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Securities and insurance products are offered through Essex National Securities, LLC., member (FINRA & SIPC) which is not affiliated with Flagstar Bank. Certain insurance products are offered through Douglas Insurance Agency, Inc., doing business as Flagstar Investment & Insurance Services, which is affiliated with Flagstar Bank.

NOT GUARANTEED BY THE BANK - NOT FDIC INSURED - NOT A DEPOSIT - NOT INSURED BY ANY GOVERNMENT AGENCY - MAY LOSE VALUE INCLUDING LOSS OF PRINCIPAL