1. A recruit may cancel his or her contracts at any time. To receive a refund of the Independent Business Application (IBA) fee (less a $30 processing fee), the recruit must cancel in writing within 120 days of the IBA submit date. Other conditions apply. The Top 21 Reasons to Join Additionally, the recruit may cancel the monthly Primerica Online (POL) subscription fee, at any time with 30 days notice, but any refund of the initial POL fee must be requested Primerica Right Now within 30 days of the date the recruit’s Solution Number was issued. See the IBA for complete cancellation and refund policies. 2. The requirements, as well as the particular fees covered for both the life license and the securities license, are detailed in the “Entry Methods for Recruits” under the Licensing & 1 Extremely low start-up cost Education Tab on POL. Before soliciting, selling, and/or receiving commissions on any product, you must obtain 2 Practically recession proof the appropriate licenses or appointments. 3 Run a business without franchise fees or 3. Auto and Home Insurance: In the U.S., offered through Primerica SecureTM, a personal Primerica is different. lines insurance referral program in which representatives may refer individuals to Answer royalties Financial Inc., which offers insurance products and services through its licensed affiliates. Primerica, its representatives and the Primerica Secure program do not represent 4 You offer basic products that people need, any of the insurers in the program. Legal Protection: In the U.S., ID Theft Defense is regardless of the economy In any economy and offered by contractual agreement between Primerica Client Services, Inc. and Prepaid Legal Services, Inc. d/b/a Legal Shield (“LegalShield”). ID Theft Defense is a product of LegalShield, and provides access to identity theft protection and restoration services 5 Start part-time with no risk to your current through an exclusive relationship with Kroll, Inc. In the U.S., Primerica Legal Protection career Program legal protection services are offered by LegalShield or applicable subsidiary, in any environment, through contractual agreement between Primerica Client Services, Inc. and LegalShield. LegalShield provides access to legal services offered by a network of provider law firms 6 No financial experience necessary to LegalShield members through membership-based participation. Life Insurance: Primerica representatives market term life insurance underwritten by National Benefit 7 You offer products you can be proud of Primerica is a solid Life Insurance Company (Home Office: Long Island City, NY) in New York and Primerica Life Insurance Company (Executive Offices: Duluth, GA) in all other U.S. jurisdictions. 8 Professional training in all aspects of the Long Term Care: In the U.S., representatives may offer long term care insurance from Genworth Financial by contractual agreement among Primerica Financial Services, Inc., business Genworth Life Insurance Company and Genworth Life Insurance Company of New York. 9 Leadership and personal development rock of hope and A referral program in which representatives may refer individuals to LTCI Partners, LLC provides long term care insurance from these Genworth companies and other companies unaffiliated with Primerica.Managed Investments: PFS Investments Inc. is an SEC 10 You offer highly competitive products that truly Registered Investment Adviser doing business as Primerica Advisors. For additional information about managed investments, please ask your Primerica representative for make a difference in people’s lives opportunity. We a copy of the Form ADV Part 2A wrap fee program brochure for each of the Freedom Portfolios and the Lifetime Investment Platform. Mutual Funds, Variable Annuities and 11 You provide a complimentary Financial Needs 401(k) Plans: In the U.S., securities are offered through PFS Investments Inc., 1 Primerica Analysis, sophisticated and impressive! Parkway, Duluth, Georgia 30099-0001. PFS Investments Inc. is a member of FINRA and offer an unparalleled SIPC. Vivint: Home automation services (including home security) are offered through 12 Compete for multiple world-class incentive trips a referral arrangement by contractual agreement between Primerica Client Services, Inc. Primerica Client Services Inc., PFSL Investments Canada Ltd., Vivint, Inc. and Vivint Canada, Inc. 13 No territory limits business opportunity Primerica is the trademark of Primerica, Inc. All other trademarks and service marks are 14 Cutting-edge technology support the property of their respective owners. All rights reserved.

4. Subject to licensing restrictions. 15 Great income potential - one of the best in direct Primerica Representatives are individuals who have signed an Independent Business marketing in the world today Application (“IBA”) and who have been approved to become a member of Primerica’s sales force. Primerica Representatives are independent contractors, and are not 16 Earn commissions not just based on your efforts, employees of Primerica Companies, or its parent company Primerica, Inc. but also the efforts of your team and here are 21 17 Unlimited expansion opportunity 18 We actually disclose our representatives’ reasons why … incomes 19 Fun, competitive environment 20 Freedom to make your own schedule and be your own boss www.primerica.com 21 We have a 40-year track record of success!

©2009-2018 Primerica / 2.18 / 54543 / 419449 / A9086 Extremely No financial Offer a Complimentary Unlimited 1 low start-up cost 6 experience necessary 11 Financial Needs Analysis 17 expansion opportunity Most businesses can cost tens of thousands of dollars to start and have You don’t need a background or degree in financial services – Primerica offers We offer a comprehensive, personalized and accurate picture of your overall You’re free to build wherever you want to, as fast as you want to. We crippling overhead costs. Not Primerica. Here, you can start your business for a turnkey system to help you succeed. Our representatives come from all walks financial health for no charge! don’t restrict your opportunities for growth and development. We just $99 and plug into Primerica Online – our expansive online support system of life – they’re former teachers, coaches, nurses and salesmen. They joined currently do business in the U.S., Canada, Guam and Puerto Rico.4 – for just $25 a month.1 Where else can you start a business with such little Primerica to make a difference in their lives and the lives of others. The most Compete for multiple overhead or up front costs? important requirement? A desire to change your life! 12 world-class incentive trips We actually disclose • When you join Primerica, your $99 fee can cover all resident life At Primerica, you have the opportunity to compete for world-class incentive 18 our representatives’ incomes licensing fees. Plus, you can also position yourself to have your You offer products trips. Top producers have been to places like Hawaii, Las Vegas, Cancun and Primerica is not like the corporate world where the incomes of top leaders securities license fees paid for as well.2 7 you can be proud of the Bahamas, just to name a few. are a secret. We disclose the incomes of our representatives and are proud • With Primerica’s business opportunity, you can qualify to have the Primerica markets products and services from some of the world’s most of our leaders who are earning the income of their dreams. costs of your life and securities licenses covered and potentially save recognizable companies. They’re products that many people need and may make No a true difference in a family’s financial future. hundreds of dollars! 13 territory A Track Record of Success At Primerica, you’re not restricted to a sales territory or geographical area. • Additional information and requirements are available through the Term Life Insurance Managed Investments Personal Income Cumulative Number of Earners You can grow as much as you want!4 representative who gave you this brochure. Primerica Life Insurance Company Lifetime Investment Platform Since 1977 New Since 2000 National Benefit Life Insurance Company Practically Long Term Care Insurance Cutting-edge Over $50,000 6,789 4,396 Mutual Fund Investments Genworth Financial technology 2 recession proof! AB Main Street Long Term Care Insurance 14 Over $100,000 3,423 2,288 Our revolutionary tools allow reps to build their businesses whenever and In the past, people could expect to get a good job at a stable company and American Century Investments Placement Program wherever they want. Over $1 million 83 52 stay with their employer until retirement. Not anymore. Don’t wait for someone American Funds Legal Protection Invesco Over $2 million 18 7 else to decide your destiny. We’re looking for entrepreneurs who want to take Primerica Legal Protection Program Fidelity Advisor Funds The Primerica App control, be their own boss and control their own future. No matter what the ID Theft Defense Franklin Templeton Investments The revolutionary new Primerica App combines all the best features Over $5 million 1 1 current economic environment is, Primerica is a company for all seasons: Legg Mason Auto & Home Solutions of all the best technology! It’s super user-friendly and boasts some • Now more than ever, people need to be educated about their MFS Primerica SecureTM and Insurance incredible features: finances and learn how money works. ® In 2017, Primerica paid more than $760 million to its sales force! OppenheimerFunds Answer Center • People need the opportunity to earn extra money or start over in a Amundi Pioneer Vivint SmartHome • Homepage - The Homepage showcases the latest company news These numbers represent 12-month rolling cash flow levels, including advances, that have been new career. Putnam Investments and incentives, recognition, key information and breaking news. achieved by Primerica representatives, past and present, at some point during their affiliation 401(k) Plans with Primerica. The representatives are not necessarily achieving those levels at this time. Further, • Primerica Freedom Network (PFN) - Get every video that’s • People need our services and our opportunity every day. Annuities AXA the numbers reflected in the “Cumulative Number of Earners” column are cumulative from level available on PFN on-demand and 24/7. Watch shows LIVE right AIG Voya Financial to level and, therefore, include all representatives who have ever achieved the stated cash flow from your mobile device and more! figures, even if they are also included in a higher cash flow category. Run a business without AXA Cuna Mutual 3 franchise fees or royalties Brighthouse Financial American Funds • Media Vault - We provide a digital library of organized, From January 1 through December 31, 2017, Primerica paid cash flow to its North American sales force at an average of $6,030, which includes commissions paid on all lines of business to licensed Primerica is not a franchise. Here, you’re an independent contractor and work Lincoln Financial Fidelity Advisors streamlined content so you can get what you want quickly – right from your mobile device! representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned for yourself. We provide a proven system that you can plug into, but you do by the representative, not adjusted for exchange rates. not have to pay franchise fees to take advantage of this time-tested business- • Sales Presentations - Present the Opportunity and close Not all products and services are available in allstates, territories, or the District of Columbia. A representative’s business at the Kitchen Table with a huge array of presentations Primerica Representatives are individuals who have signed an Independent Business Application building system. ability to offer products from the companies listed is subject to state and federal licensing and certification designed to help you build your business. (“IBA”) and who have been approved to become a member of Primerica’s sales force. Primerica requirements. Please refer to theImportant Endnotes for additional details about the contractual arrangements Representatives are independent contractors and are not employees of any of the Primerica and company affiliations detailed above.3 • eBrochures - Our very best client brochures in an easy-to-use You offer basic products that people need, Companies, including Primerica, Inc. digital format. Share Primerica’s Opportunity, concepts and more 4 regardless of the economy Professional training right from your tablet! No matter what the current economic environment, people still need to in all aspects of the business • Training & Development - Watch the latest training videos on Fun, competitive protect their family, save money and get out of debt. Primerica helps families 8 the go to get inspired, motivated and educated. environment 3 At Primerica, you can earn as you learn. Training, support and mentorship are 19 find the financial solutions that they need. available to you from experienced leaders to help you every step of the way. Primerica is a place where competitors can thrive. If you love being • Type of life insurance most experts recommend: Term life insurance You have an entire company that wants to see you win! recognized for your hard work, Primerica is the place for you. • Mutual funds for professional money management Great income potential – one of the Freedom to make your own • Auto and homeowner’s insurance referral program Leadership and personal development 15 best in direct marketing 20 schedule and be your own boss • Legal protection: Everyone deserves access to legal services 9 As commissioned representatives, Primerica representatives are free Forget office politics! Primerica offers a positive environment and is all about pushing At Primerica, you can actually earn what you think you’re worth, with no • Long term care insurance: Protect the assets you accumulate to work as much as they want to and earn income accordingly. You earn people up. We’re about building leaders and helping people succeed. Here, ordinary people limits on what you can do. If you’re tired of “business as usual,” Primerica is income on your sales and also a portion of the sales made by members of can lead extraordinary lives. You’ll learn how to lead a team and be the leader you were the ideal opportunity for you. Stop just getting by and start dreaming again. Start part-time with your team. The possibilities are amazing. Our competitive compensation meant to be. Isn’t it great – you can earn money while you become a better you! 5 no risk to your current career system is unparalleled in the industry. We have a 40-year track record At Primerica, you determine your hours. You can work as much or as little as you want You offer highly competitive products that Earn commissions based on your 2 1 of success! and you can still keep your full-time job. You can join Primerica full-time when you are truly make a difference in people’s lives You can be confident that you’re doing business with a strong, solid ready, or work part-time to earn extra money each month – it’s up to you. 10 efforts, and the efforts of your team Primerica doesn’t sell beauty products or nutritional supplements – we sell 16 company with exciting things on the horizon. In addition to the income that you earn from your own personal production, financial freedom. The products we offer help people get on the path to a better you also have the opportunity to earn override income based on the business financial future and can change their lives for the better. If you’ve finally realized that your team, or “downlines,” produce. there’s more to life than money, you’ll love what we do!