Introduction to Primerica

9 Difficult to Replicate Business Model Variable cost structure enables high volume of small transactions Significant experience underwriting Term Life insurance for middle income market Exclusive independent contractor sales force Representatives are mostly part-time ~5,000 RVPs provide leadership and oversight in offices across North America 1 Extensive communications, training and pre-licensing infrastructure Cutting-edge sales tools and customized sales support Broad controls, supervision and surveillance PRIMERICAⓇ

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