To: jeevacation©gmail.com[jeevacation©gmail.com]; Jeffrey Epsteinbeevacation©gmail.corn] From: Jennie Saunders Sent Sat 2/5/2011 8:22:59 PM Subject: FW: At some point can I ask u about this and one tax issue ....so I know what to do Jennie Saunders Founder & Chairman 1 66 I Main: I Mobile: www.coreaccess.net I From: Alan J. Kramer Sent: Wednesday, January 19, 2011 7:58 PM To: Jennie Saunders Subject: Re: Hi Jennie, The question to ask is, "do we want life insurance for the rest of our lives, or just for a certain duration?" Term insurance, which is what you currently have, doesn't last forever. The insurance we are talking about now, does. I showed you and Dangene this plan when you acquired the life insurance and you both thought it would serve your long term life insurance needs but the timing was wrong. Let me know one way or the other once you decide. Alan Alan J. Kramer CFP, CLTC, MBA, LUTCF Agent New York Life Insurance Company 6 Auer Court, Suite F East Brunswick, NJ 08816 (P) (P) 120 Broadway, 37th Floor New York. NY 10271 (P) If you o not wis r to receive attar communications from New York Life, please reply to this email, using the words "Opt out" in the subject line. Please copy email optouOnetyyorklifeconi New York Life Insurance Co., 51 Madison Ave., New York, NY 10010 Original Message EFTA_R1_00519171 EFTA02016035 From: "Jennie Saunders" <MI Date: Inc, 18 Jan 2011 15:36:32 -0500 To: "Alan J. Kramer" Subject: Can you frame the issue in an email I can send to our friend who gives us financial and strategic advice CORE: Jennie Saunders Founder & Chairman 66 East 55th Street New York NY 10022 I " • Mobile: I I www.coreaccess.net EFTA_R1_00519172 EFTA02016036