1

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. Shorewest Realtors is not affiliated in any way Dergalis Associates, AXA Advisors or AXA Network. PPG-93662(07/14)(exp.07/16) 2

The Benefits of the Program 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. Let’s start by discussing the benefits of the program. Recruiting new agents is an important part of your success. We believe our distinctive offering can help give you an edge over the competition. By using the program and the extensive array of financial services and products made available through our financial professionals as a recruitment tool, we can help you work to attract the best real estate agents in your market. But recruiting agents is only half the battle. You don’t want your best agents to leave and end up working for the competition. The structure of the Agent Benefits 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 as readily available. 3

The Agent Benefits Program The Shorewest Realtors Agent 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. Now that I’ve told you how the program can help you, lets talk about what the program is. The Agent Benefits Program, offered by Dergalis Associates, provides your agents with easy access to insurance products and financial products and services through financial professionals. Dergalis Associates is comprised of a team of financial professionals with focus on financial services, health insurance and benefit administration. The team works together to create customized financial strategies for your agents. Before I begin to discuss the specifics of the products available to your agents, I want to first explain how the Agent Benefits Program was designed specifically to meet the needs of Realtors. 4

Automatic Contribution Program This is a structured savings plan where a percentage of each commission check an agent receives gets automatically contributed to a retirement account. Provides agents with a structured savings plan An agent saves money ONLY when they make money We also wanted to find a way to address how hard it can be to save on a commission-based salary. The only thing predictable about commissions is that they’re unpredictable, and many savings plans are based on putting away a specific amount of money on a schedule. Since houses don’t sell on a schedule, or for the same amount, how could a realtor save consistently? One answer is our Automatic Contribution Program. It helps agents save money ONLY when they earn a commission check. We understand that commission checks are almost never for the same amount, so instead of defining a set dollar amount to save, an agent selects a percentage. 5

Group Dental Insurance For New Agents Our Group Dental Insurance is 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 Group Dental Insurance has an annual company-wide open enrollment that takes place in November. An agent may also enroll during a qualifying life event. Group Insurance is not commonly offered to Realtors, which we wanted to address through our program. Outside of our role as agents of AXA Network, LLC, we offer Group Dental Insurance. During an agent’s New Associate Election Period, which lasts for 30 days after their start date, group dental insurance is offered as Guaranteed-Issue. That means the agent cannot be denied coverage based on health and there is no medical underwriting process. For current agents, we have an annual company-wide open enrollment in November. An agent may also enroll during a qualifying life event. 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 any of their affiliates. 6

The Agent Benefits Program offers you a wide variety of financial services and insurance products designed to help your agents protect their income, health and future. Let’s start by talking about the products designed to help them protect their income. 7

Protecting Their Income 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. 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. Milestone life moments, like buying a home or adding to their family, is a great time for an agent to review their life insurance needs. 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. 8

Protecting Their Income 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. Disability income insurance pays benefits in the case that the policy-holder is incapable of working because 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. 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. 9

Protecting Their Income 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. Long-Term Care Insurance covers the cost of home health aides and nursing homes should an agent need them. Long-term care 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. 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. 10

Protecting Their Health Health Insurance 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 the federal annual open enrollment period or during a qualifying life event (such as changing jobs, marriage, birth of a child, etc.) Our Health Insurance Professionals simplify the complicated world of health insurance. They can access a wide range of plans and will work one-on-one with the agents to find the most cost-effective plan. Routine and preventative health care will keep your agents at their best. 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. 11

Protecting Their Health 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. The comprehensive plan covers 100% of diagnostic, preventative and basic procedures, as well as 50-70% of major services. There is no waiting period. Outside of our role as agents of AXA Network, LLC, we also offer Group Dental Insurance which is Guaranteed-Issue during the New Associate Election Period, company-wide open enrollment or during a qualifying life event. The comprehensive plan covers 100% of diagnostic, preventative and basic procedures, as well as 50-70% of major services. We also offer Basic and Freedom plans. 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. 12

Protecting Their Future 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. 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. The Retirement Savings Plan is not an employer-sponsored qualified retirement plan. 13

Protecting Their Future 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. Our Financial Professionals guide the agent through the rollover process. Whether they want to adjust their investments, make future contributions 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. 14

Addressing Their Future 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. 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. 15

Protecting Their Future 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. 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. 16

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 Shorewest Realtors, you can continue striving to recruit and retain the best agents in the area. 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 Shorewest Realtors, you can continue striving to recruit and retain the best agents in the area. 17

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/shorewestmanager Visit our manager website to access our most up-to-date marketing materials, learn more about the program and give us your feedback. 18

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 Shorewest Realtors thrive. We strongly believe that the program helps 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 Shorewest Realtors thrive. 19

Contact Alex Dergalis, Representative P: (856) 751-2688 F: (856) 795-1035 E: alex.dergalis@axa-advisors.com Shana Lovallo, Director of Sales P: (856) 751-2668 F: (856) 795-1035 E: shana@agentbenefits.net 20

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. Shorewest Realtors is not affiliated in any way Dergalis Associates, AXA Advisors or AXA Network. PPG-93662(07/14)(exp.07/16) 21