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For more complete information, including charges and expenses, on the mutual funds/variable annuities offered by the investment companies listed, please refer to the prospectuses available at the sponsor sites or please request a prospectus from the sponsor or e-mail us or call us at info@karncouzens.com 860.676.2727. Please read it carefully before you invest/

By linking to an above site, you are leaving the website of Karn Couzens and Associates Inc. and you assume total responsibility and risk for your use of the site(s).