Important Disclosures

PRIMERICA GENERAL & RECRUITING DISCLOSURES - U.S. AND CANADA

Primerica

Primerica, Inc. is a public company listed on the New York Stock Exchange (PRI). Primerica, Inc. is a leading distributor of financial service products to middle income households in North America, assisting clients in meeting their needs for term life insurance, mutual funds, annuities, segregated funds (in Canada) and other financial service products. Most of these products are distributed on behalf of third-party companies.

Primerica, Inc. conducts its core business activities through companies in the United States and Canada that are subsidiaries of Primerica, Inc. (the subsidiaries together with Primerica, Inc., collectively referred to as "Primerica"). Primerica markets its financial service products in the United States and Canada through its independent contractor representatives. Each subsidiary of Primerica, Inc., and not Primerica, Inc., is responsible for its own obligations to its customers.

The Business Opportunity

Primerica offers a business opportunity that involves the sale of term life insurance, securities, and various other financial service products. Primerica representatives are independent contractors, not employees. Their earnings are based on the sale of products offered by Primerica and also qualifying product referrals. Importantly, for many product lines, Primerica representatives must obtain required licenses before the representatives may sell those products.

Compensation

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 representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange rates.

Independent Business Application Fees & Inquiries

New representatives affiliating with Primerica must complete the Independent Business Application (IBA) and pay a one-time fee of $99 in the U.S. or $103.95 (includes applicable taxes) in Canada.

New representatives of the Primerica sales force who have questions concerning the IBA fees should refer to their IBA. For additional IBA fee questions, send email to:

Primerica Online Fees & Inquiries

Primerica Online (POL) is an intranet website that provides representatives with access to tools and resources to help them grow their businesses. A Full-Service subscription to POL is required to access its full range of information and functionality. Initially, Full Service POL costs $25 per month for representatives in the U.S. and $28 per month for representatives in Canada. POL can be accessed without charge to access more limited information, e.g., compensation and compliance information.

For questions regarding POL fees, send email to:

Recruiting Inquiries

For those individuals with questions pertaining only to recruiting by Primerica representatives, send email to:

Ownership

"Ownership" refers to the conditional right of an eligible Regional Vice President (RVP) to transfer his or her business to another eligible RVP, subject to the consent of Primerica and subject to terms, conditions and regulatory requirements. The Ownership Program Document and policies located on POL control in all respects.

Partnership

The Partnership Empowerment Program (PEP) is a recognition program for supportive partnering among Primerica representatives. It does not signify a business or legal partnership. PEP cannot affect, combine or alter contractual compensation, hierarchical agreements or Ownership issues.

Press Room

The Primerica Newsroom includes unedited articles about Primerica written by third-party news organizations. These organizations are not affiliated with Primerica. The articles are included for information purposes only.

PRIMERICA PRODUCT & SERVICE DISCLOSURES - U.S. ONLY

Insurance

Life-licensed Primerica representatives are agents of the Primerica insurance companies:

Investments and Savings

Business Continuity

PFS Investments Inc. ("PFSI") has developed a Business Continuity Plan that addresses how we will respond to events that significantly disrupt our business. PFSI maintains off-site storage arrangements for critical data as well as an off-site back-up facility that is equipped to sustain critical operations. In case of a disruption affecting only PFSI's Duluth, Georgia headquarters, we will transfer our operations to our off-site facility, if needed. In case of a disruption affecting our entire region, PFSI will work to recover and resume operations as soon as possible. In either situation, PFSI customers would be able access their funds by communicating directly with their fund company or annuity issuer, using the contact information found in transaction confirmations and customer statements, or through their local PFSI representative.

Check Handling Process

Platform Funds (American Century, Amundi Pioneer, Invesco, Legg Mason, and Franklin Templeton Mutual Funds):
If you provide a check with which to fund your account, please make it payable to Primerica Shareholder Services, Inc. Your representative will promptly forward it to Primerica Shareholder Services, Inc. where it will be deposited to fund your account.

Non-Platform Funds (Mutual Funds other than American Century, Amundi Pioneer, Invesco, Legg Mason, and Franklin Templeton):
If you provide a check with which to fund your account, please make it payable to the Fund Company in which the money is being invested. Your representative will promptly forward the check and the investment application to PFS Investments Inc. ("PFSI") in Duluth, GA. After approval and acceptance of the transaction at the PFSI home office, your check will be promptly forwarded the Fund Company where it will be deposited to fund your account.

Variable Annuities:
If you provide a check with which to fund your account, please make it payable to the insurance company issuing the variable annuity. For all annuities other than those issued by Brighthouse Financial, your representative will promptly forward the check and the investment application to PFS Investments Inc. ("PFSI") in Duluth, GA. After approval and acceptance of the transaction at the PFSI home office, your check will be promptly forwarded the insurance company where it will be deposited to fund your account. For Brighthouse annuities, your representative will promptly forward your check and application to Brighthouse, Inc. where it will be deposited to fund your account after approval is received from the PFSI home office.

Protecting Against Financial Exploitation

Financial exploitation involves the illegal or improper use of a person's funds by another individual. Examples of financial exploitation include improper use of power of attorney, coercion, or fraudulent transfer of assets. Elderly or vulnerable persons (of any age) may be especially susceptible to financial exploitation due to cognitive decline, physical disability or health problems, which can impair their capacity to recognize financial exploitation and scams. If you suspect financial exploitation with respect to your investment account please call PFS Investments Inc. at 1-800-243-8901 to report your concerns. You may also choose to designate a secondary individual for us to contact if we have reasonable concern about your well-being. To establish a secondary contact for your investment account, please contact your PFS Investments Inc. representative. For more information on how to protect against financial exploitation, visit the website http://www.finra.org/investors/highlights/protecting-seniors-financial-exploitation.

Contact Us

Click here to obtain contact information for areas or departments that you would like to contact. We appreciate the opportunity to assist you and look forward to hearing from you.

OTHER PRODUCTS

Appropriately licensed Primerica representatives may also offer products or services of other non-affiliated companies, which include:

Primerica Secure™: A personal lines insurance referral program in which representatives may refer individuals to Answer Financial® Inc., which offers insurance products and services of personal lines insurance companies through its licensed affiliates. Not all insurance products and services are available in all states. Neither Primerica, its representatives nor the Secure Program™ represent any of the insurers in the Answer Financial program. For more information, please see www.PrimericaSecure.com.

Primerica Legal Protection Program: A legal services program offered by Pre-Paid Legal Services, Inc. d/b/a LegalShield or its applicable subsidiary, through contractual agreement between Primerica Client Services, Inc. and LegalShield. Neither Primerica Client Services, Inc.,nor its officers, employees or sales representatives directly or indirectly provide legal services, representation or advice. LegalShield provides access to legal services offered by a network of provider law firms to LegalShield members through membership-based participation. Neither LegalShield nor its officers, employees or sales associates directly or indirectly provide legal services, representation or advice. Services and benefit availability may vary by state. See a plan contract for specific state of residence for complete terms, coverage, amounts, conditions and exclusions.

ID Theft Defense℠: A product of Prepaid Legal Services, Inc. d/b/a LegalShield ("LegalShield") that provides access to identity theft protection and restoration services, through contractual agreement between Primerica Client Services, Inc. and LegalShield. Neither LegalShield nor its officers, employees, or sales associates directly or indirectly provide identity theft protection, restoration services, or advice. Primerica Client Services, Inc. and its officers, employees or sales representatives do not directly or indirectly provide identity theft protection, restoration services, or advice. ID Theft Defense℠ or certain product features may not be available in all U.S. States. See specific plan details for terms, coverage, conditions, and exclusions.

Long Term Care Insurance: Offered through Genworth Financial's Long Term Care Insurance division, which includes Genworth Life Insurance Company, and in New York, Genworth Life Insurance Company of New York. A referral program in which representatives may refer individuals to LTCI Partners, LLC provides long term care insurance from these and other companies. Product availability may vary by state.

Vivint: Home automation and security services offered by Vivint, Inc. in the United States and Canada. Under a referral program, representatives may refer individuals to Vivint.

The products and services offered by the companies noted above may not be available in your jurisdiction or state. The products and services your Primerica representative may be able to offer also may be limited. Available products may be applied for and purchased separately. Please consult your local Primerica office or your Primerica representative for a listing of products and services available.

Financial Needs Analysis

The Financial Needs Analysis (FNA) is designed to assist in identifying financial needs and goals to make better informed decisions. An FNA is developed based on information you provide, as summarized on data input pages, and on certain generally accepted assumptions and reasonable estimates. It is provided as a complimentary, no-obligation service by Primerica. The Financial Needs Analysis is not a financial plan. The FNA should be construed as a guide to use in deciding how best to attain financial goals. Representatives are compensated through commissions or referral fees on the sale of financial service products offered by or through Primerica and its affiliated companies or through advisory fees associated with investment advisory accounts. Representatives are not financial planners, financial consultants or similar specialists who provide financial planning services and whose compensation may be unrelated to sales.

PRIMERICA PRODUCT & SERVICE DISCLOSURES - CANADA ONLY

Insurance

Term Life Insurance and Segregated Fund Products: Term life insurance products and Common Sense Funds™ segregated fund products are underwritten by Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario. Commissions, trailing commissions, management fees and expenses all may be associated with segregated fund investments. Please read the Information Folder before investing. Segregated funds are not guaranteed, and investments are made at the risk of the investor (subject to any applicable death or maturity guarantee, as outlined in the Information Folder). Their values fluctuate and past performance may not be repeated.

Securities

Mutual Fund Products: To sell mutual funds, Primerica Representatives must be sponsored by PFSL Investments Canada Ltd., mutual fund dealer, Head Office: Mississauga, Ontario. Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Mutual funds are sold by prospectus only. Please read the current prospectus before investing. Mutual funds are not guaranteed, their values fluctuate and past performance may not be repeated.

OTHER PRODUCTS & SERVICES

Debt Consolidation

Primerica Representatives refer clients to B2B Bank for debt consolidation loans under the B2B Bank SMART Loan Referral program. Clients should contact B2B Bank for questions regarding debt consolidation. Primerica does not deal in mortgages. Representatives are prohibited from holding themselves out as mortgage brokers, or soliciting and giving advice on mortgages for the purposes of the B2B Bank SMART Loan Referral program.

Identity Theft Insurance is underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183, USA. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on underwriting qualifications and provincial regulations.

Pre-Paid Legal Services

The Pre-Paid Legal Services program is provided by PPL Legal Care of Canada Corporation, a subsidiary of Pre-Paid Legal Service, Inc. PPL Legal Care of Canada Corporation and Pre-Paid Legal Service, Inc. are not affiliated with Primerica. Clients should contact PPL Legal Care of Canada Corporation for questions regarding any legal services. The PPLS program is only available in British Columbia, Alberta, Manitoba and Ontario.

Insurance and investments offered through Primerica are not deposits. There is no bank guarantee. They are not insured by the Canada Deposit Insurance Corporation. The products and services offered by the companies noted above may not be available in your province or territory. The products and services your Primerica Representative may be able to offer also may be limited. Please consult your local Primerica office or your Primerica Representative for a listing of products and services available.

Vivint

Home automation and security services offered by Vivint, Inc. in the United States and Canada. Under a referral program, representatives may refer individuals to Vivint. Vivint products are only available in certain Canadian provinces.

Financial Needs Analysis

The Financial Needs Analysis ("FNA") is designed to assist you in identifying your financial needs and goals so that you can make better informed decisions in managing your money. An FNA is developed based on information you provide, as summarized on data input pages, and on certain generally accepted assumptions and reasonable estimates. It is provided to you as a complimentary, no-obligation service by Primerica. The FNA is not a financial plan. The FNA should be construed as a guide for you to use in deciding how best to attain your financial goals. Representatives are compensated through commissions or referral fees on the sale of financial products offered by the financial product companies they represent. Representatives are not financial planners, investment advisors, financial consultants or other specialists who provide financial advice and whose compensation may be unrelated to sales.

Continuity of Business

Primerica Life Insurance Company of Canada ("PLICC") and PFSL Investments Canada Ltd., mutual fund dealer ("PFSL") have developed a Continuity of Business Plan that addresses the possibility of a future emergency or significant business disruption. If such an event were to affect PLICC or PFSL's headquarters, customers could continue to access their funds by contacting the following companies, depending upon the type of investments the customer owns.

PRIMERICA GENERAL & RECRUITING DISCLOSURES - CANADA ONLY

Part-Time Business Opportunity

In Canada, the part-time opportunity may be subject to certain restrictions, depending on your occupation and province.

OTHER PRIMERICA RESOURCES