Zurich Planners

Smart Business Tax Moves For Auto Dealers... - Classified Ad

noreply@blogger.com (Larry) — Tue, 20 Nov 2018 22:28:00 +0000

Smart Business Tax Moves For Auto Dealers... - Classified Ad

The Most Free Powerful Tool To Get Hired - Classified Ad

noreply@blogger.com (Larry) — Sat, 16 Jun 2018 22:42:00 +0000

The Most Free Powerful Tool To Get Hired - Classified Ad

There is nothing in the world like owning a business that you love and cherish.

noreply@blogger.com (Larry) — Sat, 12 Nov 2016 19:00:00 +0000

You can help make people’s lives better, control your own time, make money, and grow into your potential.

While wanting to start a business is a common desire, most people don’t act on it for at least one of the following reasons:Time
Money
No Network
No Product (or Service)
No Training or Resources

I can’t imagine how many wonderful business ideas never see the light of day because of one of those reasons.

This business:Gives you the freedom to choose the amount of time you want to put into it.
Requires only a small investment to get started.
Offers an extraordinary product that helps people grow and build the life they truly want.
Offers mentoring to guide you through every aspect of building your business, including sales and creating a network of people who are excited to work with you.
Provides a comprehensive training and an extensive library of resources that allow you to earn as you learn.

If you’re serious about having your own business and helping people grow, we’d like to talk to you about this opportunity in more detail.

Go here for more information.

To your success.

Larry

Do you have a deal that banks are afraid of?

noreply@blogger.com (Larry) — Thu, 28 Jan 2016 19:02:00 +0000

As a private money lender, we have the flexibility to look at all aspects of a deal.

We were able to recognize properties that are well established businesses, with great cash flow and in good physical condition.

While banks run away, we jump at the chance to help borrower's out.

When all is said and done, we are able to provide the borrower with the exact loan needed.

Land Loans

noreply@blogger.com (Larry) — Tue, 12 Jan 2016 03:31:00 +0000

Before the Great Recession, real estate developers were making a fortune developing raw land. How did they do it? They bought farmland or scrub land, had it re-zoned, them made the "horizontal improvements", and quickly sold off the individual home-site lots for a small fortune to builders of homes.

Note: horizontal improvements are defined as grading the property, bringing utilities to each lot, and putting in streets, sidewalks, curbs, and gutters.

At the time, commercial banks were making lots and lots of land loans and A&D loans. An A&D loan is an acquisition and development loan structured like a construction loan, where the construction budget includes the purchase price of the raw land, the hard costs of the horizontal improvements, the soft costs - including an interest reserve and sales commissions, and a contingency reserve of around 5% of hard and soft costs.

During the bubble in real estate prices leading up to the Great Recession, commercial banks were drinking the Kool-Aid and making A&D loans up to 70% of total cost. Some commercial banks were even going as high as 80% total cost! Can you say insane? No wonder there was a bubble.

As you know, the Great Recession destroyed the housing market, and land prices plummeted. The banks foreclosed, the banks took huge losses, and Federal banking regulators slapped the banking industry for being so stupid. Believe it or not, the losses in land development lending were often 80% - 90%...!!!!

Why care? Regulators have a long memory, and the absolute last loan that banking regulators want commercial banks to make today are land loans. Therefore, unless a developer is as rich as Donald Trump and has a banking history with a particular local bank going back for 15 years, he is probably NOT going to be able to get a land loan or a land development loan from a commercial bank.

Announcing the closing of a $1,690,000 loan in Michigan!

noreply@blogger.com (Larry) — Tue, 01 Dec 2015 02:34:00 +0000

The client was seeking financing on their 2 office buildings. One property was fully leased, but the other had become recently vacant. They had accumulated some delinquent property taxes and were on a forbearance agreement with their current lender. Even worse, both properties were located in Michigan, which lenders are notoriously unwilling to lend in.

This was solved by making a blanket loan securing both properties on a single security instrument, we helped mitigate the risk of the currently vacant property.

We were able to offer the borrowers a loan that both refinanced their existing loan and payed their deliquent taxes.

Do you have a scenario similar to this? Contact us today, even if this is not your situation!

Larry @ Lgpotter33@gmail.com

Looking for Asset Managers, Professional Brokers, Trusts, Wealth Management, Brokerages, Hedge Funds, Humanitarian organizations...

noreply@blogger.com (Larry) — Tue, 05 May 2015 15:16:00 +0000

We are looking for asset managers in the investment industry that need a firm, set guaranteed return on their client's funds, this is not a job offer. Are you one, or do you know any? This could help you and your clients.

We invite Asset Managers, Professional Brokers, Trusts, Wealth Management, Brokerages, Hedge Funds, Humanitarian organizations and high net worth individuals to participate without the monies being spent like traditional charities. We have a secure financial structure that allows you to support our humanitarian projects without your money ever leaving the safety of your bank account.

We only work with real money in a solid bank account. Great annual return and funds returned are now our selling points. The minimum is $10M

In our proposal, a sponsor can fund a project, make a return via the sponsorship and retain the sponsorship amount at all times...... Right where they had it, in their control and in their bank account with an annual return of 24%.

Have you this capability, or know someone that is capable?

Best Regards,

Larry Potter @ Kimlar92@gmail.com

Line of Credit with No Hassles

noreply@blogger.com (Larry) — Thu, 09 Apr 2015 03:09:00 +0000

We provide unsecured credit line for real estate purchase or business. There are no restrictions, it's as good as cash and you can use it as many times as you want. We don't require any collateral. And we offer 0% intro rates for the first 6 - 12 months. After that, it will be 8.99% variable apr. Lines will always remain open so you can use it for as long as you want as long as you make your payments.

LOW INTEREST RATES

- Rates as low as 8.99%! 0% interest rates for the first 6-12 months

UNSECURED/NO COLLATERAL

- Do not need to leverage any assets to acquire capital

NO RESTRICTIONS

- Funds can be used same as cash.

FUNDING IN AS LITTLE AS 20 BUSINESS DAYS

- Quick approval process

NO UPFRONT FEES

- We don't charge for submitting an application, we are paid solely on results. We charge 10% success fee based on the principle balance of funding our clients. You won't be charged the 10 points unless you already have the funding.

LINES WILL NOT REPORT TO THE PERSONAL CREDIT BUREAUS

- Drawing these credit lines will not affect your debt/credit ratios. Lenders will only report defaults to the personal credit bureaus.

HOW TO QUALIFY FOR CREDIT LINE: $10,000 to $150,000

1. Good personal credit. If you have less than perfect credit you can cosign with a credit partner with good credit, in fact most of our clients uses a credit cosigner. It will not affect his/her personal credit score unless you default. Any friends or family will do.

2. Must have business entity (EIN number)

Best Regards,

Larry Potter

FAQ on Managed Robotic Trading Program

noreply@blogger.com (Larry) — Wed, 31 Dec 2014 07:26:00 +0000

1. Any minimum / maximum percentage return per month based on $50K investment. We can supply an account that began in February 2014 and continued through third week of October with $50,000. The account doubled, tripled and then quadrupled. Client withdrew more than the initial investment of $50,000 and requested his account not be furthered used for knowledge. This client is free and clear of any future risk. Best effort but should be pleasing to any normal client's appetite.

2. In regards to the client's funds, are they in clients account or / and does the client have full control of the account? All clients go to the trading website and open their own account which is much the same as opening a checking account. Process should take 5 minutes or less. Client signs the LPOA and submits. They supply a recent utility bill that matches and proves their residence. Client will have the ability to download the trading platform software and via their personal account number and password, witness their trading being performed on their behalf 24/7. The risk is in play for about 2-3 weeks (based on recent history) and everyone's draw down is pegged at a maximum of 8%. This 8% should be viewed as allowing enough of the funds being exposed to trading and the reward of profit generation.

3. What or how are account management charges calculated by the trading program Performance fees are 60% on amounts of less than $100,000. $100,000 are moved to 50%. Accounts opened or achieving $250,000 and up are reversed to 60% to the client.

4. At some point it falls upon the client to make an investment decision and place their funds. ( Please explain what you mean) This means we provide quality trading and show our hand based on compiled history of an actual client's funds but this information must be digested and a decision made on an individual actual making an investment with the minimum amount being $50,000

It's been a long day but a productive one. I hope I answered your questions to your satisfaction and I am sure others will come about and you are welcome to reach out to us and I hope you see the possibilities presented here.

kimlar92@gmail.com to open an account now

Invested $50k, now up to $151,524.20

noreply@blogger.com (Larry) — Sat, 20 Dec 2014 01:13:00 +0000

This trade program is up over 44% over the last 3 quarters, the minimum is $50K to participate (you do not have to have an account to be a referral agent), lesser amounts may be able to be piggybacked to reach that.

Ours is Managed Robotic trading. It is a best effort situation. The Software does not have to sleep, eat and is watching the currency market at all hours of the day, around the global markets. Also looking for introducing agents and we pay your commissions.

We do not close down like most trade programs!

We have a Managed Robotic trading system. It is a best effort situation. The Software does not have to sleep, eat and is watching the currency market at all hours of the day, around the global markets.

If interested after reading the below, please email us at once. Minimum is $50K to open an account. Also looking for referral agents, we pay your commissions.

We freely share financial statements that we have the ability to download from our personal laptop. They are real and drawn from a third party liquidity provider, located in NYC. Clients CAN provide their own POF ($100,000) and gain the same access for themselves but there is going to be a window of access to be determined.

The account creation is fully automatic and quite easy to use. An account can be opened from scratch in mere minutes.

We are showing the numbers as real and performed with "live" money and $50,000 turning very solid returns. At some point it falls upon the client to make an investment decision and place their funds. Not saying you can't have questions and we'll address them as they come.

Key ingredients are: excellent returns, client opens their own account and fund their account
directly. Trading can commence within the same given week and the client controls the majority of the timing.

Thank you.

kimlar92@gmail.com

What you should know if you need a POF

noreply@blogger.com (Larry) — Wed, 08 Oct 2014 20:52:00 +0000

If you need a Proof of Funds, you should know that providers require collateral.

How much collateral is required?

It depends on the collateral, but double the required amount is a good place to start.

Larry
KimLar92@gmail.com

5 bullet blanket loans (totaling $1,112,857) closed in Memphis, TN.

noreply@blogger.com (Larry) — Tue, 08 Jul 2014 17:20:00 +0000

These 5 blanket loans consisted of 51 single family residences in Memphis totaled just over $1.1M

The investors were active in purchasing real estate at deeply discounted prices.

They located a portfolio of 54 SF residences in Memphis. Yes, the properties had deferred maintenance, tax liens, and the current lender was getting ready to foreclose on the owner. Because of all of this, the borrowers were not able to finance this portfolio purchase via traditional means, so they were looking for a solution. And they found it here.

The portfolio was reviewed and the properties that did not meet our lending criteria were eliminated. The borrowers then included additional properties in order to keep the necessary LTV. A title company was engaged to clear andy title issues.

As a result, the borrowers were able to receive the loan needed on 51 properties!

So, if you have a blanket loan that needs financing, visit us right here, right now!

Larry

Commercial & Business Financing – Nationwide

noreply@blogger.com (Larry) — Wed, 25 Jun 2014 15:54:00 +0000

Specialists in sourcing and providing financing from $1 million and up, with no upper limit.

We have the expertise and knowledge to understand your financing needs, and the experience and banking relationships to get your transactions funded quickly and professionally at the most aggressive rates and terms.

Email your request with full details and contact info to Lgpotter33@gmail.com now.

We cover all markets in the United States and select overseas markets.

Loan Amounts: $1,000,000 - $100,000,000

Lease Options to Buy and Commercial Loans

noreply@blogger.com (Larry) — Fri, 13 Jun 2014 22:03:00 +0000

Many borrowers, when exercising a lease-option on a commercial property, will use an SBA loan. There are times, however, when an SBA loan won't work, and a private money commercial loan from here can help.

When a commercial tenant chooses to exercise his option to buy, he will need a commercial loan. Most of the time commercial borrowers, with a lease-option-to-buy, are eligible for an SBA loan because the property is owner-used. By the way, the expression, owner-used, is actually more precise than owner-occupied because a commercial tenant does not actually live in the property.

If you are exercising a lease-option, be sure to submit your commercial loan application to several different SBA lenders. You can submit your commercial loan to over 200 different SBA lenders in just four minutes by tapping here now.

Private Money Commercial Loans Nationwide From $100,000 to $2.5MM

noreply@blogger.com (Larry) — Sat, 07 Jun 2014 14:00:00 +0000

Is your commercial property partially vacant? Do you need a lender who will allow the seller to carry back a second mortgage? Do you have a balloon payment coming due on a commercial property? Has your bank offered you a discounted pay-off? Do you have less-than-stellar credit? We make slightly scratched-and-dented commercial loans.

Get more information now, or apply in second!

Where? Right here.

$18.5MM Construction Loan Closed on a Mixed Use Project...

noreply@blogger.com (Larry) — Tue, 03 Jun 2014 19:00:00 +0000

Who says no one is making commercial construction loans these days? We just closed an $18.5 million commercial construction loan on a mixed use project in Monona, Wisconsin.

A mixed-use property combines residential income units (usually apartments) with commercial space (usually, but not always, retail). Mixed-use is not the same as mixed-commercial.

A mixed-commercial property is one that mixes two different classes of commercial property, like offices over ground-floor retail or retail in front of self-storage units.

We have closed over 1,000 different commercial real estate loans totaling over $1 billion.

Commercial construction lending is poised to come roaring back, as new commercial construction was almost non-existent during the Great Recession.

If you need a large commercial construction loan (or a small one) - or any type of commercial real estate loan - please tap here now.

Blanket loans on portfolios of rental homes.

noreply@blogger.com (Larry) — Fri, 23 May 2014 15:45:00 +0000

During the depth of the Great Recession, after residential real estate had fallen by 45%, some smart investors - including the giant opportunity fund, Blackstone - figured out that they could buy these cheap houses for all cash, fix them up a little bit, and rent them out for an 8% to 10% cash-on-cash return.

Suddenly foreclosed homes started disappearing from the market, as investors quickly snapped them up. Home ownership in America dropped from 67% to just 63%, and a lot of smart investors amassed large portfolios of rental homes.

Today, the hot, new product in commercial real estate finance is a blanket commercial loan against 5 or more rental homes.

We did four of these loans this month. Apply Now

Commercial RE Financing New Residential Investor Program and Land Loans

noreply@blogger.com (Larry) — Sat, 03 May 2014 15:26:00 +0000

We are funding more loans than ever.

Financing for All Commercial Property Types including Multi-family, Office, Industrial, Retail, Hotel, Self storage, Healthcare

A few of our recent closings include:

$4,875,000 Multi-family Refinance - Orlando, Florida
$6,320,000 Retail Center Refinance - Atlanta, Georgia
$14,170,000 Medical Office Construction - Atlanta, Georgia

We Have Recently Launched our Program for Residential Real Estate Investors!!

Ø Replace your hard money financing with conventional financing!!

Ø Acquisition or Refinance Rental Portfolios

Ø Minimum 5 Units - SFR, Condos, Townhomes

Ø Loan Amounts $500K to $50M

Ø Interest Rates 5% to 6%

Ø 5 & 10 Year Terms

Ø 30 year Amortization

Ø 75% LTV

Now Offering Land Loans SE US Only!!! Minimum loan Amount is $1,000,000

Sale Leaseback 100% Financing for C’Store / Gas Station Portfolios!!! Acquisition or Refinance - Minimum Loan Amount $5,000,000

When it ABSOLUTELY, POSITIVELY has to close NOW, send us an email at Lgpotter33@gmail.com with your needs and contact info...

Leased BG and SBLC

noreply@blogger.com (Larry) — Wed, 31 Jul 2013 18:11:00 +0000

SMALL SBLC & BG ($200K AND UP)

STAND BY LETTERS OF CREDIT & BANK GUARANTEES

We arrange an instrument or account from our investor in your name from a $6 billion Institution with time periods available from 90 days to 2 years.

Most banks offer small SBLC/BG in US Dollars or Euros!

Now available with SWIFT confirmations MT760 available!

FEATURES:

SBLC's and Bank Guarantees in Standard Formats!
Can also do these as Cash Accounts with MT799/MT999/MT199 at much lower prices!
Great escrow contract favors client!
Euro's or US Dollars
Bonded Escrow or Law Firms protect client's fees
No Transmission or upfront fees!
No Payment until verified and received
Brokers Always Protected!

LARGE SBLC & BG (now from just $5 MILLION AND UP)

STAND BY LETTERS OF CREDIT & BANK GUARANTEES

LOW PAYMENTS ARE BACK!
GET A ONE YEAR INSTRUMENT

FROM MAJOR BANKS
NOW INCLUDING AMOUNTS FROM ONLY $5 MILLION!!

Through our partners, we arrange an instrument from our investor in your name
from major banks and institution.
May include: HSBC, Bank of America, Standard Chartered, Barclays, Credit Suisse,
Societe Generale, Deutsche Bank, or others
Most banks offer SBLC/BG in US Dollars or Euros!

Now available with SWIFT confirmations MT760 available

FEATURES:

Delivered via MT760 Swift with Full Bank Responsiblity
Banks May Include: HSBC, Barclays, Credit Suisse, Deutsche Bank or equivalent
SBLC's and Bank Guarantees in Standard Formats from Major Banks!
Deals from $5 million availabile now!
Great escrow contract favors client!
Euro's or US Dollars
No Transmission costs or upfront fees!
No Payment until verified and received!
Brokers Always Protected!

Lgpotter33@gmail.com

New Concept in Partnering & Proof of Funds Investments

noreply@blogger.com (Larry) — Thu, 25 Jul 2013 20:20:00 +0000

The below information is what is needed to draw up a letter of interest/term sheet for your joint venture services. We can close a deal in as little as 1-3 days.

These funds are to fulfill any need for showing financial strength.

The partnership for POF is for certain type of transactions and also for above 50M.

We provide Equity/Cash for a wide variety of uses including:

VERIFICATION OF DEPOSIT/FINANCIAL STRENGTH
RESERVED/BLOCKED FUNDS FOR TRANSACTIONS
BUY/SELL TRANSACTIONS
PROOF OF RESERVES
MATCHING FUNDS

We welcome amounts from $200,000 to $5 billion and work with all credit types. We have private partnerships and directly correspond with investors to get the best rate possible!

We also welcome and protect all brokered deals and offer full service clerical support throughout the entire process!

Here is what we need to know:

* Contact Name:
* Contact Phone:
* Contact Fax:
* Contact E-Mail:

Notes:

* I am the principal, broker, agent, other ____________

* Name of Borrowers or Guarantors:

PROJECT INFO

* Type of Project:

* Names Wanted on Account:

* Details:

* City and State:

THE REQUEST

* How much is needed and purpose of funds:
* What is your timetable?
* I need the funds for 30, 60, 90 days, six months, one year or more _____________________

TELL US MORE

* Please tell us more about your request:

Send all request to us at Lgpotter33@gmail.com

IN HOUSE VERIFIED FUNDS ACCOUNTS, PLUS....

noreply@blogger.com (Larry) — Sat, 08 Jun 2013 00:51:00 +0000

NOW AVAILABLE

OUR IN HOUSE VERIFIED FUNDS ACCOUNTS

CASH ACCOUNTS/PRIVATE BANK ACCOUNTS

and CERTIFICATES OF DEPOSIT IN YOUR NAME

VERY LOW RATES!

CASH ACCOUNTS/FOREX ACCOUNT/PRIVATE BANK CD

VERIFIED FUNDS Accounts from $200K to $5B
Account Confirmation Letter from Fund Available
US Dollars or EURO's
Minimum 15 Day Accounts at rock bottom prices
FUNDS CAN BE BLOCKED OR RESERVED TO 3RD PARTY
Written, Fax & PHONE Verification Included!
Account Statements and Bank Letters

YOUR PROOF OF FUNDS/VERIFIED ACCOUNTS OR CERTIFICATE OF DEPOSIT (CD)

OPEN FOR 15, 30 or 60 DAYS with Unlimited 30 day renewals

(Cash Accounts/Money Market Account Statements/FOREX/PRIVATE BANK/Hedge Fund)

Amount	%
$100K to $5 Billion	.25% to 6%

The larger the deal, the lower the price! Larger deals? Let us know now.

(*Broker Rebate included in above rates)

Lgpotter33@gmail.com

What is a MT542 used for?

noreply@blogger.com (Larry) — Fri, 30 Nov 2012 20:23:00 +0000

A MT542 message is used to:

*instruct the delivery of financial instruments free of payment, physically or by book-entry, to a specified party (the function of the message is NEWM)

*request the cancellation of a deliver free of payment instruction previously sent by the account owner (the function of the message is CANC)

*pre-advise the account servicer of a forthcoming deliver free of payment instruction (function of the message is PREA).

The instruction may be linked to other settlement instructions, eg, for a turnaround or back-to-back, or other transactions, eg, foreign exchange deal, using the linkages sequence.

An MT-542 is sent by an account owner to an account servicer (account servicing institution). The account owner may be a global custodian which has an account with its local agent (sub custodian) or an investment management institution or a broker/dealer which has an account with their custodian.

Request whatever you need now: ProofOfFundsNow@gmail.com

Lease BG/SBLC with an ICBPO

More details at http://bankpayorder.blogspot.com

Purchase Proof of Funds, SBLC, LOC, VOD, BG

http://pofsnow.blogspot.com

What is an SBLC?

noreply@blogger.com (Larry) — Wed, 11 Jul 2012 15:13:00 +0000

A standby letter of credit is a type of bank Instrument that can be issued to trusts, pension funds, individuals, non profit organizations, corporations, endowments, or to any payable entity.

A SBLC substitutes the credit of the bank for that of the client, for the purpose of facilitating trade. It serves as a secondary payment mechanism. A bank will issue a standby letter of credit on behalf of a client to provide assurances of his ability to perform under the terms of a contract between the beneficiary. The parties involved with the transaction do not expect that the SBLC will ever be drawn upon. It assures the beneficiary of the performance of the customer’s obligation.

A standby letter of credit is often used to guarantee performance or to strengthen the credit worthiness of a client.

A client can often have a SBLC in their hands in 5 business days or less once they submit a brief intake form, a sample of which can be obtained from ProofOfFundsNow@gmail.com

The biggest drawback to obtaining a SBLC, proof of funds or BG, is that many clients and brokers think they are going to get one without any type of upfront payment upon execution. That will never happen. Some providers, though, will allow the client to make a 40% payment and then setup a payment schedule for the balance. We know of one provider who will do that.

Poster is not a United States Securities Dealer, Broker or US Investment Advisor. This post is not to be considered a solicitation for any purpose in any form or content, nor an offer to sell and/or buy securities. Merely describing the details of an existing private program does not constitute an offer or solicitation of any kind.

What is a Letter of Credit ( LOC ) ?

noreply@blogger.com (Larry) — Tue, 19 Jun 2012 14:35:00 +0000

A Letter Of Credit is a letter from a bank guaranteeing that a buyer's payment to a seller will be received on time and for the correct amount. In the event that the buyer is unable to make payment on the purchase, the bank will be required to cover the full or remaining amount of the purchase.

A letter of credit is often used in international transactions to ensure that payment will be received. Due to the nature of international dealings including factors such as distance, differing laws in each country and difficulty in knowing each party personally, the use of letters of credit has become a very important aspect of international trade. The bank also acts on behalf of the buyer (holder of letter of credit) by ensuring that the supplier will not be paid until the bank receives a confirmation that the goods have been shipped.

http://pofsnow.blogspot.com/

Proof of Funds For Investments?

noreply@blogger.com (Larry) — Fri, 11 May 2012 18:01:00 +0000

For most POFs the Minimum is $100K - Maximum is $500M, check with your provider.

A Proof of Funds is not a loan, but it is a perfect inexpensive and fast way to joint venture with a strong partner to your current financial profile, show reserves or buy time in your transactions with our verified funds.

Can be used for any purpose including, but not limited to:

* Proof of Liquidity
* Proof of Collateral

* Net worth requirement

* Bond Requirement
* Show of Down Payment

Different formats can include bank letters, verification of deposit form (VOD), TELEX, Swifts, DTC or Euroclear screens and/or account statements, phone/fax verification and online account access.
This is NOT a loan. This service is providing Proof of Funds.

Funds are in a bank account in your name. No piggy back accounts.

Service is Guaranteed.

All funds are seasoned, new lower rates.

Some can close a deal in as little as 1-3 days.

Lgpotter33@gmail.com

DISCLAIMER: Poster is not a Securities Dealer, Broker or US Investment Adviser. Sender is a Consultant only and makes neither warranties nor representations as to the Buyer, Seller nor Transaction. Receipt of these documents is acknowledgment and acceptance that this is privileged, proprietary and confidential and will not be forwarded to any party(s) without prior written consent from the sender. Any email letter and any and all attachments and related documents are never considered to be a solicitation for any purpose in any form or content. This is intended to only be educational and you should do your own due diligence. We are not selling anything. Upon receipt of any such documents you, as the Recipient, hereby acknowledge this Warning and Disclaimer. These Confidential communications are protected under Gramm-Leach-Bailey Act 15 USC, Sub chapter 1, sections 6801-6809 and other laws addressing the disclosure of Non-Public Personal Information. Any misuse of this material will result in prosecution to the fullest extent of the law. Note: This communication and any documents, or files, attached to it, constitute an electronic communication within the scope of the Electronic Communication Privacy Act, 18 USCA 2510. This communication may contain confidential, or privileged information intended for the sole use of the designated recipients(s). The unlawful interception, use, or disclosure of such information is strictly prohibited under 18 USCA 2511 and any applicable laws.