1. Referrals/Earn Your Business/Expansion
For use in New York only.
© 2013 Primerica/45691/4.13/NY/12PFS22-6

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

3. 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

4. The Headlines Tell The Story
More than two-thirds in U.S. live paycheck to paycheck. January 23, 2013
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
1.46 million individuals filed for bankruptcy in CBSNews.com, September 11, 2012
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. Employee Benefit Research Institute 2012 Retirement Confidence Survey
When I saw this slide, I realized that there was a big need for this.
Business 101 teaches to find a need and fill it
Can you agree there is a need for this?
We can be in business for a very long time.
Is debt going to be ….
How real and serious are these problems?

5. 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, Cash value life insurance offers life insurance components in addition to the investment component.

6. The First Step to Financial Success is Pay Yourself First
When you don’t, there’s a high cost of waiting. $100 Monthly 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.

7. 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 3% 6% 12% 3% 6%
12%
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?
$10,000 6 12 18 24 30 36 42 48
$20,000
$40,000
$80,000
$160,000
$320,000
$640,000
$1,280,000
$2,560,000
$20,000
$40,000
$80,000
$160,000
$20,000
$40,000
Without introducing us to family and friends, how would they learn the “Rule of 72?”
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.

8. 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.

9. 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.

10. 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. 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
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?
See important assumptions and disclaimers on notes page.

11. 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 (one per week) life sales IRA rollovers Primerica DebtWatchers™ A&H PLPP
Total cash for the month: $3,680
And even if you did about half of that, you could still earn $1,932!
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 $1,932 assumes 2 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.

12. Four Ways to Earn Income
The Cash Flow Quadrant*
Employee
Has a job.
Income based on position, not the person.
Business
Owns a system.
Has others working for him/her. Unlimited income potential via manufacturing, marketing, etc.
Self-Employed
Owns a job.
Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson.
Investor
Has money working for him/her.
Enjoys complete freedom and lives the dream.
Which two ways to earn income appeal to you most?
*The Cash Flow Quadrant, CASH FLOW Technologies, Inc.; used with permission. The Cash Flow Quadrant and ESBI are trademarks of CASH FLOW Technologies, Inc. For informational purposes only.

13. Which would you rather be — an agent or a broker?
The Real Estate Model
Agent
Limited Income Potential
No Security
No Time Freedom
6% Broker Fee $100,000 House = $6,000 Fee
Broker
Unlimited Income Potential
More Security
Time Freedom
A Broker with 5 agents Earning $3,000/month Earns $15,000/month
Broker
50% Override: $3,000
Agent 50% $3,000
Agent 50% $3,000
Agent 50% $3,000
Agent 50% $3,000
Agent 50% $3,000
Commission
Which would you rather be — an agent or a broker?

14. Regional Leader: Part-Time
Personal: 4 clients in one month 4 life sales 2 IRA rollovers 1 Primerica DebtWatchers™ 1 A&H 1 PLPP
Equals: $4,978
Override: 2 District Leaders 6 clients in one month 6 life sales 2 IRA rollovers 2 Primerica DebtWatchers™ 2 A&H 2 PLPP
Equals: $1,886
Total cash for the month: $6,864
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.

15. Regional Vice President: Full Time
Personal: 3 clients in one month 3 life sales 2 IRA rollovers 1 Primerica DebtWatchers™ 1 A&H 1 PLPP
Equals: $6,136
Override: 2 Regional Leaders clients combined life sales 4 IRA rollovers 2 Primerica DebtWatchers™ 2 A&H 2 PLPP
Equals: $6,494
Bonus: $1,326
Total cash for the month: $13,956
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.

16. Senior Vice President: Full Time
Personal: 3 clients in one month 3 life sales 2 IRA rollovers 1 Primerica DebtWatchers™ 1 A&H 1 PLPP
Equals: $6,136
3 RVPs: clients combined life sales IRA rollovers Primerica DebtWatchers™ A&H PLPP
Equals: $16,144
RVP & SVP Bonuses: $6,936
Team Override: 2 Regional Leaders Bonus: $1,326
Total cash for the month: $30,542
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.

17. The Five Reasons People Get Involved
They don’t like their current job and are looking for a career change & better income potential.
They love what they do… but earning extra part-time income each month would make a positive difference.
They want to get a financial education so they can learn how to win the money game.
They love helping people and making a difference.
They dream of having their own business.
Can you see how most people would be interested in at least one of these areas?

18. 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 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
On a scale from 1 -10, 10 being Im ready to go. Where would you rate your self?
What would keep you from getting started?

19. Track Record of Success With Momentum
Cumulative Number of Earners
Personal Income
Over $50,000
Over $100,000
Over $1 million
Over $2 million
Over $5 million
Since 1977
New Since 2000
5,501
2,632 63 17 1
2,963
1,510 32 6 1
What would interest you more?
Starting your own part-time business, a complimentary financial game plan
OR BOTH?
These figures represent 12-month rolling cash flow levels, including advances, which have been achieved by Primerica representatives, past and present, at some point during their affiliation with a Primerica Company, beginning in The representatives are not necessarily achieving those levels at this time. Further, the numbers reflected in the “Cumulative Number of Earners” column are cumulative from level to level and, therefore, include all representatives who have ever achieved the stated cash flow figures. The cash flow categories are not intended to demonstrate earnings of typical representatives. 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. Average RVP earnings are typically higher. Actual gross cash flow is, among other factors, dependent upon the size and scale of a representative’s organization, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines. Having said this, Primerica provides a tremendous opportunity for individuals who work hard and who desire to develop a business with strong income potential.

20. Referrals/Earn Your Business/Expansion
For use in New York only.
© 2013 Primerica/45691/4.13/NY/12PFS22-6

21. We Are a One-Stop Financial Supermarket With Home Delivery!
Debt Solutions1,6
Life Insurance
Managed Accounts1,4
Referrals by Primerica Client Services, Inc. to
Annuities1,3
Primerica DebtWatchers™ 1,2
Offered by Primerica Client Services, Inc. through contractual agreement with
401(k) Plans1,3
Mutual Funds3,5
Auto & Home Insurance Referral Program
Quotes from such companies as:
Safeco and Progressive
Legal Protection
Long Term Care
See endnotes pages for
important disclosure.