Referrals/Earn Your Business/Expansion Not to be used in New York. © 2013-2014 Primerica/48386/8.14/US/11PFS648-21

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

The Financial Services Company For the 21st Century

Ask Yourself Three Questions As We Go Through The Presentation Is there a need for what we do? Are these financial concepts helpful for you? If your family and friends implemented these concepts, would they be better off? Our Mission: To help families earn more income and become properly protected, debt free and financially independent

The Headlines Tell The Story Six in 10 workers say that they are living paycheck to paycheck. CareerBuilder.com Survey, April 12, 2014 The average American household with at least one credit card has nearly $15,950 in credit card debt .” CNNMoney.com, viewed July 18, 2013 More than half of Americans have no emergency savings. Time.com, August 11, 2014 Bankruptcies topped 1.5 million CNNMoney.com, January 3, 2013 95 million U.S. adults have no life insurance. LIMRA, “Facts About Life 2011,” September 2013 More than half of all workers have less than $25,000 in savings and investments for retirement. The typical American household made less money last year than the typical household made a full decade ago. How real and serious are these problems?

People Don’t Plan to Fail, They Fail to Plan

Do You Know Your Financial Independence Number? If you want to be financially free, you need an estimate of how much you will need to accumulate — your personal Financial Independence Number (FIN)! Knowing this number is a critical first step. You want to retire in 30 years, with $30,000 a year… 30 years from now, after 3% inflation… $73,000 spends like $30,000 does today. Your FIN is $1,080,000 To get there, invest $585 per month for 30 years at 9% = $1,080,000 How important is it to know your Financial Independence Number? This hypothetical example assumes 20 years of retirement income needed, at a 6% post-retirement rate of return and 3% inflation. Hypothetical investment rates assume a nominal 9% rate of return, compounded monthly, and is not indicative of any specific investment. Any actual investment may be subject to taxes and fees, which would lower performance. This example shows a constant rate of return, unlike actual investments which may fluctuate in value.

Bypass the Middleman — Become an Owner, Not a Loaner Traditional Financial Institutions Banks, Credit Unions, Insurance Companies = Historically Low Rates of Return Do The Banks Want You To Know This? 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.

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! Years 1% 6% 12% 1% 6% 12% $2,000 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? 6 12 18 24 30 36 42 48 54 60 $4,000 $8,000 $16,000 $32,000 $64,000 $128,000 $256,000 $512,000 $1,024,000 $2,048,000 $4,000 $8,000 $16,000 $32,000 $64,000 $3,634 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.

The First Step to Financial Success is Pay Yourself First When you don’t, there’s a high cost of waiting. $100 Monthly Savings @ 9% for 40 Years (Age 27-67) 27 $471,640 28 $430,040 (-$41,600) Wait 1 year ($1,200) 32 $296,380 (-$175,260) Wait 5 years ($6,000) 42 $112,950 (-$358,690) Wait 15 years ($18,000) Who are people hurting if they wait? 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.

Cash Value Life Insurance vs. Buy Term and Invest the Difference Investment at 70 $518,673 Cash Value Life Insurance Whole Life, Universal Life, Variable Life Buy Term and Invest the Difference SAME $298 Savings $300,000 John age 35 $300,000 Mary age 33 Cash Value ? ? ? $150,000 John age 35 $150,000 Mary age 33 $175 @9% $123 Monthly Premium $298 Monthly Premium (35-year Level Term, $25,000 on two children) Which program would you want? Monthly premium for cash value policies 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 or variable life, 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. 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, Executive Offices: 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. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions.

The Theory of Decreasing Responsibility How Life Works 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 What Life Insurance company do you know of that teaches people how to eliminate the need for Life Insurance?

Solution: Build Your Financial House Other Goals and Dreams College Savings Retirement Debt Elimination Budget - Emergency Fund - Will* Protect Your Income / Term Life 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? “One basic rule of thumb is that the death benefit on your policy should equal seven to ten times the amount of your annual salary.” — CNNMoney.com, viewed December 10, 2013 * Primerica Legal Protection program. Exclusions and limitations may apply. See plan for details. Primerica representatives do not provide legal, tax or estate planning advice.

Referrals/Earn Your Business/Expansion Business Opportunity Referrals/Earn Your Business/Expansion Not to be used in New York. © 2013-2014 Primerica/48386/8.14/US/11PFS648-21

Four Ways to Earn Income The Cash Flow Quadrant* 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. 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. Which two ways to earn income appeal to you most? *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.

100 People After Working From Age 25 - Age 65 36% 5% 4% 1% 54% 100 people at age 65: 54% dependent 36% working 5% deceased 4% OK ($1 million) 1% wealthy ($5 million) Source: SmartMoney, 2001 Why do 95% fail when it comes to their finances? 1. No financial education 2. No financial game plan 3. No financial coach

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! If you could potentially earn $20,000 to $40,000 a year part-time without jeopardizing your job, would that interest you? 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.

Which would you rather be — an agent or a broker? The Real Estate Model Agent Limited Income Potential No Security No Time Freedom 6% Broker Fee $100,000 House = $6,000 Fee Broker Unlimited Income Potential More Security Time Freedom A Broker with 5 agents Earning $3,000/month Earns $15,000/month Broker 50% Override: $3,000 Agent 50% $3,000 Agent 50% $3,000 Agent 50% $3,000 Agent 50% $3,000 Agent 50% $3,000 Commission Which would you rather be — an agent or a broker?

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 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 Total cash for the month: $6,864 Once you reach $50,000 to $80,000 a year in income, would you consider making a career change? 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.

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 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 Total cash for the month: $13,956 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.

Next Steps 1 Fill out your application and qualify to work with Primerica. 2 Book a time to review your own financial game plan. 3 Get your business plan set up, start field training and get on the road to financial freedom. 22