Referrals/Earn Your Business/Expansion Not to be used in New York. © 2012 Primerica/43934/3.12/US/11PFS648-5

Questions Do you like helping people? Have you ever thought about being your own boss? What are a few of your immediate goals & dreams? How important are those goals & dreams to you? If we could help you reach those goals, how soon would you want to get started? Are you willing to start part-time? Is there someone else you need to speak to before making a decision today? Is there anything in your background that would prevent you from getting a State license? Would you have a problem paying the $99 background check fee?

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 100,000 Licensed Reps $5 Billion in reserve capital Debt Free Listed on NYSE (PRI)

Supermarket of Financial Services Debt Solutions1,2 Life Insurance Managed Accounts Annuities1,3 Primerica DebtWatchers™ ® 401(k) Plans1,3 Auto & Home Insurance Referral Program Quotes from such companies as: Travelers Safeco Progressive Mutual Funds3,5 Legal Protection Long Term Care 4

Our Mission “Help families become Properly Protected, Debt Free and Financially Independent”

Bob And Susan Smith (Ages 35 And 33) With Two Children Before Primerica Debt1: Bob and Susan had $165,000 1st mortgage loan balance; payoff in 24 years and had a total balance of $13,000 on three credit cards; payoff in 58 years (Age 93). Debt free? Life Insurance2: $150,000 coverage on Bob $150,000 coverage on Susan No protection on the children. Total monthly cost: $298* PLPP: Bob & Susan had NO WILL. Auto & Home: Bob & Susan were paying $243 per month for auto & home insurance. Retirement: Bob & Susan had $20,000 in an IRA at the bank earning 3%, with $100 per month contributions. Accumulated savings at age 67 = $116,000 With Primerica Debt1: They enrolled in Primerica DebtWatchers™, and created a Fast Pay Plan to eliminate all credit card debt, save four years of mortgage loan payments and over $56,000 in total interest. (with $0 extra payment) Debt free at age 55 Term Life Insurance3: $300,000 coverage on Bob, $300,000 coverage on Susan and $25,000 on each of the children. Total monthly cost: $123 Saved: $175 per month PLPP4: Bob & Susan SET UP A WILL and got access to a respected, full-service law firm ($25 per month) Auto & Home: Now they pay $178 per month Saved: $65 per month on their auto and home insurance Retirement3: Rolled over $20,000 IRA into mutual funds. Monthly contributions increased to $300. Accumulated savings at 9% at age 67 = $1,022,000 Extra invested: $200 per month A or B If you could earn $1300 - $1700 each time you moved a client from Plan A to Plan B, would that interest you ? See important assumptions and disclaimers on notes page.

District Leader: Part-Time If you showed the A and B example to 10 families, how many out of 10 would switch from A to B? Personal: 5 clients in one month 5 life sales 3 IRA rollovers 1 Primerica DebtWatchers™ 2 A&H 2 PLPP Total cash for the month: $4,868 And even if you did about half of that, you could still earn $2,628! If you could potentially earn $20,000 to $40,000 a year part-time without jeopardizing your job, would that interest you? The income example of $2,628 assumes 3 life sales, 1 IRA rollover, 1 Primerica DebtWatchers™, 1 A&H and 1 PLPP, in amounts and for products specified in A & B example on prior slide. In the 12-month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to its sales force, at an average of $5,544 per licensed representative.

Regional Leader: Part-Time Personal: 5 clients in one month 5 life sales 3 IRA rollovers 1 Primerica DebtWatchers™ 2 A&H 2 PLPP Equals: $6,545 Override: 2 District Leaders 6 clients in one month 6 life sales 3 IRA rollovers 3 Primerica DebtWatchers™ 3 A&H 2 PLPP Equals: $1,973 Total cash for the month: $8,518 Once you reach $50,000 to $80,000 a year in income, would you consider making a career change? In the 12-month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to its sales force, at an average of $5,544 per licensed representative.

Regional Vice President Personal: 5 clients in one month 5 life sales 3 IRA rollovers 1 Primerica DebtWatchers™ 2 A&H 2 PLPP Equals: $9,065 Override: 6-8 District Leaders 25 clients in one month 25 life sales 10 IRA rollovers 6 Primerica DebtWatchers™ 6 A&H 6 PLPP Equals: Bonus: $18,989 $8,913 Total cash for the month: $36,967 In the 12-month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to its sales force, at an average of $5,544 per licensed representative.

What would keep you from getting started? 1. Fill out your Independent Business Application (IBA) — $99 Value includes: State license fee Exam fee Fingerprint/background check PFSU pre-licensing Total: worth approximately — $1036 Total fees vary for each state 2. $25/month for Primerica Online — Online Business Support System Value includes: Cell phone discount $100-$250/year Your own website and business reports $600 Access to live and on-demand video training $400 Qualify to have securities license paid for $500 Morningstar financial analysis software* $4,000/year Total: worth approximately — $6,000 *Must be securities licensed 3. Get off to a fast start! Qualify for a bonus up to $300 when you get trained, licensed and producing. (See company brochure for details.) 4. Keys to success • Submit your IBA with $99 • Show up to all training meetings • Attend pre-licensing and get insurance licensed • Go on 10-15 Field Training Observations in your first 30 days • Complete a Financial Needs Analysis to get your family’s financial game plan started What would keep you from getting started?

Today’s Financial Challenges: “Average credit card debt among households with balances on their cards: $15,788.” AARP Bulletin, July-August 2013 U.S. foreclosure actions have shattered all records… and will do so again this year. Reuters.com, January 14, 2013 68 million Americans have no life insurance. LifeHealthPro.com, June 14, 2013 43% of American workers say they have less than $10,000 in savings. Money.com, March 9, 2013 45% 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 2011 Retirement Confidence Survey Nearly eight in 10 (77 percent) workers report that they live paycheck to paycheck to make ends meet. Career Builder Survey, 2013 The typical American household made less money last year than the typical household made a full decade ago. “A Decade With No Income Gains,” The New York Times, September 10, 2012 How real and serious are these problems? We have the solutions!

DO YOU WANT YOUR LIFE BACK? DREAM VS REALITY Saving Money Taking A Vacation Helping Parents/Kids Debt Free Living the Dream Being your own boss Unlimited Income Ownership Paycheck to Paycheck Limited Trips Depending on Parents Slave to Creditors Living the Nightmare Be told what to do Limited Income Loanership DO YOU WANT YOUR LIFE BACK?

BUSINESS OWNERSHIP IS THE KEY 543,000 motivated people start a small business each month. There are almost 28 million small businesses in the US and over 22 million are self employed with no additional payroll or employees (these are called non-employers) Small businesses have generated over 65% of the net new jobs since 1995 52% of all small businesses are home-based 19.4 million non-employer businesses are sole proprietorships, 1.6 million are partnerships and 1.4 million are corporations Total revenues from non-employers hit $989.6 billion in 2011 (up 4.1% from 2010) Average start-up cost is $10,000 - $250,000

Entrepreneurial growth from a recession DON’T GET TOO EXCITED YET…

“80% OF NEW BUSINESS START-UP FAIL IN THE FIRST 5-YEARS” REALITY CHECK “80% OF NEW BUSINESS START-UP FAIL IN THE FIRST 5-YEARS”

3 Alternatives DIRECT SALES FRANCHISING NETWORK MARKETING

DIRECT SALES ADVANTAGES: HIGHER UPFRONT COMPENSATION NO TEAM REQUIRED PERFORMANCE BASED LINEAR INCOME DISADVANTAGES: NO RESIDUAL INCOME SELF-EMPLOYED SPECIALIZED SKILLS & TALENTS NO GENERATIONAL OVERRIDES

FRANCHISING ADVANTAGES: PROVEN SYSTEM CORPORATE SUPPORT BRAND RECOGNITION PRIME LOCATIONS DISADVANTAGES: HUGE UPFRONT CAPITAL WORK LONG HOURS HIGH EMPLOYEE TURNOVER (300%) NO TRANSFER OF OWNERSHIP

NETWORK MARKETING ADVANTAGES: LOW INITIAL INVESTMENT NO EMPLOYEES LITTLE TO NO BUSINESS EXPENSES FLEXIBLE HOURS DISADVANTAGES: SELF CONSUME 85% OF THE INVENTORY 1000’S OF REPS TO MAKE 100’S OF DOLLARS MANDITORY MONTHLY AUTO-SHIP PERSONAL SALES QUOTA

HYBRID TURN-KEY SYSTEM TAKE THE BEST AND LEAVE THE REST… HIGHER UPFRONT COMPENSATION NO TEAM REQUIRED PERFORMANCE BASED LINEAR INCOME PROVEN SYSTEM CORPORATE SUPPORT BRAND RECOGNITION PRIME LOCATIONS LOW INITIAL INVESTMENT NO EMPLOYEES LITTLE TO NO BUSINESS EXPENSES NO QUOTA’S – NO DEMOTIONS NO MONTHLY MEMBERSHIP FEE’S

Primerica 37-year proven track record #1 rank of in-force term life premium 4.3 million lives insured 2 million investment clients $31 billion in assets under management Accredited member of the Better Business Bureau Doing business in one of the most highly regulated industries Rated A+ Primerica Life’s, National Benefit Life’s and Primerica Life Insurance Company of Canada’s financial strength is rated A+ (Superior) by A.M. Best, the oldest and most prominent rating agency in the industry.* *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. 21

A Market Indicator Primerica has replaced The Shaw Group in the Standard & Poor’s MidCap Index. The change became effective after the close of trading on Feb. 12, according to S&P. Companies included in the S&P MidCap 400 must have a total market capitalization between $750 million and $3 billion. Primerica currently has a market capitalization of approximately $1.9 billion.

Referrals/Earn Your Business/Expansion Not to be used in New York. © 2012 Primerica/43795/1.12/11PFS648-2