Marriage&

Money

Setting Up Your Financial Household

Marriage&

Money

What about the “moneymoon?”

It’s when the wedding is over and life together begins — including your financial life.

Marriage and Money checklist

Create a few simple plans in the beginning of your relationship.Create a household budget and stick to it!Pay down any debt accrued before you got married.Start saving for your future together.Plan for the unexpected. As a couple, create a total financial game plan.

35% Housing15% Transportation15% Debt25% Other10% Savings

Source: JeanChatzky.com, September 14, 2010

35%Housing

15%Transportation

15%Debt

20%Other

10%Savings

Create a budget you can both live with.

Learn the debt dos and don’ts.

DO break your bad debt habits. DON’T delay paying off credit cards completely. DO communicate honestly about your spending habits. DON’T abuse your credit.

Starting a new marriage with a huge debt load can be burdensome.

DO break your bad debt habits.

What’s more of a financial downer than debt?

Two people’s debt!

“Debt is the leading cause of family strife during the first few years of marriage, …”

FreeMoneyFinance.com, viewed July 28, 2010

DON’T delay paying off credit cards completely.

“The average American family carries $8,000 to $10,000 in credit card debt.

CNNMoney.com, April 16, 2009

DO communicate honestly about your spending habits.

“The recession has pinched consumers, putting additional pressure on money talks. If you are having battles over financial decisions with your spouse, then professionals suggest you start the conversation about your bigger goals.”

CNN/Money.com, viewed August 25, 2009

DON’T abuse your credit.

Impulse purchases can really hurt.“Overall personal bankruptcy filings hit 1.41 million last year, up 32% from 2008.”

WSJ.com, January 7, 2010

With DebtWatchers, you can see updated information about your credit file in one convenient online location, and see the date when all of your debts could be paid off.

Stay informed about your debt situation.

Primerica DebtWatchers™ is a product that can help you get a handle on monitoring your debt and allows you to create a plan towards eliminating it. Being in control and informed can pay off, because a good credit score can determine a lot of things today: whether or not you will be approved for credit what interest rate you will pay on loans the cost of your homeowner’s and car insurance utilities and cell phone company approval whether or not you will be approved to rent a house or apartment

Primerica DebtWatchers™ Empowers you to achieve debt freedom

Allows you to create a simple-to-understand plan for paying off your debt.

Automatically pre-fills information from your Equifax Credit Report™ into your plan

Your “Fast Pay Plan” will allow you to see how you can pay off your debts using debt stacking

Your personal plan is in front of you — offers structure and self-accountability

When you follow the plan that you create, it works.

Imagine being able to see the datewhen your debts could be paid off!

Primerica DebtWatchers™ Empowers you to achieve debt freedom

Plus More Great Features: Notifies you of key changes to your Equifax Credit

Report™ Access to 4 Score Power® Reports so you can see your

FICO® Score and Equifax Credit Report™ online Interactive Score Simulator to show you how your actions

may impact your score Includes Identity Theft Insurance*

*Identity theft insurance underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions.

Imagine how it would feel never to worry about debt again.

Save for a rainy day… and more.

Saving and investing is key. Emergencies: enough to cover 3 months of expenses Short-Term Goals: save up for big-ticket expenses Child’s Education: starting early makes a difference Retirement: Social Security can’t do it all

Saving for: emergencies

“48% of Americans said last year they only had enough resources to carry them for two months before experiencing any economic hardship.”

CNN/Money.com, July 22, 2010

It’s essential to have cash on hand.

Build an emergency savings fund equal to three to six months’ worth of living expenses.

CNN/Money.com, August 19, 2009

Saving for: short-term goals

Wants and Needs: Summer vacation New appliances Travel Big-ticket expenses

It’s better to pay cash than get lockedinto high-interest credit card debt.

Saving for: child’s education

Think about your child’s education Tuition and fees at private 4-year schools rose 4.4% in

the current school year to $26,273, according to a survey released by the College Board. Charges at public 4-year universities spiked over 6% for both in-state and out-of state students, to $7,020 and $18,548, respectively.

CNN/Money.com, October 20, 2009

The average debt for a graduate is now $23,000, that’s up from $13,000 12 years ago.

CBS News, November 5, 2009

Starting early makes a BIG difference.

Saving for: retirement

“Nearly three out of five middle-class retireeswill likely run out of money if they maintain their pre-retirement lifestyles and don’t reduce spending by at least 24%.”

BankRate.com, viewed July 28, 2010

The 2009 average monthly Social Security benefit for retirees was just $1,153.

AARP.org, July 1, 2010

Could you and your spouse live on that?

Plan for tomorrow… today

Discuss with your spouse agame plan if somethingunexpected should happen.

Term life insuranceA will

Term Life Insurance

A term life insurance policy protects your family if something should happen. “As a rule, most young people should have a term life policy worth five to 10 times their annual income.”

Smart Money, July 17, 2010

A Will

Talk about each other’s wishes if one of you should die.

A will gives legally binding instructions for: The distribution of your property The care of your children if you pass away

Primerica does not offer will preparation services. Services are offered through Primerica Legal Protection Services.

Get your financial snapshot.

Planning for the unexpected, saving for retirement, paying off debt … as you start your new life together, does all of this seem too hard?

It doesn’t have to be.

Get your financial snapshot.

Primerica offers a complimentaryFinancial Needs Analysis.

The FNA: Gives a detailed overview of your current financial situation

Personalized strategy for your financial security– Complimentary– Confidential– Customized

New beginnings

The FNA is only the beginning of your financial strategy.Primerica provides solutions that can help you get off to a great start financially.

Where your financial future is concerned, are you ready to live happily ever after?

Life insurance is underwritten by the following affiliated companies in these respective jurisdictions: National Benefit Life Insurance Company, Home Office: Long Island, NY, in New York; Primerica Life Insurance Company, Home Office: Boston, MA, in all other U.S. jurisdictions; Primerica Life Insurance Company of Canada, in Canada. Securities offered by PFS Investments Inc. 3120 Breckinridge Blvd. Duluth, GA 30099, 770-381-1000.Primerica does not offer will preparation services. Such services are offered through the Primerica Legal Protection Program. The legal protection services offered through the PLPP are a cooperative effort between Primerica and the Pre-Paid Legal Services®, Inc. Exclusions and limitations may apply. See plan for information.Arizona: Loans solicited by Limited Partners in Primerica Financial Services Home Mortgages Limited Partnership of Arizona (Primerica Financial Services Home Mortgages, Inc., General Partner). 3100 Breckinridge Blvd., Duluth, GA 30099. Mortgage Banker License No. BK 15594). Loans originated by Citicorp Trust Bank, fsb. California: Primerica Financial Services Home Mortgages, Inc. Loans arranged pursuant to a Department of Corporations, California Finance Lenders License. Colorado: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), License status: Exempt, 3100 Breckinridge Blvd., Duluth, GA 30099, (770) 381-1000. Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm. Connecticut: Primerica Financial Services Home Mortgages, Inc., MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Delaware: Primerica Financial Services Home Mortgages, Inc., (PFSHMI): A Delaware Licensed Mortgage Loan Broker. Florida: Licensed Florida Mortgage Broker/Representing: Primerica Financial Services Home Mortgages, Inc., Licensed Mortgage Brokerage Business. Georgia:   Primerica Financial Services Home Mortgages, Inc. (PFSHMI), 3100 Breckinridge Blvd., Duluth, GA 30099: A Georgia Residential Mortgage Licensee, License #6078.  Illinois: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), 3100 Breckinridge Blvd., Duluth, GA 30099: Illinois Residential Mortgage Licensee. Citicorp Trust Bank, fsb, the lender, would provide the funds for these loans. Citicorp Trust Bank, fsb, not PFSHMI, is the entity which affects the availability of funds. Interest rates or charges for loans are in no way recommended, approved, set or established by the State of Illinois. Kansas: Kansas Licensed Mortgage Company. Primerica Financial Services Home Mortgages, Inc. 3100 Breckinridge Blvd., Duluth, GA 30099. License No. MC.0002382. Kentucky: Representing Primerica Financial Services Home Mortgages, Inc., 3100 Breckinridge Blvd, Duluth, Georgia 30099. EQUAL HOUSING OPPORTUNITY. Maine: Primerica Financial Services Home Mortgages, Inc., Loan Broker License #CSO07173. Massachusetts: Primerica Financial Services Home Mortgages, Inc., Massachusetts Mortgage Broker License Number MB 0056. Minnesota: Representing: Primerica Financial Services Home Mortgages, Inc., Minnesota Residential Mortgage Originator. Missouri: Primerica Financial Services Home Mortgages, Inc. (PFSHMI): A Residential Mortgage Licensee. Montana: Primerica Financial Services Home Mortgages, Inc., 3100 Breckinridge Blvd., Duluth, GA 30099, license number 000381. Nebraska: Primerica Financial Services Home Mortgages, Inc. (PFSHMI): Licensed as a Mortgage Banker. Nevada: Primerica Financial Services Home Mortgages, Inc., 9055 West Post Road, Las Vegas, NV 89148; 702-870-3200. New Hampshire: Licensed by the New Hampshire Banking Department. New Jersey: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), 3100 Breckinridge Blvd., Duluth, GA 30099-0001, (770) 381-1000: Licensee, New Jersey Licensed Lenders Act, Licensed Mortgage Banker, Licensed by the New Jersey Department of Banking and Insurance (Certain Locations). PFSHMI does not make any mortgage loan commitments or fund any mortgage loans. PFSHMI arranges loans with 3rd party providers. Citicorp Trust Bank, fsb, the lender, would provide the funds for these FIRST OR SECONDARY MORTGAGE LOANS. New York: Representing Primerica Financial Services Home Mortgages, Inc. – New York State Banking Department, 3rd Party Mortgages arranged, Registered Mortgage Broker. North Carolina: Loans solicited by Representatives of Primerica Financial Services Home Mortgages, Inc. Ohio: Primerica Financial Services Home Mortgages, Inc., 3100 Breckinridge Blvd., Duluth, Georgia 30099-0001, License Number: -----[COMPLETE WHEN LICENSED]. Oregon: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), License Number: ML-131. Pennsylvania: PFSHMI - Licensed by the Pennsylvania Department of Banking as a Partially Exempt Mortgage Broker. Rhode Island: PFSHMI: A Rhode Island loan broker licensee. Texas: Primerica Financial Services Home Mortgages, Inc., Mortgage Company #71355, 3100 Breckinridge Blvd., Duluth, Georgia 30099-0001, 770-381-1000. Virginia: Primerica Financial Services Home Mortgages, Inc., Licensed as a Mortgage Broker by the Virginia State Corporation Commission, License #MC-368. Washington: Washington Mortgage Broker Practices Act Licensee. This document is not intended as an offer to extend credit nor a commitment to lend. The loan interest rates, fees, and terms presented herein are for illustrative purposes only and may not be currently available. This document has been prepared to assist real estate professionals in illustrating some of the financing options available to consumers.

End Notes

End NotesLender and Primerica Financial Services Home Mortgages, Inc. are affiliated companies of Citigroup. Loans secured by residential real estate. EQUAL HOUSING OPPORTUNITY.

$.M.A.R.T. Loan® is a registered trademark of Citicorp Trust Bank, fsb.NMLS Unique Identifier for Primerica Financial Services Home Mortgages, Inc. – 3073NMLS Unique Identifier for Primerica Financial Services Home Mortgages Limited Partnership of Arizona – 151315

Primerica, representatives of Primerica, Equifax and Primerica DebtWatchers™ will not act as an intermediary between Primerica DebtWatchers customers and their creditors and do not imply, promise or guarantee that credit files or credit scores will or may be improved, repaired, boosted, enhanced, corrected or increased by use of the Primerica DebtWatchers product. See http://my.primerica.com for additional Important Disclosures.

Primerica DebtWatchers™ is a trademark of Primerica, Inc. Score Power® is a registered trademark of Equifax Inc.Equifax Credit Report™ is a trademark of Equifax Inc. FICO® is a registered trademark of Fair Isaac Corporation.

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