baccarat winning strategy It is with deep sadness and a heavy heart that we share the news of the unexpected passing of Daniel “Dan” Rey Ericksen, 55, of Duluth, on November 19, 2024 at Essentia Health St. Mary’s Medical Center. His mother and all three of his brothers were at his side at the time of his passing. Dan was born in Duluth, Minnesota on December 27, 1968 to Stanley and Diane Ericksen, living his entire life in Duluth, a city he loved so much. Dan graduated from Duluth Central High School in 1987, where he enjoyed playing various sports, excelling in his favorite sport, basketball. He was an avid fan and was passionate about watching the Minnesota Twins, Minnesota Vikings and UMD Hockey games. The greatest joy in Dan’s life was the moment he welcomed his only son, Dominic, into the world. Watching Dominic grow and mature into the exceptional person he is today made Dan proud and appreciate his son even more. Dan thoroughly enjoyed watching Dominic participate in various sports competitions, both locally and away from Duluth. Dan hoped that he instilled many memories in Dominic for him to always remember how much his father loved him. Dan treasured the memories of going hunting and fishing with his son, brothers, family members and friends. Dan worked for the International Longshoreman’s Association Local 1037 since he was 17 years old. At the time of his death, Dan was the Vice-President of the ILA union. He has a great sense of humor, often joking and loved to make people laugh, which made his job and getting through life easier. Dan was preceded in death by his father, Stanley and his grandparents. He is survived by his mother, Diane of Duluth; his son, Dominic, of Faribault; and his three brothers: Tim of Duluth, “Rocky” (Tracy Davey) of Duluth and James (Stephanie) of Hermantown; and Dan’s many nieces and nephews. Dan leaves behind many loving family members and dear friends who he truly enjoyed sharing his life with. He will be greatly missed by all who knew him. Dan’s family would like to openly express their sincere gratitude and a heart-felt “Thank You” to the entire staff at Essentia Health St. Mary’s Hospital Oncology Center for their compassionate and professionalism in caring for Dan. Dan’s “Celebration of Life” will be held at the Cremation Society of Minnesota, 4100 Grand Ave, in Duluth 11:00 am Saturday, January 11, 2025, with the visitation beginning at 10:00 am. A private family Inurnment service will be held at Calvary Cemetery at a later date.

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NEW ORLEANS (AP) — A lopsided, shutout loss has left the beat-up New Orleans Saints limping into the final two games of a lost season — and into a rather cloudy future beyond that. Saints interim coach Darren Rizzi figured that a visit to playoff-bound Green Bay would be a tall order for his injury-riddled squad, whose prominent missing players included starters at quarterback, running back and receiver. And when New Orleans' mostly healthy defensive front struggled against a Packers ground game led by running back Josh Jacobs, the rout was on. Nothing "stuck out on film other than a lack of execution and lack of playmaking,” Rizzi said Tuesday after reviewing video of Monday night's 34-0 loss at Green Bay . “We played against a playoff team, at their place, that has very few holes on their team,” Rizzi added. “It was a little bit of a perfect storm." Rizzi, a special teams coordinator who has made no secret that he sees his eight-game interim stint as an opportunity to further his head-coaching ambitions, has two more games left in what has been an up-and-down audition. The Saints are 3-3 on his watch, which includes one of New Orleans' most lopsided losses since the turn of the century. With the playoffs unattainable, and with a lot of reserves pressed into service, the final two weeks will serve primarily as a player-evaluation period heading into the offseason, when there are bound to be myriad changes on the roster and perhaps the coaching staff. Rizzi said the Saints, realistically, have been in evaluation mode “for the last month or so,” but added that there maybe be additional young or practice-squad players getting longer looks in the final two games. “My big thing this week is to see how we can respond,” Rizzi said. “We’re going to find out a lot about a lot of people.” What’s working Of the Saints' four punts, three were inside the Green Bay 20 and New Orleans did not allow a single punt return yard. The punt team might have been the only unit that executed its job (even the kickoff unit allowed a 38-yard return). What needs help The Saints had trouble protecting the quarterback (three sacks) and protecting the football (two turnovers). They couldn't run the ball (67 yards). They couldn't stop the run (188 yards allowed). They couldn't pass the ball consistently (129 yards) or stop the pass when they needed to. As former Saints coach Jim Mora once said, they couldn't do “ diddly poo .” Although rookie quarterback Spencer Rattler largely struggled and was responsible for both New Orleans turnovers, he had enough highlights — including a jumping, first-down pass on third-and-long — to keep him penciled in as the starter if the injured Derek Carr remains unable to play, Rizzi said. “It was definitely a performance where we got to take the good with the bad,” Rizzi said. “We've got to get rid of those negative plays.” Stock up New Orleans native Foster Moreau has emerged as one of the Saints' most reliable offensive players. The sixth-year NFL tight end made two catches for a team-high 33 yards on Monday night, giving him 25 catches for 335 yards this season. His four TDs receiving entering the game remain tied for the team lead. Stock down Rizzi was riding high after two wins to start his interim term as head coach, but Monday night's ugly loss is the club's third in four games and took a lot of luster off his candidacy for a longer-term appointment. Injury report Center Erik McCoy left the game with an elbow injury, while guard Lucas Patrick hurt his knee in the closing minutes. Rizzi said McCoy won't need surgery but could miss the rest of the season. The coach said Patrick needs more tests but is not expected to play again this season. While the chances of Carr (non-throwing, left hand) or top running back Alvin Kamara (groin) playing again this season appear slim, the Saints have declined to rule that out. Rizzi said Carr is getting closer to being able to play and wants the opportunity to go against his former team, the Las Vegas Raiders. Meanwhile, Rizzi said Kamara “is working his tail off to try to come back” this season. “Alvin told me this morning, in my office, that he really would like to play again,” Rizzi said. Key number 24 — The number of years since the Saints suffered a more lopsided shutout loss, 38-0 against San Francisco in 2002. Up next The Saints' home finale against lowly Las Vegas will be an anticlimactic affair bound to generate a level of fan interest similar to, if not less than, a preseason game. But the game will be important to the current regime, which needs victories in each of the club's final two games to avoid the franchise's worst record since it was displaced by Hurricane Katrina in 2005 and went 3-13. ___ AP NFL: https://apnews.com/hub/NFL Brett Martel, The Associated PressEdmunds: Five dream-worthy vehicles you wish you got for the holidays

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NEW YORK--(BUSINESS WIRE)--Dec 10, 2024-- UBS AG announced today the per-security amounts payable (collectively, the “Call Settlement Amounts”) for the below seven UBS-issued exchange traded notes set forth in the following table (collectively, the “ETNs”). DJCB due October 31, 2039 [2] $20.8636 90269A450 12/12/2024 WUCT due March 13, 2053 $36.2753 90278V222 12/12/2024 AMNA due June 21, 2050 [3] $53.5830 90269A351 12/12/2024 AMND due July 19, 2050 [3] $53.5415 90269A252 12/12/2024 AMTR due October 20, 2050 [3] $76.6566 90269A245 12/12/2024 ESUS due September 15, 2061 [4] $36.1178 90278V743 12/12/2024 FEDL due September 15, 2061 [4] $55.6842 90278V750 12/12/2024 [1] The table above provides a hyperlink to the relevant prospectus and supplements thereto for each of the ETNs, which are identified by their names. Each of the above ETNs are part of the UBS AG’s Medium Term Notes, Series B, on which UBS AG is sole obligor. Capitalized terms used but not defined in this press release shall have the meanings ascribed to such terms in the relevant prospectus supplement (including, as applicable, any product supplement and pricing supplement (each such supplement, a “prospectus supplement”)) for the ETNs. The Call Settlement Amount in this table refers to the Redemption Amount as defined in the securities represented by DJCB. [2] The prospectus addendum with a link to the updated base prospectus and the changes to the section entitled “Early Redemption” on page S-3 of the prospectus supplement can be accessed . [3] The prospectus addendum with a link to the updated base prospectus can be accessed . [4] The prospectus addendum with a link to the updated base prospectus can be accessed On November 20, 2024, UBS AG announced the redemption of the ETNs. UBS will pay the applicable Call Settlement Amount to investors holding the ETNs on December 12, 2024. This press release contains statements that constitute “forward-looking statements” that are subject to risks and uncertainties, and actual results may differ materially. These statements could contain words such as “possible,” “intend,” “will,” “may,” “intends,” “would,” “if,” “expect,” “potentially” or other similar expressions. Forward-looking statements, including those relating to UBS AG’s plans for the ETNs, are based on management’s current expectations and assumptions, and are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. While these forward-looking statements represent UBS’s judgments, expectations and objectives concerning the matters described, a number of risks, uncertainties and other important factors, including whether UBS AG will actually complete the redemption of the ETNs, could cause actual developments and results to differ materially from UBS’s expectations. For a discussion of the risks and uncertainties that may affect the ETNs please refer to the "Risk Factors" in the applicable prospectus supplement(s) relating to the ETNs referenced in Table-1. UBS is not under any obligation to (and expressly disclaims any obligation to) update or alter its forward-looking statements, whether as a result of new information, future events, or otherwise. ETRACS ETNs are senior unsecured notes issued by UBS AG, are traded on NYSE Arca, and can be bought and sold through a broker or financial advisor. UBS AG has filed a registration statement (including a prospectus and supplements thereto) with the Securities and Exchange Commission, or SEC, for the offerings of securities to which this communication relates. Before you invest, you should read the prospectus, along with the applicable prospectus supplement(s) to understand fully the terms of the ETNs and other considerations that are important in making a decision about investing in the ETNs. The applicable offering document for each ETN may be obtained by clicking on the name of each ETNs identified above. You may also get these documents without cost by visiting EDGAR on the SEC website at . The securities related to the offerings are not deposit liabilities and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency of the United States, Switzerland or any other jurisdiction. UBS is a leading and truly global wealth manager and the leading universal bank in Switzerland. It also provides diversified asset management solutions and focused investment banking capabilities. With the acquisition of Credit Suisse, UBS manages $5.7 trillion of invested assets as per fourth quarter 2023. UBS helps clients achieve their financial goals through personalized advice, solutions and products. Headquartered in Zurich, Switzerland, the firm is operating in more than 50 markets around the globe. UBS Group shares are listed on the SIX Swiss Exchange and the New York Stock Exchange (NYSE). In the US, securities underwriting, trading and brokerage activities and M&A advisor activities are provided by UBS Securities LLC, a registered broker/dealer that is a wholly owned subsidiary of UBS AG, a member of the New York Stock Exchange and other principal exchanges, and a member of SIPC ( ). UBS Financial Services Inc. is a registered broker/dealer and affiliate of UBS Securities LLC. This material is issued by UBS AG and/or any of its subsidiaries and/or any of its affiliates ("UBS"). This document was produced by and the opinions expressed are those of UBS as of the date of writing and are subject to change. It has been prepared solely for information purposes and for the use of the recipient. It does not constitute an offer or an invitation by or on behalf of UBS to any person to buy or sell any security. The information and analysis contained in this publication have been compiled or arrived at from sources believed to be reliable but UBS does not make any representation as to their accuracy or completeness and does not accept liability for any loss arising from the use hereof. Products and services mentioned in this material may not be available for residents of certain jurisdictions. Past performance is not necessarily indicative of future results. Please consult the restrictions relating to the product or service in question for further information. Bloomberg is not affiliated with UBS. UBS assumes sole responsibility for this press release, which has not been reviewed by Bloomberg. None of Bloomberg, UBS AG, UBS Securities LLC or any of their subsidiaries or affiliates (collectively, "Bloomberg or UBS") guarantees the accuracy and/or the completeness of the Bloomberg Commodity IndexSM or any data related thereto and neither of Bloomberg or UBS shall have any liability for any errors, omissions or interruptions therein. Neither of Bloomberg or UBS makes any warranty, express or implied, as to results to be obtained by owners of the securities or any other person or entity from the use of the Bloomberg Commodity IndexSM or any data related thereto. Neither of Bloomberg or UBS makes any express or implied warranties and expressly disclaims all warranties of merchantability or fitness for a particular purpose or use with respect to the Bloomberg Commodity IndexSM or any data related thereto. Without limiting any of the foregoing, to the maximum extent allowed by law, Bloomberg, its licensors (including UBS), and its and their respective employees, contractors, agents, suppliers and vendors shall have no liability or responsibility whatsoever for any injury or damages— whether direct, indirect, consequential, incidental, punitive or otherwise—arising in connection with the Bloomberg Commodity IndexSM or any data or values relating thereto—whether arising from their negligence or otherwise, even if notified of the possibility thereof. There are no third-party beneficiaries of any agreements or arrangements among Bloomberg and UBS Securities LLC, other than UBS AG. The securities referred to herein are not sponsored, endorsed, issued, sold or promoted by MSCI, and MSCI bears no liability with respect to any such securities or any index on which such securities are based. The respective ETN prospectus contains a more detailed description of the limited relationship MSCI has with UBS. Alerian Midstream Energy Index, Alerian Midstream Energy Dividend Index, AMNA, AMNTR and AEDW are trademarks of VettaFi and their use is granted under a license from VettaFi. VetttaFi owns and administers the Alerian Index Series. Solactive AG (“Solactive”) is the licensor of Solactive Whitney U.S. Critical Technologies CNTR Index (the “Index”). The Index has been developed in cooperation with J.H. Whitney Data Services, LLC (“J.H. Whitney”). The financial instruments that are based on the Index are not sponsored, endorsed, promoted or sold by Solactive or J.H. Whitney in any way and Solactive or J.H. Whitney make no express or implied representation, guarantee or assurance with regard to: (a) the advisability of investing in the financial instruments; (b) the quality, accuracy and/or completeness of the Index; and/or (c) the results obtained or to be obtained by any person or entity from the use of the Index. Solactive or J.H. Whitney do not guarantee the accuracy and/or the completeness of the Index and shall not have any liability for any errors or omissions with respect thereto. The Index has not been designed to achieve positive returns and neither Solactive nor J.H. Whitney is acting as a fiduciary or investment adviser for any user of the Index or investor in any financial instrument based on the Index. Notwithstanding Solactive’s obligations to its licensees, Solactive reserves the right to change the methods of calculation or publication with respect to the Index and Solactive or J.H. Whitney shall not be liable for any miscalculation of or any incorrect, delayed or interrupted publication with respect to the Index. Solactive or J.H. Whitney shall not be liable for any damages, including, without limitation, any loss of profits or business, or any special, incidental, punitive, indirect or consequential damages suffered or incurred as a result of the use of (or inability to use) the Index. Economic Index Associates, LLC (“EIA”) outsources the end-of-day and real-time calculation of its IFEDTM indexes that serve as the basis for investment products. Third party index calculators that publish and distribute EIA indexes strive to the best of their ability to ensure the correctness of the calculations. There is no obligation for EIA—irrespective of possible obligations to issuers—to advise third parties, including investors and/or financial intermediaries, of any errors in any of the indexes that are calculated on a real-time basis. The publication and distribution of any IFEDTM indexes that are calculated on a real-time basis and that serve as the basis for products licensed by EIA are not intended as a recommendation for capital investment and does not contain any assurance or opinion of EIA regarding a possible investment in a financial instrument based on an Index. UBS specifically prohibits the redistribution or reproduction of this communication in whole or in part without the prior written permission of UBS and UBS accepts no liability whatsoever for the actions of third parties in this respect. © UBS 2024. The key symbol, UBS and ETRACS are among the registered and unregistered trademarks of UBS. Other marks may be trademarks of their respective owners. All rights reserved. ____________________ 1 Individual investors should instruct their broker/advisor/custodian to call us or should call together with their broker/advisor/custodian. View source version on : CONTACT: Media contact Alison Keunen +1 212 713 2296 Investor contact1 +1-877-387 2275 KEYWORD: NEW YORK UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: BANKING ASSET MANAGEMENT PROFESSIONAL SERVICES FINANCE SOURCE: UBS Copyright Business Wire 2024. PUB: 12/10/2024 04:30 PM/DISC: 12/10/2024 04:32 PMAnd so, as the last strains of the national anthem faded into the distance, the new soldiers marched on, their heads held high, their hearts filled with determination and hope. For the parents and family members who had witnessed this rite of passage, it was a moment they would never forget - a moment of pride, of sacrifice, and of unwavering love for their children as they set off on their new battlefront, ready to face whatever challenges may come their way.

As the NBA season continues to unfold, all eyes will be on the Denver Nuggets and their star players as they navigate the challenges and opportunities that come their way. With Nikola Jokic leading the charge and players like Jamal Murray stepping up to the challenge, the Nuggets are poised to make a strong push towards playoff contention. While 48 hours of scoring brilliance may capture headlines and grab attention, it is ultimately the collective efforts of the team that will determine their success in the long run. Let us celebrate the individual achievements of players like Jokic while also recognizing the importance of team unity and cohesion in achieving greatness on the basketball court.

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