2. Participation in all aspects of the Agent Benefits Program that are offered through AXA Advisors and AXA Network is entirely voluntary, and each participant must individually work with a Financial Professional to choose and obtain all products and services offered. Financial Professionals of Dergalis Associates offer securities through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC. Investment advisory products and services offered through AXA Advisors, LLC, an investment advisor registered with the SEC. Annuity and insurance products offered through AXA Network, LLC. AXA Network, LLC does business in California as AXA Network Insurance Agency of California, LLC and, in Utah, as AXA Network Insurance Agency of Utah, LLC. Dergalis Associates is not owned or operated by AXA Advisors or AXA Network. AXA Advisors and AXA Network do not provide tax or legal advice. Please consult your own tax and legal advisors regarding your particular circumstances. Gloria Nilson & Co. Real Estateis not affiliated in any way Dergalis Associates, AXA Advisors or AXA Network. PPG- 93662(07/14)(exp.07/16)

3. RECRUIT This distinctive offering can give you an edge over the competition. By using the program and extensive financial planning services as a recruitment tool, we can help you work to attract the best real estate agents in your market. RETAIN The structure of the program helps support agents in their practice. Agents who utilize the program may be less likely to leave for another agency where these valuable services may not be made as readily available. The Benefits of the Program

4. The Agent Benefits Program The Gloria Nilson & Co. Real EstateAgent Benefits Program, offered by Dergalis Associates, provides your agents with easy access to insurance and other financial products and services through financial professionals. Dergalis Associates is comprised of a team of professionals focusing on financial services, health insurance and benefit administration. The team works together to help your agents create customized financial strategies and benefit plans.

5. Group Insurance Plans For New Agents  Our group insurance plans are available to your agents GUARANTEED-ISSUE during their New Associate Election Period, which lasts 30 days after their start date. They cannot be denied coverage based on health and there is no medical underwriting process. For Current Agents  Dental and Vision Insurance have an annual company- wide open enrollment. An agent may also enroll during a qualifying life event.  Life and Disability Income Insurance can be enrolled in at any time, but with limited medical underwriting. All group life, disability income, health, dental and vision insurance coverage is offered entirely outside of AXA Network, LLC, AXA Network Insurance Agency of California, LLC, AXA Network Insurance Agency of Utah, LLC or any of their affiliates.

6. Automatic Contribution Program  This is a structured savings plan where a percentage of each commission check an agent receives gets automatically contributed to either a tax* or retirement account.  Provides agents with a structured savings plan  An agent saves money ONLY when they make money * All funds contributed for the purposes of setting money aside to pay income taxes (“tax account”) are invested in a money market mutual fund through AXA Advisors, LLC. An Investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund. Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a mutual fund. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money.

8. Tax Savings Plan By gradually saving for tax payments throughout the year, agents can alleviate the quarterly stress of scrambling to pay taxes. This structured savings plan helps agents stay focused on selling. Protecting Their Income All funds contributed for the purposes of setting money aside to pay income taxes (“tax account”) are invested in a money market mutual fund through AXA Advisors, LLC. An Investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund. Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a mutual fund. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money.

9. Individual Life Insurance In the case of a tragic event, life insurance can help an agent’s family cover their loss of income, pay off debts, cover medical bills or fund a child’s education. An Individual Life Insurance policy can be customized to fit an agent’s financial needs. When buying a new home or adding to their family, an agent should review their life insurance needs. Protecting Their Income Individual life insurance products offered through AXA Network, LLC, AXA Network Insurance Agency of California, LLC in CA, and AXA Network Insurance Agency of Utah, LLC in UT.

10. Individual Disability Income Insurance Disability Income Insurance pays benefits in the case that the policy-holder is incapable of working as the result of a disability. As independent contractors, real estate agents need the income protection that disability income insurance offers. An Individual Disability income policy can be customized to fit an agent’s financial needs. We recommend that all agents consider disability income insurance as most would struggle with the loss of their income. Protecting Their Income Individual disability income insurance products offered through AXA Network, LLC, AXA Network Insurance Agency of California, LLC in CA, and AXA Network Insurance Agency of Utah, LLC in UT.

11. Group Disability Income Insurance Our Group Disability Income Insurance Plan is Guaranteed- Issue during the New Associate Election Period. This plan is great for an agent who may not qualify for an Individual Disability Insurance policy. If an agent wants to participate after their New Associate Election Period, medical underwriting will be required. Protecting Their Income All group disability income insurance coverage is offered entirely outside of AXA Network, LLC, AXA Network Insurance Agency of California, LLC, AXA Network Insurance Agency of Utah, LLC or any of their affiliates.

12. Long-Term Care Insurance Long-Term Care (LTC) Insurance covers the cost of home health aides and nursing homes should an agent need them. LTC Insurance helps an agent afford access to top-notch care when they need it most, and it helps them plan to not be a financial burden to their children. Protecting Their Income Long-term care insurance products offered through AXA Network, LLC, AXA Network Insurance Agency of California, LLC in CA, and AXA Network Insurance Agency of Utah, LLC in UT.

13. Group Dental Insurance Our Group Dental Insurance is Guaranteed-Issue during the New Associate Election Period, company-wide open enrollment or during a qualifying life event. Protecting Their Health The plan covers 100% of diagnostic, preventative and basic procedures, as well as 50-70% of major services. There is no waiting period. All group dental insurance coverage is offered entirely outside of AXA Network, LLC, AXA Network Insurance Agency of California, LLC, AXA Network Insurance Agency of Utah, LLC or an any of their affiliates.

14. Group Vision Insurance Our Group Vision Insurance is Guaranteed-Issue during the New Associate Election Period, company-wide open enrollment or during a qualifying life event. Protecting Their Health The plan covers eye exams, frames, lenses and contacts. There is no waiting period. All group vision insurance coverage is offered entirely outside of AXA Network, LLC, AXA Network Insurance Agency of California, LLC, AXA Network Insurance Agency of Utah, LLC or any of their affiliates.

15. Retirement Savings Plan Saving for retirement is a best business practice for all agents, but many procrastinate when having to set up and fund accounts on their own. The ease of the Automatic Contribution Program helps clear the obstacles that prevent agents from starting their retirement planning. Protecting Their Future The Retirement Savings Plan is not an employer- sponsored qualified retirement plan.

16. Rollover from Previous Employer Plan into Another Qualified Plan Our Financial Professionals guide the agent through the rollover process. Whether they want to adjust their investments within and make future contributions to another qualified plan, or participate in the Automatic Contribution Program, the financial professional will work with the agent to determine a suitable and appropriate account type and help him or her consolidate their portfolio. This is especially important to mention to recruits and new associates as it can help the transition process of joining the company. Protecting Their Future

17. Investment Services Setting up the right investment portfolio can help an agent work toward a better financial future. Our Financial Professionals will conduct a complimentary financial needs analysis to help agents establish an investment strategy. If an agent already has an investment strategy, we can review it as a second opinion to help them make sure they’re on the right path. Addressing Their Future

18. College Savings Plan Whether helping a child, grandchild, or any special person in their lives save for college, a college savings plan can help an agent give a family member an opportunity of a lifetime. Protecting Their Future

19. Utilizing the Program The program offers agents the ready availability to financial services that the competition may lack. By making the Agent Benefits Program part of the culture and core values of Gloria Nilson, REALTORS®, Real Living®, you can continue striving to recruit and retain the best agents in the area.

20. Utilizing the Program Visit our manager website to access our most up-to-date marketing materials, learn more about the program and give us your feedback: www.agentbenefits.net/glorianilsonmanager

21. The Program’s Importance We strongly believe that the program can help to minimize the burden of being an independent contractor, allowing agents to focus on what they do best. By offering the ready availability of financial services to agents, they may have a stronger loyalty and dedication to your company. Dedicated agents focused on selling houses? That’s what makes Gloria Nilson & Co. Real Estatethrive.

22. Contact Shana Lovallo, Director of Sales P: (856) 751-2668 F: (856) 795-1035 E: shana@agentbenefits.net Christopher J. Kelly Your Representative P: (732) 326-5306 F: (732) 326-4900 E: rochelle.forster@axa-advisors.com Christopher M. Warenkiewicz Your Representative P: (732) 326-5293 F: (732) 326-5297 E: christopher.warenkiewicz@axa-advisors.com

23. Participation in all aspects of the Agent Benefits Program that are offered through AXA Advisors and AXA Network is entirely voluntary, and each participant must individually work with a Financial Professional to choose and obtain all products and services offered. Financial Professionals Associates of Dergalis Associates offer securities through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC. Investment advisory products and services offered through AXA Advisors, LLC, an investment advisor registered with the SEC. Annuity and insurance products offered through AXA Network, LLC. AXA Network, LLC does business in California as AXA Network Insurance Agency of California, LLC and, in Utah, as AXA Network Insurance Agency of Utah, LLC. Dergalis Associates is not owned or operated by AXA Advisors or AXA Network. AXA Advisors and AXA Network do not provide tax or legal advice. Please consult your own tax and legal advisors regarding your particular circumstances. Gloria Nilson & Co. Real Estate is not affiliated in any way Dergalis Associates, AXA Advisors or AXA Network. PPG- 93662(07/14)(exp.07/16)