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PROFESSIONAL USE ONLY This material is intended only to facilitate general discussions and is not intended to be used as a general guide to invest, or as a source of any specific recommendation, and makes no implied or expressed recommendations concerning the manner in which clients’ accounts should or would be handled, as appropriate strategies depending on the client’s specific objectives. This does not constitute an offer or solicitation with respect to the purchase or sale of any security in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it would be unlawful to make such an offer or solicitation.

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