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Investment and insurance products and services are offered through Osaic Institutions, Inc., Member FINRA/SIPC.  First Scotia Wealth Management is a trade name of the 1^st National Bank of Scotia. Osaic Institutions and 1^st National Bank of Scotia are not affiliated. Products and services made available through Osaic Institutions are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.