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Last Updated 10/15/08

This internet site may provide links to other sites for your convenience in locating

related information and services. This Agency, The Guardian Life Insurance Company

of America (Guardian) and Park Avenue Securities, LLC (PAS) do not maintain these

other sites and have no control over the organizations that maintain the sites or the

information, products, or services these organizations provide. This Agency, Guardian

and PAS cannot make any representation or warranty as to the accuracy, timeliness,

suitability, completeness, or relevance of any information prepared by any unaffiliated

third party, whether linked to this Internet site or incorporated herein, and take no

responsibility therefore. This Agency, Guardian and PAS do not recommend or endorse

these organizations or their products or services in any way.

Charles Richard Derrick, Registered Representatives of Park Avenue Securities, LLC (PAS). Securities products and services are offered through PAS, 954 Ridgebrook Road, Suite 300, Sparks, Md. 21152, 410-828-5400. Field Representatives, The Guardian Life Insurance Company of America, New York, New York. PAS is an indirect, wholly-owned subsidiary of Guardian. Derrick Financial Group is not an affiliate or subsidiary of PAS or Guardian.

Stephen Lee Derrick and Charles Lee Derrick, Registered Representatives and Financial Advisors of Park Avenue Securities, LLC (PAS). Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor, 954 Ridgebrook Road, Suite 300, Sparks, Md. 21152, 410-828-5400. Field Representatives, The Guardian Life Insurance Company of America, New York, New York. PAS is an indirect, wholly-owned subsidiary of Guardian. Derrick Financial Group is not an affiliate or subsidiary of PAS or Guardian.

PAS is a member FINRA, SIPC.

The information on this site is intended for the residents of AZ, DC, DE, GA, ID, KY, MA, MD, ME, NC, PA, SC, and VA. The financial representatives of Derrick Financial Group are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Lee Derrick at 800-811-8915.

Registered Representatives securities licensed in AZ, DC, GA, ID, KY, MA, MD, ME, NC, PA, SC, and VA. This website is strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states.

Neither Guardian, nor its subsidiaries, agents or employees provide tax or legal advice. You should consult your tax or legal advisor regarding your individual situation.

The Living Balance Sheet ® is a registered trademark of The Guardian Life Insurance Company, New York, NY.

The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.