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Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC, and are not insured
by bank insurance, the FDIC or any other government agency, are not deposits or obligations of the bank, are
not guaranteed by the bank, and are subject to risks, including the possible loss of principal. Investment
Advisory services offered through Raymond James Financial Services Advisors, Inc. Independent Retirement
Associates, FNBT Bank, and Farmers & Merchants Bank are not registered broker/dealers and are independent
of Raymond James Financial Services, Inc.
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