e & He=lth Planning EFTA_R1_01598109 EFTA02481679 3500 Estate Richmond Christiansted, VI 00820-4370 Tel. javascript:_e(%78%7D,Icvml=#39 From: Cecile de Jongh M.MM <javascript:=e(%7B%7D,ic-vml > Sent: Tuesday, November 3, 2015 10:59 AM To: Deborah Richardson-Peter Subject: Karyna Shuliak Good morning Ms. Ric