EFTA02480982.pdf

"From: jeffrey E. [email protected] Sent: Monday, November 9, 2015 9:28 PM To: Richard Kahn Subject: Re: Royal Bank of Scotland 7.64% Fixed-to-Floa"

"On Mon, Nov 9, 2015 at 10:25 PM, Richard Kahn wrote: thought this was interesting a= it would yield foreign interest income please advise"

"From: Atla=, Andrew Date: November 9, 2015 at 4:03=19 PM EST To: Richard Kahn Subject: Royal Ba=k of Scotland 7.64% Fixed-to-Float Pfd"

"Andrew S. Atlas Financial Advisor Equity Sales/Middle Markets Group Morgan Stanley Wealth Management"

"Richard Kahn HBRK Associates Inc."

"Here's an attractive Yield to Call opportunity that I wanted to show Southern Trust Company."

"Here's an attractive Yield to Call opportunity that I wanted to show Southern Trust Company. ... [Epstein replies] million"