BUSINESS EXPANSION PRESENTATION PRIMERICA Started in

BUSINESS EXPANSION PRESENTATION

PRIMERICA • Started in 1977 • Listed on the New York Stock Exchange (PRI) • The largest independent financial services marketing organization in North America • Insures more than 4. 3 million lives • More than 2 million clients maintain investment accounts with us Primerica refers to Primerica and its affiliated companies.

The Answer for Families in North America Is… Primerica Mission Statement Help Families Earn More Income and Become Properly Protected, Debt Free and Financially Independent Properly Protected: We are the largest life insurance sales force in North America. Debt Free: Primerica offers solutions that help Main Street families get out of debt faster and save thousands in interest payments. Primerica and PFS Investments are affiliate companies. 3 Financially Independent: PFS Investments We are the largest Mutual Fund licensed sales force in the United States.

We Are A One-Stop Financial Supermarket With Home Delivery! Auto & Home Insurance Referral Program Life Insurance Long Term Care Annuities 1, 3 Quotes from such companies as: Safeco and Progressive 401(k) Plans 1, 3 Debt Solutions 1, 6 Referrals by Primerica Client Services, Inc. to Mutual Funds 3, 5 Primerica Debt. Watchers™ 1, 2 Offered by Primerica Client Services, Inc. through contractual agreement with ® Legal Protection 4 Managed Accounts 1, 4 1 Not all products/services available in all states or provinces. A representative's ability to market products from the companies listed is subject to state and federal licensing and/or certification requirements. 2 Not available to residents of Washington, D. C. 3 In the United States, securities are offered by PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, Georgia 30099 -000 I. 4 PFS Investments Inc. (PFSI) is an SEC Registered Investment Adviser doing business as Primerica Advisors. PFSI is a member of FINRA and SIPC. Lockwood Advisors, Inc. (Lockwood) is an SEC Registered Investment Adviser and an affiliate of Pershing LLC, each subsidiaries of The Bank of New York Mellon Corporation (BNY Mellon). Pershing LLC, member FINRA, NYSE, SIPC. SEC registration neither implies nor asserts the SEC or any state securities authority has approved or endorsed PFSI or Lockwood or the contents of this disclosure. ln addition, SEC registration does not carry any official imprimatur or indication PFSI or Lockwood have attained a particular level of skill or ability. Neither Lockwood or BNY Mellon is affiliated with Primerica. 5 In Canada, mutual funds are offered by PFSL Investments Canada Ltd. , mutual fund dealer, Segregated funds are offered by Primerica Life Insurance Company of Canada. See notes page for important company affiliations and other disclosures. 6 Neither PCS nor its representatives offer or provide services such as credit repair or improvement, debt or credit counseling, debt settlement or other similar services.

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! 72 ÷ % = years to double • 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? 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. 5

MAKE THE RIGHT CHOICE FOR YOUR FAMILY CASH VALUE LIFE INSURANCE BUY TERM & INVEST THE DIFFERENCE • Life Insurance & Investments bundled together • Life Insurance & Investments are separate • Yields a lower rate of return on investment portion (4 -7%) • Market rate of return on Investment (10% average) • You must borrow & pay interest to access your cash value (5 -8%) • Do not have to borrow or pay interest to access your Investments • Upon death, your family receives your face amount of coverage, but not your cash value, in most cases • Upon death, your family receives the face amount of your term insurance plus your Investments

Separate Your Insurance and Savings Does your auto insurance have a savings program? ife nce L a ur ns I gs in av S 7 Does your health insurance have a savings program? Does your homeowner’s insurance have a savings program? Why should your life insurance have a savings program? We teach people how to separate their insurance and their savings.

SUZE ORMAN • “I strongly believe that term is the best insurance for the vast majority of people, and it literally costs a fraction of other forms of life insurance. ” • The Road to Wealth: A Comprehensive Guide to Your Money

Buy Term and Invest the Difference Cash Value Insurance Before Primerica John Mary Children Total Protection Monthly Premium $75, 000 0 $150, 000 $114 Changed to Primerica’s Term $300, 000 $ 10, 000 $610, 000 $77 Difference = $37/month! Four times the coverage for $37 LESS per month! Invest the Difference $37 monthly savings invested at 10% for 32 years=$103, 900 at age 67 “Cash value life insurance is one of the worst financial products available. ” Dave. Ramsey. com, “The Truth About Life Insurance, October 25, 2010 “Term insurance is pure protection, like fire insurance or auto insurance. Its sole function is to support your family if you die. You can buy large amounts of coverage for most amounts of money-and big policies are what your spouse and children need. ” , Making the Most of Your Money Now , Jane Bryant Quinn

The Theory of Decreasing Responsibility How Life Works Today At Retirement 1. Young children 2. High debt 3. House mortgage Loss of income would be devastating 10 1. Grown children 2. Lower debt 3. Mortgage paid Retirement income needed What life insurance company do you know of that teaches people how to eliminate the need for life insurance?

PRIMERICA OFFERS SOLUTIONS Primerica Legal Protection Primerica Debt. Watchers™ Primerica Secure Auto & Home Offered by Primerica Client Services, Inc. through contractual agreement with Do you have a current Will? Do you know your debt freedom date? Homeowners insurance is an important way to protect what is most likely your most valued possession, your home. Do you have any Traffic Violations or Motor Vehicle related incidents? Do you know your FICO®* Score? Do you have adequate protection for your possessions? Have you ever needed an Attorney to draft a letter or make a call on your behalf? Do you feel you have control of your credit score? Will you be able to replace your possessions due to fire or theft? Have you ever had to hire an Attorney and pay the contingency fee? Has anyone tried to steal your identity? How would you know? Do you have enough protection for your automobile?

Increasing Your Income College/Other Goals & Dreams

People Don’t Plan to Fail, They Fail to Plan The Problem: The Solution: Traditional financial institutions sell you products. They don’t provide you with a total solution. A Financial Needs Analysis. A customized, confidential and complimentary program that helps you achieve your goals and dreams. A Financial GPS It helps you find answers to important questions. 13

District Leader: Part-Time Personal: 2 Model FNAs per month = $2, 471 Total cash for the month: $3, 628 and override 3 people on your team doing 5 model FNAs per month The 2 personal model FNAs assume: 1 Auto referral ($55), 1 Primerica Debt. Watchers TM subscription ($48), 1 Primerica Legal Protection Program subscription ($80), 1 life sale ($600, 000 face amount, Custom Advantage 30 -year policy, issue ages 26 -45, and QBI of 70%), 1 IRA ($20, 000 rollover plus $300/month contributions, with a 4. 31% dealer reallowance). The 5 team model FNAs assume only the 1 Auto, 1 PLPP and 1 life sale. Assumes team of Sr Reps. See important endnotes on last page. From January 1 through December 31, 2013, Primerica paid a total of $536, 506, 140 in compensation to its sales force, at an average of $5, 614 per life licensed representative. In Canada, part-time is not available in all jurisdictions. Where it is available, it is subject to certain restrictions. 15 $1, 157

Regional Leader: Second Career Personal: 3 Model FNAs per month Equals: $4, 863 If your team does: Total cash for the month: 6 Model FNAs in one month Equals: $2, 316 $7, 179 Once you reach $50, 000 to $80, 000 a year in income, would you consider making a career change? The personal and team model FNAs assume: 1 Auto referral ($55), 1 Primerica Debt. Watchers TM subscription ($48), 1 Primerica Legal Protection Program subscription ($80), 1 life sale ($600, 000 face amount, Custom Advantage 30 -year policy, issue ages 26 -45, and QBI of 70%), 1 IRA ($20, 000 rollover plus $300/mo. contributions, with a 4. 31% dealer reallowance). Assumes team of District Leaders. See important endnotes on last page. From January 1 through December 31, 2013, Primerica paid a total of $536, 506, 140 in compensation to its sales force, at an average of $5, 614 per life licensed representative. 16

Primerica’s Business Model Broker = Regional Vice President (RVP) RVPs Max Out their Compensation: 1. 2. 3. 4. Commission = Advances and Earns Overrides Monthly Bonuses Residual Income (12 -b 1 fees) 5. Stock opportunities 6. Ownership As an RVP (12 clients/month) = $100, 000+/year RVP Agent Agent 50% 50% 50% 4 clients 2 clients 1 client Assumes each client has purchased: 1 Auto referral ($55), 1 Primerica Debt. Watchers. TM subscription ($48), 1 Primerica Legal Protection Program subscription ($80), 1 life sale ($600, 000 face amount, Custom Advantage 30 -year policy, issue ages 26 -45, and QBI of 70%), 1 IRA ($20, 000 rollover plus $300/mo contributions, with a 4. 31% dealer reallowance). See important endnotes on last page. The Ownership Program is subject to terms, conditions and applicable regulatory requirements. Please see POL for the Ownership Program documents and policies, which control in all respects. Which would you rather be — an agent or an RVP? 17

The Ultimate Goal: You’re an SVP! Your Income: $300, 000+ per year Building Distribution RVP earning $100, 000/year RVP earning $100, 000/year Assumes 12 clients in the RVP base shop and each downline RVP team, and each client has purchased: 1 Auto referral ($55), 1 Primerica Debt. Watchers. TM subscription ($48), 1 Primerica Legal Protection Program subscription ($80), 1 life sale ($600, 000 face amount, Custom Advantage 30 -year policy, issue ages 26 -45, and QBI of 70%), 1 IRA ($20, 000 rollover plus $300/mo contributions, with a 4. 31% dealer reallowance). See important endnotes on last page. The Ownership Program is subject to terms, conditions and applicable regulatory requirements. Please see POL for the Ownership Program documents and policies, which control in all respects. Earn income from all of your RVPs. Qualify for Ownership. Develop and promote as many RVPs as you want! 18

BASED ON WHAT I’VE SHARED WITH YOU, WHAT DID YOU LIKE THE MOST? • THE FINANCIAL PLAN • THE BUSINESS PLAN • A LITTLE BIT OF BOTH

Getting Started Now 1. Fill out your Independent Business Application (IBA) - $99 2. Online Support System (POL) - $25/mo. State Registration & Exam Fee* Background Check Fingerprint Fee (Paid For) PFSU (Licensing School) Testing Fee (Reimbursable)______ Cell Phone Discount $100 -$250/yr. Your own Website and Business Reports $600 Access to live & on demand video training $400 Qualify: Securities license paid for $600 Financial Analysis Morningstar Software $4, 000 Value Includes: Total (approximate): $600 Value Includes: Total: $5, 700 *Total fees may vary for each state 3. Earn While You Learn • Qualify for $300 Bonus 3 Recruits & 3 Training Sales - 30 Days Pass Life Exam – 90 Days 4. Keys to Success • Submit your IBA with $99 • Attend Weekly Training Meetings • Get Life-Licensed • Introduce Your Trainer To 12 Families in first 60 days What would keep you from getting started Right Now?

LET’S GET STARTED • COMPLETE AN INDEPENDENT BUSINESS APPLICATION • FNA DATA COLLECTION • ATTEND OUR FINANCIAL STRATEGIES SEMINAR