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Securities, mutual funds and other non-deposit investments:

NOT FDIC INSURED

|

MAY LOSE VALUE

|

NO BANK GUARANTEE

Deposit products offered by Fiduciary Trust Company International, Member FDIC.

Cash balances in your Checking Account or Account may be placed on deposit at FTCI or at other banks in the United States and, if so, are insured to the maximum extent permitted under the FDIC's general deposit insurance rules in accordance with the Federal Deposit Insurance Act (further details can be found at http://www.fdic.gov/deposit/).