All of this without any national TV or radio advertising! Who we are: In business since 1977 The largest independent financial services marketing organization in North America More than 4.3 million lives insured and more than 2 million client investment accounts Listed on the New York Stock Exchange (PRI) All of this without any national TV or radio advertising!

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, 2011 The average American household with at least one credit card has nearly $15,950 in credit card debt (in 2012).” CNNMoney.com, viewed July 18, 2012 More than half of Americans have no emergency savings. Time.com, August 11, 2011 Bankruptcies topped 1.5 million in 2010. CNNMoney.com, January 3, 2011 95 million U.S. adults have no life insurance. LIMRA, “Facts About Life 2011,” September 2011 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 The Problem: Traditional financial institutions sell you products. They don’t provide you with a total solution. The Solution: A Financial Needs Analysis. A customized, confidential and complimentary program that helps you achieve your goals and dreams. A Financial GPS It helps you find answers to important questions. Installment Loans Bank Accounts Mortgage Credit Cards Mutual Funds Savings Accounts 401(k) Life Insurance YOU *See endnotes for important disclosures.

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. This limit expires December 31, 2013. 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 9% 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.

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? “A good rule of thumb is that you need between eight to ten times your annual salary in life insurance coverage.” — The Wall Street Journal, April 12, 2006 * Primerica Legal Protection program. Exclusions and limitations may apply. See plan for details. Primerica representatives do not provide legal, tax or estate planning advice.

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Corporate Business Model What is the corporation’s #1 goal? Is a corporation’s main priority to help its employees achieve all of their financial goals? CEO In Business 101 we learn… How do corporations grow and protect profits? President Revenues - Expenses Mid Level Managers Profits Supervisors Employees / Labor Downsizing, Layoffs & Outsourcing, etc.

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How Do I Get Started? 1. State License License fees Approx. $1,000 Florida Life &insurance license, and Series 6 Securities License Primerica pays $900 2. Independent Business App - $99 Books Classes Background Check 3. Technology Package – $25/month Morningstar Online training and study programs Cell phone discount 4. Fast Start Program Qualify for a bonus within the first 30 days! Win a Mini iPad and district leader promotion!