Today’s Financial Crisis Freedom Lives Here Founded in 1977. IPO in April 2010. NYSE (PRI). 6 million clients 100,000 licensed representatives. 28,000 securities licensed. Largest independent financial services marketing organization in North America Our Mission Help families become properly protected, debt free, and financially independent. Today’s Financial Crisis “The average American family carries $8,000 to $10,000 worth of 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 “43% of American workers say they have less than $10,000 in savings.” Money.com, March 9, 2010 “68 million adult Americans have no life insurance.” - National Underwriter, October 8, 2007 Do you have a written program to become debt free and financially independent?

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

The Power of Compound Interest How Money Works Traditional Financial Institutions Your Money Global Economy Banks, Credit Unions, Insurance Companies = Historically Low Rates of Return The Power of Compound Interest $200 Monthly Savings for 35 Years (Age 30 - 65) 3% interest $148,680 6% interest $286,370 $1.3 Million 12% interest 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.

Debt Stacker Debt Stacker Solution With Debt Stacking March 2019 182 Months Sooner $130,643 $83,789 $2,720 Once debts are paid off, invest $2,720 each month until age 67 – the total, given a 10% return, is $2.87 million.*

How Does Primerica Help Families? Dad $30,000 Household Income $60,000 Mom $30,000 Where does it all go? INSURANCE DEBT SAVING MORTGAGE TAXES GIVING BILLS Buy Term and Invest the Difference Death Benefit Before Primerica Changed to Primerica’s Term John Mary Children Total Protection Monthly Premium $150,000 $0 $300,000 $298 $300,000 $25,000 $625,000 $123 $83,789 $2,720 Difference = $175/month! Invest the Difference $175 monthly savings invested at 10% for 30 years = $398,882 at age 65.

$100,000 @ 3% $3,000 Brokerage Model HERNDON REALTY Broker $1,500 Override HERNDON REALTY Broker President – Owner – CEO $100,000 @ 3% $3,000 Licensed Agent #1 Licensed Agent #3 Licensed Agent #2 $1,500 Compensation How does an agent make more $$$? How does the broker make more $$$? What would the agent want to do? Why? $2,720 Once debts are paid off, invest $2,720 each month until age 67 – the total, given a 10% return, is $2.87 million.*

Part Time – District Leader Licensing Fees $800 - $700  $100 Part Time – District Leader 8 – 10 Hours Per Week 4 – 5 Families Per Month $2500 - $3500 Full Time – RVP 1 – 3 Years 20 – 25 Families Per Month $15,000 - $20,000 OWNERSHIP Distribution 1.5% 3% 10% Local Market Share National Average Our Goal 11 150 Current Offices New Offices RVP $50k - $75k Offices Royalties