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Charles Schwab & Co., Inc. (“Schwab”) is a registered broker-dealer, and is not affiliated with any advisor(s) whose name(s) appear(s) on this Web site. “First Fiduciary” is independently owned and operated. Schwab neither endorses nor recommends any particular advisor or investment strategy. “First Fiduciary” provides investment advisory services for your account. Schwab has agreements with ” First Fiduciary” under which Schwab provides “First Fiduciary” with services related to your account. Schwab does not review the “First Fiduciary” Web site, and makes no representation regarding the content of the Web site. The information contained in the “First Fiduciary” Web site should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.