More than 2 million clients maintain investment accounts with us Over 4.3 million lives insured through our life companies Primerica is the largest independent financial services marketing organization in North America. Member of the New York Stock Exchange (NYSE)

Our Mission: Help families become properly protected, debt free and financially independent. Primerica refers to Primerica and its affiliated companies.

How We Do What We Do: We teach people how money works so they can make informed decisions about how to manage their finances. We provide a Financial Needs Analysis to give clients a snapshot of their financial situation. Primerica offers a variety of products and services designed to help people get properly protected, get out of debt and become financially independent.

Today’s Financial Crisis “The average American family carries $8,000 to $10,000 in credit card debt.” — CNNMoney.com, April 16, 2009 “Overall, 61% (of survey respondents) said they always or usually live paycheck to paycheck...” — CNBC.com, September 16, 2009 “U.S. foreclosure actions shattered all records in 2009 and will do so again this year.” — Reuters.com, January 14, 2010

Today’s Financial Crisis 43% of American workers say they have less than $10,000 in savings. — Money.com, March 9, 2010 “Two in 10 American households have no life insurance, and among those that do, 40% say they need more.” — INC.com, December 1, % of workers feel “not too confident” or “not at all confident” that they will have enough money to live comfortably through retirement. — Employee Benefit Research Institute 2010 Retirement Confidence Survey

Do you have a written program to get out of debt and retire financially secure? ?

How Money Works The Rule of 72 approximates the number of years it takes to double your money. 12 years 6 years 72 ÷ 6% interest 72 ÷ 12% interest 18 years 72 ÷ 4% interest DOUBLE your money in approximately… How many doubling periods do you have in your life? ? 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.

$714,475 9% interest 3% interest $148,680 6% interest $286,370 Rates of return are 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. It does not take into consideration taxes or other applicable deductions, which would lower performance. This example uses constant rates of return. Actual investments will fluctuate in value. The Power Of Compound Interest $200 Monthly Savings for 37 Years (Age )

“Compound interest is the most powerful force in the universe.” — Albert Einstein, as quoted in Dow 40,000 by David Elias (1999) “U.S. consumer bankruptcy filings in the first half of 2010 reached the highest level since 2005.” — Reuters.com July 2, 2010

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 Our Philosophy: The Theory of Decreasing Responsibility How Life Works

The Problem: Traditional financial institutions sell you products; they don’t provide you with a total solution. Most People Don’t Plan to Fail, They Fail to Plan Installment LoansBank Accounts Mortgage Savings Accounts Mutual Funds Life Insurance 401 (k) Credit Cards YOU The Solution: A Financial Needs Analysis A complimentary, confidential and customized program to help you achieve your goals and dreams. The FNA provides solutions in these areas: Savings Debt Solutions Income Protection Income Management

On a scale of 1–10, 10 being the highest, how would you rate your desire to become properly protected, debt free, and financially independent? _________ ?

The Four Ways to Earn Income* INVESTOR Has money working for them. Enjoys complete freedom and lives the dream. EMPLOYEE Has a job. Income based on position, not the person. SELF EMPLOYED Owns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson. BUSINESS Owns a system. Has others working for them. Unlimited income potential via manufacturing, marketing, etc. *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 information purposes only. Not for any product solicitation. Which two ways to earn income appeal to you the most?

If I could help you become financially independent more quickly, would you join me in my business? ?

Since 1977 New Since 2000 A Track Record of Success … With Tremendous Momentum Cumulative Number of Earners Personal Income Over $50,000 Over $100,000 Over $1 million Over $2 million Over $5 million 5,501 2, ,963 1, These figures represent 12-month rolling cash flow levels, including advances, which have been achieved by Primerica representatives, past and present, at some point during their affiliation with a Primerica Company, beginning in The representatives are not necessarily achieving those levels at this time. Further, the numbers reflected in the “Cumulative Number of Earners” column are cumulative from level to level and, therefore, include all representatives who have ever achieved the stated cash flow figures. The cash flow categories are not intended to demonstrate earnings of typical representatives. In the 12-month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to the sales force at an average of $5,544 per licensed representative. Most representatives do not reach the levels illustrated. 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. In 2011, Primerica paid more than a half of a billion dollars to its sales force. With this track record, what would prevent you from pursuing this opportunity? ?

Life insurance is underwritten by the following affiliated companies in these respective jurisdictions: National Benefit Life Insurance Company, Home Office: Long Island City, NY, in New York; Primerica Life Insurance Company, Executive Offices: Duluth, GA, in all other U.S. jurisdictions; Primerica Life Insurance Company of Canada, in Canada. Securities offered by PFS Investments Inc. © Primerica/44024/3.12/12POL50 Endnotes