Disclosures

Jeffrey M. Wasserman, Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS), 25101
Chagrin Boulevard, Suite 100, Beachwood, Ohio 44122, (216) 360-7400. Securities products/services and advisory services
are offered through PAS, a registered broker/dealer and investment advisor. Financial Representative, The Guardian Life
Insurance Company of America (Guardian), New York, NY. PAS is an indirect wholly-owned subsidiary of Guardian. Oswald
Specialty Life is not an affiliate or subsidiary of PAS or Guardian.

Guardian, its subsidiaries, agents, or employees do not provide legal or tax advice.

PAS is a Member of NASD, SIPC.