From: Richard Joslin Sent: Friday, Novem er , : To: jeffrey E. Subject: self initiated transfers Early in 2014, Rich D =nd myself put in place a process that accounting would tee up all wires wi=h US Trust which has been adhered to for the most part. Recent=y there have been incidence of bypassing the process. From: Richard D'Agostino Sent: Friday, November 14, 2014 10:05 AM To: Richard Joslin Subject: 1 EFTA_R1_01428024 EFTA02396145