Managed Accounts. Primerica Advisors. The Biggest Game-Changer in the History of Our Investment Business. Delivering Wealth Management Solutions

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1 Managed Accounts The Biggest Game-Changer in the History of Our Investment Business Primerica Advisors Delivering Wealth Management Solutions

2 A Growing Market Exceeds Industry Capacity At a time when there has never been a greater wealth transfer, the financial services industry has been unable to keep pace with the growing demands of the market. 1 The Wall of Wealth This is an unprecedented moment in the financial services industry as the estimated $41 trillion wealth transfer 1 and many other factors forever change the landscape of our business. Managed accounts will open an entire new market for you and your business as many clients continue to demand a higher level of active money management. The uncertain economy is compounding a long-term problem in the brokerage business: its shrinkage. Since 2005, when 5,111 brokerage firms were registered with the Financial Industry Regulatory Authority, Inc., the number of firms has declined by 8.2% to 4, PFS Investments Inc. (PFSI) has more Series 6 registered representatives than any other firm, providing us with the resources to meet this demand. 3 The Baby Boomer Phenomenon 76 million people were born in this country within 18 years of each other ( ) and they re already reaching retirement age. $2.2 trillion was received through inheritance and gifts between 1998 and 2007, and the rate of transfer is increasing. It is estimated that tens of trillions more will transfer over the next several decades. 1 Additional Money on the Sidelines Nearly $12.3 trillion in money market funds, CDs and saving accounts.* Money in Motion From an estimated $314 billion in 2008, the value of rollovers will rise to $2 trillion by While the traditional industry is shrinking, PFS Investments Inc. is growing. Registered representatives can expand their securities business by being Series 65 licensed and offering active money management to their clients. Primerica Largest independent financial services marketing organization in North America Listed on the New York Stock Exchange (PRI) More than $656 billion of life insurance in force 4.3 million lives insured through us Two million investment clients with $35 billion in assets under management 1 Managed accounts, including wrap fee programs such as The Freedom Portfolios, may only be offered by an investment advisor. 2 InvestmentNews.com, May 30, SIE Communications, October, 2010 Wave of the Future With $2.2 trillion in total managed account assets, the industry has experienced explosive growth 635% ( ) 2 A record amount of money is on the move. Now, more than ever, you are uniquely positioned to capture your share of this incredible market. * CDs and bank savings accounts are FDIC insured to $250,000. This limit expires December 31, Investments in securities are not FDIC insured, and may lose value. 1 Wealth Transfer and Philanthropy An Interview with Paul G. Schervish, PhD, and John J. Havens, Investments & Wealth Monitor, September/October, 2009, Boston College website 2 Cerulli Associates as quoted by InvestmentNews, December, 2010

3 Managed Accounts Adding managed accounts to our product offering is one of the most exciting things we re doing for the future of the company. We ll look back at this moment 10 years from now and say, this is one of those times when the world changed. This is revolutionary in the invest the difference side of our business. It fits with our crusade. We re always going to do the right thing and deliver for middle- families, while at the same time adding security and stability to the cash flow of our field leaders. This is another monumental step in the building of Primerica. Primerica Co-CEO John Addison In Perfect Alignment with Primerica s Main Objectives Primerica s Goals: Deliver Value to Our Clients. Build & Grow Distribution. Build & Grow Residual Cash Flow to the Field. Managed accounts will help us achieve our goals. Primerica revolutionized the life insurance industry and the investment business with buy term and invest the difference. Now A new era begins with the addition of managed accounts. This new product adds a second exciting vehicle to better serve your investment clients, while having the opportunity for you and your team to make more money: 1. PFS Investments Mutual Funds, Variable Annuities, 401(k), 529, etc. 2. Primerica Advisors Managed Accounts Bringing Active Money Management to Main Street Primerica is changing the landscape by bringing managed accounts to Main Street America. Everything is in place for us to make an impact and become one of the leaders in this rapidly growing industry. Why Managed Accounts Provide Great Value for Clients Advisory products that historically have been available primarily to institutional and affluent investors Ground-breaking new product personalized for each client Professional money management for your clients retirement savings Multi-fund platform access to some of the nation s leading asset managers Peace of mind that comes with high level professional money management Asset allocation, portfolio selection, ongoing monitoring and periodic rebalancing conducted by one of the industry leading advisory firms, Lockwood Advisors, Inc. Among the lowest minimum entry-points in the industry for multifund platform products $25,000 account minimum Wealth management solutions through a relationship with a trusted advisor at Primerica While many other financial professionals no longer take on clients with portfolios of less than $100,000, $200,000 or $250,000*, Primerica continues in its commitment to help Main Street families invest for the future. Managed accounts create an additional opportunity for Primerica to help this vastly underserved market. * InvestmentNews.com, viewed May 20, 2010 Our opportunity just got 2X bigger. It s a win-win-win for the client, the rep and the company. This is the biggest game-changer in the history of our investment business.

4 Primerica Advisors Freedom Portfolios Product Description Primerica Advisors Freedom Portfolios - Asset Allocation Lineup Primerica Advisors is proud to bring professional money management to Main Street America through a mutual fund wrap program. The Primerica Advisors investment program offers an actively managed portfolio comprised of leading mutual funds selected by investment professionals. Managed accounts offer peace of mind through a disciplined approach to investing. Investment Vehicle Mutual fund wrap account Minimum Investment Among the lowest in the industry - $25,000 Co-Advisory Team Professional Money Management Platform Fund Families Number of Primary Fund Positions Sales Charges / Fees Rebalancing Feature e-delivery Capabilities Account Support Account Consolidation Primerica Advisors and Lockwood Advisors, Inc. Actively managed account through Lockwood Advisors, Inc. - a leading provider in fee-based solutions with $12.5 billion in assets under management Multi-Fund Family Seven mutual fund companies bringing together the Best of the Best: Legg Mason Invesco Pioneer Investments BlackRock JP Morgan American Century Investments Natixis A single account consisting of seven 11 mutual funds A fee-based product* no upfront sales charges or transactional charges Yes helps ensure that your portfolio remains consistent with your investment objectives Yes sign up today and your account statements and prospectuses can be delivered via Through a Primerica Advisor Representative and through a dedicated customer service support team Simplifying your client s life One consolidated account One quarterly statement detailing client investments One 1099 tax form Aggressive Moderate Conservative Freedom 20 Freedom 40 Freedom 60 Freedom 80 Freedom % equity 80% fixed 40% equity 60% fixed 60% equity 40% fixed 80% equity 20% fixed 97% equity 3% fixed Investment Objective Current source of Income Current source of with low potential capital appreciation Modest capital appreciation with some current needs Long-term capital appreciation with minimal fixed needs Long-term capital appreciation Target Investor Fixed objective - highly risk averse Seeks a balanced mix with an emphasis on fixed securities - moderately risk averse Seeks a balanced portfolio mix with a slight emphasis on equities - moderately risk tolerant Seeks a long-term capital appreciation and modest fixed - willingness to accept increased levels of risk Willingness to accept short-term market fluctuations - highly risk tolerant Shorter Time Horizon Longer Time Horizon * See Primerica Advisors Form - ADV part 2A Wrap fee Program Brochure for fees.

5 A Strong Record and the Right Partners The Lockwood Team s collective and diverse investing experience provides the insight, judgment and perspective to effectively analyze and act upon economic and market dynamics. Experienced Long-term investment approach from a team with a wealth of experience Disciplined Well-defined, methodical process drives investment research Insightful Willingness to use a contrarian view in interpreting data and market trends Unbiased Judgment Objective and independent research Structured & Flexible Diversified product, designed to offer the customization you desire Risk Management Assess risks in a portfolio and then seek ways to mitigate those risks consistent with the portfolio s objectives Primerica Advisors and Lockwood Advisors, Inc. 1, a subsidiary of BNY Mellon, will serve as the co-sponsors for the Freedom Portfolio accounts, with each company bringing their unique strengths and track records to provide tremendous support for you. Lockwood Advisors, Inc. A leading provider in fee-based managed account solutions to financial institutions and registered investment advisors One of the largest independent advisors with $12.5 billion 2 in assets under management Founded in 1995 by a team of wealth management innovators who helped pioneer the fee-based industry Part of the center of excellence for managed accounts at BNY Mellon with more than $230 billion in assets under administration and more than 700,000 accounts. BNY Mellon Only U.S. financial firm rated AAA at the bank level by Moody s 3 One of the world s leading custodians with $25.5 trillion under custody and administration 4 A leading asset management company with $1.2 trillion in assets under management 4 Oldest private bank in the U.S. with more than 225 years of experience in managing private client assets with locations across 6 continents, in 36 countries 1. PFS Investments Inc. (PFSI) is an SEC Registered Investment Adviser DBA 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. 2. Source: Lockwood Advisors, Inc. As of March 31, Included in the assets under management are approximately $3 billion in assets where Lockwood acts as adviser to the adviser. In these programs, Lockwood does not have direct management responsibilities or discretionary authority. 3. Current ratings for the Bank of New York Mellon Corporation and its principal subsidiaries are posted at 4. Source: BNY Mellon At A Glance Corporate Fact Sheet Fourth Quarter 2010 Bringing Together the Best in the Business Legg Mason Founded in 1899, diversified global asset management firm with $673 billion in assets under management 1 Worldwide scope with 3,500 employees in 34 offices around the world Invesco Commitment to investment excellence, depth of investment capabilities and organizational strength to benefit our clients Global reach - $616 billion in asset under management 2 spanning 5,000 employees, 600 investment professionals in 20 countries Pioneer Investments Founded in 1928, Pioneer Investments helped lay the foundation for the mutual fund industry. A global leader with over $250 billion in assets under management and offices in 23 countries, Pioneer remains true to its original core values. BlackRock Committed to being essential to your business, BlackRock brings you a combination of global intelligence and best-in-class investment solutions The largest asset managers with $3.56 trillion in assets under management 4 with investment professionals across 24 countries. JP Morgan For over a century, JP Morgan has provided investment management services to dedicated investment professionals. One of the largest asset managers in the world with global assets under management of $1.3 trillion 3. Worldwide network of 700 investment professionals representing 23 countries. American Century Investments A leading privately controlled and independent asset management firm, American Century is committed to delivering superior investment performance and building long-term client relationships. Assets under management of $103 billion 5 with offices around the world Natixis Natixis has a multi-boutique structure, giving you a single point of access to specialized, affiliated money managers. Worldwide scope with $719 billion in assets 6 1 As of February 2011, 2 As of January 2011, 3 As of December 2010, 4 As of December 2010, 5 As of December 2010, 6 As of December 2010

6 A New World of Opportunity Build Investment Business Income Since managed accounts are fee based, rather than transaction based, the total compensation is approximately 1.25% annually, paid quarterly. Hypothetical $100,000 Managed Account Compensation (cumulative compensation) Build Residual Income Build a recurring stream a powerful way to build a potentially secure base for the future. Your fee-based is determined by your client assets. Total RVP Personal Assets Under Management Invested in Managed Accounts* $5 Million in AUM = $38,750 in recurring annual $10 Million in AUM = $77,500 in recurring annual $15 Million in AUM = $116,250 in recurring annual You need to understand the magnitude of this moment. By providing more expertise and more options for our clients through managed accounts, we will have the opportunity to retain more clients and reps who love the securities business. SNSD Mark Yozipovic This is a huge addition to our business. We re entering into a new era, and now we re going to be able to do an even better job for our clients. SNSD Jimmy Meyer Year 1 Compensation $797 This product could potentially provide more financial stability to our RVPs than any other product we have. SNSD Chris Koob Year 3 Compensation $2,554 Year 5 Compensation $4,555 Year 10 Compensation $10,850 Imagine the Possibilities What if you personally produced 10 or more of these accounts? What if your base shop had 10 or more people doing this type of production? What if you had 10 or more RVPs doing this same production? Cumulative compensation based on the following assumptions: 8% constant average annual ROR. Actual investments will fluctuate in value. Managed accounts assumes a advisor fee and program fee withdrawn from the balance quarterly and advisor fee is based on a possible breakpoint schedule. Mutual fund dealer re-allowance (DR) is based on typical equity fund breakpoint schedule. Payout on Managed Account and Mutual Funds compensation use same current schedule - RVP 62%. Payout on Managed Account and Mutual Fund trails use same current schedule - RVP 57%. This is a hypothetical illustration. Applicable taxes on fees earned are not reflected in the illustration. Representatives are responsible for their own business expenses. The company may from time to time modify, supplement or terminate any compensation in any manner. Managed accounts can help you build a recurring stream based on your total assets under management. *See Important Earnings Disclosure on back page. In the 12-month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to the sales force at an average of $5,296 per licensed representative. Managed Accounts A Product That s Right for the Client Primerica will lead the way for the consumer by bringing Institutional Active Money Management to Main Street America. Multi-fund platform access to some of the best mutual fund managers available in the marketplace Asset allocation, portfolio selection, on-going monitoring and periodic rebalancing conducted by one of the industry leading advisory firms Among the lowest minimum entry-points in the industry for multi-fund platform products Professional money management gives the client peace of mind. Managed Accounts A Breakthrough in our Securities Business Primerica Advisors is uniquely positioned to take advantage of this unique opportunity. Explosive Growth Industry +635% ( ) Managed Accounts adds a new dimension to your investment business A strong track record and the right partners Build Investment and Residual Income Managed accounts opens an entire new world of opportunity. The Primerica opportunity just got 2X bigger. Our uniqueness is what gives us more opportunity, and managed accounts is another product line that will provide additional to the field by providing better service to our clients. SNSD Jerry Byer This is the most exciting story in Primerica s investment world today. It opens an entire new world of people for us to recruit. SNSD Cheryl Bartlett

7 *Note: The hypotheticals are not intended to demonstrate earnings of typical representatives, just potential earnings based on various assumptions. Only super-achievers may reach the earnings illustrated. Important Earnings Disclosure: The cash flows stated are not intended to demonstrate the earnings of typical RVPs/representatives. Rather, the cash flows that have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs/representatives do not achieve the levels illustrated. In the 12 month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to the sales force at an average of $5,296 per licensed representative. 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 potential. Applicable taxes are not reflected. Representatives are responsible for their own business expenses. Compensation is subject to change from time to time. Important Disclosures The statements contained herein are based upon the opinions of Primerica Advisors and the data available at the time of publication and are subject to change at any time without notice. This communication does not constitute investment advice and is for informational purposes only, is not intended to meet the objectives or suitability requirements of any specific individual or account, and does not provide a guarantee that the investment objective of any model will be met. An investor should assess his/ her own investment needs based on his/her own financial circumstances and investment objectives. Neither the information nor any opinions expressed herein should be construed as a solicitation or a recommendation by Primerica Advisors, Lockwood Advisors, Inc. (Lockwood) or their affiliates to buy or sell any securities or investments. It is important to remember that there are risks inherent in any investment and that there is no assurance that any money manager, mutual fund, asset class, style or index will provide positive performance over time. Primerica Advisors Freedom Portfolios contain open-end mutual funds. Investors should carefully consider the investment objectives, risks, charges, fees and expenses of any mutual fund before investing. This and other important information can be found in the fund prospectus, which may be obtained through your financial advisor or by calling the fund or by visiting the fund s website. Please read each fund s prospectus carefully before investing. Mutual funds included in Primerica Advisors Freedom Portfolios may charge additional fees and expenses in addition to the program fee charged for the product. Mutual funds may also charge a redemption fee if shares are redeemed within a period of time as specified in the fund s prospectus. The amount of the redemption fee, as well as the minimum holding period, is disclosed in the respective fund prospectus. For complete details, please refer to the prospectus. Mutual funds included in Primerica Advisors Freedom Portfolios may use derivatives that are often more volatile than other investments and may magnify the fund s gains or losses. An investment that uses derivatives could be negatively affected if the change in the market value of its securities fails to correlate adequately with the values of the derivatives it purchased or sold. Investors considering these types of investments should have a long-term investment horizon. Portfolios may include mutual funds that invest in fixed securities, which are subject to several general risks, including interest rate risk, credit risk and market risk, which could reduce the yield that an investor receives from his/her portfolio. These risks may occur from fluctuations in interest rates, a change to an issuer s individual situation or industry, or events in the financial markets. If sold prior to maturity, fixed securities are subject to gains/losses based on the level of interest rates, market conditions and the credit quality of the issuer. Portfolios may include mutual funds that invest in equity securities, which are subject to several general risks, including the risk that the financial condition of the issuer may become impaired or the general condition of the stock market may deteriorate, either of which may cause a decrease in the value of the issuer s securities. Equity securities are susceptible to general stock market fluctuations and to sudden, significant and prolonged increases and decreases in value as market confidence in and perceptions of the security s issuer change. These perceptions are based on various and unpredictable factors, including expectations regarding government, economic, monetary and fiscal policies, inflation and interest rates, economic expansion or contraction, and global or regional political, economic, and banking crises. There can be no assurance that an issuer will pay dividends on outstanding shares of its common stock, as the payment of dividends will generally depend upon various factors, including the financial condition of the issuer and general economic conditions. Holders of common stocks of any given issuer will generally incur more risk than holders of preferred stocks and debt obligations of the same issuer because common stockholders, as owners of the issuer, generally have subordinated rights to receive payments from such issuer in comparison with the rights of creditors or holders of the issuer s debt obligations or preferred stocks. The existence of a liquid trading market for certain equity securities may depend on whether dealers will make a market in such securities. There can be no assurance that a market will be made for any securities, that any market for the securities will be maintained, or that any such market will be or remain liquid. The price at which an equity security may be sold will be adversely affected if trading markets for the security are limited or absent. Lockwood serves as the money manager with respect to Primerica Advisors Freedom Portfolios and is responsible for developing and providing asset allocation strategies and investment selections for each asset class. Lockwood periodically reviews the asset allocation strategies and investment selections for adherence to the investment objective. Lockwood exercises limited discretion in order to implement certain model updates, which may include changes to the asset and style allocation and/or the replacement of investment vehicles. Lockwood, in its sole discretion, may rebalance a client account in such instances as are believed to be or determined by Lockwood to be in the client s best interests. Lockwood reviews each account s drift from the selected model on a regular basis and rebalances a client account as circumstances warrant. Lockwood has adopted a Code of Ethics, which is designed to address perceived or real conflicts between the trading activity on behalf of investors and the trading activity of Lockwood employees. For more information about Lockwood, as well as its products, fees and services, please refer to Lockwood s Form ADV Part 2, Wrap Fee Brochure for Freedom Portfolios, which may be obtained through your financial advisor or by writing to Lockwood at: 10 Valley Stream Parkway, Malvern, PA 19355, or by calling (800) For more information about Primerica Advisors, as well as its products, fees and services, please refer to Primerica Advisors Form ADV Part 2, Wrap Fee Brochure for Freedom Portfolios, which may be obtained through your financial representative or by writing to Primerica Advisors at: 3120 Breckinridge Blvd, Duluth, GA , or by calling (800) Primerica Advisors is not affiliated with Lockwood Advisors, Inc., a Pershing LLC or The Bank of New York Mellon Corporation. For recruiting purposes only Primerica A9171 / / 5.11 / 11PIA10-2 PFS Investments Inc.

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