Gateway Financial and/or its agents, Beth Lang*, Anthony M. Perricelli* (California Insurance License Number 0G31430), David J. Malone* (California Insurance License Number 0C26326), Samuel S. Zacharias* (California Insurance License Number 0E48663), John S. Zacharias* and Richard I. Lerach* (California Insurance License Number OH36532) are presently licensed to sell traditional life insurance in the following states: Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, and Wisconsin. NOTE: Gateway Financial Insurance services are limited to residents of the above listed states. Residents of other states should consult with a local agent for insurance service.

Variable life and annuity products, as well as other securities products, may be sold in the following states: California, Colorado, Delaware, Florida, Georgia, Maine, Maryland, Michigan, New Jersey, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, South Carolina, Vermont, Virginia, and West Virginia. NOTE: Securities products are offered to residents of the above listed states. Residents of other states should consult with a local registered representative for securities products.

* Registered Representative offering Securities Through M Holdings Securities, Inc.,
A Registered Broker/Dealer, Member FINRA/SIPC.
Gateway Financial is independently owned and operated.

Proper state registration is mandatory prior to conducting business in that state.