Name, I'm sure you will have some questions for me, I have some questions for you, is it ok if I ask you a few questions? If at any point while we are talking today, Name you feel like this isn't for you, will you stop me? I don’t want to waste your time, I really don’t want to waste my time. Conversely, Name if at any time while we are talking today if I feel this is not going to be a good fit for you, I will stop and let you know. Ok? From – Family – Area - Occupation : What do you love about what you do? What do you do that makes you great? What do you dislike about working there? What could you change if you could? Recreation : What do you like to do for fun? Are you doing that as much as you like doing it? What usually stands in the way of you doing that? Motivation - Management What qualities should a successful leader possess? How do you go about continuing to develop your professional skills and knowledge? On the scale of being not helpful 10 being very helpful how helpful would an extra would 1 to 2 thousand dollars a month be to you? What would you do with that money?

No Time - referral position - you get your license - and you come across people who need what we do, you refer them to me - we split the money and I will do all the work, I will go on the appointments and I will follow up and you can make about 500 to 800 a month Spare Time - go on the appointments with us - 5 to 8 hours a week to 1500 a month. Part Time leadership track - 10 hours plus a week going on appointments 1000 to 3000 a month it could be more. Based on what you have going on right now, which of those tracks would be the best fit for you right now?

5 Reasons People Desire a Change… 1.They don’t like their current job and are looking for a career change & better income potential. 2.They love what they do… but earning extra part-time income each month would make a positive difference. 3.They want to get a financial education so they can learn how to win the money game. 4.They love helping people and making a difference. 5.They dream of having their own business. Can you see how most people would be interested in at least one of these areas?

Four Ways to Earn Income The Cash Flow Quadrant* *The Cash Flow Quadrant, CASH FLOW Technologies, Inc.; used with permission. The Cash Flow Quadrant and ESBI are trademarks of CASH FLOW Technologies, Inc. For informational purposes only. Which two ways to earn income appeal to you most? Self-Employed Owns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson. Investor Has money working for him/her. Enjoys complete freedom and lives the dream. Employee Has a job. Income based on position, not the person. Business Owns a system. Has others working for him/her. Unlimited income potential via manufacturing, marketing, etc.

The Rule of 72… Sometimes called the Bankers Rule Divide your interest rate into 72 to find the approximate number of years it takes for money to double! This table serves as a demonstration of how the Rule of 72 concept works from a mathematical standpoint. It is not intended to represent an 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. It is unlikely that an investment would grow 10% or more on a consistent basis, given current market conditions. How do you win a game if you don’t know the rules? Do banks or insurance companies have any incentive to teach us this rule? Who would benefit from learning this rule? Shouldn’t we have learned this rule in school? Years1%6%12% $3, $2, %6%12% $4,000 $8,000 $16,000 $32,000 $64,000 $4,000 $8,000 $16,000 $32,000 $64,000 $128,000 $256,000 $512,000 $1,024,000 $2,048,000

The First Step to Financial Success is Pay Yourself First When you don’t, there’s a high cost of waiting. $100 Monthly 9% for 40 Years (Age 27-67) 42$112,950 (-$358,690) 32$296,380 (-$175,260) 28$430,040 (-$41,600) 27$471,640 Rates of return are constant and nominal rates, compounded monthly. Contributions are assumed to be made at the beginning of the month. The chart above is not indicative of any particular investment or savings vehicle where rates of return fluctuate. It does not take into consideration taxes or other applicable deductions, which would lower results. Wait 15 years ($18,000) Wait 5 years ($6,000) Wait 1 year ($1,200) Who are people hurting if they wait?

District Leader: Part-Time If you showed the A and B example to 10 families, how many out of 10 would switch from A to B? Personal: 4 clients in one month (one per week) 4 life sales 2 IRA rollovers 1 Primerica DebtWatchers™ 1 A&H 1 PLPP Total cash for the month: $3,680 And even if you did about half of that, you could still earn $1,932! Product sales and amounts based on prior “Bob and Susan Smith” slide. From January 1 through December 31, 2013, Primerica paid a total of $536,506,140 in compensation to its sales force, at an average of $5,614 per life licensed representative. If you could potentially earn $20,000 to $40,000 a year part-time without jeopardizing your job, would that interest you?

6% Broker Fee $100,000 House = $6,000 Fee A Broker with 5 agents Earning $3,000/mo Earns $15,000/mo The Broker The Agent Agent 50% $3,000 Agent 50% $3,000 Agent 50% $3,000 Agent 50% $3,000 50% Overrides $3,000 50% Commission $3,000 The Real Estate Model

Regional Leader: Part-Time Personal: 4 clients in one month 4 life sales 2 IRA rollovers 1 Primerica DebtWatchers™ 1 A&H 1 PLPP Equals: $4,978 Total cash for the month: $6,864 Product sales and amounts based on prior “Bob and Susan Smith” slide. From January 1 through December 31, 2013, Primerica paid a total of $536,506,140 in compensation to its sales force, at an average of $5,614 per life licensed representative. Once you reach $50,000 to $80,000 a year in income, would you consider making a career change? Override: 2 District Leaders 6 clients in one month 6 life sales 2 IRA rollovers 2 Primerica DebtWatchers™ 2 A&H 2 PLPP Equals: $1,886

Regional Vice President: Full Time Personal: 3 clients in one month 3 life sales 2 IRA rollovers 1 Primerica DebtWatchers™ 1 A&H 1 PLPP Equals: $6,136 Total cash for the month: $13,956 Override: 2 Regional Leaders 10 clients combined 10 life sales 4 IRA rollovers 2 Primerica DebtWatchers™ 2 A&H 2 PLPP Equals: $6,494 Bonus: $1,326 Product sales and amounts based on prior “Bob and Susan Smith” slide. Life bonus is based on 69% QBI and 10% Base Shop Bonus rate, assuming average premium per policy of $1,498. From January 1 through December 31, 2013, Primerica paid a total of $536,506,140 in compensation to its sales force, at an average of $5,614 per life licensed representative.

15 Getting Started

Why Should Primerica Invest in Your Future? Our Next Step… Would you consider yourself coachable? – Everyone says yes Give me an example of when you didn’t listen to coaching and what was the negative result? After they struggle through that – ask them the opposite. Are you competitive? Do you have an example? Why do you want to win? What is your greatest failure, and what have you learned from it? Final Questions: Why should Primerica invest over a $1,000 in getting you started? Is there any logical reason preventing you from getting started, at least part-time? If they are not a great candidate STEAM THEM NOW!