4. The Problem Real estate agents have historically struggled to set aside money for both quarterly taxes and retirement when faced with issues like commission volatility and lack of time.

5. The Strategy Our Automatic Contribution Program addresses these problems by:  Providing agents with a structured savings plan  Saving money ONLY when you make money  Guiding you in choosing the percentage of each commission check to be allocated to your mutual fund from Putnam Investments  Having your realty company handle the transfer  Automatically setting you up to save with minimal effort The automatic contribution portion of the Tax Payment Program is not provided through AXA Advisors or AXA Network. All contributed funds 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.

6. Tax Savings Plan  Automatic contribution available  A money market mutual fund from Putnam Investments, which can be used to pay your quarterly tax obligations  Free checking  Unlimited checkwriting  No minimum balance requirement  Full information available upon request The automatic contribution portion of the tax payment program is not provided through AXA Advisors or AXA Network. All contributed funds 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. Retirement Savings Plan  Automatic contribution available  Rollover options from previous employer plans available  IRA & Roth IRA  SEP & Uni-401(k) Plans  Defined Benefit Plans The Retirement Savings Plan is not an employer-sponsored qualified retirement plan.

8. Your Representative Chris DeHoag P: (859) 514-4134 F: (856) 233-1591 E: chris.dehoag@axa-advisors.com 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. Annuities and individual life, disability income, and long- term care insurance policies through AXA Network, LLC, which conducts business in CA as AXA Network Insurance Agency of California, LLC, in UT as AXA Network Insurance Agency of Utah, LLC, in PR as AXA Network of Puerto Rico, Inc. All AXA Advisors/AXA Network offerings are entirely voluntary and individually provided through a Financial Professional. All AXA Advisors/AXA Network business is conducted under the d/b/a name of Dergalis Associates, which is not owned or operated by AXA Advisors or its affiliates. PPG 99737 (1/15)(Exp 1/17)