4. WALL STREET JOURNAL “Private-equity firm Warburg Pincus has agreed to invest $230 million in Primerica Inc., the life-insurance and mutual-fund sales unit, according to securities filings…….. In return for its investment, New York-based Warburg will hold a roughly 23% stake in the company, according to a person familiar with the deal ……….. Warburg also has the option to invest $100 million at the IPO price, which could increase its stake…………..” March 3, 2010 WSJ

7. 95% OF POPULATION 5% OF THE NATIONS WEALTH

8. 5% OF POPULATION 95% OF THE NATIONS WEALTH

13. BORNBORN DIEDIE

14. BORNBORN DIEDIE

17. Adjusting for inflation, the minimum wage is 25-30% lower than twenty years ago. The gap between the rich and poor is growing wider every year. The top 10% earn more than the bottom 50% and owe $1.41 of debt for every dollar of income. An equivalent standard of living financed by the average 2 income house of $52,000 in 1980 would demand an income of over $250,000 today based on inflation. END THE MIDDLE CLASS SLIDE IN AMERICA

18. The Problem: Traditional financial institutions provide products not solutions. People are: Afraid, angry, nervous unprepared, poorly served & uneducated financially.

19. The Solution: A Financial Needs Analysis A complimentary, confidential and customized program to help you achieve your financial goals. The FNA provides solutions in these areas: Asset Accumulation Debt Elimination Income Protection Income Management

20. DISTRICT LEADER

21. Before Primerica Let’s Look at the Jones Family* *The Jones family is a hypothetical family of four consisting of a 35-year-old non-smoking male, his wife and their two minor children. The Jones family is used to illustrate our products and is not intended to reflect any real people or family. 1 st Mortgage $175,000 @ $1,350 1 (for 25 more years) Personal Debt $32,157 @ $1,207 2 Total monthly payments = $2,557 Original Loan APR:7.99% Original Term:30 years Original Loan Amount:$184,100 Market Value of Home:$263,000

22. Refinanced $210,000 for 25 years at $1,531 per month 3 At age 35 Makes available $1,026/month 4 Invest $658 a month at 10% for 15 years = $272,700 5 Add $368 a month toward payment of principal $272,700 invested/house and all debt paid off in 15 years After Primerica

23. After the house is paid off, take the $272,700 lump sum you accumulated and invest with the $2,557 now available each month until age 67 The total, given a 10% return = $2.84 million 5

24. DIVISION LEADER

25. The Power of Compound Interest The Rule of 72 This simple calculation gives you the approximate number of years it will take to double your investment. How many doubling periods do you have in your life? ? Age 3%6%12% 19 25 31 37 43 49 55 61 67 $10,000 $20,000 $40,000 $10,000 $20,000 $40,000 $80,000 $160,000 $10,000 $20,000 $40,000 $80,000 $160,000 $320,000 $640,000 $1,280,000 $2,560,000 Based on the Rule of 72, a one-time contribution of $10,000 doubles four more times at 12% than at 4%. The table serves as a demonstration of how the Rule of 72 works and is only an approximation of accumulations. It is not intended to represent any specific investment, which will fluctuate.

26. REGIONAL LEADER

27. $500,000 $400,000 John Mary Premium $84 Mutual Fund @ 65 TERM and INVEST the Difference $134 @ 10% $150,000 $218 $ 52,000 John MaryPremiumCash Value @ 65 CASH VALUE Life Insurance $508,000 AGE 30 $150,000 WHOLE LIFE UNIVERSAL LIFE VARIABLE LIFE Same $218 INCOME PROTECTION

29. EMPLOYEE * Has a job. Income based on position, not the person. Income is fixed. Boss controls your lifestyle BUSINESS OWNER Owns a system. Has others working with them. Unlimited income potential via Franchising, Inventions, Network Marketing SELF EMPLOYED Owns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson. Must be involved to increase income growth. INVESTOR Has money working for them. Enjoys complete freedom and lives the dream. 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 information purposes only. Not for any product solicitation.

30. You 1.Join – I.B.A. 2.Complete Your F.N.A. 3.Become A Client 4.Complete 30-60 day training 5.Get Your Licenses 1 CLIENT = 1 CLIENT = $1,000 INSURANCE APP $10,000 INVESTMENTS $150,000 SMART Loan = $1,320w/ bonuses 3 CLIENTS/MO. = $3,960 X 12 = $47,520/YR

31. Override$4,085 Personal$9,174 Bonuses$5,580 BUILDING DISTRIBUTION 2 Loans, 2 Ins Sales, 2 $10k investments 1 Loan, 1 Ins Sale, 1 $10k investment YOU BECOME AN RVP $1,500/ Mo Income

32. Your Office Helps 30 Families / Month & You Develop 3 RVP’s That Help 15 Families / Month Each $50,000/ mo. $600,000 Year! Annual Income $150,552 Annual Overrides & Bonuses BUILDING DISTRIBUTION BECOME AN SVP

33. Submit application – criminal background information Sit with who brought you and design a 30 day game-plan Thursday nights @ 7:00 p.m. Bring 5 people next Thursday Become certified

34. Heavily Subsidized by Primerica 2 Licenses –Insurance License –Securities License Approximately $1,800 initial commitment if self funded $99 & $25/mo. for Primerica Online Resources

36. ‘94 TOYOTA CAMRY

37. GROWING UP

38. Brandon & Lexee Neil YR 1 $ 20,483 4 apts/ wk YR 2 $ 104,987 6-8 apts/ wk YR 3 $ 183,052 6-8 apts/ wk YR 4 $ 228,000 2-3 apts/ wk Now $1,015,843 0 apts/mo!! FREEDOM!!! Next 12 Mo. $2,000,000+ Former Occupation: Bill Collector/ Construction

39. Got licensed and earned $15,000 1 st year learning. Recruited and trained some teammates. Built a branch within 13 months & $115,000 our 2 nd yr. Identified the ambitious and helped develop them a branch Now 3.5 yrs in PFS we’ve 400 Licensed teammates w/ 7 RVP’S. We have a solid and growing passive income of $440,000+! Began living life on our terms Easy trade-off (3 yrs of our lives) now at ages 24 & 21 we earn $45k-$50k per month & have many others on their way and we are free!!

40. M.I.T

41. NEW CADILLAC CTS

42. CHRISTMAS

43. FLOOR SEATS!

44. CANCUN

45. BAHAMAS

46. SHARKS

47. THE RITZ

49. What Lies behind us & What Lies Before us, Are tiny compared to what lies within us! Gods definition of success is one of SIGNIFICANCE!!

50. Why Not you? There's a bunch of stuff in life we can’t control, but there's a TON of stuff we can control! We can control winning and being the instigator of greatness for our families! Deep down inside you want to be somebody! You want to make a difference, to do something that really mattered! Our families need us our country needs us! And at the moment of need will you rise up and take a stand to do something great? See, Freedom isn't free. We've gotta fight for it.

51. Will you be the one that delivers for your family? You choose TONIGHT!

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