Dawn of a New Era Be at the front lines of history in the making! The drive to success starts now and culminates in a blowout of epic proportions in San Diego, CA! Qualification Period: January - May 2010

Get In on the Freedom Revolution 1,500 top leaders and their Partners, together for one massive event! Phase I: August 22 ‑ 25, 2010 Phase II: August 25 ‑ 28, 2010 Qualification Period: January - May 2010

Destiny Lives Here The Manchester Grand Hyatt Luxurious accommodations Spa Fine and casual dining State ‑ of ‑ the ‑ art facilities Prime location – close to all the major attractions! Qualification Period: January - May 2010

Explore San Diego There’s something for everyone in this gorgeous beach ‑ side city. Sea World San Diego Zoo Gaslamp Quarter Balboa Park The Hotel del Coronado Belmont Park Qualification Period: January - May 2010

Builders Premium Points 1 Premium 2 + (Recruits 3 x 2,500) + (Class Attendance x 3,000) + (Class Completions x 4,000) + (Life Licenses x 5,000) + (Securities Licenses x 15,000) Qualification Period: January - May 2010

Builders Premium Points With this points system, you’ll earn: More than double the recruit credit over the last incentive trip competition A whopping 5,000 points for each life license and 15,000 points for every securities license you or your downline base shop teammates earn Credit for every step of the life licensing process Qualification Period: January - May 2010

Qualifications Senior Leadership 4 San Diego Slots RVP & Above Through 1 st 50 RVP & Above530 New RVPs (January 10, 2009 – January 8, 2010)50 Total RVPs630 Start Competition Below RVP 5 San Diego Slots New RVPs (Advance on or after January 8, 2010)*75 Future RVPs (Regional Leaders)180 Future Regional Leaders165 Newly Licensed (During Competition)25 Total Below RVP445 Qualification Period: January - May 2010

Qualifications Product Categories 6 San Diego Slots Life Premium – Personal25 Life Premium – Base Shop100 Total Securities Volume – Personal30 Total Securities Volume – Base Shop75 Total Loan Volume – Personal15 Total Loan Volume – Base Shop30 Auto & Home – Personal (cases)25 Auto & Home – Base Shop (cases)15 DebtWatchers – Personal 7 25 DebtWatchers – RVP Base Shop 7 15 LTC Issued Volume – Personal10 PLPP – Personal (cases)5 PLPP – RVP Base Shop (cases)5 Total Product375 Qualification Period: January - May 2010

Qualifications Cash Flow 8 San Diego Slots Cash Flow (during competition)50 Total Cash Flow50 Total Slots1,500 Qualification Period: January - May 2010

Start Something Spectacular We’re at the start of a new beginning, a new era of greatness and qualifying for The Challenge of Destiny proves that you have what it takes to change the world! Take control of your destiny – and commit to doing what it takes to be there. Qualification Period: January - May 2010

Endnotes This trip is a Primerica event held to help you build your business. It’s expected that you’ll attend all scheduled meetings and activities as part of your participation in this event. Although we hope you enjoy your time in between the meetings and events, your focus should be on learning from the leaders who can help you take your business to the next level. 1 There are Builder’s Premium Points for obtaining two types of licenses: life and securities. Licensing points will only be given for obtaining a license (life or securities) if done during the qualification period. A Solution Number must be issued to the recruit for the Representative to receive licensing points. For securities licensing in the U.S., a recruit must submit a U4 and obtain the Series 6 (and Series 63 where necessary), or in Canada, submit the Form 33 ‑ 109F4 and pass the Mutual Funds exam and be deemed “active.” If a Representative qualifies in more than one category, then he or she will be deemed to have qualified in only one category, as determined by Primerica. In the event of a tie, the person with the greater life base shop premium qualifies. Incentive trips are intended for Representatives who are in good standing with the Company at all times during the qualification period and through the dates of the trip. Only one competition slot will be awarded to a Representative and his/her spouse or Partner. Persons who abuse any aspect of the competition, as determined solely by Primerica, will be disqualified. Determination of qualifiers is subject to the final decision by Primerica. Primerica reserves the right to suspend, modify or terminate any competition. 2 Premium is base shop gross bonusable submitted life premium of the Representative and the Representative's base shop downline team. All premium is capped at $1,500 per sale. U.S. and Canadian premium is combined without any exchange rate conversion. 3 A recruit = an IBA submitted with fee. You can also qualify for recruit credit by your number of base shop Senior Rep advancements. We’ll count whichever number is higher – the number of recruits or the number of Senior Rep advancements. Qualification Period: January - May 2010

Endnotes 4 Minimum premium requirement for RVPs and above: average of $5,000 monthly base shop premium during Qualification Period. 5 Minimum premium requirement for below RVPs: average of $1,000 personal premium per month during Qualification Period. Minimum premium requirement for new RVPs: average of $2,500 monthly base shop premium during Qualification Period. 6 Long Term Care Insurance and Primerica Secure™ not available in Canada. In Canada, representatives refer $MART debt consolidation loans to Citicorp Home Mortgage, a subsidiary of CitiFinancial, Inc. In Canada, the Pre ‑ Paid Legal Services program is offered through PPL Legal Care of Canada Corporation. In the event of a split sale, the competition credit will be split. For loan categories, only new loans that have closed and passed any applicable rescission period during the Qualification Period are eligible to be counted. Securities sales are not restricted to any fund company or PFSL’s Concert Allocation Series and is based on total production and equal weighting of all products. Category participation based on title as of January 1, Must successfully enroll a minimum of 25 (personal) or 50 (RVP base shop) during Qualification Period. 8 Total cash flow during Qualification Period. For internal use only. Not to be used with, or distributed to, the public. ©2010 Primerica Financial Services / 1.10 / 09PFS311-1 Qualification Period: January - May 2010