INDEX TO MD&A
                                                 Page                                                               Page
  Objective                                      29            Results of Operations - Fourth Quarter               51
  Overview                                       29            Segmented Statement of Earnings                      51
  Critical Accounting Policies                   30            Property and Casualty Insurance                      53
  Liquidity and Capital Resources                31            Holding Company, Other and Unallocated               63
                                                               Real Estate 

Entities Acquired from the

  Ratios                                         31          Annuity 
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References to "we," "us," "our" or the "Company" are to Population Health
Investment Co., Inc., except where the context requires otherwise. The following
discussion should be read in conjunction with our unaudited condensed financial
statements and related notes thereto included elsewhere in this report.
In this Amendment No. 1 
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THIS FILING CONTAINS FORWARD-LOOKING STATEMENTS. THE WORDS “ANTICIPATED,”
“BELIEVE,” “EXPECT,” “PLAN,” “INTEND,” “SEEK,” “ESTIMATE,” “PROJECT,” “WILL,”
“COULD,” “MAY,” AND SIMILAR EXPRESSIONS ARE INTENDED TO IDENTIFY FORWARD-LOOKING
STATEMENTS. THESE STATEMENTS INCLUDE, AMONG OTHERS, INFORMATION REGARDING FUTURE
OPERATIONS, FUTURE CAPITAL EXPENDITURES, AND FUTURE NET CASH FLOW. SUCH
STATEMENTS REFLECT THE COMPANY’S

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Overview

Our business strategy is to operate as a well-capitalized and profitable
financial institution dedicated to providing exceptional personal service to our
customers.
Since being organized in 1938, we grew to become, at the time of our initial
public offering of stock in April 2007, the nation's largest mutually-owned
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The following discussion should be read in conjunction with the accompanying
condensed consolidated financial statements and accompanying notes and the
information contained in other sections of this report. This discussion and
analysis is based on the beliefs of our management, as well as assumptions made
by, and information currently available 
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Management's Discussion and Analysis of Financial Condition and Results of
Operations (MD&A) is intended to provide readers of our condensed consolidated
financial statements with the perspectives of management. This should allow the
readers of this report to obtain a comprehensive understanding of our
businesses, strategies, current trends, and future prospects. 
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