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| Securities and Insurance Products and Services: |
| Are Not FDIC or any other Government Agency Insured | Are Not Bank Guaranteed | May Lose Value |
| Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products are provided by SunTrust Bank, a member of the FDIC. Securities, Insurance and other investment products and services are provided by SunTrust Investment Services, Inc., a registered broker/dealer and a member of the NASD and SIPC. |