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                    Disclosure

                    Seungjin Seok 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 AZ, CA (CA Insurance License #0H89595), GA, ID, IL, NJ, NV, NY, OH, SC, TX, UT, VA, and WA. No insurance business may be conducted outside the states referenced.

                    Naomi Chang 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 AZ, CA (CA Insurance License #0G43973), FL, GA, MD, NJ, VA, WA, WI. No insurance business may be conducted outside the states referenced.

                    Steve Shim 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 AZ, CA (CA Insurance License #0F85411), and WA. No insurance business may be conducted outside the states referenced.

                    Seungjin Seok is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 2400 E Katella Ave Ste 800, Anaheim, CA, 92806, 714-255-7145. In this regard, this communication is strictly intended for individuals residing in the states of CA, GA, ID, IL, NJ, NV, NY, OH, SC, TX, UT, VA, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

                    Seungjin Seok is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CA, GA, ID, IL, NJ, NV, NY, OH, SC, UT, VA, and WA. As such, these services are strictly intended for individuals residing in the states referenced.

                    Naomi Chang is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 2400 E. Katella Ave Suite 800 Anaheim, CA 92806. In this regard, this communication is strictly intended for individuals residing in the states of CA, GA, NJ, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

                    Steve Shim is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 2400 E. Katella Ave Suite 800 Anaheim CA 92806. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, NJ, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

                    The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

                    Coram Deo Insurance and Financial Services, Inc. is not owned or operated by NYLIFE Securities LLC or its affiliates.

                    Neither Coram Deo Insurance and Financial Services, Inc. nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

                    For more information about NYLIFE Securities LLC and its investment professionals.

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