Primerica Legal Protection Program Business Owner Plan Solutions

What is the Business Owner Plan? w The business owner’s plan is offered to small businesses with 1 -99 employees. w This plan saves owners both time and money by helping them protect and grow their small business through reasonably priced access to top-quality law firms and business consultants. w Offered to businesses that meet the following criteria: – For-Profit Business – No Publicly Traded Stock – Fewer than 100 Employees © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Why Business Owners Need It w Small businesses are one of the fastest growing markets in the US today. They have all of the needs, problems, legal exposure and liability of large businesses, but without the benefits of proper counseling, finances or legal and business expertise. w Small businesses need access to legal experts in all areas of business. © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Plan Availability w The plan is currently available in the following states: – AL, AR, AZ, CA, CT, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NM, NV*, NY*, OH, OK, PA, TX, UT, VA, WA*, WI, WV and WY w The plan is pending in the following states: – FL, MT, SC and TN w The plan is unavailable in: – AK, MA, ND, NJ, RI, SD, and VT. *Limited Benefit State © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Benefits of the Business Owner Plan w Legal Consultation Services w Legal Correspondence Services w Designated Consultations w Basic Contract Review w Executed Contract Review w Document Review w Debt Collection Letters w Trial Defense Benefit* w Reduced-Fee Services w Reduced Contingency Fee Services *Trial Defense Benefit NOT Available in NV, NY and WA © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Overview of Benefits w Legal Consultation – Legal consultation allows the business entity the ability to call the provider law firm when they have a question about such legal aspects of their business as: Employee hiring Hiring/termination Equipment lease Landlord/tenant issues Joint ventures Vendor problems Bankruptcy Intellectual property City zoning Worker’s compensation Verbal contracts Bad check recovery Incorporation Customer complaints Small claims Creditor harassment Partnership Disclaimer verbiage © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Overview of Benefits w Legal Correspondence – The attorney firm will write one letter per legal subject matter each year at no additional charge. This also includes a copy of the letter for your file. If needed, a follow – up letter can be done at your client’s request and is covered under the 25% discount. © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Overview of Benefits w Designated Consultations – The business is entitled to receive two telephone consultations per year arranged by your provider law firm – each consisting of up to thirty (30) minutes. Legal matters addressed under this benefit are: Patents Trademarks Copyrights Import/Export Customs Matters Complex Tax Issues arising outside your state, within the U. S. Immigration Securities Anti-Trust Commodities Admiralty International Law © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Overview of Benefits w Basic Contract Review – The provider law firm will review three (3) contracts per month, each consisting of fifteen (15) consecutive pages or less, prior to execution of the contract (s) in which the covered business entity is a contracting party. © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Overview of Benefits w Executed Contract Review – The provider law firm will review one (1) executed contract per month, consisting of ten (10) consecutive pages or less, in which the covered business entity is a contracting party. The member mails a copy of the executed contract to be reviewed (retaining the original) with their phone number to the provider attorney. They will review and advise of any modifications that are recommended. © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Overview of Benefits w Document Review – This benefit provides review of up to three (3) documents per month up to fifteen(15) consecutive pages or less. Each of the three fifteen page reviews shall be for different subject matters. A copy of the document and a phone number should be forwarded to the provider lawyer. The lawyer will review the document and advise the designated spokesperson by telephone if any modifications are recommended. © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Overview of Benefits w Debt Collection – This provides the business entity up to ten (10) separate initial collection letters per month at no additional charge beyond the membership fee. – Follow-up letters to the initial collection letter can be done under the 25% discount. © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Overview of Benefits w Trial Defense Benefit – The provider lawyer provides 75 hours of lawyer time per year for all covered lawsuits filed in membership year. Of that 75 hours, a maximum of fifteen (15) hours will be provided for pre -trial time and the remaining sixty (60) hours for actual trial time. – Trial and pre-trial hours do not roll-over to the next year if they are not used. The trial defense benefit is NOT available in NV, NY and WA. © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Overview of Benefits w Reduced-Fee Services – Litigation representation and other legal work within the business state is available at a 25% discount from the provider law firm’s corporate hourly rate. – The provider law firms have a negotiated rate with Pre-Paid Legal, Inc. © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Overview of Benefits w Reduced Contingency Fees – The member business can receive a 5% discount from the provider law firm’s standard contingency fee for contingency type cases if the provider law firm agrees to accept your case on this basis. Client’s can save hundreds, even thousands, with this benefit! © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

How Much Does it Cost to be Member of the Business Plan? That depends on whether your clients buy it or not. If they buy it, the cost is $75/$125 per month. But what is the cost of not buying the business owner’s plan? You tell me. w How much does it cost to sign a contract you shouldn’t have signed. w To not collect on money owed to your business. w To not get the correct marketing, tax, or technology help your business needs? How much will it cost to: w Come up with a retainer for a $200 or more per hour attorney when you are sued? w What is the cost of not getting the help, consultation, and assistance you need in the areas of corporate law, collections, tax, accounting, website development and more? With all buying decisions there is a cost if you do and cost if you don’t. There is a cost of owning our business plan, but the cost of not owning a plan could be greater. © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Business Owner Plan Pricing w With a PLPP business owner’s plan, the membership fees are based on the total number of employees at that business. – Businesses with 1 -50 employees • Full Benefit: $75 per month with a $10 enrollment fee • Limited Benefit: $69 per month with a $10 enrollment fee. Limited benefit states are NV, NY & WA. – Businesses with 51 -99 employees • Full Benefit: $125 per month with a $10 enrollment fee • Limited Benefit: $115 per month with a $10 enrollment fee. Limited benefit states are NV, NY & WA © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Commission Schedules © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Contact Information Product, Processing or Membership Information (Pre-Paid Legal) 800 -426 -9239 Primerica Marketing Support: us_plppmarketing@primerica. com Licensing and Compensation RVP Personal Assistance Line Future RVP Assistance Line 800 -737 -5596 770 -381 -5885 For more information visit: www. primericaonline. com Click on products > plpp/ppls © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Administrative w Complete the Application – Fully complete an application – Client’s information and signatures should be complete – Agent information and signature should be complete w Collect Monies – First month’s premium as well as the $10 enrollment fee must accompany application. (No credits or commissions will be paid until first monies are received. ) w Mail the application – Mail to address in upper left corner of the application to Ada, Oklahoma for processing. w Follow-Up – To check status of business you may contact Pre-Paid Legal Services at 800 -426 -9239. © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Administrative w What Does the Business Owner Receive? – Within three weeks after enrolling, the member will receive a membership kit with the following: • Welcome letter from Primerica • Membership contract explaining benefits in detail • Certificate of membership for office wall • Contact information and overview of coverage brochure – Around the same time they will separately receive their PLPP membership card with their attorney firm name and contact information. © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

New Marketing Materials Available for the Business Owner Plan w PLPP Product Brochure – – – – (Located in POL Download Center in Brochures Section) Free Representative use only Learn about family, group and business owner plans Commissions on PLPP products Marketing materials available Where products are available Pricing of the plan How to write an application Available incentives w Full Benefit Client Brochure Cost Item: (A 9015) Cost $. 25 – Client use in full benefit states (Not for use in NY, NV and WA) – Goes over benefits of the business owner plan w Limited Benefit Client Brochure Cost Item: (A 9016) Cost $. 40 – Client Use in NY, NV and WA – Goes over benefits of the business owner plan in these specific states © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

PLPP Incentives w The monthly PLPP production bonus continues to push Primerica reps closer to financial freedom! Each month, the top 5 personal producers for family, group and business plans combined, receive a cash bonus with a total payout of $1, 500: © 2004 -2010 Primerica/CN/41667/12. 10 1 st place $500 2 nd place $400 3 rd place $300 4 th place $200 5 th place $100 For Internal Use Only

PLPP Incentives Primerica Incentive Trips Qualify with PLPP! w Primerica has allocated slots on company trips for PLPP crusaders! Are you ready to break free from the ordinary? Push your PLPP production to the limit and qualify for the ultimate travel opportunities! © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only

Primerica w Certain benefits are not available in all states. Please consult with your Primerica representative for details about plan coverage. The information contained in this material is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the plan coverage. Please remember that only the plan contract can give actual terms, coverage, amounts and exclusions. w This presentation is copyrighted material and may not be altered in any form under any circumstances. Alteration of this material in any way is a violation of the company’s policies and procedures and may result in immediate termination of your Primerica Associate Agreement. w Limited benefits available in New York, Nevada and Washington. © 2004 -2010 Primerica/CN/41667/12. 10 For Internal Use Only