From: Richard Joslin
Sent: Friday, November 14, 2014 3:27 PM
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: