1. I’d like to give a quick overview of Dergalis Associates
I’d like to give a quick overview of Dergalis Associates. Dergalis Associates is comprised of a team of professionals focusing on financial services, health insurance and benefit administration. I myself am a Financial Professional and my goal, along with the help of my colleagues, is to provide you with choices today that help you achieve the future you want tomorrow. Before I begin to discuss the specifics of the products available to you, I want to first explain how the Secure Advantage Program was designed specifically to meet the needs of Realtors. 1

2. Participation in all aspects of the Secure Advantage 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. *Pet Insurance is offered through PetPlan Insurance. Dergalis Associates, AXA Advisors and AXA Network are not affiliated with PetPlan Insurance. AXA Advisors and AXA Network do not provide tax or legal advice. Please consult your own tax and legal advisors regarding your particular circumstances. Howard Hanna Real Estate Services is not affiliated in any way Dergalis Associates, AXA Advisors or AXA Network. Dergalis Associates is not a registered investment advisor and is not owned or operated by AXA Advisors or AXA Network. PPG E (6/18)(Exp 6/20) 2 2

3. Group Insurance Plans Group Life Insurance
Group Short-Term Disability Insurance
Group Dental Insurance
Group Vision Insurance
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 Dental Insurance and Group Vision Insurance. The plans either have limited or no medical underwriting process. Look for the Group Insurance Available logo throughout the presentation.
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. 3

4. 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.
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 most 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?
The answer is our Automatic Contribution Program. It helps you save money ONLY when you 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, you select 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. 4

5. The Agent Benefits Program offers you a wide variety of financial services and insurance products designed to protect your income, your health and your future. Let’s start by talking about the products designed to protect your income. 5

6. Helping Protect Your Income
Tax Savings Plan
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
As a Realtor, taxes are a big part of your life. You owe taxes on a quarterly basis, and a lot of people find it difficult to stay on top of saving for the payments. Our Tax Savings Plan uses the Automatic Contribution Program to help you set aside a portion of each commission check to save for your tax payments. We recommend this program for all agents.
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. 6

7. Helping Protect Your Income
Life Insurance
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.
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. We offer individual life insurance policies, as well as group life insurance outside of our role as agents of AXA Network, LLC.
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. 7

8. Helping Protect Your Income
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.
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 insurance offers. We offer individual disability insurance policies, as well as group disability insurance outside of our role as agents of AXA Network, LLC.
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. 8

9. Helping Protect Your Income
Long Term Care Insurance
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 covers the cost of home health aides and nursing homes should you need them. Long Term Care Insurance also helps you afford access to top-notch care when you need it most, and brings you the peace of mind of knowing that you won’t be a financial burden to your 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. 9

10. Pet Insurance Pet Insurance
Dergalis Associates has partnered with Petplan Insurance so you can now obtain affordable health care coverage for your dog or cat. Pet insurance helps you pay unexpected veterinary bills so you can get your pet the best care.
Pet Plan’s insurance professionals can help design an affordable plan from scratch to fit you and your pet’s needs.

11. Helping Protect Your Health
Dental Insurance (Comprehensive Plan)
Available to new associates or during Open Enrollment in November
100% Cleanings
100% X-rays
100% Check-ups
100% Extractions
70% non-surgical periodontal service
50% major work
50% orthodontics
Outside of our role as agents of AXA Network, LLC, we also offer comprehensive Group Dental Insurance. Our Comprehensive plan covers cleanings, x-rays, check-ups and extractions, as well as 70% of non-surgical periodontal service, 50% of major work and 50% of orthodontics. We also offer a basic plan if you don’t need all the bells and whistles. Our dental insurance is available as a group plan.
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. 11

12. Helping Protect Your Health
Vision Insurance
Available to new associates or during Open Enrollment in March
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
If you or anyone in your family wears contacts or glasses, I strongly recommend our vision insurance. Just having your yearly eye exam covered, as well as either your new frames or contacts, makes this plan a great bargain. It also includes discounts on some specialty options, lots of network providers and low rates for both individual and family coverage. Our vision insurance is available as a group plan. 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. 12

13. Helping Protect Your Future
Retirement Savings Plan
Rollover options from previous employer plans into another qualified plan available
IRA & Roth IRA
SEP & Uni-401(k) plans
Defined Benefit plans
Our last group of products help protect your future. The Retirement Savings Plan is the second part of our Automatic Contribution Program. We offer many different account types, and I’ll guide you in selecting and opening the account that best suits your needs. After your account is set up, a percentage of each commission check will be deposited into the account. If you already have a 401k through a previous employer, we can help you with rollover options into another qualified plan.
The Retirement Savings Plan is not an employer-sponsored qualified retirement plan. 13

14. Helping Protect Your Future
Investment Strategies
Setting up the right investment portfolio can help you work toward a better financial future
We offer investment counseling and review
Whether you’re at the very beginning stages of putting together an investment strategy or if you already have one in place, I encourage you to set up a complimentary financial needs analysis with me. As a financial professional, I can help you identify the best investment plan for you or I can review your current plan in order to give you a second opinion. This is a no obligation service that you can take advantage of as a realtor with Howard Hanna. 14

15. Helping Protect Your Future
College Savings Plan
Save for a child, grandchild or any other important person in your life
Section 529 plans
Multiple plan options
Long considered a doorway to security and prosperity, college is now viewed as almost a minimum requirement for a promising career in today’s fast-paced economy. Whether you want to save for your child, grandchild or any other important person in your life, I can help guide you through the best investment type for your family. 15

16. Your Representative Christopher Cole P: (724) 766-7536
F: (724) E:
On your sheets, please check off any products that you’d like more information about. My contact information is here if you think of any additional questions you would like me to answer. I’ll be here for the next 20 minutes to answer any questions you have now. Thank you for your time today. 16

17. Participation in all aspects of the Secure Advantage 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. *Pet Insurance is offered through PetPlan Insurance. Dergalis Associates, AXA Advisors and AXA Network are not affiliated with PetPlan Insurance.AXA Advisors and AXA Network do not provide tax or legal advice. Please consult your own tax and legal advisors regarding your particular circumstances. Howard Hanna Real Estate Services is not affiliated in any way Dergalis Associates, AXA Advisors or AXA Network. Dergalis Associates is not a registered investment advisor and is not owned or operated by AXA Advisors or AXA Network. PPG E (6/18)(Exp 6/20) 17 17