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    <lastmod>2025-05-20</lastmod>
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      <image:title>Fees</image:title>
      <image:caption>Investment advisory fees are payable monthly, in arrears, and is calculated as a percentage of the Client’s assets under management, including all cash and other assets in the Account(s) (the “Account Value”). The fee is calculated as follows: [Account Value at month end] x [annual rate] / [number of days in the year] x [the number of days in the prior month].</image:caption>
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      <image:title>Update 3-16-2020</image:title>
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    <lastmod>2024-02-21</lastmod>
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    <lastmod>2024-02-21</lastmod>
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    <lastmod>2026-04-01</lastmod>
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      <image:title>Update 3-12-2020</image:title>
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