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 Largest financial services marketing

organization in North America Listed on NYSE (PRI)

All of this without any national TV or radio advertising!

Ask Yourself Three Questions As We Go Through The Presentation

1. Is there a need for what we do?2. Are these financial concepts helpful for you?3. If your family and friends implemented

these concepts, would they be better off?

Our Mission:To help families become properly

protected, debt free and financially independent

Control of TIME.Control of MONEY.

How Do Most People Make Their Money?

Self-EmployedOwns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson.

Control of TIME.Control of MONEY.

InvestorHas money working for them.Enjoys complete freedom and lives the dream.

The Cash Flow Quadrant, CASH FLOW Technologies, 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.

EmployeeHas a job. Income based on position, not the person.

Business OwnerOwns a system. Has others working for him/her. Unlimited income potential via manufacturing, marketing, etc.

No Control of TIME.No Control of MONEY.

Limited control of TIME.Limited control of MONEY.

What Do People Want?

When people talk about freedom, they’re really talking about…

Quality of Life5

What Is Quality of Life?

More … Time

6

More … Money

7

What determines your quality of life?

How You MANAGE

Your MONEY

How You MAKE

Your MONEY

We Believe with Faith,Work,& Dreams It is All Possible

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Without Work - there is no reason to Dream; Without Dreams - there is no reason to Work.

James 2:17 says…

Faith without works is dead

So is it Possible with Primerica, Lets see

What’s your Odds of Making it Big Here?

If You Google “What company has the most people making over $100,000” and $1,000,000 a Year?

You Will find it is Primerica for Both

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10

Listed on the New York Stock Exchange as (PRI) Qualify to get your share of

the 3 million more shares over the next 3years

Primerica

This is not an offer or advice to purchase any stock with Primerica or any other company. This is not a guarantee that you will receive stock as the company changes the stock gifting program from time to time. You will not receive any stock until you are a Regional Vice President and at that time you will qualify based on your rank and or your volume in different areas of the business. Refer to Primerica Online for all details and qualifications.

Primerica

New company with 35-year proven track record

-2 million investment clients– $35 billion in assets – 4 million insured All that with… –$0 Debt and 4 Billion in Cash.

*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, 770-381-1000.

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12

Life Insurance

Debt Solutions

Long Term Care

Auto & Home InsuranceReferral Program

Quotes from such companies as:

Travelers Safeco

Progressive

Primerica DebtWatchers™Offered by Primerica Client Services, Inc. through contractual agreement with

Annuities1,3

Mutual Funds3,5

See endnotes pages for important disclosure.

Managed Accounts1,4

401(k) Plans1,3

The Headlines Tell The Story

Six in 10 workers say that they are living paycheck to paycheck.CareerBuilder.com Survey, April 12, 2011

“Average credit card debt among households with balances on their cards: $15,788.”

AARP Bulletin, July-August 2010

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

68 million Americans have no life insurance.LifeHealthPro.com, June 14, 2010

More than half of all workers have less than $25,000 in savings and investments for retirement.

Employee Benefit Research Institute 2011 Retirement Confidence Survey

How real and serious are these problems?

How do most people manage their money?

They Don’t!

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15

We Believe in Bypass the Middleman

Banks, Credit Unions, Insurance Companies = Historically Low Rates of Return

Traditional Financial Institutions

CDs and savings accounts are generally FDIC insured up to $250,000. Cash value life insurance offers life insurance components in addition to the investment component.

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The “Time Value” of Money

30 0 66,89031 0 73,16032 0 80,03033 0 87,53034 0 95,75035 0 104,73036 0 114,55037 0 125,30038 0 137,05039 0 149,91040 0 163,97041 0 179,35042 0 196,18043 0 214,58044 0 234,71045 0 256,73046 0 280,81047 0 307,15048 0 335,96049 0 367,48050 0 401,95051 0 439,66052 0 480,90053 0 526,01054 0 575,35055 0 629,33056 0 688,36057 0 752,93058 0 823,56059 0 900,82060 0 985,32061 0 1,077,75062 0 1,178,86063 0 1,289,44064 0 1,410,40065 0 1,542,70066 0 1,687,42067 0 1,845,710

$40,000

$1,845,710

Investor AAge Annual End of Year

Payment Accumulation

Investor BAge Annual End of Year

Payment Accumulation

The hypothetical 9% nominal rate of return, compounded monthly, and tax-deferred accumulation shown for both IRA accounts are not guaranteed or intended to demonstrate the performance of any actual investment. Unlike actual investments, the accounts show a constant rate of return without any fees or charges. Any tax-deductible contributions are taxed and tax-deferred growth may be taxed upon withdrawal. Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Assumes payments are made at the beginning of each year. Investing entails risk, including loss of principal. Shares, when redeemed, may be worth more or less than their original value.

When is$40,000 more than $190,000?

Individual A:Started contributingAt Age 22

Individual A:Stopped contributingAt Age 29

Total Contributions

Total Accumulation At Age 67

Individual B:Started

contributingAt Age 30

Individual B:Stopped

contributingAt Age 67

TotalContributions

23 5,000 11,45024 5,000 17,99025 5,000 25,15026 5,000 32,98027 5,000 41,54028 5,000 50,91029 5,000 61,150

22 $5,000 $5,470

30 $5,000 $5,47031 5,000 11,45032 5,000 17,99033 5,000 25,15034 5,000 32,98035 5,000 41,54036 5,000 50,91037 5,000 61,15038 5,000 72,36039 5,000 84,62040 5,000 98,02041 5,000 112,69042 5,000 128,73043 5,000 146,27044 5,000 165,46045 5,000 186,45046 5,000 209,41047 5,000 234,52048 5,000 261,99049 5,000 292,04050 5,000 324,90051 5,000 360,85052 5,000 400,17053 5,000 443,18054 5,000 490,22055 5,000 541,67056 5,000 597,96057 5,000 659,52058 5,000 726,85059 5,000 800,51060 5,000 881,07061 5,000 969,19062 5,000 1,065,57063 5,000 1,171,00064 5,000 1,286,32065 5,000 1,412,45066 5,000 1,550,42067 5,000 1,701,330

22 0 023 0 024 0 025 0 026 0 027 0 028 0 029 0 0

$190,000$1,701,330

% interest rate

# Years for $ Double

72

The Rule of 72

)

Works for You When You’re Saving Works Against You When You Owe

0 $10,0007 *12

14*

18 21*

24 28*

36 $20,000

Number 2% 6% 10%of Years

$10,000

$20,000

$40,000

$80,000

$10,000$20,000

$40,000

$80,000

$160,000$320,000 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.* 10/72 is 7.2 years. So the actual is 7.2 years, 14.4 years, 21.6 years, 28.8 years, and 36years.

The Rule of 72

Without Introducing us to Family and Friends, how would they learn this Rule?

• 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?

• Shouldn’t we have learned this rule in school?

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The First Step to Financial Success is Pay Yourself

When you don’t, there’s a high cost of waiting.

$100 Monthly Savings @ 9% for 40 Years (Age 27-67)

42$112,950(-$358,690)

32 $296,380(-$175,260)

28 $430,040(-$41,600)

27 $471,640

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.

Wait 15 years($18,000)

Wait 5 years($6,000)

Wait 1 year($1,200)

Who are people hurting if they wait?

Are You Giving the Government a Tax-Free Loan?

Average 2010 tax refund was $3,129 = $260/mo

The hypothetical interest rates are for illustrative purposes only and not indicative of a guaranteed rate of return on any investment. Illustrative rates of return are nominal, compounded monthly. Rates of return are constant unlike actual investments which will fluctuate in value. It does not include fees or taxes which would lower results. *CNNMoney.com, March 4, 2011

3% interest $192,807

If you make:

10% interest $995,351

Rather than Overpaying, Invested it for 35 years at…

6% interest $370,425

Retail Card 1Credit Card 2Car LoanCredit Card 1MortgageTotal

Solution: Debt Stacking

The above example is for illustrative purposes only. The Debt Stacking concept assumes that: (1) you make consistent payments on all of your debts, (2) when you pay off the first debt in your plan, you add the payment you were making toward that debt to your existing payment on the next debt in your plan (therefore you make the same total monthly payment each month toward your debts) (3) you continue this process until you have eliminated all of the debts in your plan. In the example above, when the retail card is paid off, the $220 is applied to credit card 2, accelerating its payment to $573. After credit card 2 is paid off, the $573 is applied to the ca r loan for a total payment of $1,124. The process is then continued until all debts are paid off. Note that the total payment per month remains constant. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions. The hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments, which will fluctuate in value, and does not include taxes or fees, which would reduce returns. Investing begins once debts have been paid off (at age 44). It is unlikely an investment would grow 10% on a consistent basis, given current market conditions.

$353$551$303

$1,293$2,720

$551$303

$1,293$2,720

$303$1,293$2,720

$1,293$2,720

$220$353$551$303

$1,293$2,720

As each debt is paid off, you apply the amount you were paying to that debt to the payment that you were making on the next target account.

$1,427$1,124

$2,720

$573+ $220

+ $573+ $1,124 +

$1,427

$220

Age 35

Paid off in 8 years, Age 43 ( 15 years sooner) Interest saved $130,643

(Age 44) Once debts are paid off, invest $2,720 each month at 10%

@ Retirement … Age 62 = $1.2 millionDo Financial Companies Want You To Know This?

Primerica Helps Families

Before PrimericaLife Insurance:2

$100,000 cash value on Bob $100,000 cash value on Susan $0 on the children. Total monthly : $198*

With PrimericaLife Insurance:3

Bob $300,000Susan $300,000 Childern $15,000 on eachTotal monthly cost: $90

Over 3 Times the CoverageFor Half the Cost

*Term insurance provides a death benefit and its premiums can increase at certain ages. Cash value life insurance can be universal life, whole life, etc., and may contain certain features in addition to death protection, such as dividends, interest, or cash value available for a loan or upon surrender of the policy. Cash value insurance usually has level premiums for the life of the policy; term insurance premiums increase after initial premium periods.

“Cash value life insurance is one of the worst financial products available.”DaveRamsey.com, “The Truth About Life Insurance,” October 25, 2010

“I strongly believe that term is the best insurance… and it literally costs a fraction of other forms of life insurance. The Road to Wealth: A Comprehensive Guide to Your Money, Suze Orman

Today1. Young children2. High debt3. House mortgage

Loss of income would be devastating

At Retirement1. Grown children2. Lower debt3. Mortgage paid

Retirement income needed

How Life Works

The Theory of Decreasing Responsibility

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What life insurance company do you know of that teaches people how to eliminate the need for life insurance?

Solution: Build Your Financial House

“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

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?

* Primerica Legal Protection program. Exclusions and limitations may apply. See plan for details. Primerica representatives do not provide legal, tax or estate planning advice.

Primerica Helps Families

Before PrimericaAuto & Home:Bob & Susan were paying $243 per month for Auto & Home insurance.

With Primerica SecureAuto & Home:*Comparing 24 top National Insurers at once. Saved: $65 per month and invested into a Roth IRASavings at age 65 with a 10% return is $150,000

*Not available in Canada.

Over the next few years, more than 76 million Americans will be entering retirement.

Are you one of them?

Investing at Retirement

Primerica Helps Families

Before PrimericaRetirement:Susan had $20,000 in an IRA at the bank earning 3%, with $100 per month contributions.

Accumulated savings at age 65 = $107,000

With PrimericaRetirement3

Rolled over IRA intomutual funds. Added savings from Life and Auto increased it to $273.

Accumulated savings at 10% at age 65 = $1,019,000

x 3%Income $3,021 a year

x 10%Income $100,000 a year

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Most people don’t plan to fail, they fail to plan.

100 People After Working From Age 25 - Age 65

100 people at age 65:54% dependent 36% working 5% deceased 4% OK ($1 million) 1% wealthy ($5 million)

Why do 95% fail when it comes to their finances?

1. No financial education 2. No financial game plan 3. No financial coach

Source: SmartMoney, 2001

1%4%

36%

5%

54%

How can I make Money$$$$

Make it a business for you and your family

How About Getting Paid to Train ?

4 Direct Recruits 4 Personal Life Sales

(Possibly Yours + Theirs)Receive your $1,000 and

Now You’re a District Trainer!To receive your 200, 300, and 400 bonuses you must have your life license and make a sale at which time the company will pay you all bonuses you have banked.

All you need to do is…

Primerica Will Pay You $1,000

Excellent Compensation PlanWhat You Would Have Earned — Based on the Bob & Susan “With Primerica” example

District Trainer: (Part Time)

Help a New Recruit Get Their $1,000 and You Make $1,7501 Rollover for $50,000 $700Total cash for the month: $2,450

Excellent Compensation PlanWhat You Would Have Earned — Based on the Bob & Susan “With Primerica” example

Regional Leader: (Part Time)Help a New Recruit Get Their $1,000 and You Make $2,450

Override: 2 District Leaders Training 1 Recruit to Get Their $1,000 and Make

$1,400

1 Rollover for $50,000 $850Total cash for the month: $4,700

Excellent Compensation Plan

Regional Vice President: (Full Time)

Override: 6 District Leaders Training1 New Recruit that Get Their $1,000 and Make

$14,500Half of the Team Do $50k Rollover

$6,000

Total cash for the month: $20,500Annual Income

$246,000

What You Would Have Earned — Based on the Bob & Susan “With Primerica” example

Senior Vice PresidentBase Shop:

6 District Leaders Training1 New Recruit to Get Their $1,000 and Make

$14,500Half of the Team Do $50k Rollover

$6,000Overriding 3 First Generation RVP’s

Each with 4 District Leaders Training1 New Recruit to Get Their $1,000 and Make$6,200 Half of the Team Do $50k Rollover

$6,000Bonuses on RVP’s $12,600Total cash for the month: $40,000

Annual Income $480,000

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 1977. The representatives are not necessarily achieving those levels at this time. The cash flow categories are not intended to demonstrate earnings of typical representatives. In the 12-month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to its sales force at an average of $5,296 per licensed representative. Most representatives do not reach the levels illustrated. 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.

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But you don’t know I have very little …

1. Time2. Money

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The Primerica Business Opportunity

Low upfront costs No inventory Financially solid Products people need We do what’s right – not what’s being hyped

..

$99Plus

$25/month

Cover your $25/mo cost of running your business with our cell phone discount

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If your average bill is $150/mo…

Savings of $33/mo

Savings of $40/mo

Savings of $25/mo

Savings of $18/mo

Check under POL under technology support for the correct online discount. If you are already receiving a discount and our company has a higher percentage you my switch to it. This is not a guarantee so check with your carrier before recruiting in with Primerica.

But you might say .. I failed more than once in my Life

Proverbs 24:16A righteous man falls seven

times but he rises again. Thomas Edsion : When trying to invent the light bulb : After 187 times he said ” I guess we found 187 ways it will not work”

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“One today is worth two

tomorrows."

When should I do this?

Ben Franklin said:

Abraham Lincoln said:

“Things may come to those who wait,…

but only the things left by those who hustle.”

How Fast Should I Start

46

What’s Next?

Submit your Independent Business Application (IBA + $99 initial licensing fee, $25/mo. Business Building Support System).

47

The 2nd thing I would suggest is to…

• Coach you on getting off to a Fast Start• Look at the different products and see where we can possibly save you money

Set up a time in the next 2-4 Days to sit down with the person who invited you to:

48

Get Your Business and Your Income off to a Fast Start

See Your Field Trainer For Details!

Learn how to earn your FAST START BONUSES of up to a

$1,000

The Five Reasons People Get Involved

1. They don’t like their current job and are looking for a career change & better income potential.

2. They love what they do… but earning extra part-time income each month would make a positive difference.

3. They want to get a financial education so they can learn how to win the money game.

4. They love helping people and making a difference.5. They dream of having their own business.

Can you see how most people would beinterested in at least one of these areas?

Compensation Payout

Starting out 25% com 4 x 4= District 50% com 2-4 x 4 = Division 60% com 2-Divisions= Regional Leader 70%

com 2-Regional Leaders= RVP 95% com