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Licensed to conduct insurance business in: Arizona, California (0C49085), Connecticut, Florida, Massachusetts, New Jersey New York, North Carolina, North Dakota, Ohio, Pennsylvania and Virginia.

Securities licensed in: Arizona, California, Connecticut, District of Columbia, Delaware, Florida, Idaho, Maryland, Minnesota, Nevada, New Jersey, New York, North Carolina, Ohio, Pennsylvania and Washington.

Investment Advisory licensed in: California, Connecticut, Idaho, Minnesota, Nevada, New Jersey, New York, North Carolina, Ohio and Pennsylvania.

No offers may be made or accepted from any resident outside these specified states.

Guardian, its subsidiaries, agents or employees do not give tax or legal advice.

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