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<PAGE> VANGUARD FLORIDA INSURED TAX-FREE FUND PROSPECTUS SUPPLEMENT SEPTEMBER 9, 1994 Effective September 16, 1994, check purchases into all Vanguard bond fund portfolios will receive a trade date the day the funds are received in good order by Vanguard. (See "Shareholder Guide" for definition of good order). This represents a change from our previous policy to hold purchases until the next business day, pending Federal Funds conversion. PS18
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