Document:

Loan Brokerage Agreement

 Exhibit 10.44 
 LOAN BROKERAGE AGREEMENT 
 This Loan Brokerage
Agreement (the “Agreement”) is entered into this day by and among CITICORP TRUST BANK, FSB (referred to herein as “CTB”), CITIMORTGAGE, INC. (referred to herein as “CMI”), having an address at 4000 Regent Blvd., Irving,
Texas 75063 and PRIMERICA FINANCIAL SERVICES HOME MORTGAGES, INC., having an address at 3120 Breckinridge Blvd., Duluth, Georgia 30099 (herein referred to as “Broker”). 
 WHEREAS, Broker is in the business of sourcing, originating and processing applications for residential loans secured by first liens on one
to four family residences and desires to submit such applications to CTB or CMI to be further processed, underwritten and approved for funding hereunder; and 
 WHEREAS, CTB and CMI will determine which company should accept and process the loan application (CTB or CMI, when receiving and processing the residential loan applications, will be collectively and
individually referred to herein as “Lender”); and 
 WHEREAS, Lender, is in the business of funding Mortgage Loans (as
defined below) that are acceptable to Lender, in accordance with the “Lender Guidelines” (as defined below). 
 NOW,
THEREFORE, for and in consideration of the mutual covenants and agreements set forth herein, and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Lender and Broker agree as follows: 
 SECTION 1 
 Definitions 
 In addition to the definitions having the meanings indicated elsewhere throughout this
Agreement, the following terms shall have the following meanings: 
 Section 1.1. “Agreement” shall refer to this
Loan Brokerage Agreement, and all subsequent amendments and supplements to it. 
 Section 1.2 “Application” or
“Mortgage Loan Application” shall mean the Uniform Residential Loan Application Form 1003, its equivalent, or other Mortgage Loan or Mortgagor information submission (including, but not limited to, a Mortgage Loan information kit submitted
in connection with a prequalification request) and shall also include all additional forms, documents and other information provided by Broker to Lender in accordance with Lender’s established application procedures for Lender to use to
determine whether to close and fund a Mortgage Loan. 
 Section 1.3 “Broker” shall mean Primerica
Financial Services Home Mortgages, Inc. 
  

 LOAN BROKERAGE AGREEMENT –PAGE 1 

 Section 1.4. “Business Day” shall mean any day other than a Saturday, Sunday or a
day on which banking or savings institutions in Dallas, Texas or Atlanta, Georgia are authorized or obligated by law or executive order to be closed for business with the general public. 
 Section 15. “Claim” shall have that meaning set forth in Section 4.3. 
 Section 1.6. “FHLMC” shall mean the Federal Home Loan Mortgage Corporation, or any successor thereto. 
 Section 1.7. “FHLMC Guidelines” shall mean the guidelines and requirements of FHLMC regarding sales of residential Mortgage
Loans to FHLMC, as may be amended from time to time by FHLMC. 
 Section 1.8. “FNMA” shall mean the Federal
National Mortgage Association, or any successor thereto. 
 Section 1.9. “FNMA Guidelines” shall mean the
guidelines and requirements of FNMA regarding sales of residential Mortgage Loans to FNMA, as may be amended from time to time by FNMA. 
 Section 1.10. “HUD” shall mean the U.S. Department of Housing and Urban Development, or any successor thereto. 
 Section 1.11. “HUD Guidelines” shall mean the guidelines and requirements of HUD regarding the origination, processing, underwriting, closing and funding of loans to be insured by the
Federal Housing Administration (“FHA”). 
 Section 1.12. “Investor Guidelines” shall mean the
guidelines and requirements of private mortgage investors regarding sales of residential Mortgage Loans to such investors by Lender. 
 Section 1.13 “Lender” shall mean Citicorp Trust Bank, fsb or CitiMortgage, Inc., dependent upon which entity is the recipient and processor of the Mortgage Loan Applications. 
 Section 1.14. “Lender Guidelines” shall mean those requirements, guidelines, product profiles, purchase procedures, and other
documents delivered by Lender to Broker setting forth Lender’s requirements for processing, underwriting and funding of Mortgage Loans under this Agreement; and Lender Guidelines shall also have that meaning set forth in Section 2.2
hereunder. 
 Section 1.15. “Loan File” shall mean all records, files, documents, ledgers, computer printouts,
microfiche, reports, and other information and data relating to the Mortgage Loans. 
  

 LOAN BROKERAGE AGREEMENT –PAGE 2 

 Section 1.16. “Monthly Payment” shall mean the scheduled Monthly Payment of
principal and interest, plus any applicable escrow payment and/or private mortgage insurance premiums on a Mortgage Loan. 
 Section 1.17. “Mortgage” shall mean the mortgage, deed of trust, trust deed, or other instrument creating a first or subordinate lien (as applicable) on an estate in fee simple and real property, which secures a mortgage
note. 
 Section 1.18. “Mortgage Loan” or “Loan” shall mean those Mortgage Loans meeting the criteria
set forth herein, including, without limitation, the Lender Guidelines, which have been originated and processed by Broker and which are subsequently further processed, underwritten, closed and funded by Lender. 
 Section 1.19. “Mortgage Note” shall mean the Note or other evidence of indebtedness of a borrower/mortgagor to the
Lender/mortgagee. 
 Section 1.20. “Mortgaged Property” shall mean the property subject to the lien of a
Mortgage, which secures a Mortgage Note. 
 Section 1.21. “Mortgagor” shall mean the obligor on a Mortgage Note.

 Section 1.22. “Party” shall mean a signatory of this Agreement. 
 Section 1.23 “Sales Force Representatives” shall mean the exclusive independent contractor representatives of Broker who have
signed a contract with Broker and who are authorized by Broker to conduct mortgage loan origination activities on behalf of Broker. 
 Section 1.24 “VA” shall mean the U.S. Department of Veterans Affairs or any successor thereto. 
 Section 1.25 “VA Guidelines” shall mean the guidelines and requirements of VA regarding the origination, processing, underwriting, closing and funding of loans to be guaranteed by the VA. 
 SECTION 2 
 Origination, Processing, Underwriting and Funding of Mortgage Loans 
 Section 2.1 Upon execution of this
Agreement, Broker may submit one or more Application packages for Mortgage Loans to be processed, underwritten, closed and funded by Lender. All Mortgage Loan Application packages submitted to Lender under the terms of this Agreement shall comply
with the Lender Guidelines relating to the type of Mortgage Loans which Lender is willing to consider funding from Broker. Lender shall determine, in its sole and absolute discretion, whether the Mortgage Loans will be processed, underwritten,
closed and funded by CTB or CMI. The Parties agree that the Mortgage Loans shall be processed, underwritten, closed and funded by CTB through September 30, 2010. On or after October 1, 2010, Lender may transition all or a

  

 LOAN BROKERAGE AGREEMENT –PAGE 3 

 
portion of the processing, underwriting, closing and funding of the Mortgage Loans to CMI provided the following: (a) Lender has provided Broker at least 60 days notice of any such
transition prior to the transition date; and (b) prior to any such transition to CMI regarding Mortgage Loans originated in the State of California, CMI has obtained a California Finance Lenders License. Notwithstanding the previous sentence,
should Lender receive any negative notification from the California Department of Corporations either denying, restricting or conditioning CMI’s application for a California Lenders License or which would require Lender to originate Mortgage
Loans under California law rather than under its federal authority, would require Lender to license its employees under California mortgage loan originator licensing requirements, would otherwise subject Lender to any state examination then Broker
acknowledges that Lender may surrender its California Finance Lenders License. Lender agrees to notify Broker within five (5) business days after it becomes aware of any such negative notification from the California Department of Corporations
(as described above). 
 Section 2.2 Broker agrees that its activities related to all Mortgage Loan Applications submitted
to Lender under and pursuant to the terms of this Agreement shall be in compliance with Lender Guidelines. Under the terms of this Agreement, the term “Lender Guidelines” shall be deemed to incorporate, as applicable, the FNMA Guidelines,
the FHLMC Guidelines, the HUD Guidelines, the VA Guidelines and the Investor Guidelines. Broker acknowledges that Broker is familiar with the FNMA Guidelines, FHLMC Guidelines, HUD Guidelines, the VA Guidelines and Investor Guidelines, which shall
be deemed to be included within the term Lender Guidelines. To the extent Lender adopts rules, requirements, guidelines and procedures which are different from the FNMA Guidelines, FHLMC Guidelines, HUD Guidelines, VA Guidelines or Investor
Guidelines, Lender shall provide such Lender Guidelines to Broker, within a reasonable time after its adoption by Lender. Broker shall be deemed to understand and be aware of any changes to the FNMA Guidelines, FHLMC Guidelines, HUD Guidelines or VA
Guidelines, regardless of whether such information is provided by Lender. 
 Section 2.3 Broker acknowledges and agrees
that, from time to time, Lender shall supplement, change, amend or modify the Lender Guidelines. Lender agrees to use reasonable efforts to provide Broker notice of any changes to the Lender Guidelines which are different from the FNMA Guidelines,
FHLMC Guidelines, HUD Guidelines, VA Guidelines or Investor Guidelines within a reasonable time after its adoption by Lender. Broker agrees that all Mortgage Loans submitted by Broker to Lender under the terms of this Agreement shall be submitted in
accordance with the Lender Guidelines then in effect, regardless of whether Broker has actual notice of any supplementation, change, amendment, or modification to such Lender Guidelines. 
 Section 2.4 Broker acknowledges and agrees that with regard to any Mortgage Loan Application submitted by Broker to Lender under the
terms of this Agreement and the Lender Guidelines, Lender shall have the right to accept or reject such Mortgage Loan Application in its sole and absolute discretion. In the event of its rejection of a Mortgage Loan Application submitted by Broker,
Lender shall have no obligation, responsibility or liability to Broker by virtue of such rejection. 
 Section 2.5 It is
understood and agreed that this Agreement is intended to apply to those Mortgage Loans which have those characteristics set forth in Exhibit “A”, in addition to such other requirements as may be set forth herein or in the Lender
Guidelines. 
 Section 2.6 As of the date of this Agreement, Broker is not engaged in imposing or collecting fees from
applicants for the Mortgage Loans. Nothing in this Agreement will prohibit

  

 LOAN BROKERAGE AGREEMENT –PAGE 4 

 
Broker from imposing and collecting fees (“Broker Fees”) from loan applicant(s), for consultation and other Mortgage Loan-related services (“Broker Services”). Broker agrees
that all such Broker Fees shall only be imposed in accordance with applicable federal (including but not limited to the Truth-in-Lending Act and the Real Estate Settlement Procedures Act) and state laws and regulations. Prior to imposition of any
Broker Fees for such Broker Services, Broker agrees to disclose all Broker Fees as required by any federal, state or local law and regulations. Broker agrees that all Broker Fees shall be collected at closing and disbursed from closing funds if
authorized by the borrower(s). Broker expressly agrees that payment of Broker Fees will not be a condition of closing. Any dispute regarding a Broker Fee shall be resolved by the Broker and the borrower(s) without involvement by Lender. If any
application submitted by Broker to Lender is rescinded or withdrawn pursuant to applicable federal (including but not limited to the Truth-in-Lending Act) and state laws and regulations, Broker will refund to the rescinding borrower(s) Broker Fees
in accordance with all such laws and regulations. Broker will immediately reimburse Lender upon request for any Broker Fee refunded by Lender in the event of such a rescission or withdrawal. If, in the sole discretion of Lender, Broker’s
actions or inaction causes a tolerance violation under the Truth in Lending Act, Regulation Z, the Real Estate Settlement Procedures Act, Regulation X or any other applicable law, then Broker agrees to immediately reimburse Lender for any proceeds
paid by Lender to cure such violation. 
 Section 2.7 It is understood and agreed that Broker fees and compensation, if
otherwise allowed by applicable Lender Guidelines, federal, state and local law, shall be limited to one percent (1.0%) of the gross loan amount on each Mortgage Loan (the “Compensation Cap”). 
 Section 2.8 A. Broker may advertise to the public the availability of various loan programs and Broker services offered under this
Agreement, but Broker may not, in any way, directly or indirectly identify Lender in any such advertising unless (i) required by applicable law or (ii) Lender has, in advance, approved in writing the use of Lender’s name and the
manner in which Lender’s name is used in such advertising, which approval shall not be unreasonably withheld. 
 B. Broker
agrees that the borrower(s) on all Loans, whether currently in Lender’s portfolio or at the time of funding or closing by Lender on future originated Mortgage Loans, are or will become the customers of Lender for all Mortgage Loan-related
purposes, and Lender may solicit and/or market any ancillary products or mortgage loan refinance products to such borrower(s) as it deems appropriate without the consent from or involvement of Broker subject to the following: 
  

	 	(i)	 From the date of this Agreement through September 30, 2010, Lender agrees that Lender shall not begin any campaigns for refinancing the Mortgage
Loans currently in Lender’s portfolio and that Broker shall have the sole and exclusive right to conduct a refinance marketing campaign for such Mortgage Loans in Lender’s portfolio as of this date as long as Broker either distributes to
its sales force the name and contact information of such borrowers or markets such Mortgage Loans directly to Broker’s customers by distributing (or marketing) to the Marketing List (as defined below) within sixty (60) days from the later
of (a) the receipt of Lender’s marketing plan provided to Broker; or (b) the date the Mortgage Loan program contemplated under this Agreement is available to Broker

  

 LOAN BROKERAGE AGREEMENT –PAGE 5 

	 	 
by Lender. Broker will use its commercially reasonable efforts to then encourage its sales force to actively contact and/or respond to those customers and offer Mortgage Loan products of Lender;
and 

  

	 	(ii)	The Marketing List shall be formed by Broker providing Lender with a list of Broker’s customers that may be customers of CTB, which list will be reviewed by CTB
and any Mortgage Loan on such list which is held in Lender’s portfolio as of the date of this Agreement will be listed in priority order for contact; such prioritized list shall be the list used by Broker as referenced above; and

  

	 	(iii)	In the event Broker fails to distribute the Marketing List as required above, Broker’s exclusive right to conduct a refinance marketing campaign shall terminate at
the end of the calendar month when such failure occurs; and 

  

	 	(iv)	In any event, Broker’s exclusive right to conduct a refinance campaign shall end September 30, 2010. 

 C. With regard to targeted solicitation and marketing of ancillary products to customers sourced to Lender by Broker and who are in the
Mortgage Loan portfolio of Lender currently owned and serviced by Lender and on any future originated Mortgage Loans sourced to Lender by Broker under the terms of this Agreement and serviced by Lender, to the extent that Lender as servicer controls
the cross-marketing of ancillary products to the Mortgage Loans, it is agreed that Lender will voluntarily restrict targeted marketing campaigns of the following ancillary products to such customers during the term of this Agreement: 
  

	 	(i)	Individual Life Insurance 

  

	 	(ii)	Long Term Care Products 

  

	 	(iii)	Property and Casualty/Automobile and Homeowner’s Insurance 

  

	 	(iv)	Mutual Funds 

  

	 	(v)	Variable and Fixed Annuities 

  

	 	(vi)	Legal Protection Products 

  

	 	(vii)	Credit Information Products and Credit Score Monitoring Products 

  

	 	(viii)	Health Insurance 

  

	 	(ix)	Disability Insurance 

  

	 	(x)	Income Protection Products 

  

	 	(xi)	Unsecured Personal Loans 

 For purposes of this
paragraph 2.8.C., the terms “targeted solicitation” and/or “targeted marketing campaigns” refer to the marketing of a specific product or service to a pre-selected customer segment via direct mailing campaigns, monthly statement
messaging or inserts, direct customer e-mail campaigns, or outbound telesales campaigns. The terms “targeted solicitations” and/or “targeted marketing campaigns” do not refer to (i) web-based, print-based, radio, or
television advertising (ii) any other marketing or advertising not directed to the customer segment of Lender’s customers that were sourced by Broker; or (iii) responding to customer inquiries regarding any product or service.

 Lender shall not be restricted from selling loans to investors that will allow restrictions on cross-marketing of ancillary products. To the
extent Lender sells any Mortgage Loan to an investor who purchases or requires the ability to cross-market ancillary products to Mortgagors (regardless of whether servicing is retained by Lender), Lender shall not be required to restrict
cross-marketing of ancillary products as set forth in this paragraph 2.8.C for such Mortgage Loans that have been sold. 
  

 LOAN BROKERAGE AGREEMENT –PAGE 6 

 D. Notwithstanding the provisions of paragraph 2.8.B above, it is understood and agreed that
Broker may solicit current customers that are Mortgage Loan borrowers of Lender and which are owned and serviced by Lender as of the date of this Agreement and submit any Mortgage Loan Applications to Lender under the terms of this Agreement. Such
Mortgage Loan Applications shall be processed by Lender as contemplated by this Agreement, and Broker shall be compensated for the services performed in connection with such Mortgage Loan Applications(s) which are closed and funded under the terms
of this Agreement. 
 E. If Lender sells all or any portion of the Mortgage Loan portfolio to a third party, Broker’s
exclusive right as set forth in Section 2.8.B to solicit borrowers of such loans which were sold by Lender for refinance and any voluntary limit by Lender on the targeted marketing of ancillary products as set forth in Section 2.8.C will
terminate. 
 F. Effective for Mortgage Loans with a closing date on or after April 1, 2010, during the first twelve
(12) months after the purchase, funding or closing date, neither Broker nor any of its directors, officers, employees, or affiliates shall, at any time, without the prior written consent of Lender, use targeted advertising, to solicit or
otherwise directly encourage or incent the Mortgagor(s) to refinance or prepay in full the Mortgage Loan that was funded or closed by Lender. 
 Section 2.9 As set forth above, it is contemplated that Broker shall submit Mortgage Loan Applications to Lender which shall be further processed, underwritten, closed and funded by Lender and all
Mortgage Loan documents will be written in the name of Lender. In addition to the other representations and warranties herein, Broker represents and agrees that: 
 A. Broker shall be obligated to provide any disclosures specifically required by Broker under any brokerage disclosure laws in any state where such loans are closed, if required by applicable state or
federal law, rule, regulation or ordinance. 
 B. Under no circumstances shall Broker submit any Application for Mortgage Loans
in which Broker knows that such Mortgage Loans would be considered “high cost”, “predatory” and/or a similar loan type requiring additional documentation under federal, state or local law or regulations. 
 SECTION 3 
 Broker’s and Lender’s Representations 
 Section 3.1 The representations, warranties,
covenants and agreements of Broker set forth below in Sections 3.2 and 3.3 shall continue and survive the closing and funding of any Mortgage Loan by Lender and such representations, warranties, covenants and agreements shall inure to the benefit of
Lender, its successors and assigns. Broker acknowledges that Lender shall be funding the Mortgage Loans in reliance upon the truth and accuracy of all the warranties, representations, covenants and

  

 LOAN BROKERAGE AGREEMENT –PAGE 7 

 
agreements set forth in this Section, elsewhere in this Agreement, and in the Lender Guidelines. Broker hereby represents, warrants, covenants and agrees as follows: 
 Section 3.2 Representations concerning Broker. 
 A. The Broker is, and at all material times during the transactions contemplated hereby shall be, licensed or registered under and in compliance with the laws of the state where the property securing the
Mortgage Loan (the “Mortgaged Property”) is located or the Broker is and at all material times shall be, exempt from the licensing requirements of such laws. To the extent required by applicable federal, state or local law, ordinance or
regulation, Broker further agrees to register or license all Broker’s employees, agents, Sales Force Representatives and other personnel as required by applicable laws and shall properly maintain such registration or licensing during the term
of this Agreement. Broker shall notify Lender within five (5) business days of Broker receiving notice if any license or registration required under this subsection held by Broker lapses, expires, is terminated or is voluntarily or
involuntarily surrendered for any reason whatsoever or if Broker is unable to obtain a license or registration despite Broker’s best efforts. Within five (5) business days of receipt of a request by Lender, Broker shall provide Lender with
sufficient evidence to confirm that Broker, its employees, agents, Sales Force Representatives and other personnel are properly licensed, registered or exempt. 
 B. Broker has all requisite power, and authority, corporate or otherwise, to carry on its business as it is now being conducted. Broker has full power, authority, and capacity, corporate and otherwise, to
execute and deliver this Agreement and to perform all of its obligations hereunder. The execution, delivery, and performance of this Agreement by Broker and the consummation of the transactions contemplated hereby have been duly and validly
authorized by all necessary corporate, shareholder or other action. This Agreement has been duly and validly executed and delivered by Broker. This Agreement is enforceable against Broker in accordance with its terms. 
 C. Neither the execution and delivery of this Agreement, nor the consummation of the transactions contemplated hereby, nor compliance with
the terms and conditions hereunder shall conflict with, result in the breach of or constitute a default under any of the terms, conditions or provisions of Broker’s articles of incorporation or bylaws, or any similar corporate or organizational
document of Broker, or of any mortgage, indenture, deed of trust, loan or credit agreement, or other agreement or instrument to which Broker is a party or by which Broker is bound; nor will the execution and delivery of this Agreement create or
impose any lien, charge or encumbrance of any nature upon any of the Mortgage Loans funded by Lender under the terms hereof, or upon any of the properties or assets of Broker. 
 D. As of the date of this Agreement, there is no litigation, proceeding, or governmental investigation existing or pending or to the
knowledge of Broker, threatened, or any order, injunction, or decree outstanding against or related to Broker or the Mortgage Loans that has not been disclosed by Broker to Lender or its counsel in writing which could have an adverse effect upon the
closing or funding of the Mortgage Loans, or the servicing thereof, or the performance by Broker of its obligations under this Agreement, or the performance by the Mortgagor of the terms of the Mortgage Loan, nor does Broker know of any reasonable
basis for any such litigation, proceeding, or governmental investigation. Broker agrees to notify

  

 LOAN BROKERAGE AGREEMENT –PAGE 8 

 
Lender within five (5) business days of Broker receiving notice if it (i) becomes the subject of any enforcement and/or investigative proceeding by any licensing or regulatory authority
or agency, with the exception of routine regulatory examinations, or (ii) becomes aware of any litigation, proceeding or governmental investigation, order or injunction as contemplated by this section. 
 E. To the knowledge of Broker, all of the representations and warranties in any instrument, application, Mortgage Loan document or other
document furnished to Lender by Broker (or at the direction of Broker) in connection herewith or in connection with any Mortgage Loan submitted hereunder shall be true, correct and accurate regardless of whether made by Broker or a Mortgagor. To the
knowledge of Broker, no representation, warranty, or statement made by Broker in this Agreement or any representation, warranty or statement made by Broker or a Mortgagor in any document or instrument furnished or referred to in this Agreement or in
the Lender Guidelines contains any untrue statement or omits or will omit to state a fact necessary to make the statements contained herein or therein not misleading. 
 F. Broker has complied with the requirements of all applicable federal, state and local laws, rules, regulations, statutes or ordinances applicable to a Mortgage Loan submitted to Lender hereunder to the
extent applicable to Broker, including, but not limited to, those governing usury, flood protection, consumer credit, equal credit opportunity, truth-in-lending, real estate settlement procedures, brokerage disclosure, licensing and/or registration
and all other similar laws, rules, regulations, statutes or ordinances pertaining to the Mortgage Loan. 
 G. Broker agrees to
provide all such documentation, facts, information or other assistance as may be reasonably required or requested by Lender which relates to the origination, application, processing, documenting, funding, or closing of any Mortgage Loan originated
by Broker. 
 H. Broker agrees that all forms, documents and procedures used by Broker in conjunction with the origination of the
Mortgage Loan and in conjunction with the application and processing shall be in accordance with those forms, documents and procedures specifically required by Lender as set forth in the Lender Guidelines; or, if Lender has not provided a particular
form, document, or procedure, the form, document, or procedure shall be the standard FNMA, HUD, VA or FHLMC form, document, or procedure. In any event, Broker represents and warrants that all forms, documents and procedures comply in all respects
with all applicable federal, state and local laws, rules, regulations, statutes or ordinances. 
 I. Broker agrees that Broker
shall conduct all of its activities with regard to any Mortgage Loan in such a way that such loans shall be eligible for insurance by private mortgage insurance companies approved by FNMA and FHLMC, FHA insurance or VA guaranty, as applicable.

 J. Broker agrees that it shall provide such financial information to Lender as may be reasonably requested by Lender from time
to time, in order to allow Lender to evaluate Broker’s financial capability to satisfy its obligations hereunder. This includes, but is not limited to, allowing Lender to periodically, upon five (5) business days advance notice to Broker,
investigate the financial (including but not limited to obtaining credit reports) and other status of Broker. 
  

 LOAN BROKERAGE AGREEMENT –PAGE 9 

 K. Broker agrees that it does not now, and will not in the future knowingly employ or engage
as a Sales Force Representative, any entity or individual on the FHLMC exclusionary list. 
 L. Broker agrees to immediately
notify Lender if (i) Broker becomes the debtor in any voluntary or involuntary bankruptcy proceeding, (ii) Broker requests the appointment of a receiver, (iii) Broker has incurred or is likely to incur a material, adverse change in
its financial condition, and/or (iv) there is any material change in Broker’s ownership or management, with the exception of the contemplated change in Broker’s ownership and management described in Form S-1, Registration Number
333-162918 originally, filed with the Securities and Exchange Commission on November 5, 2009, as amended. 
 M. Neither,
Broker, nor any of its officers, directors, loan originators, employees or Sales Force Representatives, currently is, or at anytime during the term of this Agreement shall be: 
 i) suspended, debarred, under a limited denial of participation (LDP), or otherwise restricted under 2 CFR part 2424 or 24
CFR part 25, or under similar procedures of any other Federal agency; 
 ii) indicted for, or have been convicted
of, an offense that reflects adversely upon the integrity, competency, or fitness to meet the responsibilities hereunder; 
 iii) subject to unresolved findings as a result of HUD or other governmental audit, investigation, or review; 
 iv) engaged in business practices that do not conform to generally accepted practices of prudent brokers; 
 v) convicted of, or have pled nolo contendre to, a felony related to participation in the real estate or mortgage loan industry; 
 vi) in violation of provisions of the Secure and Fair Enforcement (SAFE) Mortgage Licensing Act of 2008 or any similar or
applicable provision of state law; or 
 vii) in violation of any other requirement established by the Secretary
of HUD. 
 N. Broker has established policies and procedures to comply with all applicable federal, state and local laws and
regulations as well as applicable FNMA Guidelines, FHLMC Guidelines, HUD Guidelines, VA Guidelines and Investor Guidelines. Upon five (5) days advance written notice, Broker shall provide copies of such policies and procedures to Lender.

  

 LOAN BROKERAGE AGREEMENT –PAGE 10 

 O. To the knowledge of Broker, neither Broker nor any of its loan originators, employees or
Sales Force Representatives have made any verbal representations or assurances to a Mortgagor regarding the availability of specific Mortgage Loan terms or Mortgage Loan pricing. 
 Section 3.3 Representations concerning the Mortgage Loans. 
 A. All Mortgage Loans conform to the Lender Guidelines. 
 B. All applications for Mortgage Loans have been originated and sourced solely by Broker (or those agents or Sales Force Representatives designated by Broker in writing and for which Broker is solely
responsible), unless otherwise expressly agreed to and approved by Lender in writing. 
 C. To the knowledge of Broker, the
Mortgaged Property is undamaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty; and, to the knowledge of Broker, there is no proceeding pending for the total or partial condemnation of the Mortgaged
Property. 
 D. Broker has no knowledge of any circumstances or conditions with respect to the Mortgage Loan, the Mortgaged
Property, the Mortgagor or the Mortgagor’s credit standing that can be reasonably expected to (i) cause Lender or private institutional investors to regard the Mortgage Loan as an unacceptable investment; (ii) cause the Mortgage Loan
to become delinquent; or (iii) adversely affect the value or marketability of the Mortgage Loan; 
 E. To the knowledge of
Broker, no improvement located on or being part of the Mortgaged Property is in violation of any applicable zoning law or regulation; 
 F. Broker shall make prompt, timely, full accurate and truthful disclosure to Lender, of all facts, information and documentation known to Broker or of which Broker has actual notice of, which could reasonably be expected to affect or has
affected the validity, collectability, security and/or enforceability of any Mortgage Loan originated by Broker, including all facts, information and documentation relating to any disputes, proceedings, litigation or governmental action threatened,
anticipated, or pending, respecting the Mortgagor, the Mortgaged Property, or the Mortgage Loan, as well as all facts, information and documentation relating to the Mortgagors or their creditworthiness or to the value of condition of the Mortgaged
Property. Any alteration, deterioration, waste or destruction (complete or partial) or other damage or injury to the Mortgaged Property which would reasonably be expected to affect its value or condition, or otherwise would reasonably be expected to
affect or impair any security to be granted to Lender, or its assignees or successors, upon funding of such Mortgage Loan, which has not theretofore been disclosed to Lender, shall be disclosed by Broker to Lender, immediately upon the Broker’s
first ascertaining such facts or information. 
 G. As of the date the Mortgage Loan was originated, all information relating to
the Mortgage Loan provided by Broker to Lender was complete and accurate, and contained no

  

 LOAN BROKERAGE AGREEMENT –PAGE 11 

 
fraud or misrepresentation. To the knowledge of Broker, all information obtained, derived or requested from the Mortgagor, a third party or an affiliate of the Broker or otherwise was complete
and accurate, and contained no fraud or misrepresentation. 
 H. To the knowledge of Broker, all documentation submitted by
Broker, or at the direction of Broker, to Lender and used to verify identity, employment, income, deposits and mortgage payment histories are legible originals that do not contain any alterations, or photocopies of originals. 
 Section 3.4. The representations, warranties, covenants and agreements of Lender set forth below in Section 3.5 shall continue and
survive the closing and funding of any Mortgage Loan by Lender and such representations, warranties, covenants and agreements shall inure to the benefit of Broker, its successors and assigns. Lender hereby represents, warrants, covenants and agrees
as follows: 
 Section 3.5 Representations concerning Lender. 
 A. To the extent required by applicable federal law, the Lender’s employees are, and at all material times during the transactions
contemplated hereby shall be, registered under and in compliance with the Secure and Fair Enforcement of Mortgage Licensing Act. 
 B. Lender has all requisite power, and authority, corporate or otherwise, to carry on its business as it is now being conducted. Lender has full power, authority, and capacity, corporate and otherwise, to execute and deliver this Agreement
and to perform all of its obligations hereunder. The execution, delivery, and performance of this Agreement by Lender and the consummation of the transactions contemplated hereby have been duly and validly authorized by all necessary corporate,
shareholder or other action. This Agreement has been duly and validly executed and delivered by Lender. 
 C. Neither the
execution and delivery of this Agreement, nor the consummation of the transactions contemplated hereby, nor compliance with the terms and conditions hereunder shall conflict with, result in the breach of or constitute a default under any of the
terms, conditions or provisions of Lender’s articles of incorporation or bylaws, or any similar corporate or organizational document of Lender, or of any mortgage, indenture, deed of trust, loan or credit agreement, or other agreement or
instrument to which Lender is a party or by which Lender is bound; nor will the execution and delivery of this Agreement create or impose any lien, charge or encumbrance of any nature upon any of the Mortgage Loans funded by Lender under the terms
hereof, or upon any of the properties or assets of Lender. 
 D. As of the date of this Agreement, there is no litigation,
proceeding, or governmental investigation existing or pending or to the knowledge of Lender, threatened, or any order, injunction, or decree outstanding against or related to Lender or the Mortgage Loans that has not been disclosed by Lender to
Broker or its counsel in writing which could have an adverse effect upon the closing or funding of the Mortgage Loans, or the servicing thereof, or the performance by Lender of its obligations under this Agreement, or the performance by the
Mortgagor of the terms of the Mortgage Loan, nor does Lender know of any basis for any such litigation, proceeding, or governmental investigation. Lender agrees to notify Broker within five (5) business days if it becomes aware of any
litigation, proceeding or governmental investigation, order or injunction as contemplated by this section. 
  

 LOAN BROKERAGE AGREEMENT –PAGE 12 

 E. Lender agrees to immediately notify Broker if (i) Lender becomes the debtor in any
voluntary or involuntary bankruptcy proceeding, (ii) Lender requests the appointment of a receiver, (iii) Lender has incurred or is likely to incur a material, adverse change in its/their financial condition, and/or (iv) there is any
material change in Lender’s ownership or management. 
 SECTION 4 
 Indemnification 
 Section 4.1 Broker agrees to indemnify and hold Lender harmless from, and will reimburse Lender for any losses, damages, deficiencies, claims, costs, charges, or expenses (including reasonable
attorney’s fees) incurred by or assessed against Lender arising out of or resulting from: 
 A. Any misrepresentation or
untrue statement by Broker, or at the direction of Broker, to Lender, whether the information was obtained, derived or requested by the Broker, the Mortgagor, a third party or an affiliate of the Broker or otherwise; 
 B. Any breach of warranty or non-fulfillment of any term, condition, provision or covenant by Broker contained in this Agreement or any
schedule, statement, exhibit, document, assignment or certificate furnished pursuant to this Agreement, or in accordance with the Lender Guidelines; 
 C. Any defect in the documentation of any Mortgage Loan provided by Broker pursuant to the Lender Guidelines including, without limitation, those defects which cause the withdrawal or reduction of private
mortgage insurance for such Mortgage Loan due in whole or in part by any act or omission of Broker; or 
 D. Any act or omission
of Broker with respect to the sourcing, originating and processing of a Mortgage Loan. 
 Notwithstanding anything to the
contrary in this Agreement but excluding claims related to Broker’s fraud, gross negligence or willful misconduct, Lender agrees that Lender shall not make a claim under this Section 4 against Broker unless and until, in the good faith
judgment of Lender, the aggregate amount of all such claims hereunder (whether accruing or incurred from one loan or from more than one loan or from one occurrence or from more than one occurrence) exceeds $25,000 in the aggregate. From and after
the time when such claims exceed such aggregate amount or for any claims based on Broker’s fraud, gross negligence or willful misconduct, Lender may make a claim for the full amount of such losses, damages, deficiencies, claims, costs, charges,
or expenses (including reasonable attorney’s fees) under the terms hereof. 
 Section 4.2 Lender’s right to
indemnification under the provisions hereof shall be in addition to any other right or remedy of Lender. This indemnification shall remain in full force and effect regardless of any investigation made by Lender or its representatives of any Mortgage
Loan prior

  

 LOAN BROKERAGE AGREEMENT –PAGE 13 

 
to closing and funding, including, but not limited to, any underwriting review or approval made or given prior to closing and funding of any Mortgage Loan; provided however, that Lender will not
have any right to indemnity under this Section 4 with respect to any claim in connection with a Mortgage Loan if Lender had knowledge or reasonably should have had knowledge based upon Lender’s evaluation and underwriting of the Mortgage
Loan at or before the closing and funding of such Mortgage Loan of the facts giving rise to such indemnity claim (i.e. any representation, warranty, term, provision, condition, covenant or agreement was inaccurate, breached or not fulfilled by
Broker) and yet Lender, continued to close and fund such Mortgage Loan. 
 Section 4.3 Lender’s right hereunder may be
exercised at any time after Lender becomes aware of a claim, demand, assertion, action or proceeding (“Claim”) affecting a Mortgage Loan for which Broker is obligated to indemnify Lender. Lender shall be entitled to seek to resolve any
such Claim, without waiving its rights to require indemnity from Broker at any time thereafter and without waiving its rights for indemnification of all costs, expenses, charges, losses, or damages incurred by Lender in seeking to resolve any such
Claim. 
 SECTION 
 General 
 Section 5.1 A. The Parties agree that all information
provided pursuant to this Agreement by or on behalf of each Party to the other Party is confidential and proprietary to the Party providing the information and no Party shall use or permit the use of any information (including information regarding
Broker’s sales force) provided by or on behalf the other Party for any purpose other than as permitted or required for performance under this Agreement. Each Party agrees not to disclose or provide any information provided by or on behalf of
the other Party to any third Party without the express written consent of the other Party with the exception of (a) its employees who have a need to know in order to perform pursuant to this agreement, provided that such employees are bound to
retain the confidentiality of the information and are bound to use such information only for purposes of performance pursuant to this Agreement; (b) any affiliate or subsidiary to which such disclosure is necessary in connection with the
services provided pursuant to this Agreement, provided that such affiliate or subsidiary and its employees are bound to retain the confidentiality of the information and to use such information only for purposes performance pursuant to this
Agreement; (c) third Party vendors to which such disclosure is necessary in connection with this Agreement, provided that such vendors and their employees are bound to retain the confidentiality of the information, and are bound to use such
information only for purposes of performance pursuant to this Agreement; and (d) the Parties’ auditors, regulators, law enforcement agencies, secondary market investors, and other similar required entities. Further, each Party agrees to
make use of its currently available technology to guard against reasonably foreseeable attempts to infiltrate the confidential information and establish information security standards consistent with all applicable regulatory guidelines. 

 

 LOAN BROKERAGE AGREEMENT –PAGE 14 

 B. Each Party agrees to take all reasonable measures, including, without limitation,
measures taken by each Party to safeguard its own confidential information to prevent any disclosure by employees, agents or contractors. Nothing provided herein shall prevent any Party from disclosing information to the extent the information
(a) is or hereafter becomes part of the public domain through no fault of that Party; (b) is independently developed by that Party without the use of the other Party’s confidential information; (c) is disclosed pursuant to
requirements of the law; or (d) is already known to it. If either Party hires another entity to assist in its performance of this Agreement, the delegating Party shall cause its delegate and its employees (a) to be bound to maintain the
confidentiality of the information provided by or on behalf of the other Party; and (b) to be bound to only disclose or use the confidential information for purposes of performance pursuant to this Agreement. Any data or other materials,
including copies thereof, furnished to or obtained by the receiving Party pursuant to this Agreement shall be promptly returned to the disclosing Party or destroyed upon request. Each Party shall permit representatives of the other Party, upon
written request and at reasonable times, to examine and verify compliance with respect to its information. 
 C. Lender shall
not, nor shall Lender take any action to permit any third Party to, knowingly (a) solicit or communicate with any member of Broker’s sales force regarding any product or service other than as specifically provided herein; or (b) sell,
assign, transfer or disclose in any manner, with or without consideration, any lists consisting of Broker’s sales force members (or any other information about a member of the sales force obtained from Broker or a customer) to any third Party.
Notwithstanding the foregoing, Lender or its agents may solicit and communicate with individual members of Broker’s sales force who are otherwise customers of Lender. 
 D. If either Party becomes aware of any threatened or actual violation of the obligations or restrictions set forth in this Section 5.1, including an actual or potential threat of unauthorized access
to its systems impacting the information or data of the other Party, the Party will promptly notify the other thereof and will assist the other Party with its efforts to terminate such access, to curtail such threatened or actual unauthorized use or
disclosure, or to recover such information or materials. 
 E. This Section 5.1 will survive termination of the Agreement.

 Section 5.2 From time to time prior to and after the origination and funding of Mortgage Loans, Broker agrees to furnish
to Lender such information as Broker may possess and as Lender may reasonably request and will execute and deliver such other instruments as Lender may reasonably request. 
 Section 5.3 Upon receipt of five (5) business days advance notice, Broker shall permit any officer, employee or designated
representative of Lender, at any reasonable time during regular business hours, to examine and make audits of any of the processes implemented and documents kept by Broker regarding any Loan or Application submitted to Lender pursuant to this
Agreement. Broker shall also make its officers, employees or designated representatives reasonably available to Lender and shall reasonably cooperate with Lender in all such examinations, audits and document and record collection activities. Broker
further agrees that Lender’s regulator, currently the Office of Thrift Supervision (“OTS”) and/or the Office of the Comptroller of the Currency (“OCC”), may accompany Lender and participate in any such audit 
  

 LOAN BROKERAGE AGREEMENT –PAGE 15 

 or visitation conducted by Lender. In order to assist the OTS or OCC in its regulatory duties, Broker also
agrees that the OTS or OCC may visit Broker’s premises independently and shall have the same rights to audit Broker’s books, records and business processes that Broker has granted to Lender. The audit rights granted by Broker to the OTS
are not an assignment of any rights by Lender to the OTS or OCC, but instead are independent audit rights granted by Broker to the OTS and OCC as a condition of doing business with Lender. Upon receipt of five (5) business days advance notice,
Lender shall permit any officer, employee or designated representative of Broker, at any reasonable time during regular business hours, to examine and make audits of any of the processes implemented, services provided, and/or compensation paid by
Lender to Broker pursuant to this Agreement. Lender shall also make its officers, employees or designated representatives reasonably available to Broker and shall reasonably cooperate with Broker in all such examinations, audits and document and
record collection activities. 
 Section 5.4 Lender agrees to notify Broker within a reasonable period of time after the
receipt by Lender of any written complaints or written inquiries which relate to the Broker’s activities in connection with the sourcing or originating of Mortgage Loan Applications (i) from or to any regulatory authority
(ii) addressed to Broker or an individual identified as a member of Broker’s sales force or (iii) regarding the express allegation of misconduct or negligence of a member of Broker’s sales force (collectively,
“Complaints”). A copy of any such Complaint received shall accompany such notice. 
 Section 5.5 It is
specifically understood and agreed that the warranties, representations, covenants and agreements set forth herein and in any schedule, statement, document, assignment, exhibit, or certificate delivered or to be delivered pursuant hereto shall
survive the delivery of any Mortgage Loan to Lender and shall survive the termination of this Agreement. 
 Section 5.6 It
is expressly understood and agreed that Broker is an independent contractor with regard to the origination and processing of all Mortgage Loans to be funded by Lender under the terms hereof. Broker agrees that Broker shall not represent itself in
any manner to be the agent, servant, employee, representative, partner, or co-venturer of Lender. Broker shall have no authority to solicit, bind, or commit Lender to any contract or transaction, whether for a loan, replacement of a loan, or for any
other purpose, and Broker shall not represent in any manner to any other person that Broker has any such authority. 
 Section 5.7 A. This Agreement shall commence on the Effective Date and will continue in full force and effect for an initial term of two years (the “Initial Term”) and will continue thereafter until terminated pursuant to the
provisions below. 
 B. If either Party breaches the terms or duties imposed upon it by this Agreement, the non-breaching Party
shall give the other Party at least thirty (30) days written notice of the breach. The notice shall specify the nature of the breach. Upon receipt of any such notice, the defaulting Party shall have thirty (30) days from date of such
notice to cure the default. If at the end of the notice period the breaching Party has not remedied or taken action to remedy its breach, then the Agreement shall be considered terminated at the end of the notice period with notice of such
termination to the breaching Party; provided, however, that any termination under this paragraph shall not prejudice the rights of either Party 
  

 LOAN BROKERAGE AGREEMENT –PAGE 16 

 against the other. Notwithstanding the foregoing, a breach by Broker of Section 3.2.M
and subsequent failure to cure shall not be a basis for termination of this Agreement provided that for any individual giving rise to the breach by Broker, Broker takes action to prohibit any such individual from involvement with or participation in
Broker’s mortgage brokerage business. Upon such termination, Lender shall have no further or ongoing responsibility to Broker under this Agreement, except Lender will honor any loan commitments issued to Mortgage Loan applicants issued prior to
such notice of termination unless such termination involves the validity of such outstanding applications. Either Party may terminate at the end of the Initial Term with one hundred (180) days prior written notice to the other. 
 C. After the Initial Term, either Party may terminate this Agreement for any reason or for no reason whatsoever upon one hundred eighty
(180) days prior written notice to the other. 
 D. In the event of termination, Broker shall fully cooperate with and
assist Lender in obtaining the documentation necessary to complete the processing, closing, funding and purchase of Applications. Termination of this Agreement will have no effect on the compensation due to Broker from the Lender on Mortgage Loan
applications submitted prior to the termination date with respect to Mortgage Loans that are subsequently closed and funded. All of the representations, warranties, covenants, and agreements of each Party, including without limitation Broker’s
indemnification obligations hereunder, shall survive the termination of this Agreement. 
 Section 5.8 In no event will any
Party be liable to any other Party for lost profits or for special, incidental, indirect or consequential damages arising out of or in connection with this Agreement or the subject matter hereof, regardless of the form of action. 
 Section 5.9 In the event that either Party believes there has been a breach of the Agreement, and discussions between the Parties have
not yielded a resolution, either Party may give written notice of the dispute to the other, and upon such written notice, the Parties must appear for a mediation conducted by a JAMS mediator mutually selected by the Parties, or if no agreement on a
mediator can be reached, a mediator selected by JAMS, to be held in the St. Louis Missouri area within fourteen (14) days of receipt of the notice of dispute, unless otherwise agreed to by the Parties. If, at the end of the mediation, the
Parties have not resolved the dispute, the mediator may give his/her proposed resolution for settling the dispute in accordance with the facts and applicable law, which proposed resolution is not binding on the Parties. Either Party may then
exercise its rights as provided in Section 5.10. 
 Section 5.10 A. Subject to the provisions of Section 5.9, all disputes,
claims or controversies, whether based on contract, tort, statute, regulations, or otherwise, arising out of or relating to this Agreement, the obligations of the Parties, or the operations carried out under this Agreement, including, but not
limited to, any dispute as to the existence, validity, construction, interpretation, negotiation, performance, non-performance, breach, termination, or enforceability of this Agreement (“Disputes”), shall be resolved by final and binding
arbitration administered by the American Arbitration Association 
  

 LOAN BROKERAGE AGREEMENT –PAGE 17 

 (“AAA”) in accordance with the Commercial Arbitration Rules of the AAA then in effect (the
“AAA Rules”). The arbitration proceeding shall be conducted in St. Louis, Missouri. Notice of arbitration and all other documents, pleadings, or submissions relating to the arbitration may be communicated to any Party as set forth in
Section 5.13. 
 B. The arbitral tribunal (“Tribunal”) shall be composed of three arbitrators, each of whom shall be independent
and impartial. Within thirty (30) days after the demand for arbitration is filed, Lender and Broker shall each appoint an arbitrator. Within thirty (30) days of their appointment, the two arbitrators appointed by Lender and Broker shall
appoint a third arbitrator, who shall be Chair of the Tribunal. If within the time periods specified above, Lender or Broker fails to appoint an arbitrator or the two arbitrators appointed by them fail to appoint a third arbitrator, the appointment
shall be made by the AAA in accordance with the AAA Rules. The Tribunal shall have the power to rule upon any challenge to its jurisdiction. Additionally, the Tribunal is authorized to award all remedies available under the applicable law. The
Tribunal shall have the power to enter injunctive relief, specific performance and interim orders as it deems necessary. Notwithstanding the foregoing, Lender and Broker may each seek appropriate injunctive relief from any court of competent
jurisdiction. The exercise of any such remedy shall not waive the right of Lender or Broker to seek or compel arbitration hereunder. 
 C. The
Tribunal shall issue a reasoned award in writing. The Tribunal shall endeavor to issue its written award within sixty (60) days from the date of the close of the arbitration hearing. The Tribunal’s award shall be final and binding on the
Parties. 
 D. Lender and Broker each undertake to keep confidential all awards in any arbitration hereunder, together with all materials in the
proceedings created for the purpose of the arbitration, and all other documents produced by another party in the proceedings not otherwise in the public domain, save and to the extent that disclosure may be required of Lender or Broker by a legal
duty, to protect or pursue a legal right or to enforce or challenge an award in legal proceedings before a court or other judicial authority. 
 E. The provisions of this Agreement to arbitrate are independent of the remaining provisions of this Agreement, and the Parties intend that they shall continue in effect even though one or more provisions of the Agreement shall be
determined to be null or void. This agreement to arbitrate shall also survive the termination or expiration of this Agreement. 
 Section 5.11 Broker agrees that it will not enter into, and shall not enter into, other arrangement similar to the arrangements set forth in this Agreement with other mortgage lenders without advance notice to and consent by Lender.
Broker acknowledges and agrees that Lender intends to enter into, and shall not be restricted by this Agreement from entering into, other arrangements similar to the arrangements set forth in this Agreement with other real estate brokers, mortgage
brokers, or other Parties, from time to time, in the sole discretion of Lender and without notice to Broker. 
 Section 5.12 This Agreement is personal to Broker and, accordingly, Broker shall have no right to and shall not, sell, assign, or transfer all or any portion of Broker’s rights or benefits arising hereunder, nor shall Broker
delegate or assign any of Broker’s duties, responsibilities or obligations undertaken hereunder. As used throughout this Agreement, any representation, agreement or warranty of Broker shall be deemed given by Broker in its own behalf, and on
behalf of Broker’s officers, employees, directors, agents, contractors or subcontractors. 
  

 LOAN BROKERAGE AGREEMENT –PAGE 18 

 Section 5.13 All notices, requests, demands, or other communications which are required
to be given under this Agreement shall be in writing addressed to Broker and Lender at the respective addresses set forth above. All notices shall be effective: (i) three (3) days after deposit in the U.S. Mail, postage prepaid, registered
or certified, return receipt requested; (ii) upon delivery, if delivered in person to the address of Broker or Lender; or (iii) upon delivery to the address of Broker or Lender, if sent by commercial express overnight courier service or by
mailgram. Notices of change of address of either Party shall be effective ten (10) days after the effective date of any other type of notice under this paragraph. 
 Section 5.14 Lender’s failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision or of any other provision with respect to the specific transaction or any
other transaction between Lender and Broker under this Agreement. 
 Section 5.15 This Agreement and the Lender Guidelines,
as amended from time to time, constitute the entire agreement among the Parties with respect to the subject matter hereof. Any amendments, modifications, addendums or supplements to this Agreement shall be in writing executed by the Parties hereto
except it is expressly agreed that any amendments, supplements, changes, or modifications to the Lender Guidelines shall be effective immediately upon any modification, supplementation, change, or amendment to such Lender Guidelines, without the
requirement of notice to or consent by Broker. 
 Section 5.16 The Parties agree to undertake and perform the
responsibilities as described in Exhibit A to this Agreement. The Parties may amend Exhibit A or any substitute documentation to include those performance responsibilities or obligations reasonably necessary to carry out the purposes of this
Agreement. 
 Section 5.17 The headings of the sections in this Agreement are for reference purposes only and shall not be
deemed to have any substantive effect and shall be disregarded in the interpretation hereof. 
 Section 5.18 Lender has
sole discretion to monitor and investigate the actions of individuals acting on behalf of Broker as a member of Broker’s sales force in connection with allegations of wrong-doing, misconduct or fraud in connection with the Mortgage Loan
Application origination and processing activities contemplated by this Agreement. Lender shall provide Broker with reasonable and advance notice prior to excluding any individual from engaging in the Mortgage Loan Application origination and
processing activities contemplated by this Agreement. 
 Section 5.19 THIS AGREEMENT SHALL BE GOVERNED BY THE LAWS OF THE STATE
OF MISSOURI AND APPLICABLE FEDERAL LAW. THE PARTIES AGREE THAT ANY ACTION, SUIT OR PROCEEDING TO ENFORCE OR DEFEND ANY RIGHT OR OBLIGATION UNDER THIS AGREEMENT OR OTHERWISE ARISING OUT OF EITHER PARTY’S PERFORMANCE UNDER THIS AGREEMENT SHALL BE
BROUGHT IN ST. LOUIS COUNTY CIRCUIT COURT OR THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF MISSOURI AND EACH PARTY IRREVOCABLY 
  

 LOAN BROKERAGE AGREEMENT –PAGE 19 

 SUBMITS TO THE JURISDICTION OF EITHER FORUM AND WAIVES THE DEFENSE OF AN INCONVENIENT FORUM TO THE
MAINTENANCE OF ANY SUCH ACTION, SUIT OR PROCEEDING IN SUCH STATE OR FEDERAL COURT AND ANY OTHER SUBSTANTIVE OR PROCEDURAL RIGHTS OR REMEDIES IT MAY HAVE WITH RESPECT TO THE MAINTENANCE OF ANY SUCH ACTION OR PROCEEDING IN EITHER FORUM. 
 Section 5.20 This Agreement may be executed in counterparts, each of which taken together shall constitute one and the same instrument.

 DATED this 10th day of March, 2010. 
 CTB 
 CITICORP TRUST BANK, FSB 
 By: /s/ Sanjiv Das 
 Print Name/Title: Sanjiv Das/President 
 Date: 3/10/2010 
 CMI 
 CITIMORTGAGE, INC. 
 By: /s/ Sanjiv Das 

Print Name/Title: Sanjiv Das/President 
 Date:
3/10/2010 
 BROKER 
 PRIMERICA
FINANCIAL SERVICES HOME MORTGAGES, INC. 
 By: /s/ Greg Pitts 
 Print Name/Title: Greg Pitts/CEO 
 Date: 3/10/2010 
  

 LOAN BROKERAGE AGREEMENT –PAGE 20 

 EXHIBIT “A” 
 RESPONSIBILITY OF PARTIES & 
 CHARACTERISTICS OF BROKER LOANS 
 Broker Responsibilities: 
  

	 	•	 	 Conduct its business of sourcing and originating Mortgage Loans in compliance with all applicable federal, state, and local laws and regulations
governing Broker and its business. 

  

	 	•	 	 Effectively maintain a sales force in the United States where Mortgage Loans are available, with such sales force qualified to originate Mortgage
Loans. 

  

	 	•	 	 Develop training programs in consultation with Lender and train its sales force in the origination of Mortgage Loans and Mortgage Loan features.

  

	 	•	 	 Provide its sales force with compliance training, audit the sales force, and require that the sales force comply with all applicable laws, including
licensing requirements. 

  

	 	•	 	 As of the date of this Agreement, Broker is in compliance with all applicable Citigroup policies and guidelines, including those relating to consumer
privacy policies to the extent such Citigroup policies and guidelines are applicable to Broker as a mortgage loan originator. On and after the date of this Agreement and in light of the anticipated change in control of ownership of Broker described
in Section 3.2.L., Broker will comply with all applicable laws related to Broker’s obligations under this Agreement. 

  

	 	•	 	 Manage its sales force with an effective communication system using various media sources. 

  

	 	•	 	 Reasonably compensate its sales force, in compliance with all applicable laws and regulations, for activities and services rendered in the origination
of Mortgage Loans. 

  

	 	•	 	 Provide support and other assistance and coordination as may be necessary or helpful to its sales force to promote and originate Lender’s Mortgage
Loans or to the Lender in carrying out its respective responsibilities under this Agreement. 

  

	 	•	 	 Draft and provide to Lender any consumer disclosures as Broker may request Lender’s assistance in delivering such disclosures to a Mortgage Loan
applicant. Provide marketing support for the Lender’s Mortgage Loan program. 

  

	 	•	 	 Periodically meet with Lender’s management and representatives to review all aspects of the Lender’s Mortgage Loan program.

 Lender Responsibilities: 
  

	 	•	 	 Conduct its business of originating Mortgage Loans in compliance with all applicable federal, state, and local laws and regulations governing Lender
and its business. 

  

	 	•	 	 Ensure that it and its employees adhere to Citigroup policies and guidelines, including those related to consumer privacy policies.

  

 LOAN BROKERAGE AGREEMENT –PAGE 21 

	 	•	 	 Maintain sole responsibility for the pricing of the Mortgage Loans. However, Lender agrees that Lender’s pricing will be competitive and
comparable to the pricing offered by competitive lenders such as Wells Fargo, JPMorgan Chase, and Bank of America, plus an amount equal to the Broker Fee which additional amount may be in the form of a higher interest rate or higher Lender fees, or
a combination of both, at Lender’s discretion. 

  

	 	•	 	 Periodically meet with Broker’s management and representatives to review all aspects of the Lender’s Mortgage Loan program.

  

	 	•	 	 Support the efforts of Broker to source Mortgage Loan Applications and Mortgage Loans by providing marketing support at service levels comparable to
Lender’s performance prior to this Agreement which may be adjusted based on Mortgage Loan volume and the number of Broker’s authorized Sales Force Representatives who are designated Regional Vice Presidents by Broker, who are qualified to
participate in Broker’s mortgage brokerage business. 

  

	 	•	 	 Provide operational support to Broker at services levels comparable to Lender’s performance prior to this Agreement which may be adjusted based on
Mortgage Loan volume. 

 Characteristics of Broker Mortgage Loans: 
  

	 	•	 	 Effective not later than April 1, 2010, Lender will make available to Broker a conforming fixed-rate, fixed term, fully amortizing refinance
(including cash-out refinance) Mortgage Loan product in all 50 states (excluding Washington D.C.), with such Mortgage Loan product having the characteristics required by the FHLMC Guidelines and FNMA Guidelines so that each Mortgage Loan qualifies
as salable to FHLMC or FNMA. 

  

	 	•	 	 Subsequently, Lender may make additional Mortgage Loan products available to Broker as agreed to by Broker and Lender, which shall be made available
within such time frame as reasonably available based on Lender’s resources and capacity, as determined in Lender’s sole discretion. 

  

	 	•	 	 As of the date of this Agreement, only first lien Mortgage Loan products otherwise meeting the requirements set forth above will be available to
Broker. 

 Current Operational & Technology Support 
  

	 	•	 	 Lender will use commercially reasonable efforts to provide operational support to Broker to assist Broker in complying with its regulatory and
compliance requirements by performing a Net Tangible Benefit analysis of all approved Mortgage Loan Applications in connection with Mortgage Loan Applications for refinance (including cash-out refinance) transactions in all states to the extent
Lender has documentation available to allow such analysis. As of the Effective Date, the Lender is performing the Net Tangible Benefit Test included in Exhibit B, which may be amended from time to time by mutual agreement of the Parties.

  

	 	•	 	 Broker shall pay to Lender a fee of $2.50 per closed Mortgage Loan unit for the ongoing operational support of performing: (i) a review of all
Mortgage Loan Applications

  

 LOAN BROKERAGE AGREEMENT –PAGE 22 

	 	 
submitted by Sales Force Representatives to Lender to determine if Broker has submitted all required initial federal and state specific disclosures along with the Mortgage Loan Application; and
(ii) a Net Tangible Benefit analysis as discussed herein; To the extent that Broker has failed to submit any required initial federal and/or state disclosures, or to the extent that Lender is unable to complete the Net Tangible Benefit analysis
for any Mortgage Loan, Lender will use commercially reasonable efforts to notify Broker. 

  

	 	•	 	 Lender will use commercially reasonable efforts to provide operational support to Broker to assist Broker in providing consumer disclosures that Lender
has been providing at the request of Broker prior to the date of this Agreement, which include the following consumer disclosures: 

  

	 	•	 	 Arkansas PFS Disclosure Certification 

  

	 	•	 	 Notice to Connecticut Residents 

  

	 	•	 	 Florida & Wyoming GFE Re-disclosure Cover Letter 

  

	 	•	 	 Illinois Real Estate Commitment Letter 

  

	 	•	 	 Maryland Recording Affidavit 

  

	 	•	 	 Maryland Net Tangible Benefit Worksheet 

  

	 	•	 	 Notice for New Jersey Residents 

  

	 	•	 	 New Mexico Statement of Borrower’s Tangible Benefit 

  

	 	•	 	 Pennsylvania Notice to Borrower 

  

	 	•	 	 Rhode Island Notice Regarding Nonrefundability of Fees 

  

	 	•	 	 South Carolina Statement of Borrowers Tangible Benefit 

  

	 	•	 	 Texas Mortgage Fraud Notice 

  

	 	•	 	 Washington Disclosure Summary 

  

	 	•	 	 Broker shall pay to Lender a monthly fee of $220.00 for the ongoing maintenance of the above-referenced consumer disclosures on Lender’s loan
origination system. 

  

	 	•	 	 Lender shall have and assume no responsibility for compliance requirements for Broker or for the content or timing of any consumer disclosures provided
on behalf of Broker. Broker shall be solely responsible for its state and federal law compliance requirements. If Lender is unable to provide any Broker disclosures due to system failure or other technology service limitation or interruption, Lender
shall have no liability or responsibility to Broker for such lack of providing the Broker disclosures. 

  

	 	•	 	 Lender will use commercially reasonable efforts to provide operational support to Broker to assist Broker in providing ongoing operational reporting
and data transmissions on Broker-sourced Mortgage Loans that Lender has been providing at the request of Broker prior to the date of this Agreement, which included the following ongoing reporting and data/file transmissions:

  

	 	•	 	 Get Agent 

  

 LOAN BROKERAGE AGREEMENT –PAGE 23 

	 	•	 	 Commissions 

  

	 	•	 	 POL1 

  

	 	•	 	 POL2 

  

	 	•	 	 POL3 

  

	 	•	 	 Turbo 

  

	 	•	 	 Loan Worksheet Supplement(s) (or comparable document as may be used in substitution thereof as agreed to by the Parties) 

 

	 	•	 	 Monthly Financial MIS 

  

	 	•	 	 Monthly Operational Efficiency Report 

  

	 	•	 	 Broker shall pay to Lender a monthly fee of $1130.80 for the ongoing maintenance of the above-referenced operational reporting and data transmissions
to Broker. 

  

	 	•	 	 If Lender is unable to provide any reporting or data transmissions due to system failure or other technology service limitation or interruption, Lender
shall have no liability or responsibility to Broker for such lack of access or lack of reporting. 

  

	 	•	 	 Lender will use commercially reasonable efforts to provide operational support to Broker by providing access to records of Broker-sourced Mortgage
Loans. Lender will provide such access for the duration of this Agreement, and for a period after the termination of this Agreement in order to comply with Broker’s state-specific record retention regulatory requirements. As long as Broker
retains access to the computer system upon which the images of Mortgage Loan documents are maintained under its separate agreement with Citigroup and as long as allowed by applicable law governing Lender’s activities, Lender agrees that
Broker’s access to records of Broker-sourced Mortgage Loans may be via Broker’s access to such system. After such access is no longer provided or allowed by law, at Lender’s sole option, Broker’s access to records of
Broker-sourced Mortgage Loans may be via Broker’s access to Lender’s imaged copies of the Mortgage Loans; via Lender providing Broker copies of requested Mortgage Loan documentation within a reasonable time after Broker’s request; or
via other manner as agreeable by the Parties. 

  

	 	•	 	 Broker shall pay to Lender an initial monthly fee of $220.00 for the ongoing maintenance of the access and support for providing above referenced
access to records for Broker. This initial monthly fee shall be applicable so long as Broker retains access to Lender’s imaged records of the Mortgage Loans via access to Lender’s or Citigroup, Inc. networks. Upon Broker no longer having
access to Lender’s imaged records of Mortgage Loans, this monthly fee shall be re-negotiated by the Parties based on method of access to Mortgage Loan records agreed to by the Parties. 

  

	 	•	 	 If Lender is unable to provide such access due to system failure or other technology service limitation or interruption, Lender shall have no liability
or responsibility to Broker for such lack of access. 

  

	 	•	 	 The above-referenced monthly operational and technology support fees shall be paid by Broker to Lender on an annual basis in arrears. Lender will
invoice Broker annually during the first quarter of each year for all services and fees noted above relating to the services previously provided by Lender in the preceding year. Such invoice shall be payable within sixty (60) days after
Broker’s receipt of the invoice. 

  

 LOAN BROKERAGE AGREEMENT –PAGE 24 

	 	•	 	 To the extent Lender is unable to provide any of the above-referenced or future-requested operational or technology services, no payment will be due
from Broker for the periods of time in which such services were interrupted. 

 Future
Operational & Technology Support 
  

	 	•	 	 After the date of this Agreement, as additional new consumer disclosures may be required to be provided by Broker, to the extent commercially
reasonable Lender may provide operational support to Broker by assisting in implementing and providing new consumer disclosures requested by Broker which can be provided at the same time as other Lender disclosures and further provided that the
implementation of such disclosures can be completed within a reasonable time frame given Lender’s resources and capacity. 

  

	 	•	 	 Upon Broker’s request, Lender shall provide Broker with an estimate for the cost and timeframe required for the development and implementation of
such disclosure. Lender shall also provide Broker with an estimate for the cost of the ongoing maintenance of the consumer disclosure, which shall be added to and become part of the monthly consumer disclosures maintenance fee referenced above
accordingly. Broker shall provide its approval for the disclosure’s development timeframe and cost and thereafter shall be responsible for payment of the cost to Lender. 

  

	 	•	 	 After the date of this Agreement, as Broker requests additional reporting and data transmissions be provided to Broker from Lender, to the extent
commercially reasonable Lender may provide such operational support to Broker by assisting in developing, implementing and providing the new reporting requested by Broker provided that the implementation of such reporting can be completed within a
reasonable time frame given Lender’s resources and capacity. 

  

	 	•	 	 Upon Broker’s request, Lender shall provide Broker with an estimate for the cost and timeframe required for the development and implementation of
such reporting. Lender shall also provide Broker with an estimate for the cost of the ongoing maintenance of the reporting and/or data transmission, which shall be added to and become part of the monthly reporting and data transmission fee
referenced above accordingly. Broker shall provide its approval for the reporting’s development timeframe and cost and thereafter shall be responsible for payment of the cost to Lender. 

  

	 	•	 	 In the event of termination or non-renewal of this Agreement, upon Broker’s request, Lender agrees to use commercially reasonable efforts to
provide Broker with a data report on on the Mortgage Loans and Mortgage Loan Applications sourced by Broker which shall include the data fields for such Mortgage Loans described on Exhibit C. Lender will delete any information or data field which
may be necessary to insure there is no individual identifying information for any Mortgagor included in the report. Upon Broker’s request, Lender shall provide Broker with an estimate of the cost and timeframe involved in providing this report.
Broker shall provide its approval for the cost and timeframe for creating the report and therafter shall be responsible for payment of the cost to Lender. It

  

 LOAN BROKERAGE AGREEMENT –PAGE 25 

	 	 
is understood and agreed that Lender shall provide the report from Lender’s available system data and will not audit or verify the accuracy of any such data and shall not be responsible for
the accuracy of any such report provided. 

  

	 	•	 	 As any additional operational and technology services are requested by Broker from Lender, Lender shall provide Broker with an estimate for the cost
and timeframe required for the development and implementation of such operational and technology services, as well as an estimate for the cost of any ongoing maintenance. Broker shall provide its approval for the any such development timeframe and
cost and thereafter shall be responsible for payment of the cost to Lender. 

  

	 	•	 	 Any above-referenced monthly operational and technology support fees shall be paid by Broker to Lender on an annual basis. Lender will invoice Broker
annually for all services and fees noted herein. Such invoice shall be payable within sixty (60) days after Broker’s receipt of the invoice. 

 The terms of this Exhibit A shall be effective upon the date of this Agreement and continue until termination. Any modification or amendment to this Exhibit A shall be in writing and executed by each of
the Parties hereto, establishing an effective date of such modification. 
  

 LOAN BROKERAGE AGREEMENT –PAGE 26 

 EXHIBIT “B” 
 NET TANGIBLE BENEFIT TEST 
 First lien Mortgage Loans that are
“On Us” refinance transactions must exhibit at least one of the tangible benefits described below: 
  

	 	•	 	 Reduction in payment of at least $50 

  

	 	•	 	 Cash out exceeds the greater of $2,000 or 2% of the loan amount 

  

	 	•	 	 Reduction in note rate of at least 50 basis points (bps) 

 First lien Mortgage Loans that are “On Others” refinance transactions, must exhibit at least one of the tangible benefits described below (underwriting requirement): 
  

	 	•	 	 Cash to customer exceeds the greater of $2,000 or 2% of the loan amount 

  

	 	•	 	 New loan will lower total customer monthly debt service 

  

	 	•	 	 Refinancing an existing mortgage loan that includes a balloon payment provision 

  

	 	•	 	 Refinancing an existing mortgage loan that includes a variable rate feature into a fixed rate Mortgage Loan 

  

	 	•	 	 Refinancing an existing mortgage loan that allows interest only payments into a fixed rate, fully amortizing Mortgage Loan.

  

	 	•	 	 Refinancing an existing mortgage loan into a Mortgage Loan with a shorter term 

  

	 	•	 	 Reduction in note rate 

  

	 	•	 	 Refinancing an existing Home Equity Line of Credit into a fixed rate, closed-end Mortgage Loan. 

 For purposes of the Net Tangible Benefit Test, an “On Us” refinance transaction means a refinance transaction made by the same lender as the
originating lender of the mortgage loan to be paid off by new transaction. All other refinance transactions will be considered “On Others” refinance transactions. 
  

 LOAN BROKERAGE AGREEMENT –PAGE 27 

 EXHIBIT “C” 
 DATA REPORT 
  

 Application number 
 System ID 
 Application Date 
 Loan Type 
 Property Type 
 Loan Purpose 
 Occupancy 
 Loan Amount 
 Preapproval, if any 
 Action taken 
 Action Date 
 MSA 
 State 
 County 
 Census Trac 
 Race (borrower and co-borrower) 
 Ethncity (borrower and co-borrower) 
 Sex (borrower and co-borrower) 
 Income 

Purchaser 
 Denial codes 
 Rate Spread 
 HOEPA Status 
 Lien Status 
 Loan Term 
 Rate Lock 
 APR 
 Assessment 
 Percminor 
 Tract Incm 
 Percmedian 
 Applicant Income (borrower and co-borrower) 
 LTV

 Age 
 Appraisal Type 
 Area 
 CLTV 
 Marital Status 
 Property Code 
 Reason Code 
 Reportable 
 Subprime 
 Year Built 
  

 Current Interest Rate 
 Borrower Payment History String 
 Paid to Date/Current Payment Status 
 Debt to Income Ratio 
 Maturity Date 
 Interest Only Indicator 
 Documentation Type
Indicator 
 Arm Margin (if applicable) 
 Arm Interest Rate Cap (if applicable) 
 Arm Index (if applicable) 
 Next ARM Adjustment Date (if applicable) 
 Origination Date 
 Payoff Date 
 Prior Bankruptcy Indicator (during
term loan serviced by Lender) 
 Credit Score 
 Such other data as may be requested by Broker which is agreeable to Lender and readily accessible in Lender’s system 

  

 LOAN BROKERAGE AGREEMENT –PAGE 28Form of Primerica, Inc. Stock Purchase Plan for Agents and Employees

 Exhibit 10.45 
 FORM OF 
 PRIMERICA, INC. 
 STOCK PURCHASE PLAN FOR AGENTS AND EMPLOYEES 
  

	1.	Purpose 

 The name of this
plan is the Primerica, Inc. Stock Purchase Plan for Agents and Employees (the “Plan”). The purpose of the Plan is to offer Authorized Persons the opportunity to share in the growth of the Company through ownership of Common Stock.

  

	2.	Definitions 

 “Authorized
Persons” shall mean such Eligible Persons who are authorized in writing by the Committee to participate in the Plan as provided in Section 5 of the Plan. 
 “Board” shall mean the Board of Directors of the Company. 
 “Business
Day” shall mean any day other than Saturday, Sunday, or any other day that the New York Stock Exchange or the Service Provider is closed.  
 “Committee” shall mean the Compensation Committee of the Board or any other person or committee having delegated authority over the administration of the Plan by the Committee or, in the
absence of such committee, the full Board. 
 “Common Stock” shall mean the common stock of the Company, par value $.01
per share. 
 “Company” shall mean Primerica, Inc., a Delaware corporation. 
 “Death Notice” shall mean a written notice of the death of a Participant provided to the Service Provider as described in Section 9(g)
of the Plan. 
 “Eligible Person” shall mean (i) any employee of the Company or any of its subsidiaries, (ii) any
member of the Board or the board of directors of any subsidiary of the Company, or (iii) any person performing services for the Company or any of its subsidiaries in the capacity of a consultant or otherwise, including independent contractor
sales representatives who are authorized to market the products and services of Primerica Life, Primerica Life Insurance Company of Canada and their affiliates. 
 “Fractional Amount” shall mean an amount equal to the Net Proceeds of the sale of the fractional share of a Participant who requests the sale or withdrawal of all of his or her shares as
described in Sections 9(b), 9(e) and 12 of the Plan, or of a Participant for whom the Committee has terminated the holding of shares by the Service Provider pursuant to Section 9(f) of the Plan. 
 “MSSB” shall mean Morgan Stanley Smith Barney, LLC. 

 “Net Proceeds” shall mean the proceeds of the sale of a Participant’s shares pursuant
to Section 9(b), 9(e), 9(f) or 12 of the Plan, less any applicable brokerage fees, Service Provider fees, transfer taxes and other fees in connection with the sale of such shares, as provided in Section 14 of the Plan. 
 “Participant” shall mean an Authorized Person who participates in the Plan. 
 “Participant Contributions” shall mean the amount specified by a Participant pursuant to Section 6(b) of the Plan to be used to purchase Common Stock under the Plan each month.

 “Primerica Life” shall mean Primerica Life Insurance Company. 
 “Program Maximum” shall mean the maximum amount, as determined by the Committee, that a Participant may elect as a Participant Contribution for a month. 
 “Program Minimum” shall mean the minimum amount, as determined by the Committee, that a Participant may elect as a Participant Contribution
for a month. 
 “Service Provider” shall mean MSSB or such successor broker-dealer, bank, trust company, or other entity
designated pursuant to Section 6(c) of the Plan, which will perform such duties as described in the Plan. 
 “Service
Provider’s Website” shall mean the Service Provider’s website, which as of the effective date of the Plan is www.benefitaccess.com. 
 “Stock Purchase Date” shall mean a date on which the Service Provider purchases or causes the purchase of Common Stock for one or more Participants under the Plan. 
  

	3.	Administration 

 (a)
Committee Authority. The Plan will be administered by the Committee. The Committee will have responsibility for general operation of the Plan and will have the absolute power and discretion to interpret the provisions of the Plan and
to take such other action in connection with the administration of the Plan as it deems necessary or equitable under the circumstances, including adopting such administrative rules, procedures and guidelines governing the Plan as it deems
appropriate. The Committee will not, however, have responsibility for the purchase and sale of Common Stock. Any action or inaction by or on behalf of the Committee under the Plan shall be final, binding and conclusive on each Authorized Person,
Participant and other person who makes a claim under the Plan. 
 (b) Delegation of Authority. To the extent
permitted by applicable law, the Committee may at any time delegate to one or more persons or committees some or all of its authority over the administration of the Plan as it deems appropriate under the circumstances. Any such person or committee
to whom a duty to perform an administrative function is delegated shall act on behalf of and shall be responsible to the Committee for such function. 
  

 2 

	4.	Available Shares of Common Stock 

 The aggregate number of shares of Common Stock that may be sold to Participants under the Plan shall not exceed 2,500,000 shares of Common Stock. 
  

	5.	Eligibility and Participation 

 (a) Eligibility. The Plan is open to Eligible Persons who are authorized in writing by the Committee to participate in the Plan as Authorized Persons. Criteria for eligibility and participation in the Plan may be established
and changed in the discretion of the Committee from time to time. Such changes may, among other things, (i) expand the category of Authorized Persons to include other Eligible Persons, (ii) allow for a contribution by the Company or its
subsidiaries toward the purchase of Common Stock for certain groups or classes of Authorized Persons, and (iii) expand or narrow the sources available (deductions from certain lines of compensation, contributions by check or ACH, etc.) to fund
an Authorized Person’s participation in the Plan. 
 (b) Participation. An Authorized Person will remain
eligible to participate in the Plan until the date on which it is determined that such person ceases to satisfy the Plan’s eligibility requirements; provided, however, that the Committee at any time may terminate such person’s
authorization to participate in the Plan with or without cause in its discretion. Notwithstanding anything to the contrary contained in the Plan, if the offer or sale of Common Stock under the Plan is not permitted by the state or provincial law to
which a person is subject, then such person shall not be an Eligible Person and shall not be authorized to participate in the Plan. 
  

	6.	Enrollment 

 (a)
Enrollment Procedure. An Authorized Person may obtain information about the program, including a copy of the Plan, an applicable prospectus and certain other documents relating to the Plan, as well as information about the Service
Provider, and may enroll in the program, via the Service Provider’s Website. An Authorized Person may participate in the Plan (and become a Participant in the Plan) as soon as practicable after the enrollment process is completed. The Service
Provider will process the Participant’s enrollment and promptly inform the Company of the enrollment. In addition, the Service Provider will establish a special purpose account for each Participant through which Common Stock will be purchased,
held and, if requested by the Participant, sold. Upon enrollment, no further action will be required of the Participant in connection with the Plan unless the Participant wishes to change the terms of his or her participation in the Plan.

 (b) Participant Contributions. A Participant must specify during enrollment his or her Participant
Contribution, and a permissible Committee-designated source of funds (for instance, the line of compensation to be deducted, if the Committee has authorized such line of compensation deduction), to be used to purchase Common Stock under the Plan. A
Participant may elect to have as a Participant Contribution any amount that equals or exceeds the Program Minimum, but not more than the Program Maximum. 
  

 3 

 (c) Service Provider. MSSB has been initially designated as the Service
Provider that will purchase and sell Common Stock or cause purchases and sales of Common Stock for the Participants, keep records, provide account information to Participants, and perform other duties relating to the Plan. The Service Provider has
informed the Company that it will perform the duties of the Service Provider as described in the Plan. The Service Provider may be replaced at any time with a broker-dealer, bank, trust company, or other entity designated by the Committee in its
discretion as provided in Section 21 of the Plan. 
  

	7.	Purchase of Stock 

 (a)
Participant Contributions to Service Provider. All Participant Contributions will be forwarded by the Company as soon as practicable to the Service Provider to be held by it pending the purchase of Common Stock. 
 (b) Service Provider Purchase of Stock. The Service Provider will apply all Participant Contributions received to the purchase
of Common Stock on behalf of the Participants. Such purchases will be made at least monthly on a Stock Purchase Date. Until the Participant Contributions are applied to a purchase on a Stock Purchase Date, the Service Provider may invest such
Participant Contributions in cash or cash equivalents. No interest will be paid to a Participant on any Participant Contributions under the Plan. 
 (c) No Loans or Company Contributions. No loans or advances will be made by the Company or its subsidiaries to Participants for the purpose of purchasing Common Stock under the Plan. No
contributions toward the purchase price of Common Stock purchased under the Plan will be made by the Company or its subsidiaries. 
 (d) Purchase Procedure. The Service Provider will purchase or cause the purchase of Common Stock on behalf of the Participants under the Plan on any securities exchange where such shares are traded, or, in the Committee’s
discretion, in negotiated transactions. The Service Provider may use any broker it selects to execute purchases and sales under the Plan; provided, however, that if the Committee instructs the Service Provider to use a specific broker for such
purposes, the Service Provider will do so. The Company may designate MSSB to act as broker. In connection with the Plan, the Company will sell to the Service Provider registered shares of Common Stock previously purchased on the open market. Common
Stock purchased by the Service Provider from the Company on any Stock Purchase Date will be purchased at the average of the high and low prices for the Common Stock as reported on the New York Stock Exchange on such Stock Purchase Date. 

(e) Suspension to Comply with Applicable Laws. Notwithstanding anything to the contrary contained in the Plan, the Service
Provider will suspend purchases of Common Stock if necessary to comply with applicable provisions of the federal or provincial securities laws or other laws and regulations. 
  

 4 

 (f) Fractional Shares. If application of a Participant Contribution to the
purchase of Common Stock does not result in the purchase of an exact number of whole shares for a Participant, the purchase for the Participant’s account may include the purchase of a fractional share interest (computed to three decimal
places). Fractional share interests will be entitled to proportional dividend income but a Participant will not be entitled to vote such fractional share interests. 
 (g) Purchase Price. The purchase price of shares of Common Stock purchased under the Plan for a Participant on a Stock Purchase Date will be the weighted average purchase price actually paid
for all shares purchased by the Service Provider on behalf of Participants on such date. 
 (h) Allocation of Stock to
Accounts. The Service Provider will allocate the Common Stock that it has purchased for a Participant to his or her account as soon as practicable after such purchase and will hold such Common Stock in such account. However, a Participant
may withdraw shares of Common Stock held by the Service Provider at any time, as provided in Section 11 of the Plan. 
  

	8.	Change or Suspension of Contribution 

 A Participant may elect to change the amount of his or her Participant Contribution via the Service Provider’s Website. The change will become effective as soon as practicable after the Company is
informed of the change by the Service Provider. No change of election will be permitted that would result in a Participant Contribution of more than the Program Maximum or less than the Program Minimum. 
  

	9.	Termination of Participation 

 (a) Termination by Participant. Participation in the Plan may be terminated by a Participant at any time. Such termination will be effective as soon as practicable following receipt of notice of the termination by the Company;
provided, however, that (i) if the effective date of such termination occurs on or before a Stock Purchase Date with respect to which any Participant Contribution of the Participant is then held by the Service Provider, then any such amount
will be applied by the Service Provider toward the purchase of Common Stock on such Stock Purchase Date, and (ii) if the effective date of such termination occurs on or before a Stock Purchase Date with respect to which any cash dividends
relating to the shares of such Participant are then held by the Service Provider, such dividends will be applied by the Service Provider toward the purchase of Common Stock on such Stock Purchase Date as provided in Section 13 of the Plan.

 (b) Sale of Shares. If a Participant requests at the time of termination that the Service Provider sell all or
a portion (whole shares only) of the Participant’s shares, the Service Provider will cause such sale as soon as practicable following receipt by the Service Provider of such request and will remit to the Participant as soon as practicable an
amount equal to the Net Proceeds. 
  

 5 

 (c) Service Provider Holding of Shares. If a Participant at the time of
termination does not make a request for the sale or withdrawal of shares, then the Service Provider will continue to hold such Participant’s shares unless and until the termination of the Plan or unless and until the Participant or the
Committee directs otherwise. Such terminating Participant will continue to have the right to give written instructions to the Service Provider in the manner set forth in this Section and in Sections 11 and 12 of the Plan to sell or deliver some or
all of such shares, and the Service Provider will follow such instructions as if such Participant remained a Participant in the Plan. Dividends received on shares held under the Plan will be reinvested in Common Stock unless the former Participant
provides written instructions to the contrary. Shares so held by the Service Provider on behalf of a terminating Participant will be subject to the same rights and limitations set forth herein as if such terminating Participant had not terminated
his or her participation in the Plan. 
 (d) Aggregation of Shares to be Sold. Shares that are to be sold on
behalf of a Participant may be aggregated with those of other Participants, in which case the sale price of shares so sold for a given Participant will be the weighted average sale price for such aggregate order placed by the Service Provider on
behalf of such Participants. 
 (e) Fractional Shares. If a Participant requests the withdrawal of all of his or
her shares, the Service Provider will sell or cause the sale of any fractional share in the Participant’s account as soon as practicable after receipt of such request and will remit to such Participant the Fractional Amount. 
 (f) Committee Discretion to Terminate Participation. The Committee may, at any time and in its discretion, terminate
(i) any Participant’s participation in the Plan, or (ii) the holding of shares by the Service Provider for any Participant who has terminated participation in the Plan, by causing the Company or Service Provider to provide notice to
such Participant, and if the Committee exercises its discretion to terminate the holding of shares by such Participant, by causing the Service Provider to deliver to such Participant certificates representing such Participant’s whole shares,
subject to such Participant paying the current prevailing costs for the issuance of any such certificates, and such Participant’s Fractional Amount, if any. 
 (g) Death. A Participant’s participation in the Plan automatically will terminate upon receipt of a Death Notice. Such Death Notice must contain evidence acceptable to the Service
Provider and Committee of (i) the Participant’s death, and (ii) the identity of the person duly authorized to serve as the estate representative. All shares will remain in the Participant’s account until otherwise requested by
the Participant’s estate. 
 (h) Authorized Person Cessation. A Participant’s participation in the Plan
automatically will be terminated if the Participant ceases to be an Authorized Person. The Company will notify the Participant and the Service Provider of such termination as soon as practicable after such termination. Unless instructed otherwise,
the Service Provider will terminate the Participant’s account in the manner described above as if the Participant had delivered a termination notice and had not requested the sale or withdrawal of any of the Participant’s shares.

  

 6 

	10.	Reenrollment 

 A
Participant who terminates participation under the Plan may re-enroll in the Plan, unless at the time of such re-enrollment such Participant is no longer an Authorized Person. The Committee, in its discretion, may expand or narrow the requirements
for an Authorized Person’s reenrollment in the Plan. 
  

	11.	Withdrawal of Shares 

 Without terminating participation in the Plan, a Participant may obtain possession of certificates representing some or all of the whole shares held by the Service Provider in the Participant’s account by sending a written request
thereof to the Service Provider requesting that such certificates be sent to the Participant with such forms as may be required by the Service Provider. As soon as practicable after receipt of such notice, the Service Provider will forward such
certificates, issued in the name of the Participant or such Participant’s nominee, to the Participant. The Participant will be required to pay the current prevailing costs for the issuance of any such certificates. 
  

	12.	Sale of Stock 

 With or
without terminating participation in the Plan, a Participant may sell all or a portion (whole shares only) of the shares held by the Service Provider in the Participant’s account via the Service Provider’s Website. The Service Provider
will not accept instructions to sell shares at a specified price. As soon as practicable, the Service Provider will cause such shares to be sold. Such shares may be sold on any securities exchange where such shares are traded or by negotiated
transactions, and may be subject to such terms, including, without restriction, price and delivery, as to which the Service Provider may agree. Unless otherwise allowed by the Service Provider, no Participant shall have any authority or power to
direct the time or price at which such shares are sold, or to select the broker or dealer through or from whom sales are to be made. Shares that are to be sold on behalf of a Participant may be aggregated with those of other Participants. This sale
price of shares of Common Stock so sold for a Participant will be the weighted average sale price for such aggregate order placed by the Service Provider on behalf of such Participants. The Participant will be obligated to pay certain costs relating
to such sale as set forth in Section 14 of the Plan. 
  

	13.	Dividend Investment 

 Cash
dividends, if any, paid on all shares of Common Stock held on the dividend record date by the Service Provider on behalf of each Participant under the Plan automatically will be reinvested in Common Stock, unless the Participant timely provides
written instructions to the Service Provider to the contrary. The Company will pay over to the Service Provider all cash dividends payable on shares of Common Stock held on behalf of the Participants. The Service Provider will apply all dividends so
received to the purchase of Common Stock on behalf of the Participants who have not provided written instructions to the contrary as soon as practicable after receipt of such dividends in the manner set forth in Section 7(d) of the Plan. The
Service Provider

  

 7 

 
will hold such cash dividends pending the purchase of Common Stock. If the Service Provider is unable to apply dividends being held for reinvestment to the purchase of shares within 30 Business
Days after receipt of such dividends, then as soon as practicable thereafter the Service Provider will remit the unapplied amount of such dividends to each Participant on behalf of whom the Service Provider received such dividends. For Participants
who provide written instructions to the Service Provider on or prior to the Business Day immediately preceding the dividend record date not to reinvest their dividends, the Service Provider will remit the amount of their dividends, by check, as soon
as practicable after they are received. 
  

	14.	Cost of Participation 

 There will be no service, administrative, brokerage or other fees or charges to Participants in connection with purchases of Common Stock under the Plan. All such costs will be paid by the Company or its affiliates. However, a Participant
will be obligated to pay any brokerage fees, transfer or similar taxes and other fees, including, without restriction, Service Provider fees, in connection with the sale or withdrawal of shares in his or her Plan account. The Service Provider will
deduct an amount equal to such fees and taxes from the amount due the Participant. Initially, the Service Provider has indicated that brokerage fees will be $0.06 per share for transactions up to and including 10,000 shares, and $0.05 per share for
transactions of 10,001 or more shares, and that Service Provider fees will be not less than $35 per transaction, plus any prevailing service fee (currently $5) and transaction fee. Brokerage fees and Service Provider fees are subject to change at
any time without advance notice to Participants, and Participants will be notified of such an such change as soon as practicable after the change becomes effective. 
  

	15.	Account Establishment 

 The Service Provider will establish a special purpose account for each enrolled Participant through which Company Stock will be purchased, held and, if requested by the Participant, sold. Neither funds nor shares of Common Stock held by the
Service Provider or its nominee for a Participant under the Plan may be pledged, assigned, borrowed against, or hypothecated or otherwise encumbered by the Participant. 
  

	16.	Account Balances 

 The
Service Provider will provide to each Participant a year-end statement that includes information concerning the Participant’s account, including the balance of the number of shares of Common Stock in such Participant’s account. If a
Participant has account activity, then the Service Provider is expected to provide a confirmation reflecting that activity, for example, detailing shares purchased or sold for such Participant’s account, the purchase price or sale price for
such shares, and the amount of Common Stock held by the Service Provider for the Participant’s account. In addition, the Service Provider will provide to each Participant an annual tax information statement reporting dividends paid on shares
held in such Participant’s account and brokerage fees paid by the Company or its affiliates on behalf of such Participant. The Service Provider will provide to each Participant copies of all stockholder communications (excluding proxy
materials) that the Company sends to all recordholders of Common Stock. 
  

 8 

	17.	Voting 

 The Service
Provider will provide to the Company’s transfer agent and registrar of Common Stock, or such other designee identified by the Company, a list of Participants and the number of shares held in each Participant’s account. The transfer agent
and registrar, or such designee, shall provide to each Participant proxy materials (including a form of voting instructions) relating to the shares of Common Stock held in such Participant’s account, if any, as of the record date set by the
Company. Such shares will be voted as indicated by the Participant on the voting instructions. If the voting instructions are not returned or if they are returned unsigned by the registered owner, none of the Participant’s shares will be voted.
Fractional shares will not be voted. 
  

	18.	Corporate Actions 

 (a)
Stock Dividends and Splits. Any stock dividends or split shares of Common Stock distributed on shares held by the Service Provider for a Participant under the Plan will be retained by the Service Provider on behalf of, and credited to
the account of, such Participant in the Plan. 
 (b) Other Rights to Shares. If holders of Common Stock are
offered rights to subscribe for additional shares or other securities, such rights will be issued to a Participant based on the number of whole shares held under the Plan for the account of such Participant. 
  

	19.	Limitation on Liability 

 Neither the Company, Primerica Life, the Service Provider nor any of their respective subsidiaries, affiliates, directors, officers or employees, nor the Committee nor any of its members, shall be liable in connection with the Plan for any
act or omission absent its own gross negligence or willful misconduct, or with respect to the prices at which shares are purchased or sold for a Participant’s account or the times at which such purchase or sales are made. Neither the Company,
Primerica Life, their affiliates, the Committee nor any member of the Committee will be liable for any act or omission by the Service Provider, or for any failure of the Service Provider to perform any of its obligations set forth in the Plan or for
Service Provider’s failure otherwise to comply with the provisions contained in the Plan. 
  

	20.	Notices 

 Any notice,
instruction, request or election which by any provision of the Plan is required or permitted to be given or made by a Participant or the Service Provider to the Company must be in writing by mail or overnight courier to the Company at the address
set forth in the prospectus applicable to the Participant, or such other address as the Company furnishes to the Participant and the Service Provider, and will be deemed to have been sufficiently given or made when received by the Company, provided,
however, that if the date of receipt is a Saturday, Sunday, or legal holiday in the State of Georgia on which the Company does not conduct business, receipt will be deemed to have occurred on the next regular business day. 
  

 9 

 Any notice, instruction, request or election which by any provision of the Plan is required
or permitted to be given or made by a Participant or the Company to the Service Provider must be in writing by mail or overnight courier addressed to: 
 Morgan Stanley Smith Barney LLC 
 Attn.: Stock Plan Services 
 100 Citibank Drive 
 Building 3, Second Floor 
 San Antonio, TX 78245 
 or by facsimile transmission to: 
 Fax Number: (210) 357-8480 
 or such other address as the Service Provider will furnish to
the Participants and the Company, and will be deemed to have been sufficiently given or made when received by the Service Provider, provided, however, that if the date of receipt is not a Business Day, receipt will be deemed to have occurred on the
next Business Day. Notwithstanding anything to the contrary contained in this Section, any notice, instruction, request or election may be conveyed by the Company to the Service Provider by any electronic medium mutually agreed upon by the Company
and the Service Provider. 
 Any notice that is required by any provision of the Plan to be given by the Company or the Service
Provider to a Participant will be in writing, and will be deemed to have been sufficiently given when made available to Participant via the Service Provider’s Website or Primerica Online. Any certificate or check that is required by any
provision of the Plan to be given by the Service Provider to a Participant will be deemed to have been sufficiently given when deposited postage prepaid in a post office letter box addressed to the Participant at his or her address as it last
appears on the records of the Service Provider. 
  

	21.	Amendment, Suspension, Termination and Successor Service Provider 

 The Committee may amend, modify, suspend or terminate the Plan at any time. The Committee also may replace the Service Provider, with or without cause, with a successor Service Provider upon mailing
notice to the Service Provider, the Company and each Participant for whom the Service Provider continues to hold shares of Common Stock under the Plan. Such action will be effective at the time of such mailing, unless otherwise stated in such
notice. No termination date has been established for the Plan by the Company. 
  

	22.	Effective Date 

 The
effective date of the Plan is April 1, 2010. 
  

 10 

	23.	General Provisions 

 (a)
Company Right to Adopt Other Plans. Nothing contained in the Plan will prevent the Company from adopting other or additional purchase plan arrangements, subject to stockholder approval if such approval is required by applicable law,
and such arrangements may be either generally applicable or applicable only in specific cases. The adoption of the Plan will not confer upon any person any right to continued employment or other contractual association (as agent or otherwise) with
the Company, nor will it interfere in any way with the right of the Company to terminate the employment or agency of any person at any time. 
 (b) No Assignment of Participation. A Participant’s participation under the Plan may not be assigned or transferred in whole or in part either directly or by operation of law or
otherwise, including, but not by way of limitation, execution, levy, garnishment, attachment, pledge, bankruptcy, divorce, or in any other manner. 
 (c) Tax Withholding. The Company and its subsidiaries will have the right to deduct from any payment made under the Plan any federal, state or local income or other taxes required by law to
be withheld with respect to such payment. 
 (d) Acceptance of Plan and Administration. By enrolling in the Plan,
each Participant and each person claiming under or through a Participant will be conclusively deemed to have indicated his or her acceptance and ratification of, and consent to, any action taken under the Plan by the Company, its subsidiaries, the
Service Provider or the Committee. 
 (e) Impermissible Purchases and Sales. Common Stock purchased under the Plan
may not be purchased on margin. No Participant may purchase, sell or engage in other transactions relating to Common Stock held under the Plan by direct communication with a broker used by the Service Provider under the Plan. 
 (f) Governing Law. The terms and conditions of the Plan and its operation, and all communications made by or to any person
pursuant to or with respect to the Plan will be governed and construed in accordance with the laws of the State of Delaware without regard to conflicts of laws principles. 
  

 11

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