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J. Michael Wilbanks 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 California (CA INS LIC # 0C08509), Arizona, Georgia, Illinois, Nevada, Texas and Washington. No insurance business may be conducted outside of the states referenced.

J. Michael Wilbanks is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency and a New York Life Company. In this regard, this communication is strictly intended for individuals residing in the states of California (CA INS LIC # 0C08509) & Illinois. No offers may be made or accepted from any resident outside the specific states referenced.

Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.