Depending on which Naga is occupying your mind you gain the following...
the Guardian Naga: You gain +2 on Persuasion checks and can cast command once a day
The Spirit Naga: You gain +2 on Deception checks and can cast charm person once a day
If you fall to 0 HP, the Naga takes control over your body. You roll your death save like normal, the Naga has full control until you gain consciousness or if your failed your death saves. What happens depends on the Naga controlling the body.
Example:
The Guardian Naga maybe more inclined towards negotiating, even towards those who are hostile.
the Spirit Naga maybe more inclined towards violence, even towards those who are friendly.
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