All of this WITHOUT ANY national TV or radio advertising! Primerica… Who Are We: The Largest Independent Financial Services Marketing Organization in North America! Listed on the NEW YORK STOCK EXCHANGE Canada Pension Plan invested over $42 Million! In business since 1977 More than 6.3 Million Clients All of this WITHOUT ANY national TV or radio advertising! 1-4

100 people surveyed at age 65… 54% dependent 36% working 5% deceased 4% OK ($1 million) Source: SmartMoney 2011 1% Wealthy ($5 million) Why do 90% of the people fail when it comes to their finances? No financial education No financial game plan No financial coach 2-4

Today’s financial challenges… How real and serious are these problems? Average CREDIT CARD DEBT among households with balances on their cards: $15,788. -AARP Bulletin July – August 2010 600,000 Canadians will struggle to make their MORTGAGE PAYMENTS if their rates rise by just 1%. -Advisor.ca November 9, 2011 21% of Canadians have NO LIFE INSURANCE. -www.clhia.ca 2010 Edition 61% of Canadians do not make RRSP CONTRIBUTIONS THAT THEY ARE ELIGIBLE FOR. -Advisor.ca March 4 2011 45% OF WORKERS feel “NOT CONFIDENT” that they will have ENOUGH MONEY TO LIVE COMFORTABLY THROUGH RETIREMENT. -www.clhia.ca 2010 Edition 6 in 10 Canadian workers report they live PAYCHEQUE TO PAYCHEQUE to make ends meet. -Toronto Star September 8 2011 CANADIAN PAYCHEQUES ARE NOT KEEPING UP WITH INFLATION. -Stats Canada Sept2012 How real and serious are these problems? 3-4

To help families earn more income, become properly Our mission… To help families earn more income, become properly protected, debt free and financially independent. Problem: Institutions are selling products, they are not providing families with solutions! Solution: Financial Needs Analysis Primerica provides families with an Education based, financial blueprint and a coach to help simplify their situation. COMPLIMENTARY CONFIDENTIAL CUSTOMIZED 4-4

Bob (35) & Susan (33) Smith, with two children FNA example… Bob (35) & Susan (33) Smith, with two children BEFORE PRIMERICA WITH PRIMERICA Debt: Debt Solution: $150,000 mortgage balance. $24,250 on two credit cards and one installment loan with total monthly debt payments of $2,278. Debt free in 21.7 years. Consolidate debts at $178,000. Makes available $1,061/month. Accelerate mortgage payments with $661 freed up monthly dollars and $400 towards savings goals. Debt Free in 10.4 years & $65,000 Invested. A or B

Bob (35) & Susan (33) Smith, with two children FNA example… Bob (35) & Susan (33) Smith, with two children BEFORE PRIMERICA WITH PRIMERICA Creditor Life Insurance: Term Life Insurance: $150,000 coverage on Bob $150,000 coverage on Susan No protection on the children Total monthly cost: $138 $300,000 coverage on Bob $300,000 coverage on Susan $25,000 on each of the children Total monthly cost: $83 Saving $55/month. A or B

X Eliminate the middleman… Traditional Financial Institutions Your Money Global Economy Traditional Institutions = Historically Low Rates of Return

The Rule of 72… sometimes called the banker’s rule Divide your interest rate into 72 to find the approximate number of years it takes for your money to double! Number of Years 4% 6% 12% Shouldn’t we have learned this rule in school? 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? $20,000 $20,000 $20,000 6 $40,000 12 $40,000 $80,000 18 $40,000 $160,000 24 $80,000 $320,000 30 $640,000 36 $80,000 $160,000 $1,280,000 Without introducing us to family and friends, how would they learn the “Rule of 72?”

Financial Independence number… If you want to be financially free, you need to 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 $1,079,000 To get there, invest $473 per month for 30 years at 10% = $1,079,000 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 10% rate of return, compounded monthly, and is not indicative of any specific investment. Any actual investment may be subject to taxes and f ees, which would lower performance. This example shows a constant rate of return, unlike actual investments, which may fluctuate in value.

Bob (35) & Susan (33) Smith, with two children FNA example… Bob (35) & Susan (33) Smith, with two children BEFORE PRIMERICA WITH PRIMERICA Retirement: Financial Independence: Bob and Susan had $20,800 in retirement savings at the bank earning 3% with contributions of $125/month. When Bob turns 65, the Smiths will have $123,944. We helped Bob & Susan invest $580/MONTH using $400 freed up from debt and $55 freed up from insurance costs plus $125 already contributing. When Bob turns 65, the Smiths will have $1,735,000. 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?

Compensation… FNA Investment: $20,000 x 2% $400 30-60-90 Days 5-10 Appointments 30-50 Referrals Insurance: $1,000 x 50% $500 $300 Bonus $1000-$3000 Tax Savings 2-5 Hrs $900 x 2 $1,800 No Commitment Financial Education

YOU 50% contract District Leader… Total = $2,500 x12 months 25% $1,000 x 50% = $500 x 2 = $1,000 YOU $1,000 x 25% = $250 x 6 = $1,500 Total = $2,500 x12 months $30,000/year Could you use an extra $2,500/month

70% contract Regional Leader… YOU Total = $4,600 x12 months 200 70% contract x 70% = $1,400 $1,000 x 2 = $2,000 YOU x 20% = $3,200 $1,000 x 16 = $16,000 DIST 50% DIST 50% DIST 50% Total = $4,600 x12 months $55,200/year Replace your income, part time

Regional Vice President… DIV 60% 110% contract YOU DIV 60% $1,000 x 2 = $2,000 x 110% = $2,200 District DIV 60% $1,000 x 20 = $20,000 x 50% = $10,000 DIV 60% Total = $12,200 x12 months $146,400/year District District Could you start achieving your dreams with this kind of income?

100 RVP’s Average $110k per year Atlantic Canada Leadership Council 100 RVP’s Average $110k per year No territories Overrides Bonuses Residual Income 40+ Checks/ Month Primerica Stock Ownership Building a Legacy Trips California, Puerto Rico Hawaii, Florida Recognition