BUSINESS EXPANSION PRESENTATION

1. BUSINESS EXPANSION PRESENTATION

2. PRIMERICA Started in 1977 Listed on the New York Stock Exchange (PRI) The largest independent financial services marketing organization in North America Insures more than 4.3 million lives and more than 2 million clients maintain investment accounts with us Primerica was named one of America’s 50 most trustworthy financial companies in 2015 by Forbes Magazine Primerica refers to Primerica and its affiliated companies.

3. The Answer for Families in North America Is… Primerica Mission Statement Help Families Earn More Income and Become Properly Protected, Debt Free and Financially Independent Properly Protected: We are the largest life insurance sales force in North America. FinanciallyIndependent: PFS Investments We are the largest Mutual Fund licensed sales force in the United States. Debt Free: Primerica offers solutions that help Main Street families get out of debt faster and save thousands in interest payments. Primerica and PFS Investments are affiliate companies. 3

4. We Are the Largest Independent Financial Services Marketing Organization in North America 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. Debt Solutions: 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. Managed Accounts: 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. Primerica DebtWatchers™: Not available to residents of Washington, D.C. Securities: In the United States, securities are offered by PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, Georgia 30099-0001.

5. The Rule of 72… Sometimes called the Bankers Rule Divide your interest rate into 72 to find theapproximate number of years it takes for money to double! • 72 ÷ % = years to double • 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? Without introducing us to family and friends, how would they learn the “Rule of 72?” 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, given current market conditions. 5

6. MAKE THE RIGHT CHOICE FOR YOUR FAMILY CASH VALUE LIFE INSURANCE • Life Insurance & Investments bundled together • Yields a lower rate of return on investment portion (4-7%) • You must borrow & pay interest to access your cash value (5-8%) • Upon death, your family receives your face amount of coverage, but not your cash value, in most cases BUY TERM & INVEST THE DIFFERENCE • Life Insurance & Investments are separate • Market rate of return on Investment (10% average) • Do not have to borrow or pay interest to access your Investments • Upon death, your family receives the face amount of your term insurance plus your Investments

7. Separate Your Insurance and Savings Does your auto insurance have a savings program? Does your health insurance have a savings program? Does your homeowner’s insurance have a savings program? Why should your life insurance have a savings program? We teach people how to separate their insurance and their savings. LifeInsurance Savings 7

8. SUZE ORMAN • “I strongly believe that term is the best insurance for the vast majority of people, and it literally costs a fraction of other forms of life insurance.” • The Road to Wealth: A Comprehensive Guide to Your Money

9. Buy Term and Invest the Difference Cash Value Insurance Before Primerica Changed to Primerica’s Term John $75,000 $300,000 Mary $75,000 $300,000 Children 0 $ 10,000 Total Protection $150,000 $610,000 Monthly Premium $114 $77 Difference = $37/month! Four times the coverage for $37 LESS per month! Invest the Difference $37 monthly savings invested at 10% for 32 years=$103,900 at age 67 “The right type of life insurance can be summed up in a single word: term.” www.smartmoney.com, Viewed June 11, 2013 “Term insurance is pure protection, like fire insurance or auto insurance. Its sole function is to support your family if you die. You can buy large amounts of coverage for most amounts of money-and big policies are what your spouse and children need.”, Making the Most of Your Money Now , Jane Bryant Quinn

10. The Theory of Decreasing Responsibility How Life Works At Retirement 1. Grown children 2. Lower debt 3. Mortgage paid Retirement income needed Today 1. Young children 2. High debt 3. House mortgage Loss of income would be devastating What life insurance company do you know of that teaches peoplehow to eliminate the need for life insurance? 10

11. PRIMERICA OFFERS SOLUTIONS

12. Increasing Your Income College/Other Goals & Dreams

13. People Don’t Plan to Fail, They Fail to Plan The Solution: A Financial Needs Analysis.A customized, confidential and complimentary program that helps you achieve your goals and dreams. A Financial GPS It helps you find answers to important questions. The Problem: Traditional financial institutions sell you products. They don’t provide you with a total solution. 13

14. What’s Next? Complete your FNA and begin your own personal program for proper protection, debt freedom & financial independence Before we do the FNA, would you be interested in seeing how YOU can earn an extra $1,000-$2,000/month by helping other people with their financial game-plan?

16. District Leader: Part-Time Personal:2 Model FNAs per month = $2,471 Total cash for the month: $3,628 and override 3 people on your team doing 5 model FNAs per month The 2 personal model FNAs assume: 1 Auto referral ($55), 1 Primerica DebtWatchersTM subscription ($48), 1 Primerica Legal Protection Program subscription ($80), 1 life sale ($600,000 face amount, Custom Advantage 30-year policy, issue ages 26-45, and QBI of 70%), 1 IRA ($20,000 rollover plus $300/month contributions, with a 4.31% dealer reallowance). The 5 team model FNAs assume only the 1 Auto, 1 PLPP and 1 life sale. Assumes team of Sr Reps. See important endnotes on last page. 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 life licensed representative. In Canada, part-time is not available in all jurisdictions. Where it is available, it is subject to certain restrictions. $1,157 16

17. Regional Leader: Second Career Personal: 3 Model FNAs per month Equals: $4,863 If your team does: 6 Model FNAs in one month Equals:$2,316 Total cashfor the month:$7,179 Once you reach $50,000 to $80,000 a year in income,would you consider making a career change? The personal and team model FNAs assume: 1 Auto referral ($55), 1 Primerica DebtWatchersTM subscription ($48), 1 Primerica Legal Protection Program subscription ($80), 1 life sale ($600,000 face amount, Custom Advantage 30-year policy, issue ages 26-45, and QBI of 70%), 1 IRA ($20,000 rollover plus $300/mo. contributions, with a 4.31% dealer reallowance). Assumes team of District Leaders.See important endnotes on last page. 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 life licensed representative. 17

18. Primerica’s Business ModelBroker = Regional Vice President (RVP) Which would you rather be — an agent or an RVP? RVPs Max Out their Compensation: Commission = Advances and Earns Overrides Monthly Bonuses Residual Income (12-b1 fees) Stock opportunities Ownership As an RVP(12 clients/month) = $100,000+/year RVP Agent50%4 clients Agent50%4 clients Agent50%2 clients Agent50%1 client Agent50%1 client Assumes each client has purchased: 1 Auto referral ($55), 1 Primerica DebtWatchersTM subscription ($48), 1 Primerica Legal Protection Program subscription ($80), 1 life sale ($600,000 face amount, Custom Advantage 30-year policy, issue ages 26-45, and QBI of 70%), 1 IRA ($20,000 rollover plus $300/mo contributions, with a 4.31% dealer reallowance). See important endnotes on last page. The Ownership Program is subject to terms, conditions and applicable regulatory requirements. Please see POL for the Ownership Program documents and policies, which control in all respects. 18

19. The Ultimate Goal: Building Distribution You’re an SVP! RVP earning $100,000/year Assumes 12 clients in the RVP base shop and each downline RVP team, and each client has purchased: 1 Auto referral ($55), 1 Primerica DebtWatchersTM subscription ($48), 1 Primerica Legal Protection Program subscription ($80), 1 life sale ($600,000 face amount, Custom Advantage 30-year policy, issue ages 26-45, and QBI of 70%), 1 IRA ($20,000 rollover plus $300/mo contributions, with a 4.31% dealer reallowance). See important endnotes on last page. The Ownership Program is subject to terms, conditions and applicable regulatory requirements. Please see POL for the Ownership Program documents and policies, which control in all respects. RVP earning $100,000/year You RVP earning $100,000/year Your Income: $300,000+ per year Earn income from all of your RVPs. Qualify for Ownership. Develop and promote as many RVPs as you want! 19

20. BASED ON WHAT I’VE SHARED WITH YOU, WHAT DID YOU LIKE THE MOST? • THE FINANCIAL PLAN • THE BUSINESS PLAN • A LITTLE BIT OF BOTH

21. Getting Started Now What would keep you from getting started Right Now?

22. LET’S GET STARTED • COMPLETE FNA • SUBMIT IBA WITH $124 • ATTEND OUR FINANCIAL STRATEGIES SEMINAR