1. Referrals/Earn Your Business/Expansion
Not to be used in New York.
© 2012 Primerica/43934/3.12/US/11PFS648-5

2. Questions Do you like helping people?
Have you ever thought about being your own boss?
What are a few of your immediate goals & dreams?
How important are those goals & dreams to you?
If we could help you reach those goals, how soon would you want to get started?
Are you willing to start part-time?
Is there someone else you need to speak to before making a decision today?
Is there anything in your background that would prevent you from getting a State license?
Would you have a problem paying the $99 background check fee?

3. The Financial Services Company For the 21st Century
Founded in 1977 with 85 people
6 million clients in the United States, Canada and Puerto Rico
100,000 Licensed Reps
$5 Billion in reserve capital
Debt Free
Listed on NYSE (PRI)

4. Supermarket of Financial Services
Debt Solutions1,2
Life Insurance
Managed Accounts
Annuities1,3
Primerica DebtWatchers™
401(k) Plans1,3
Auto & Home Insurance Referral Program
Quotes from such companies as:
Travelers
Safeco
Progressive
Mutual Funds3,5
Legal Protection
Long Term Care 4

5. Our Mission
“Help families become Properly Protected, Debt Free and Financially Independent”

6. Bob And Susan Smith (Ages 35 And 33) With Two Children
Before Primerica
Debt1:
Bob and Susan had $165,000 1st mortgage loan balance; payoff in 24 years and had a total balance of $13,000 on three credit cards; payoff in 58 years (Age 93). Debt free?
Life Insurance2:
$150,000 coverage on Bob $150,000 coverage on Susan No protection on the children. Total monthly cost: $298*
PLPP:
Bob & Susan had NO WILL.
Auto & Home:
Bob & Susan were paying $243 per month for auto & home insurance.
Retirement:
Bob & Susan had $20,000 in an IRA at the bank earning 3%, with $100 per month contributions. Accumulated savings at age 67 = $116,000
With Primerica
Debt1:
They enrolled in Primerica DebtWatchers™, and created a Fast Pay Plan to eliminate all credit card debt, save four years of mortgage loan payments and over $56,000 in total interest. (with $0 extra payment) Debt free at age 55
Term Life Insurance3:
$300,000 coverage on Bob, $300,000 coverage on Susan and $25,000 on each of the children. Total monthly cost: $123 Saved: $175 per month
PLPP4:
Bob & Susan SET UP A WILL and got access to a respected, full-service law firm ($25 per month)
Auto & Home:
Now they pay $178 per month Saved: $65 per month on their auto and home insurance
Retirement3:
Rolled over $20,000 IRA into mutual funds. Monthly contributions increased to $ Accumulated savings at 9% at age 67 = $1,022,000 Extra invested: $200 per month
A or B
If you could earn $ $1700 each time you moved a client from Plan A to Plan B, would that interest you ?
See important assumptions and disclaimers on notes page.

7. 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: clients in one month life sales IRA rollovers Primerica DebtWatchers™ A&H PLPP
Total cash for the month: $4,868
And even if you did about half of that, you could still earn $2,628!
If you could potentially earn $20,000 to $40,000 a year part-time without jeopardizing your job, would that interest you?
The income example of $2,628 assumes 3 life sales, 1 IRA rollover, 1 Primerica DebtWatchers™, 1 A&H and 1 PLPP, in amounts and for products specified in A & B example on prior slide. In the 12-month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to its sales force, at an average of $5,544 per licensed representative.

8. Regional Leader: Part-Time
Personal: 5 clients in one month 5 life sales 3 IRA rollovers 1 Primerica DebtWatchers™ 2 A&H 2 PLPP
Equals: $6,545
Override: 2 District Leaders 6 clients in one month 6 life sales 3 IRA rollovers 3 Primerica DebtWatchers™ 3 A&H 2 PLPP
Equals: $1,973
Total cash for the month: $8,518
Once you reach $50,000 to $80,000 a year in income, would you consider making a career change?
In the 12-month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to its sales force, at an average of $5,544 per licensed representative.

9. Regional Vice President
Personal: 5 clients in one month 5 life sales 3 IRA rollovers 1 Primerica DebtWatchers™ 2 A&H 2 PLPP
Equals: $9,065
Override: District Leaders clients in one month life sales IRA rollovers 6 Primerica DebtWatchers™ 6 A&H 6 PLPP
Equals:
Bonus:
$18,989
$8,913
Total cash for the month: $36,967
In the 12-month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to its sales force, at an average of $5,544 per licensed representative.

10. What would keep you from getting started?
1. Fill out your Independent Business Application (IBA) — $99
Value includes: State license fee Exam fee Fingerprint/background check PFSU pre-licensing Total: worth approximately — $ Total fees vary for each state
2. $25/month for Primerica Online — Online Business Support System
Value includes: Cell phone discount $100-$250/year Your own website and business reports $ Access to live and on-demand video training $ Qualify to have securities license paid for $ Morningstar financial analysis software* $4,000/year Total: worth approximately — $6, *Must be securities licensed
3. Get off to a fast start! Qualify for a bonus up to $300 when you get trained, licensed and producing. (See company brochure for details.)
4. Keys to success
• Submit your IBA with $99
• Show up to all training meetings
• Attend pre-licensing and get insurance licensed
• Go on Field Training Observations in your first 30 days
• Complete a Financial Needs Analysis to get your family’s financial game plan started
What would keep you from getting started?

11. Today’s Financial Challenges:
“Average credit card debt among households with balances on their cards: $15,788.” AARP Bulletin, July-August 2013
U.S. foreclosure actions have shattered all records… and will do so again this year. Reuters.com, January 14, 2013
68 million Americans have no life insurance. LifeHealthPro.com, June 14, 2013
43% of American workers say they have less than $10,000 in savings. Money.com, March 9, 2013
45% of workers feel “not too confident” or “not at all confident” that they will have enough money to live comfortably through retirement. Employee Benefit Research Institute 2011 Retirement Confidence Survey
Nearly eight in 10 (77 percent) workers report that they live paycheck to paycheck to make ends meet. Career Builder Survey, 2013
The typical American household made less money last year than the typical household made a full decade ago. “A Decade With No Income Gains,” The New York Times, September 10, 2012
How real and serious are these problems?
We have the solutions!

12. DO YOU WANT YOUR LIFE BACK?
DREAM VS REALITY
Saving Money
Taking A Vacation
Helping Parents/Kids
Debt Free
Living the Dream
Being your own boss
Unlimited Income
Ownership
Paycheck to Paycheck
Limited Trips
Depending on Parents
Slave to Creditors
Living the Nightmare
Be told what to do
Limited Income
Loanership
DO YOU WANT YOUR LIFE BACK?

13. BUSINESS OWNERSHIP IS THE KEY
543,000 motivated people start a small business each month.
There are almost 28 million small businesses in the US and over 22 million are self employed with no additional payroll or employees (these are called non-employers)
Small businesses have generated over 65% of the net new jobs since 1995
52% of all small businesses are home-based
19.4 million non-employer businesses are sole proprietorships, 1.6 million are partnerships and 1.4 million are corporations
Total revenues from non-employers hit $989.6 billion in 2011 (up 4.1% from 2010)
Average start-up cost is $10,000 - $250,000

14. Entrepreneurial growth from a recession
DON’T GET TOO EXCITED YET…

15. “80% OF NEW BUSINESS START-UP FAIL IN THE FIRST 5-YEARS”
REALITY CHECK
“80% OF
NEW BUSINESS
START-UP
FAIL IN THE FIRST
5-YEARS”

16. 3 Alternatives
DIRECT SALES
FRANCHISING
NETWORK MARKETING

17. DIRECT SALES ADVANTAGES: HIGHER UPFRONT COMPENSATION NO TEAM REQUIRED
PERFORMANCE BASED
LINEAR INCOME
DISADVANTAGES:
NO RESIDUAL INCOME
SELF-EMPLOYED
SPECIALIZED SKILLS & TALENTS
NO GENERATIONAL OVERRIDES

18. FRANCHISING ADVANTAGES: PROVEN SYSTEM CORPORATE SUPPORT
BRAND RECOGNITION
PRIME LOCATIONS
DISADVANTAGES:
HUGE UPFRONT CAPITAL
WORK LONG HOURS
HIGH EMPLOYEE TURNOVER (300%)
NO TRANSFER OF OWNERSHIP

19. NETWORK MARKETING ADVANTAGES: LOW INITIAL INVESTMENT NO EMPLOYEES
LITTLE TO NO BUSINESS EXPENSES
FLEXIBLE HOURS
DISADVANTAGES:
SELF CONSUME 85% OF THE INVENTORY
1000’S OF REPS TO MAKE 100’S OF DOLLARS
MANDITORY MONTHLY AUTO-SHIP
PERSONAL SALES QUOTA

20. HYBRID TURN-KEY SYSTEM
TAKE THE BEST AND LEAVE THE REST…
HIGHER UPFRONT COMPENSATION
NO TEAM REQUIRED
PERFORMANCE BASED
LINEAR INCOME
PROVEN SYSTEM
CORPORATE SUPPORT
BRAND RECOGNITION
PRIME LOCATIONS
LOW INITIAL INVESTMENT
NO EMPLOYEES
LITTLE TO NO BUSINESS EXPENSES
NO QUOTA’S – NO DEMOTIONS
NO MONTHLY MEMBERSHIP FEE’S

21. Primerica 37-year proven track record
#1 rank of in-force term life premium
4.3 million lives insured
2 million investment clients
$31 billion in assets under management
Accredited member of the Better Business Bureau
Doing business in one of the most highly regulated industries
Rated A+ Primerica Life’s, National Benefit Life’s and Primerica Life Insurance Company of Canada’s financial strength is rated A+ (Superior) by A.M. Best, the oldest and most prominent rating agency in the industry.*
*A.M. Best ratings range in order from the highest ratings as follows: A++, A+, A, A-, B++, B+, B, B-, C++, C+, C, C-, D, E, F. Primerica’s term life insurance is underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY, in New York State, Primerica Life Insurance Company, Home Office: Duluth, GA, in all other U. S. jurisdictions; and Primerica Life Insurance Company of Canada, Home Office: Mississauga, Ontario, in Canada. Investments offered by: PFS Investments Inc., 3120 Breckinridge Blvd., Duluth, GA, 30099, 21

22. A Market Indicator
Primerica has replaced The Shaw Group in the Standard & Poor’s MidCap Index. The change became effective after the close of trading on Feb. 12, according to S&P. Companies included in the S&P MidCap 400 must have a total market capitalization between $750 million and $3 billion. Primerica currently has a market capitalization of approximately $1.9 billion.

23. Referrals/Earn Your Business/Expansion
Not to be used in New York.
© 2012 Primerica/43795/1.12/11PFS648-2