Builders Compensation The Greatest Compensation System Ever Designed

Builders Compensation The Greatest Compensation System Ever Designed For internal use only. Not to be used with, or distributed to, the public.

190% Total Payout to the Field • • 2 The biggest contract in company history Primerica has never paid more money per $1 of premium. Plus… Equity Plus… Ownership See last slide for important information on bonuses and Primerica ’s Ownership opportunities. For internal use only. Not to be used with, or distributed to, the public.

Unprecedented in Financial Services • No other company in the financial services industry pays 190% to the field. • No other company does what’s right for the consumer 100% of the time. • There is NO other company like Primerica. 3 For internal use only. Not to be used with, or distributed to, the public.

It All Starts with… The Fast Start Bonus 3 x 3 in 30 days = $300 30 -Day Activity Requirement Time Frame Payment 1 x 1 + 2 x 2 = 3 x 3 Complete PFSU 60 days 90 days $100 $200 $300 from IBA Date Pass Notice Received Total • Gets new recruits in the field immediately • Creates momentum on the front end to drive your business • Continuous activity and momentum in the Base Shop Drives BOTH field training and licensing activity 4 See POL for program details and for Fast Start Bonus Supplement at POL Home tab/Compensation/Bonuses. For internal use only. Not to be used with, or distributed to, the public.

Fast Start Bonus Special Requirements Canada Puerto Rico • 1 x 1 in 30 Days From IBA Date • $100 Bonus When You Complete Prelicensing (Max. 60 Days) • Additional 2 x 2 in the Same 30 Days • Get an Additional $200 When Licensed (Max. 120 Days) Quebec • • 1 x 1 and Get Temp Licensed in 30 Days From IBA Date Get $100 Bonus Additional 2 x 2 in the Same 30 Days Get an Additional $200 When Permanent License Issued (Max 220 Days) Guam • 1 x 1 in 30 Days From IBA Date • $100 Bonus When You Register and Pay For Mutual Fund Class (Max. 90 Days) • Additional 2 x 2 in the Same 30 Days • Get An Additional $200 Bonus When Mutual Fund Licensed (Max. 120 Days) • • 1 x 1 in 30 Days From IBA Date $100 When You Get Licensed (Max 90 Days) 2 x 2 in the Same 30 Days Get an Additional $200 Bonus When Licensed (Max 90 Days) West Virginia In West Virginia, FTO credit is given for observing the presentation of an FNA; a copy of the FNA cover page must be submitted with the West Virginia — FTO form (FTO-WV). See POL in the Fast Start Bonus section for additional details. 5 For internal use only. Not to be used with, or distributed to, the public.

Biggest Base Shop Commission Contract Ever Level Writing RVP Spread Rep 25% 85% Sr. Rep 35% 75% DIS 50% 60% DIV 60% 50% RL 70% 40% SRL 80% 30% RVP 110% Total Base Shop Payout 110% • Huge spread up to 85% on your Base Shop • Massive cash flow opportunities for RVPs who build big Base Shops See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses. 6 For internal use only. Not to be used with, or distributed to, the public.

Plus 10% Base Shop Bonus Level Writing RVP Spread Rep 25% 85% Sr. Rep 35% 75% DIS 50% 60% DIV 60% 50% RL 70% 40% SRL 80% 30% RVP 110% Qualify for Base Shop Bonus at $10, 000 10% Total Base Shop Payout 120% • Qualify based upon one month of $10, 000 or a rolling 3 -month total of $30, 000. • Focus on building a Base Shop that builds RVPs, not just a monthly bonus. See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses. 7 For internal use only. Not to be used with, or distributed to, the public.

20 x 20 Base Shop Bonus Objectives • • Have an incentive to stretch at month end. Incent Base Shops to build teams that can produce RVPs. Incent production of recruits and premium to get better quality business. Incent a healthy big Base Shop mentality — The Ultimate RVP Factory. Requirements To Qualify • $20, 000 Base Shop Premium and 20 Base Shop recruits in one month or • Average 20 x 20 over a rolling 3 months Reward • Increase to a 20% Total Base Shop Bonus 8 See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses. For internal use only. Not to be used with, or distributed to, the public.

Focus on Building a Business It all could start if you only do this — recruit 4 who get 2 who get 1: YOU Grow your team every month so you can do 20 x 20 from now on. 9 For internal use only. Not to be used with, or distributed to, the public.

Focus on Building a Business Explode your business by getting your new recruits engaged with the Fast Start Bonus. YOU Now you have a system to grow and build your business. 10 See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses. For internal use only. Not to be used with, or distributed to, the public.

20% Base Shop Bonus Mentality • Focus on building and retaining new recruits. • Focus on building new legs. • Focus on building a team: – – – Grow Grow meeting attendance. recruiting. premium. advancements. cash flow. See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses. 11 For internal use only. Not to be used with, or distributed to, the public.

130% Base Shop Payout to the Field • 10% raise on Base Shop compensation. • The perfect balance between bonuses and points. • The biggest Base Shop commission payout in company history. See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses. 12 For internal use only. Not to be used with, or distributed to, the public.

Build an RVP Factory • There has never been anything like the Primerica 130% Base Shop payout. • You can earn more money than ever bringing a new RVP into the business — huge spread. • There has never been a better time to build strong, profitable RVPs. 13 For internal use only. Not to be used with, or distributed to, the public.

Massive Generational Override Commissions Level Overrides 1 st 15% 2 nd 10% 3 rd 5% 4 th 1. 75% 5 th 0. 75% 6 th 0. 75% Total Generational Overrides 33. 25% • It pays to build RVPs through 6 Generations. • The more RVPs you build, the BIGGER your bottom line. • No other company pays generational overrides like Primerica. 14 See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses. For internal use only. Not to be used with, or distributed to, the public.

Leadership Development Bonus on 1 st Generation RVPs Bonus Qualification Requirements (1 -month or 3 -month Average) Cumulative Leadership Bonus* Qualify as an RVP $10, 000 Base Shop 10% Qualify as an SVP $50, 000 Thru 1 st + $10, 000 Base Shop 17% Qualify as an NSD $100, 000 Thru 2 nd + $10, 000 Base Shop 21% Qualify as an SNSD $250, 000 Thru 3 rd 23% • You always get the Bonus you qualify for at 1 st Generation — from RVP to SNSD. • You make more money by growing your business and helping every RVP to SNSD on your team qualify for their bonuses. • All non-qualified bonuses will automatically roll to the next qualified upline and stay within the hierarchy at 2 nd at 3 rd. • Every leader should be focused on their next Qualified Promotion. 15 * Cumulative bonus rate if qualify for all lower levels, too. See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses. For internal use only. Not to be used with, or distributed to, the public.

Power Builders Bonus Objectives • Reward builder who is producing 1 st Generation premium. • Pay based on either thru 1 st or at 1 st premium – If you qualified for the 20 x 20 Base Shop bonus you are paid on your at 1 st premium Requirements To Qualify • • Qualified SVP or above Average $20 K Base and $75 K through 1 st Based on a rolling 3 or 12 month average base shop Or qualify as a “QSNSD builder” Reward • All 20 x 20 base shop qualifiers receive 7. 5% bonus at 1 st • Other Power Builder qualifiers receive 7. 5% bonus thru 1 st See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses. 16 For internal use only. Not to be used with, or distributed to, the public.

Power Builders Bonus on 1 st Generation RVPs Bonus Qualification Requirements (1 -month or 3 -month Average) Cumulative Leadership Bonus* + 7. 5% Power Builders Bonus Qualify as an RVP $10, 000 Base Shop 10% — Qualify as an SVP $50, 000 Thru 1 st + $10, 000 Base Shop 17% 24. 5% Qualify as an NSD $100, 000 Thru 2 nd + $10, 000 Base Shop 21% 28. 5% Qualify as an SNSD $250, 000 Thru 3 rd 23% 30. 5% • SVPs and up should focus on running a 20 x 20 Base Shop. • Stretch to become a Power Builder and grow your Bonuses by an additional 7. 5%. • Be on a mission to advance 1 st Generation RVPs. 17 * Cumulative bonus rate if qualify for all lower levels, too. See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses. For internal use only. Not to be used with, or distributed to, the public.

Awesome 1 st Generation Bonuses and Overrides Bonus on 1 st Generation RVPs Bonus Qualification Requirements (1 -month or 3 -month Average) Cumulative Leadership Bonus* + 7. 5% Power Builders Bonus + 15% Overrides At 1 st Qualify as an RVP $10, 000 Base Shop 10% — 25. 0% Qualify as an SVP $50, 000 Thru 1 st + $10, 000 Base Shop 17% 24. 5% 39. 5% Qualify as an NSD $100, 000 Thru 2 nd + $10, 000 Base Shop 21% 28. 5% 43. 5% Qualify as an SNSD $250, 000 Thru 3 rd 23% 30. 5% 45. 5% Maximize Compensation: • Focus on your next Qualified Promotion. • Get a huge payout for producing 1 st Generation RVPs. 18 * Cumulative bonus rate if qualify for all lower levels, too. See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses. For internal use only. Not to be used with, or distributed to, the public.

Qualified SNSD Builders Bonus Objectives • Pay an Additional Bonus to leaders who produce 2+ direct Qualified SNSDs. • Incent these leaders to continue to build. • Have people aspire to be Qualified SNSD builders. Requirements To Qualify • • Must be a Qualified SNSD Produce 2 Direct Qualified SNSDs Average $75, 000 Thru 1 st and $300, 000 Thru 2 nd Based on a rolling 3 or 12 month average Thru 1 st Reward • 5% Bonus on net At 2 nd premium – Thru 2 nd minus Thru 1 st to determine gross at 2 nd and then net using Thru 2 nd QBI • 7. 5% on net At 1 st – Note: Do not double pay if QSNSD builder already qualified for Power Builder Bonus See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses. 19 For internal use only. Not to be used with, or distributed to, the public.

The Greatest Compensation System Ever Designed • • Fast Start Bonus — drives field training and licensing Largest Base Shop Contract ever — 110% Biggest Base Shop Payout in history — 130% Unmatched Generational Overrides — 33. 25% Revolutionary Leadership Development Bonus — up to 23% for SNSDs Power Builders Bonus — additional 7. 5% at 1 st Awesome combination of Bonuses and Overrides — up to 45. 5% for SNSDs on their 1 st Generation RVPs forever • Qualified SNSD Builders Bonus — 5% on net at 2 nd premium 190% + Equity + Ownership 20 See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses. For internal use only. Not to be used with, or distributed to, the public.

It Pays to Become an RVP Fact: You make more money as an RVP — even after replacement. $20 k Base Shop Regional Leader* $63, 527 Advance to RVP, make a $10 k replacement… *Assumes generating monthly premium of $5, 000 in personal, District Leaders generating $5, 000 and Division Leaders generating $10, 000, yielding $3, 444/mo. in life commissions; $1, 850/mo. in securities commissions, for total commissions of $5, 294/mo. Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1 st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12 -month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6, 088 per life licensed representative. 21 For internal use only. Not to be used with, or distributed to, the public.

10 x 10 — $100, 000 RVP with $10 k Base Shop and $5 k Personal As a 10 x 10 RVP, you start building your own RVP Factory and almost double your income: $100, 389 RVP gets $700 from Base Shop Bonus Focus: RVP $10 k Base Get 1 st RVP ($5 k Personal) 50% Spread 60% Spread Annual Income* *Assumes generating monthly premium of $5, 000 in personal, District Leaders generating $2, 500 and Division Leaders Direct Division generating $2, 500, yielding $5, 166/mo. in life commissions; $2. 5 k $2, 500/mo. in securities commissions, for total commissions of $7, 666/mo. ; $700/mo. from bonuses with 70% QBI. Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1 st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12 -month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6, 088 per life licensed representative. 22 For internal use only. Not to be used with, or distributed to, the public. Direct District $2. 5 k

20 x 20 — $150, 000 RVP with $20 k Base Shop and $5 k Personal Become a 20 x 20 RVP and keep the pipeline full: RVP gets $2, 800 from Base Shop Bonus $150, 844 *Assumes generating monthly premium of $5, 000 in personal, District Leaders generating $7, 500 and Division Leaders generating $7, 500, yielding $7, 670/mo. in life commissions; $2, 100/mo. in securities commissions, for total commissions of $9, 770/mo. ; and $2, 800/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI. Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1 st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12 -month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6, 088 per life licensed representative. 23 Direct Division $2. 5 k Get 1 st RVP ($5 k Personal) 50% Spread Annual Income* Focus: RVP $20 k Base 40% Spread Direct Division $5 k For internal use only. Not to be used with, or distributed to, the public. Direct Regional $7. 5 k

$200, 000 RVP with $20 k Base Shop and $10 k 1 st Generation RVP Start building RVPs, grow your business and your income: $200, 150 Annual Income* 24 RVP gets $2, 800 from Base Shop Bonus and $700 from Leadership Development Bonus 15% 1 st Override 10% RVP Bonus 25% Total RVP $20 k Base Focus: Build to SVP ($5 k Personal) 50% Spread 60% Spread *Assumes generating monthly premium of $5, 000 in personal, one 1 st RVP generating $10, 000, District Leaders generating $5, 000, Regional Division District #1 District #2 Division Leaders generating $5, 000 and Regional Leaders generating $5, 000, yielding $9, 079/mo. $5 k $2. 5 k 1 st Gen RVP in life commissions; $4, 100/mo. in securities $10 k commissions, for total commissions of $13, 179/mo. ; and $3, 500/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI. Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1 st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12 -month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6, 088 per life licensed representative. For internal use only. Not to be used with, or distributed to, the public.

$250, 000+ RVP with $40 k Base Shop and $5 k Personal Grow a BIG Base Shop and a BIGGER income: RVP gets $5, 600 from Base Shop Bonus $250, 190 25 Direct Division $5 k Focus: Get 1 st RVP ($5 k Personal) 50% Spread Annual Income* *Assumes generating monthly premium of $5, 000 in personal, Division Leaders generating $15, 000 and Regional Leaders generating $20, 000, yielding $13, 149/mo. in life commissions; $2, 100/mo. in securities commissions, for total commissions of $15, 249/mo. ; and $5, 600/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1 st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12 -month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6, 088 per life licensed representative. RVP $40 k Base 40% Spread Direct Division $10 k For internal use only. Not to be used with, or distributed to, the public. Direct Regional $20 k

$300, 000 SVP — The Ownership Position $50 k thru 1 st SVP with 3 1 sts doing $30 K and $20 k Base Shop Build a team, generate a big income and qualify for Ownership: $301, 947 Annual Income* 26 SVP gets $2, 800 from Base Shop Bonus and $3, 570 from Leadership Development Bonuses SVP $20 k/$50 k 15% 10% 7% 32% Focus: Build to Power Builder Bonus Level 1 st Override RVP Bonus SVP Bonus Total RVP *Assumes generating monthly premium of $2, 500 in personal, with three 1 st RVP generating $30, 000, direct Division Leaders generating $7, 500 and direct Regional Direct #1 Direct #2 Direct #3 Leaders generating $10, 000, yielding $9, 393/mo. in life $10 k commissions; $9, 400/mo. in securities commissions, for total commissions of $18, 793/mo. ; and $6, 370/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI. Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1 st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12 -month period. The Ownership Program is subject to terms, conditions and applicable regulatory requirements. Please see POL Home tab/Ownership for the program documents and policies, which control in all respects. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6, 088 per life licensed representative. For internal use only. Not to be used with, or distributed to, the public.

$425, 000 Power Builder SVP $75 k thru 1 st SVP with average $20 k Base Shop Become a Power Builder and grow your income: $425, 498 Annual Income* SVP gets $4, 200 Base Shop Bonus, $2, 363 from At 1 st Power Builder and $5, 355 from Leadership Development Bonuses SVP $30 k/$75 k 15. 0% 10. 0% 7. 5% 39. 5% 1 st Override RVP Bonus SVP Bonus Power Builder Total Focus: Build to NSD *Assumes generating monthly premium of $5, 000 in personal, with three 1 st RVP generating $45, 000, direct District Leaders generating $7, 500, direct Division Leaders generating $7, 500 and direct Regional Leaders generating $10, 000 in premium, yielding $15, 341/mo. in life Direct #1 Direct #2 Direct #3 commissions; $8, 200/mo. in securities commissions, for $15 k total commissions of $23, 541/mo. ; and $11, 918/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI. Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1 st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12 -month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6, 088 per life licensed representative. 27 For internal use only. Not to be used with, or distributed to, the public.

$750, 000 Power Builder NSD $195 k thru 2 nd NSD with $20 k Base Shop Become an NSD and build a Cash Flow Machine: $754, 298 Annual Income* 28 $2, 800 Base Bonus $3, 938 Power Builder $16, 275 Leadership Development Bonus NSD $20 k/$195 k thru 2 nd 15% 7. 5% 10% 7% 4% 43. 5% Focus: Build to SNSD 1 st Override Power Builder RVP Bonus SVP Bonus NSD Bonus Total *Assumes generating monthly premium of $5, 000 in SVPs RVP RVP RVP personal, with six 1 st RVP generating $75, 000, eight 2 nd $20 k $15 k $10 k RVPs generating $100, 000, direct District Leaders generating $5, 000, direct Division Leaders generating 10% 2 nd Override $5, 000 and direct Regional Leaders generating $5, 000 in 10% 2 nd Override 7% SVP Bonus premium, yielding $21, 341/mo. in life commissions; 4% NSD Bonus $18, 400/mo. in securities commissions, for total 14% Total 21% Total commissions of $39, 846/mo. ; and $23, 013/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI. Assumes all products remain in force for 12 months. RVP RVP Commissions include cash flow that is received over 12 $20 k $15 k $10 k months from month of sale, with 75% advance of 1 st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12 -month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6, 088 per life licensed representative. For internal use only. Not to be used with, or distributed to, the public. RVP $10 k

$1, 000 Power Builder SNSD $260 k Total Hierarchy SNSD with $20 k Base Shop Become an SNSD and maximize compensation: $1, 017, 109 Annual Income* 29 $2, 800 Base Shop Bonus $6, 300 Power Builder $27, 300 Leadership Development Bonus SVPs Producing $60 k SNSD $260 k Hierarchy 15. 0% 7. 5% 10. 0% 7. 0% 4. 0% 2. 0% 45. 5% 1 st Override Power Builder RVP Bonus SVP Bonus NSD Bonus SNSD Bonus Total *Assumes generating monthly premium of $2, 500 in personal, with twelve 1 st RVP generating $120, 000, 10% 2 nd Override twelve 2 nd RVPs generating $120, 000, direct Division 4% NSD Bonus Leaders generating $7, 500 and direct Regional Leaders 2% SNSD Bonus generating $10, 000 in premium, yielding $25, 360/mo. in 16% Total life commissions; $23, 000/mo. in securities commissions, for total commissions of $48, 360/mo. ; and $36, 400/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI. Assumes all products remain in force for 12 months. 2 nd Generation RVPs Commissions include cash flow that is received over 12 doing $60 k months from month of sale, with 75% advance of 1 st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12 -month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6, 088 per life licensed representative. For internal use only. Not to be used with, or distributed to, the public. Focus: Build deep and wide to maximize comp Qualified RVPs doing $60 k 10% 7% 4% 2% 23% 2 nd Override SVP Bonus NSD Bonus SNSD Bonus Total 2 nd Generation RVPs doing $60 k

$1, 500, 000 Power Builder SNSD $450 k Total Hierarchy SNSD with $50 k Base Shop Build it BIG and generate a HUGE income: $1, 504, 852 Annual Income* 30 $7, 000 Base Shop Bonus $10, 500 Power Builder $45, 500 Leadership Development Bonus SVPs Producing $100 k SNSD $450 k Hierarchy 15. 0% 7. 5% 10. 0% 7. 0% 4. 0% 2. 0% 45. 5% 1 st Override Power Builder RVP Bonus SVP Bonus NSD Bonus SNSD Bonus Total *Assumes generating monthly premium from: twenty 1 st RVP generating $200, 000, twenty 2 nd RVPs generating 10% 2 nd Override $200, 000, direct Division Leaders generating $10, 000, 4% NSD Bonus direct Regional Leaders generating $20, 000 in premium 2% SNSD Bonus and direct Senior Regional Leaders generating $20, 000 in 16% Total premium, yielding $43, 205/mo. in life commissions; $19, 200/mo. in securities commissions, for total commissions of $62, 405/mo. ; and $63, 000/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI. 2 nd Generation RVPs Assumes all products remain in force for 12 months. doing $100 k Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1 st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12 -month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6, 088 per life licensed representative. For internal use only. Not to be used with, or distributed to, the public. Focus: Build deep and wide to maximize comp Qualified RVPs doing $100 k 10% 7% 4% 2% 23% 2 nd Override SVP Bonus NSD Bonus SNSD Bonus Total 2 nd Generation RVPs doing $100 k

Additional Notes: No commissions are earned except upon product sales. Premium reflected is Gross Bonusable Premium. Contract advancement is subject to being in good standing with each Primerica Company. Examples assume sales of Custom Advantage 30 -year policy, issue ages 26 -45 and QBI of 70%. For bonuses and commissions, all usual compensation system rules apply. See POL Home/Compensation tab for additional details on the commissions and bonuses. The percentages reflecting a total payout refer to the Company payments, but commissions and bonuses are not calculated in the same manner (for example, bonuses are based on bonusable premium and subject to QBI, but not chargebacks and commissions are based on commissionable premium and subject to chargebacks but not QBI, etc. ). Equity: Please see the RVP Equity Opportunity Program Document under the POL Home Tab/Compensation/Equity on POL for additional important details. Ownership: The Ownership Program is subject to terms, conditions and applicable regulatory requirements. Please see POL for the Ownership Program documents and policies, which control in all respects. Important Earnings Disclosure: The cash flows stated are not intended to demonstrate the earnings of typical RVPs. Rather, the cash flows that have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs do not achieve the levels illustrated. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average pf $6, 088 per life licensed representative. Average cash flow includes commissions paid on all lines of business, and reflects combined U. S. and Canadian dollars remaining in the local currency earned by the representative. Exchange rates fluctuate daily and could impact the average. Most Primerica Representatives are pat time and generate compensation that supplements their primary income. Primerica representatives earn income through the sale of products. Representatives are not paid to recruit. Primerica Representatives are independent contractors and are not employees of Primerica. © 2013, 2017 Primerica/53133/2. 17/15 POL 340 -3 31 For internal use only. Not to be used with, or distributed to, the public.