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Traditional Career Path vs. PRI Traditional Career Path vs. PRI SystemSystem

18-19 Years High School

College 2-5 years

Cost $10,000/yr public

21-22 yrs of age

Internship: 6 months

Min Wage or Pro bono

JOB: $30,000/yr

Bottom 90%

Takes a very long-time

Might get lucky!

100,000 Licensed Reps

> 20,000 Securities Reps

5,000 Financial Advisors

> 4,000 Reg. Vice Presidents

> 2,600 $100,000+ income

TOP 10% of Income Earners

E-mentality/ B-mentality

COACH SYSTEM: 30-90 days

Education->Training-> Business

RVP in 9-18 Months

TRADITIONALTRADITIONAL PRI SYSTEM PRI SYSTEM

Two Fundamental Two Fundamental Questions: Questions:

1. Why Financial Services?

2. Why Primerica?

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4

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Track Record of Success With Track Record of Success With MomentumMomentum

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 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 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.

Since 1977 New Since 2000Cumulative Number of Earners

Personal Income

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

5,3922,562

63171

2,8541,440

3261

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PrimericaPrimerica

The largest independent financial services marketing

organization in the world – over 100,000 representatives Serves more than six million clients in the United

States and Canada In business since 1977 The largest mutual fund sales force in North America

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We Are a One-Stop Financial Supermarket We Are a One-Stop Financial Supermarket

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

®

Life Insurance

Debt Solutions1,2

Legal ProtectionLong Term Care

Auto & Home InsuranceReferral Program

Mutual Funds3,5

Quotes from such companies as:

Travelers Safeco

Progressive

See endnotes pages for important disclosure.

Managed Accounts1,4

401(k) Plans1,3

Annuities

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Listed on the New York Stock Exchange

(PRI)

PrimericaPrimerica

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Mission Statement:Mission Statement:

To To HelpHelp Families Become Families Become Debt-Free, Debt-Free,

Properly Protected and Properly Protected and Financially IndependentFinancially Independent.

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The Headlines Tell The StoryThe Headlines Tell The Story

Six in 10 workers say that they are living paycheck to paycheck.CareerBuilder.com Survey

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

AARP Bulletin

More than half of Americans have no emergency savings.Time.com

Bankruptcies topped 1.5 million in 2010. CNNMoney.com

68 million Americans have no life insurance.LifeHealthPro.com

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

How Real and Serious are these problems?How Real and Serious are these problems?

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100 People After Working From Age 25 - Age 65100 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

1%4%

36%

5%

54%

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WHAT WE BRING TO THE TABLEWHAT WE BRING TO THE TABLE

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WHAT WE BRING TO THE TABLEWHAT WE BRING TO THE TABLE

Licensed and Trained Licensed and Trained Representatives use a Representatives use a

Team approach Team approach to help families to help families reach their goalsreach their goals

2- A Financial Coach2- A Financial Coach

PP/SR/33638/7.06/V6.0/02PFS344-28Shouldn’t Everyone have an Financial Needs Analysis (FNA)?

The Solution:The Solution: A Financial Needs Analysis (FNA)

A customized, confidential, complimentary program that helps achieve your goals & dreams.

The FNA provides The FNA provides Solutions in…Solutions in…

• SavingsSavings• Income ProtectionIncome Protection

• Debt EliminationDebt Elimination• Income ManagementIncome Management• Tax ManagementTax Management

The Problem:The Problem:Traditional financial institutions

sell you products, they don’t provide you with a total solution.

WHAT WE BRING TO THE TABLEWHAT WE BRING TO THE TABLE

3 - A Financial GPS…the FNA3 - A Financial GPS…the FNA

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An Example of How We Help An Example of How We Help FamiliesFamiliesBob Smith, Age 35 & Wife Susan, Age 33 Have Two Bob Smith, Age 35 & Wife Susan, Age 33 Have Two ChildrenChildren

BEFO

RE

AFT

ER

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 30 years at a 10% 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

*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 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.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. 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

Debt

•24 years left on $165,000 1st mortgage

•$13,000 on 3 credit cards; payoff in 58 years

Life Insurance2

•$150,000 coverage on Bob

•$150,000 coverage on Susan

•No protection for kids

•Monthly cost: $298*

Auto & Home

•Bob & Susan paying $243 per month for Auto & Home Insurance

Retirement

•$20,000 in IRA at bank earning 3% with $100 per month contributions

•Accumulation @ age 65 = $107,000

Debt1

•Customized Primerica DebtWatchers™ Fast Pay Plan allows all debt to be paid off in 20 years

•Saves 4 years of mortgage payments and over $56,000 in total interest (with $0 extra in payment)

Life Insurance3

•$300,000 coverage on Bob

•$300,000 coverage on Susan

•$25,000 coverage on each child

•Total monthly cost = $123

•Saving $175 per month

Auto & Home

•Saved them $65 per month for Auto & Home Insurance policies

Retirement3

•Roll over IRA into Mutual Funds

•Monthly contributions increased to $300

•Accumulated savings at 10% at age 65 = $1,080,000

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Our ChallengeOur Challenge

Our challenge is not our competitors. It is not a lack of market. Families are desperate “what we do”.

Our Challenge: Our Challenge:

We need more people to serve this market and help these families.

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We Offer Three Ways to Make More Money:We Offer Three Ways to Make More Money:

1.1. Non Licensed -Part-time Non Licensed -Part-time $800+ per month $1600+/mo

(Based on 2 families/wk)

2. 2. Part TimePart Time (obtain a License)

$1600+ per month $3200+/mo (Based on 2 families/wk)

3. 3. Business OwnershipBusiness Ownership (Fully Licensed)$6000-$10,000+ per month(Based on 2 personal families/wk with a team of 5 that also do

2 /wk each.)

Fast Start Bonus

..............You can earn a

potential $500

getting started with us.

In the 12-month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to the sales force at an average of $5,296 per licensed representative.

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What You Would Make

ProductDistric

tRegiona

lRVP

Non-Licensed (Pre-Launch)

Primerica DebtWatchers™

Life Insurance

Auto & Home

Investments

Total

Helping People = Making Money

$50$400$84

$468$1002

$52$560$93

$568$1,273

$57$760$127$829

$1,773

Override ----------$271-----------$771--------

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Primerica: Where Dreams Come True

Take Action

• Complete an FNA and put your own financial program in place

• Take the first step toward financial independence• If you like helping people and are willing to learn,

find out what the next step is to qualify

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Schedule a follow-up appointment with a manager

At the follow-up interview you can expect:

1. Review everything

2. Answer your questions

3. Ask you about your background, skills, & ambitions, etc.

4. If there is a mutual interest, we will fill out background information

Is there anything in your background that would prevent you from qualifying?

What’s the Next Step?