munication and/or attorney work product and may not be used, reproduced, reformatted or in any way referred to without the prior written consent of Ray, Mitev & Associates, under penalty of law. If you have received this message in error, or are not the intended recipient, please notify us immediately and destroy this

munication and/or attorney work product and may not be used, reproduced, reformatted or in any way referred to without the prior written consent of Ray, Mitev & Associates, under penalty of law. If you have received this message in error, or are not the intended recipient, please notify us immediately and destroy this

munication and/or attorney work product and may not be used, reproduced, reformatted or in any way referred to without the prior written consent of Ray, Mitev & Associates, under penalty of law. If you have received this message in error, or are not the intended recipient, please notify us immediately and destroy this