Nancy Hertwig, Financial Adviser

Nancy P. Hertwig is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of Tennessee, Florida, Georgia, North Carolina, and South Carolina. No insurance business may be conducted outside these states referenced.

Nancy P. Hertwig is a Registered Representative of and offers securities products and services
through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency. In this regard, this communication is strictly intended for individuals residing in the states of Tennessee and Kentucky. No offers may be made or accepted from any resident outside the specific states referenced.

Nancy P. Hertwig is also separately registered as an investment adviser representative, under
Eagle Strategies LLC., a Registered Investment Adviser, offering advisory services in the
states of Tennessee and Kentucky. As such, these services are strictly intended for individuals residing in the specific states referenced.

Eagle Strategies LL Cand NYLIFE Securities LLC are New York life Companies.

Neither New York Life Insurance Company, nor its agents, provide tax, legal, or accounting
advice. Please consult your own tax, legal, or accounting professional before making any
decisions.

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