Document:

Vendor Services Agreement

 Exhibit 10.32 
 VENDOR SERVICES AGREEMENT 
 This Agreement is
effective as of _ 2 / 11, 1999, between Citibank, Consumer Finance having a place of business at 750, Washington Boulevard, Stamford, CT 06901 (“CCF”) and Primerica Life Insurance Company, having a place of business at 3141 Oakcliff
Industrial Estate, Doraville, GA 30340 (“Vendor”). It sets forth the terms and conditions governing the services that Vendor shall provide to CCSI. 
 ARTICLE 1. VENDOR RESPONSIBILITIES 
 1.1 Vendor shall provide to CCF the services
described in the attached Exhibit 1 (“Services”) pursuant to the provisions of this Agreement. Performance and documentation standards, term of Agreement, timetables, and Service fees (with applicable taxes separately itemized) are set
forth in Exhibit 1. If additional services are to be covered by this Agreement, Vendor and CCF shall prepare additional sequentially numbered Exhibits signed by both parties. 
 1.2 Vendor agrees that any work product it produces pursuant to this Agreement, or any pre-existing work product that it modifies in the course of providing Services, will be considered “work for
hire” and the property of CCF, unless otherwise agreed to in writing. If and to the extent that the work product is not a “work made for hire,” Vendor hereby assigns all rights, title and interest in the work product, including but
not limited to the copyright, to CCF. Vendor shall not use such work for hire for the benefit of any party other than CCF or its affiliates. Any work product that Vendor produced prior to this Agreement’s effective date and did not modify for
purposes of providing Services will not be subject to the provisions of this section. 
 1.3 Vendor may not assign any part of the Services
without CCF’s prior written approval. Notwithstanding such approval, Vendor shall remain responsible for all obligations under this Agreement and for the acts or omissions of its agents or subcontractors. 
 1.4 To the extent Vendor performs Services on the premises of CCF or its corporate affiliates, Vendor shall observe the working hours and policies, security
measures and holiday schedules of CCF. 
 1.5 Unless CCF has given its prior written consent, Vendor shall not perform any services for any
party (other than CCF or its corporate affiliates) that directly or through a corporate affiliate issues or markets personal loans or lines of credit 
 1.6 While this Agreement is in effect and for a period of six (6) months after the termination of this Agreement, Vendor shall not hire or solicit the employment of any person whom CCF employed during the period of this Agreement or
the six-month period preceding this Agreement’s effective date. The obligations of this Article 1.6 shall survive the termination of this Agreement. 
 1.7 Vendor shall: (a) comply with all applicable laws, including all Fair Lending laws and regulations, while performing Services; (b) obtain all necessary consents and authorizations prior to
providing Services; (c) ensure that none of the Services will infringe on the proprietary or ownership rights of any party; (d) calculate, report, and remit all sales, use, excise, or similar taxes related to its performance of Services;
(e) be solely liable for any taxes, penalties, or interest which may be imposed due to Vendor’s failure to timely file returns or deposit appropriate taxes of any nature whatsoever; and (f) ensure that none of the Services, and none
of the names, marks, or graphics used in connection with the Services or any work product created by Vendor pursuant to this Agreement, infringe on the proprietary, ownership or intellectual property rights including, but not limited to, the
trademark, copyright and patent rights, of any party. 
 ARTICLE 2. CCF RESPONSIBILITIES 
 2.1 In consideration of the Services to be performed, CCF shall pay Vendor the fees set forth in Exhibit 1. And in accordance with the provisions of this
Agreement. CCF shall reimburse Vendor for reasonable and necessary out-of-pocket expenses that Vendor incurs while performing Services. Vendor shall obtain CCF’s approval in writing prior to incurring such additional expenses. 

 2.2 From time to time, CCI shall instruct Vendor how to submit itemized invoices or other expense
documentation. With notice to Vendor, CCF may withhold payments for unsatisfactory performance or for questionable expenses. Pending resolution of any disputed amount, such non-payment will not constitute CCF’s breach of this Agreement. CCF
shall reimburse authorized expenses submitted up to thirty (30) days after the termination of this Agreement. Upon termination of this Agreement, CCF shall pay Vendor for any sums owed for Services that Vendor performed prior to the termination
date if such sums are not in dispute. 
 2.3 CCF shall: (a) comply with all applicable laws while performing its responsibilities; and
(b) obtain all necessary consents and authorizations prior to performing its responsibilities. 
 ARTICLE 3. CONFIDENTIALITY 

 3.1 In performing Services, Vendor will have access to information that is confidential and proprietary to CCF (“Information”).
Information may include, without limitation: (a) names, addresses, and demographic, behavioral, and credit information relating to Citibank customers or potential Citibank customers; and (b) marketing strategies, targeting methods, and
other CCF business objectives. Vendor shall use Information only for the purpose of providing Services and shall not accumulate in any way or make use of Information for any other purpose. Vendor shall ensure that only its employees, authorized
agents, or subcontractors who need to know Information to perform Services will receive Information and that such persons agree to be bound by the provisions of this Article 3. Without CCF’s prior written consent, Vendor may not disclose
Information to any unauthorized party. Vendor shall treat Information with at least the same degree of care that it treats its own confidential information and shall exercise reasonable precautions to prevent disclosure of Information to
unauthorized parties. Vendor shall notify CCF immediately of any loss or unauthorized disclosure or use of Information that comes to Vendor’s attention. 
 3.2 The obligations with respect to Information shall not apply to Information that: (a) Vendor already knew; (b) Vendor received from a third party that had the right to make such disclosure;
(c) CCF specifically authorizes Vendor to disclose; (d) Vendor developed independently; (e) becomes part of the public domain through no fault of Vendor; or (f) Vendor was ordered to disclose by a court or agency with appropriate
jurisdiction. 
 3.3 Vendor agrees that any unauthorized use or disclosure of Information may cause immediate and irreparable harm to CCF for
which money damages may not constitute an adequate remedy. In that event, Vendor agrees that injunctive relief may be appropriate. 
 3.4 Upon
CCF’s demand, or upon the termination of this Agreement, Vendor shall comply with CCF’s instructions regarding the disposition of Information in Vendor’s possession or control. 
 3.5 Unless necessary for the performance of Services, Vendor shall not use CCF’s name or the name of a CCF affiliate in any sales publication or
advertisement or make any public statement relating to CCF or its affiliates without obtaining CCF’s prior written consent. 
 3.6 The
obligations of this Article 3 shall survive the termination of this Agreement.  
 ARTICLE 4. YEAR 2000 COMPLIANCE CERTIFICATION
AND WARRANTY 
 4.1 Any software products that Vendor utilizes in providing Services to CCF hereunder shall comply in all respects with
the CCF standards described herein for the Year 2000. Such software products shall be Year 2000 compliant if they perform the following: (a) the management and manipulation of all time-related data (including, without limitation, dates,
duration, days of the week, and single-century, multi-century, and Leap Year formulas) without causing an abnormally ending scenario within any application and without generating incorrect values involving such time-related data; and (b) the
inclusion of a reference to the century, in accordance with ISO Standard 8601, in all date-related interface functionalities and fields. Vendor shall provide CCF with periodic updates of its Year 2000 compliance performance, and if Vendor does not
provide such updates, CCF may terminate this Agreement. 
 4.2 Vendor shall cooperate with CCF to evaluate whether CCF’s internal
operations utilized in connection with the provision of the Services hereunder are compatible and will function effectively with Vendor’s Year 2000 compliant version of any software products needed to perform the Services. Vendor shall identify
any modifications to CCFs internal

  

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operations which will be required in order to facilitate the compatibility and efficient functioning of CCF’s internal operations with Vendor’s Year 2000 compliant software. Vendor
agrees to facilitate any interface testing recommended or required by CCF to ensure efficient operational functionality. 
 4.3 Vendor
acknowledges that CCF may require independent verification that Vendor’s software products used in connection with providing the Services comply with CCF’s Year 2000 standards. Vendor agrees that third parties retained by CCF may access,
copy, and use software products related to the Services solely for the purposes of evaluating and certifying such compliance. 
 4.4. Vendor
represents and warrants that it will be capable of performing all Services specified in this Agreement, both prior to and following January 1, 2000, with no disruption or inclusion of incorrect date data in the Services. In the event that
Services contain incorrect date data, CCF may terminate this Agreement or request that Vendor correct the services and the internal systems which caused such errors within 30 days. In addition, Vendor shall indemnify and hold CCF harmless from and
against any cost, loss, damage or expense (including reasonable attorney’s fees) incurred by CCF as a result of a breach of any of the foregoing warranties. 
 5. AUDITS 
 5.1 In order to verify Vendor’s compliance with this Agreement, CCF
shall have the right to conduct quarterly reviews of Vendor’s performance hereunder (“Audit”). CCF shall give Vendor reasonable advance notice of any Audit, and the parties shall schedule a mutually convenient time for any Audit.
Notwithstanding the above, CCF may conduct an Audit on twenty-four (24) hours’ prior written or telephonic notice to Vendor if CCF reasonably believes that Information has been or is about to be disclosed in an unauthorized manner.

 5.2 An Audit may include, without limitation, inspection and review of all aspects of Vendor’s business practices related to
Vendor’s performance of Services. Vendor shall cooperate fully with CCF in any Audit and shall give CCF and its auditors access to its premises for conducting an Audit. Any authorized representative of CCF may conduct an Audit. 
 53 If an Audit leads CCF to conclude that Vendor breached the provisions of this Agreement or that any of Vendor’s business practices related to its
performance of Services present a risk of unauthorized disclosure of Information, Vendor shall use its best efforts to change such business practices as soon as possible to the reasonable satisfaction of CCF. 
 ARTICLE 6. INSURANCE 
 While this Agreement is in effect, Vendor shall obtain and maintain all insurance coverages required by federal or state law, including, without limitation, workers’ compensation and disability insurance. Vendor shall also maintain the
following minimum insurance coverages: (a) comprehensive general liability Insurance for bodily injury, death, and property damage with a per occurrence limit of at least $2,000,000.00, with such policy to include broad form contractual
liability, advertisers liability, and personal injury coverage; (b) worker’s compensation and employer’s liability coverage of at least $500,000.00; and (c) fidelity bond coverage of at least $1,000,000.00. At CCF’s request,
Vendor shall promptly provide to CCF certificates from its insurers indicating the amount of insurance coverage, nature of such coverage, and expiration date of each applicable policy. 
 ARTICLE 7. INDEMNIFICATION 
 Each party shall indemnify and hold
harmless the other party, its corporate affiliates, and their officers, directors, employees, and agents from and against all obligations of any nature whatsoever (including all reasonable attorneys’ and experts’ fees) resulting from a
party’s failure to perform in accordance with any of the terms and conditions of this Agreement; provided, however, that (a) the party to be indemnified (“Indemnified Party”) notifies the other party promptly of any such claim,
and (b) such claim is not attributable to any negligent act or omission by the Indemnified Party, its corporate affiliates, or any of their officers, directors, employees, or agents. The other party shall afford the Indemnified Party the
opportunity to defend or participate in the defense of such claim. The other party shall make no settlement of an indemnified claim specifically naming or directly affecting the Indemnified Party without the Indemnified Party’s prior written
approval. This Article 7 shall survive the termination of this Agreement. 
  

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 ARTICLE 8. TERM AND TERMINATION OF AGREEMENT 
 8.1 This Agreement is effective on the date first written above and will remain in effect through the time period specified in Exhibit 1. Either party may
terminate this Agreement for breach by the other party upon providing written notice of termination. However, CCF may terminate this Agreement at any time upon providing thirty (30) days’ prior written notice to Vendor. 
 8.2 Breach of this Agreement by either party includes, without limitation, the following circumstances: (a) failure to perform any material obligation
hereunder that remains uncured after twenty (20) days’ prior written notice; (b) the admission in writing of the inability to pay debts generally as they become due or the taking of any corporate action tantamount to such admission;
(c) ceasing to do business as a going concern; (d) making any assignment for the benefit of creditors; (e) selling all or substantially all of its stock or assets; or (f) having such stock or assets acquired by or transferred to
any third party. 
 8.3 If bankruptcy proceedings are commenced with respect to either party (“Debtor”) and if this Agreement has not
otherwise terminated, then the other party may suspend all further performance of this Agreement until Debtor assumes or rejects this Agreement pursuant to Section § 365 of the Bankruptcy Code or any similar or successor provision. The other
party’s suspension of further performance pending Debtor’s assumption or rejection will not be a breach of this Agreement and will not affect the other party’s right to pursue any of its rights under this Agreement. 
 8.4. The rights of the parties to terminate this Agreement are not exclusive of any other rights and remedies they may have at law for damages or otherwise,
except the right specifically precluded in Article 9 below. 
 ARTICLE 9. JURISDICTION AND WAIVER OF JURY TRIAL 
 This Agreement and the respective rights and obligations of the parties shall be governed by the laws of the state of New York. VENDOR AND CCSI HEREBY WAIVE
THE RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING OR LITIGATION BROUGHT AGAINST THE OTHER WITH RESPECT TO THIS AGREEMENT OR VENDOR’S PERFORMANCE OF SERVICES. 
 ARTICLE 10. INDEPENDENT CONTRACTOR 
 Vendor shall perform the Services as an
independent contractor, and nothing contained in this Agreement or otherwise shall be deemed to create any employment, partnership, or joint venture between Vendor and CCF. Vendor acknowledges that Services performed are solely within its control,
and neither Vendor nor any of its employees will hold itself out as anything but an independent contractor to CCF. 
 ARTICLE 11.
NOTICES 
 Any notice or communication required under this Agreement will be effective when received and sufficient if given in
writing and delivered by certified mail, registered mail, or by an overnight delivery service of general commercial use (such as UPS, Federal Express, or Airborne) addressed as follows: 
  

			
	To CCF:	  	Citibank Consumer Finance
		  	750 Washington Boulevard, 9th Floor
		  	Stamford, CT 06901
		  	Attention: Rajive Chadha, Vice President
		
	To Vendor:	  	 Primerica Financial Services
 3141 Oakcliff Industrial Estate
 Doraville GA 30340
 Attention: Mitch Slayton

 ARTICLE 12. ENTIRE AGREEMENT; AMENDMENT; ASSIGNMENT 
 12.1 This Agreement, together with any attached Exhibits, shall constitute the entire Agreement between CCF and Vendor with respect to Services and shall
supersede all prior agreements respecting those Services. 
  

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 12.2 This Agreement is and shall be binding upon and inure to the benefit of both parties and their
respective legal representatives, successors, and permitted assigns and may not be changed or modified except in a writing signed by both parties. 
 12.3 This Agreement and its obligations may not be assigned by either party except upon written consent of the other party. However, CCF may assign any of its rights or obligations under this Agreement to a corporate affiliate with the
necessary resources to perform this Agreement upon providing written notice to Vendor. 
 ARTICLE 13. WAIVER; SEVERABILITY

 13.1 A failure or delay of either party to enforce any of the provisions of this Agreement may in no way be construed to be a waiver of
such provision. 
 13.2 Any provision of this Agreement that is invalid, illegal, or unenforceable for any reason shall be ineffective only to
the extent of such invalidity, illegality, or unenforceability, without affecting in any way the remaining provisions or rendering any other provision of this Agreement invalid, illegal, or unenforceable. 
 IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be signed as of the date first written above. 
  

									
	CITIBANK, Consumer Finance	 		 	PRIMERICA LIFE INSURANCE COMPANY
					
	By:	 	 	 		 	By:	 	/s/ Mitch Slayton
	Name:	 	 	 		 	Name:	 	 Mitch Slayton

	Title:	 	 	 		 	Title:	 	E.V.P.
	Date:	 	 	 		 	Date:	 	5/13/99

  

 5Intra-Citi Service Agreement

 Exhibit 10.33 
 INTRA-CITI SERVICE AGREEMENT (“ICSA”) 
 This ICSA is entered
into as of the date hereof, by and between the Service Provider and the Customer designated herein (collectively, the “Parties”). The Parties acknowledge they are entering into this ICSA pursuant to the provisions of the General Terms and
Conditions for Intra-Citi Services Agreements (Effective Date: September 1, 2007) (the “GTC”). The Parties further acknowledge and agree that the provisions of the GTC and the provisions of each Country Addendum (“CA”) and
Performance Level Standards Document (“PLSD”) that is applicable to the Services contemplated by this ICSA are hereby incorporated by reference and shall apply to this ICSA as though such provisions were set forth herein in their entirety.

 SECTION I. AGREEMENT OVERVIEW 
  

							
	1. ICSA# / Identifier	  	109
			
	2. ICSA Service Description:	  	Check Box CGICS / NON CGICS
 (Check One only)
	  	Note: A check mark in the CGICS box at left, evidences that the Parties have agreed that the product and service description and pricing posted on the CGICS intranet
site (as amended from time-to-time to reflect Services performed on or after the Effective Date) is incorporated into this ICSA.
	(skip to SECTION II if CGICS box checked at right)	  	 ̈ CGICS	  	þ Non CGICS	  
		
	 3. Detailed Services Description:
  

(Required if non CGICS box checked in Item 2.)
	  	Service Provider will provide printing, creative and distribution services as requested from time to time by Customer. Customer will initate written orders with Service
Provider to include product and service specifications and pricing. Customer will approve all work through an agreed-upon review process prior to final production.

 SECTION II. CONTACT NAMES 
 (i.e., CFO, Director of Finance, Treasurer, etc) 
  

							
	1a. Customer Contact Name	  	Dan Waszelewski	  	1b. Service Provider Contact Name	  	Brian McDaniel

 SECTION III. PARTIES INVOLVED 
 (See Legal Vehicle Organization Structure (LVOS) for Legal Vehicle listing) 
 http://www.citigroup.net/citigroupbusinessservices/citifinance/lvos/ 
  

							
	1a. Customer Legal Vehicle Name	  	Citi Retail Services Division of Citicorp Trust Bank, fsb	  	1b. Service Provider Legal Vehicle Name	  	Primerica Life Insurance Company
				
	 2a. Customer Legal Entity Location (Country)
  
 (If Legal Vehicle in 1.a. has foreign branches, insert Country of consumption of the Services)
	  	United States	  	 2b. Service Provider Legal Entity Location (Country)
  
 (If Legal Vehicle in 1.b. has foreign branches, insert Country in which Services
rendered)
	  	United States
				
	 3a. Customer FRS BU # (s)
 (Includes, but is not limited to, the FRS BU#(s) identified here)
	  	18595	  	 3b. Service Provider FRS BU # (s)
 (Includes, but is not limited to, the Legal Vehicle FRS BU#(s) identified here)
	  	19510

 SECTION IV. PRICING 
 (Skip to SECTION V if CGICS box checked in Item 2 of SECTION I.) 
  

							
	 1. Arm’s Length Pricing Method Selected
 (select from dropdown menu)
	  	Cost Plus Mark-up	  	If “Other”, please describe	  	
			
	 2. Unit of Measure/Volume
 (if applicable)
	  	To be provided in applicable work order	  	

											
	3. Unit Cost (if applicable)	  	To be provided in applicable work order
	
	SECTION V. PAYMENT
		
	1. Timing (frequency of cash settlement)	  	Monthly, unless otherwise provided in the applicable work order
		
	2. Currency (select from dropdown menu)	  	USD United States Dollars
					
	3. Payment Booking Details (Customer)	  	 Select Payment Type
 (Choose either Cost Center with Corp Code or DDA/Staar# with Staar Contact)
	  		  		  	
						
		  	Cost Center with Corp
Code	  	DDA/Staar# with Staar Contact	  	Business Unit# (BU)	  	FRS G/L Account #	  	ICE Code
						
	Reference	  	Wire Transfer	  		  	18595	  		  	
					
	4. Payment Booking Details (Service Provider)	  	 Select Payment Type
 (Choose either Cost Center with Corp Code or DDA/Staar# with Staar Contact)
	  		  		  	
						
		  	Cost Center with Corp Code	  	DDA/Staar# with Staar Contact	  	Business Unit# (BU)	  	FRS G/L Account #	  	ICE Code
						
	Reference	  		  		  	19510	  	ISO 1826000	  	91

 SECTION VI. OTHER PROVISIONS 
 1. Amendments to GTC, CAs, and PLSDs. The Parties acknowledge that the GTC and applicable CAs and PLSDs may be amended/updated from time-to-time and understand that any amended GTC, CA, or PLSD
will be identified and posted to the CGICS Intranet Site. The Parties agree to be bound by any amended GTC, CA or PLSD. 
 2. Except to the
extent prohibited by a CA applicable to this ICSA, the Services covered hereunder may be subcontracted or outsourced to another Citi affiliate and any such Citi affiliate shall be subject by the terms of any CA that applies to these Services.

  

					
	3. Other (insert text in box)    	  	 

 SECTION VII. APPROVAL 
 IN WITNESS WHEREOF, the Parties hereto, through their duly authorized officers, have executed this ICSA. 
  

							
		  	Customer	  		  	Service Provider
				
	Signature:	  	/s/ George D Waszelewski	  		  	/s/ Brent A. Slayton
	Print Name:	  	George D Waszelewski	  		  	Brent A. Slayton
	Title:	  	AVP	  		  	SVP
	Date:	  	2-25-2009	  		  	2/26/2009
	Effective Date:

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