1. Get Fundamentally Sound

2. Simplify to Multiply

3. Today 1. Young children 2. High debt 3. House mortgage Loss of income would be devastating At Retirement 1. Grown children 2. Lower debt 3. Mortgage paid Retirement income needed How Life Works The Theory of Decreasing Responsibility

4. Income Replacement $1,000 per Month $120,000 Liquid Assets $120,000 $120,000 Invested at 6 - 8% will last for 20 – 25 years Withdrawal Schedule

5. The Power of Compound Interest The Rule of 72 This simple calculation gives you the approximate number of years it will take to double your investment. Based on the Rule of 72, a one-time contribution of $10,000 doubles four more times at 12% than at 4%. The table serves as a demonstration of how the Rule of 72 works and is only an approximation of accumulations. It is not intended to represent any specific investment, in which rates of return will fluctuate. How many doubling periods do you have in your life? ? Number of Years 4%6%12% 0$10,000$10,000$10,000 6$20,000 12$20,000$40,000 18$20,000$80,000 24$40,000$160,000 30$320,000 36$40,000$80,000$640,000

6. $1.3 Million 12% 3%$148,680 6% $286,370 “Compound interest is the most powerful force in the universe.” Albert Einstein, as quoted in Dow 40,000 by David Elias (1999) Rates of return are nominal rates, compounded monthly. Contributions are assumed to be made at the beginning of the month. The chart above is not indicative of any particular investment or savings vehicle. It does not take into consideration taxes or other applicable deductions. One of the biggest reasons people don’t save: too much debt $200 Monthly Savings for 35 Years Age 30 - 65

7. The hypothetical 10% rate of return and tax-deferred accumulation shown for both IRA accounts are not guaranteed or intended to demonstrate the performance of any actual investment. Unlike actual investments, the accounts show a constant rate of return without any fees or charges. Tax-deferred growth and any tax-deductible contributions are taxed upon withdrawal. Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Assumes payments are made at the beginning of compounding period with 10% rate of return compounded monthly. It pays to start early! Investor A AgeAnnual End of Year PaymentAccumulation 225,0005,520 235,00011,630 245,00018,370 255,00025,810 265,00034,040 275,00043,130 285,00053,170 29058,730 30064,880 31071,680 32079,180 33087,480 34096,640 350106,760 360117,930 370130,280 380143,930 390159,000 400175,650 410194,040 420214,360 430236,800 440261,600 450288,990 460319,250 470352,680 480389,610 490430,410 500475,480 510525,270 520580,270 530641,040 540708,160 550782,310 560864,230 570954,730 5801,054,700 5901,165,140 6001,287,150 6101,421,930 6201,570,820 Total Contributions: $35,000 Total Accumulation at Age 62:$1,570,820 Investor B AgeAnnual End of Year PaymentAccumulation 2200 2300 2400 2500 2600 2700 2800 29 5,000 5,520 30 5,000 11,630 31 5,000 18,370 32 5,000 25,810 33 5,000 34,040 34 5,000 43,130 35 5,000 53,170 36 5,000 64,260 37 5,000 76,510 38 5,000 90,050 39 5,000 105,000 40 5,000 121,520 41 5,000 139,760 42 5,000 159,920 43 5,000 182,190 44 5,000 206,790 45 5,000 233,970 46 5,000 264,000 47 5,000 297,160 48 5,000 333,800 49 5,000 374,280 50 5,000 419,000 51 5,000 468,390 52 5,000 522,960 53 5,000 583,250 54 5,000 649,850 55 5,000 723,420 56 5,000 804,690 57 5,000 894,480 58 5,000 993,660 59 5,000 1,103,240 60 5,000 1,224,280 61 5,000 1,358,010 62 5,000 1,505,730 Total Contributions: $170,000 Total Accumulation at Age 62:$1,505,730 When does $35,000 exceed $170,000?

8. The Mountain Chart ICA Guide

9. The Training Process 1. Licensing 2. Classroom Training 3. 1 – on – 1 Training

10. 10 Qualified Field Training Appointments DateClientDateClient 16 27 38 49 510 1 – on – 1 Sessions DateMeetingDateMeeting OrientationGoal Setting Fast Start PlannerPrimerica Online Personal FNALadder of Leadership 1 st 30 Days

11. Top 25 Training List Top 10 = 10 Appts. 6 Clients3 Recruits 3 New Recruits Top 30 x 3 = 30 Appts. 18 Clients9 Recruits 9 New Recruits Top 10 x 9 = 90 Appts. 54 Clients27 Recruits 27 New Recruits Top 10 x 27 = 270 Appts. 162 Clients81 Recruits

12. Compound Recruiting YOU 1 123 2 123 3 123 WEEK 1 Week 2 3 3 3 3 33 3 3 3 9 9 9 9 99 9 9 9 27 27 27 27 2727 27 27 27 81 81 81 81 8181 81 81 81 Week 3 Week 4 Week 5 Week 6