© 2014 Primerica/US/48140/8.14/14PFS336-2

What We Were All Taught From Childhood: How’s that working out so far? 2

How Does Life Look Today? 3 The unemployment rate for those under 25 is typically at least twice the national average. USAToday.com, May 19, % of Americans live paycheck-to-paycheck. Money.CNN.com, June 24, 2013 Debt forces college grads to move back home. DailyLocal.com, July 13, 2014 People continue to struggle to secure good-paying full-time jobs in line with their education levels. BusinessInsider.com, June 18, 2014

Primerica: A Different Way The traditional system is broken. (college ≠ good job) What system works? Entrepreneurship Having your own business is the best way to make a positive impact over time. 4

How Many of You Have Ever Thought About Going Into Business? Three Reasons People Don’t Go Into Business for Themselves They don’t have the capital. They don’t have the knowledge. Fear >>>>>> No big investment to get started. Learn as you go. No risk to your current career. 5

Be An Entrepreneur “The more an individual is worth, the higher the likelihood that entrepreneurship was the primary source of wealth.” Entrepreneurship.org, viewed June 26,

Definitely Convinced there has to be a better way? Background image Definitely Convinced there has to be a better way? Very tired Tired of just making ends meet? Sick of it Sick of living pay- check-to-paycheck? Uninterested Uninterested in working a 9-5 to 65? 7 Are You?

Which Plan Do You Prefer? 20 years40-50 years10-15 years Education90% work at a jobFreedom — retirement 20 years5-10 years years Education10% build FREEDOM a business 8

What Does Freedom Mean To You? 9 Dream Homes Charities Travel Hobbies Dream Cars Family & Friends Education

On a Scale of 1-10, How Important Are Your Goals? If your income isn’t enough to achieve your current goals and dreams, you have three choices: Give up on your goals and dreams. Ask your boss for a major raise. Do something in addition to your current career. 10

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Some of the Well-known Companies We Do Business With 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 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. In 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. 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. 13

Build a Business at Primerica WHEN You Want Set your own hours and keep your own schedule. When you work is up to you. Start part-time with no risk to your current career. WHERE You Want Have unrestricted territory, move and live where you want. HOW You Want You have the opportunity to earn as much as you want with no caps on what you make. You earn commissions by selling products everyone needs.* WITH People You Want Work with a Partner.* They can be a spouse, family member or friend. It’s more fun to do meaningful work with people you care about. Keep a healthy work/life balance. 14 *See important disclosures on the end notes page.

Most People Don’t Plan To Fail, They Fail To Plan How wise is it to take a road trip without a roadmap or GPS? 15 A Financial Needs Analysis is a Financial GPS How many people could benefit from a Financial GPS?

Years3%6%12% The Rule of 72 Divide your interest rate into 72 to find the approximate number of years it takes for money to double! 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. 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? $20,000 $40,000 $10,000 3% $20,000 $40,000 $80,000 $160,000 $320,000 $640,000 $1,280,000 $2,560,000 $10,000 12% $20,000 $40,000 $80,000 $160,000 $10,000 6% 16

Our Target Market Our goal is to serve the middle market, and despite all of our tremendous achievements, we have barely scratched the surface of our market share. 2.00% — ACLI Fact Book, 2012 Primerica is uniquely positioned to dominate the market. 17

Start Part-Time District Leader Help two clients = $1,932 a month 18 The income example of $1,932 assumes 2 life sales, 1 IRA rollover, 1 Primerica DebtWatchers, 1 A&H and 1 PLPP, for products in amounts specified in A & B example on prior slide. 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 licensed representative.

Regional Leader: Part-Time Personal: 4 clients in one month Equals: $4,978 Total cash for the month: $6,864 The personal income example of $4,978 assumes 4 life sales, 2 IRA rollovers, 1 Primerica DebtWatchers, 1 A&H and 1 PLPP, for products in amounts specified in A & B example on prior slide. The override income example of $1,886 assumes 6 life sales, 2 IRA rollovers, 2 Primerica DebtWatchers, 2 A&H and 2 PLPP, for products in amounts specified in A & B example on prior slide. 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 licensed representative. Override: 2 District Leaders 6 clients in one month Equals: $1,886 19

Regional Vice President: Full Time Personal: 3 clients in one month Equals: $6,136 Total cash for the month: $13,956 Override: 2 Regional Leaders 10 clients combined Equals: $6,494 Bonus: $1,326 * The personal income example of $6,136 assumes 3 life sales, 2 IRA rollovers, 1 Primerica DebtWatchers, 1 A&H and 1 PLPP, for products in amounts specified in A & B example on prior slide. The override income example of $6,494 assumes 10 life sales, 4 IRA rollovers, 2 Primerica DebtWatchers, 2 A&H and 2 PLPP, for products in amounts specified in A & B example on prior slide. 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 licensed representative. * Life Bonus is based on 69% QBI and 10% Base Shop Bonus Rate, assuming average premium per policy of $1,

Next Steps 21 1 Fill out your application and qualify to work with Primerica. 2 Book a time to review your own financial game plan. 3 Get your business plan set up, start field training and get on the road to financial freedom.

What’s Worse? 22 Pain of Change OR Pain of Regret