<table><tr><th>From:</th><th>Richard Joslin</th></tr><tr><td>Sent:</td><td>Friday, April 17, 2015 10:48 PM</td></tr><tr><td>To:</td><td>jeffrey E.; Brad Wechsler</td></tr><tr><td>Subject:</td><td>Fwd: NYTimes: Risky Moves in the Game of Life Insurance</td></tr></table>

Athene mentioned

Begin forwarded message:

From: Richard Joslin
Date: April 17, 2015 at 6:41:34 PM EDT
To: Richard Joslin
Subject: NYTimes: Risky Moves in the Game of Life Insurance

http://www.nytimes.com/2015/04/12/business/dealb=ok/insurers-bypass-rules-to-add-hidden-risk.html?smprod=nytcore-iphone&a=p;smid=nytcore-iphone-share <http://www.nytimes.com/2015/04/12/business/dealbook/i=surers-bypass-rules-to-add-hidden-risk.html?smprod=nytcore-iphone&sm=d=nytcore-iphone-share>

Some insurance companies' complex, and mostly hidden, maneuvers=to increase profits for shareholders may end up costing taxpayers and poli=yholders.