Document:

Form of Intercompany Agreement

 Exhibit 10.1 
 Form of Intercompany Agreement 
 INTERCOMPANY AGREEMENT

 by and between 
 PRIMERICA, INC. 
 (formerly named PUCK HOLDING COMPANY, INC.) 
 and 
 CITIGROUP INC.

 Dated as of [            ], 2010 

 TABLE OF CONTENTS 
  

					
	 	 	 	  	Page
		 	 ARTICLE I
  
 DEFINITIONS
	  	
			
	Section 1.1	 	Certain Definitions	  	1
		 	 ARTICLE II
  
 COSTS AND EXPENSES
	  	
			
	Section 2.1	 	Allocation of Costs and Expenses	  	7
		 	 ARTICLE III
  
 TRADEMARK LICENSING AGREEMENT
	  	
			
	Section 3.1	 	Grant of Trademark Licenses	  	8
	Section 3.2	 	Trademark Guidelines and Standards	  	10
	Section 3.3	 	Retention of Trademark Ownership	  	11
	Section 3.4	 	Termination of Trademark Licenses	  	12
	Section 3.5	 	Use After Termination	  	13
	Section 3.6	 	Trademark Usage Marking Requirements and Quality Control	  	13
	Section 3.7	 	Disclaimers of Representations and Warranties	  	14
			
		 	 ARTICLE IV
  
 EQUITY PURCHASE RIGHTS
	  	
			
	Section 4.1	 	Equity Purchase Rights	  	14
		 	 ARTICLE V
  
 FINANCIAL AND OTHER INFORMATION
	  	
			
	Section 5.1	 	Five Percent Threshold	  	16
	Section 5.2	 	Twenty Percent Threshold	  	17
	Section 5.3	 	Fifty Percent Threshold	  	18
	Section 5.4	 	Attorney Client Privilege	  	23

  

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		 	ARTICLE VI	  	
			
		 	INDEMNIFICATION	  	
			
	Section 6.1	 	General Cross Indemnification	  	24
	Section 6.2	 	Procedure	  	25
	Section 6.3	 	Other Matters	  	26
	Section 6.4	 	Exclusivity of Tax Separation Agreement	  	27
	Section 6.5	 	Registration Statement Indemnification	  	27
	Section 6.6	 	Contribution	  	28
		 	ARTICLE VII	  	
			
		 	OTHER PROVISIONS	  	
			
	Section 7.1	 	Keepwell Release and Payments	  	29
	Section 7.2	 	Software	  	29
	Section 7.3	 	Non-Competition	  	30
	Section 7.4	 	Non-Solicitation; Non-Hire	  	33
	Section 7.5	 	Employee Benefits	  	34
	Section 7.6	 	Form S-8	  	35
	Section 7.7	 	Right of First Offer	  	35
	Section 7.8	 	Compliance with Provisions	  	36
	Section 7.9	 	Access to Shared Historical Records; Information Arising from Affiliate Relationship	  	36
	Section 7.10	 	Promotional Agreements	  	36
	Section 7.11	 	Joint Internet Marketing	  	37
	Section 7.12	 	Litigation and Settlement Cooperation	  	37
	Section 7.13	 	Compliance	  	37
	Section 7.14	 	Policies and Procedures	  	37
	Section 7.15	 	Intercompany Accounts	  	38
	Section 7.16	 	Termination of Intercompany Agreements	  	38
	Section 7.17	 	Citigroup Control Rights	  	39
	Section 7.18	 	Information Required for Regulatory Purposes	  	41
			
		 	ARTICLE VIII	  	
			
		 	DISPUTE RESOLUTION	  	
			
	Section 8.1	 	Negotiation	  	41
	Section 8.2	 	Arbitration	  	42
	Section 8.3	 	Confidentiality	  	43

  

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		 	ARTICLE IX	  	
			
		 	MISCELLANEOUS	  	
			
	Section 9.1	 	Notices	  	43
	Section 9.2	 	Binding Nature of Agreement	  	44
	Section 9.3	 	Descriptive Headings	  	44
	Section 9.4	 	Specific Performance and Other Remedies	  	45
	Section 9.5	 	Governing Law	  	45
	Section 9.6	 	Counterparts	  	45
	Section 9.7	 	Severability	  	45
	Section 9.8	 	Confidential Information	  	45
	Section 9.9	 	Amendment; Modification and Waiver	  	46
	Section 9.10	 	Entire Agreement	  	46
	Section 9.11	 	No Assignment	  	46
	Section 9.12	 	Recapitalization, Dilution Adjustments, etc.	  	47
	Section 9.13	 	Other Intercompany Agreements	  	47
	Section 9.14	 	Further Actions	  	47
	Section 9.15	 	Further Assurances with Respect to Reorganization	  	47
	Section 9.16	 	No Third Party Beneficiaries	  	47
	Section 9.17	 	Drafting of Language	  	48
	Section 9.18	 	Interpretation	  	48

  

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 LIST OF SCHEDULES 
  

			
	Schedule 1.1(a)	 	Applicable Restructuring Documents
	Schedule 1.1(b)	 	Knowledge of Primerica
	Schedule 2.1(b)	 	Allocation of Costs and Expenses
	Schedule 2.1(c)	 	Allocation of Costs and Expenses
	Schedule 2.1(d)	 	Directors’ and Officers’ Liability Insurance
	Schedule 3.1(a)	 	Citi Marks
	Schedule 3.1(f)	 	Primerica Marks
	Schedule 3.4(a)	 	Citigroup Contractual Commitments
	Schedule 3.4(c)	 	Primerica Contractual Commitments
	Schedule 6.1(a)	 	Sofware
	Schedule 7.2(a)	 	Citigroup Proprietary Software
	Schedule 7.2(b)	 	Third Party Computer Software Seat Licenses
	Schedule 7.5(b)	 	Conversion of Citigroup Awards
	Schedule 7.5(g)	 	Continuing Employees
	Schedule 9.13	 	Commercial Agreements
	Schedule I	 	Registration Statements

  

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 INTERCOMPANY AGREEMENT 
 INTERCOMPANY AGREEMENT, dated as of [    ], 2010, by and between PRIMERICA, INC. (formerly named Puck Holding
Company, Inc.), a Delaware corporation (“Primerica”), and CITIGROUP INC., a Delaware corporation (“Citigroup”). 
 WHEREAS, Citigroup is the indirect owner of all of the issued and outstanding Common Stock (as defined below) of Primerica immediately prior to the date hereof; and 
 WHEREAS, in contemplation of Primerica ceasing to be so wholly owned by Citigroup, the parties hereto have determined that it is desirable
to set forth certain agreements that will govern certain matters between the parties hereto following the completion of the Initial Public Offering (as defined below). 
 NOW, THEREFORE, in consideration of the mutual promises and covenants set forth herein, and for other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the
parties hereto, intending to be legally bound, hereby agree as follows: 
 ARTICLE I 
 DEFINITIONS 
 Section 1.1 Certain Definitions. In addition to the terms defined elsewhere in this Agreement, the following terms shall have the following meanings: 
 “Affiliate” means, with respect to any Person, any other Person that, directly or indirectly, through one or more intermediaries, controls, is controlled by or is under common control
with such first Person. The term “control” (including its correlative meanings “controlled by” and “under common control with”) means possession, directly or indirectly, of power to direct or cause the direction of
management or policies (whether through ownership of securities or partnership or other ownership interests, by contract or otherwise). 
 “Agreement” means this Intercompany Agreement, including all amendments, modifications and supplements and any exhibits or schedules to any of the foregoing, and shall refer to the
Agreement as the same may be in effect at the time such reference becomes operative. 
 “Applicable Restructuring
Documents” means the agreements listed on Schedule 1.1(a) hereto. 

 “Beneficially Own” and “Beneficially Owned” means
“beneficial ownership” within the meaning of Rule 16a-1(a)(2) promulgated by the SEC under the Exchange Act. 
 “Business Day” or “business day” means each Monday, Tuesday, Wednesday, Thursday and Friday which is not a day on which banking institutions in New York City are authorized or obligated by law or executive
order to close. 
 “Citi Note” means the note issued to Citigroup pursuant to the Exchange Agreement and any
and all notes issued upon exchange, substitution or transfer thereof. 
 “Citigroup Affiliated Group” means,
collectively, Citigroup and all corporations, partnerships, joint ventures, limited liability companies, associations and other entities (a) in which Citigroup owns, directly or indirectly, fifty percent (50%) or more of the outstanding
voting stock, voting power, partnership interests or similar ownership interests, (b) of which Citigroup otherwise directly or indirectly controls or directs the policies or operations or (c) which would be considered subsidiaries of
Citigroup within the meaning of Regulation S-K or Regulation S-X, now or hereafter existing, other than Primerica and its Subsidiaries, now or hereafter existing (all determinations hereunder to be made after giving effect to the Reorganization (as
defined below)). 
 “Citigroup Competitor” means any entity that is primarily engaged in the provision of
banking or financial services, and has consolidated revenues greater than $10 billion. 
 “Citigroup Proprietary
Software” means the software identified on Schedule 7.2(a) hereto, which reflects certain software owned by a member of the Citigroup Affiliated Group and being used by Primerica as of the date hereof as has been mutually agreed by
the parties hereto. 
 “Commercial Agreements” means those agreements identified on Schedule 9.13
hereto. 
 “Common Stock” means the common stock, par value $0.01 per share, of Primerica and any other class
or series of common stock of Primerica hereafter created. 
 “Concurrent Transactions” means the transactions
contemplated by the Related Agreements and the other concurrent transactions described in the IPO S-1 to be completed contemporaneously with the Initial Public Offering. 
 “Continuing Agreements” means the Related Agreements and the Commercial Agreements. 
  

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 “Continuing Employees” means all active employees of Primerica or any of
its Subsidiaries who have not been terminated by Primerica in the ordinary course of business as of the date hereof (as determined by Primerica and provided to Citigroup on Schedule 7.5(g) hereto). For purposes of this Agreement, active
employees shall include employees who are on approved absences from work (e.g., disability leave, statutory leave, approved leave of absence, etc.) as of the date hereof. 
 “Distribution,” “Distributing” or “Distributes” means selling, marketing, offering or distributing of a product or service to consumers. 
 “Equity Purchase Shares” means shares of Voting Stock or any securities convertible into or exchangeable for shares of
Voting Stock or any options, warrants or rights to acquire shares of Voting Stock; provided that no securities issued upon the exercise or conversion of the Warrant, or issued in exchange for any such securities, shall constitute Equity
Purchase Shares. 
 “Exchange Act” means the Securities Exchange Act of 1934. 
 “Exchange Agreement” means the Exchange and Transfer Agreement, dated as of the date hereof, by and between Citigroup
Insurance Holding Corporation (“CIHC”) and Primerica. 
 “Fair Market Value” means, with respect to
shares of Voting Stock, the fair market value thereof as jointly determined by Primerica and Citigroup or, in the event Primerica and Citigroup are unable to agree, as determined by a mutually acceptable nationally recognized investment banking or
other financial advisory firm. 
 “First Trigger Date” means the first date on which the members of the
Citigroup Affiliated Group cease to Beneficially Own, in the aggregate, shares entitled to fifty percent (50%) or more of the votes entitled to be cast by the holders of then outstanding Common Stock. 
 “GAAP” means United States generally accepted accounting principles. 
 “Independent Contractor Representative” means, with respect to any person, an unsalaried salesperson who has a contractual
arrangement with, but is not an employee of, a marketing company and who (i) Distributes authorized products and services of such marketing company by means of relationship referral, (ii) is encouraged to recruit or train additional
non-employee salespersons and (iii) is compensated for sales by any such non-employee salespersons so recruited, directly or indirectly, as well as for his or her own sales. 
  

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 “Initial Public Offering” means the proposed initial public offering of the
Common Stock as contemplated by the IPO S-1. 
 “IPO S-1” means Primerica’s registration statement on Form
S-1 (No. 333-162918) relating to the Initial Public Offering as the same may be amended or supplemented from time to time. 
 “Keepwell” means any guaranty, keepwell, surety bond, indemnity agreement, net worth or financial condition maintenance agreement of or by any member of the Citigroup Affiliated Group provided to any Person (including any
insurance regulatory authority) with respect to any actual or contingent obligation of Primerica, any Subsidiary of Primerica or any of their respective employees. 
 “Knowledge of Primerica” means the knowledge of Primerica’s Named Executive Officers (as defined in the IPO S-1) and those individuals set forth on Schedule 1.1 (b) (and, in each
case, any of their successors), or the knowledge each reasonably should have had. 
 “Long Term Services
Agreement” means the Long Term Services Agreement, dated as of the date hereof, by and between Primerica Life Insurance Company (“PLIC”) and CitiLife Financial Limited (Ireland). 
 “Outstanding Voting Stock” means the shares of Voting Stock issued and outstanding, and shall not include shares of Voting
Stock held by Primerica as treasury stock or by any Subsidiary of Primerica. 
 “Person” means any individual,
corporation, partnership, joint venture, limited liability company, association or other business entity and any trust, unincorporated organization or government or any agency or political subdivision thereof. 
 “Primerica Business” means the business of Primerica and its Subsidiaries (after giving effect to the Reorganization),
including the underwriting, administration and Distribution of term life insurance, student life insurance and short-term disability insurance, the administration and Distribution of mutual funds, variable annuities and segregated funds, the
Distribution of long-term care insurance, automobile insurance, homeowners insurance and stand-alone prepaid legal contracts, the administration, marketing, brokering and referral of mortgage and consumer loans and the management of a sales
organization of Independent Contractor Representatives, as more fully described in the IPO S-1. 
  

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 “Primerica Charter” means the Restated Certificate of Incorporation of
Primerica filed with the Secretary of State of the State of Delaware on [    ], 2010. 
 “Primerica Employees” means all current, former or retired employees of Primerica or a Subsidiary of Primerica. 
 “Prospectus” means the prospectus or prospectuses included in any Registration Statement, as amended or supplemented by any prospectus supplement and by all other amendments and
supplements to such prospectus, including post-effective amendments and all material incorporated by reference in such prospectus or prospectuses. 
 “Region” means the United States and its territories and possessions (including Puerto Rico, Guam, U.S. Virgin Islands and the Commonwealth of Northern Mariana Islands) and Canada.

 “Registration Rights Agreement” means that certain registration rights agreement between Primerica, CIHC,
Warburg Pincus Private Equity X, L.P. and Warburg Pincus X Partners, L.P. dated as of the date hereof. 
 “Registration
Statement” means any registration statement of Primerica filed with the SEC under the Securities Act (including the IPO S-1), including in each such case the Prospectus relating thereto, amendments and supplements to such Registration
Statement, including post-effective amendments, all exhibits and all materials incorporated by reference in such Registration Statement and Prospectus. 
 “Regulation S-K” means Regulation S-K of the General Rules and Regulations under the Securities Act. 
 “Regulation S-X” means Regulation S-X of the General Rules and Regulations under the Securities Act. 
 “Reinsurance Agreements” means the (i) Co-Insurance Agreement (relating to ten percent (10%) of the reinsured business), dated as of
[                ], by and between PLIC and Prime Reinsurance Company, Inc. (“Prime Re”), and a related trust agreement, (ii) Co-Insurance
Agreement (relating to eighty percent (80%) of the reinsured business), dated as of [                    ], by and between PLIC and Prime
Re, and a related trust agreement, (iii) Co-Insurance Agreement, dated as of [                    ], by and between National Benefit Life
Insurance Company and American Health and Life Insurance Company, and a related trust agreement, (iv) Co-Insurance Agreement, dated as of
[                    ], by and between Primerica Life Insurance Company of Canada and Financial Reassurance Company 2010 Ltd., and a related
trust agreement and (v) Capital Maintenance

  

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Agreement, dated as of [    ], by and between Citigroup and Prime Re, and, in each case, all agreements primarily relating thereto (including monitoring and reporting
agreements). 
 “Related Agreements” means the Reinsurance Agreements, the Tax Separation Agreement, the
Transition Services Agreement, the Exchange Agreement, the Applicable Restructuring Documents, the Long Term Services Agreement and the Citi Note. 
 “Reorganization” means the (a) transfer by Primerica or one of its Subsidiaries to certain members of the Citigroup Affiliated Group of the specifically identified contractual rights
and obligations or assets and liabilities not related to the Primerica Business as described in and documented by the Applicable Restructuring Documents listed on Schedule 1.1(a) hereto, and (b) transactions contemplated by the Exchange
Agreement, in each case, as may be adjusted pursuant to Section 9.15 hereto. 
 “SEC” means the
Securities and Exchange Commission. 
 “Second Trigger Date” means the first date on which the members of the
Citigroup Affiliated Group cease to Beneficially Own, in the aggregate, shares entitled to twenty percent (20%) or more of the votes entitled to be cast by the holders of then outstanding Common Stock. 
 “Securities Act” means the Securities Act of 1933, as amended. 
 “Securities Purchase Agreement” means the Securities Purchase Agreement, dated as of February 8, 2010, by and among
Primerica, CIHC, Warburg Pincus Private Equity X, L.P. and Warburg Pincus X Partners, L.P. 
 “Subsidiary” of
Primerica includes all corporations, partnerships, joint ventures, limited liability companies, associations and other entities (a) in which Primerica owns, directly or indirectly, fifty percent (50%) or more of the outstanding voting
stock, voting power, partnership interests or similar ownership interests, (b) of which Primerica otherwise directly or indirectly controls or directs the policies or operations or (c) which would be considered subsidiaries of Primerica
within the meaning of Regulation S-K or Regulation S-X. 
 “Tax Separation Agreement” means the Tax Separation
Agreement, dated as of the date hereof, by and between Primerica and Citigroup. 
 “Third Trigger Date” means
the first date on which members of the Citigroup Affiliated Group cease to Beneficially Own, in the aggregate, shares entitled to five percent (5%) or more of the votes entitled to be cast by the holders of the then outstanding Common Stock.

  

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 “Transactions” means, collectively, (a) the Reorganization,
(b) the Initial Public Offering and (c) the Concurrent Transactions. 
 “Transition Services
Agreement” means the Transition Services Agreement, dated as of the date hereof, by and between Primerica and Citigroup. 
 “Voting Stock” means all securities issued by Primerica having the ordinary power to vote in the election of directors of Primerica, other than securities having such power only upon the occurrence of a default or any other
extraordinary contingency. 
 “Warrant” has the meaning given to such term in the Securities Purchase
Agreement. 
 ARTICLE II 
 COSTS AND EXPENSES 
 Section 2.1 Allocation of Costs and Expenses.

 (a) Except as otherwise provided in the Related Agreements, Primerica shall pay for all fees, costs and
expenses incurred by Primerica or any of its Subsidiaries in connection with the Transactions, and Citigroup shall pay for all fees, costs and expenses incurred by any member of the Citigroup Affiliated Group in connection with the Transactions.

 (b) Notwithstanding Section 2.1(a) or Section 2.1(c) hereof, Citigroup shall pay (or
to the extent incurred prior to the date hereof and paid for by Primerica or any of its Subsidiaries, will promptly reimburse Primerica or such Subsidiary for any and all amounts so paid upon receipt of an invoice or similar documentation), for all
fees, costs and expenses incurred prior to the date hereof as set forth on Schedule 2.1(b). 
 (c)
Notwithstanding Section 2.1(a) or Section 2.1(b) hereof, Primerica shall pay (or to the extent incurred and paid for by any member of the Citigroup Affiliated Group, will promptly reimburse such member of the Citigroup
Affiliated Group for any and all amounts so paid upon receipt of an invoice or similar documentation), for all the fees, costs and expenses incurred prior to the date hereof as set forth on Schedule 2.1(c). 
 (d) Citigroup shall, to the extent commercially available and for a claims reporting period of six years from the effective
date of the Initial Public Offering, arrange directors’ and officers’ liability insurance or “Tail Insurance,” applicable to acts occurring at or prior to such date, substantially upon the terms set forth in Schedule
2.1(d). Such insurance shall provide protection to directors and officers of Primerica and its Subsidiaries as respects

  

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their non-indemnifiable acts or omissions and shall provide protection to Primerica as respects indemnifiable acts or omissions of such insured directors and officers, and protection to Primerica
for entity securities related claims. Such Tail Insurance shall be primary to any protection that could be available under Citigroup’s directors’ and officers’ liability insurance. The Tail Insurance shall be placed with insurers that
have an AM Best rating of no less than A-, VII, or equivalent S&P rating. Citigroup shall have total control and management over the negotiation and placement of such insurance coverage; provided that the coverage shall be reasonably acceptable
to Primerica. 
 ARTICLE III 
 TRADEMARK LICENSING AGREEMENT 
 Section 3.1 Grant of Trademark
Licenses. 
 (a) Citigroup hereby grants to Primerica, or to the extent another member of the Citigroup
Affiliated Group owns the Citi Marks (as defined below), Citigroup hereby causes such member to grant to Primerica, for the term set forth in Section 3.4(a) hereof, a non-exclusive royalty-free license (the “Citi
License”) to use the marks set forth in Schedule 3.1(a) hereto (such marks hereinafter referred to as the “Citi Marks”), but only in the manner identified in Schedule 3.1(a) hereto and the mark “A Member
of Citigroup” or as otherwise approved in advance in writing by Citigroup’s trademark counsel, in each case, solely for the purpose of identifying, advertising, marketing and promoting the Primerica Business in any form or media in the
United States and/or Canada, in each case, in substantially the same manner as the Primerica Business is identified, advertised, marketed and promoted as of the date hereof. Primerica shall only use the Citi Marks in connection with its business,
products, services and activities related thereto of a nature and quality which are at least equal to that used by Primerica and its Subsidiaries in connection with the Citi Marks as of the date hereof, and in a manner that is in conformity with
past practices and existing agreements between members of the Citigroup Affiliated Group, on the one hand, and Primerica and its Subsidiaries, on the other hand, regarding quality control and usage of such marks. Primerica shall have no right to
sublicense the Citi Marks; provided, however, that Primerica may sublicense the Citi Marks (i) to any Subsidiary of Primerica (for so long as such Subsidiary remains a Subsidiary of Primerica) for purposes of advertising,
marketing, promoting and selling products and services bearing Citi Marks in accordance with the terms of this Article III and (ii) as necessary in order for a Primerica Subsidiary to fulfill its obligations under any agreement with a
third party existing as of the date hereof, which may include the granting of further sublicenses to such third party (a “Designated Primerica Sublicensee”). Notwithstanding the foregoing, Citigroup agrees that Primerica’s
Independent Contractor Representatives shall be a Designated Primerica Sublicensee. A breach by a Designated Primerica Sublicensee of any of the provisions of this Article III shall be deemed a breach by Primerica of this Article III.
Primerica shall not use any Citi Mark as a corporate name for any new business or company, and shall not use the Citi Marks in the name of any new product, service or corporate entity. Subsequent to the date hereof, except as provided in
Section 3.1(b) below, if Primerica identifies additional marks that were in use as of the date hereof and which should have been

  

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included in Schedule 3.1(a) hereto, then at Primerica’s written request and subject to Citigroup’s written approval (such approval not to be unreasonably withheld, conditioned or
delayed), Citigroup shall grant Primerica a license to use such other marks, and such marks shall be deemed Citi Marks for all purposes under this Agreement. 
 (b) Primerica agrees that the Citi License is a “phase-out” license and agrees that during the term of the Citi
License its use of the Citi Marks shall be consistent with the purposes of such “phase-out” license. 
 (c) Primerica shall have no rights with respect to the Citi Marks other than those expressly set forth in this Agreement. This Agreement supersedes all prior agreements (whether written, oral or implied) between any member of the Citigroup
Affiliated Group and Primerica or any Subsidiary of Primerica, with respect to the use of the Citi Marks. 
 (d)
Primerica shall, shall cause its Subsidiaries to, and shall use commercially reasonable efforts to cause the Primerica Independent Contractor Representatives to, execute all additional documents which Citigroup may reasonably request (at
Citigroup’s expense), both prior and subsequent to the expiration or earlier termination of the Citi License, in order to perfect, maintain, defend or terminate any right of any party in the Citi Marks hereunder in any jurisdiction of the
world. 
 (e) Primerica hereby grants, or to the extent a Subsidiary of Primerica owns the Primerica Marks (as
defined below), Primerica hereby causes such Subsidiary to grant, for the term set forth in Section 3.4(c), to Citigroup a worldwide, non-exclusive, royalty-free license (the “Primerica License”) to use the marks set
forth in Schedule 3.1(f) hereto (such marks hereinafter referred to as the “Primerica Marks”), but only in the manner identified in Schedule 3.1(f) hereto or as otherwise approved in advance in writing by Primerica, in
each case, solely for the purpose of identifying, advertising, marketing and promoting Citigroup’s business, products and services and activities related thereto as reasonably necessary to operate existing Citigroup businesses that are using
the Primerica Marks, in each case, in substantially the same manner as such businesses are using the Primerica Marks as of the date hereof. Citigroup shall only use the Primerica Marks in connection with the business, products and services and
activities related thereto of the Citigroup Affiliated Group that are of a nature and quality which are at least equal to that currently used by any member of the Citigroup Affiliated Group in connection with the Primerica Marks as of the date
hereof, and in a manner that is in conformity with past practices and existing agreements between members of the Citigroup Affiliated Group, on the one hand, and Primerica and its Subsidiaries, on the other hand, regarding quality control and usage
of such marks. Citigroup shall have no right to sublicense the Primerica Marks; provided, however, that Citigroup may sublicense the Primerica Marks (i) to any member of the Citigroup Affiliated Group (for so long as such member
of the Citigroup Affiliated Group remains a member of the Citigroup Affiliated Group) for purposes of advertising, marketing, promoting and selling products and services bearing Primerica Marks in accordance with the terms of this Article III
and (ii) as necessary in order for a member of the Citigroup Affiliated Group to fulfill its obligations under any agreement with a third party

  

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existing as of the date hereof, which may include the granting of further sublicenses to such third party (a “Designated Citigroup Sublicensee”). Notwithstanding the foregoing,
Primerica agrees that independent agents appointed by Citigroup to market Citigroup’s products and services shall be a Designated Citigroup Sublicensee. A breach by a Designated Citigroup Sublicensee of any of the provisions of this Article
III shall be deemed a breach by Citigroup of this Article III. Citigroup shall not use any Primerica Mark as a corporate name for any new business or company, and shall not use the Primerica Marks in the name of any new product, service
or corporate entity. Subsequent to the date hereof, if Citigroup identifies additional marks that were in use as of the date hereof and which should have been included in Schedule 3.1(f) hereto, then at Citigroup’s written request and
subject to Primerica’s written approval (such approval not to be unreasonably withheld, conditioned or delayed), Primerica shall grant Citigroup a license to use such other marks, and such marks shall be deemed Primerica Marks for all purposes
under this Agreement. 
 (f) Citigroup agrees that the Primerica License is a “phase-out” license and
agrees that during the term of the Primerica License its use of the Primerica Marks shall be consistent with the purposes of such “phase-out” license. 
 (g) Citigroup shall have no rights with respect to the Primerica Marks other than those expressly set forth in this
Agreement. This Agreement supersedes all prior agreements (whether written, oral or implied) between any member of the Citigroup Affiliated Group and Primerica or any Subsidiary of Primerica, with respect to the use of the Primerica Marks.

 (h) Citigroup shall, and shall cause each member of the Citigroup Affiliated Group to, execute all additional
documents which Primerica may reasonably request (at Primerica’s expense), both prior and subsequent to the expiration or earlier termination of the Primerica License, in order to perfect, maintain, defend or terminate any right of any party in
the Primerica Marks hereunder in any jurisdiction of the world. 
 Section 3.2 Trademark Guidelines and Standards.

 (a) Primerica agrees that, in the conduct of the business and activities of Primerica and its Designated
Primerica Sublicensees under the Citi License, it shall, and shall use commercially reasonable efforts to cause each Designated Primerica Sublicensee to, adhere to the appropriate ethical standards pertaining to Primerica’s and its Designated
Primerica Sublicensees’ businesses and operations, and shall, and shall use commercially reasonable efforts to cause each Designated Primerica Sublicensee to, do nothing to bring disrepute to or damage the goodwill symbolized by the Citi Marks.

 (b) Citigroup agrees that, in the conduct of the business and activities of Citigroup and its Designated
Citigroup Sublicensees under the Primerica License, it shall, and shall use commercially reasonable efforts to cause each Designated Citigroup Sublicensee to,

  

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adhere to the appropriate ethical standards pertaining to Citigroup’s and its Designated Citigroup Sublicensees’ businesses and operations, and shall, and shall use commercially
reasonable efforts to cause each Designated Citigroup Sublicensee to, do nothing to bring disrepute to or damage the goodwill symbolized by the Primerica Marks. 
 Section 3.3 Retention of Trademark Ownership. 
 (a)
Primerica acknowledges and agrees that Citigroup, and/or such other member of the Citigroup Affiliated Group referred to in the first sentence of Section 3.1(a) hereof, as the case may be, is the owner of all of the right, title and
interest in and to the Citi Marks and all goodwill associated therewith throughout the world and acknowledges the validity of the Citi Marks and of all trademark and service mark registrations and applications of each member of the Citigroup
Affiliated Group pertaining thereto. Primerica agrees that it shall, and shall use commercially reasonable efforts to cause each Designated Primerica Sublicensee to, uphold the goodwill inherent in the Citi Marks and to assist Citigroup at
Citigroup’s expense to protect the rights of Citigroup and the other members of the Citigroup Affiliated Group therein. All use of the Citi Marks by Primerica and all Designated Primerica Sublicensees (including all past, present and future
use), and the goodwill generated thereby, shall inure to the benefit of Citigroup and shall not vest in Primerica or in any Designated Primerica Sublicensee. Primerica shall not, directly or indirectly, contest or challenge the validity or
enforceability of the Citi Marks and/or Citigroup’s ownership thereof. To the extent that Primerica or any Designated Primerica Sublicensee is deemed to have any ownership rights in the Citi Marks, at Citigroup’s written request, Primerica
shall, and shall cause each such Designated Primerica Sublicensee to, assign such rights to Citigroup or to a member of the Citigroup Affiliated Group designated by Citigroup. 
 (b) Citigroup acknowledges and agrees that Primerica, and/or such other Subsidiary of Primerica referred to in the first
sentence of Section 3.1(f) hereof, as the case may be, is the owner of all of the right, title and interest in and to the Primerica Marks and all goodwill associated therewith throughout the world and acknowledges the validity of the
Primerica Marks and of all trademark and service mark registrations and applications of Primerica and its Subsidiaries pertaining thereto. Citigroup agrees that it shall, and shall use commercially reasonable efforts to cause each Designated
Citigroup Sublicensee to, uphold the goodwill inherent in the Primerica Marks and to assist Primerica at Primerica’s expense to protect the rights of Primerica and its Subsidiaries therein. All use of the Primerica Marks by Citigroup and all
Designated Citigroup Sublicensees (including all past, present and future use), and the goodwill generated thereby, shall inure to the benefit of Primerica and shall not vest in Citigroup or in any Designated Citigroup Sublicensee. Citigroup shall
not, directly or indirectly, contest or challenge the validity or enforceability of the Primerica Marks and/or Primerica’s ownership thereof. To the extent that Citigroup or any Designated Citigroup Sublicensee is deemed to have any ownership
rights in the Primerica Marks, at Primerica’s written request, Citigroup shall, and shall cause each such Designated Citigroup Sublicensee to, assign such rights to Primerica or to such other Subsidiary of Primerica designated by Primerica.

  

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 Section 3.4 Termination of Trademark Licenses. 
 (a) The Citi License granted pursuant to this Article III shall automatically expire (subject to earlier termination
in accordance with Section 3.4(b) hereof) upon the earlier to occur of the date (i) on which Primerica and the Designated Primerica Sublicensees cease use of all the Citi Marks with no intent to resume use (for which Primerica shall
notify Citigroup in writing as soon as reasonably practicable thereafter) or (ii) that is six (6) months after the completion of the Initial Public Offering; provided, however, that notwithstanding anything in this Agreement
to the contrary, (y) the Primerica Independent Contractor Representatives may continue to use the Citi Marks for up to one (1) year after the completion of the Initial Public Offering; provided, further, that Primerica and
its Subsidiaries shall use commercially reasonable efforts to cause each Primerica Independent Contractor Representative to cease use of all Citi Marks as soon as possible following the completion of the Initial Public Offering and (z) the Citi
License will be extended as and to the extent required by applicable law or regulation or for Primerica and its Subsidiaries to comply with any applicable contractual commitments existing as of the date hereof, as set forth on Schedule
3.4(a). Without limiting the generality of the foregoing, if Citi identifies any use of the Citi Marks by a Primerica Independent Contractor Representative following the date that is one year after the completion of the Initial Public Offering,
Citi shall notify Primerica of such use and Primerica and its Subsidiaries shall use commercially reasonable efforts to cause such Primerica Independent Contractor Representatives to cease such use of the Citi Marks as soon as possible. Any failure
by a Primerica Independent Contractor Representative to cease such use within 90 days of Primerica’s receipt of notice thereof shall be deemed a breach by Primerica of this Section 3.4. 
 (b) Citigroup shall have the right to terminate the Citi License with regard to a particular business unit of Primerica or a
particular Designated Primerica Sublicensee at any time if such business unit of Primerica or such Designated Primerica Sublicensee has materially breached any term or provision of this Article III, and in either case Primerica or such
Designated Primerica Sublicensee (as the case may be) has not (i) taken reasonable steps to cure such non-compliance within 60 days of Primerica’s receipt of written notice of such non-compliance or (ii) cured such non-compliance
within a commercially reasonable period of time following the 60 day period; provided, that such time periods shall be extended if necessary to obtain required regulatory approvals. 
 (c) The Primerica License granted pursuant to this Article III shall automatically expire (subject to earlier
termination in accordance with Section 3.4(d) hereof) upon the earlier to occur of the date (i) on which Citigroup and the Designated Citigroup Sublicensees cease use of all the Primerica Marks with no intent to resume use (for
which Citigroup shall notify Primerica in writing as soon as reasonably practicable thereafter), or (ii) that is six (6) months after the completion of the Initial Public Offering; provided, however, that notwithstanding
anything in this Agreement to the contrary, the Primerica License will be extended as and to the extent required by applicable law or regulation or for Citigroup to comply with any applicable contractual commitments existing as of the date hereof,
as set forth on Schedule 3.4(c). Without limiting the generality of the foregoing, any use of the Primerica Marks by a Designated Citigroup Sublicensee following the date that is six (6) months after the completion of the Initial Public
Offering shall be deemed a breach by Citigroup of this Section 3.4. 
  

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 (d) Primerica shall have the right to terminate the Primerica License with
regard to a particular business unit of Citigroup or with regard to a particular Designated Citigroup Sublicensee at any time if such business unit of Citigroup or such Designated Citigroup Sublicensee has materially breached any term or provision
of this Article III, and in either case Citigroup or such Designated Citigroup Sublicensee (as the case may be) has not (i) taken reasonable steps to cure such non-compliance within 60 days of Citigroup’s receipt of written notice
of such non-compliance or (ii) cured such non-compliance within a commercially reasonable period of time following the 60 day period; provided that such time periods shall be extended if necessary to obtain required regulatory approvals.

 Section 3.5 Use After Termination. 
 (a) Upon the termination (but not the expiration) of the Citi License, Primerica shall, (i) and shall cause each of its
Subsidiaries to, subject to the provisions of Section 3.4(a) hereof, discontinue all uses of the Citi Marks within 60 days, (ii) notify the Primerica Independent Contractor Representatives that they are required to discontinue all
uses of the Citi Marks within sixty (60) days in accordance with the terms of Primerica’s agent agreements and policies and (iii) use commercially reasonable efforts to ensure that such Primerica Independent Contractor Representatives
have so ceased using the Citi Marks; provided, that any failure of the Primerica Independent Contractor Representatives to so cease use of the Citi Marks within one hundred twenty (120) days following any such termination shall be deemed a
breach by Primerica of this Section 3.5(a). 
 (b) Upon the termination (but not the expiration) of
the Primerica License, Citigroup shall, and shall cause each of the Designated Citigroup Sublicensees to, subject to the provisions of Section 3.4(c) hereof, discontinue all uses of the Primerica Marks within 60 days. 
 Section 3.6 Trademark Usage Marking Requirements and Quality Control. 
 (a) Citigroup shall have the right to periodically inspect and evaluate the products and services of Primerica or any
Designated Primerica Sublicensee bearing the Citi Marks. Upon request by Citigroup, no more than twice per year (unless reasonably justified under the circumstances), Primerica shall deliver to Citigroup samples of such use. In addition, if
Primerica or any Designated Primerica Sublicensee creates any new material following the date hereof that bear the Citi Marks and that are materially different from the materials created prior to the date hereof, Primerica shall, prior to the
distribution of any such materials, present such materials to Citigroup for Citigroup’s review and approval, not to be unreasonably withheld, conditioned or delayed. 
 (b) Primerica shall have the right to periodically inspect and evaluate the products and services of Citigroup or any
Designated Citigroup Sublicensee bearing the Primerica Marks. Upon request by Primerica, no more than twice per year (unless reasonably justified under the circumstances), Citigroup shall deliver to Primerica samples of such use. In addition, in the
event that Citigroup or any Designated Citigroup Sublicensee creates any new

  

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material following the date hereof that bear the Primerica Marks and that are materially different from the materials created prior to the date hereof, Citigroup shall, prior to the distribution
of any such materials, present such materials to Primerica for Primerica’s review and approval, not to be unreasonably withheld, conditioned or delayed. 
 Section 3.7 Disclaimers of Representations and Warranties. 
 (a) CITIGROUP, ON ITS OWN BEHALF AND ON BEHALF OF THE CITIGROUP AFFILIATED GROUP, HEREBY SPECIFICALLY DISCLAIMS ANY AND ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED (INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, VALIDITY, REGISTRABILITY OR NON-INFRINGEMENT AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE), REGARDING THE CITI MARKS. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, PRIMERICA ACKNOWLEDGES THAT
THE LICENSES GRANTED IN THIS AGREEMENT (INCLUDING THOSE GRANTED IN THIS ARTICLE III) AND THE CITI MARKS ARE PROVIDED “AS IS.” 
 (b) PRIMERICA, ON ITS OWN BEHALF AND ON BEHALF OF ITS SUBSIDIARIES, HEREBY SPECIFICALLY DISCLAIMS ANY AND ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED (INCLUDING ANY IMPLIED WARRANTY OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, VALIDITY, REGISTRABILITY OR NON-INFRINGEMENT AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE), REGARDING THE PRIMERICA MARKS. WITHOUT LIMITING THE GENERALITY OF THE
FOREGOING, CITIGROUP ACKNOWLEDGES THAT THE LICENSES GRANTED IN THIS AGREEMENT (INCLUDING THOSE GRANTED IN THIS ARTICLE III) AND THE PRIMERICA MARKS ARE PROVIDED “AS IS.” 
 ARTICLE IV 
 EQUITY PURCHASE RIGHTS 
 Section 4.1 Equity Purchase Rights. The members of the Citigroup Affiliated Group shall have the equity purchase rights set
forth in this Section 4.1 (the “Equity Purchase Rights”), so long as the exercise of such Equity Purchase Rights is necessary in order to permit the members of the Citigroup Affiliated Group to continue to account for
their investment in Primerica using the equity method of accounting; provided, that the members of the Citigroup Affiliated Group shall not be entitled to Equity Purchase Rights to the extent that the principal national securities exchange in
the United States on which the Common Stock is listed, if any, prohibits or limits the granting by Primerica of such Equity Purchase Rights. 
 As soon as practicable after determining to issue Equity Purchase Shares, but in any event at least five Business Days prior to the issuance of Equity Purchase Shares to any

  

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Person, other than to a member of the Citigroup Affiliated Group (and other than Equity Purchase Shares issued (i) under dividend reinvestment plans which offer Voting Stock to security
holders at a discount from Average Market Price (as defined below) no greater than is then customary for public corporations, (ii) pursuant to the Transactions, (iii) in mergers, acquisitions and exchange offers, (iv) pursuant to its
equity incentive plans, (v) in connection with third party transactions otherwise permitted by the Primerica Charter to be consummated without the prior written consent of Citigroup or (vi) pursuant to any provision of the Securities
Purchase Agreement), Primerica shall notify Citigroup in writing of such proposed sale (which notice shall specify, to the extent practicable, the purchase price for, and terms and conditions of, such Equity Purchase Shares) and shall offer to sell
to Citigroup (which offer may be assigned by Citigroup to another member of the Citigroup Affiliated Group) at the purchase price (net of any underwriting discounts or commissions), if any, to be paid by the transferee(s) of such Equity Purchase
Shares an amount of Equity Purchase Shares determined as provided below. Immediately after the amount of Equity Purchase Shares to be sold to other Persons is known to Primerica, it shall notify Citigroup (or such assignee) of such amount. If such
offer is accepted in writing within five Business Days after the notice of such proposed sale (or such longer period as is necessary for the members of the Citigroup Affiliated Group to obtain regulatory approvals), Primerica shall sell to such
member of the Citigroup Affiliated Group an amount of Equity Purchase Shares (the “Equity Purchase Share Amount”) equal to the minimum amount reasonably determined by such member of the Citigroup Affiliated Group as is necessary to
maintain equity method accounting for the Citigroup Affiliated Group. If Primerica determines in good faith that, in light of the advice of an investment banking firm advising it or of its other financial advisors, it must consummate the issuance
and sale of the Equity Purchase Shares prior to the members of the Citigroup Affiliated Group having obtained the necessary regulatory approvals, Primerica shall notify Citigroup in writing of such determination and shall then be free so to
consummate such issuance and sale without the members of the Citigroup Affiliated Group having the right then to purchase the number of such Equity Purchase Shares reasonably determined by such member of the Citigroup Affiliated Group as is
necessary to maintain equity method accounting for the Citigroup Affiliated Group; provided, however, that in such event the members of the Citigroup Affiliated Group shall have the right to purchase from Primerica, within 60 Business
Days (or such longer period (up to two years) as is necessary for the members of the Citigroup Affiliated Group to obtain regulatory approvals) Voting Stock in an amount equal to the amount of Voting Stock it would have received had it been able to
purchase (and, in the case of Equity Purchase Shares other than Voting Stock, securities exercisable or exchangeable for or convertible into Voting Stock) the Equity Purchase Shares offered to it pursuant to this Section 4.1, at a per
share purchase price equal to the Average Market Price per share of Voting Stock and, if there is no Average Market Price, the Fair Market Value per share of Voting Stock, in each case, at the time of such purchase by the members of the Citigroup
Affiliated Group. 
 The purchase and sale of any Equity Purchase Shares pursuant to this Section 4.1 shall take
place at 9:00 a.m. on the latest of (i) the fifth Business Day following the acceptance of such offer, (ii) the Business Day on which such Equity Purchase Shares are issued to Persons other than the members of the Citigroup Affiliated
Group and (iii) the fifth Business Day following the expiration of any required governmental or other regulatory waiting periods or the obtaining of any required governmental or other regulatory consents or approvals, at the offices

  

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of Citigroup indicated in Section 9.1 hereof, or at such other time and place in New York City as Citigroup and Primerica shall agree. At the time of purchase, Primerica shall deliver
to Citigroup (or such assignee) certificates (or, in the event that Primerica issues securities to a third party in an uncertificated form, other evidence of ownership) registered in the name of the appropriate members of the Citigroup Affiliated
Group representing the shares purchased and the members of the Citigroup Affiliated Group shall transfer to Primerica the purchase price in United States dollars by bank check or wire transfer of immediately available funds, as specified by
Primerica, to an account designated by Primerica not less than five Business Days prior to the date of purchase. Primerica and the members of the Citigroup Affiliated Group will use their best efforts to comply as soon as practicable with all
federal and state laws and regulations and stock exchange listing requirements applicable to any purchase and sale of securities under this Section 4.1. 
 As used herein, “Average Market Price” of any security on any date means the average of the daily closing prices for the 10 consecutive trading days selected by Primerica commencing not
less than 20 trading days nor more than 30 trading days before the day in question. The closing price for each day shall be the last reported sales price regular way or, in case no such reported sale takes place on such day, the average of the
reported closing bid and asked prices regular way, in either case on the New York Stock Exchange or, if such security is not listed or admitted to trading on such exchange, on the principal national securities exchange on which such security is
listed or admitted to trading or, if not listed or admitted to trading on any national securities exchange, on the Nasdaq Stock Market, or, if such security is not listed or admitted to trading on any national securities exchange or quoted on such
stock market, the average of the closing bid and asked prices in the over-the-counter market as furnished by any New York Stock Exchange member firm selected from time to time by Primerica for that purpose. For the purpose of this definition, the
term “trading day” means each Monday, Tuesday, Wednesday, Thursday and Friday, other than any day on which securities are not traded on such exchange or in such market. 
 ARTICLE V 
 FINANCIAL AND OTHER INFORMATION 
 Section 5.1 Five Percent Threshold. Primerica agrees that after the Second Trigger Date and until the Third Trigger Date,
Primerica shall: 
 (a) furnish to Citigroup as soon as publicly available, copies of all financial statements,
reports, notices and proxy statements sent by Primerica in a general mailing to all its stockholders, of all annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K and of all final prospectuses filed pursuant to
Rule 424 under the Securities Act; and 
 (b) at Citigroup’s expense, permit Citigroup or any member of the
Citigroup Affiliated Group to visit and inspect any of the properties, corporate books, and financial and

  

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other records of Primerica and its Subsidiaries, and to discuss the affairs, finances and accounts of any such entities with the appropriate personnel of such entities and the Primerica Auditors
(as defined below), in each case, at reasonable times and during normal business hours as often as Citigroup or any member of the Citigroup Affiliated Group may reasonably request. 
 Section 5.2 Twenty Percent Threshold. Primerica agrees that after the First Trigger Date and until the Second Trigger Date, or
during any period in which any member of the Citigroup Affiliated Group is required to account for its investment in Primerica under the equity method of accounting (determined in accordance with GAAP consistently applied after consultation with the
Citigroup Auditors): 
 (a) Public Information and SEC Reports. Primerica and each of its Subsidiaries
which files information with the SEC shall deliver to Citigroup (to the attention of Michael Zuckert, Deputy General Counsel and Managing Director, and Reza Shah, Head of Citi Reinsurance and Monitoring (or their successors)) in final form, all
reports, notices and proxy and information statements to be sent or made available by Primerica or any of its Subsidiaries to their security holders and all regular, periodic and other reports filed under Sections 13, 14 and 15 of the Exchange Act
(including annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K and Annual Reports to Shareholders), and all registration statements and prospectuses to be filed by Primerica or any of its Subsidiaries with the
SEC or any securities exchange pursuant to the listed company manual (or similar requirements) of such exchange (collectively, “Primerica Public Documents”). Primerica shall also deliver to Citigroup, in final form, copies of all
press releases and other statements made available by Primerica or any of its Subsidiaries to the public, including information concerning material developments in the business, properties, results of operations, financial condition or prospects of
Primerica or any of its Subsidiaries. No report, registration, information or proxy statement, prospectus or other document which refers, or contains information with respect, to any member of the Citigroup Affiliated Group shall be filed with the
SEC or otherwise made public by Primerica or any of its Subsidiaries without the prior written consent of Citigroup with respect to those portions of such document which contain information with respect to any member of the Citigroup Affiliated
Group, except as may be required by law, rule or regulation (in such cases, Primerica shall use its best efforts to notify the relevant member of the Citigroup Affiliated Group and obtain such member’s prior written consent before making such
filing with the SEC or otherwise making any such information public). 
 (b) Access. Primerica shall, at
Citigroup’s expense, permit Citigroup or any member of the Citigroup Affiliated Group to visit and inspect any of the properties, corporate books, and financial and other records of Primerica and its Subsidiaries, and to discuss the affairs,
finances and accounts of any such entities with the appropriate personnel of such entities and the Primerica Auditors (as defined below), in each case, at reasonable times and during normal business hours as often as Citigroup or any member of the
Citigroup Affiliated Group may reasonably request. 
  

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 (c) Other Financial Information. Primerica shall provide to Citigroup
or any member of the Citigroup Affiliated Group upon Citigroup’s or such member’s request, in a format prescribed by Primerica, such other financial information and analyses as Citigroup may reasonably request on behalf of any member of
the Citigroup Affiliated Group in order to analyze the financial statements and condition of Primerica and its Subsidiaries. As soon as practicable and, in any event, within 20 days after the end of each month, Primerica shall provide to Citigroup
the unaudited consolidated statement of operations of Primerica and its Subsidiaries for the prior month, to the extent that such consolidated statement of operations are prepared for Primerica’s internal use. 
 (d) Maintenance of Books and Records. Primerica shall, and shall cause each of its consolidated Subsidiaries to comply
with Section 13(b)(2)(b) of the Exchange Act. Primerica shall, and shall cause each of its consolidated Subsidiaries to, use good faith efforts to ensure that their internal controls over financial reporting are effective and use good faith
efforts to ensure that there are no material weaknesses in their internal controls over financial reporting. Primerica shall, and shall cause each of its consolidated Subsidiaries, to establish and maintain “disclosure controls and
procedures” (as defined in Rules 13a–15(e) and 15d–15(e) of the Exchange Act) (a) required in order for the co-Chief Executive Officers and Chief Financial Officer of Primerica to engage in the review and evaluation process
mandated by Section 302 of the Sarbanes–Oxley Act of 2002 and (b) that are reasonably designed to ensure that information required to be disclosed by Primerica in the reports that it files or submits under the Exchange Act is
recorded, processed, summarized and reported within the time periods specified in the rules and forms of the SEC, and that all such information is accumulated and communicated to Primerica’s management as appropriate to allow timely decisions
regarding required disclosure. 
 (e) Budgets and Projections. Primerica shall, as promptly as
practicable, deliver to Citigroup copies of annual budgets and financial projections, in a format prescribed by Primerica, relating to Primerica or any of its Subsidiaries, and shall provide Citigroup an opportunity to meet with management of
Primerica to discuss such budgets and projections at Citigroup’s expense. 
 Section 5.3 Fifty Percent
Threshold. Primerica agrees that until the First Trigger Date (or during any period in which, notwithstanding the percentage of voting stock of Primerica owned, any member of the Citigroup Affiliated Group is required, in accordance with GAAP,
to consolidate Primerica’s financial statements with its financial statements): 
 (a) Fiscal Year.
Primerica shall, and shall cause each of its consolidated Subsidiaries to, maintain a fiscal year which commences on January 1 and ends on December 31 of each calendar year; provided that, if on the date hereof any consolidated
Subsidiary of Primerica has a fiscal year which ends on a date other than December 31, Primerica shall use its good faith efforts to cause such Subsidiary to change its fiscal year to one which ends on December 31 if such change is
reasonably practical. 
  

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 (b) Maintenance of Books and Records. Primerica shall, and shall
cause each of its consolidated Subsidiaries to comply with Section 13(b)(2) of the Exchange Act. Primerica shall, and shall cause each of its consolidated Subsidiaries to, use good faith efforts to ensure that their internal controls over
financial reporting are effective and use good faith efforts to ensure that there are no material weaknesses in their internal controls over financial reporting. Primerica shall, and shall cause each of its consolidated Subsidiaries, to establish
and maintain “disclosure controls and procedures” (as defined in Rules 13a–15(e) and 15d–15(e) of the Exchange Act) (a) required in order for the co-Chief Executive Officers and Chief Financial Officer of Primerica to engage
in the review and evaluation process mandated by Section 302 of the Sarbanes–Oxley Act of 2002 and (b) that are reasonably designed to ensure that information required to be disclosed by Primerica in the reports that it files or
submits under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in the rules and forms of the SEC, and that all such information is accumulated and communicated to Primerica’s management as
appropriate to allow timely decisions regarding required disclosure. 
 (c) Summary Monthly Financial
Information. As soon as practicable, and within five Business Days after the end of each month in each fiscal year of Primerica, Primerica shall deliver to Citigroup a summary of consolidated net income (loss) and consolidated pre-tax income
(loss) for Primerica and its Subsidiaries for such month and the year-to-date period. 
 (d) Detailed Monthly
Financial Information. As soon as practicable, and within fifteen Business Days after the end of each month in each fiscal year of Primerica, Primerica shall deliver to Citigroup information that is substantially consistent with that presently
provided in the “Controllables Package.” 
 (e) Unaudited Quarterly Financial Statements. As
soon as practicable, but in any event, not later than 5 days prior to the date on which Citigroup is required to file its quarterly reports on Form 10-Q for the first three fiscal quarters in each fiscal year of Citigroup, Primerica shall deliver to
Citigroup drafts of (i) the consolidated financial statements of Primerica and its Subsidiaries (and notes thereto) for such periods and for the period from the beginning of the current fiscal year to the end of such quarter, setting forth in
each case in comparative form for each such fiscal quarter of Primerica the consolidated figures (and notes thereto) for the corresponding quarter and periods of the previous fiscal year and all in reasonable detail and prepared in accordance with
Article 10 of Regulation S-X and (ii) a discussion and analysis by management of Primerica’s and its Subsidiaries’ financial condition and results of operations for such fiscal period, including an explanation of any material adverse
change, all in reasonable detail and prepared in accordance with Item 303(b) of Regulation S-K. The information set forth in clauses (i) and (ii) above is herein referred to as the “Quarterly Financial Statements.”
Primerica shall deliver to Citigroup all revisions to such drafts as soon as any such revisions are prepared or made. Primerica shall deliver to Citigroup the final form of the Quarterly Financial Statements certified by the chief financial officer
of

  

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Primerica as presenting fairly, in all material respects, the financial condition and results of operations of Primerica and its consolidated Subsidiaries, pursuant to Section 5.3(h).

 (f) Audited Annual Financial Information. As soon as is practicable, but in any event, not later than
10 days prior to the date on which Citigroup is required to file its annual report on Form 10-K, Primerica shall deliver to Citigroup (i) drafts of (a) the consolidated financial statements of Primerica (and notes thereto) for such year,
setting forth in each case in comparative form the consolidated figures (and notes thereto) for the previous fiscal year and all in reasonable detail and prepared in accordance with Regulation S-X and (b) a discussion and analysis by management
of Primerica’s consolidated financial condition and results of operations for such year, including an explanation of any material adverse change, all in reasonable detail and prepared in accordance with Item 303(a) of Regulation S-K and
(ii) a draft of a discussion and analysis of Primerica’s consolidated financial condition and results of operations for such year, including an explanation of any material adverse change, all in reasonable detail and prepared in accordance
with Item 303(a) of Regulation S-K,. The information set forth in (i) and (ii) above is herein referred to as the “Annual Financial Statements.” Primerica shall deliver to Citigroup all material revisions to such
drafts as soon as any such material revisions are prepared or made. Primerica shall deliver to Citigroup, in final form, the Annual Financial Statements accompanied by an opinion thereon by Primerica’s independent certified public accountants,
pursuant to Section 5.3(h). 
 (g) General Financial Statement Requirements. All financial
information required by Citigroup’s monthly close, provided by Primerica or any of its Subsidiaries to Citigroup, shall be consistent in terms of timing, format and detail and otherwise with the procedures and practices in effect on the date
hereof with respect to the provision of such financial and other information by Primerica and its Subsidiaries to Citigroup (and where appropriate, as presently presented in financial and other reports delivered to the Board of Directors of
Citigroup), with such changes therein as may be reasonably requested by Citigroup from time to time, unless changes in such procedures or practices are required in order to comply with the rules and regulations of the SEC, as applicable. 

(h) Public Information and SEC Reports. Primerica and each of its Subsidiaries which files information with the SEC
shall deliver to Citigroup (to the attention of Michael Zuckert, Deputy General Counsel and Managing Director, and Reza Shah, Head of Citi Reinsurance and Monitoring (or their successors)) as soon as the same are substantially final, drafts of all
reports, notices and proxy and information statements to be sent or made available by Primerica or any of its Subsidiaries to their security holders and all regular, periodic and other reports filed under Sections 13, 14 and 15 of the Exchange Act
(including annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K and Annual Reports to Shareholders), and all registration statements and prospectuses to be filed by Primerica or any of its Subsidiaries with the
SEC or any securities exchange pursuant to the listed company manual (or similar requirements) of such exchange (collectively, “Primerica Public Documents”), but in no event later than two Business Days in the case of any current
report on Form 8-K, five Business Days in the case of any annual report on Form 10-K or

  

 20 

 
quarterly report on Form 10-Q or 10 Business Days in the case of any other such filing, prior to the filing thereof with the SEC, and, no later than the date the same are printed, filed or
publicly disseminated, whichever is earliest, final copies of all Primerica Public Documents. Prior to issuance, Primerica shall deliver to Citigroup copies of all press releases and other statements containing financial information to be made
available by Primerica or any of its Subsidiaries to the public, including information concerning material developments in the business, properties, results of operations, financial condition or prospects of Primerica or any of its Subsidiaries. No
report, registration, information or proxy statement, prospectus or other document which refers, or contains information with respect, to any member of the Citigroup Affiliated Group shall be filed with the SEC or otherwise made public by Primerica
or any of its Subsidiaries without the prior written consent of Citigroup with respect to those portions of such document which contain information with respect to any member of the Citigroup Affiliated Group, except as may be required by law, rule
or regulation (in such cases, Primerica shall use its best efforts to notify the relevant member of the Citigroup Affiliated Group and obtain such member’s prior written consent before making such filing with the SEC or otherwise making any
such information public). 
 (i) Budgets and Projections. Primerica shall deliver to Citigroup copies of
annual and other budgets and financial projections (consistent in terms of format and detail and otherwise with the procedures in effect on the date hereof) relating to Primerica or any of its Subsidiaries and shall provide Citigroup an opportunity
to meet with management of Primerica to discuss such budgets and projections. 
 (j) Other Financial
Information. With reasonable promptness, Primerica shall deliver to Citigroup such additional financial and other information and data with respect to Primerica and its Subsidiaries and their business, properties, financial position, results of
operations and prospects as from time to time may be reasonably requested by Citigroup. 
 (k) Earnings
Releases. Citigroup agrees that, unless required by law, rule or regulation or unless Primerica shall have consented thereto in writing, no member of the Citigroup Affiliated Group will publicly release any quarterly, annual or other financial
information of Primerica or any of its Subsidiaries (“Primerica Information”) delivered to Citigroup pursuant to this Section 5.3 prior to the time that Citigroup publicly releases financial information of Citigroup for
the relevant period. If any member of the Citigroup Affiliated Group is required by law to publicly release such Primerica Information prior to the public release of Citigroup’s financial information, Citigroup will give Primerica notice of
such release of Primerica Information as soon as practicable, but no later than two days prior to such release of Primerica Information. 
 (l) Quarterly and Annual Statements Furnished to State Insurance Regulatory Authorities. Primerica shall deliver, in final form, Quarterly or Annual Statements filed by Primerica or any Subsidiary
of Primerica with any and all state insurance regulatory authorities in each jurisdiction in which such reports are required to be filed. 
  

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 (m) Primerica Selection of Auditor. Subject to the requirements of
all applicable laws, rules, regulations and stock exchange listing standards, (i) if Primerica is to submit to a vote of its stockholders the election, approval or ratification of the selection of its firm of independent certified public
accountants pursuant to Schedule 14A under the Exchange Act, Primerica shall so submit to such a vote such accounting firm as is designated by Citigroup, and (ii) if Primerica does not so submit a firm of accountants to such a vote, Primerica
shall cause its independent certified public accountants to be such accounting firm as is designated, from time to time, by Citigroup. 
 (n) Coordination of Auditors’ Opinions. Primerica will use good faith efforts to enable its independent certified public accountants (the “Primerica Auditors”) to complete
their audit such that they will date their opinion on Primerica’s Annual Financial Statements on the same date that Citigroup’s independent certified public accountants (the “Citigroup Auditors”) date their opinion on
Citigroup’s audited annual financial statements and its Annual Reports to Shareholders (collectively “the Citigroup Annual Statements”), and to enable Citigroup to meet its timetable for the printing, filing and public dissemination
of the Citigroup Annual Statements. 
 (o) Cooperation. Each of Citigroup and Primerica will provide to
the other party on a timely basis all information that such other party (including any member of the Citigroup Affiliated Group or any Subsidiary of Primerica) reasonably requires to meet its schedule for the printing, filing and public
dissemination of its Public Filings. In this respect, Citigroup or Primerica, as the case may be, will provide all required financial information with respect to it and its consolidated subsidiaries to the other party’s auditors and management
in a sufficient and reasonable time and in sufficient detail to permit such auditors to take all steps and perform all review necessary to provide sufficient assistance to such auditors with respect to information to be included or contained in the
Public Filings, such assistance to such auditors to be in conformity with current and past practices. 
 (p)
Access to Personnel and Working Papers. Primerica will authorize the Primerica Auditors to make available to the Citigroup Auditors, at Citigroup’s expense, both the personnel who performed or are performing the annual audit of Primerica
and, consistent with customary professional practice and courtesy of such auditors with respect to the furnishing of work papers, work papers related to the annual audit of Primerica, in all cases within a reasonable time after the Primerica
Auditors’ opinion date, so that the Citigroup Auditors are able to perform the procedures they consider necessary or appropriate to take responsibility for the work of the Primerica Auditors as it relates to the Citigroup Auditors’ report
on the Citigroup Annual Statements, all within sufficient time to enable Citigroup to meet its timetable for the printing, filing and public dissemination of the Citigroup Annual Statements. 
 (q) Internal Auditors. Primerica shall provide Citigroup’s internal auditors or other representatives of
Citigroup access to Primerica’s and its Subsidiaries’ books and records so that Citigroup may conduct reasonable audits relating to the financial statements provided by

  

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Primerica pursuant to Sections 5.3(c)-(h) hereof, inclusive, as well as to the internal accounting controls and operations of Primerica and its Subsidiaries. 
 (r) Accounting Estimates and Principles. Primerica will give Citigroup reasonable notice of any proposed significant
change in accounting estimates or material changes in accounting principles from those in effect on the date hereof, excluding changes that are mandated or required by the SEC, the Financial Accounting Standards Board or the American Institute of
Certified Public Accountants, that could affect both Primerica or Citigroup. In this connection, Primerica will consult with Citigroup and, if requested by Citigroup, Primerica will consult with its independent public accountants with respect
thereto. As to material changes in accounting principles which could affect Primerica or Citigroup, Primerica will not make any such changes without Citigroup’s prior written consent, excluding changes that are mandated or required by the SEC,
the Financial Accounting Standards Board or the American Institute of Certified Public Accountants, if such a change would be sufficiently material to be required to be disclosed in Primerica’s financial statements as filed with the SEC or
otherwise publicly disclosed therein. 
 (s) Management Certification. Primerica’s chief financial or
accounting officer shall submit a quarterly representation in the form prescribed by Citigroup attesting to the accuracy and completeness of the financial and accounting records referred to therein in all material respects. In addition,
Primerica’s chief financial or accounting officer shall submit a quarterly representation in the form prescribed by Citigroup attesting to the design and operation of its internal controls over financial reporting. 
 (t) Accountants’ Reports and Letters. Promptly, but in no event later than five Business Days following receipt
thereof, Primerica shall deliver to Citigroup copies of all reports and letters submitted to Primerica or any of its Subsidiaries by their independent certified public accountants, including each report or letter submitted to Primerica or any of its
Subsidiaries concerning its accounting practices and systems or internal controls and any comment letter submitted to management in connection with their annual audit and all responses by management to such reports and letters. 
 Section 5.4 Attorney Client Privilege. The provision of any information pursuant to this Article V shall not be deemed a
waiver of any privilege, including privileges arising under or related to the attorney-client privilege (a “Privilege”). Neither Primerica nor its Subsidiaries will be required to provide any information pursuant to Sections
5.1 through and including Section 5.3 hereof if the provision of such information would serve as a waiver of any Privilege afforded such information. 
  

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 ARTICLE VI 
 INDEMNIFICATION 
 Section 6.1 General Cross Indemnification

 (a) Subject to the terms of the Related Agreements, Citigroup agrees to indemnify and hold harmless Primerica
and its Subsidiaries and each of the officers, directors, employees and agents of Primerica and its Subsidiaries against any and all costs and expenses arising out of claims (including attorneys’ fees, interest, penalties and costs of
investigation or preparation for defense), judgments, fines, losses, claims, damages, liabilities, demands, assessments and amounts paid in settlement (collectively, “Losses”), in each case, based on, arising out of, resulting from
or in connection with any third party claim, action, cause of action, suit, proceeding or investigation, whether civil, criminal, administrative, investigative or other (collectively, “Actions”), based on, arising out of, pertaining
to or in connection with (i) any breach by Citigroup of this Agreement or any other agreement between Primerica and its Subsidiaries, on the one hand, and any member of the Citigroup Affiliated Group, on the other hand, (ii) the ownership
or the operation of the assets or properties (other than capital stock of Primerica and its Subsidiaries), and the operation or conduct of the business of, including contracts entered into by, the members of the Citigroup Affiliated Group, whether
before, on or after the date hereof (all determinations hereunder to be made after giving effect to the Reorganization), (iii) any claim that the Citi Marks licensed to and used by Primerica and the Designated Primerica Sublicensees within the
scope of the Citi License infringe upon a third party’s intellectual property rights, (iv) any activity, action or inaction on the part of any member of the Citigroup Affiliated Group or any of their officers, directors, employees,
Affiliates acting as such (other than Primerica or any of its Subsidiaries acting as such), fiduciaries or agents, other than any activity, action or inaction for which Primerica is obligated to indemnify and hold harmless the members of the
Citigroup Affiliated Group and the officers, directors, employees and agents of the members of the Citigroup Affiliated Group pursuant to clause (iii) of Section 6.1(b), (v) Primerica’s use of the software set forth on
Schedule 6.1(a) in Primerica’s business prior to the First Trigger Date, solely to the extent that such use (A) was made pursuant to an agreement entered into by a member of the Citigroup Affiliated Group, (B) required by any
member of the Citigroup Affiliated Group, (C) was in accordance with the applicable Citigroup Affiliated Group agreement and all then-current Citigroup Affiliated Group policies and procedures, requirements, restrictions, directions or
instructions and (D) did not involve any modification or customization of applicable software that was not approved in advance by Citigroup or (vi) any third party claim by an employee or former employee of Primerica or any of its
Subsidiaries with respect to actions taken by Primerica prior to the First Trigger Date to the extent such actions are required by the employment policies of the Citigroup Affiliated Group. 
 (b) Subject to the terms of the Related Agreements, Primerica agrees to indemnify and hold harmless each member of the
Citigroup Affiliated Group and each of the officers, directors, employees and agents of each member of the Citigroup Affiliated Group against any and all Losses, in each case, based on, arising out of, resulting from or in connection with any
Actions, based on, arising out of, pertaining to or in connection with (i) any activity, action or inaction on the part of Primerica or any of its Subsidiaries or any of their officers, directors, employees, Affiliates acting as such (other
than a member of the Citigroup Affiliated Group acting as such), fiduciaries or agents, other than any activity, action or inaction for which Citigroup is obligated to indemnify and hold harmless Primerica and its Subsidiaries and the officers,
directors, employees and agents of Primerica and its Subsidiaries pursuant to clause (ii) of Section 6.1(a), (ii) any breach by Primerica of this Agreement or by Primerica or

  

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any of its Subsidiaries of any other agreement between Primerica or any of its Subsidiaries, on the one hand, and any member of the Citigroup Affiliated Group, on the other hand, (iii) the
ownership or the operation of the assets or properties, and the operation or conduct of the business of, including contracts entered into by, Primerica and its Subsidiaries, whether before, on or after the date hereof (all determinations hereunder
to be made after giving effect to the Reorganization), (iv) any claim that the Primerica Marks licensed to and used by Citigroup and the Designated Citigroup Sublicensees within the scope of the Primerica License infringe upon a third
party’s intellectual property rights, (v) any Keepwell, (vi) any communication, whether oral or written, by Primerica to any employee of Primerica with respect to the subject matter set forth in Section 7.5 of this
Agreement (other than any communication from, or made at the written request of, any member of the Citigroup Affiliated Group) or (vii) any claim by any employee or former employee of Primerica or any of its Subsidiaries or Independent
Contractor Representative or former Independent Contractor Representative relating to the conversion of outstanding Citigroup equity compensation awards pursuant to Section 7.5(b) of this Agreement. Notwithstanding anything in this
Agreement to the contrary, Primerica shall have no indemnification obligations to any member of the Citigroup Affiliated Group under this Section 6.1(b) in connection with any Action brought solely by any Investor Indemnitee (as defined
in the Securities Purchase Agreement) against Citigroup or CIHC under the Securities Purchase Agreement. 
 (c)
The indemnity agreement contained in Sections 6.1(a) and (b) shall be applicable whether or not any Action or the facts or transactions giving rise to such Action arose prior to, on or subsequent to the date hereof. 
 Section 6.2 Procedure. If any Action shall be brought against any Person entitled to indemnification pursuant to this Article
VI (each such Person, an “Indemnitee”) in respect of which indemnity may be sought against Citigroup or Primerica (in each case, an “Indemnifying Party”), such Indemnitee shall promptly notify the Indemnifying
Party, and the Indemnifying Party shall assume the defense thereof, including the employment of counsel and payment of all fees and expenses. Such Indemnitee shall have the right to employ separate counsel in any such action, suit or proceeding and
to participate in the defense thereof, but the fees and expenses of such counsel shall be at the expense of such Person unless (i) the Indemnifying Party has agreed in writing to pay such fees and expenses, (ii) the Indemnifying Party has
failed to assume the defense and employ counsel, or (iii) the named parties to an Action (including any impleaded parties) include both the Indemnitee and the Indemnifying Party and such Indemnitee shall have been advised by its counsel that
representation of such Indemnitee and the Indemnifying Party by the same counsel would be inappropriate under applicable standards of professional conduct (whether or not such representation by the same counsel has been proposed) due to actual or
potential differing interests between them (in which case the Indemnifying Party shall not have the right to assume the defense of such Action on behalf of such Indemnitee). It is understood, however, that the Indemnifying Party shall, in connection
with any one such Action or separate but substantially similar or related Actions in the same jurisdiction arising out of the same general allegations or circumstances, be liable for the reasonable fees and expenses of only one separate firm of
attorneys (in addition to any local counsel) at any time for all such indemnified persons not having actual or potential differing interests among themselves, and that all such fees and expenses shall be reimbursed as they are incurred. The
Indemnifying Party shall not be

  

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liable for any settlement of any such Action effected without its prior written consent, but if settled with such prior written consent, or if there be a final judgment for the plaintiff in any
such Action, the Indemnifying Party agrees to indemnify and hold harmless each Indemnitee, to the extent provided in this Article VI, from and against any Losses by reason of such settlement or judgment. Notwithstanding anything to the
contrary in this Section 6.2, but subject to the last sentence of this Section 6.2, within the 30-day period after which an Indemnitee shall have notified an Indemnifying Party of an Action for which it is entitled to
indemnification from the Indemnifying Party, such Indemnitee shall have the right to take over the defense of such Action which such Indemnifying Party shall have undertaken to defend; provided that in the event that such Indemnitee exercises
its right to take over the defense of such Action, then the Indemnitee irrevocably and unconditionally waives any right to indemnification by the Indemnifying Party with respect to such Action; provided, further that the Indemnitee
unconditionally releases the Indemnifying Party from all liabilities that are the subject matter of such Action as part of any settlement of such Action. Notwithstanding anything to the contrary in this Section 6.2, no Indemnitee shall
have any right to participate in or take over the defense of any Action subject to indemnification pursuant to Section 6.1(a)(iii) or Section 6.1(b)(iv) hereof. 
 Section 6.3 Other Matters. 
 (a) No indemnifying party shall, without the prior written consent of the indemnified party, effect any settlement of any pending or threatened Action in respect of which any indemnified party is or could
have been a party and indemnity could have been sought hereunder by such indemnified party, unless such settlement includes an unconditional release of such indemnified party from all liability on claims that are the subject matter of such Action.

 (b) Any Losses for which an indemnified party is entitled to indemnification or contribution under this
Article VI shall be paid by the indemnifying party to the indemnified party as such Losses are incurred. The indemnity and contribution agreements contained in this Article VI shall remain operative and in full force and effect,
regardless of any (i) investigation made by or on behalf of any Indemnitee, Primerica, its directors or officers, or any person controlling Primerica, and (ii) termination of this Agreement. 
 (c) Citigroup shall (and shall cause each other member of the Citigroup Affiliated Group to), on the one hand, and Primerica
shall (and shall cause each of its Subsidiaries to), on the other hand, cooperate with each other in a reasonable manner with respect to access to unprivileged information and similar matters in connection with any Action. The provisions of this
Article VI are for the benefit of, and are intended to create third party beneficiary rights in favor of, each of the indemnified parties referred to herein. 
 (d) Nothing in this Article VI shall alter or mitigate any of the rights of any of the directors or officers of
Citigroup or Primerica or any other indemnified party to indemnification under the certificate of incorporation or bylaws of Primerica, Citigroup or any of their respective Affiliates, or under any agreement. 
  

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 Section 6.4 Exclusivity of Tax Separation Agreement. Notwithstanding anything
herein to the contrary, this Article VI shall not apply to Tax (as defined in the Tax Separation Agreement) matters, which shall be governed exclusively by the Tax Separation Agreement. 
 Section 6.5 Registration Statement Indemnification. 
 (a) Primerica agrees to indemnify and hold harmless each member of the Citigroup Affiliated Group and each person, if any,
who controls any of the foregoing within the meaning of Section 15 of the Securities Act or Section 20 of the Exchange Act (collectively, the “Registration Indemnitees”) from and against any and all Losses based on,
arising out of, resulting from or in connection with any Action based on, arising out of, pertaining to or in connection with any untrue statement or alleged untrue statement of a material fact contained in any Registration Statement or Prospectus,
or based on, arising out of, pertaining to or in connection with any omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading, except insofar as such
Losses are based on, arise out of, pertain to or are in connection with any untrue statement or omission or alleged untrue statement or omission which has been made therein or omitted therefrom in reliance upon and in conformity with
(i) information relating to a Registration Indemnitee furnished in writing to Primerica by or on behalf of such Registration Indemnitee expressly for use in the Registration Statement or Prospectus (all of which information is set forth on
Schedule I hereto), and (ii) information relating to any underwriter furnished in writing to Primerica or any of its Subsidiaries by or on behalf of such underwriter expressly for use in the Registration Statement or Prospectus. Notwithstanding
anything in this Agreement to the contrary, Primerica shall have no indemnification or contribution obligations to any member of the Citigroup Affiliated Group under this Section 6.5 and Section 6.6 of this Agreement in
connection with any Action brought solely by any Investor Indemnitee against Citigroup or CIHC under the Securities Purchase Agreement. 
 (b) Each Registration Indemnitee agrees, severally and not jointly, to indemnify and hold harmless Primerica and its Subsidiaries and any of their respective directors or officers who sign any
Registration Statement, and any person who controls Primerica within the meaning of Section 15 of the Securities Act or Section 20 of the Exchange Act, to the same extent as the foregoing indemnity from Primerica to each Registration
Indemnitee, but only with respect to information relating to such Registration Indemnitee furnished in writing to Primerica by or on behalf of such Registration Indemnitee expressly for use in the Registration Statement or Prospectus (all of which
information is set forth on Schedule I hereto). For purposes of this Section 6.5(b), any information relating to any underwriter that is contained in a Registration Statement or Prospectus shall not be deemed to be information relating
to a Registration Indemnitee. If any Action shall be brought against Primerica, any of its directors, any such officer, or any such controlling person based on any Registration Statement or Prospectus and in respect of which indemnity may be sought
against a Registration Indemnitee pursuant to this Section 6.5(b), such Registration Indemnitee shall have the rights and duties given to Primerica by Section 6.2 hereof (except that if Primerica shall have assumed the
defense thereof such Registration Indemnitee shall not be required to do so, but may employ separate counsel therefor and participate in the defense thereof, but the fees and expenses of

  

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such counsel shall be at such Registration Indemnitee’s expense), and Primerica, its directors, any such officer and any such controlling person shall have the rights and duties given to
such Registration Indemnitee by Section 6.2 hereof. 
 Section 6.6 Contribution. 
 (a) If the indemnification provided for in this Article VI is unavailable to an indemnified party under
Section 6.5 hereof in respect of any Losses referred to therein, then an indemnifying party, in lieu of indemnifying such indemnified party, shall contribute to the amount paid or payable by such indemnified party as a result of such
Losses (i) in such proportion as is appropriate to reflect the relative benefits received by Primerica, on the one hand, and the applicable Registration Indemnitee, on the other hand, from the offering of the securities covered by such
Registration Statement and Prospectus, or (ii) if the allocation provided by clause (i) above is not permitted by applicable law, in such proportion as is appropriate to reflect not only the relative benefits referred to in clause
(i) above but also the relative fault of Primerica, on the one hand, and the applicable Registration Indemnitee, on the other hand, in connection with the statements or omissions that resulted in such Losses, as well as any other relevant
equitable considerations. The relative benefits received by Primerica, on the one hand, and a Registration Indemnitee, on the other hand, shall be deemed to be in the same proportion as the total net proceeds from the applicable securities offering
(before deducting expenses) received by Primerica bear to the total net proceeds from such offering (before deducting expenses) received by such Registration Indemnitee. The relative fault of Primerica, on the one hand, and the applicable
Registration Indemnitee, on the other hand, shall be determined by reference to, among other things, whether the untrue or alleged untrue statement of a material fact or the omission or alleged omission to state a material fact relates to
information supplied by Primerica, on the one hand, or by such Registration Indemnitee, on the other hand, and the parties’ relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission.

 (b) Primerica and each Registration Indemnitee agree that it would not be just and equitable if contribution
pursuant to this Section 6.6 were determined by a pro rata allocation or by any other method of allocation that does not take account of the equitable considerations referred to in Section 6.6(a) above. The amount paid or
payable by an indemnified party as a result of the Losses referred to in Section 6.6(a) above shall be deemed to include, subject to the limitations set forth above, any legal or other expenses reasonably incurred by such indemnified
party in connection with investigating any claim or defending any such Action. Notwithstanding the provisions of this Section 6.6, a Registration Indemnitee shall not be required to contribute any amount in excess of the amount by which
the proceeds to such Registration Indemnitee exceeds the amount of any damages which such Registration Indemnitee has otherwise been required to pay by reason of such untrue or alleged untrue statement or omission or alleged omission. No person
guilty of fraudulent misrepresentation (within the meaning of Section 11(f) of the Securities Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation. 
  

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 ARTICLE VII 
 OTHER PROVISIONS 
 Section 7.1 Keepwell Release and Payments.

 (a) On or prior to the date hereof or as soon as practicable hereafter, except as contemplated by the
Reinsurance Agreements, Primerica shall (with the reasonable cooperation of the applicable member of the Citigroup Affiliated Group) use its commercially reasonable efforts to have any member of the Citigroup Affiliated Group released as guarantor
of, or obligor for, any Keepwell. 
 (b) To the extent required to obtain a release from a Keepwell of any member
of the Citigroup Affiliated Group, Primerica shall execute a guaranty agreement in the form of the existing guaranty. 
 (c) Primerica shall indemnify and hold harmless the applicable member of the Citigroup Affiliated Group for any Loss arising from or relating to any Keepwell (in accordance with the provisions of Article VI) and Primerica, shall or
shall cause one of its Subsidiaries, as agent or subcontractor for such member, to, pay, perform and discharge fully all the obligations or other liabilities of such member thereunder. 
 Section 7.2 Software. 
 (a) Grant of License from Citigroup to Primerica. Citigroup hereby grants, or Citigroup shall cause the applicable member of the Citigroup Affiliated Group to hereby grant, Primerica a
non-exclusive, perpetual, irrevocable (subject to the termination rights specified below), sublicensable to any Subsidiary of Primerica, royalty-free, unlimited license to use for Primerica’s own internal business purposes the Citigroup
Proprietary Software. Citigroup and Primerica hereby acknowledge and agree that (i) Schedule 7.2(a) shall specify the process by which copies of the listed software will be copied, as well as the process for, and timing of, the transfer
of such copy of the listed software from Citigroup and/or the applicable other members of the Citigroup Affiliated Group to Primerica or its applicable Subsidiaries, and (ii) the incremental costs associated with the creation or transfer of any
such copies shall accrue to Primerica or its applicable Subsidiaries. The software licensed to Primerica pursuant to this Section 7.2(a) shall be kept confidential by Primerica and its Subsidiaries pursuant to Section 9.8.
Citigroup and Primerica further acknowledge and agree that THE CITIGROUP PROPRIETARY SOFTWARE LICENSED PURSUANT TO THIS SECTION 7.2(A) IS BEING PROVIDED “AS IS.” CITIGROUP SPECIFICALLY DISCLAIMS ANY AND ALL REPRESENTATIONS AND
WARRANTIES, EXPRESS OR IMPLIED (INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE), REGARDING THE CITIGROUP
PROPRIETARY SOFTWARE. Except as expressly set forth in the Transition Services Agreement, neither Citigroup nor any member of the Citigroup Affiliated Group shall have any support or maintenance obligations with respect to the Citigroup Proprietary
Software

  

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licensed pursuant to this Section 7.2(a). Notwithstanding anything herein to the contrary, the foregoing license shall automatically terminate (x) with respect to any Subsidiary
of Primerica at such time as it ceases to be a Subsidiary of Primerica and (y) at such time as a majority of the Voting Stock of Primerica is owned by any Citigroup Competitor. The license granted under this Section 7.2(a) will
include both the source code and object code of the licensed software. 
 (b) Domain Names, Hardware and Third
Party Software. Citigroup shall, and shall cause any other applicable members of the Citigroup Affiliated Group to, assign to Primerica or its Subsidiaries (i) the third-party computer software licenses, the domain names and the hardware
set forth on Schedule 7.2(b) and (ii) any other third party computer software licenses, domain names and hardware, in each case, that is (x) owned by a member of the Citigroup Affiliated Group, (y) used or held for use
exclusively in connection with the Primerica Business and (z) identified in writing to Citigroup by Primerica within six (6) months after the completion of the Initial Public Offering; provided, that (A) no member of the
Citigroup Affiliated Group shall have any obligation to assign to Primerica or its Subsidiaries any domain name incorporating any trademark owned by any member of the Citigroup Affiliated Group (after giving effect to the Exchange Agreement),
(B) all arrangements for the assignment of software licenses shall be subject to consent of the applicable licensor and the terms of the applicable license agreement, and (C) the foregoing shall not require Citigroup to assign any license
agreements used by any member of the Citigroup Affiliated Group. All out-of-pocket third party costs associated with any assignments made pursuant to this Section 7.2(b) shall accrue to and be paid by Primerica. If Primerica or any of
the Primerica Designated Sublicensees has, prior to the completion of the Initial Public Offering, registered, either directly or through the Citigroup Affiliated Group, any domain name incorporating a mark owned by any member of the Citigroup
Affiliated Group (after giving effect to the Exchange Agreement), Primerica shall, and shall cause the Primerica Designated Sublicensees to assign such domain name to Citigroup or one of its Subsidiaries, as soon as it or a Primerica Designated
Sublicensee becomes aware of such domain name. The Citigroup Affiliated Group shall maintain the registration of any domain names incorporating both a mark owned by any member of the Citigroup Affiliated Group (after giving effect to the Exchange
Agreement) and a mark owned by Primerica or any of the Primerica Designated Sublicensees, with an industry-recognized registry operator for at least three (3) years following the completion of the Initial Public Offering. Primerica shall, and
shall cause the Primerica Designated Sublicensees to, cooperate with Citigroup at Citigroup’s request to effect all such assignments. 
 Section 7.3 Non-Competition. 
 (a) Except as otherwise
contemplated by this Agreement, and subject to the following provisions of this Section 7.3, until the earlier of (x) the third anniversary of the date hereof and (y) the Second Trigger Date, Citigroup shall not, and shall
cause the members of the Citigroup Affiliated Group not to, engage in the Distribution of term life insurance products (the “Products”) through Independent Contractor Representatives in the Region (the “Restricted
Business”). 
  

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 (b) Without in any way implying that such activities would otherwise have
been restricted hereby, nothing in this Section 7.3 shall prevent or restrict Citigroup or any of its Affiliates from: 
 (i) Distributing Products other than through Independent Contractor Representatives in the Region; 
 (ii) underwriting, issuing, or administering any insurance, annuity, credit, financial or other products or funds; 
 (iii) conducting or engaging in any business activity of any kind that does not constitute part of the Restricted Business,
including (A) lending, financing and other banking activities (including originating, purchasing, selling, brokering or securitizing any loans (including mortgage loans and consumer loans) or debt securities), (B) proprietary and
third-party portfolio investment, asset management, cash and liquidity management, treasury and trade services, merchant banking and fund and fund services activities, (C) issuing, offering, trading or underwriting all wholesale financial or
structured products (including retail products distributed through intermediaries), including, by way of example, any derivatives, commodities or securities trading or underwriting, securities services and brokerage activities, (D) all
wholesale businesses, including, by way of example, advisory, investment banking, corporate brokerage and commercial banking and venture capital activities, (E) all real estate activities, (F) entering into arrangements with a view to or
otherwise providing any services and/or products (including white labeling, outsourcings and other technology based solutions) to or via or in cooperation with banks (including retail banks and postal or giro banks), other companies or state
entities, (G) the provision of private banking and wealth management products and services, (H) issuing and servicing cards, card products and card payment products, including through cobranding operations with retail vendors, card
portfolio acquisitions or direct mail, as well as providing card acquiring services to merchants and sponsorship into card associations and (I) custodial, trust, agent or fiduciary services (in the case of clauses (A) through (I), the
foregoing activities or services shall include activities or services on behalf, in respect or for the account, of any Person conducting or engaging in the Restricted Business); 
 (iv) insuring (whether by self-insurance, reinsurance, captive arrangements or otherwise) the risks of, and issuing bonds
related to, the business and operations of Citigroup or any of its Affiliates; 
 (v) owning, acquiring or
acquiring control of, in any manner, any Person or assets (a “Target Business”) that includes or include operations the conduct of which by any member of the Citigroup Affiliated Group would otherwise be deemed to be a Restricted
Business (a “Competitive Business”) so long as in the case of a Target

  

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Business which (A) has financial statements prepared in accordance with GAAP, the net revenues (i.e., revenues disregarding benefits and changes in reserves, interest credited to
customers and extraordinary items) derived by the Target Business from the Competitive Business, excluding realized gains, based on an average of the most recently completed three (3) fiscal years preceding such acquisition, constituted less
than twenty five percent (25%) of such net revenues of the Target Business, or (B) does not have financial statements prepared in accordance with GAAP, the net revenues (or the applicable equivalent thereof) (disregarding benefits and
changes in reserves, interest credited to customers and extraordinary items) derived by the Target Business from the Competitive Business, excluding realized gains, based on an average of the most recently completed three (3) fiscal years
preceding such acquisition, constituted less than twenty five percent (25%) of such net revenues of the Target Business; it being hereby understood that in the case of a permitted acquisition of a Competitive Business in accordance with the
foregoing clauses (A) or (B), Citigroup can distribute the Target Business’ products so acquired through any distribution channels; 
 (vi) owning, acquiring or holding at any time, directly or indirectly, less than ten percent (10%) of any class of stock or other equity securities of a Person engaged, directly or indirectly, in a
Restricted Business; 
 (vii) conducting or engaging in any reinsurance business of any kind or nature, including
the business contemplated by the Reinsurance Agreements; 
 (viii) engaging, or owning or controlling any Person
that engages, in a Restricted Business after such time as Primerica or its Subsidiaries no longer are engaged in such Restricted Business to any significant extent; 
 (ix) Distributing insurance products to existing customers of members of the Citigroup Affiliated Group; 
 (x) continuing existing activities conducted by the members of the Citigroup Affiliated Group; or 
 (xi) engaging, or seeking to engage, in any commercial dealings with Primerica or any of its Affiliates on mutually agreeable
terms. 
 (c) Nothing in this Section 7.3 shall apply to any Affiliate of Citigroup that is held as
part of ordinary course merchant banking, acquisition or investment activities by an investment vehicle or fund in which any of Citigroup’s Affiliates (including Citigroup Venture Capital International, Citigroup Private Equity or Citigroup
Alternative Investments) is an investor, investment adviser or manager or for which any of Citigroup’s Affiliates acts in any

  

 32 

 
fiduciary capacity, or as part of ordinary course asset management activities of any pension or other benefit plan of Citigroup or any of its Affiliates. 
 (d) Each of the parties agrees that the covenants contained in this Section 7.3 are reasonable with respect to
duration, geographical area and scope. If any provision of this Section 7.3 is found not to be enforceable in accordance with its terms because of the duration of such provision, the geographic area or the scope of activities covered
thereby, the parties agree that the judge or other authority making such determination will have the power to reduce the duration, the geographic area or scope of such provision, and in its reduced form such provision shall be enforceable.

 Section 7.4 Non-Solicitation; Non-Hire. 
 (a) For a period of two years following the completion of the Initial Public Offering, no member of the Citigroup Affiliated
Group, on the one hand, or any of Primerica or any of its Subsidiaries, on the other hand, will, without the prior written consent of the other party, either directly or indirectly, on their own behalf or in the service or on behalf of others,
solicit or hire, or attempt to solicit or hire, any person employed by the other party whose aggregate annualized cash compensation for the prior calendar year exceeds $200,000, (the “Restricted Employees”); provided, that
the foregoing will not (i) prevent either party from soliciting or hiring any such person after the termination of such employee’s employment by their respective employer unless specifically prohibited by such employee’s agreement, if
any, with a member of the Citigroup Affiliated Group or Primerica and its Subsidiaries or (ii) prohibit either party from placing public advertisements or conducting any other form of general solicitation which is not specifically targeted
towards the Restricted Employees, so long as such Restricted Employee is not hired by such party conducting the general solicitation for employees. 
 (b) For a period of two years following the completion of the Initial Public Offering, no member of the Citigroup Affiliated Group shall intentionally engage in any targeted solicitation of
Primerica’s Independent Contractor Representatives for any purpose. 
 (c) Following the completion of the
Initial Public Offering, the parties hereby agree that in no event will any member of the Citigroup Affiliated Group intentionally use any Prime Re customer list or customer database existing as of the date hereof for purposes of marketing any
products or services to such customers. With respect to Primerica customers of Citicorp Trust Bank (“CTB”) referred to CTB by a Primerica representative, any restrictions on solicitation of such customers shall be governed by that
certain [agreement] entered into by and between Primerica and CTB, dated as of [    ], 2010. Subject to the requirements of this Section 7.4(c), following the completion of the Initial Public Offering, if Primerica
reasonably believes that any Primerica customer list or customer database is being used by a member of the Citigroup Affiliated Group for marketing purposes, Primerica will promptly notify Citigroup, and the parties will use good faith efforts to
conduct an investigation and take corrective action, if appropriate. 
  

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 Section 7.5 Employee Benefits. 
 (a) Citigroup shall allow Continuing Employees to participate in employee benefit plans maintained by the Citigroup
Affiliated Group to the extent set forth in the Transition Services Agreement and in accordance with the provisions thereof. In addition, Citigroup shall allow all current and former employees of Primerica located in the United States who are
receiving long-term disability benefits under the long-term disability plans and policies of the Citigroup Affiliated Group as of the end of the period (the “TSA Period”) participation in the disability plans maintained by the
Citigroup Affiliated Group contemplated by the Transaction Documents (whether such disability was incurred prior to, on, or following the completion of the Initial Public Offering), and all employees of Primerica in the United States who are
receiving short-term disability benefits under the plans and policies of the Citigroup Affiliated Group as of the end of the TSA Period and who are ultimately approved for long-term disability benefits, to continue to receive long-term disability
benefits in accordance with the terms of the plans and policies of the Citigroup Affiliated Group, and Primerica shall not be liable for the premium for Citi’s MetLife long-term disability plan or for the long-term disability benefit payments
while employees are on an approved long-term disability other than as set forth in the Transition Services Agreement. 
 (b) The parties hereto agree that as of the date of the completion of the Initial Public Offering, (x) the outstanding Citigroup equity compensation awards as set forth on Schedule 7.5(b) shall be cancelled and
(y) Primerica shall cause such awards to be replaced by awards under the Primerica, Inc. 2010 Omnibus Incentive Plan (the “Plan”), in each case, in accordance with the provisions set forth on Schedule 7.5(b). 

(c) As soon as practicable following the completion of the Initial Public Offering, Primerica shall establish a qualified
defined contribution savings plan (the “Primerica Savings Plan”) and a related trust intended to qualify under Section 401(a) and Section 501(a) of the Internal Revenue Code of 1986, as amended (the
“Code”), for the benefit of the Continuing Employees who participated in the Citigroup 401(k) Plan immediately prior to the completion of the Initial Public Offering (the “Primerica Savings Plan Participants”). All
Primerica Savings Plan Participants shall be eligible to participate in the Primerica Savings Plan as of the date of its establishment. Notwithstanding the generality of the foregoing, Primerica shall cause the Primerica Savings Plan to
(A) provide the optional forms of benefit required to be preserved by Section 411(d)(6) of the Code and (B) recognize the service of each Continuing Employee with Citigroup Affiliated Group prior to the completion of the Initial
Public Offering. 
 (d) Nothing contained in this Section 7.5 shall be construed to limit the ability
of any member of the Citigroup Affiliated Group to amend, modify or terminate any plan specified in Sections 7.5(a) or (b) hereof, consistent with the terms of such plan, as determined in such member’s sole discretion.

  

 34 

 (e) Nothing contained in this Section 7.5 or the Transition
Services Agreement shall be construed to limit the ability of Primerica to amend, modify or terminate any employee benefit or compensation plan or program, consistent with the terms of such plan or program, as determined in Primerica’s sole
discretion. 
 (f) Nothing in this Section 7.5 or the Transition Services Agreement shall (i) be
treated as an amendment to any employee benefit plan maintained by any member of the Citigroup Affiliated Group or Primerica or any of its Subsidiaries, (ii) obligate the members of the Citigroup Affiliated Group or Primerica or its
Subsidiaries to (A) maintain any particular benefit plan or arrangement or (B) retain the employment of any particular employee or (iii) provide any Primerica Employees or any other individual associated therewith (including
Primerica’s Independent Contractor Representatives) with any rights as third party beneficiaries of this Agreement. 
 (g) Primerica and Citigroup shall provide each other with such records and information, and shall cooperate, as may be necessary or appropriate to carry out their obligations under this
Section 7.5 and Section 2.1 of the Transition Services Agreement. Schedule 7.5(g) shall set forth a list of Primerica employees as of the date hereof and Primerica shall update Schedule 7.5(g) hereto periodically as
reasonably required by Citigroup to carry out its obligations under this Section 7.5 and under the Transition Services Agreement and provide such updated Schedule 7.5(g) to Citigroup. 
 Section 7.6 Form S-8. To the extent necessary to enable the unrestricted transfer of the applicable shares of Common Stock, as
soon as practicable following the completion of the Initial Public Offering, Primerica shall file, and cause to remain effective, a registration statement on Form S-8 (or such other applicable form) with the SEC to register the shares of Common
Stock that may be acquired by employees of Primerica pursuant to Primerica’s employee stock or option plans. 
 Section 7.7 Right of First Offer. For a period of two years following the completion of the Initial Public Offering, Citigroup shall have a right of first offer to provide Primerica or its Subsidiaries with any financial or
advisory services, including investment banking and underwriting services, that it does not currently provide to Primerica and its Subsidiaries, upon such terms and conditions and at such rates as prevailing in the market at the time such services
are provided. During the period set forth in the preceding sentence, not less than five Business Days prior to entering into an agreement or arrangement with a party other than Citigroup for the provision of financial or advisory services, Primerica
shall, or shall cause its Subsidiaries to, present Citigroup, in writing, with the opportunity to provide such financial or advisory services. From the date of receipt of such notice, Citigroup shall have five Business Days to deliver an offer
capable of being accepted for the provision of such financial or advisory services. If an offer is delivered by Citigroup within such five Business Day period, Primerica may either accept or reject the offer; provided, however, that if
Primerica rejects the offer it may not enter an agreement with another party (other than Citigroup) to provide such services on substantially the same terms and conditions and at substantially the same rates (or on less favorable terms or at more
expensive rates) as reflected in the offer for the remaining term of this Section 7.7, unless a

  

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subsequent offer has been delivered to Citigroup in accordance with this Section 7.7. If no such offer is delivered by Citigroup within such five Business Day period, Primerica shall
be free to enter into an agreement with another entity for the provision of such financial or advisory services and Citigroup shall have no further rights pursuant to this Section 7.7 with respect to such financial or advisory services.
Notwithstanding anything to the contrary in this Agreement, (a) Citigroup shall not have a right to offer to provide financial services or advisory services if Citigroup does not, at the time that Primerica seeks a service, provide such service
to third parties who are not Affiliates of Citigroup in the ordinary course of Citigroup’s business, or otherwise with such frequency as is customary in the market for such financial or advisory service, or if Primerica makes a good-faith
determination that Citigroup is unable to provide any applicable service with an equal or greater level of quality as a third party could provide; and (b) any engagement between Citigroup and Primerica and its Subsidiaries shall not be
exclusive, and Primerica and its Subsidiaries shall at all times have the right to hire and employ other service providers, banks, agents and any other person to provide a service in the same capacity as Citigroup, with respect to such service.

 Section 7.8 Compliance with Provisions. Primerica covenants to cause each of its present and future direct and
indirect Subsidiaries to take any and all actions necessary to ensure continued compliance by Primerica and its Subsidiaries with the provisions of the Primerica Charter and this Agreement. Primerica shall notify Citigroup in writing as soon as
possible after becoming aware of any act or activity taken or proposed to be taken by Primerica or any of its Subsidiaries which resulted or would result in non-compliance with any provision of the Primerica Charter or this Agreement and shall take
or refrain from taking all such actions as Citigroup shall in its sole discretion determine necessary or desirable to prevent or remedy any such non-compliance. 
 Section 7.9 Access to Shared Historical Records; Information Arising from Affiliate Relationship. For a period of one year following the First Trigger Date, Citigroup and Primerica will retain
the right to access any records, information or documents which exist resulting from Citigroup’s and Primerica’s relationship as Affiliates, or any other shared or commingled historical records. Upon reasonable notice and at each
party’s own expense, Citigroup (and its authorized representatives) and Primerica (and its authorized representatives) will be afforded access to such records at reasonable times and during normal business hours and each party (and its
authorized representatives) will be permitted, at its own expense, to make abstracts from, or copies of, any such records; provided, access to such records may be denied if (i) Citigroup or Primerica, as the case may be, cannot demonstrate a
legitimate business need for such access to the records, (ii) the information contained in the records is subject to any applicable confidentiality commitment to a third party, (iii) a bona fide competitive reason exists to deny such
access, (iv) the records are to be used for the initiation of, or as part of, a suit or claim against the other party, (v) such access would serve as a waiver of any Privilege afforded to such record, and (vi) such access will
unreasonably disrupt the normal operations of Citigroup or Primerica, as the case may be. Notwithstanding anything in this Agreement to the contrary, the retention of and access to records, information or documents related to the tax matters of
Primerica and Citigroup will be governed exclusively by the Tax Separation Agreement. 
 Section 7.10 Promotional
Agreements. All mutual promotional arrangements existing on the date hereof shall remain in full force and effect until the First Trigger Date. Following the 
  

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First Trigger Date, additional, mutual promotional arrangements shall be entered into only upon the mutual agreement of the parties hereto. 
 Section 7.11 Joint Internet Marketing. Until the First Trigger Date, Citigroup and Primerica agree to review and discuss the
applicability of any arrangements in existence as of the date hereof whereby Citigroup and Primerica jointly market their products and services on the Internet; provided, that such review and discussion shall at all times take into
consideration commercially reasonable standards relating to such businesses. Following the First Trigger Date, such joint Internet marketing arrangements shall be entered into only upon the mutual agreement of the parties. 
 Section 7.12 Litigation and Settlement Cooperation. Prior to the Second Trigger Date, each of Citigroup and Primerica will keep
each other informed of any threatened or filed third-party action, claim or dispute (except for any third-party action, claim or dispute alleging infringement or other violation of or by any trademarks owned by any member of the Citigroup Affiliate
Group or by Primerica or one of its Subsidiaries) (“Third-Party Action”) against a member of the Citigroup Affiliated Group, or Primerica (the “Primary Litigant”) or one of its Subsidiaries in which the other party
(the “Secondary Litigant”) is named by the third party. If the Secondary Litigant wishes to participate in the settlement of the Third-Party Action, the Secondary Litigant will be responsible for a portion of any such settlement
obligation and any incremental cost (as mutually agreed by the Primary Litigant and the Secondary Litigant). If it is determined by the Primary Litigant and the Secondary Litigant that the Secondary Litigant is only named in the Third-Party Action
because of its relationship with the Primary Litigant (as current or former Affiliate), then the Primary Litigant will bear all costs and settlement obligations. The parties agree to cooperate in the defense and settlement of any Third-Party Action
which primarily relates to matters, actions, events or occurrences taking place prior to the Second Trigger Date. Prior to the Second Trigger Date, both Primerica and Citigroup will use their reasonable best efforts to (i) make the necessary
filings to permit each party to defend its own interests in any Third-Party Action and (ii) cooperate with one another to ensure that information that has been generated in the course of the defense of the Third-Party Actions is transferred to
the party requiring such information as soon as practicable. 
 Section 7.13 Compliance. Primerica hereby covenants
that so long as Citigroup is deemed to control Primerica for bank regulatory purposes, without the prior written consent of Citigroup, Primerica shall not take any action or fail to take any action that, to the Knowledge of Primerica, would result
in Citigroup being in non-compliance with the BHC Act or any other bank regulatory law, rule, regulation, guidance, order or directive, and Primerica hereby agrees to correct such action taken or inaction whether taken (or not taken)
knowingly or unknowingly. 
 Section 7.14 Policies and Procedures. 
 (a) Prior to the First Trigger Date, Primerica hereby covenants, and to cause each of its Subsidiaries, to follow all
policies and procedures applicable to any other member of the Citigroup Affiliated Group. 
  

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 (b) Primerica and Citigroup hereby agree that upon and following the First
Trigger Date, Primerica shall be permitted to develop its own internal policies and procedures, including compliance-related policies and procedures, so long as such policies and procedures or compliance therewith would not cause Citigroup to be in
non-compliance with the BHC Act or any other applicable law, rule, regulation, guidance, order or directive; provided, however, that prior to the Second Trigger Date, Primerica shall deliver any proposed internal compliance policies or
procedures (which shall be deemed to include all policies which could materially impact Citigroup’s compliance with the BHC Act or any other applicable law, rule, regulation, guidance, order or directive), or any material amendment,
modification or supplement to its existing internal compliance policies or procedures, to Citigroup, and shall give Citigroup a reasonable opportunity to review and comment on such proposed internal compliance policies or procedures, or any material
amendment, modification or supplement thereto, prior to its adoption or implementation. 
 (c) Any proposed
internal policies, procedures or other communications provided for in this Section 7.l4 shall be delivered (i) if to Citigroup: [contact] and (ii) if to Primerica: [contact]. 
 Section 7.15 Intercompany Accounts. All intercompany receivables, payables and loans (other than receivables, payables and loans
otherwise specifically provided for under this Agreement or the Continuing Agreements, including payables created or required hereby) between any member of the Citigroup Affiliated Group, on the one hand, and Primerica or any of its Subsidiaries, on
the other hand, which exist and are reflected in the accounting records of the relevant parties as of the completion of the Initial Public Offering shall, on or prior to the completion of the Initial Public Offering, be settled, by means of cash
payments, a dividend, capital contribution, a combination of the foregoing or otherwise, as determined by Citigroup. Primerica shall be permitted, in its discretion (subject to the reasonable consent of Citigroup), to settle prior to the completion
of the Initial Public Offering, by means of cash payments, dividends, capital contributions, a combination of the foregoing or otherwise, all or any portion of the intercompany receivables, payables and loans among Primerica and its Subsidiaries,
which exist and are reflected in the accounting records of the relevant parties. 
 Section 7.16 Termination of
Intercompany Agreements. 
 (a) Neither Primerica nor any of it Subsidiaries, on the one hand, and the
members of the Citigroup Affiliated Group, on the other hand, shall be liable to the other based upon, arising out of or resulting from any contract, arrangement, course of dealing or understanding existing on or prior to the date hereof (other than
this Agreement or the Continuing Agreements), and each party hereby terminates any and all contracts, arrangements, course of dealings or understandings between or among any member of the Citigroup Affiliated Group, on the one hand, and Primerica or
any of its Subsidiaries, on the other hand, effective as of the date hereof (other than this Agreement or the Continuing Agreements), and any liability, whether or not in writing, which is not reflected in this Agreement or the Continuing
Agreements, is hereby irrevocably cancelled, released, discharged and waived. No such terminated contract, arrangement, course of dealing or understanding (including any provision

  

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thereof which purports to survive termination) shall be of any further force or effect after the date hereof. 
 (b) The provisions of Section 7.16(a) shall not apply to any agreements, arrangements, commitments or
understandings to which any Person other than the parties and their respective Affiliates is a party. 
 Section 7.17
Citigroup Control Rights. 
 (a) Until the First Trigger Date, Primerica shall not, without the prior
written consent of Citigroup, permit any of the following to occur: 
 (i) any change in any of the co-Chief
Executive Officers, the Chief Financial Officer, the Chief Operating Officer, the General Counsel or the President of Primerica, or other then Named Executive Officers (as defined under Item 402(a) of Regulation S-K) of Primerica, except in the
case of death, disability, resignation, retirement, disqualification or removal for cause (as defined in the Plan) or for breach of an employment agreement; provided, however, that Citigroup shall maintain its right to consent to any
replacement thereof; or 
 (ii) the nomination or removal of the members of the Board of Directors of Primerica
or any committee of the Board of Directors of Primerica, the establishment of any committee of the Board of Directors of Primerica, and the filling of newly created membership and vacancies on the Board of Directors of Primerica or any committees of
the Board of Directors of Primerica. 
 (b) Until the Second Trigger Date, Primerica shall not, without the prior
written consent of Citigroup, permit any of the following to occur: 
 (i) any consolidation or merger of
Primerica or any Subsidiary of Primerica with or into any Person or of any Person with or into Primerica or any Subsidiary of Primerica (other than a merger or consolidation with or into a Subsidiary of Primerica), other than to acquire one hundred
percent (100%) of the equity ownership of another entity or to dispose of one hundred percent (100%) of the equity ownership of one of the Subsidiaries of Primerica, in each case, involving consideration (as determined in good faith by a
majority of the Board of Directors of Primerica) not exceeding $50 million; 
 (ii) entry into or consummation of
any sale, lease, exchange or other disposition or any acquisition (by way of merger or consolidation, acquisition of stock, other securities or assets, or otherwise) or investment, in each case, by Primerica or any

  

 39 

 
Subsidiary of Primerica, directly or indirectly, in a single transaction, or a series of related transactions valued in the aggregate, involving consideration (as determined in good faith by a
majority of the Board of Directors of Primerica) in excess of $50 million, other than transactions between Primerica and its Subsidiaries; 
 (iii) any increase or decrease in the authorized capital stock of Primerica or the creation of any class or series of capital stock of Primerica; 
 (iv) any issuance or sale by Primerica or any Subsidiary of Primerica of any shares of its respective capital stock or any
options, warrants or rights to acquire such capital stock or securities convertible into or exchangeable for capital stock or the adoption by Primerica or any Subsidiary of Primerica of any equity incentive plan (other than any equity incentive plan
adopted in the ordinary course of business), except (a) the issuance of shares of capital stock by a Subsidiary of Primerica to Primerica or another of its Subsidiaries of Primerica, (b) in connection with the Initial Public Offering and
the related transactions, including any issuance of securities upon the conversion or exercise of the Warrant, or in exchange for any of such securities, or the exercise of any right of the Investor (as defined in the Securities Purchase Agreement)
set forth in the Securities Purchase Agreement or the Warrant, (c) pursuant to director, employee and sales representative stock incentive awards granted in the ordinary course of business, (d) in connection with consolidations, mergers,
acquisitions, investments or dispositions for which Citigroup’s consent is not required as contemplated by Sections 7.17(b)(i) and 7.17(b)(ii) hereof; or (e) if the Board of Directors of Primerica determines in its good faith
judgment that Primerica needs to raise common equity capital either to (x) replace the Citi Note, (y) deleverage Primerica to address potential financial covenant defaults under any material debt agreement or (z) make a capital
contribution to one of Primerica’s principal insurance company Subsidiaries as requested by the principal regulator for such insurance company Subsidiary of Primerica or to maintain the financial strength rating of such insurance company
Subsidiary of Primerica, so long as, in each case, the members of the Citigroup Affiliated Group have the right to participate in the equity sale; 
 (v) any dissolution, liquidation or winding up of Primerica; 
 (vi)
the amendment by Primerica of Article Fourteenth or Article Fifteenth of the Primerica Charter or Article VIII and Article IX of Primerica’s Amended and Restated By-Laws, effective
[            ]; 
 (vii) the declaration or
payment of dividends on any class or series of the capital stock of Primerica, except for pro rata dividends on shares of Common Stock or the payment of mandatory dividends on shares of preferred stock so long as such shares of preferred stock are
issued in accordance with Section 7.17(b)(iv); 
  

 40 

 (viii) any change in the number of directors on the Board of Directors of
Primerica; or 
 (ix) the entry into or consummation by Primerica or any Subsidiary of Primerica of any
transaction, or a series of related transactions valued in the aggregate, involving consideration (as determined in good faith by a majority of the Board of Directors of Primerica) in excess of $5 million with any Affiliate of Primerica (other than
members of the Citigroup Affiliated Group), other than (a) the Initial Public Offering and related transactions, (b) transactions which are on terms substantially the same as or more favorable to Primerica than those that would be
available from an unaffiliated third party and (c) transactions between or among any of Primerica and its Subsidiaries. 
 Section 7.18 Information Required for Regulatory Purposes. In addition to, and not in limitation of, Sections 5.1 through and including Section 5.4 hereof and other provisions of this Agreement relating
thereto, Primerica hereby covenants that for so long as Citigroup is deemed to control Primerica for bank regulatory purposes, Primerica shall, or shall cause its Subsidiaries to, provide Citigroup or any of its Affiliates (and their respective
authorized representatives) access to any Primerica personnel and records and such other information or documents as Citigroup or such Affiliate may deem necessary or advisable to monitor and ensure compliance with the Bank Holding Company Act of
1956, as may be amended from time to time or any successor law (the “BHC Act”), or any other applicable bank regulatory law, rule, regulation, guidance, order or directive (which shall include information and access relating to
Primerica’s compliance with policies and procedures in accordance with Section 7.14 hereof). Upon reasonable notice, and at Citigroup’s own expense, Citigroup or any of its applicable Affiliates (and its authorized
representatives) will be afforded access to such personnel and records and such other information or documents at reasonable times and during normal business hours and Citigroup or its applicable Affiliate (and its authorized representatives) will
be permitted, at its own expense, to make abstracts from, or copies of, any such records, information or documents. 
 ARTICLE
VIII 
 DISPUTE RESOLUTION 
 Section 8.1 Negotiation. (a) In the event of any dispute, controversy or claim arising out of or relating to this Agreement or the breach, termination or validity thereof (a
“Dispute”), upon the written notice (“Notice”) of either party hereto, the parties shall attempt to negotiate a resolution of the Dispute; provided, however, that this Article VIII shall not
apply to any dispute, controversy or claim arising exclusively out of Article III of this Agreement, for which each party hereby submits to the exclusive jurisdiction of the Federal or State Courts in New York, New York (the “New York
Courts”). Each party unconditionally and irrevocably waives any objections which it may have now or in the future to the jurisdiction of the New York Courts over such Article III disputes including objections by reason of lack of
personal jurisdiction, improper venue or inconvenient forum. 
  

 41 

 (b) If the parties are unable for any reason to resolve a Dispute within 30
days after the receipt of the Notice, then either party may submit the Dispute to arbitration in accordance with Section 8.2 hereof as the exclusive means to resolve such Dispute. 
 Section 8.2 Arbitration. 
 (a) Any Dispute not resolved pursuant to Section 8.1 hereof shall, at the request of either party, be finally settled by arbitration administered by the American Arbitration Association (the
“AAA”) under its Commercial Arbitration Rules then in effect (the “Rules”) except as modified herein. The arbitration shall be held in New York, New York. 
 (b) There shall be three arbitrators of whom each party shall select one within 15 days of respondent’s receipt of
claimant’s demand for arbitration. The two party-appointed arbitrators shall select a third arbitrator to serve as Chair of the tribunal within 15 days of the selection of the second arbitrator. If any arbitrator has not been appointed within
the time limits specified herein, such appointment shall be made by the AAA in accordance with the Rules upon the written request of either party within 15 days of such request. The hearing shall be held no later than 120 days following the
appointment of the third arbitrator. 
 (c) The arbitral tribunal shall permit prehearing discovery that is
relevant to the subject matter of the Dispute taking into account the parties’ desire that the arbitration be conducted expeditiously and cost effectively. All discovery shall be completed within 60 days of the appointment of the third
arbitrator. 
 (d) By agreeing to arbitration, the parties do not intend to deprive a court of its jurisdiction
to issue a pre-arbitral injunction, pre-arbitral attachment, or other order in aid of arbitration proceedings and the enforcement of any award. Without prejudice to such provisional remedies as may be available under the jurisdiction of a court, the
arbitral tribunal shall have full authority to grant provisional remedies, to direct the parties to request that any court modify or vacate any temporary or preliminary relief issued by such court, and to award damages for the failure of any party
to respect the arbitral tribunal’s orders to that effect. For the purpose of any provisional relief contemplated hereunder, the parties hereby submit to the exclusive jurisdiction of the New York Courts. Each party unconditionally and
irrevocably waives any objections which they may have now or in the future to the jurisdiction of the New York Courts including objections by reason of lack of personal jurisdiction, improper venue, or inconvenient forum. 
 (e) The award shall be in writing, shall state the findings of fact and conclusions of law on which it is based, shall be
final and binding and shall be the sole and exclusive remedy between the parties regarding any claims, counterclaims, issues, or accounting presented to the arbitral tribunal. The arbitration shall be governed by the United States Arbitration Act, 9
U.S.C. § 1 et seq., and judgment upon any award may be entered in any court having jurisdiction. 
  

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 (f) The parties will bear equally all fees, costs, disbursements and other
expenses of the arbitration, and each party shall be solely responsible for all fees, costs, disbursements and other expenses incurred in the preparation and prosecution of their own case; provided that in the event that a party fails to
comply with the orders or decision of the arbitral tribunal, then such noncomplying party shall be liable for all costs and expenses (including attorneys fees) incurred by the other party in its effort to obtain either an order to compel, or an
enforcement of an award, from a court of competent jurisdiction. 
 (g) The arbitral tribunal shall have the
authority, for good cause shown, to extend any of the time periods in this arbitration provision either on its own authority or upon the request of any of the parties. The arbitral tribunal shall be authorized in its discretion to grant pre-award
and post-award interest at commercial rates. The arbitral tribunal shall have no authority to award punitive, exemplary or multiple damages or any other damages not measured by the prevailing parties’ actual damages. The arbitral tribunal shall
have the authority to order specific performance or to issue any other type of temporary or permanent injunction. 
 (h) All notices by one party to the other in connection with the arbitration shall be in accordance with the provisions of Section 8.1 hereof, except that all notices for a demand for arbitration made pursuant to this Article
VIII must be made by personal delivery or receipted overnight courier. This agreement to arbitrate shall be binding upon the successors and permitted assigns of each party. This Agreement and the rights and obligations of the parties shall
remain in full force and effect pending the award in any arbitration proceeding hereunder. 
 Section 8.3
Confidentiality. Except to the extent necessary to compel arbitration or in connection with arbitration of any Dispute under this Agreement, or for enforcement of an arbitral award, information concerning (i) the existence of an
arbitration pursuant to this Article VIII, (ii) any documentary or other evidence given by a party or a witness in the arbitration or (iii) the arbitration award may not be disclosed by the tribunal administrator, the arbitrators,
any party or its counsel to any person or entity not connected with the proceeding unless required by law or by a court or competent regulatory body, and then only to the extent of disclosing what is legally required. A party filing any document
arising out of or relating to any arbitration in court shall seek from the court confidential treatment for such document. 
 ARTICLE IX 
 MISCELLANEOUS 
 Section 9.1 Notices. All notices and other communications provided for hereunder shall be dated and in writing and shall be deemed to have been given (a) when delivered, if delivered
personally, sent by confirmed telecopy or sent by registered or certified mail, return receipt requested, postage prepaid, (b) on the next business day if sent by overnight courier, (c) when transmission is confirmed, if sent by facsimile
or (d) when received if delivered otherwise. Such notices shall be delivered to the address set forth below, or to such other address or

  

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facsimile number as a party shall have furnished to the other party in accordance with this Section 9.1. 
  

			
	If to Citigroup or any other member of the Citigroup Affiliated Group, to:
		
		 	 Citigroup Inc.
 399 Park
Avenue
 New York, New York 10022
 Attention: Michael Zuckert, Deputy General Counsel and
 Managing Director
 Fax: [            ]

		
	and	 	
		
		 	 Citigroup Inc.
 399 Park
Avenue
 New York, New York 10022
 Attention: Reza Shah, Head of Citi Reinsurance and Monitoring
 Fax:
[            ]

	
	If to Primerica, to:
		
		 	 Primerica, Inc.
 3120
Breckinridge Blvd.
 Duluth, Georgia
 Attention: Peter Schneider, General Counsel
 Fax: (770) 564-6216

		
	and	 	
		
		 	 Primerica, Inc.
 3120
Breckinridge Blvd.
 Duluth, Georgia
 Attention: Rick Williams, Co-Chief Executive Officer
 Fax: (770) 564-5669

 Section 9.2 Binding Nature of Agreement. This Agreement shall be binding upon and inure to the benefit of and be enforceable by
the parties hereto or their successors in interest, except as expressly otherwise provided herein. 
 Section 9.3
Descriptive Headings. The descriptive headings of the several articles and sections of this Agreement are inserted for reference only and shall not limit or otherwise affect the meanings hereof. 
  

 44 

 Section 9.4 Specific Performance and Other Remedies. 
 (a) The parties hereby expressly recognize and acknowledge that immediate, extensive and irreparable damage would result, no
adequate remedy at law would exist and damages would be difficult to determine in the event that any provision of this Agreement is not performed in accordance with its specific terms or otherwise breached. Therefore, in addition to, and not in
limitation of, any other remedy available to any party, except as otherwise expressly provided herein, an aggrieved party under this Agreement would be entitled to specific performance of the terms hereof and immediate injunctive relief, without the
necessity of proving the inadequacy of money damages as a remedy. Neither party shall be required to obtain or furnish any bond or similar instrument in connection with or as a condition to obtaining or seeking any such remedy. For the avoidance of
doubt, nothing in this Agreement shall diminish the availability of specific performance of the obligations under this Agreement or any other injunctive relief. 
 (b) Such remedies, and any and all other remedies provided for in this Agreement, shall be cumulative in nature and not
exclusive and shall be in addition to any other remedies whatsoever which any party may otherwise have. Each of the parties hereby acknowledges and agrees that it may be difficult to prove damages with reasonable certainty, that it may be difficult
to procure suitable substitute performance, and that injunctive relief and/or specific performance will not cause an undue hardship to the parties. Each party hereby further agrees that in the event of any action by the other party for specific
performance or injunctive relief, it will not assert that a remedy at law or other remedy would be adequate or that specific performance or injunctive relief in respect of such breach or violation should not be available on the grounds that money
damages are adequate or any other grounds. 
 Section 9.5 Governing Law. This Agreement shall be construed and
enforced in accordance with, and the rights and duties of the parties shall be governed by, the laws of the State of New York, without regard to the principles of conflicts of law other than Section 5-1401 of the General Obligations Law of the
State of New York. 
 Section 9.6 Counterparts. This Agreement may be executed in one or more counterparts, each of
which shall be deemed an original, but both of which together shall constitute one and the same instrument. 
 Section 9.7
Severability. In the event that any one or more of the provisions contained herein, or the application thereof in any circumstances, is held invalid, illegal or unenforceable in any respect for any reason, the validity, legality and
enforceability of any such provision in every other respect and of the remaining provisions contained herein shall not be in any way impaired thereby, it being intended that all of the rights and privileges of the parties hereto shall be enforceable
to the fullest extent permitted by law. To the extent that any such provision is so held to be invalid, illegal or unenforceable, Citigroup and Primerica shall in good faith use commercially reasonable efforts to find and effect an alternative means
to achieve the same or substantially the same result as that contemplated by such provision. 
 Section 9.8 Confidential
Information. All information provided by either party under this Agreement must be kept strictly confidential by the receiving party (the “Receiving Party”), and the Receiving Party will not use such information for any purpose (other
than, in the case of

  

 45 

 
Citigroup, to monitor its investment in Primerica) or disclose such information in any manner whatsoever, unless disclosure is required to comply with any law, order, judgment, decree, or any
rule, regulation, request or inquiry of or by any government, court, administrative or regulatory agency or commission, other governmental or regulatory authority or any self-regulatory body (including any securities or commodities exchange or the
Financial Industry Regulatory Authority) (collectively, “Governmental Entities”). The foregoing will not apply to (i) information that otherwise becomes generally available to the public through no fault of the Receiving Party,
(ii) information that is expressly intended for disclosure by the Receiving Party under the terms of this Agreement or (iii) information that the Receiving Party is required to disclose pursuant to law, rule or regulation. Citigroup will
be permitted to disclose confidential information of Primerica in connection with any disposition or contemplated disposition of shares of Common Stock Beneficially Owned by Citigroup or other similar strategic transaction so long as the party to
which the information is disclosed agrees to limit its use and disclosure of such information pursuant to a written non-disclosure agreement with Primerica, in a form reasonably acceptable to Primerica. The Receiving Party will disclose confidential
information of the disclosing party to the Receiving Party’s employees and agents solely on a need to know basis. The Receiving Party will be responsible for advising its employees and agents of the confidential nature of the information and
for ensuring compliance by the Receiving Party’s employees and agents with the provisions of this Section 9.8. If the Receiving Party receives a subpoena or other administrative or judicial process demanding confidential information
of the other party, the Receiving Party will promptly notify the disclosing party and will, at the request of the disclosing party, cooperate with the disclosing party in attempting to minimize or avoid the disclosure (at the expense of the
disclosing party); provided, however, that the foregoing will not apply to any request or demand for information from any Governmental Entity (other than any court). 
 Section 9.9 Amendment; Modification and Waiver. Subject to applicable law, this Agreement may be amended, modified or
supplemented only by written agreement executed by the parties hereto. Any failure of a party to comply with any obligation, covenant or agreement contained in this Agreement may be waived by the party entitled to the benefits thereof only by a
written instrument duly executed and delivered by the party granting such waiver, but such waiver or failure to insist upon strict compliance with such obligation, covenant or agreement shall not operate as a waiver of, or estoppel with respect to,
any subsequent or other failure of compliance. 
 Section 9.10 Entire Agreement. This Agreement, including any
schedules or exhibits hereto embodies the entire agreement and understanding of the parties hereto in respect of the transactions contemplated by this Agreement. There are no restrictions, promises, representations, warranties, covenants or
undertakings, other than those expressly set forth or referred to herein. This Agreement supersedes all prior agreements and understandings between the parties with respect to such subject matter. In the event and to the extent that there shall be
any conflict or inconsistency between the provisions of this Agreement and the provisions of any Related Agreement, such Related Agreement shall control, except as otherwise provided therein. 
 Section 9.11 No Assignment. Except as otherwise provided for in this Agreement, neither this Agreement nor any of the rights,
interests or obligations of any party hereto may be assigned by such party without the prior written consent of the other parties; provided, however,

  

 46 

 
that Citigroup may assign all or part of its rights or obligations hereunder to one or more other members of the Citigroup Affiliated Group without the prior written consent of Primerica.

 Section 9.12 Recapitalization, Dilution Adjustments, etc. In the event that any capital stock or other securities
are issued in respect of, in exchange for, or in substitution of, any shares of Common Stock by reason of any reorganization, recapitalization, reclassification, merger, consolidation, spin-off, partial or complete liquidation, stock dividend,
split-up, sale of assets, distribution to stockholders or combination of the shares of Common Stock then, in each such case, if necessary, appropriate adjustments shall be made so as to fairly and equitably preserve, as far as practicable, the
original rights and obligations of the parties hereto under this Agreement. 
 Section 9.13 Other Intercompany
Agreements. In connection with the execution and delivery of this Agreement, the Commercial Agreements listed on Schedule 9.13 hereto and the Related Agreements describe all of the agreements, identified as of the date hereof, between
members of the Citigroup Affiliated Group, on the one hand, and Primerica or one of its Subsidiaries, on the other hand, in effect as of the date hereof. The parties agree to review the Commercial Agreements, review and identify any other additional
intercompany agreements in effect as of the date hereof and to cooperate to take such further action as may be necessary for the termination, alteration or amendment of such agreements in order for such agreements to be consistent with, and to
provide for, the implementation of the transactions contemplated hereby. 
 Section 9.14 Further Actions. Each party
hereto shall, on notice of request from any other party hereto, take such further action not specifically required hereby at the expense of the requesting party, as the requesting party may reasonably request for the implementation of the
transactions contemplated hereby. 
 Section 9.15 Further Assurances with Respect to Reorganization. At any time
prior to the First Trigger Date, each of the parties to this Agreement shall execute, acknowledge and deliver, or cause to be executed, acknowledged and delivered, all such further conveyances, bills of sale, deeds, endorsements, assignments,
assumptions, releases and other instruments, and shall take such further actions, as may be otherwise reasonably required to (i) effectively convey and transfer to, and vest in, Primerica and put Primerica in possession of any assets and
liabilities or contractual rights and obligations primarily related to the Primerica Business which were not transferred or conveyed pursuant to the Exchange Agreement and (ii) effectively convey and transfer to, and vest in, the Citigroup
Affiliated Group and put the Citigroup Affiliated Group in possession of any assets and liabilities or contractual rights and obligations not primarily related to the Primerica Business which were not transferred or conveyed pursuant to the
Applicable Restructuring Documents listed on Schedule 1.1(a) hereto. The parties agree to execute any transaction contemplated by this Section 9.15 pursuant to a document reasonably satisfactory to both parties, including a
schedule specifically identifying the contractual rights and obligations or assets and liabilities to be transferred. 
 Section 9.16 No Third Party Beneficiaries. Nothing in this Agreement shall convey any rights upon any person or entity which is not a party or a permitted assignee of a party to this Agreement; provided that the
provisions of Article VI shall inure to the benefit of each of the indemnified parties referred to therein. 
  

 47 

 Section 9.17 Drafting of Language. Each of Citigroup and Primerica agrees that
the drafting of the language contained in this Agreement was a cooperative effort, that each party was equally responsible for such drafting and that it would be inequitable for either party to be deemed the “drafter” of any specific
language contained herein pursuant to any judicial doctrine or presumption relating thereto. 
 Section 9.18
Interpretation. Whenever the words “include,” “includes” or “including” are used in this Agreement, they shall be deemed to be followed by the words “without limitation.” When a reference in this
Agreement is made to a “party” or “parties,” such reference shall be to a party or parties to this Agreement unless otherwise indicated. Unless the context requires otherwise, the terms “hereof,” “herein,”
“hereby,” “hereto” and derivative or similar words in this Agreement refer to this entire Agreement. Unless the context requires otherwise, words in this Agreement using the singular or plural number also include the plural or
singular number, respectively, and the use of any gender herein shall be deemed to include the other genders. When a reference is made to an Article, Section, Schedule or Exhibit, such reference shall be to an Article, Section, Schedule or Exhibit
of this Agreement, unless otherwise indicated. References to “dollars” or “$” are to U.S. dollars. 
  

 48 

 IN WITNESS HEREOF, the parties have caused this Agreement to be executed by a duly
authorized officer and delivered as of the date first above written. 
  

	
	CITIGROUP INC.
	
	  

	Name:
	Title:
	
	PRIMERICA, INC.
	
	  

	Name:
	Title:

  

 49Form of Transition Services Agreement

 Exhibit 10.2 
  
 Form of Transition Services Agreement 
  
 TRANSITION SERVICES AGREEMENT 
  
 by and between 
  

CITIGROUP INC. 
  
 and 
  
 PRIMERICA, INC. 
  
 Dated as of [            ], 2010 

 Table of Contents 
  

					
	ARTICLE I DEFINITIONS	  	 
			
	 Section 1.1
	  	 Definitions
	  	1
		
	ARTICLE II SERVICES	  	 
			
	 Section 2.1
	  	 Services to be Provided to Primerica
	  	7
	 Section 2.2
	  	 Services to be Provided to Citi
	  	8
	 Section 2.3
	  	 Management of Services by Provider
	  	8
	 Section 2.4
	  	 Omitted Services
	  	8
	 Section 2.5
	  	 Additional Services
	  	9
	 Section 2.6
	  	 Service Coordinators
	  	9
	 Section 2.7
	  	 Standard of Performance
	  	9
	 Section 2.8
	  	 Cooperation
	  	9
	 Section 2.9
	  	 Migration and Integration
	  	10
	 Section 2.10
	  	 Conduct of Affiliates
	  	10
		
	ARTICLE III LIMITATIONS	  	 
			
	 Section 3.1
	  	 General Limitations
	  	10
	 Section 3.2
	  	 Third Party Limitations
	  	11
	 Section 3.3
	  	 Compliance with Laws
	  	11
	 Section 3.4
	  	 Excluded Services
	  	11
	 Section 3.5
	  	 Force Majeure
	  	12
	 Section 3.6
	  	 Disaster Recovery Services
	  	12
	 Section 3.7
	  	 Interim Basis Only
	  	12
	 Section 3.8
	  	 No Adverse Effect
	  	13
		
	ARTICLE IV PAYMENT	  	 
			
	 Section 4.1
	  	 Base Term Fees
	  	13
	 Section 4.2
	  	 Adjustments to Base Cost
	  	14
	 Section 4.3
	  	 Billing and Payment Terms
	  	14
	 Section 4.4
	  	 Sales Taxes
	  	15
	 Section 4.5
	  	 No Offset
	  	15
		
	ARTICLE V ACCESS AND SECURITY	  	 
			
	 Section 5.1
	  	 Access to Networks
	  	15

					
	 Section 5.2
	  	 Policies and Procedures
	  	16
	 Section 5.3
	  	 Record Retention
	  	17
	 Section 5.4
	  	 Audit
	  	17
	 Section 5.5
	  	 Regulatory Audit
	  	17
	 Section 5.6
	  	 Audit Results
	  	18
	 Section 5.7
	  	 Sarbanes Oxley
	  	18
		
	ARTICLE VI CONFIDENTIALITY	  	 
			
	 Section 6.1
	  	 Confidential Materials
	  	19
	 Section 6.2
	  	 Permitted Disclosures
	  	19
	 Section 6.3
	  	 Disclosure in Compliance with Law
	  	19
	 Section 6.4
	  	 Unauthorized Disclosures
	  	19
	 Section 6.5
	  	 Failure to Comply
	  	20
	 Section 6.6
	  	 Injunctive Relief
	  	20
		
	ARTICLE VII INTELLECTUAL PROPERTY AND DATA	  	 
			
	 Section 7.1
	  	 Ownership of Data and Intellectual Property
	  	20
	 Section 7.2
	  	 Data Protection
	  	21
		
	ARTICLE VIII DISCLAIMER OF WARRANTIES	  	 
			
	 Section 8.1
	  	 Disclaimer of Warranties
	  	21
		
	ARTICLE IX INDEMNIFICATION	  	 
			
	 Section 9.1
	  	 Indemnification of Primerica
	  	21
	 Section 9.2
	  	 Indemnification of Citi
	  	21
	 Section 9.3
	  	 Indemnification Procedures
	  	22
	 Section 9.4
	  	 Limitations
	  	25
	 Section 9.5
	  	 Exclusions
	  	25
	 Section 9.6
	  	 Payments
	  	26
	 Section 9.7
	  	 Insurance
	  	26
	 Section 9.8
	  	 Remedies Exclusive
	  	26
	 Section 9.9
	  	 Mitigation
	  	26
		
	ARTICLE X TERM AND TERMINATION	  	 
			
	 Section 10.1
	  	 Term of Agreement
	  	27
	 Section 10.2
	  	 Termination
	  	29
	 Section 10.3
	  	 Effect of Termination
	  	31

  

 ii. 

					
	ARTICLE XI MISCELLANEOUS	  	 
			
	 Section 11.1
	  	 Construction; Absence of Presumption
	  	31
	 Section 11.2
	  	 Headings
	  	32
	 Section 11.3
	  	 Notices
	  	32
	 Section 11.4
	  	 Governing Law
	  	33
	 Section 11.5
	  	 Jurisdiction; Venue; Consent to Service of Process
	  	34
	 Section 11.6
	  	 Entire Agreement
	  	34
	 Section 11.7
	  	 Amendment, Modification and Waiver
	  	34
	 Section 11.8
	  	 Severability
	  	35
	 Section 11.9
	  	 Successors and Assigns; No Third Party Beneficiaries
	  	35
	 Section 11.10
	  	 WAIVER OF JURY TRIAL
	  	35
	 Section 11.11
	  	 Expenses
	  	35
	 Section 11.12
	  	 Counterparts
	  	35
	 Section 11.13
	  	 Relationship of the Parties
	  	35
	 Section 11.14
	  	 Dispute Resolution
	  	36

  

			
	SCHEDULES	  	 
		
	 Schedule 2.1(a)
	  	 Citi Non-Benefits Services

	 Schedule 2.1(b)
	  	 Citi Benefits Services

	 Schedule 2.2
	  	 Primerica Services

	 Schedule 2.5
	  	 Additional Services

	 Schedule 2.6
	  	 Service Coordinators

	 Schedule 3.4
	  	 Excluded Services

	 Schedule 3.7
	  	 Enterprise License Agreements

	 Schedule 11.14
	  	 Executive Committee

  

 iii. 

 TRANSITION SERVICES AGREEMENT 
  
 This TRANSITION SERVICES AGREEMENT (this
“Agreement”), dated as of [            ], 2010 (the “Effective Date”), by and between CITIGROUP INC., a Delaware corporation (“Citi”), and
PRIMERICA, INC., a Delaware corporation (“Primerica,” together with Citi, the “Parties,” and each individually a “Party”). 
  
 WHEREAS, Citi is the indirect owner of all of the issued and outstanding common stock of Primerica immediately
prior to the date hereof; and 
  
 WHEREAS, in
contemplation of Primerica ceasing to be so wholly owned by Citi, the Parties hereto have determined that it is necessary and desirable to set forth certain agreements that will govern certain matters between the Parties hereto following the
completion of the initial public offering of the common stock of Primerica as of the Effective Date, and this Agreement is one such agreement. 
  
 NOW THEREFORE, in consideration of the mutual promises and covenants set forth herein, and for other good and valuable consideration, the
receipt and adequacy of which are hereby acknowledged, the parties hereto, intending to be legally bound, hereby agree as follows: 
  
 ARTICLE I 
 DEFINITIONS 
  
 Section 1.1
Definitions. Unless the context clearly requires otherwise, the following terms shall have the following meanings: 
  
 “AAA” shall have the meaning set forth in Section 11.15. 
  
 “Additional Service” shall
have the meaning set forth in Section 2.5(a). 
  
 “Affiliate” shall mean, with respect to a Party, any person or entity that, directly or indirectly, Controls, or is Controlled by, or is under common Control with, such Party. For the
purposes of this Agreement, neither Party shall be deemed an Affiliate of the other. 
  
 “Auditors Attestation” shall have the meaning set forth in Section 5.7(b). 
  
 “Bank Holding Company Act”
shall mean the Bank Holding Company Act of 1956, as amended, and the rules, regulations and interpretations of the Federal Reserve Board thereunder. 
  
 “Base Cost” shall have the meaning set forth in Section 4.1(a) & (b). 

 “Base Term” shall have the meaning set forth in Article X.

  
 “Beneficially
Own” and “Beneficially Owned” means “beneficial ownership” within the meaning of Rule 16a-1(a)(2) promulgated by the SEC under the Exchange Act. 
  
 “BHCA Side Letter” shall have the meaning set forth in Section 10.1(b).

  
 “Business”
shall mean the business of the subsidiaries of Primerica as the business was operated by them in the ordinary course prior to the Effective Date. 
  
 “Business Day” shall mean any day other than a Saturday, a Sunday or a legal holiday or a day on which
banking institutions or trust companies are authorized or obligated by law to close in The City of New York. 
  
 “Citi Benefits Services” shall have the meaning set forth in Section 2.1(b). 
  
 “Citi Fees” shall have the
meaning set forth in Section 4.1(a). 
  
 “Citi Indemnified Parties” shall have the meaning set forth in Section 9.2. 
  
 “Citi Non-Benefits Services” shall have the meaning set forth in Section 2.1(a). 
  
 “Citi Parties” shall mean, as
applicable, (a) Citi, its Affiliates and its or their third party service providers, when providing Services or (b) Citi and its Affiliates, when receiving Services. 
  
 “Citi Services” shall have the meaning set forth in Section 2.1(b).

  
 “Citigroup Affiliated
Group” means, collectively, Citigroup and all corporations, partnerships, joint ventures, limited liability companies, associations and other entities (a) in which Citigroup owns, directly or indirectly, fifty percent (50%) or more of
the outstanding voting stock, voting power, partnership interests or similar ownership interests, (b) of which Citigroup otherwise directly or indirectly controls or directs the policies or operations or (c) which would be considered
subsidiaries of Citigroup within the meaning of Regulation S-K or Regulation S-X, now or hereafter existing, other than Primerica and its Subsidiaries, now or hereafter existing (all determinations hereunder to be made after giving effect to the
Reorganization (as defined below)). 
  

 2. 

 “Common Stock” means the common stock, par value $0.01 per
share, of Primerica and any other class or series of common stock of Primerica hereafter created. 
  
 “Compliance Period” shall have the meaning set forth in Section 5.7. 
  
 “Confidential Material” shall
have the meaning set forth in Section 6.1. 
  
 “Control” and its derivatives mean legal, beneficial or equitable ownership, directly or indirectly, of more than fifty percent (50%) of the outstanding voting capital stock (or
other ownership interest, if not a corporation) of an entity, or actual managerial or operational control over such entity. 
  
 “Dispute” shall have the meaning set forth in Section 11.14. 
  
 “Enterprise License Agreement”
shall mean each agreement that is set forth on Schedule 3.7, in each case as such agreement exists as of the Effective Date. 
  
 “Excluded Services” shall have the meaning set forth in Section 3.4. 
  
 “Executive Committee” shall
have the meaning set forth in Section 11.14. 
  
 “Extension Term” shall have the meaning set forth in Section 10.1(a). 
  
 “Fees” shall mean the Primerica Fees and the Citi Fees. 
  
 “First Benefits Extension
Term” shall have the meaning set forth in Section 10.1(a)(i). 
  
 “First Trigger Date” means the earlier of (i) the first date on which the members of the Citigroup Affiliated Group cease to Beneficially Own, in the aggregate, shares entitled to
fifty percent (50%) or more of the votes entitled to be cast by the holders of then outstanding Common Stock and (ii) the first date on which Primerica and its Subsidiaries is or shall be deemed to have been, under GAAP, deconsolidated
from Citigroup for purposes of Citigroup’s consolidated financial statements. 
  
 “Force Majeure Event” shall have the meaning set forth in Section 3.5(a). 
  
 “Governmental Authority” means
any federal, state, local or foreign government, any court, administrative, regulatory or other governmental agency, commission or authority or any organized securities exchange. 
  

 3. 

 “Historical Methodology” means the process used prior to
the Effective Date to determine the fees and costs charged to each Service recipient for the applicable Service. 
  
 “Indemnified Parties” shall mean the Citi Indemnified Parties and the Primerica Indemnified Parties.

  
 “Indemnified Party
Counsel” shall have the meaning set forth in Section 9.3(b)(iv). 
  
 “Indemnifying Party” shall mean (a) Citi, with respect to any claim for or right to indemnification
pursuant to Article IX by a Primerica Indemnified Party, and (b) Primerica, with respect to any claim for or right to indemnification pursuant to Article IX by a Citi Indemnified Party. 
  
 “Indemnity Payments” shall
have the meaning set forth in Section 9.6. 
  
 “Intellectual Property” shall mean all intellectual property, including all (i) inventions (whether patentable or unpatentable and whether or not reduced to practice), improvements
thereto, and patents, patent applications, and patent disclosures, together with provisionals, reissuances, continuations, continuations-in-part divisions, revisions, extensions, and reexaminations thereof, (ii) Trademarks,
(iii) copyrights and website content, and applications, registrations, and renewals in connection therewith, (iv) trade secrets, know-how and confidential business information and, (v) software (in any form), and electronic data,
databases, and data collections. 
  
 “Intercompany Agreement” shall mean the Intercompany Agreement by and between Citi and Primerica, dated as of [ ], 2010. 
  
 “Law” shall mean any law, rule, regulation, ordinance, treaty, writ, judicial decision, judgment,
injunction, decree, determination, award or other order of any Governmental Authority. 
  
 “Losses” shall mean all losses, liabilities, claims, damages, settlements, judgments, awards, actions,
suits, fines, penalties, assessments, and all related costs and expenses (including taxes, reasonable attorneys’ fees and disbursements, and costs of investigation, litigation and settlement). 
  
 “Network” shall mean a
Party’s and its Affiliates’ information systems, including all data they contain and all computer software and hardware. 
  

 4. 

 “Personnel” shall mean, with respect to any Party, the
employees, officers, agents, independent contractors and consultants of (a) such Party, (b) the Affiliates of such Party and (c) any third parties engaged by such Party or its Affiliates to provide a Service. 
  
 “Primerica Fees” shall have
the meaning set forth in Section 4.1(b). 
  
 “Primerica Indemnified Parties” shall have the meaning set forth in Section 9.1. 
  
 “Primerica Parties” shall mean, as applicable, (a) Primerica, its Affiliates and its or their
third-party service providers, when providing Services or (b) Primerica and its Affiliates, when receiving Services. 
  
 “Primerica Services” shall have the meaning set forth in Section 2.2(a). 
  
 “Regulatory Bodies” shall have
the meaning set forth in Section 5.5. 
  
 “Rules” shall have the meaning set forth in Section 11.15. 
  
 “Sales Taxes” shall have the meaning set forth in Section 4.4. 
  
 “Sarbanes Oxley Act” shall
have the meaning set forth in Section 5.7. 
  
 “Second Benefits Extension Term” shall have the meaning set forth in Section 10.1(a)(ii). 
  
 “Service Coordinator” shall have the meaning set forth in Section 2.6. 
  
 “Service Data” shall have the
meaning set forth in Section 7.1(c). 
  
 “Services” shall mean the Citi Services, Primerica Services, Omitted Services and Additional Services, including any and all systems, feeds, Networks and Intellectual Property to which a Party has access prior to the
Effective Date and which are necessary to provide or receive such Services. 
  
 “Term” shall have the meaning set forth in Section 10.1. 
  
 “Third Party Claim” shall have the meaning set forth in Section 9.1. 
  

 5. 

 “Trademarks” shall mean all registered and unregistered
trademarks, service marks, Internet domain names and other similar designations of source or origin, together with the goodwill associated with any of the foregoing. 
  

 6. 

 ARTICLE II 
 SERVICES 
  
 Section 2.1 Services to be Provided to Primerica. 
  
 (a) Citi shall provide, or shall cause its Affiliates or third-party service providers to provide, to the Primerica Parties all services
(other than the Citi Benefits Services) provided to the Business in the ordinary course prior to the Effective Date to the extent provided prior to the Effective Date, as the services are set forth on Schedule 2.1(a) (the “Citi
Non-Benefits Services”). Solely for informational purposes, and without limiting Citi’s rights pursuant to Section 10.2(b)(ii), Schedule 2.1(a) indicates those Citi Non-Benefits Services that, as of the Effective Date, Citi
believes based upon reasonable diligence that Primerica must continue to receive to ensure compliance by Citi or its Affiliates with the Bank Holding Company Act or any other bank regulatory law, rule, regulation, guidance, order or directive.

  
 (b) Citi shall provide, or shall cause its
Affiliates or third party service providers to provide, to the Primerica Parties the employee-benefit related services provided to the Business in the ordinary course prior to the Effective Date to the extent provided prior to the Effective Date, as
the services are set forth on Schedule 2.1(b) (the “Citi Benefits Services” and, together with the Citi Non-Benefits Services, the “Citi Services”). Solely for informational purposes, and without limiting
Citi’s rights pursuant to Section 10.2(b)(ii), Schedule 2.1(b) indicates those Citi Benefits Services that, as of the Effective Date, Citi believes based upon reasonable diligence that Primerica must continue to receive to ensure
compliance by Citi or its Affiliates with the Bank Holding Company Act or any other bank regulatory law, rule, regulation, guidance, order or directive. 
  
 (c) Citi may, in its sole discretion and without any written notice to Primerica, engage, or cause one of its Affiliates to engage, one or
more persons (including third parties or Affiliates of Citi) to provide some or all of the Citi Services, except to the extent such engagement is prohibited by applicable Law; provided, that Citi shall be responsible for the performance or
non-performance of any such persons, and shall remain responsible for the performance of the Citi Services in accordance with this Agreement. 
  
 (d) In the event that Primerica internally restructures, reorganizes or transfers all or any part of the Business to an Affiliate or a third
party, Primerica may pass through the Citi Services to such Affiliate or third party; provided, that Primerica shall (i) remain responsible for the acts and omissions of such Affiliate or third party in connection with such Citi Services
and (ii) be responsible for any incremental costs or other expenses incurred by Citi in connection with providing such Citi Services to such Affiliate or third party. Citi shall continue to provide the Citi Services to such Affiliate or third
party to the extent provided prior to such restructuring, reorganization or transfer, but only insofar as such Affiliate or such third party continues to conduct the Business. 
  

 7. 

 Section 2.2 Services to be Provided to Citi. 
  
 (a) Primerica shall provide, or shall cause its Affiliates or
third-party service providers to provide, to the Citi Parties all services provided to the business of Citi and its Affiliates in the ordinary course prior to the Effective Date to the extent provided prior to the Effective Date, as the services are
set forth on Schedule 2.2 (the “Primerica Services”). 
  
 (b) Primerica may, in its sole discretion and without any written notice to Citi, engage, or cause one of its Affiliates to engage, one or more persons (including third parties or Affiliates of Primerica)
to provide some or all of the Primerica Services, except to the extent such engagement is prohibited by applicable Law; provided, that Primerica shall be responsible for the performance or non-performance of any such persons, and shall remain
responsible for the performance of the Primerica Services in accordance with this Agreement. 
  
 (c) In the event that Citi internally restructures, reorganizes or transfers all or any part of the business to which the Primerica Services relate to an Affiliate or a third party, Citi may pass through
the Primerica Services to such Affiliate or third party; provided, that Citi shall (i) remain responsible for the acts and omissions of such Affiliate or third party in connection with such Primerica Services and (ii) be responsible
for any incremental costs or other expenses incurred by Primerica in connection with providing such Primerica Services to such Affiliate or third party. Primerica shall be obligated to continue to provide the Primerica Services to such Affiliate or
third party to the extent provided prior to such restructuring, reorganization or transfer, but only insofar as such Affiliate or such third party continues to conduct the business to which the Primerica Services relate. 
  
 Section 2.3 Management of Services by Provider.
Except as may otherwise be expressly provided in this Agreement, the management of and control over the provision of the Services by a Party shall reside solely with the Party providing such Services, and notwithstanding anything to the contrary
herein, such Party shall at any time be permitted to (a) choose the methodology, systems and applications it utilizes in the provision of such Services, including without limitation the location from which any Service is provided at any time
and (b) subject to Section 7.14 of the Intercompany Agreement, change its policies or procedures or any Affiliates or third parties that provide any Services; provided that such Party provide reasonable advance written notice to the
Party receiving the Services of any change in order for the Party receiving the Service to make, in an appropriate and economical manner, all necessary modifications required as a result of the changes. Notwithstanding any changes, the Party
providing the Services shall remain responsible for the performance of the Services in accordance with this Agreement. 
  
 Section 2.4 Omitted Services. If, at any time within ninety (90) days following the Effective Date, either Party becomes
aware of any service that had been provided prior to the Effective Date that is not included on Schedule 2.1(a), Schedule

  

 8. 

 
2.1(b) or Schedule 2.2, as applicable, and which the Parties had not included as an Excluded Service on Schedule 3.4 (each such service, an “Omitted Service”),
then upon notice to the other Party, such service will be added to the applicable schedule and become a Citi Service or Primerica Service, as applicable. The Party that must resume such Service shall resume provision of such Service as soon as
reasonably practicable. The cost of any Omitted Service shall be determined in accordance with Section 4.1. 
  
 Section 2.5 Additional Services. 
  
 (a) If either Party desires to receive an additional service (or to expand the scope or lengthen the duration of any Service), the Service
Coordinators shall meet (in person or by telephone) within ten (10) days of the other Party’s receipt of a written notice by the Party desiring to add such additional service to discuss in good faith whether such other Party is willing to
provide such additional service (or such expanded scope or lengthened duration of a Service) (each such service, to the extent provided, an “Additional Service”). 
  
 (b) The Parties shall mutually agree on the scope, terms, Base Cost and duration of all Additional Services,
all of which shall be set forth on Schedule 2.5. 
  
 Section 2.6 Service Coordinators. Citi and Primerica shall each nominate a representative to act as the primary contact person with respect to the performance of the Services (each, a “Service Coordinator”).
Unless otherwise agreed upon by the Parties, all communications relating to this Agreement and to the Services provided hereunder shall be directed to the Service Coordinators. The initial Service Coordinators for Primerica and Citi, including
relevant contact information, are set forth on Schedule 2.6. Either Party may replace its Service Coordinator at any time by providing notice in accordance with Section 11.3 of this Agreement. 
  
 Section 2.7 Standard of Performance. Each Party
shall (and shall cause any party performing services on its behalf to) use commercially reasonable efforts, skill and judgment in providing the Services. Without limiting the foregoing, all Services shall be provided in a timely and professional
workmanlike manner, consistent with applicable Law and with recent past practice prior to the Effective Date. 
  
 Section 2.8 Cooperation. 
  
 (a) Each Party shall use commercially reasonable efforts, and shall use commercially reasonable efforts to cause its respective Affiliates
and third-party service providers, to cooperate reasonably with the other Party in all matters relating to the provision and receipt of the Services and to minimize the expense, distraction and disturbance to each Party, and shall perform all
obligations hereunder in good faith and in accordance with principles of fair dealing. Such cooperation shall include (i) the execution and delivery of such further instruments or documents as may be reasonably requested by the other Party to
enable the full performance of each Party’s obligations hereunder and (ii) notifying the other Party in advance of any changes to a Party’s

  

 9. 

 
operating environment or Personnel (especially changes with respect to employee status), and working with the other Party to minimize the effect of such changes. 
  
 (b) Each Party will use commercially reasonable efforts to
provide information and documentation sufficient for the other Party to perform the Citi Services or the Primerica Services, as applicable, in the manner they were provided in the ordinary course prior to the Effective Date, and will use
commercially reasonable efforts to make available, as reasonably requested by the other Party, sufficient resources and timely decisions, approvals and acceptances in order that the other Party may perform its obligations under the agreement in a
timely and efficient manner. 
  
 (c) The Primerica
Parties and the Citi Parties, in each case as Service recipient, shall follow, and shall cause their respective Affiliates and third-party service providers to follow, the policies, procedures and practices with respect to the Services followed by
the Citi Parties or the Primerica Parties, in each case as Service providers, immediately prior to the Effective Date, except for any changes to such policies, procedures and practices required due to changes in applicable Law (or changes in the
interpretation or enforcement of applicable Law) following the Effective Date of which the Party making such change has provided such advance notice as is reasonable under the circumstances. A failure of either Party to act in accordance with this
Section 2.8 that prevents the other Party or its Affiliates or third parties from providing a Service hereunder shall relieve the Party providing the Service of its obligation to provide such Service until such time as the failure has been
cured; provided, that the Party claiming the failure has previously notified the other Party in writing of such failure. 
  
 Section 2.9 Migration and Integration. Each Party shall bear its own costs incurred in migrating the Citi Services or the
Primerica Services, as applicable, from the other Party’s systems and technology and to integrate the Citi Services or the Primerica Services, as applicable, with such Party’s own systems and technology; provided that the Parties
shall use reasonable efforts, communication and cooperation to achieve the migration and transition of Citi Services and Primerica Services, as applicable, in a timely (with a recognition of Section 3.7 below) and cost-efficient manner for each
of the Parties to the extent commercially reasonable. 
  
 Section 2.10 Conduct of Affiliates. To the extent that any Service is provided or received by an Affiliate of a Party, such Party shall cause such Affiliate to comply with the terms and conditions of this Agreement relating to
the provision and receipt of the Services as if such Affiliate were a named Party under this Agreement. 
  
 ARTICLE III 
 LIMITATIONS 
  
 Section 3.1 General Limitations. 
  
 (a) Unless expressly provided otherwise herein (i) Citi
Parties shall be required to provide the Citi Services hereunder only to the extent that such Citi

  

 10. 

 
Services were provided to the Business and (ii) the Citi Services shall be available only for the purposes of conducting the Business. 
  
 (b) Unless expressly provided otherwise herein
(i) Primerica Parties shall be required to provide the Primerica Services hereunder only to the extent that such Primerica Services were provided to Citi or its Affiliates in the ordinary course prior to the Effective Date and (ii) the
Primerica Services shall be available only for the purposes of conducting the business of Citi and its Affiliates. 
  
 (c) In no event shall either Party (or its Affiliates) be obligated to maintain the employment of any specific employee or, unless the other
Party agrees to bear all associated costs, acquire any specific additional equipment or software; provided, that such Party shall remain responsible for the performance of the Citi Services or Primerica Services, as applicable, in accordance
with this Agreement. 
  
 Section 3.2 Third
Party Limitations. Each Party acknowledges and agrees that the Services provided by a Party through third parties or using third-party Intellectual Property are subject to the terms and conditions of any applicable agreements between the
provider of such Service and such third parties. Each Party providing Services through third parties or using third-party Intellectual Property shall use commercially reasonable efforts to (a) obtain any necessary consent from such third
parties in order to provide such Services or (b) if any such consent is not obtained, provide acceptable alternative arrangements to provide the relevant Services sufficient for the other Party’s purposes. All costs associated with
(a) and (b), above, shall be borne by the Party receiving the applicable Service; provided that the Party providing such Service shall not incur any such costs without the prior written consent of the Party receiving such
Service. If any such acceptable alternative arrangement is not reasonably available or the Party receiving such Service does not consent to pay such additional costs, the Party scheduled to provide such Service shall not be required to provide
such Service. 
  
 Section 3.3 Compliance with
Laws. Neither Party shall provide, or cause to be provided, any Service to the extent that the provision of such Service would require such Party, any of its Affiliates or any of their respective Personnel to violate (a) any applicable Law
or (b) any policies or procedures of such Party that were established in response to regulatory concerns. If at any time during the term of this Agreement, either Party becomes aware of any facts or circumstances which would cause the provision
of any Service to result in any such violation, such Party, as applicable, shall promptly give notice thereof to the other Party; provided (a) the Parties make commercially reasonable efforts to provide acceptable alternative
arrangements to provide the relevant Services sufficient for the other Party’s purposes in a manner that complies with applicable Law and (b) all costs associated with the acceptable alternative arrangement shall be borne by the Party
receiving the applicable Services. 
  
 Section 3.4 Excluded Services. Notwithstanding anything to the contrary set forth herein, in no event shall the Services include any of the services set forth on Schedule 3.4 (the “Excluded Services”).

  

 11. 

 Section 3.5 Force Majeure. 
  
 (a) The Parties shall use commercially reasonable efforts to
provide, or cause to be provided, the Services without interruption. If any Party providing, or causing to be provided, Services is wholly or partially prevented from, or delayed in, providing one or more Services, or one or more Services are
interrupted or suspended, by reason of events beyond its reasonable control (including acts of God, fire, explosion, accident, floods, earthquakes, embargoes, epidemics, war, acts of terrorism, or nuclear disaster) (each, a “Force Majeure
Event”), such Party shall not be obligated to deliver the affected Services during such period, and the Party that would have received such Services shall not be obligated to pay for any Services not delivered. 
  
 (b) Upon the occurrence of a Force Majeure Event, the affected
Party shall promptly give written notice to the other Party of the Force Majeure Event upon which it intends to rely to excuse its performance, and of the expected duration of such Force Majeure Event. The duties and obligations of such Party
hereunder shall be tolled for the duration of the Force Majeure Event, but only to the extent that the Force Majeure Event prevents such Party from performing its duties and obligations hereunder. 
  
 (c) During the duration of a Force Majeure Event, the affected
Party shall use commercially reasonable efforts to avoid or remove such Force Majeure Event, and shall use commercially reasonable efforts to resume its performance under this Agreement with the least practicable delay. From and during the
occurrence of a Force Majeure Event, the other Party may replace the affected Services by providing such Services for itself or engaging a third party to provide such Services. 
  
 (d) For the period beginning thirty (30) days after the occurrence of a Force Majeure Event and ending
upon the termination of such Force Majeure Event, the affected Party shall pay or reimburse, as applicable, the difference, if any, between (i) all of the other Party’s reasonable costs associated with any replacement Services and
(ii) the amount the other Party would have paid to such Party under the terms of this Agreement for the provision of such Services had such Party continued to perform such Services. 
  
 Section 3.6 Disaster Recovery Services. No Party shall be required to provide disaster recovery
Services to the extent that the Party that would receive such Services has materially altered the equipment, hardware or software to which such disaster recovery Services pertain. 
  
 Section 3.7 Interim Basis Only. Each Party acknowledges that the purpose of this Agreement is to
provide Services to the other Party on an interim basis, until such Party can perform the Services for itself. Accordingly, at all times from and after the Effective Date, each Party receiving Services hereunder shall use commercially reasonable
efforts to make or obtain any approvals, permits or licenses, implement any computer systems and take, or cause to be taken, any and all other actions necessary or advisable for it to provide such Services for itself as soon as commercially
reasonably

  

 12. 

 
practicable; provided that this Section 3.7 shall not apply to Primerica’s continued receipt of the Citi Service that consists of the ability to receive products or services, as
applicable, pursuant to the Enterprise License Agreements, which shall be governed by Section 10.1(c). 
  
 Section 3.8 No Adverse Effect. In providing the Services, no Party shall take any action that could reasonably be expected to
have a material adverse effect on the assets or business of the other Party or any of its Affiliates, or on the ability of the other Party to comply with its obligations under this Agreement, without obtaining such other Party’s prior written
consent. 
  
 ARTICLE IV 
 PAYMENT 
  
 Section 4.1 Base Term Fees. 
  
 (a) In consideration for the Citi Services and subject to Section 10.1(b) and Section 10.2(b)(ii), Primerica shall pay to Citi
(i) fees and costs for each such Citi Service or Additional Service (x) as determined in a manner consistent with the Historical Methodology or (y) as otherwise expressly agreed by the Parties prior to the Effective Date, or in the
case of an Additional Service, after the Effective Date (the “Base Cost”) plus (ii) to the extent not covered by the Base Cost, any reasonable out-of-pocket expenses incurred by Citi in providing the Citi Services, in
accordance with Citi’s existing expense policies, which are incidental to providing the Citi Services or Additional Services and are not incorporated in the Historical Methodology (together with the Base Cost, the “Citi Fees”);
provided that any out-of-pocket expenses shall be agreed upon in advance by the Parties unless such out-of-pocket expenses were passed through to Primerica or its subsidiaries in the ordinary course prior to the Effective Date. The
current Base Cost (or the methodology for determining the Base Cost) of each Citi Service is set forth on Schedule 2.1(a) and Schedule 2.1(b). 
  
 (b) In consideration for the Primerica Services, Citi shall pay to Primerica (i) fees and costs for each such Primerica Service or
Additional Service (x) as determined in a manner consistent with the Historical Methodology or (y) as otherwise expressly agreed by the Parties prior to the Effective Date, or in the case of an Additional Service, after the Effective Date
(the “Base Cost”) plus (ii) to the extent not covered by the Base Cost, any reasonable out-of-pocket expenses incurred by Primerica in providing the Primerica Services, in accordance with Primerica’s existing expense
policies, which are incidental to providing the Primerica Services or Additional Services and are not incorporated in the Historical Methodology (together with the Base Cost, the “Primerica Fees”); provided that any
out-of-pocket expenses shall be agreed upon in advance by the Parties unless such out-of-pocket expenses were passed through to Citi or its subsidiaries in the ordinary course prior to the Effective Date. The current Base Cost (or the
methodology for determining the Base Cost) of each Primerica Service is set forth on Schedule 2.2. 
  

 13. 

 Section 4.2 Adjustments to Base Cost. Notwithstanding anything to the contrary
set forth herein, but subject to the last sentence of this Section 4.2, each of Citi or Primerica, as service provider, may adjust the Base Cost of a Service provided by or on behalf of such Party once per calendar year, to the extent that such
cost increase is generally applicable to all recipients of such Service from such Party, including similar services provided to such Party’s Affiliates; provided that no such increase made by either Party shall be effective prior to
January 1, 2011. Notwithstanding the foregoing, with respect to any Base Cost of a Citi Service designated with a TSA ID beginning with “FF” on Schedule 2.1(a), Citi may not adjust such Base Cost except as mutually agreed by
the Parties. 
  
 Section 4.3 Billing and
Payment Terms. 
  
 (a) For each country in which
a Party provides Services to a recipient located in the same country: (i) such providing Party shall invoice the Party receiving such Services on a monthly basis (such invoice to set forth a description of the Services provided and reasonable
documentation to support the charges thereon) for all Services that such providing Party delivered during the preceding month, denominated in the local currency of such country, (ii) each such invoice shall be payable within sixty
(60) days after such receiving Party’s receipt of the invoice and (iii) payment of such invoices shall be made by such receiving Party to such providing Party in the local currency of the applicable country. Any Service for which the
foregoing process does not apply shall be invoiced by the Party providing such Service to the Party receiving such Service in accordance with the foregoing timetable and in U.S. Dollars, and shall be paid by the Party receiving such Services in
accordance with the foregoing timetable and in U.S. Dollars; provided, that the Party providing such Service and the Party receiving such Service may mutually agree to provide invoices and make payments in a different currency. 
  
 (b) If any undisputed invoice or undisputed
portion of an invoice is not paid in full within sixty (60) days after the date of the invoice, interest shall accrue on the unpaid amount at the annual rate equal to the “Prime Rate” as reported in The Wall Street Journal on
the thirtieth (30th) day after the date of the
invoice (or, if such day is not a Business Day, the first Business Day immediately after such day), calculated on the basis of a year of three hundred sixty (360) days and the actual number of days elapsed between the end of the sixty
(60) day period and the actual payment date. 
  
 (c) A Party may dispute any or all charges within ninety (90) days after the receipt of the applicable invoice. If a Party disputes any charges, the Parties shall work together in good faith to resolve such dispute in accordance with
Section 11.14. If the resolution of such a dispute is that a Party owes an amount of money to the other Party, the Party that owes money shall add a credit of such owed amount to the next invoice that such Party prepares as a Service provider,
provided, that if no further such invoices are due, the Party owing such amount shall pay it to the other Party within sixty (60) days following resolution of the dispute. A failure by a Party to

  

 14. 

 
dispute a charge within ninety (90) days after receipt of invoice shall not waive such Party’s audit and collection rights under Article V. 
  
 (d) The Parties acknowledge that there may be a lag in the
submission of charges from third parties relating to the provision of Services, and that the Party providing Services through such third parties shall use commercially reasonable efforts to obtain such third-party invoices, and to provide same to
the other Party, in a timely fashion. 
  
 (e) The
existence of a dispute pursuant to Section 4.3(c) above shall not excuse either Party from any other obligation under this Agreement, including each Party’s obligations to continue to provide Services hereunder. 
  
 Section 4.4 Sales Taxes. All consideration under
this Agreement is exclusive of any sales, transfer, value-added, goods or services tax or similar gross receipts based tax (including any such taxes that are required to be withheld, but excluding all other taxes including taxes based upon or
calculated by reference to income or capital) imposed against or on services provided (“Sales Taxes”) by a Party providing Services hereunder and such Sales Taxes will be added to the consideration where applicable. Such Sales Taxes
shall be separately stated on the relevant invoice to the Party receiving Services hereunder. All taxable goods and services for which a Party receiving Services hereunder is compensating, or reimbursing, a Party providing Services hereunder shall
be set out separately from non-taxable goods and services, if practicable. The Party receiving Services hereunder shall be responsible for any such Sales Taxes and shall either (a) remit such Sales Taxes to the Party providing Services
hereunder (and such providing Party shall remit the such amounts to the applicable taxing authority) or (b) provide such providing Party with a certificate or other acceptable proof evidencing an exemption from liability for such Sales Taxes.
In the event the Party providing Services hereunder fails timely to invoice Sales Taxes on taxable goods or services covered by this Agreement, such providing Party shall notify the Party receiving Services hereunder and such receiving Party shall
remit such Sales Taxes to such providing Party. 
  
 Section 4.5 No Offset. In no event shall a Party offset any amounts due hereunder for its receipt of Services by amounts owed to it hereunder for its provision of Services. 
  
 ARTICLE V 
 ACCESS AND SECURITY 
  
 Section 5.1 Access to Networks. 
  
 (a) Each Party may provide the other Party with access to such Party’s Network via a secure, industry-standard method selected by such
Party with reasonable input from such other Party, as necessary to provide or receive the Services, as applicable; provided, that the cost of providing access shall be charged in accordance with Section 4.1. 
  

 15. 

 (b) Each Party shall only use (and will ensure that its Personnel only use) the other
Party’s Network for the purpose of providing or receiving, and only to the extent required to provide or receive, the Services. 
  
 (c) Neither Party shall allow nor permit its agents or subcontractors to use or have access to the other Party’s Network except to the
extent that such other Party gives its express prior written approval for such use or access by each relevant agent or subcontractor. 
  
 (d) Neither Party shall (and shall ensure that its Personnel shall not): (i) use the other Party’s Network to develop software,
process data or perform any work or services other than for the purpose of providing or receiving the Services, (ii) break, interrupt, circumvent, adversely affect or attempt to break, interrupt, circumvent or adversely affect any security
system or measure of the other Party; (iii) obtain, or attempt to obtain, access to any hardware, program or data comprised in the other Party’s Network except to the extent reasonably necessary to perform or receive the Services; or to
which such other Party has given its prior written consent for such Party to obtain or attempt to obtain such access; or (iv) use, disclose or give access to any part of the other Party’s Network to any third party, other than its agents
and sub-contractors authorized by such other Party in accordance with this Section 5.1. All user identification numbers and passwords for a Party’s Network disclosed to the other Party, and any information obtained from the use of such
Party’s Network, shall be deemed Confidential Material of such Party. 
  
 (e) If a Party or any of its Personnel breach any provision of this Article, such Party shall promptly notify the other Party of such breach and cooperate as requested by such other Party in any
investigation of such breach. 
  
 (f) A material
failure to comply with the provisions of this Section 5.1 shall constitute a material breach of this Agreement. 
  
 Section 5.2 Policies and Procedures. 
  
 (a) When receiving Services, each Party shall (and shall ensure that its Personnel) comply with all policies, procedures and regulations of
the other Party relating to confidentiality, continuity of business and computer and network security measures, including data encryption policies and procedures established by such other Party, to the extent that such polices, procedures and
regulations have been disclosed to such Party. 
  
 (b) Each Party shall ensure that when entering or within the other Party’s premises, all such Party’s Personnel must establish their identity to the satisfaction of security Personnel and comply with all directions given by them,
including directions to display any identification cards provided by such other Party or to vacate the premises of such other Party. 
  

 16. 

 Section 5.3 Record Retention. Each Party shall take reasonable steps to preserve
and maintain all records relating to the Services provided hereunder, which records shall be retained by such Party or its Affiliates for the period of time specified in such Party’s record retention policies and procedures. 
  
 Section 5.4 Audit. 
  
 (a) Each Party may from time to time review or audit any
document, information or matter relating to the other Party’s performance under this Agreement through its own staff or through contractors, agents, auditors or advisers and will ensure that such persons are bound by a confidentiality provision
substantially similar to that contained in Article VI. 
  
 (b) Each Party, as service provider, will provide the other Party and its Personnel, auditors and advisers with such information, assistance and access to such Party’s premises, employees and documentation as is reasonable in order
that they may fully and promptly carry out each audit described in Section 5.4(a); provided, that: (i) such other Party will permit such Party the opportunity to deliver up any information required by such other Party prior to such
other Party carrying out any audit hereunder which may render an audit visit unnecessary; (ii) such access shall not unreasonably interfere with the conduct of the business of the Party providing access; and (iii) in the event any Party
reasonably determines that affording any such access to the other Party would be commercially detrimental in any material respect or violate any applicable Law or any agreement to which such Party is a party, or waive any attorney-client privilege
applicable to such Party, the Parties shall use reasonable efforts to permit the compliance with such request in a manner that avoids such harm or consequence. 
  

Section 5.5 Regulatory Audit. In addition to the rights set out above, each Party acknowledges and agrees that certain
government departments and regulatory, statutory and other entities, committees and bodies which, whether under Law or codes of practice or otherwise, are entitled to regulate, investigate or influence any matters within this Agreement or any other
affairs of the other Party (collectively, “Regulatory Bodies”) from time to time require the right, whether by virtue of Law or code of practice or otherwise, to investigate the affairs of such Party; and, accordingly, such Party
agrees to provide such access as is referred to in Section 5.4 and all such other access, information and assistance as such Regulatory Bodies properly require in order to fulfill such requirements. If the other Party considers that any
requirement relates to information which is confidential to such other Party, such other Party will be entitled to disclose the information directly to the Regulatory Body without having to disclose it to such Party. 
  

 17. 

 Section 5.6 Audit Results. 
  
 (a) Without prejudice to each Party’s other rights under
this Agreement, if a Party’s exercise of its rights under this Article V results in audit findings that the other Party has failed to perform its material obligations under this Agreement, such Party will make the audit findings available to
such other Party, and the Parties will use all reasonable efforts to agree to a remedial plan and a timetable for achievement of the planned actions or improvements. Following agreement of the timetable, such other Party will implement that plan in
accordance with the agreed timetable and will confirm its completion by a notice in writing to such Party. If such other Party fails to agree or implement such plan, such Party will be entitled to terminate this Agreement or any part thereof
pursuant to the provisions of Article X. 
  
 (b) If
a Party’s exercise of its rights under this Article V results in audit findings that any Fees have been overpaid by such Party, then upon receiving notice of such audit findings, the appropriate reduction will be made to the next applicable
invoice(s). If such audit findings show that such Party overpaid by five percent (5%) or greater, the other Party shall bear any costs associated with such audit. 
  

 Section 5.7 Sarbanes Oxley. At all times during the Term and continuing thereafter until the later of the
completion of the audit of the applicable Party’s financial statements or the completion and filing of the applicable Party’s annual report, in each case for the fiscal year during which this Agreement expires or terminates (the
“Compliance Period”), the other Party shall, and shall cause its Affiliates or third party service providers providing Services hereunder to: 
  

(a) maintain in effect all controls, operations and systems (consistent with past procedures immediately prior to the Effective Date)
necessary and appropriate to enable such Party to comply with their obligations under the Sarbanes Oxley Act of 2002 (as amended), the rules and regulations promulgated thereunder and the SEC guidance issued with respect thereto, including
Section 302 and Section 404 (the “Sarbanes Oxley Act”), the rules and regulations promulgated thereunder and the SEC guidance issued with respect thereto; 
  
 (b) provide to such Party or their auditors and counsel on a timely basis, all information, reports and other
material which such Party or its auditors or counsel may reasonably request in order to (i) evaluate and confirm that such Party is in compliance with its obligations under the Sarbanes Oxley Act, and (ii) enable such Party’s auditors
to provide the auditors’ attestation contemplated by Section 404 of the Sarbanes Oxley Act (“Auditors Attestation”); 
  
 (c) provide to the applicable Party and its auditor or counsel access to such of the other Party’s and its Affiliates’ respective
books and records and Personnel as the applicable Party may reasonably request to enable (i) the applicable Party or its auditors or counsel to evaluate whether the applicable Party complies with the

  

 18. 

 
Sarbanes Oxley Act as it relates to the Services, and (ii) the applicable Party’s auditors to provide the Auditors Attestation. The other Party will confirm the same information
regarding any Services delegated to subcontractors and report to the applicable Party. 
  
 ARTICLE VI 
 CONFIDENTIALITY 
  
 Section 6.1 Confidential Materials. Each Party shall
keep confidential and shall not, without the prior written consent of the other Party, make available or disclose to any person, or make or permit any use of Confidential Material by any person, any information or material of the other Party or its
Affiliates that is or has been (a) disclosed by such other Party or its Affiliates under or in connection with this Agreement, whether orally, electronically, in writing or otherwise, including copies, or (b) learned, acquired, or
generated by the other Party in connection with this Agreement, including the terms of this Agreement (collectively, “Confidential Material”). Notwithstanding the foregoing, Confidential Material may be disclosed on an as needed
basis to Personnel of the receiving Party as required for the purpose of fulfilling the receiving Party’s obligations under this Agreement. Each Party shall take all reasonable steps to require that any such Confidential Material disclosed to
any such Personnel in accordance with this Section 6.1 is treated as confidential by such Personnel and shall require its subcontractors to enter into a confidentiality agreement which imposes confidentiality obligations no less protective of
the Confidential Material than those imposed upon under this Agreement. The receiving Party will be liable to the disclosing Party for any non-compliance by its Personnel who are not employees or officers to the same extent it would be liable for
non-compliance by its employees or officers. 
  
 Section 6.2 Permitted Disclosures. The provisions of this Article shall not apply to any Confidential Material which: (a) is or becomes commonly known within the public domain other than by breach of this Agreement or any
other agreement that Citi or Primerica has with any third party; (b) is obtained from a third party who is lawfully authorized to disclose such information free from any obligation of confidentiality; or (c) is independently developed
without reference to any Confidential Material. 
  
 Section 6.3 Disclosure in Compliance with Law. Nothing in this Article shall prevent either Party from disclosing Confidential Material where it is required to be disclosed by judicial, administrative, governmental or regulatory
process in connection with any action, suit, proceeding or claim or otherwise by applicable Law; provided, however, that a Party that is so required to disclose Confidential Material shall, if legally permitted, give the other Party
prior reasonable notice as soon as possible, of such required disclosure so as to enable such other Party to seek relief from such disclosure requirement or measures to protect the confidentiality of the disclosure. 
  
 Section 6.4 Unauthorized Disclosures. Each Party
shall immediately inform the other Party in the event that it becomes aware of the possession, use or knowledge of any of such other Party’s Confidential Material by any person not authorized to possess, use or have knowledge of the
Confidential Material and shall at the

  

 19. 

 
request of such other Party provide such reasonable assistance as is required by such other Party to mitigate any damage caused thereby. 
  
 Section 6.5 Failure to Comply. Failure by a Party to
comply with this Article VI shall constitute a material breach of this Agreement. 
  
 Section 6.6 Injunctive Relief. Without prejudice to any other rights or remedies that a Party may have, each Party acknowledges that the other Party may not have an adequate remedy at law for
any breach by such Party or its Personnel of the provisions of this Article VI, and, therefore, any such other Party shall be entitled to equitable relief including injunctive relief. Each Party agrees to provide reasonable assistance at its own
expense or to join at the request of the other Party in any action against any of such Party’s staff where such other Party is seeking equitable relief, including injunctive relief, for any such breach. 
  
 ARTICLE VII 
 INTELLECTUAL PROPERTY AND DATA 
  
 Section 7.1 Ownership of Data and Intellectual Property. 
  
 (a) Citi shall be the sole and exclusive owner of all Intellectual Property it creates hereunder. Citi hereby
grants to Primerica Parties a non-exclusive, non-sublicensable, non-transferable, limited license to use such Intellectual Property during the Term, solely to the extent required to provide the Primerica Services or receive the Citi Services, as
applicable. 
  
 (b) Primerica shall be the sole and
exclusive owner of all Intellectual Property it creates hereunder. Primerica hereby grants to Citi Parties a non-exclusive, non-sublicensable, non-transferable, limited license to use such Intellectual Property during the Term, solely to the extent
required to provide the Citi Services or receive the Primerica Services, as applicable. 
  
 (c) All data created, transmitted through or maintained pursuant to a Service and on behalf of the Party receiving such Service (“Service Data”) shall be owned by such receiving Party and
following termination of this Agreement, the Party providing such Service shall store such data on behalf of the Party receiving the Service for the period of time specified in such Party’s record retention policies and procedures and shall,
upon such Party’s request, provide such Party with complete access to such data in a commercially reasonable manner. 
  
 (d) A Party receiving a Service may request that the Party providing a Service deliver (i) prior to the termination of a Service, an
extract of data for such Service to be used by the Party receiving the Service to test the ability of its replacement systems to perform such Service and (ii) on or prior to the date that is thirty (30) days following the effective date of
termination of a Service, a copy of all Service

  

 20. 

 
Data for such Service. In each case, the Party providing the applicable Service shall (y) use commercially reasonable efforts to provide the requested data promptly following receipt of such
request and (z) provide the requested data in its then-current format in accordance with Citi’s Transportable Media Policy. The Party providing the applicable Service shall bear the costs of providing one (1) copy of data for testing
purposes and one (1) final copy of Service Data with respect to each Service in accordance herewith, and the Party receiving a Service shall bear the costs of providing any other copies of data requested by such Party. 
  
 Section 7.2 Data Protection. To the extent
reasonably required by a Party to comply with any applicable Law (including interpretations or enforcements of applicable Law) relating to data protection, the Parties shall execute a written agreement sufficient to comply. 
  
 ARTICLE VIII 
 DISCLAIMER OF WARRANTIES 
  
 Section 8.1 Disclaimer of Warranties. EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, NEITHER PARTY MAKES, AND EACH PARTY
EXPRESSLY DISCLAIMS, ANY AND ALL REPRESENTATIONS OR WARRANTIES WHATSOEVER, WHETHER EXPRESS, IMPLIED OR STATUTORY, WITH RESPECT TO THE SERVICES TO BE PROVIDED UNDER THIS AGREEMENT, INCLUDING WARRANTIES WITH RESPECT TO MERCHANTABILITY, OR SUITABILITY
OR FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF ANY SOFTWARE OR HARDWARE PROVIDED HEREUNDER, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE OR TRADE USAGE. 
  
 ARTICLE IX 
 INDEMNIFICATION 
  
 Section 9.1 Indemnification of Primerica. Subject to the terms of this Article IX, from and after the Effective Date, Citi shall
indemnify, defend, save and hold harmless Primerica and its Affiliates and each of their respective Personnel and directors and each of their successors and assigns (collectively, the “Primerica Indemnified Parties”), from and
against any and all Losses (including such reasonable fees and expenses related to the enforcement of this Agreement), to the extent resulting from or arising out of any action, suit, proceedings, claim, arbitration, investigation or litigation,
whether civil or criminal, at law or in equity, made or brought by a third party that is not an Affiliate of the Indemnified Party (each, a “Third Party Claim”) to the extent resulting from or arising out of (a) Citi
Parties’ material breach of this Agreement or (b) infringement or misappropriation by the Services and materials provided by a Citi Party under this Agreement of such third party’s Intellectual Property. 
  
 Section 9.2 Indemnification of Citi. Subject to the
terms of this Article IX, from and after the Effective Date, Primerica shall indemnify, defend, save and

  

 21. 

 
hold harmless Citi and its Affiliates and each of their respective Personnel and directors and each of their successors and assigns (collectively, the “Citi Indemnified Parties”
and, together with the Primerica Indemnified Parties, the “Indemnified Parties”), from and against any and all any and all Losses (including such reasonable fees and expenses related to the enforcement of this Agreement), to the
extent resulting from or arising out of any Third Party Claim to the extent resulting from or arising out of (a) Primerica Parties material breach of this Agreement or (b) infringement or misappropriation by the Services and materials
provided by a Primerica Party under this Agreement of such third party’s Intellectual Property. 
  
 Section 9.3 Indemnification Procedures. 
  

(a) Upon receipt by an Indemnified Party of notice of any Third Party Claim with respect to a matter for which such Indemnified Party is
indemnified under this Article IX that has or is expected to give rise to a claim for Losses, the Indemnified Party shall promptly (but in any event within ten (10) days of receipt of such Third Party Claim) notify the Indemnifying Party in
writing, indicating the nature of such Third Party Claim and the basis therefor; provided, however, that any delay or failure by the Indemnified Party to give notice to the Indemnifying Party shall relieve the Indemnifying Party of its
obligations hereunder only to the extent, if at all, that it is prejudiced by reason of such delay or failure. Such written notice shall (i) describe such Third Party Claim in reasonable detail, including the facts underlying each particular
claim and the specific sections of this Agreement pursuant to which indemnification is being sought for each such set of facts; (ii) attach copies of all material written evidence upon which such claim is based; and (iii) set forth the
estimated amount of the Losses that have been or may be sustained by an Indemnified Party. 
  
 (b) The Indemnifying Party shall have sixty (60) days after receipt of a written notice that complies with the
requirements of Section 9.3(a) to elect, at its option, to exercise its right to assume and control the defense of, at its own expense and by its own counsel, any such Third Party Claim and shall be entitled to assert any and all defenses
available to the Indemnified Party to the fullest extent permitted by applicable Law; provided, however, that the applicable Party shall have sole control of the defense (including selecting counsel) of any Third Party Claim brought
against such Party by (i) any customer of such Party or (ii) any Regulatory Body or other supervisory agency, notwithstanding the fact that such Party is indemnified by the Indemnifying Party for such Third Party Claim pursuant to
Section 9.2; and provided, further, that, to the extent required to avoid any prejudice to the Indemnified Party’s rights or remedies with respect to such Third Party Claim, the Indemnified Party may conduct the defense of
such claim in any manner not otherwise inconsistent with this Agreement prior to the Indemnifying Party’s exercise of such right. For any such Third Party Claims, such Party shall not settle, compromise or discharge, or admit any liability with
respect to, such Third Party Claims without the prior written consent of the Indemnifying Party (which consent will not be unreasonably withheld, delayed or conditioned). 
  

 22. 

 (i) If the Indemnifying Party shall undertake to compromise or defend any
such Third Party Claim, it shall promptly notify the Indemnified Party of its intention to do so, and the Indemnified Party shall cooperate fully with the Indemnifying Party and its counsel in the compromise of, or defense against, any such Third
Party Claim. Such cooperation shall include (A) furnishing and, upon request, using reasonable efforts to procure the attendance of potential witnesses for interview, preparation, submission of witness statements and the giving of evidence at
any related hearing; (B) promptly furnishing documentary evidence to the extent available to it or its Affiliates; and (C) using reasonable efforts to provide access to any other relevant party, including any representatives of the Parties
as reasonably needed; provided, however, that the Indemnifying Party shall not settle, compromise or discharge, or admit any liability with respect to, any such Third Party Claim without the prior written consent of the Indemnified
Party (which consent shall not be unreasonably withheld or delayed), unless the relief consists solely of money Losses to be paid by the Indemnifying Party and includes a provision whereby the plaintiff or claimant in the matter releases the
Indemnified Party from all liability with respect thereto. 
  
 (ii) Notwithstanding an election by the Indemnifying Party to assume the defense of such Third Party Claim, the Indemnified Party shall have the right to employ separate counsel and to participate in the
defense of the Third Party Claim, and the Indemnifying Party shall bear the reasonable fees, costs and expenses of such separate counsel if the (A) Indemnified Party shall have determined in good faith that an actual or potential conflict of
interest makes representation by the same counsel or the counsel selected by the Indemnifying Party inappropriate or (B) Indemnifying Party shall have authorized the Indemnified Party to employ separate counsel at the Indemnifying Party’s
expense. 
  
 (iii) The Indemnified
Party and Indemnifying Party and their counsel shall cooperate in the defense of any Third Party Claim subject to this Article IX and keep such persons informed of all developments relating to any such Third Party Claims, and provide copies of all
relevant correspondence and documentation relating thereto. All costs and expenses incurred in connection with the Indemnified Party’s cooperation shall be borne by the Indemnifying Party. In any event, the Indemnified Party shall have the
right at its own expense to participate in the defense of such asserted liability. 
  
 (iv) If the Indemnifying Party, after receiving a written notice that complies with Section 9.3(a) of a Third Party
Claim, does not elect to defend such Third Party Claim within sixty (60) days after receipt of such written notice, the Indemnified Party shall have the right, in addition to any other right or remedy it may have hereunder, at the Indemnifying
Party’s expense, to defend such Third Party Claim (upon providing further written notice to the Indemnifying Party), subject to the right of the Indemnifying Party to (A) assume

  

 23. 

 
the defense of such Third Party Claim at any time prior to the settlement, compromise or final determination thereof and (B) approve the counsel selected by the Indemnified Party
(“Indemnified Party Counsel”), which approval shall not be unreasonably withheld or delayed; provided, however, that the Indemnified Party shall not settle, compromise or discharge, or admit any liability with respect
to any such Third Party Claim without the written consent of the Indemnifying Party (which consent shall not be unreasonably withheld or delayed). 
  
 (v) Notwithstanding the foregoing, unless expressly agreed by the Indemnifying Party, the Indemnified Party Counsel
(A) shall have no conflict of interest relative to the Indemnifying Party; (B) shall not previously have acted in any matter adverse to the Indemnifying Party with respect to any matters arising in connection with the transactions entered
into between the Parties concurrently with this Agreement; (C) shall not assume any representation adverse to the Indemnifying Party during the time of its retention as Indemnified Party Counsel; and (D) shall not assume any representation
of the Indemnified Party in a dispute between the Parties during the time of its retention as Indemnified Party Counsel. 
  
 (vi) If the Indemnified Party wishes to admit liability or agree or compromise in respect of any Third Party Claim it is
defending pursuant to Section 9.3(b)(iv), it must provide a written notification to the Indemnifying Party specifying the course of action proposed by the Indemnified Party to be taken (including the amount of any proposed settlement). If no
reply is received from the Indemnifying Party within thirty (30) days of such written notification being made to it by the Indemnified Party, then the Indemnifying Party shall be deemed to have consented to the course of action proposed by the
Indemnified Party to be taken; provided, however, that the Indemnified Party shall not consent, and the Indemnifying Party shall not be required to agree, to the entry into any settlement that (A) requires an express admission of
wrongdoing by the Indemnifying Party or (B) provides for injunctive or other non-monetary relief affecting the Indemnifying Party in any way. If the Indemnifying Party provides written notice to the Indemnified Party within the thirty
(30) day period that it does not consent to the intended course of action, it shall set out the reasons therefor, as well as the course of action which it believes should be followed in respect of any proposed admission of liability, agreement
or compromise with respect to the Third Party Claim. 
  
 (vii) If an Indemnified Party otherwise settles a Third Party Claim it is defending pursuant to Section 9.3(b)(iv) without obtaining the Indemnifying Party’s written consent to such settlement
(or waiting the required thirty (30) days), then the Indemnifying Party shall be relieved of its indemnification obligations hereunder with respect to such Third Party Claim unless the Indemnified Party demonstrates that (A) it was
actually liable to the Third Party claimant; (B) there was no good defense available; and (C) the settlement amount was reasonable; and if the Indemnified Party does demonstrate

  

 24. 

 
the matters listed in the foregoing clauses (A), (B) and (C), then any right to indemnification for such Third Party Claim shall be subject to the requirements and limitations of this
Article IX. 
  
 Section 9.4 Limitations.

  
 (a) Notwithstanding anything else contained in
this Agreement to the contrary, but subject to Section 9.4(c), each of Citi’s and Primerica’s total liability (other than for the payment of the Primerica Fees or Citi Fees, as applicable) under this Agreement shall not exceed,
(i) in the case of Citi, the aggregate amount of the Citi Fees payable by Primerica during the first twelve (12) months of the Term; provided, that if this Agreement has been in effect for less than twelve (12) months, the Citi
Fees shall be annualized to a full twelve (12) months or (ii) in the case of Primerica, the aggregate amount of the greater of: (x) the Primerica Fees payable by Citi during the first twelve (12) months of the Term;
provided, that if this Agreement has been in effect for less than (12) months, the Primerica Fees shall be annualized to a full twelve (12) months or (y) six hundred thousand dollars ($600,000). 
  
 (b) EXCEPT TO THE EXTENT OTHERWISE EXPRESSLY PROVIDED IN THIS
ARTICLE IX, NEITHER PARTY WILL BE LIABLE TO THE OTHER PARTY (OR TO ANY PERSON OR ENTITY CLAIMING THROUGH THE OTHER PARTY) FOR LOST PROFITS OR FOR SPECIAL, INCIDENTAL, INDIRECT, PUNITIVE, CONSEQUENTIAL OR EXEMPLARY DAMAGES ARISING OUT OF OR IN ANY
MANNER CONNECTED WITH THIS AGREEMENT OR THE SUBJECT MATTER HEREOF, REGARDLESS OF THE FORM OF ACTION AND WHETHER OR NOT SUCH PARTY HAS BEEN INFORMED OF, OR OTHERWISE MIGHT HAVE ANTICIPATED, THE POSSIBILITY OF SUCH DAMAGES. 
  
 (c) THE LIMITATIONS OF LIABILITY SET FORTH IN THIS
SECTION 9.4 SHALL NOT APPLY TO DAMAGES (i) ARISING OUT OF INDEMNIFICATION CLAIMS UNDER THIS AGREEMENT, (ii) RESULTING FROM THE GROSS NEGLIGENCE OR THE WILLFUL OR INTENTIONAL MISCONDUCT OF A PARTY OR ITS PERSONNEL, (iii) STEMMING
FROM PERSONAL INJURY, DEATH, OR PROPERTY DAMAGE CAUSED BY A PARTY OR ITS PERSONNEL, OR (iv) ARISING FROM EITHER PARTY’S BREACH OF ITS OBLIGATIONS SET FORTH IN ARTICLE IV OR ARTICLE VI. 
  
 Section 9.5 Exclusions. Notwithstanding anything
contained in this Agreement to the contrary, in no event shall any Indemnifying Party be obligated under this Article IX to indemnify an Indemnified Party otherwise entitled to indemnity hereunder in respect of any Losses to the extent that such
Losses result from (a) the Indemnified Party’s willful or intentional misconduct or negligence, (b) the acts or omissions of the Indemnified Party, (c) violation of Law by the Indemnified Party or (d) acts taken by the
Indemnifying Party at the Indemnified Party’s direction. 
  

 25. 

 Section 9.6 Payments. Amounts payable by the Indemnifying Party to the
Indemnified Party in respect of any Losses for which such Party is entitled to indemnification hereunder (“Indemnity Payments”) shall be paid in immediately available funds within thirty (30) Business Days of receipt by the
Indemnifying Party of a written notice from the Indemnified Party that the payment that is the subject of the Indemnity Payment has been made by the Indemnified Party, except to the extent such Indemnity Payment is contested by the Indemnifying
Party. All such Indemnity Payments shall be made to the designated account of, and in the manner specified in writing by, the Party entitled to such Indemnity Payments. 
  

 Section 9.7 Insurance. Notwithstanding anything contained in this Agreement to the contrary, Losses shall be net
of any insurance or other prior or subsequent recoveries actually received by the Indemnified Party or its Affiliates in connection with the facts giving rise to the claim for indemnification. If an Indemnified Party shall have used commercially
reasonable efforts to recover any amounts recoverable under insurance policies and shall not have recovered the applicable Losses, the Indemnifying Party shall be liable for the amount by which such Losses exceeds the amounts actually recovered.

  
 Section 9.8 Remedies Exclusive.
Except as otherwise specifically provided herein, the remedies provided in this Agreement shall be the exclusive monetary remedies (including equitable remedies that involve monetary payment, such as restitution or disgorgement, other than specific
performance to enforce any payment or performance due hereunder) of the Parties with respect to Third Party Claims, and Section 9.4 shall govern with respect to all other claims for monetary remedies, in each case from and after the Effective
Date in connection with any non-performance, partial or total, of any term, provision, covenant or agreement contained herein. 
  
 Section 9.9 Mitigation. Notwithstanding anything to the contrary contained in this Agreement, each Indemnified Party shall use
commercially reasonable efforts to mitigate any claim or liability that an Indemnified Party asserts or may assert under this Agreement. In the event that an Indemnified Party shall fail to make such commercially reasonable efforts to mitigate any
such claim or liability, then notwithstanding anything contained in this Agreement to the contrary, neither Citi nor Primerica, as the case may be, shall be required to indemnify any Indemnified Party for that portion of any Losses that would
reasonably be expected to have been avoided if the Indemnified Party had made such efforts. 
  

 26. 

 ARTICLE X 
 TERM AND TERMINATION 
  
 Section 10.1 Term of Agreement. Except as set forth below relating to the Citi Benefits Services or as otherwise expressly set forth in this Agreement, this Agreement shall become effective,
and each Service shall commence, on the Effective Date, and this Agreement shall remain in force, and each Service shall continue, unless otherwise specified in Schedule 2.1(a), Schedule 2.2, Section 10.1(b) or
Section 10.1(c), for a period of eighteen (18) months thereafter (the “Base Term”, and together with any Extension Term, First Benefits Extension Term or Second Benefits Extension Term, the “Term”), unless
earlier terminated by the Parties as provided in this Article X. Notwithstanding the foregoing, each Citi Benefits Service shall continue until July 1, 2010,1 unless (x) extended in accordance with Section 10.1(a) or otherwise specified in Schedule 2.1(b), or
(y) earlier terminated by the Parties as provided in this Article X. 
  
 (a) Except as set forth below relating to the Citi Benefits Services, not less than sixty (60), nor more than ninety (90), days prior to the expiration of the Base Term, Primerica or Citi, as applicable,
may notify the other Party if such Party determines in good faith that it will not be able to complete the transition from, or to replace, one or more Services prior to the expiration of the Base Term for such Services. Provided that such Party has
at all times performed its obligations under Section 3.7, the other Party shall continue to provide such Services, and, solely with respect to such Services, the term of this Agreement shall be extended for an additional period of up to six
(6) months each (the “Extension Term”); provided, that (i) such Party shall at all times use commercially reasonable efforts to minimize the duration of any such extension and (ii) such Party shall indemnify
the other Party for any reasonable expenses, payments, penalties or liabilities incurred by the other Party as a result of any such extension (which indemnification payments shall be in addition to any Fees which may be due as a result of such
extension). 
  
 (i) Not less than
thirty (30) days prior to the expiration of the Citi Benefits Services as set forth in Section 10.1, Primerica may notify Citi if Primerica determines in good faith that it will not be able to complete the transition from, or to replace,
one or more Citi Benefits Services prior to the expiration of the Citi Benefits Services. Provided that Primerica has at all times performed its obligations under Section 3.7, Citi shall continue to provide such Citi Benefits Services, and,
solely with respect to such Citi Benefits Services, the term of this Agreement shall be extended for an additional period of up to three (3) months (the “First Benefits Extension Term”); provided, that (1) Primerica
shall at all times use commercially reasonable efforts to minimize the duration of any such extension and (2) Primerica shall indemnify Citi for any reasonable 

	1	 	In the event that a Qualified IPO is not completed by May 14, 2010, the parties will discuss in good faith an adjustment to this date to reflect this, if
appropriate. 

  

 27. 

 
expenses, payments, penalties or liabilities incurred by Citi (but, for the avoidance of doubt, excluding underlying benefits costs under employee benefit plans and arrangements) as a result of
any such extension (which indemnification payments shall be in addition to any Fees which may be due as a result of such extension). 
  
 (ii) Not less than thirty (30) days prior to the expiration of the First Citi Benefits Extension Term as set forth in
Section 10.1(a)(i), Primerica may notify Citi if Primerica determines in good faith that it will not be able to complete the transition from, or to replace, one or more Citi Benefits Services prior to the expiration of the First Benefits
Extension Term and request a further extension of such Services. Provided that Primerica has at all times performed its obligations under Section 3.7, Citi shall continue to provide such Citi Benefits Services, and, solely with respect to such
Citi Benefits Services, the term of this Agreement shall be extended for an additional period of up to three (3) months (“Second Benefits Extension Term”); provided, that (1) Primerica shall at all times use
commercially reasonable efforts to minimize the duration of any such extension and (2) Primerica shall indemnify Citi for any reasonable expenses, payments, penalties or liabilities incurred by Citi (but for the avoidance of doubt, excluding
underlying benefits costs under employee benefit plans or arrangements) as a result of any such extension (which indemnification payments shall be in addition to any Fees which may be due as a result of such extension). 
  
 (b) Notwithstanding anything in this Agreement to the contrary,
in the event that, Citi, in its reasonable judgment, determines that the expiration of any one or more Citi Services would cause Citi or its Affiliates to be in non-compliance with the Bank Holding Company Act or any other bank regulatory law, rule,
regulation, guidance, order or directive, Citi may require the continuation of such Citi Service beyond the Base Term or Extension Term, as applicable, until such time as expiration thereof would no longer cause Citi or its Affiliates to be in such
non-compliance; provided that Primerica shall not be obligated to pay any Citi Fees in consideration of the receipt of such Citi Service from and after the date on which such Citi Service would have otherwise expired. From and after the First
Trigger Date, if Citi exercises the foregoing right, Primerica may instead elect to receive the relevant Citi Services from itself or a third party; provided that if Citi, in its reasonable judgment, determines that Primerica’s receipt
of the relevant Citi Services from Primerica or such third party would cause Citi or its Affiliates to be in non-compliance with the Bank Holding Company Act or any other bank regulatory law, rule, regulation, guidance, order or directive, Citi may
require that Primerica continue to receive such Citi Service from Citi beyond the Base Term or Extension Term, as applicable, until such time as expiration thereof would no longer cause Citi or its Affiliates to be in such non-compliance;
provided, further, that Primerica shall not be obligated to pay any Citi Fees in consideration of the receipt of such Citi Service from and after the date on which such Citi Service would have otherwise expired. Citi may exercise
either such continuation right by providing written notice to Primerica not less than thirty (30) days prior to the date such Service would otherwise expire, whether through expiration of the Base Term or the Extension Term. This Agreement
shall continue in full force and effect with respect to each such Citi

  

 28. 

 
Service. In the event of any dispute between Primerica and Citi regarding whether expiration of a Citi Service will cause Citi or its Affiliates to be in non-compliance with the Bank Holding
Company Act or any other bank regulatory law, rule, regulation, guidance, order or directive, such dispute shall be subject to the procedures set forth in that certain letter agreement between the Parties dated as of [    ] (the
“BHCA Side Letter”). 
  
 (c) This
Agreement shall remain in force with respect to the Citi Service that consists of Primerica’s ability to receive products or services, as applicable, pursuant to each Enterprise License Agreement until such time as the provisions of such
Enterprise License Agreement prohibit Primerica’s continued receipt of such Citi Service, provided that in no event shall the term of such Citi Service continue for more than four (4) years following the Effective Date. 

 
 Section 10.2 Termination. 
  
 (a) Termination by Citi or Primerica. This Agreement, or
any Service provided hereunder, as applicable, may be terminated by either Party (the “Terminating Party”) upon written notice to the other Party, if: 
  

 (i) the other Party fails to perform or otherwise breaches a material provision of this Agreement and such
failure or breach is not cured, to the reasonable satisfaction of the Terminating Party, within thirty (30) days of written notice thereof; provided, that the Parties first submit any such uncured failure or breach for resolution in
accordance with the procedures set forth in Section 11.14; 
  
 (ii) the other Party fails to perform or otherwise breaches a material provision of this Agreement, where such second failure or breach is substantially similar to a prior failure or breach by such other
Party, unless, within thirty (30) days of written notice of such subsequent failure or breach, such other Party has (A) cured such subsequent failure or breach to the reasonable satisfaction of such Party (if such failure or breach is
subject to cure) and (B) demonstrated, to such Party’s sole satisfaction, that such other Party has enacted remedial measures designed to prevent the failure or breach from occurring again; 
  
 (iii) the other Party makes a general
assignment for the benefit of creditors or becomes insolvent, or a receiver is appointed for, or a court approves reorganization or arrangement proceedings on, such Party; 
  
 (iv) performance of this Agreement or any Service provided hereunder has been rendered
impossible for a period of at least sixty (60) days by reason of the occurrence of any Force Majeure Event, or if any other event occurs that is reasonably deemed to permanently prevent the performance of this Agreement or any Service provided
hereunder; provided, however, that

  

 29. 

 
this Agreement may only be terminated under this Section 10.2(a)(iv) with respect to the affected Service; or 
  

 (v) required by any Governmental Authority, upon thirty (30) days’ notice or sooner if necessary;
provided, however, that prior to any such notice of termination, the Parties mutually agree that this Agreement cannot be amended in a manner that will satisfy such Governmental Authority without materially changing the effect or
intent of this Agreement. 
  
 (b) Partial
Termination. 
  
 (i) Subject to
Section 10.2(b)(ii), either Party may, as a Service recipient, on sixty (60) days’ written notice to the other Party, terminate any Service received by such Party, as applicable. Any such terminated Service shall be deleted from
Schedule 2.1(a), Schedule 2.1(b) or Schedule 2.2, as applicable, and the terminating Party shall have no obligation to continue to use or pay for any such Citi Service or Primerica Service, as applicable; provided,
however, that this Agreement shall remain in effect until the expiration of the Term, or until otherwise terminated pursuant to this Article X. Any termination notice delivered by either Party shall specify in detail the Service or Services
to be terminated, and the effective date of such termination. 
  
 (ii) Notwithstanding the foregoing, Citi may deny any such termination of a Citi Service requested by Primerica if Citi, in its reasonable judgment, determines that the termination of such Citi Service
would cause Citi or its Affiliates to be in non-compliance with the Bank Holding Company Act or any other bank regulatory law, rule, regulation, guidance, order or directive, provided that Primerica shall not be obligated to pay any Citi Fees
in consideration of the receipt of such Citi Service provided by Citi from and after the date on which such Citi Service would have otherwise been terminated. From and after the First Trigger Date, if Citi exercises the foregoing right Primerica may
instead elect to receive the relevant Citi Service from itself or a third party; provided, that if Citi, in its reasonable judgment, determines that Primerica’s receipt of the relevant Citi Services from Primerica or such third party
would cause Citi or its Affiliates to be in non-compliance with the Bank Holding Company Act or any other bank regulatory law, rule, regulation, guidance, order or directive, Citi may require that Primerica continue to receive such Citi Service from
Citi, until such time as termination thereof would no longer cause Citi or its Affiliates to be in such non-compliance; provided, further, that Primerica shall not be obligated to pay any Citi Fees in consideration of the receipt of
such Citi Service from and after the date on which Citi notifies Primerica that Citi must continue to provide such Citi Service to Primerica. Citi may exercise either of the foregoing rights with respect to a Citi Service by providing written notice
to Primerica not less than thirty (30) days after the receipt by Citi of Primerica’s partial termination request with respect to such Citi Service. In the event of any dispute between Primerica and

  

 30. 

 
Citi regarding whether expiration of a Citi Service will cause Citi or its Affiliates to be in non-compliance with the Bank Holding Company Act or any other bank regulatory law, rule, regulation,
guidance, order or directive, such dispute shall be subject to the procedures set forth in the BHCA Side Letter. 
  
 Section 10.3 Effect of Termination. In the event that this Agreement is terminated for any reason: 
  
 (a) Each Party agrees and acknowledges that the obligations of
each Party to provide the Services, or to cause the Services to be provided, hereunder shall immediately cease. Upon cessation of the applicable Party’s obligation to provide any Service, the Party receiving the Service shall stop using,
directly or indirectly, such Service. 
  
 (b) Upon
request, each Party shall, and shall cause its Affiliates and third parties (subject to the terms of such Party’s agreements with such third parties) retained by such Party or its Affiliates to, return to the other Party or, at the other
Party’s option, destroy (and certify to the destruction of) all tangible personal property and books, records or files owned by such other Party or its Affiliates or third parties and used in connection with the provision of Services that are
in their possession as of the termination date. 
  
 (c) Subject to Section 10.2(b)(ii), in the event that a Service recipient seeks to discontinue a Service without providing the sixty (60) day notice provided for herein, such Service recipient shall be responsible to the Service
provider for reasonable and proper termination charges, including all reasonable cancellation costs; provided, that the Service provider shall use commercially reasonable efforts to minimize such cancellation costs. 
  
 (d) The following matters shall survive the termination of this
Agreement (i) the rights and obligations of each Party under Section 5.3, Section 5.4, Section 5.5, Section 5.6, Section 5.7, Article VI, Article VII, Article VIII, Article IX, this Section 10.3 and Article XI and
(ii) the obligations under Article IV of each Party to pay the applicable Fees for Services furnished prior to the effective date of termination. 
  
 ARTICLE XI 
 MISCELLANEOUS 
  
 Section 11.1
Construction; Absence of Presumption. 
  
 (a)
For the purposes of this Agreement, (i) words (including capitalized terms defined herein) in the singular shall be held to include the plural and vice versa and words (including capitalized terms defined herein) of one gender
shall be held to include the other gender as the context requires; (ii) the terms “hereof,” “herein” and “herewith” and words of similar import shall, unless otherwise stated, be construed to

  

 31. 

 
refer to this Agreement as a whole (including all of the Schedules, Exhibits and Addenda) and not to any particular provision of this Agreement, and Article, Section, paragraph, Schedule, Exhibit
and Addendum references are to the Articles, Sections, paragraphs, Schedules, Exhibits and Addenda to this Agreement, unless otherwise provided; (iii) the word “including” and words of similar import when used in this Agreement shall
mean “including, without limitation”; (iv) references to this Agreement shall, unless otherwise stated, be construed to refer to this Agreement as a whole (including all Schedules, Exhibits and Addenda) and any amendments hereto or
thereto; (v) all references to any period of days shall be deemed to be to the relevant number of calendar days unless otherwise provided; and (v) all references herein to “$” or dollars shall refer to United States dollars,
unless otherwise provided. 
  
 (b) For the avoidance
of doubt, with respect to all references in this Agreement to “prior written consent, which shall not be unreasonably withheld, conditioned or delayed,” it shall be deemed reasonable for the applicable Party to withhold, condition or delay
any such consent because of requirements of Law or any objection from a Regulatory Body, including any guidance or other advice or direction communicated informally by Regulatory Bodies to the applicable Party. 
  
 (c) The Parties hereby acknowledge that each Party and its
counsel have reviewed and revised this Agreement and that no rule of construction to the effect that any ambiguities are to be resolved against the drafting Party shall be employed in the interpretation of this Agreement (including all of the
Schedules, Exhibits and Addenda) or any amendments hereto or thereto. 
  
 Section 11.2 Headings. The Article and Section headings contained in this Agreement are inserted for convenience of reference only and shall not affect the meaning or interpretation of this
Agreement. 
  
 Section 11.3 Notices. All
notices, demands and other communications required or permitted to be given to any Party under this Agreement must be in writing. Any such notice, demand or other communication will be deemed to have been duly given (i) when delivered by hand,
courier or overnight delivery service;(ii) two business days after deposit in the mail, provided such mail is sent certified or registered mail, return receipt requested and with first-class postage prepaid; or (iii) in the case of facsimile
notice, when sent and transmission is confirmed. Regardless of method, all such notices, demands and other communications must be addressed to the Party at its address or facsimile number set forth below (or at such other address or facsimile number
as the Party may furnish the other Party in accordance with this Section) and, must also be included in an email transmission using the email address provided below: 
  

			
	 (a)
	  	If to Citi:
		
	 	  	 CitiLife Financial Ltd.
 8
Janetville St.
 Brampton,
 Ontario
Canada L6P 2A3
 Attn: Reza Shah
 Phone:
(905) 794-9494
 Email address: Reza.Shah@citi.com

  

 32. 

			
		
	 	  	 Citi Operations & Technology
 283 King George Road, C-2
 Warren, NJ 07059
 Attn: Brad Tessler
 Phone:
(908) 563-0080
 Email address: tesslerb@citi.com

		
	 	  	With a copy to:
		
	 	  	 Skadden, Arps, Slate, Meagher & Flom LLP
 Four Times Square
 New York, New York 10036-6522
 Attn: Jeffrey Brill
 Facsimile: (917) 777-2587

 Email address: Jeffrey.Brill@skadden.com

		
	 (b)
	  	If to Primerica:
		
	 	  	 3120 Breckinridge Boulevard
 Duluth, GA 30099-0001
 Attn: President
 Facsimile: (770) 564-5669
 Email address: Glenn.Williams@Primerica.com

		
	 	  	With a copy to:
		
	 	  	 3120 Breckinridge Boulevard
 Duluth, GA 30099-0001
 Attn: General Counsel
 Facsimile: (770) 564-6216
 Email address:
Peter.Schneider@primerica.com

  
 Section 11.4 Governing Law. This Agreement shall be governed by and construed in accordance with the Laws of the State of New York applicable to

  

 33. 

 
agreements made and to be performed entirely within such state, without regard to the conflict of laws principles of such state. 
  
 Section 11.5 Jurisdiction; Venue; Consent to Service of Process. With respect to any action, suit
or other proceeding resulting from, relating to or arising out of this Agreement, each Party irrevocably and unconditionally submits to the exclusive jurisdiction of the United States District Court for the Southern District of New York or, if such
court will not accept jurisdiction, the Supreme Court of the State of New York or any court of competent civil jurisdiction sitting in New York County, New York (and each Party agrees not to commence any such action, suit or other proceeding except
in such courts). In any such action, suit or other proceeding, each Party irrevocably and unconditionally waives and agrees not to assert by way of motion, as a defense or otherwise any claims (a) that it is not subject to the jurisdiction of
the above courts, (b) that such action or suit is brought in an inconvenient forum or (c) that the venue of such action, suit or other proceeding is improper. Each Party also hereby agrees that any final and unappealable judgment against a
Party in connection with any such action, suit or other proceeding shall be conclusive and binding on such Party and that such award or judgment may be enforced in any court of competent jurisdiction, either within or outside of the United States. A
certified or exemplified copy of such award or judgment shall be conclusive evidence of the fact and amount of such award or judgment. With respect to any action, suit or other proceeding for which it has submitted to jurisdiction pursuant to this
Section, each Party irrevocably consents to service of process in the manner provided for the giving of notices pursuant to Section 11.3 of this Agreement. Nothing in this Section shall affect the right of any Party to serve process in any
other manner permitted by Law. The foregoing consent to jurisdiction shall not (a) constitute submission to jurisdiction or general consent to service of process in the State of New York for any purpose except with respect to any action, suit
or proceeding resulting from, relating to or arising out of this Agreement or (b) be deemed to confer rights on any person other than the respective Parties to this Agreement. 
  
 Section 11.6 Entire Agreement. This Agreement, together with all Schedules, Exhibits and Addenda
hereto and thereto, embody the entire agreement of the Parties hereto with respect to the subject matter hereof and supersede all prior agreements with respect thereto. The Parties intend that this Agreement shall constitute the complete and
exclusive statement of its terms and that no extrinsic evidence whatsoever may be introduced in any judicial proceeding involving this Agreement. 
  
 Section 11.7 Amendment, Modification and Waiver. No amendment to this Agreement shall be effective unless it shall be in writing
and signed by each Party hereto. Any failure of a Party to comply with any obligation, covenant, agreement or condition contained in this Agreement may be waived by the Party entitled to the benefits thereof only by a written instrument duly
executed and delivered by the Party granting such waiver, but such waiver or failure to insist upon strict compliance with such obligation, covenant, agreement or condition shall not operate as a waiver of, or estoppel with respect to, any
subsequent or other failure of compliance. 
  

 34. 

 Section 11.8 Severability. If any provision of this Agreement, or the
application of any such provision, is invalid, illegal or unenforceable in any jurisdiction, such invalidity, illegality or unenforceability shall not affect any other provision of this Agreement, or invalidate or render unenforceable such provision
in any other jurisdiction. To the extent permitted by applicable Law, the Parties waive any provision under Law that renders any provision of this Agreement invalid, illegal or unenforceable in any respect. The Parties shall, to the extent lawful
and practicable, use commercially reasonable efforts to enter into arrangements to reinstate the intended benefits, net of the intended burdens, of any such provision held invalid, illegal or unenforceable. 
  
 Section 11.9 Successors and Assigns; No Third Party
Beneficiaries. This Agreement and all its provisions shall be binding upon and inure to the benefit of the Parties and their respective permitted successors and assigns. Nothing in this Agreement, whether expressed or implied, will confer on any
person, other than the Parties or their respective permitted successors and assigns, any rights, remedies or liabilities; provided, that the provisions of Article IX will inure to the benefit of the Indemnified Parties. No Party may assign
its rights or obligations under this Agreement without the prior written consent of the other Party (which consent may not be unreasonably withheld or delayed) and any purported assignment without such consent shall be void; provided, that
Citi may, without the consent of Primerica, assign any or all of its rights, and its respective related obligations hereunder, to any of its Affiliates (although no such assignment shall relieve Citi of its obligations to Primerica or any Primerica
Indemnified Party hereunder). 
  
 Section 11.10
WAIVER OF JURY TRIAL. TO THE FULLEST EXTENT PERMITTED BY LAW, EACH OF THE PARTIES HERETO IRREVOCABLY WAIVES ALL RIGHT TO TRIAL BY JURY IN ANY ACTION, SUIT, PROCEEDING OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT OR ANY OF THE
TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. 
  
 Section 11.11 Expenses. Except as otherwise expressly stated in this Agreement, any costs, expenses, or charges incurred by any of the Parties shall be borne by the Party incurring such cost, expense or charge whether or not the
transactions contemplated by this Agreement shall be consummated. 
  
 Section 11.12 Counterparts. This Agreement may be executed by the Parties in multiple counterparts which may be delivered as an electronic copy or by facsimile transmission. Each counterpart
when so executed and delivered shall be deemed an original, and all such counterparts taken together shall constitute one and the same instrument. 
  
 Section 11.13 Relationship of the Parties. Each Party and its Affiliates, as applicable, shall be acting as an independent
company in performing under this Agreement, and shall not be considered or deemed to be an agent, employee, joint venturer or partner of the other Party or any of its Affiliates, as applicable. Each Party and its Affiliates, as applicable, shall, at
all times, maintain complete control over its Personnel and operations, and shall have sole responsibility for staffing, instructing and

  

 35. 

 
compensating its Personnel. Neither Party (nor its Affiliates, as applicable) shall have, or shall represent that it has, any power, right or authority to bind the other Party (or its Affiliates,
as applicable) to any obligation or liability, to assume or create any obligation or liability or transact any business in the name or on behalf of the other Party (or its Affiliates, as applicable), or make any promises or representations on behalf
of the other Party (or its Affiliates, as applicable), unless agreed to in writing. 
  
 Section 11.14 Dispute Resolution. Except as set forth in Section 10.1(b) and Section 10.2(b)(ii), in the event of any dispute, controversy or claim arising out of or relating to this
Agreement, or the breach, termination or validity thereof, including the dispute of any Fees invoiced under Article IV or any claim by any Party that any other Party has breached the material terms hereof (each, a “Dispute”), the
Service Coordinators of Citi and Primerica shall meet (by telephone or in person) no later than two Business Days after receipt of notice by any Party of a request for resolution of a Dispute. The Service Coordinators shall enter into negotiations
aimed at resolving any such Dispute. If the Service Coordinators are unable to reach mutually satisfactory resolution of the Dispute within ten (10) Business Days after receipt of notice of the Dispute, the Dispute shall be referred to an
executive committee comprised of at least one member of the senior management of each Party (the “Executive Committee”). The initial members of the Executive Committee, including relevant contact information, are set forth on
Schedule 11.14, and either Party may replace its Executive Committee members at any time with other representatives of similar seniority by providing notice in accordance with Section 11.3. The Executive Committee will meet (by telephone
or in person) during the next ten (10) Business Days and attempt to resolve the Dispute. If the Executive Committee is unable for any reason to resolve a Dispute within thirty (30) days after the receipt of notice of the Dispute, then
either party may submit the Dispute to arbitration in accordance with Section 11.15 hereof as the exclusive means to resolve such Dispute. 
  
 Section 11.15 Arbitration. 
  
 (a) Except as set forth in Section 10.1(b) and Section 10.2(b)(ii), any Dispute not resolved pursuant to Section 11.14 hereof
shall, at the request of either Party, be finally settled by arbitration administered by the American Arbitration Association (the “AAA”) under its Commercial Arbitration Rules then in effect (the “Rules”) except as
modified herein. The arbitration shall be held in New York, New York. 
  
 (b) There shall be three (3) arbitrators of whom each Party shall select one within fifteen (15) days of respondent’s receipt of claimant’s demand for arbitration. The two
party-appointed arbitrators shall select a third arbitrator to serve as Chair of the tribunal within fifteen (15) days of the selection of the second arbitrator. If any arbitrator has not been appointed within the time limits specified herein,
such appointment shall be made by the AAA in accordance with the Rules upon the written request of either party within fifteen (15) days of such request. The hearing shall be held

  

 36. 

 
no later than one hundred twenty (120) days following the appointment of the third arbitrator. 
  
 (c) The arbitral tribunal shall permit prehearing discovery that is relevant to the subject matter of the Dispute taking into account the
Parties’ desire that the arbitration be conducted expeditiously and cost effectively. All discovery shall be completed within sixty (60) days of the appointment of the third arbitrator. 
  
 (d) By agreeing to arbitration, the Parties do not intend to
deprive a court of its jurisdiction to issue a pre-arbitral injunction, pre-arbitral attachment, or other order in aid of arbitration proceedings and the enforcement of any award. Without prejudice to such provisional remedies as may be available
under the jurisdiction of a court, the arbitral tribunal shall have full authority to grant provisional remedies, to direct the Parties to request that any court modify or vacate any temporary or preliminary relief issued by such court, and to award
damages for the failure of any party to respect the arbitral tribunal’s orders to that effect. For the purpose of any provisional relief contemplated hereunder, the Parties hereby submit to the exclusive jurisdiction of the New York Courts.
Each Party unconditionally and irrevocably waives any objections which they may have now or in the future to the jurisdiction of the New York Courts including objections by reason of lack of personal jurisdiction, improper venue, or inconvenient
forum. 
  
 (e) The award shall be in writing, shall
state the findings of fact and conclusions of law on which it is based, shall be final and binding and shall be the sole and exclusive remedy between the Parties regarding any claims, counterclaims, issues, or accounting presented to the arbitral
tribunal. The arbitration shall be governed by the United States Arbitration Act, 9 U.S.C. § 1 et seq., and judgment upon any award may be entered in any court having jurisdiction. 
  
 (f) The Parties will bear equally all fees, costs,
disbursements and other expenses of the arbitration, and each Party shall be solely responsible for all fees, costs, disbursements and other expenses incurred in the preparation and prosecution of their own case; provided that in the event
that a Party fails to comply with the orders or decision of the arbitral tribunal, then such noncomplying Party shall be liable for all costs and expenses (including attorneys fees) incurred by the other Party in its effort to obtain either an order
to compel, or an enforcement of an award, from a court of competent jurisdiction. 
  
 (g) The arbitral tribunal shall have the authority, for good cause shown, to extend any of the time periods in this arbitration provision either on its own authority or upon the request of any of the
Parties. The arbitral tribunal shall be authorized in its discretion to grant pre-award and post-award interest at commercial rates. The arbitral tribunal shall have no authority to award punitive, exemplary or multiple damages or any other damages
not measured by the prevailing Parties’ actual

  

 37. 

 
damages. The arbitral tribunal shall have the authority to order specific performance or to issue any other type of temporary or permanent injunction. 
  
 (h) All notices by one Party to the other in connection with
the arbitration shall be in accordance with the provisions of Section 11.3 hereof, except that all notices for a demand for arbitration made pursuant to this Article XI must be made by personal delivery or receipted overnight courier. This
agreement to arbitrate shall be binding upon the successors and permitted assigns of each Party. This Agreement and the rights and obligations of the Parties shall remain in full force and effect pending the award in any arbitration proceeding
hereunder. 
  
 [Remainder of page intentionally left
blank] 
  

 38. 

 IN WITNESS WHEREOF, each Party hereto has caused this Agreement to be duly executed on its
behalf as of the day and year first above written. 
  

			
	CITIGROUP INC.
		
	By:	 	  

	 	 	Name:
	 	 	Title:
	
	PRIMERICA, INC.
		
	By:	 	  

	 	 	Name:
	 	 	Title:

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