Electronic communications may contain confidential information and are intended solely for the use of the intended recipients and may only be used for the purpose for which they were sent. If you are not the intended recipient, please notify the sender by replying to this email and delete the email and any attachments immediately. Any unauthorized copying, disclosure, retention, or distribution of this email, its contents, or its attachments, or any action taken based on them, is strictly prohibited.

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Attachments that are part of an electronic communication may contain additional important disclosures and disclaimers that you should read.

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Lifetime Value Management cannot provide absolute assurances that all electronic transmissions (sent or received) are secure, error-free, uncorrupted, incomplete, or virus-free, and/or that they will not be lost, misdelivered, destroyed, delayed, or intercepted/decrypted by others.

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All information provided herein is for informational purposes only. It does not constitute an offer to sell or a solicitation of an offer to buy any security or investment product. Past performance is not indicative of future results.

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No representation, express or implied warranty, or guarantee is made as to the accuracy, completeness, or timeliness of the information provided in this message, which has not been prepared to meet the reporting standards of any regulatory organization, association, or trade organization, has not been independently verified, may be based on assumptions, and may change without notice.

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Any electronic communication conducted within or through Lifetime Value Management’s systems is subject to archiving, monitoring, and production by regulators and in litigation in accordance with Lifetime Value Management's policy and local laws, rules, and regulations.

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Lifetime Value Management and its affiliates accept no liability whatsoever for any direct, indirect, or consequential loss arising from actions taken based on the contents of this email or its attachments.