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To: jeevacation©gmail.com[jeevacation©gmail.com]; Jeffrey Epsteinbeevacation©gmail.com] From: Jennie Saunders Sent Sat 1/22/2011 1:49:42 PM Subject: FW: How was your Birthday ? Insight on below ...also have a few other Jeffrey Qs Can you call me today when convenient .... Jennie Saunders Founder & Chairman 66 East 55th Street New York NY 10022 From: Alan J. Kramer [mailto 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 Canaan If you do not wish to receive email communications from New York Life, please reply to this email, using the words "Opt out" in the subject line. Please copy email optout(knewyorklife.com New York Life Insurance Co., 51 Madison Ave., New York, NY 10010 Original Message EFTA_R1_00512081 EFTA02010726 From: "Jennie Saunders" < Date: Tue, 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 I Founder & Chairman I 66 East 55th Street New York NY EFTA_R1_00512082 EFTA02010727