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

3. 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

4. The Agent Benefits Program
The Roberts Brothers 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

5. Group Insurance Plans For New Agents For Current 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.
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 Life Insurance, Group Short-Term Disability Income Insurance, Group Long-Term Disability Income Insurance, Group Dental Insurance and Group Vision Insurance>. During an agent’s New Associate Election Period, which lasts for 30 days after their start date, the group insurance products are 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 for Guaranteed-Issue Group Dental and Group Vision Insurance. An agent may also enroll during a qualifying life event. Group 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. 5

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.
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. The Automatic Contribution Program has two available options: The Tax Savings Plan and the Retirement Savings Plan, both of which we’ll talk about in detail in a bit. 6

7. 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.
The Retirement Savings Plan is not an employer-sponsored qualified retirement plan. 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. 7

8. Protecting Their Income
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.
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.
Taxes are a big part of any agents life. They’ll owe taxes on a quarterly basis, and a lot of people find it difficult to stay on top of saving for payments. Our Tax Savings Plan uses the Automatic Contribution Program to set aside a portion of each commission check to save for an agent’s tax payments. We recommend this program for all agents, but especially for new agents, at least until they become accustomed to the rhythm of quarterly tax payments. 8

9. Protecting Their Income
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.
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. 9

10. Protecting Their Income
Group Life Insurance
Our Group Life 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 Life Insurance policy. If an agent wants to participate after their New Associate Election Period, medical underwriting will be required.
We also offer Group Life Insurance outside of our role as agents of AXA Network, LLC. Our Group Life Insurance plan is Guaranteed-Issue during the New Associate Election Period. Current agents can also choose to participate, but they will have to go through limited medical underwriting.
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. 10

11. Protecting Their Income
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.
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. 11

12. Protecting Their Income
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.
We also offer Group Disability Income Insurance outside of our role as agents of AXA Network, LLC. This plan is Guaranteed-Issue during the New Associate Election Period. Current agents can choose to participate at a later date, but they will be subjected to limited medical underwriting.
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

13. 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. 13

14. 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. 14

15. 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 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 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. 15

16. Protecting Their Health
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.
The plan covers eye exams, frames, lenses and contacts. There is no waiting period.
Our Group Vision Insurance is Guaranteed-Issue during the New Associate Election Period, company-wide open enrollment or during a qualifying life event. The plan covers eye exams, frames, lenses and contacts. There is no waiting period. Associates of Dergalis associates offer group vision insurance outside of their role as agents of AXA Network, LLC.
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. 16

17. 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. 17

18. 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. 18

19. 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. 19

20. 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. 20

21. 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 Roberts Brothers, 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 Roberts Brothers, you can continue striving to recruit and retain the best agents in the area. 21

22. 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:
Visit our manager website to access our most up-to-date marketing materials, learn more about the program and give us your feedback. 22

23. 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 Roberts Brothers 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 Roberts Brothers thrive. 23

24. Contact Lindsay DerAris Shana Lovallo, Director of Sales
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Shana Lovallo, Director of Sales
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25. Contact Shana Lovallo, Jane Shropshire Director of SalesE:
Jane Shropshire
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26. 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 ), 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. Roberts Brothers is not affiliated in any way Dergalis Associates, AXA Advisors or AXA Network. PPG-93662(07/14)(exp.07/16) 26