Referrals / Earn Your Business / ExpansionNot to be used in New York.

© 2012 Primerica 43555/A9190/1.12/11PFS648-2

The Financial Services Company For the 21st Century

• Foundedin1977with85people

• 6millionclientsintheUnitedStates,CanadaandPuertoRico

• LargestfinancialservicesmarketingorganizationinNorthAmerica

• ListedonNYSE(PRI)

All of this without any national TV or radio advertising!

1.WarburgPincus,BaronFund&manyothercompaniesareinvestorsinPrimerica.

2.AccreditedmemberofBetter BusinessBureau

3.Primerica’slifecompaniesrated A+(Superior)byA.M.BestPrimerica’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, Exec-utive Offices: Duluth, GA, in all other U.S. jurisdictions; and Primerica Life Insurance Company of Canada, Home Office: Mississauga, Ontario, in Canada. Primerica’s life companies’ 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.

Ask Yourself Three Questions As We Go Through The Presentation

Six in 10 workers say that they are living paycheck to paycheck.CareerBuilder.com Survey, April 12, 2011

“Average credit card debt among households with balances on their cards: $15,788.”AARP Bulletin, July-August 2010

More than half of Americans have no emergency savings.Time.com, August 11, 2011

Bankruptcies topped 1.5 million in 2010. CNNMoney.com, January 3, 2011

68 million Americans have no life insurance. LifeHealthPro.com, June 14, 2010

More than half of all workers have less than $25,000 in savings and investments for retirement. Employee Benefit Research Institute 2011 Retirement Confidence Survey

How real and serious are these problems?

Our Mission: To help families become properly protected, debt free and financially independent

1.Isthereaneedforwhatwedo?

2.Arethesefinancialconceptshelpfulforyou?

3.Ifyourfamilyandfriendsimplementedtheseconcepts,wouldtheybebetteroff?

People Don’t Plan to Fail, They Fail to Plan

The Problem:Traditionalfinancialinstitutionssellyouproducts.Theydon’tprovideyouwithatotalsolution.

The Solution:AFinancialNeedsAnalysis.Acustomized,confidentialandcomplimentaryprogramthathelpsyouachieveyourgoalsanddreams.

It helps you find answers to important questions.

Bank Accounts Installment Loans

Mor

tgag

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avin

gs A

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nts

Life Insurance Mutual Funds401(k

)

C

redit

Car

ds

YOU

A Financial GPS

Ifyouwanttobefinanciallyfree,youneedanestimateofhowmuchyouwillneedtoaccumulate–yourpersonalFinancialIndependenceNumber(FIN)!Knowingthisnumberisacriticalfirststep.

Do You Know Your Financial Independence Number?

You want to retire in 30 years, with $30,000 a year…

30yearsfromnow,after3%inflation…$73,000spendslike$30,000doestoday. Your FIN is $1,079,000

To get there, invest $473 per month for 30 years at 10% = $1,079,000

How important is it to know your Financial Independence Number?This hypothetical example assumes 20 years of retirement income needed, at a 6% post-retirement rate of return and 3% inflation. Hypothetical investment rates assume a nominal 10% rate of re-turn, compounded monthly, and is not indicative of any specific investment. Any actual investment may be subject to taxes and fees, which would lower performance. This example shows a constant rate of return, unlike actual investments, which may fluctuate in value. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions.

Bypass the Middleman - Become an Owner, Not a Loaner

CDs and savings accounts are generally FDIC insured up to $250,000. This limit expires December 31, 2013. Cash value life insurance offers life insurance components in addition to the investment component.

YourMoney

Traditional Financial Institutions

GlobalEconomy

Banks,CreditUnions,InsuranceCompanies=HistoricallyLowRatesofReturn

DO THe BANKS WANT YOu TO KNOW THIS?

Years 3% 6% 12%

0 $10,000 $10,000 $10,000

6 $20,000

12 $20,000 $40,000

18 $80,000

24 $20,000 $40,000 $160,000

30 $320,000

36 $80,000 $640,000

42 $1,280,000

48 $40,000 $160,000 $2,560,000

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. 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.

Without introducing us to family and friends, how would they learn the “Rule of 72?”

The Rule of 72…Sometimes called the Bankers Rule

Divideyourinterestrateinto72tofindtheapproximatenumberofyearsittakesformoneytodouble!

• 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?

When you don’t, there’s a high cost of waiting. $100 Monthly Savings @ 10% for 40 Years

(Age25-65)

Wait1year($1,200)

Wait5years($6,000)

Wait15years($18,000)

The First Step to Financial Success Is Pay Yourself First

$637,680

$576,090 ($61,590)

($254,850)

($503,890)

$382,830

$133,790

25

26

30

40

Who are people hurting if they wait?

Rates of return are constant and 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 where rates of return fluctuate. It does not take into consideration taxes or other applicable deductions, which would lower results. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions.

Cash Value Life Insurance vs. Buy Term and Invest the Difference

Cash Value Life InsuranceWhole Life, Universal Life, Variable Life

Buy Term and Investthe Difference

Johnage 35

Maryage 33

MonthlyPremium

CashValue

$150,000 $150,000

$298

?

Johnage 35

Maryage 33

MonthlyPremium

Investmentat 70

$300,000 $300,000

$123

$175 @ 10%

$669,948

35-year Level Term$25,000 on two children

Which program would you want?Monthly premium for cash value policies is an average of whole life policies from three major North American life insurance companies for male, age 35, standard risk and female, age 33, standard risk. Cash value life insurance can be universal life, whole life or variable life, and may contain benefits in addition to a death benefit, such as dividends, interest, or cash value available for a loan or upon surrender of the policy. Whole life usually has a level premium for the life of the policy. Primerica monthly premium for age 35, non-tobacco use for 35-year Custom Advantage policy (C535) and spouse age 33, non-tobacco use for 35-year Custom Advantage rider (C5SR), both with rates guaranteed for 20 years, plus a child rider of $25,000 each on two children, underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, GA. Term insurance provides a death benefit only and its premiums increase at certain ages. The accumulation figure reflects continued investment at the same rate over 35 years at a 10% nominal rate of return compounded monthly and does not take into consideration taxes or other factors, which would lower results. This example uses a constant rate of return, unlike actual investments, which will fluctuate in value. This is hypothetical and does not represent an actual investment. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions.

Savi

ngs

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SAMe$298

The Theory of Decreasing Responsibility

Today•Youngchildren•Highdebt•HousemortgageLoss of income would be devastating

HowLifeWorks

At Retirement•Grownchildren•Lowerdebt•MortgagepaidRetirement income needed

What life insurance company do you know of that teaches people how to eliminate the need for life insurance?

Solution: Build Your Financial House

Onascaleof1-10,10beingthehighest,

howwouldyourateyourdesiretobecome

properlyprotected,debtfreeandfinancially

independent?

Other Goals and Dreams

College Savings

Retirement

Debt elimination

Budget - emergency Fund - Will*

Protect Your Income / Term Life

“A good rule of thumb is that you need between eight to ten times your annual salary in life insurance coverage.”

— The Wall Street Journal, April 12, 2006

* Primerica Legal Protection program. Exclusions and limitations may apply. See plan for details. Primerica representatives do not provide legal, tax or estate planning advice.

Solution: Debt Stacking

23 years to pay off debt and $214,442 in interest paid

Paid off in 8 years, Age 43 ( 15 years sooner) Interest saved $130,643(Age 44) Once debts are paid off, invest $2,720 each month at 10%

@ Retirement … Age 67 = $2.8 million

DO FINANCIAL COMPANIeS WANT YOu TO KNOW THIS?The above example is for illustrative purposes only. The Debt Stacking concept assumes that: (1) you make consistent payments on all of your debts, (2) when you pay off the first debt in your plan, you add the payment you were making toward that debt to your existing payment on the next debt in your plan (therefore you make the same total monthly payment each month toward your debts) (3) you continue this process until you have eliminated all of the debts in your plan. In the example above, when the retail card is paid off, the $220 is applied to credit card 2, accelerating its payment to $573. After credit card 2 is paid off, the $573 is applied to the car loan for a total payment of $1,124. The process is then continued until all debts are paid off. Note that the total payment per month remains constant. It is unlikely an investment would grow 10% on a consistent basis, given cur-rent market conditions. The hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments, which will fluctuate in value, and does not include taxes or fees, which would reduce returns. Investing begins once debts have been paid off (at age 44). It is unlikely an investment would grow 10% on a consistent basis, given current market conditions.

Retail Card 1 $220 +$220

Credit Card 2 $353 $573 +$573

Car Loan $551 $551 $1,124 +$1,124

Credit Card 1 $303 $303 $303 $1,427 +$1,427

Mortgage $1,293 $1,293 $1,293 $1,293 $2,720

Total $2,720 $2,720 $2,720 $2,720 $2,720

Age35

The hypothetical interest rates are for illustrative purposes only and not indicative of a guaranteed rate of return on any investment. Illustrative rates of return are nominal, compounded monthly.Rates of return are constant unlike actual investments which will fluctuate in value. It does not include fees or taxes which would lower results.*CNNMoney.com, March 4, 2011

Average 2010 tax refund = $3,129 $3,129/12months=$260/month*

$260MonthlyOverpaymentfor35years(Age35-70)

Ifyoumake:

0%interest$109,200

3%interest $192,807

6%interest $370,425

12%interest$1,672,049

Are You Giving the Government a Tax-Free Loan?

What the experts Say

“Cash valuelifeinsuranceisoneoftheworst financial productsavailable.”DaveRamsey.com, “The Truth About Life Insurance,” October 25, 2010

“Istronglybelievethatterm is the best insuranceforthevastmajorityofpeople,anditliterallycostsafractionofotherformsoflifeinsurance.”The Road to Wealth: A Comprehensive Guide to Your Money, Suze Orman

“Formostfamilies,termlifeinsuranceisthesimplest and cheapest waytogo…”InsuranceNewsnet.com, “All Life Insurance Is Not The Same,” December 3, 2010

“Terminsuranceispopularbecausealmosteveryone can affordplentyofit.”Kiplinger.com, “How Much Life Insurance Do You Need?,” August 15, 2010

Formostpeople,term life still offers the bestcombinationofcoverageandcost.”WSJ.com, “Honestly, What’s the Best Policy,” May 28, 2011

“Term insurance is pure protection,likefireinsuranceorautoinsurance.Itssolefunctionistosupportyourfamilyifyoudie.Youcanbuylargeamountsofcoverageformostamountsofmoney–andbigpoliciesarewhatyourspouseandchildrenneed.”Making the Most of Your Money Now, Jane Bryant Quinn

22 $5,000 $5,520 23 5,000 11,630 24 5,000 18,370 25 5,000 25,810 26 5,000 34,040 27 5,000 43,130 28 5,000 53,170

29 0 58,730 30 0 64,880 31 0 71,680 32 0 79,180 33 0 87,480 34 0 96,640 35 0 106,760 36 0 117,930 37 0 130,280 38 0 143,930 39 0 159,000 40 0 175,650 41 0 194,040 42 0 214,360 43 0 236,800 44 0 261,600 45 0 288,990 46 0 319,250 47 0 352,680 48 0 389,610 49 0 430,410 50 0 475,480 51 0 525,270 52 0 580,270 53 0 641,040 54 0 708,160 55 0 782,310 56 0 864,230 57 0 954,730 58 0 1,054,700 59 0 1,165,140 60 0 1,287,150 61 0 1,421,930 62 0 1,570,820

$35,000

$1,570,820

22 0 0 23 0 0 24 0 0 25 0 0 26 0 0 27 0 0 28 0 0

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

$170,000

$1,505,730

When is $35,000 more than $170,000?

The Time Value of Money

Individual B Age Annual Payment Accumulation end of Year

Individual A Age Annual Payment Accumulation end of Year Individual A:

Started Contributingat Age 22

Stopped Contributingat Age 28

Individual B:Started

Contributingat Age 29

Stopped Contributingat Age 62

Total Accumulation

at Age 62

Total Contributions

The hypothetical 10% nominal rate of return, compounded monthly, 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. Any tax-deductible contributions are taxed and tax-deferred growth may be 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 each year. Investing entails risk, including loss of principal. Shares, when redeemed, may be worth more or less than their original value. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions.

Auto & Home, Ways to $ave Money

Primerica Secure:Largest Comparative Quoting System20+ Top National Insurers

Quotesfromcompaniessuchas:Travelers,Safeco,Progressive,Hartford,21stCentury,esurance

Before PrimericaAuto&Home:John&Marywerepaying$243permonthforauto&homeinsurance.

The more you save, the more to invest…

After PrimericaAuto&Home:Saved: $65 per monthontheirauto&homeinsurance…$65mo@10%for20years=$49,000(collegefund)

The average client saves as much as $478 annually on their auto insurance through Primerica Secure. This savings amount is based on a survey of insurance premium information provided by 567 purchasers of insurance from Answer Financial based on their responses to the survey and their estimated savings statements during 1/1/2009 and 3/31/2009. It is unlikely an invest-ment would grow 10% on a consistent basis, given current market conditions. Rates of return are constant unlike actual investments which will fluctuate in value. It does not include fees or taxes which would lower results.

Legal Protection

Make Your Wishes Known

It’s important to have a will. If you don’t have a will and you die:• Strangers could be the ones to decide who will raise your children.1

• The courts will determine how your money and your belongings will be distributed.

• A larger percentage of your money may go to paying taxes.

Did you know that 57% of adult Americans don’t have a will?2

Other Important Legal Benefits:• Legal Consultation and Legal Assistance Services• Durable Power of Attorney• Directive of Physician/Living Will • Motor Vehicle-Related benefits • Probate Benefits• Plus more…

1. Kiplinger’s, January 2012 2. dailyfinance.com April 4, 2011

We Are a One-Stop Financial Supermarket With Home Delivery!

®

Primerica DebtWatchers 1,2Offered by Primerica Client Services, Inc. through contractual agreement with

Quotes from such companies as: Travelers, Safeco, Progressive

Primerica LegalProtection Program

Primerica LifeInsurance Company of Canada

Primerica LifeInsurance Company

Auto & Home InsuranceReferral Program

Long Term Care Legal Protection

Mutual Funds3,5

Annuities1,3

401(k) Plans1,3

Managed Accounts1,4Life Insurance

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), 3120 Breckinridge Blvd., Duluth, Georgia 30099-0001. 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. 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. See notes page for important com-pany affiliations and other disclosures.

*The Cash Flow Quadrant, CASH FLOW Technologies, Inc.; used with permission. The Cash Flow Quadrant and ESBI are trademarks of CASH FLOW Technologies, Inc. For informational purposes only.

The Cash Flow Quadrant*

employeeHas a job. Incomebasedonposition,nottheperson.

BusinessOwns a system. Hasothersworkingforhim/her.Unlimitedincomepotentialviamanufacturing,marketing,etc.

Self-employedOwns a job. Dentist,doctor,lawyer,hairstylist,realestateagent,salesperson.

InvestorHas money working for him/her. Enjoyscompletefreedomandlivesthedream.

Four Ways to earn Income

Which two ways to earn income appeal to you most?

The Five Reasons People Get Involved

1.Theydon’t liketheircurrentjobandarelookingforacareerchange&betterincomepotential.

2.Theylovewhattheydo…butearningextra part-time incomeeachmonthwouldmakeapositivedifference.

3.Theywanttogetafinancial educationsotheycanlearnhowto

winthemoney game.

4.Theylovehelping peopleandmakingadifference.

5.Theydreamofhavingtheirownbusiness.

Can you see how most people would be interested in at least one of these areas?

See reverse side for important endnotes.

Referrals / Earn Your Business / ExpansionNot to be used in New York.

Who we are: • The largest independent financial services

marketing organization in North America• Listed on the New York Stock Exchange (PRI) • In business since 1977• More than 6 million clients

All of this without any national TV or radio advertising!

“Averagecreditcarddebtamonghouseholdswithbalancesontheircards:$15,788.”—AARPBulletin,July-August2010

U.S.foreclosureactionshaveshatteredallrecords…andwilldosoagainthisyear.—Reuters.com,January14,2010

68millionAmericanshavenolifeinsurance.—LifeHealthPro.com,June14,2010

43%ofAmericanworkerssaytheyhavelessthan$10,000insavings.—Money.com,March9,2010

45%ofworkersfeel“nottooconfident”or“notatallconfident”thattheywillhaveenoughmoneytolivecomfortablythroughretirement.

—EmployeeBenefitResearchInstitute2011RetirementConfidenceSurvey

Nearlyeightin10(77percent)workersreportthattheylivepaychecktopaychecktomakeendsmeet.—CareerBuilderSurvey,2010

ThetypicalAmericanhouseholdmadelessmoneylastyearthanthetypicalhouseholdmadeafulldecadeago.

—“ADecadeWithNoIncomeGains,”TheNewYorkTimes,September10,2009

How real and serious are these problems?

We have the solutions!

Today’s Financial Challenges:

100 People After Working From Age 25 - Age 65

54% dependent

36% working

5% deceased

4% OK ($1 million)

1% wealthy ($5 million) 54%

36%

5%4%

1%

Whydo95%failwhenitcomestotheirfinances?1. Nofinancialeducation2.Nofinancialgameplan3.Nofinancialcoach

Source: SmartMoney, 2001

100peopleatage65:

Our Mission

Tohelpfamiliesbecomeproperlyprotected,debtfreeandfinanciallyindependent

Solution:PrimericaprovidesacomplimentaryFNA(FinancialNeedsAnalysis)

A Financial GPS

On a scale of 1-10, 10 being the highest, how would you rate your desire to become properly protected, debt free and financially independent?

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.

Debt free?

Life Insurance2:

$150,000 coverage on Bob$150,000 coverage on SusanNo 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 65 = $107,000

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: $123Saved: $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 10% at age 65 = $1,080,000extra invested: $200 per month

BOB AND SuSAN SMITH (AGeS 35 AND 33) WITH TWO CHILDReN

A or B

See important assumptions and disclaimers on notes page.

If you showed the A and B example to 10 families, how many out of 10 would switch from A to B?

PeRSONAL: 5clientsinonemonth5lifesales3IRArollovers1PrimericaDebtWatchers2A&H2PLPP

Ifyoucouldpotentiallyearn$20,000to$40,000ayearpart-timewithoutjeopardizingyourjob,wouldthatinterestyou?

District Leader: Part-Time

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 2010, Primerica paid a total of $503,115,928 in compensation to its sales force at an average of $5,296 per licensed representative.

Total cash for the month: $4,868And even if you did almost half of that, you could

still earn $2,628!

The Real estate Model

AGeNTLimitedIncomePotential

NoSecurityNoTimeFreedom

6%BrokerFee$100,000House=

$6,000Fee

BROKeRUnlimitedIncomePotential

MoreSecurityTimeFreedom

ABrokerwith5agentsEarning$3,000/monthEarns$15,000/month

Broker50%Override:$3,000

Agent Agent Agent Agent Agent 50%Commission 50% 50% 50% 50% $3,000 $3,000 $3,000 $3,000 $3,000

Which would you rather be — an agent or a broker?

Once you reach $50,000 to $80,000 a year in income, would you consider making a career change?

Regional Leader: Part-Time

PeRSONAL: 5clientsinonemonth5lifesales3IRArollovers1PrimericaDebtWatchers2A&H2PLPP

equals: $6,545

OVeRRIDe: 2DistrictLeaders6clientsinonemonth6lifesales3IRArollovers3PrimericaDebtWatchers3A&H2PLPP

equals: $1,973

Total cash for the month: $8,518

In the 12-month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to its sales force at an average of $5,296 per licensed representative.

Regional Vice President: Full-Time

Total cash for the month: $36,967

PeRSONAL: 5clientsinonemonth5lifesales3IRArollovers2PrimericaDebtWatchers2A&H2PLPP

equals: $9,065

OVeRRIDe: 6-8DistrictLeaders25clientscombined25lifesales10IRArollovers6PrimericaDebtWatchers6A&H6PLPP

equals: $18,989Bonus: $8,913

In the 12-month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to its sales force at an average of $5,296 per licensed representative.

Track Record of Success With Momentum

Whatwouldinterestyoumore?Startingyourownpart-timebusiness,acomplimentaryfinancialgameplan

OR BOTH?

Personal Income Since 1977 New Since 2000

Over$50,000 5,392 2,854

Over$100,000 2,562 1,440

Over$1million 63 32

Over$2million 17 6

Over$5million 1 1

Cumulative Number of earners

These figures represent 12-month rolling cash flow levels, including advances, which have been achieved by Primerica representatives, past and present, at some point during their affilia-tion with a Primerica Company, beginning in 1977. The representatives are not necessarily achieving those levels at this time. Further, the numbers reflected in the “Cumulative Number of Earners” column are cumulative from level to level and, therefore, include all representatives who have ever achieved the stated cash flow figures. The cash flow categories are not intended to demonstrate earnings of typical representatives. In the 12-month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to its sales force at an average of $5,296 per licensed representative. Most representatives do not reach the levels illustrated. Average RVP earnings are typically higher. Actual gross cash flow is, among other factors, dependent upon the size and scale of a representative’s organization, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines. Having said this, Primerica provides a tremendous opportunity for individuals who work hard and who desire to develop a business with strong income potential.

Getting Started

1. Fill out your Independent Business Application (IBA) - $99 Value includes:State license feeExam feeFingerprint/background checkPFSU pre-licensingTOTAL: Approximately $400

2. $25/month for Primerica Online – Online Business Support System Value includes: Cell phone discount $100-$250/year Your own website and business reports $600Access to live and on-demand video training $400Qualify to have securities license paid for $500Morningstar financial analysis software* $4,000/yearTOTAL: $6,000

3. Get off to a fast start! Qualify for a bonus up to $1,000 when you get trained, licensed and producing.(Seecompanybrochurefordetails.)

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?

*Must be securities licensed

Total fees vary for each state

1. Bob and Susan are hypothetical clients. Based on the assumption that the consumer makes minimum monthly payments, the APR for the mortgage is 6.0% and the APR on each of the three credit cards is 19.8%. First mortgage loan is fixed term, fixed rate, fully amortizing loan. Assumes no additional debt is incurred. 2. Monthly premium is an average of whole life policies from three major North American life insurance companies for male, age 35, standard risk and female, age 33, standard risk. Cash value life insurance can be universal life, whole life or variable life, and may contain benefits in addition to a death benefit, such as dividends, interest, or cash value available for a loan or upon surrender of the policy. Whole life usually has a level premium for the life of the policy. 3. Primerica monthly premium for age 35, non-tobacco use for 35-year Custom Advantage policy (C535) and spouse age 33, non-tobacco use for 35-year Custom Advantage rider (C5SR), both with rates guaranteed for 20 years, plus a child rider of $25,000 each on two children, underwritten by Primerica Life Insurance Company, Executive Offices, Duluth, GA. Term insurance provides a death benefit only and its premiums increase at certain ages. The accumulation figure reflects continued investment at the same rate over 30 years at a 10% nominal rate of return compounded monthly and does not take into consideration taxes or other factors, which would lower results. This example uses a constant rate of return, unlike actual investments, which will fluctuate in value. This is hypothetical and does not represent an actual investment. 4. $25.00 per month.

Representatives of Primerica are independent contractors and are paid commissions on sale of products. Life Bonus is based on 67% QBI and 30% Bonus Rate, assuming average premium per policy of $1,478.

Primerica DebtWatchers™ is a trademark of Primerica, Inc. Primerica, representatives of Primerica, Equifax and Primerica DebtWatchers will not act as an inter-mediary 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. References to Equifax refer to Equifax Consumer Services LLC, a wholly owned subsidiary of Equifax Inc. See www.my.primerica.com for additional Important Disclosures.

Primerica representatives market term life insurance underwritten by the following companies in these respective jurisdictions: National Benefit Life Insurance Company, Home Office: Long Island City, NY, in New York State: Primerica Life Insurance Company, Executive Offices: Duluth, GA, in all other US jurisdictions; Primerica Life Insurance Company of Canada, in Canada.

Securities offered by PFS Investments Inc.

The average client saves as much as $478 annually on their auto insurance through Primerica Secure. This savings amount is based on a survey of insurance premium information provided by 567 purchasers of insurance from Answer Financial based on their responses to the survey and their estimated savings state-ments during 1/1/2009 and 3/31/2009.

Primerica Secure is a personal lines insurance referral program in which representatives may refer individuals to Answer Financial Inc., a company that offers insurance products and services through its licensed affiliates. Not all insurance products and services are available in all states. Primerica, its representatives and the Secure Program™ do not represent any of the insurers in the program. Primerica, its affiliates and representatives offer other products and services. For more information, please see www.PrimericaSecure.com.

Not to be used in New York.

©2012 Primerica 43555/1.12/A9190/11PFS648-2