FINANCIAL OPTIONS INCORPORATED

Registered Representative of, and Securities and Investment Advisory Services offered through Hornor, Townsend & Kent, Inc. (HTK), Registered Investment Advisor, Member FINRA/SIPC, 105 Fieldcrest Avenue, 5C Edison, NJ 08837 (732) 225-0777- Financial Options Incorporated and PEGG are independent of HTK.

HTK is a wholly owned subsidiary of The Penn Mutual Life Insurance
Company and does not offer tax or legal advice.




A8CD-0604-04



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