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Ravi D. Balchand is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of New York, New Jersey, Texas, Connecticut and Pennsylvania. No insurance business may be conducted outside these states referenced.

Ravi Balchand is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency, 1983 Marcus Avenue Ste. 210 Lake Success, New York 11042. In this regard, this communication is strictly intended for individuals residing in the states of New York, New Jersey and Texas. No offers may be made or accepted from any resident outside the specific state referenced.

NYLIFE Securities LLC is a New York Life Company.