver’s licenses, Social Security cards, insurance cards, passports, military identification cards, traveler’s checks and Medicare/Medicaid identification Support from restoration specialists in canceling and reissuing documents Why is a Lost Wallet Service Important? Gives consumers protection from the risk of Identity Theft Lost/stolen wallet, checkbook or credit card accounts for 15.1% of Identity Theft Consumers are able to immediately cancel any lost documents to avoid them being compromised Saves consumers countless hours of valuable time Bureau of Justice Statistics Victims of Identity Theft, bjs.gov, 2008 Report.

Additional Features Do It Yourself Credit Restoration
Yearly free credit report ordering information Links to major credit reporting agencies to file an online credit report dispute How can Credit Restoration education help you? A mistake on your credit report could potentially cost you money, including: Increasing the interest you pay on loans Preventing you from getting a mortgage or buying a car Landing a job Getting a security clearance As many as 40 million Americans have a mistake on their credit report 60 Minutes, February 10, 2013

Why use a mortgage rate shopper? Sound like a difficult task?
Additional Features Mortgage Rate Shopper provided by The Easy Loan Site Comparative quoting with 150 participating lenders Why use a mortgage rate shopper? Preparation can save you BIG in the long run Establish a baseline — so you can make an informed decision on which loan program and terms you want Contact a mix of financial intuitions — interest rates fluctuate constantly for a variety of reasons. Decide when you want to close — the length of your lock in period will impact your mortgage rate Ask about fees — sometimes a mortgage at a lower advertised rate can end up costing you more because of the fees associated with it Consider whether you should pay points — a lender can show you the difference in interest and monthly payment to help you decide whether it is worth it to pay points Call lenders on the same day — because mortgage rates fluctuate constantly, you should call lenders as close to the same time as possible on the same day to compare rates. Sound like a difficult task?

What Does Primerica Enrich™ Cost?
$300 Set-up Fee Includes step-by-step guided product set up with Primerica representative including: Debt payoff plan set-up Linking & compiling bank accounts and creditor accounts Establishing Bill Pay with Four Oaks Bank & Trust Company How to use Primerica Enrich technology The completion of set-up will ensure that clients are able to take action and begin to implement their debt payoff plan before you leave the house! $50 Monthly Subscription Fee Dynamic Primerica Enrich Debt Payoff Plan – Debt Stacking Account Aggregation Automated Bill Payment Credit Report & Credit Report Monitoring Credit Score & ID Theft Monitoring ID Theft Restoration, $1M Insurance* Lost Wallet Service Do It Yourself Credit Restoration Financial Education Resource Center Mortgage Rate Shopper 1st Month Total Cost = $350 *Not available in New York. Reimbursement provided by 3rd party insurance carrier. Coverage includes up to $1 million in insurance for costs to restore identity.

What is the True Value of Primerica Enrich™?
Save Time & Money Hypothetical *Interest cost savings with Primerica Enrich is the total interest cost saved less the set up fee of $300 and the monthly fee of $50 that is paid over the life of the debt, 16 years and 11 months, totaling $10,150. 1 This example assumes that the borrower makes no new charges on their credit cards and makes a minimum required payment of 3% of the outstanding balance on the revolving credit card debt each month and also pays the fixed installment payments on their mortgage and student loan on time each month. Assuming 20% interest is charged on the Discover balance,16% on the Visa balance, 18% on the MasterCard balance, 6.80% interest on the student loan and 5% interest on the mortgage, the borrower will pay $233,609 in interest charges. It will take the borrower 30 years to pay off the balance owed on all the debt in this example. This example also assumes that if the borrower pays off one target account, the borrower does not apply the funds used to pay the first target account to pay the next target account or any other account included. Initial monthly payments may change depending on outstanding balances. 2 Unlike the “Without Primerica Enrich” example, the “With Primerica Enrich “ example assumes that when you pay off the first target account in your plan, you apply the amount of money you were paying toward the first target account toward the next target account and continue with this process until you have paid off all the debts in your plan. 3 Example assumes the same interest rates as above, you do not add to your debt, the interest rates and fees on your debts remain unchanged and you make all payments on time. Please see slide 16 for full details of the accounts included in this hypothetical. Without Primerica EnrichDebt Payoff Plan¹˒³ With Primerica Enrich Debt Payoff Plan²˒³ Payoff 30 years 16 yrs. & 11 mo. Interest Cost Saved $0 $94,433 Interest Paid $233,609 $139,176 Starting Monthly Payments $2,027 $2,077 Interest Cost Savings $83,983*

Replacement of Existing Products Primerica Enrich Feature Monthly A La Carte Price Included Debt Payoff Plan up to $50 Updated Linked Acct Info up to $9 Automated Bill Payment up to $0.50 a transaction Credit Monitoring up to $30 ID Theft Insurance ID Theft Restoration up to $10 ID Theft Monitoring Bi-Annual Credit Reports up to $26 Credit Score Updates up to $15 Lost Wallet Service up to $4 Total up to $184

How many years do you have until your debt is paid off? Debt included in Debt Payoff Plan: $270,209 Monthly Payment: $2,027 Potential Interest Costs Saved $94,433 With Primerica Enrich Clients age: 32/30¹ Clients age: 42/40¹ Debt Payoff 16 yrs. & 10mo. 13 yrs. & 1 mo. Sooner 16 yrs. & 10 mo. Potential Years Debt Free Until Retirement 18 yrs. & 2 mo. (218 months) 8 yrs. & 2 mo. (98 months) Potential Monthly Interest Cost Savings Amount $2,027 *This example assumes that the borrower makes no new charges on their credit cards and makes a minimum required payment of 3% of the outstanding balance on the revolving credit card debt each month and also pays the fixed installment payments on their mortgage and student loan on time each month. Assuming 20% interest is charged on the Discover balance,16% on the Visa balance, 18% on the MasterCard balance, 6.80% interest on the student loan and 5% interest on the mortgage, the borrower will pay $233,609 in interest charges. It will take the borrower 30 years to pay off the balance owed on all the debt in this example.

How many years do you have to save for your retirement? Potential Interest Cost Saved: $94,433 Once debts are paid off the clients above saves $2,027 each month until age 67 to achieve the total amount accumulated. 1 This example assumes that the borrower makes no new charges on their credit cards and makes a minimum required payment of 3% of the outstanding balance on the revolving credit card debt each month and also pays the fixed installment payments on their mortgage and student loan on time each month. Assuming 20% interest is charged on the Discover balance,16% on the Visa balance, 18% on the MasterCard balance, 6.80% interest on the student loan and 5% interest on the mortgage, the borrower will pay $233,609 in interest charges. It will take the borrower 30 years to pay off the balance owed on all the debt in this example. 2 This Hypothetical assumes a constant nominal 8% rate of return compounded monthly, unlike actual investments which will fluctuate in value. It does not include taxes or fees, which would lower results. This hypothetical also assumes you do not add to your debt, the interest and fees on your debt do not change, and you make all debt payments on time. With Primerica Enrich Clients age: 32/30¹ Clients age: 42/40¹ Potential Years Until Retirement 18 yrs. & 2 mo. (218 months) 8 yrs. & 2 mo. (98 months) Potential Monthly Interest Cost Savings Amount $2,027 Assumed Rate of Return 8% Potential Total Savings² $996,821 $280,909

90 Day Trainee Compensation
You are a Trainee working on obtaining your life license See how much you can earn by selling Primerica Enrich™ while you are field training and studying for your life license. If you go on eight Primerica Enrich field training sales and personally sell four in your first 90 days that is 12 total sales. Look at what 12 Primerica Enrich sales does for your wallet!

90 Day Trainee Compensation
Unlicensed Trainee with 8 field training and 4 personal sales. 8 field training sales, split with your upline $75 to Trainee at set-up, per account 4 personal sales $150 to Trainee at set-up, per account Compensation is based on a Senior Rep level and assumes 92% persistency of clients who continue with the program at the end of month 3. Personal sales also earn an $8 a month override on active accounts at the Senior Rep level. The Newly Licensed Rep Bonus is based on the number of active Primerica Enrich clients at the time of obtaining a life license. This result is for illustrative purposes only and is not typical or average. Primerica Enrich is a new product without sales or persistency experience. Month 1 2 3 First 90 Days Sales 4 12 Up-Front Fee Comp $300 $600 $1,200 Bonus $550 Total $1,750

Primerica Enrich™ Bonus
Primerica Enrich Bonus for Obtaining Your Life License The Primerica Enrich Newly Licensed Rep Bonus will be calculated and paid monthly to representatives who obtain their permanent life license within six months of their IBA date. The $50 bonus will be paid on Primerica Enrich sales that were made and credited to the non-life licensed representative while field training and are currently active Primerica Enrich subscribers. For example: If you were paid as a Trainee on 12 Primerica Enrich Sales prior to obtaining your life license: And if 11 are still active, you would receive 11 x $50 = $550 as a bonus These results are for illustrative purposes only and is not typical or average. Primerica Enrich ™ is a new product without sales or persistency experience.

Primerica Enrich™ RL Compensation
You are a Regional Leader with seven sales a month See how much you can earn as a Regional Leader with a team. If you personally sell three Primerica Enrich each month and complete four Primerica Enrich Field Training sales with your unlicensed directs, that is seven sales you personally participate in. Look at what seven Primerica Enrich sales does for your wallet!

Regional Leader with 3 personal sales and 4 field training sales 3 personal sales $200 to Regional Leader at set-up $11 a month compensation to Regional Leader for first 12 months (monthly fee) 4 field training sales, split with your downlines $100 to Regional Leader at set-up $4 a month override to Regional Leader for first 12 months (monthly fee) Month 1 2 3 4 5 6 7 8 9 10 11 12 Year 1 Sales 84 Up-Front Fee Comp $1000 $12,000 Monthly Fee Comp $49 $96 $141 $185 $226 $266 $304 $341 $377 $411 $443 $474 $3,313 Total $1,049 $1,096 $1,141 $1,185 $1,226 $1,266 $1,304 $1,341 $1,377 $1,411 $1,443 $1,474 $15,313 Assumes 64% persistency of clients who continue with the program at the end of month 13. Override is based on Trainee at the Senior Rep level. These results are for illustrative proposes only and are not typical or average. Primerica Enrich™ is a new product without sales or persistency experience.

That is a potential of $1,275 a month of Primerica Enrich compensation. Would it be worth it to implement Primerica Enrich into your business? Absolutely! These results are for illustrative purposes only and is not typical or average. Primerica Enrich ™ is a new product without sales or persistency experience.

Primerica Enrich RVP Comp
RVP Compensation Example Existing $100,000 RVP with $10,000 Base / $2,500 Personal Monthly Premium Has 1 District Leader and 2 Division Leaders each generating $2,500 in life premium per month plus earns a 10% Base Shop Bonus; and Has Securities & Other Comp cash flow in line with Company non-life to life cash flow statistical experience by RVPs at the stated sales force level Produces 10 Enrich Sales (3 Personal / 7 Base) per month for 5 years Month 13 Enrich Persistency calculated at 64% and by month 60 at 9% Enrich Life Comp Life Bonus Securities & Other Comp Year 5 $40,492 $50,724 $8,400 $41,052 Potential for outstanding recurring income for Base Shop RVP and six generations These results are for illustration purposes only and are not typical or average. Primerica Enrich is a new product without sales or persistency experience. Example assumes sales of Custom Advantage 30-year policy, issue ages 26-45, and QBI of 70%; premium reflected is Gross Bonusable Premium. From January 1 through December 31, 2012, Primerica paid a total of $509,227,049 in compensation to its sales force, which, for its 92,373 life licensed representatives, was an average of $5,513 per representative. For more information, please visit Enrich RVP Comp Amount Year 1 $16,801 Year 3 $33,191 Year 5 $40,492

Overcoming Objections: Cost
Primerica Enrich™ Introduction: If you could implement a product that empowered you with the structure to use your money to automate paying off your debt, potentially saving you time, stress, and money, would you do it? Explain Cost: In order to take advantage of this opportunity, an initial payment of $300 and an ongoing payment of $50 per month is necessary.

Overcoming Objections: Cost
Possible Objections: Sounds great, but don’t have $300 at enrollment. We can’t afford it. Not now — we just don’t have the money. Response: Let’s try an experiment. Put your credit cards out on the table here. Wait for action. Great, now let me ask you both a question: which one of these cards have you ever used to get out of debt? Wait for reply. (Usually it’s “none of them”) So, by using just one of these cards you can purchase Primerica Enrich™ and put your Debt Payoff Plan in motion and on auto pilot. By getting out of debt, you have the potential to save a great deal of time and money! After all, the goal is to get out of debt, isn’t it?

Overcoming Objections: Time / Complexity
Possible Objections: This seems like it’s going to take a lot of time and be very complicated. I just don’t have any time to deal with this right now because I’m so busy. It’s just not worth the hassle. Response: Primerica Enrich™ is a very sophisticated product, however we will help you set it up and best of all because you can automate your debt payment, you could have a much greater chance for success! A little time and effort now, on both our parts, is a small sacrifice to get started on the road to paying off your debts, don’t you agree? Great let’s get started!

Expectations to be part of the Enrich Beta Launch
* Be on all Enrich calls (MONDAY’s at 10am CST). (760) Participant code – If new to program – Listen to audio of all previous calls Own it! (If you are an existing Rep- Split signed with your Recruiter-or Next up-line if not in) Get Certified with Enrich (Next Slide) Review material on eliteenrichteam.com Passcode: attackdebt (Password changes so pay attention)

Steps to Certification
Get approved by Home office Enrich Team a request to Lindsay Taylor Include name and code number Allow hours for approval

2. Listen to “The Basics” audios password is “attackdebt” 5 – 30 minute Enrich Conference calls audios July 10th, 11th and 14th and September 8th, 10th LifeLock phone call with Chazz Ward

Purchase Enrich for yourself split signed by your upline recruiter(You Onboard it) Once Approved, go to the microsite on POL-Products-Primerica Enrich-Primerica Enrich Certification and complete the online initial certification Once you complete your certification, you will see a congratulation screen Within 24 – 48 hours your certification will appear under your licenses on you rep profile Go to microsite on POL and listen to Kevin Hobb’s KT presentation. Get Mark Yozipovic’s Opportunity meeting on Elite Enrich Team website. You are CERTIFIED! Plug into the weekly Enrich Conference calls on Monday at 10am cstand get ready to CRUSH THE BANKS AND SAVE OUR COUNTRY!

PRE-LAUNCH PLAN October 21 – Session 1 – Pre-Launch Training
November 4 – Session 3 – Pre-Launch Training (Tix Distributed) November 11 – Session 4 – Pre-Launch Training November 18 – ENRICH Launch – Brookfield/Symposium November 20 – ENRICH Launch – Wausau/RG Remuda Tickets will be $20. for 10 Tix – 10 Tix MAX per Rep!

TICKETS- Brookfield Launch
ASSOCIATES DO NOT NEED TICKETS PERSONALLY EACH ASSOCIATE MAY PURCHASE 10 Tickets at $20. MUST BE CERTIFIED with ENRICH TO PURCHASE TICKETS WILL BE MAILED TO INVITEE WITH LETTER FRONT BACK

TICKETS- Wausau Launch
ASSOCIATES DO NOT NEED TICKETS PERSONALLY EACH ASSOCIATE MAY PURCHASE 10 Tickets at $20. MUST BE CERTIFIED with ENRICH TO PURCHASE TICKETS WILL BE MAILED TO INVITEE WITH LETTER FRONT BACK

Get Ready for Primerica Enrich™
Recruit. Building and growing your team is the way you will reach the number of families who need your help! Get fired up about the debt crusade. Talk about the debt crusade in your next Opp Meetings or Saturday training and educate your teammates on the huge opportunity that’s out there. Identify clients that are a fit for Primerica Enrich™. As you complete FNAs and get snapshots of your client’ finances, take note of the ones who would be a fit for Primerica Enrich. Stay plugged in. Stay tuned to POL and PFN for the latest news and information about Primerica Enrich Get Positioned for Greatness.

Primerica Enrich™ Availability
Primerica Enrich™ is currently available in the United States and Puerto Rico. Primerica Enrich™ has been delayed and is not currently available for the residents of the following states: Illinois Massachusetts New Hampshire Vermont

Important Disclosures
1. Unlike the “Without Primerica Enrich™” example, the “With Primerica Enrich” example assumes that when you pay off the first target account in your plan, you apply the amount of money you were paying toward the first target account toward the next target account and continue with this process until you have paid off all the debts in your plan. The Debt Stacking example is for illustrative purposes only. Debt Stacking assumes: (1) you make consistent payments on all of your debts, (2) when you pay off the first debt in your plan, you apply the amount you were paying toward that debt to 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 paid off all of the debts in your plan. In the Debt Stacking example on page 16, when the Discover card is paid off, $57 is applied to the Visa card, accelerating the Visa card payments to $123. After the Visa card is paid off, $123 is applied to the MasterCard for a total payment of $2,027. This process is continued until all debts are paid off. 2. The “Without Primerica Enrich” example assumes that the borrower makes no more charges on their credit cards and makes only the minimum required payment of 3% of the outstanding balance on the revolving credit card debt each month and pays the fixed installment payments on their mortgage and student loans on time each month. The following annual percentage rates are charged on the accounts in this example: (1) 20% interest rate charged on the Discover card balance; (2) 16% interest rate charged on the Visa card balance; (3) 18% interest rate charged on the MasterCard balance; (4) 6.80% interest rate charged on the student loan; and (5) 5% interest charged on the mortgage loan, the borrower will pay $233, in interest charges and it will take the borrower 30 years to payoff the balance owed on all the debt in this example. This example also assumes that if the borrower pays off one target account, the borrower does not apply the funds used to pay the first target account to pay the next target account or any other account included. Monthly payment may change depending on outstanding balances. Primerica Enrich™ is a product of PV, LLC, a joint venture between Primerica Client Services, Inc. (“Primerica”) and Freedom Financial Network, LLC. PV, LLC, Primerica and the independent contractor representatives of Primerica (referred to as “we”, “us”, or “our”) do not provide credit counseling, or financial or debt management advice or services. We are not certified or registered financial planners and we do not provide debt management, debt settlement, budget planning, debt or credit counseling, financial planning or financial counseling or similar services. We will not be responsible for making any debt payments on a consumer’s behalf. We will not act a conduit for payments to a consumer’s creditor(s). We will not negotiate or attempt to negotiate with a consumer’s creditors to settle debt, obtain new or different loan terms, or for any other reason. We do not give advice or assistance on these matters. Primerica Enrich™ is a tool for use by consumers. It is not a debt settlement, credit counseling, or loan product, does not provide an extension of credit and is being offered independent of any extension of credit. Primerica Enrich™ will not eliminate, reduce or settle your debts, or obtain new or different loan terms for the consumer. Primerica Enrich™ will not act as an intermediary between a consumer and the consumer’s creditors and will not engage in the business of receiving money (or evidences thereof) from the consumer for the purpose of distributing it to creditors in full or partial payment of the consumer’s obligations. Primerica Enrich™ does not imply, promise or guarantee that the consumer’s credit record, history, rating or credit score will or may be improved, repaired, boosted, enhanced, corrected or increased by use of the Primerica Enrich™ product.

Important Disclosures
Primerica Enrich™ is only available to residents of the United States and its territories. Primerica Enrich™ is not available to residents of the states of Illinois, Massachusetts, New Hampshire and Vermont and may not be available in other states and territories. Identity theft insurance is provided by a third party provider and is not available in the state of New York. Primerica Enrich™ is under development and we make no representation as to available product features or warranties of merchantability or fitness for a particular purpose, or that the product will be free from errors or will meet Primerica’s or the consumer’s needs, or will be provided on an uninterrupted basis. Primerica Enrich™ contains links to unaffiliated third party websites which are provided for the consumer’s convenience and are not approved or sponsored by us, nor are we endorsing those sites or their products or services. We do not exercise any editorial control over the information at those sites and we are not responsible for any information, products or services at those sites. Primerica Enrich™ includes an advertisement for TheEasyLoanSite.com. We do not originate or broker loans and we are not responsible for any of the products and services offered by TheEasyLoanSite.com. The advertisement and the loans offered through TheEasyLoanSite.com are solely the responsibility of third parties who are licensed or exempt mortgage lenders or mortgage brokers. No recommendation, endorsement, sponsorship or referral may be implied or inferred by the displaying of this advertisement. The identity theft restoration services are provided by CSIdentity Corporation. Identity theft insurance is provided by a third party service provider through a contractual arrangement with CSIdentity Corporation. Reimbursement will be provided by the insurance carrier. The description herein is a summary and intended for information purposes only and does not include all terms, conditions and exclusions of the policy or policies described. Please refer to the actual policies for complete details of coverage and exclusions. Primerica Enrich™ clients may receive a full refund of their enrollment and initial monthly fee if they contact Primerica Enrich customer service at ENRICH within three (3) business days of linking their first account to the Primerica Enrich Debt Payoff Plan. Primerica is the trademark of Primerica, Inc. Primerica Enrich is the trademark of PV, LLC. CSID is a trademark of CSIdentity Corporation. TransUnion is a registered trademark of TransUnion, LLC. All other trademarks are the property of their respective owners. All rights reserved. The Primerica business opportunity involves the sale of term life insurance and other financial services products such as mutual funds and variable annuities. Primerica representatives are independent contractors, not employees of Primerica or any of its affiliates. © 2013 Primerica / / /

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