Primerica

The largest independent financial services marketing organization in North America

Member of the New York Stock Exchange (PRI) In business since 1977 More than 2 million clients maintain

investment accounts with us Over 4.3 million lives insured through our

company

Our Mission

To help families become properly protected, debt free and

financially independent

Today’s Financial Statistics

“The average American family carries $8,000 to $10,000 in credit card debt.”— CNNMoney.com, April 16, 2009

“Overall, 61% (of survey respondents) said they always or usually live paycheck to paycheck…”— CNBC.com, September 16, 2009

“U.S. foreclosure actions shattered all records in 2009 and will do so again this year.”— Reuters.com, January 14, 2010

Today’s Financial Statistics

43% of American workers say they have less than $10,000 in savings.— Money.com, March 9, 2010

“68 million adult Americans have no life insurance.”— National Underwriter, October 8, 2007

46% 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 2010 Retirement Confidence Survey

How Primerica Helps Families

Before PrimericaDebt:$165,000 1st mortgage balance; payoff in 24 years.

$13,000 on three credit cards; payoff in 58 years.

With PrimericaDebt:1

Make payments following a self‑customized Primerica DebtWatchers™ Fast Pay Plan to pay off mortgage and all credit cards in 20 years.

Saves four years of payments and over $56,000 in interest!(with $0 extra payment)

Bob Smith, Age 35 and Wife, Susan, Age 33 Have Two Children

How Primerica Helps Families

Before PrimericaLife Insurance:2

$300,000 face amount of cash value life insurance on both Bob and Susan.No protection on the children.Total monthly cost: $298*

With PrimericaLife Insurance:3

$300,000 coverage on Bob$300,000 coverage on Susan and $25,000 on each of the children

Total monthly cost: $123Saved: $175 per month*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.

Bob Smith, Age 35 and Wife, Susan, Age 33 Have Two Children

How Primerica Helps Families

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

With PrimericaAuto & Home:*Saved: $65 per month on their auto and home insurance

*Not available in Canada.

Bob Smith, Age 35 and Wife, Susan, Age 33 Have Two Children

How Primerica Helps Families

Before PrimericaRetirement:Bob & Susan had $20,000 in an IRA at the bank earning 3%, with $100 per month contributions.Accumulated savings at age 65 = $131,420

With PrimericaRetirement4

Rolled over IRA into mutual funds. Monthly contributions increased to $300.

Accumulated savings at 10% at age 65 = $1,148,000Extra invested: $200 per month

Bob Smith, Age 35 and Wife, Susan, Age 33 Have Two Children

How Primerica Helps Families

Before PrimericaPLPP:Bob & Susan had no will and no access to a respected, full‑service law firm.

With PrimericaPLPP:5

Bob & Susan get a will and access to a respected, full‑service law firm.

Bob Smith, Age 35 and Wife, Susan, Age 33 Have Two Children

Primerica, one of the greatest part‑time and full‑time opportunities in North America today…

“Average 2010 raises will barely cover inflation.”— DailyFinance.com, February 9, 2010

“Yearly job loss worst since 1945.”— The Wall Street Journal, January 10, 2009

Excellent Compensation System6

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

District Leader: (Part Time)Personal: (5 clients per month)

5 Life Sales, 3 IRA Rollovers, 1 Primerica DebtWatchers™,

2 A&H, 2 PLPP

Total cash for the month: $4,870

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

Regional Leader: (Part Time)Personal: (5 clients per month)

5 Life Sales, 3 IRA Rollovers, 1 Primerica DebtWatchers™,

2 A&H, 2 PLPP$6,585

Override: (2 District Leaders – 6 clients combined)6 Life Sales, 3 IRA Rollovers, 3 Primerica

DebtWatchers™, 3 A&H, 2 PLPP

$2,027Total cash for the month: $8,592

Excellent Compensation System

Regional Vice President: (Full Time)Personal: (5 clients per month)

5 Life Sales, 3 IRA Rollovers, 2 Primerica DebtWatchers™,

2 A&H, 2 PLPP$9,147

Override: (6-8 District Leaders – 25 clients combined)25 Life Sales, 10 IRA Rollovers, 6 Primerica

DebtWatchers™, 6 A&H, 6 PLPP, $19,223Life Bonus $8,913Total cash for the month: $37,283

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

Four Ways to Earn Income

EmployeeHas a job.

Income based on position,not the person.

Self EmployedOwns a job.

Dentist, doctor, lawyer, hair stylist, real estate agent,

salesperson.

BusinessOwns a system

Has others working for them. Unlimited income potential

via manufacturing, marketing, etc.Investor

Has money working for them.

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 information purposes only. Not for any product solicitation.

A Track Record of Success … with Tremendous Momentum

15

Since 1977 New Since 2000

Are you next?Cumulative Number of Earners

In 2009, Primerica paid $515 million to its sales force.

Personal IncomeOver $50,000Over $100,000Over $1 millionOver $2 millionOver $5 million

5,3002,532

6317

1

2,7611,391

3261

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. 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 2009, Primerica’s sales force consisted of approximately 100,000 life-licensed representatives, to whom the Company paid a total of $515,691,076 in compensation, an average of $5,156 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.

PrimericaFreedom Lives

Here™

Endnotes

Primerica DebtWatchers™ is a trademark of Primerica Client Services, Inc.

Primerica, representatives of Primerica, Equifax and Primerica DebtWatchers will not act as an intermediary between Primerica DebtWatchers customers and their creditors and do not imply, promise or guarantee that credit files or credit scores will or may be improved, repaired, boosted, enhanced, corrected or increased by use of the Primerica DebtWatchers product. See www.my.primerica.com for additional Important Disclosures.

Primerica representatives market term life insurance underwritten by the following companies in these respective jurisdictions: National Benefit Life Insurance Company, Home Office: Long Island City, NY, in New York State: Primerica Life Insurance Company, Executive offices: Duluth, GA, in all other US jurisdictions; Primerica Life Insurance Company of Canada, Home Office: Mississauga, Ontario, in Canada.

1 Based on the assumption that the consumer makes minimum monthly payments, the APR for the mortgage is 6.0% and the APR on each of the three credit cards is 19.8%. Assumes no additional debt is incurred.2 Monthly premium 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, etc., 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.3 Using Primerica’s Custom Advantage 35 (form CS35); Primary: male, age 30, preferred plus, Spouse: female, age 30, preferred plus. 4 This example is for illustrative purposes and does not represent an actual investment. This example shows a constant rate of return, unlike actual investments which will fluctuate in value. It does not include fees and taxes, which would lower results. Distributions before 59 ½ may be subject to a 10% tax penalty. Consult your tax advisor with any questions. Rates of return used in the above illustration are hypothetical and do not represent the returns of an actual investment, which will fluctuate in value. The figures show a 10% nominal rate of return compounded monthly and do not take into consideration taxes or other factors.5 $25.00 per month.6 Compensation examples are based on 2‑year advances in full‑benefit states for the PLPP product. Representatives of Primerica are independent contractors and are paid commissions on sale of products. Life commissions are based on a 75% advance. Life Bonus is based on 67% QBI.

© 2010 Primerica41541/9.10/08PFS160-18