U.S. ONLY

Appropriately licensed sales representatives may also offer products or services of other non-affiliated companies, which include:

SERVICE PROVIDER DISCLOSURES – U.S. ONLY

PRIMERICA GENERAL & RECRUITING DISCLOSURES – CANADA ONLY

PRIMERICA PRODUCT & SERVICE DISCLOSURES – CANADA ONLY

OTHER PRODUCTS & SERVICES – CANADA ONLY

CANADA ONLY

Primerica, Inc. is a public company listed on the New York Stock Exchange (PRI). Primerica, Inc. is a leading provider of financial products to middle-income households in the United States and Canada through licensed sales representatives. These independent licensed representatives assist clients in meeting their needs for term life insurance, which we underwrite, and mutual funds, annuities, managed investments, segregated funds (in Canada) and other financial products, which we distribute primarily on behalf of third-parties.

Primerica, Inc. conducts its core business activities through companies in the United States and Canada that are direct or indirect wholly owned subsidiaries of Primerica, Inc. (the subsidiaries together with Primerica, Inc., collectively referred to as "Primerica"). Primerica markets its financial service products in the United States and Canada through its independent contractor representatives. Each subsidiary of Primerica, Inc., and not Primerica, Inc., is responsible for its own obligations to its customers.

Primerica offers a business opportunity that involves the sale of term life insurance, securities, and various other financial products. Sales representatives are independent contractors, not employees. Their earnings are based on the sale of products offered by Primerica and also qualifying product referrals. Importantly, for many product lines, sales representatives must obtain required licenses before the representatives may sell those products.

From January 1 through December 31, 2023, Primerica paid our life-licensed sales force members an average of $7,118, reflected in local currency, unadjusted for exchange rates. Representatives typically pay an initial fee of $99 USD to provide for training and licensing and also may incur ongoing personal expenses to conduct business. Our representatives earn varying levels of income and the cash flow shown reflects an extraordinary level of success that is not typical of the sales force.

New representatives affiliating with Primerica must complete the Independent Business Application (IBA) and pay a one-time fee of $99 in the U.S. or $103.95 (includes applicable taxes) in Canada.

New representatives of the Primerica sales force who have questions concerning the IBA fees should refer to their IBA. For additional IBA fee questions, send email to:

• U.S. inquiries email: us.iba.refunds@primerica.com
• Canada inquiries email: canada_agencysupport@primerica.com

Primerica Online (POL) is an intranet website that provides sales representatives with access to tools and resources to help them grow their businesses. A Full-Service subscription to POL is required to access its full range of information and functionality. Initially, Full Service POL costs $25 per month for representatives in the U.S. and $28 per month for sales representatives in Canada. POL can be accessed without charge to access more limited information, e.g., compensation and compliance information.

For questions regarding POL fees, send email to:

• U.S. inquiries email: pol_billing@primerica.com
• Canada inquiries email: canada_agencysupport@primerica.com

For those individuals with questions pertaining only to recruiting by Primerica representatives, send email to:

• U.S. inquiries email: us_marketingadvisory@primerica.com
• Canada inquiries email: canada_agencysupport@primerica.com

"Ownership" refers to the conditional right of an eligible Regional Vice President (RVP) to transfer his or her business to another eligible RVP, subject to the consent of Primerica and subject to terms, conditions and regulatory requirements. The Ownership Program Document and policies located on POL control in all respects.

The Partnership Empowerment Program (PEP) is a recognition program for supportive partnering among sales representatives. It does not signify a business or legal partnership. PEP cannot affect, combine or alter contractual compensation, hierarchical agreements or Ownership issues.

The Primerica Newsroom may include unedited articles about Primerica written by third-party news organizations. These organizations are not affiliated with Primerica. The articles are included for information purposes only.

Life-licensed sales representatives are agents of the Primerica insurance companies:

• In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, New York.
• In the U.S. (except in New York), term life insurance products are underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, Georgia.

• In the U.S., securities and advisory services are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001, member FINRA [www.finra.org].
• PFS Investments Inc. conducts its advisory business under the name Primerica Advisors.

PFS Investments Inc. ("PFSI") and Primerica Brokerage Services, Inc. ("PBSI") have developed Business Continuity Plans that address how we will respond to events that significantly disrupt our business. PFSI and PBSI maintain off-site storage arrangements for critical data as well as an off-site back-up facility that is equipped to sustain critical operations. In case of a disruption affecting only PFSI and PBSI's Duluth, Georgia headquarters, we will transfer our operations to our off-site facility, if needed. In case of a disruption affecting our entire region, PFSI and PBSI will work to recover and resume operations as soon as possible. In either situation, PFSI and PBSI customers would be able to access their funds by communicating directly with their fund company or annuity issuer, using the contact information found in transaction confirmations and customer statements, or through their local PFSI representative.

• For customers with Fidelity Advisors, American Century Investments, Invesco, Amundi US, Nuveen, and Franklin Templeton mutual fund investments, contact Primerica Shareholder Services via telephone at (800) 544-5445; via the internet at www.portfolio.primerica.com or www.primerica.com; via regular mail to Primerica Shareholder Services, P.O. Box 534485, Pittsburgh, PA 15253-4485 ; via express mail to Primerica Shareholder Services, Attention: 534485, 500 Ross Street 154-0520, Pittsburgh, PA 15262; or through your PFSI representative.
• For customers with American Funds Mutual Funds, 529 Plans, or 401(k) Plans for South/East (AL, AR, CT, DE, FL, GA, KS, LA, MA, MD, ME, MO, MS, NC, NH, NJ, NM, NY, OK, PA, RI, SC, TN, TX, VA, VT and WV), contact via telephone at (800) 421-4225; via the internet at www.capitalgroup.com, via mail at P.O. Box 2280, Norfolk, VA 23501, for North/West (AK, AZ, CA, CO, HI, IA, ID, IL, IN, KY, MI, MN, MT, ND, NE, NV, OH, OR, SD, UT, WA, WI, WY and all locations outside the United States), via telephone at (800) 421-0180, via internet at americanfunds.com, via mail at P.O. Box 6007, Indianapolis, IN 46206; or through your PFSI representative.
• For customers with mutual fund investments in mutual fund companies other than American Century Investments, Invesco, Amundi US, Fidelity Advisors, Nuveen, Franklin Templeton (or if you have accounts with the preceding fund companies that are not held on the Primerica Shareholder Services platform), or American Funds you can continue to access your funds by communicating directly with the mutual fund company using the contact information found in transaction confirmations and customer statements, or through your PFSI representative.
• For customers with investments in the Lifetime Investment Program™ custodied at Pershing LLC, contact Pershing at (201) 413-3333; via internet at www.netxinvestor.com; via mail at One Pershing Plaza, Jersey City, NJ 07399, or through your Primerica Advisors representative.
• For customers with Brighthouse Financial annuity products, contact via telephone at (800) 882-1292; via Internet at www.brighthousefinancial.com; via mail at P.O. Box 305075, Nashville, TN 37230-5075 for; or through your PFSI representative.
• For customers with Lincoln Financial annuity products, contact via telephone at (877) 534-4636; via Internet at www.lincolnfinancial.com; via mail at P.O. Box 2348, Fort Wayne, IN 46801-2348; or through your PFSI representative.
• For customers with Equitable annuity products, contact via Internet at www.equitable.com; via telephone at (888) 517-9900; via mail at Retirement Service Solutions, P.O. Box 1424, Charlotte, NC 28201-1424; for Retirement Gateway or Vision 401(k) & 457(b) products via telephone at (800) 528-0204 or via mail at Equitable Retirement Services, P.O. Box 8095, Boston, MA 02266-8095; for EQUI-VEST 403(b) plans via telephone at (800) 628-6673 or mail at EQUI-VEST Processing Office, P.O. Box 4956, Syracuse, New York 13221; or through your PFSI representative.
• For customers with Corebridge Financial annuity products, via the Internet at www.corebridgefinancial.com; or via mail at P.O. Box 15570, Amarillo, TX 79105-5570; or via telephone at (800) 445-7862 ; or through your PFSI representative.
• For customers with Scholars Choice 529 Plans, contact via telephone at (888) 572-4652; via mail at Scholars Choice College Savings Program, P.O. Box 9680, Providence, RI 02940-9680; via the internet at www.scholars-choice.com; or through your PFSI representative.
• For customers with Franklin Templeton 529 Plans, contact via telephone at (866) 362-1597; via mail at Franklin Templeton 529 Plan, P.O. Box 33090, St. Petersburg, FL 33733-8090; via the internet at https://www.franklintempleton.com/529; or through your PFSI representative.
• For customers with Fidelity 529 Plans, contact via telephone at (800) 544-1914; via the internet at www.fidelity.com/529-plans, via mail at P.O. Box 770001, Cincinnati, OH 45277; or through your PFSI representative.
• For customers with J.P. Morgan 529 Plans, contact via telephone at (800) 774-2108; via the internet at www.ny529advisor.com; via mail at New York's 529 Advisor-Guided College Savings Program, 95 Wells Avenue, Suite 155, Newton, MA 02459; or through your PFSI representative.
• For customers with CUNA Mutual 401(k) Plans, contact via telephone at (800) 999-8786; via the internet at https://www.cunamutual.com; via mail at 5910 Mineral Point Road, Madison, WI 53705; or through your local PFSI representative.
• For customers with Voya 401(k) Plans, contact via telephone at (855) 663-8692; via mail at 230 Park Avenue, New York, NY 10169; via the internet at https://www.voya.com/contact-us; or through your PFSI representative.
• For customers with Fidelity Advisors 401(k) Plans, contact via telephone at (800) 835-5095; via mail at Fidelity Investments, P.O. Box 770001, Cincinnati, OH 45277-0002; via the internet at www.401k.fidelity.com; or through your PFSI representative.
• For customers with July Services 401(k) and Solo(k) Plans, contact via telephone at 888-333-6315 for participants and (888) 333-5859 for plan sponsors; via mail at July Services, P.O. Box 2208, Waco, TX 76703; via the internet at www.julyservices.com/for-employees/start-here for participants or www.julyservices.com/employers for plan sponsors; or through your PFSI representative.
• For customers with PCS Retirement (Aspire) Plans, contact via telephone at 866-634-5873; via mail at 9450 SW Gemini Dr. PMB 65198 Beaverton, Oregon 97008-7105; via the internet at www.aspireonline.com/primerica/; or through your PFSI representative.
• For customers with Empower Plans, contact via telephone at 888-606-4032; via mail at 8515 East Orchard Road, 8T2, Greenwood Village, CO 80111; via the internet at https://www.empower.com/financial-professionals/what-we-offer/financial-professionals-overview; or through your PFSI representative.
• For customers with Paychex Plans, contact via telephone at 855-588-4775; via mail at Paychex Retirement Services Broker - Dealer Home Office 220 Kenneth Drive Rochester, NY 14623; via the internet at Paychex.com/advisors; or through your PFSI representative.

Platform Funds (American Century, Amundi Pioneer, Invesco, Legg Mason, and Franklin Templeton Mutual Funds):
If you provide a check with which to fund your account, please make it payable to Primerica Shareholder Services, Inc. Your representative will promptly forward it to Primerica Shareholder Services, Inc. where it will be deposited to fund your account.

Non-Platform Funds (Mutual Funds other than American Century, Amundi Pioneer, Invesco, Legg Mason, and Franklin Templeton):
If you provide a check with which to fund your account, please make it payable to the Fund Company in which the money is being invested. Your representative will promptly forward the check and the investment application to PFS Investments Inc. ("PFSI") in Duluth, GA. After approval and acceptance of the transaction at the PFSI home office, your check will be promptly forwarded the Fund Company where it will be deposited to fund your account.

Variable Annuities:
If you provide a check with which to fund your account, please make it payable to the insurance company issuing the variable annuity. For all annuities other than those issued by Brighthouse Financial, your representative will promptly forward the check and the investment application to PFS Investments Inc. ("PFSI") in Duluth, GA. After approval and acceptance of the transaction at the PFSI home office, your check will be promptly forwarded the insurance company where it will be deposited to fund your account. For Brighthouse annuities, your representative will promptly forward your check and application to Brighthouse, Inc. where it will be deposited to fund your account after approval is received from the PFSI home office.

Financial exploitation involves the illegal or improper use of a person's funds by another individual. Examples of financial exploitation include improper use of power of attorney, coercion, or fraudulent transfer of assets. Elderly or vulnerable persons (of any age) may be especially susceptible to financial exploitation due to cognitive decline, physical disability or health problems, which can impair their capacity to recognize financial exploitation and scams. If you suspect financial exploitation with respect to your investment account please call PFSI at 1-800-243-8901 to report your concerns. You may also choose to designate a secondary individual for us to contact if we have reasonable concern about your well-being. To establish a secondary contact for your investment account, please contact your PFSI representative. For more information on how to protect against financial exploitation, visit the website https://www.finra.org/investors/highlights/protecting-seniors-financial-exploitation.

Primerica Mortgage, LLC, NMLS #1723477 (https://nmlsconsumeraccess.org). EQUAL HOUSING OPPORTUNITY. Primerica Mortgage, LLC is a state licensed Mortgage Broker, with its headquarters office located at 1 Primerica Parkway, Duluth, GA 30099-0001. Phone Number: 1-855-357-1054. Mortgage products are offered through a contractual agreement between Primerica Mortgage, LLC and a third party lender. This is not a commitment to lend or extend credit. All loans, credit, and collateral are subject to underwriting and approval by the lender. Terms, rates, data, programs, information, and conditions are subject to change without notice. Not all loan products are available in all states. A Primerica Mortgage, LLC Mortgage Loan Originator may only originate mortgage loans on real property that is located in a state where both Primerica Mortgage, LLC and the Mortgage Loan Originator are licensed to transact mortgage business. Specific program restrictions may apply so please consult a Primerica Mortgage, LLC Mortgage Loan Originator for complete details. While refinancing your existing loan may reduce your monthly payment, your total finance charges may be higher over the life of the loan. Primerica Mortgage, LLC is a MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.

EQUAL HOUSING OPPORTUNITY. It is the policy of Primerica Mortgage, LLC to treat all consumers and prospective consumers consistently and equally without regard to race, color, creed or religion, national origin, sex, marital status, sexual orientation, military status, disability, familial status, handicap, age (provided the applicant has legal capacity to enter into a binding contract), receipt of public assistance, or the exercise of legal rights under the federal Consumer Credit Protection Act. Primerica Mortgage, LLC complies with all fair lending laws and regulations, including but not limited to not the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA).

Alabama: Primerica Mortgage, LLC. Alabama Mortgage Brokers License # 22841.

Arizona: Primerica Mortgage, LLC. Arizona Mortgage Broker License # 1036200; Arizona Principal Place of Business: 2245 W University Drive, Suite 4, Tempe, AZ 85281.

Arkansas: Primerica Mortgage, LLC. Arkansas Mortgage Broker License # 121183. Phone Number: 1-855-357-1054.

California: Primerica Mortgage, LLC. Licensed by the California Department of Financial Protection and Innovation under the California Financing Law License No. 60DBO 82834.

Colorado: Primerica Mortgage, LLC. Colorado Mortgage Company Registration, NMLS #1723477, Regulated by the Division of Real Estate. Phone Number: 1-855-357-1054.

Connecticut: Primerica Mortgage, LLC. Connecticut Mortgage Broker License # MB-1723477 (https://nmlsconsumeraccess.org). Primerica Mortgage, LLC is a MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.

Florida: Primerica Mortgage, LLC. Florida Mortgage Broker License # MBR2580.

Georgia: Primerica Mortgage, LLC. Georgia Mortgage Broker/Processor License/Registration # 1723477.

Hawaii: Primerica Mortgage, LLC. Hawaii Mortgage Loan Originator Company License # HI-1723477; In-state Principal Place of Business - Hawaii Mortgage Loan Originator Company Branch License ID 2327060: 94-801 Farrington Hwy, Ste 104A, Waipahu, Hawaii 96797.

Idaho: Primerica Mortgage, LLC. Idaho Mortgage Broker/Lender License # MBL-2081723477.

Iowa: Primerica Mortgage, LLC. Iowa Mortgage Broker License # 2020-0175.

Illinois: Primerica Mortgage, LLC. Illinois Residential Mortgage License # MB.6850109.

Indiana: Primerica Mortgage, LLC. Indiana-SOS Loan Broker License # 1723477

Kansas: Primerica Mortgage, LLC. Kansas Mortgage Company License # MC.0025673.

Maine: Primerica Mortgage, LLC. Maine Loan Broker License # 1723477.

Michigan: Primerica Mortgage, LLC. Michigan 1st Mortgage Broker License # FL0022649, Michigan 2nd Mortgage Broker Registrant # SR0024890.

Minnesota: Primerica Mortgage, LLC. Minnesota Residential Mortgage Originator License # MN-MO-1723477.

Missouri: Primerica Mortgage, LLC. Missouri Mortgage Company License # 1723477.

Nebraska: Primerica Mortgage, LLC. Nebraska Mortgage Banker License, NMLS #1723477.

New Hampshire: Primerica Mortgage, LLC. New Hampshire Mortgage Broker License # 25066-MBR.

New Mexico: New Mexico Mortgage Loan Company License, NMLS # 1723477.

North Carolina: Primerica Mortgage, LLC. North Carolina Mortgage Broker License # B-218923.

Ohio: Primerica Mortgage, LLC. Ohio Residential Mortgage Lending Act Certificate of Registration # RM.804746.000.

Oklahoma: Primerica Mortgage, LLC. Oklahoma Mortgage Broker License # MB013617.

Oregon: Oregon Mortgage Lending License, NMLS # 1723477.

Pennsylvania: Primerica Mortgage, LLC. Pennsylvania Mortgage Broker License # 77588.

Tennessee: Primerica Mortgage, LLC. Tennessee Mortgage License # 222930.

Texas: Primerica Mortgage, LLC. Texas Department of Savings and Mortgage Lending Mortgage Company License, NMLS #1723477. 1 Primerica Parkway, Duluth, GA 30099 0001. Texas Location: 14340 Torrey Chase Blvd, Ste 153, Houston, Texas 77014.

Per Texas Administrative Code 7 TAC §80.200(b): CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

Utah: Utah Division of Real Estate Mortgage Entity License # 12769744.

Virginia: Primerica Mortgage, LLC. Virginia Broker License # MC-7185, NMLS ID # 1723477 (https://nmlsconsumeraccess.org).

Washington: Washington Mortgage Broker License # MB-1723477.

Wisconsin: Primerica Mortgage, LLC. Wisconsin Mortgage Broker License # 1723477BR.

Contact us to obtain contact information for areas or departments that you would like to contact. We appreciate the opportunity to assist you and look forward to hearing from you.