Linardopoulou EV, Williams EM, Fan Y, Friedman C, Young JM, Trask BJ.

Nature. 2005 Sep 1;437(7055):94-100 doi:10.1038/nature04029

Human subtelomeres are hot spots of interchromosomal recombination and segmental duplication.

New segments are exchanged between chromosomes via the NHEJ pathway. Segments exchange internal sequences via homologous recombinations. The rate of gene creation is higher in subtelomers (and centromeres...) than in chromosomal cores.