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. AXA Advisors and AXA Network do not provide tax or legal advice. Please consult your own tax and legal advisors regarding your particular circumstances. ReeceNichols Realtors is not affiliated in any way Dergalis Associates, AXA Advisors or AXA Network. PPG-92370 (05/14) (Exp. 5/16)

4. Group Insurance Plans Our group insurance plans are available to you as GUARANTEED-ISSUE during your New Associate Election Period. You cannot be denied coverage based on health and there is no medical underwriting process. This offer will only last for the next 30 days! 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.

5. Automatic Contribution Program  This is a structured savings plan where a percentage of each commission check you receive gets automatically contributed to either a tax or retirement account.  Provides you with a structured savings plan  Saving money ONLY when you 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.

7. Helping Protect Your Income  Part of the Automatic Contribution Program  A money market checking account through Putnam Investments which can be used to pay your quarterly tax obligations  Free checking  Unlimited check writing  No minimum balance requirement Tax Savings Plan 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. Helping Protect Your Income  In the case of a tragic event, life insurance can help your family cover the loss of your income, pay off debts, cover medical bills or fund a child’s education. Life Insurance 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. All group life 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.

9. Helping Protect Your Income  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. Disability Income Insurance 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. 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.

10. Helping Protect Your Income  Covers the cost of home health aids and nursing homes should you need them  Helps you afford access to top-notch care Long Term Care Insurance 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.

11. Helping Protect Your Health  Our Health Insurance Professionals can access a wide range of plans  They’ll work directly with you to find the most cost- effective plan  Medical plans are available during annual open enrollment or during a qualifying life event (such as changing jobs, marriage, birth of a child, etc.) Health Insurance All health 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. Helping Protect Your Health  100% Cleanings  100% X-rays  100% Check-ups  100% Extractions  70% non-surgical periodontal service  50% major work  50% orthodontics Dental Insurance 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.

13. Helping Protect Your Health  Eye exams covered every 12 months  New frames or contacts every 12 months  Discounts available on lens coatings and other special options  Many network providers in your area  Low rates for individuals and families Vision Insurance 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.

14. Helping Protect Your Future  Rollover options from previous employer plans into another qualified plan available  IRA & Roth IRA  SEP & Uni-401(k) plans  Defined Benefit plans Retirement Savings Plan The Retirement Savings Plan is not an employer-sponsored qualified retirement plan.

15. Helping Protect Your Future  Setting up the right investment portfolio can help you work toward a better financial future  We offer investment counseling and review Investment Strategies

16. Helping Protect Your Future  Save for a child, grandchild or any other important person in your life  Section 529 plans  Multiple plan options College Savings Plan

17. Your Representative Robert M. Wall P: (866) 738-9003 F: (856) 795-1035 E: robert.wall@axa-advisors.com

18. 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. AXA Advisors and AXA Network do not provide tax or legal advice. Please consult your own tax and legal advisors regarding your particular circumstances. ReeceNichols Realtors is not affiliated in any way Dergalis Associates, AXA Advisors or AXA Network. PPG-92370 (05/14) (Exp. 5/16)