Exhibit 10.38

MARKETING SERVICES AGREEMENT

This agreement (the “Agreement”) is made as of the 30^th day of November 2007, between Citicorp Trust Bank, fsb, a federal savings bank (the “Bank”), and Primerica Financial Services Home Mortgages, Inc., a Georgia corporation (“PFSHMI”).

WHEREAS, the Bank offers loan products on a nationwide basis;

WHEREAS, PFSHMI, as a result of the expenditure of time, skill, effort and money, has developed a sales force that is highly effective in marketing loan products to consumers (the “Sales Force”);

WHEREAS, Bank affiliate Citibank, N.A., (“CBNA”) currently utilizes the expertise of PFSHMI and the Sales Force to market unsecured closed-end personal installment loans made by CBNA to consumers on a nationwide basis.

WHEREAS, due to certain business requirements in the State of California, PFSHMI, the Bank, and CBNA, desire to use the expertise of PFSHMI and the Sales Force to market unsecured closed-end personal installment loans to California consumers made by the Bank (the “California Loans”).

THEREFORE, in consideration of the mutual promises and covenants contained herein, the parties agree as follows:

(b) During this Agreement, PFSHMI agrees to exclusively market the California Loans and will not, directly or indirectly, through itself, the Sales Force or others, market any unsecured closed-end personal loan products from any non-affiliated lender without the consent of the Bank, which consent shall not be unreasonably withheld. PFSHMI will use its best efforts to develop and implement, in consultation with the Bank, an effective marketing strategy for the California Loans.

(b) Compensation at the date of this Agreement is agreed at two and three-quarters percent (2.75%) of the gross loan amount of all booked California Loans (including, without limitation, any

additional extensions of credit within the parameters of a California Loan). Nothing herein requires Bank, PFSHMI or members of the Sales Force to make a payment or conduct any activity if such payment or activity would violate any applicable law or regulation. Payment will be made by the Bank on terms and circumstances that are substantially the same, or at least as favorable to the Bank, as those prevailing at the time for comparable transactions with or involving non-affiliated companies or brokers.

(b) A party may terminate this Agreement with immediate effect by written notice in the event that (i) an entity owning more than 50% of the voting shares of the other party ceases to own more than 50% of the voting shares of the other party; (ii) the other party is wound up, go into liquidation, or for any other reason ceases or threatens to cease to carry on its business or transfers its business; (iii) a decree or order by a court or governmental agency or authority is entered for the appointment of a conservator, receiver or liquidator for the other party in an insolvency, readjustment of debt, marshaling of assets and liabilities or similar proceeding, or the other party consents to such appointment or (iv) notwithstanding 30 days’ written notice of such breach, the other party commits any material breach of the terms of this Agreement or repeats, continues or fails to remedy any material breach,.

(b) Each party shall establish and maintain all proper records, including but not limited to accounting records and records of transactions hereunder required by any law, regulation, code of practice or corporate policy applicable to it from time to time.

(b) A party seeking indemnification under this Agreement shall (i) give prompt written notice to the indemnifying party of the existence of the indemnifiable claim; (ii) provide such information, cooperation and assistance as may reasonably be necessary for the defense of such action or claim; and (iii) grant full authority to the indemnifying party to defend or settle such action or claim. A party seeking indemnification shall not compromise or settle any action or claim without the reasonable consent of the indemnifying party.

(b) Each party agrees to take all reasonable measures, including, without limitation, measures taken by each party to safeguard its own Confidential Information to prevent any disclosure by employees, agents or contractors. Nothing provided herein prevents any party from disclosing information to the extent the information (i) is or hereafter becomes part of the public domain through no fault of that party; (ii) is independently developed by that party without the use of the other party’s confidential information; (iii) is disclosed pursuant to requirements of law; or (iv) is already known to it. If either party hires another entity to assist it in the performance of this Agreement, or assigns any portion of its rights or delegates any portion of its responsibilities or obligations under this Agreement to another entity, the assigning or delegating party shall cause its assignee or delegate and its employees (a) to be bound to maintain the confidentiality of the information provided by or on behalf of the other party and (b) to be bound to only disclose or use the Confidential Information for purposes of performance pursuant to this Agreement. Any Confidential Information, including copies thereof, furnished to or obtained by the receiving party pursuant to this Agreement must be promptly returned to the disclosing party or destroyed upon request, except as otherwise required by law or to the extent required to service a business relationship. Each party shall permit representatives of the other party, upon prior written notice and at reasonable times, to examine and verify compliance with respect to its Confidential Information.

(c) The Bank may contact any loan applicant after receipt of the related loan application as reasonable and appropriate for the processing of the loan application. PFSHMI agrees that Bank or its processor, CBNA, may also contact the customer for the purpose of: (i) offering checking accounts and (ii) additional extensions of credit to customers within the parameters of the original amount and term of the customer’s California Loan (i.e., “renewals” which the Bank refers to as its “TopUp” program). However, the Bank may not, nor take any action to permit any third party to, use information derived from loan applications for California Loans, including, but not limited to, customer names, to solicit such customers for any other product, service or program. This provision does not prohibit the Bank from using any data or customer names derived from other sources, including, but not limited to, existing Bank customer lists, third party mailing lists, or lists of customers who later obtain a product from the Bank or one of its affiliates.

(d) The Bank will not, nor will the Bank take any action to permit any third party to, knowingly (i) solicit or communicate with any member of the Sales Force regarding any product or service other than the California Loans or related products as described in Section 10(c), except as provided in separate Marketing Services Agreement, originally entered into June 1, 2004 between the Bank and PFSHMI; or (ii) sell, assign, transfer or disclose in any manner, with or without consideration, any lists of members of the Sales Force (or any other information about member of the Sales Force).

(e) Without limiting the generality of Section 20, all obligations under Sections 10(c) and (d) will survive termination of this Agreement for two years.

Bank:

Citicorp Trust Bank, fsb

4000 Regent Boulevard

Irving, TX 75063

Attn: Chief Financial Officer

With a copy to:

Citicorp Trust Bank, fsb

4000 Regent Boulevard

Irving, TX 75063

Attn: General Counsel, C3B-350

PFSHMI:

Primerica Financial Services Home Mortgages, Inc.

3100 Breckinridge Boulevard, Bldg. 1200

Duluth, GA 30099

Attn: Executive Vice President

With a copy to:

Primerica Financial Services

3100 Breckinridge Boulevard, Bldg. 1200

Duluth, GA 30099

Attn: General Counsel

IN WITNESS WHEREOF, the Bank and the PFSHMI have caused this Agreement to be executed as of the date first written above.

EXHIBIT A

RESPONSIBILITIES OF THE PARTIES

Each of the parties hereto agrees to undertake and perform as follows:

PFSHMI Responsibilities

Bank Responsibilities

AMENDMENT NO. 1

TO

MARKETING SERVICES AGREEMENT

AMENDMENT NO. 1, dated January 27, 2010 (this “Amendment”), to MARKETING SERVICES AGREEMENT, dated November 30, 2007 (the “Agreement”), by and between Citicorp Trust Bank, fsb (the “Bank”) and Primerica Financial Services Home Mortgages, Inc. (“PFSHMI”). Terms which are capitalized herein and not otherwise defined shall have the meanings ascribed to them in the Agreement.

W I T N E S S E T H:

WHEREAS, the Bank and PFSHMI entered into the Agreement in order to establish the terms and conditions upon which PFSHMI will provide certain loan marketing services on behalf of the Bank in the State of California;

WHEREAS, the Bank and PFSHMI agree that it is in their mutual interest to amend the Agreement in order to clarify certain provisions relating to the term of the Agreement;

NOW, THEREFORE, in consideration of the mutual promises contained herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereby agree to amend the Agreement accordingly.

Section I. Section 6(a) shall be deleted in its entirety and the following inserted in lieu thereof:

6. (a) This Agreement shall continue in full force and effect until December 31, 2010, unless PFSHMI first enters into a contract with another financial institution concerning a personal loan origination marketing program substantially similar to that covered by the Agreement in which case the Agreement may be terminated by the Bank upon thirty (30) days written notice to PFSHMI. Each party shall remain responsible for its respective obligations with regard to actions, events, and services received or rendered prior to the date the Agreement is terminated.

Section 2. The parties acknowledge that Primerica, Inc., the owner of PFSHMI intends on conducting an initial public offering of Primerica, Inc.’s securities (the “IPO”). The Bank hereby consents to the IPO and waives its right to terminate the Agreement under Section 6(b)(i) in connection with the IPO. This waiver shall not constitute a waiver of any other right as provided in the Agreement.

Section 3. Effective as of the date hereof, all other terms and conditions provided for in the Agreement, except as modified by this Amendment, shall remain in full force and effect and are reaffirmed. In the event of any conflict or inconsistency between any provision of this Amendment and any provision within the Agreement, the provisions of this Amendment shall govern and control.

IN WITNESS WHEREOF, the Bank and PFSHMI have caused this Amendment to be duly executed by their respective officers as of the day and year first above written.