An Overview to Equity Services Incorporated

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Martha May
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1 An Overview to Equity Services Incorporated 30 % MK3302(0711) TC58836(0211)

2 Putting ESI on the Map Nearly 600 registered representatives Of which, approximately 400 are Investment Adviser Representatives (agents of ESI Financial Advisors) Headquarters in Montpelier, VT National Focus

Investment Adviser Representatives (agents of ESI

3 About ESI Founded in 1968, Equity Services Incorporated (ESI) is a broker-dealer and registered investment advisor affiliate of National Life Insurance Company a diversified financial services company with roots going back to Since that time, the affiliates of National Life have adhered to guiding principles of quality and integrity-elements essential to its corporate character today. As a member of National Life Group, ESI has the resources to provide financial products and services suitable for the many needs for our Financial Professionals and their clients. ESI Financial professionals Many investors realize that the quality of life they ll enjoy in the future is largely dependent on how they invest today. An ESI Financial Professional can help guide you through the investment process and provide ongoing support in financial decisions. Your ESI Financial Professional can draw on resources made available through ESI to help evaluate, plan, execute and monitor the progress of your financial goals. Indicates a Branch Office Location Home Office, Montpelier, Vermont Financial Professionals affiliated with ESI can also access a variety of sophisticated software to keep them and you up to speed, including web-based tools that: provide vital research and portfolio analytics help keep you abreast of market changes and conditions offer ongoing management of finances and take a snapshot of your retirement preparedness and aid in directing your next steps National Life Group is a trade name representing various affiliates, which offer a variety of financial service products. 2

As a member of National Life Group, ESI has the resources to provide financial products and services suitable for the many needs for our Financial Professionals and their clients.

4 The role of a Broker/Dealer Financial Professionals rely on a partnership with a broker/dealer in order to help serve their clients. Just as hospitals provide the support structure physicians and surgeons need to practice medicine, broker/dealers also serve many important functions on behalf of financial practitioners and their clients. This is why it is imperative that Financial Professionals conduct their practices through an experienced broker/dealer such as Equity Services, Inc. (ESI). For example, a broker/dealer provides a support staff and technology platforms to execute the recommendations an advisor and their client agree to implement. Whether it is appropriate for clients to hold mutual funds, annuities, exchange-traded funds (ETF s), stocks and bonds or any of the many other investment products available, ESI provides access to the infrastructure to buy, sell, service and report on these transactions. ESI has an outstanding team of dedicated professionals and has contracted with some of the nation s largest and most reputable financial firms to carry out some of these critical functions thus providing many of the tools, products and services used to help you, the client, seek to achieve your financial objectives. Fee-based services ESI Financial Advisors (EFA) In addition to being registered as a broker-dealer, ESI is also a federally registered investment adviser called ESI Financial Advisors (EFA). Acting through nearly 400 financial advisors, EFA provides access to platforms and sponsors that offer fee-based account management, including ESI Illuminations. ESI Illuminations, an advisory platform sponsored by ESI with over $750 million in managed assets, offers access to fourteen different portfolio models. The models may be invested in mutual funds, exchange traded funds (ETFs) and/or separate accounts, depending on the program chosen. With fee-based products, EFA, its advisory representatives and third party managers are paid a fee for managing the assets of clients, differing from accounts or products that charge a transactional commission. Financial planning services ESI s Investment Advisory Representatives may also offer financial planning and consulting services to help clients determine and meet certain goals and objectives. ESI advisory representatives can analyze your financial and investment position and help you identify needs and appropriate actions to take in seeking to achieve your stated goals. Unless otherwise indicated, investment products: No bank guarantee Not a deposit Not FDIC/NCUA insured May lose value Not insured by any federal or state governent agency 3

clients. This is why it is imperative that Financial Professionals conduct their practices through an experienced broker/dealer such as Equity Services, Inc. (ESI).

5 Investments Backed by an extensive product line and industry recognized experts, ESI Financial Professionals have the tools needed to help you invest effectively. Our investment products, selected to fit your approach, include: Asset management programs more than a dozen professional asset management choices. Variable annuity & variable life products * selling agreements with the major insurance companies issuing variable annuity and/or life contracts. National Financial Services, LLC An industry leader ESI s clearing firm, National Financial Services, LLC ( NFS ), a Fidelity Investments Company, processes all of ESI s brokerage business including establishing new accounts, cashiering functions and other account maintenance. For clients who hold their assets in our brokerage accounts, NFS provides monthly or quarterly statements which report on all of the activity during the timeframe. They handle banking functions such as the payment and clearing of checks and debit card transactions. Also, NFS is responsible for tax reporting to the IRS and the generation of 1099s and other important tax documents. Mutual funds * over 11,000 mutual funds. Alternative investment programs ** real estate, equipment leasing, oil & gas. Adviser 529 plans saving for college and other educational expenses. Stocks & bonds thousands of publicly traded stocks and bonds, all available through the ESI affiliation with National Financial Services MyStreetscape your account management and trading platform. FDIC insured structured cds *** Investor Protection ESI Brokerage accounts are held by National Financial Services LLC ( NFS ), a Fidelity Investments Company, a Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at NFS also has arranged for coverage above these limits. Neither coverage protects against a decline in the market value of securities, nor does either coverage extend to certain securities that are considered ineligible for coverage. * Variable Annuities, Variable Life and Mutual Funds are sold by prospectus. For more complete information, please request a prospectus from your registered representative. Please read it and consider carefully the product s objectives, risks, charges and expenses before you invest or send money. The prospectus contains this and other information about the investment companies. ** Alternative Investments are generally illiquid, and the estimated value may not be realized when the investor seeks to liquidate the security. *** Structured cds may not be suitable for all investors and are sold only by prospectus. Investors should carefully read the prospectus and pricing supplement prior to investing which contains a detailed explanation of risks, tax treatment, and other relevant information about the investment. All entities referenced are independent of National Financial Services, LLC and Fidelity Investments. None of the entities referenced offer tax or legal advice. For advice concerning your own situation, please consult with your appropriate professional advisor. 4

Variable annuity & variable life products * selling agreements with the major insurance companies issuing variable annuity and/or life contracts.

6 MyStreetscape At ESI, we know that in today s fast-paced world, having access to your investments any time, anywhere is crucial. With access to the Internet, receive free stock quotes and daily mutual fund prices, review account activity and place equity trades. MyStreetscape is available 24 hours a day, 7 days a week. Online trading: MyStreetscape Mutual fund trading section Equity trading section Check order status Review open orders Check trade history Online account information Up-to-the-minute account information Easy-to-read consolidated statements Easy-to-read online trade confirmations (archived for 90 days) View and update cost basis information* trading Online market information Free quotes and daily mutual fund prices Market news Equity research reports Headline news 10 most active issues * Cost basis information is provided solely as a courtesy service. Neither ESI or NFS guarantees that the information provided is entirely sufficient or accurate for tax reporting purposes, and are not liable for your reliance on, and use of such information. 5

Online trading: MyStreetscape Mutual fund trading section Equity trading section Check order status Review open orders Check trade history Online account information Up-to-the-minute account

8 Home Office: One National Life Drive, Montpelier, Vermont Telephone: (800) Equity Services, Inc., Member FINRA/SIPC, is a Broker/Dealer and Registered Investment Adviser.

equity-services.com Equity Services, Inc.

ABOUT LPL FINANCIAL. The strength of partnership

ABOUT LPL FINANCIAL. The strength of partnership ABOUT LPL FINANCIAL The strength of partnership supporting financial advisors who serve you the need for objective advice has never been greater Amid an ever-changing investment landscape, investors need