SECURITIES: ARE NOT FDIC-INSURED/ARE NOT BANK-GUARANTEED/MAY LOSE VALUE

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Please consult with the FA as s/he may not be registered in all states. Insurance-related services may not be provided to individuals residing in any states other than (MI, TX, VA).

Wachovia Securities, LLC, Member NYSE/SIPC, is a registered broker-dealer and a separate nonbank affiliate of Wachovia Corporation.

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