National Association of Registered Agents and Brokers Reform Act of 2010

H.R. 2554 - National Association of Registered Agents and Brokers (NARAB) Reform; entire bill H.R. 2555 - Homeowners Defense Act; entire bill H.R. 3059 - Access to Repair Parts Act; entire bill H.R. 5114 - Flood Insurance Reform Priorities Act of 2010; entire bill H.R. 5255 Stable Flood Insurance Authorization Act of 2010; entire bill S. 1368 Access to Repair Parts Act; entire bill

Client expense: $270,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to HR 1583, Insurance Industry Competition Act of 2009; HR 1880, National Insurance Consumer Protection Act; HR 2554, National Association of Registered Agents and Brokers Reform Act of 2009; HR 2571, Nonadmitted and Reinsurance Reform Act of 2009; HR 2609, Insurance Information Act of 2009; HR 3139, National Flood Insurance Program Extension Act of 2010; HR 3139, National Flood Insurance Program Extension Act of 2009; (see also next page) (continued...) HR 4164 A bill to amend the National Flood Insurance Act of 1968 to provide for a phased-in increase of chargeable premium rates for properties affected by updated Flood Insurance Rate Maps. HR 4691Temporary Extensions Act of 2010 HR 4778Natinal Flood Insurance Program Extension Act of 2010 HR 4802Risk Retention Modernization Act of 2010 HR 4851Conitinuing Extention Act of 2010 HR 5114Flood Insurance Reform Priorities Act HR 5569National Flood Insurance Program Extension Act of 2010 HR 5808Amend PPACA to establish a public health insurance option HR 5982Small Business Tax Relief Act of 2010 S 1363Nonadmitted and Reinsurance Reform Act of 2009 S 3153Conitnuing Extension Act of 2010 S 3203A bill to extend the National Flood Insurance Program through May 31, 2010 S 3814National Flood Insurance Reextension act of 2010

Client expense: $270,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

- HR 1721/ S 697, "A bill to amend the Internal Revenue Code of 1986 to allow long-term care insurance to be offered under cafeteria plans and flexible spending arrangements and to provide additional consumer protections for long -term care insurance", a/k/a, "Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - S 434, "A bill to amend title XIX of the Social Security Act to improve the State plan amendment option for providing home and community-based services under the Medicaid program, and for other purposes" a/k/a "Empowered at Home Act", regarding all provisions. - HR 897, "To amend the Internal Revenue Code of 1986 to allow individuals a deduction for qualified long-term care insurance premiums, use of such insurance under cafeteria plans and flexible spending arrangements, and a credit for individuals with long-term care needs" a/k/a "Long-Term Care and Retirement Security Act of 2009", regarding all provisions. - HR 1880, "To establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under Federal law that ensures the stability and financial integrity of those insurers, agencies, and producers and that protects policyholders and other consumers served by such insurers, agencies, or producers", a/k/a "The National Insurance Consumer Protection Act", regarding all provisions. - HR 2609, "To establish an Office of Insurance Information in the Department of the Treasury", a/k/a "Insurance Information Act of 2009", regarding all provisions. -HR 2554, "To reform the National Association of Registered Agents and Brokers, and for other purposes", regarding all provisions. - HR 1721/S 697, "A bill to amend the Public Health Service Act to help individuals with functional impairments and their families pay for services and supports that they need to maximize their functionality and independence and have choices about community participation, education, and employment, and for other purposes", a/k/a "Community Living Assistance Services and Supports Act", regarding all provisions. - S 1177, "A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes", a/k/a "Long-Term Care Insurance Act of 2009", regarding all provisions. - HR 2096, "To amend the Internal Revenue Code of 1986 to allow long-term care insurance to be offered under cafeteria plans and flexible spending arrangements and to provide additional consumer protections for long-term care insurance", a/k/a "The Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - The Administration's Regulatory Reform Proposal, regarding all provisions. - HR 4173, "To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes", a/k/a "Wall Street Reform & Consumer Protection Act of 2009", regarding Title VI and Title I Subtitle G. - HR 3126, "To establish the Consumer Financial Protection Agency, and for other purposes", a/k/a, "Consumer Financial Protection Agency Act of 2009", regarding all provisions. - "Restoring American Financial Stability Act", regarding all provisions.

Client expense: $1,000,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), U.S. Trade Representative (USTR)

Insurance regulation reform issues including optional federal charter, creation of a Federal Insurance Office, McCarran-Ferguson, retained assets accounts, long-term disability issues and underwriting issues. S.1583 - Insurance Industry Competition Act of 2009 - all provisions H.R.1880 - National Insurance Consumer Protection Act - all provisions H.R.2609 Insurance Information Act of 2009 / Federal Insurance Office Act of 2009 all provisions H.R.2554 National Association of Registered Agents and Brokers Reform Act of 2009 - licensing issues H.R.2571 / S.1363 Nonadmitted and Reinsurance Reform Act of 2009 surplus lines issues H.R.3059 / S.1386 - Access to Repair Parts all provisions H.R.2057 Motor Vehicles Owners Right to Repair Act of 2009 all provisions S.1681 / H.R.3596 - Health Insurance Industry Anti-Trust Enforcement Act of 2009 definitions of insurance: liability and health H.R.4626 Health Insurance Industry Fair Competition Act Lines of insurance included and FTC study of insurance H.R.5993 / S.3718 Securing Americas Veterans Insurance Needs and Goals (SAVINGS) Act of 2010 all provisions S.3683 Insurance Competition and Transparency Act of 2010 FTC Oversight Provisions Natural catastrophe issues including proposals regarding government backstops for insurance losses from large-scale natural catastrophes. H.R.1264 - Multiple Peril Insurance Act of 2009 all provisions H.R.83 Homeowners Insurance Protection Act of 2009 all provisions H.R.998 - Policyholder Disaster Protection Act of 2009 all provisions S.866 Catastrophe Obligation Guarantee Act all provisions H.R.2555 / S.505 Homeowners Defense Act all provisions S.1486 / H.R.998 Policyholder Disaster Protection Act of 2009 all provisions S.1487 Commission on Catastrophic Disaster Risk and Insurance Act of 2009 all provisions H.R.2555 Homeowners Defense Act of 2009 all provisions S.3672 Coordination of Wind and Flood Perils Act of 2010 all provisions Flood insurance issues including reauthorization of the National Flood Insurance Program (NFIP) H.R.1105 Omnibus Appropriations Act, 2009 extend the National Flood Insurance Program (NFIP) to September 30, 2009 and privacy provisions H.R.3139 National Flood Insurance Program Extension Act of 2009 Extend the NFIP program H.R.2918 Legislative Branch Appropriations Act 2010 Temporary extension of the NFIP H.R.2996 the Interior Environment Appropriations Act Temporary extension of the NFIP H.R.3326 The Department of Defense Appropriations Act 2010 Temporary extension of the NFIP H.R.4691 Temporary Extension Act of 2010 Temporary extension of the NFIP H.R.2701 Intelligence Authorization Act of 2010 Temporary extension of the NFIP & COBRA Hiring Incentives to Restore Employment Act Draft bill Temporary extension of the NFIP H.R.4851 Continuing Extension Act of 2010 Temporary extension of the NFIP H.R.5114 Flood Insurance Reform Priorities Act of 2010 all provisions H.R.5255 Stable Flood Insurance Authorization Act of 2010 all provisions H.R.4778 National Flood Insurance Program Extension Act of 2010 all provisions S.3347 - a bill to extend the National Flood Insurance Program through December 31, 2010 all provisions H.R.5569 National Flood Insurance Program Extension Act of 2010 all provisions H.R.4213 - American Jobs and Closing Tax Loopholes Act of 2010 - Temporary extension of the NFIP S.3814 National Flood Insurance Program Reextension Act of 2010 - all provisions Workers compensation issues including: H.R.635 National Commission on State Workers Compensation Laws Act of 2009 all provisions H.R.2641 Medicare Secondary Payer and Workers' Compensation Settlement Agreements Act of 2009 all provisions Clarification of Medicare Secondary Payer reporting requirements Health care reform issues, including revenue offsets, expansion of the Medicare Secondary Payer Act, definition of health insurer, CLASS Act and workers compensation. H.R.3200 - Americas Affordable Health Choices Act of 2009 S.1679 - Affordable Health Choices Act including the CLASS Act and the Universal 24-Hour Coverage amendment S. 1796 - Americas Healthy Future Act of 2009 - revenue offsets, expansion of the Medicare Secondary Payer Act, definition of health insurer, CLASS Act and workers compensation) H.R.3590 Patient Protection and Affordable Care Act (House and Senate versions) - revenue offsets, expansion of the Medicare Secondary Payer Act, definition of health insurer, CLASS Act and workers compensation H.R.3962 the Affordable Health Care for America Act - revenue offsets, expansion of the Medicare Secondary Payer Act, definition of health insurer, CLASS Act and workers compensation H.R.4872 Health Care and Education Reconciliation Act of 2010 - revenue offsets

Client expense: $710,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Legislation and rulemakings affecting annuities, variable life products, and retirement savings including Administration and Congressional proposals on financial regulatory reform. S. 1297-"Retirement Security for Life Act", legislation to provide a tax incentive for non-qualified annuities. HR 2748-Retirement Security Needs Lifetime Pay Act, legislation to provide tax incentives for qualified and non-qualified annuities. Proposal with the Securities and Exchange Commission for a rulemaking to provide for the acceptance of a summary prospectus for variable annuities. S. 2832-Lifetime Income Disclosure Act, legislation that proposes to amend the Employment Retirement Income Security Act of 1974 to require disclosure of lifetime income equivalents. HR 2554, commonly known as NARAB II. Legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. Proposals at the Department of Treasury for increasing Americans access to guaranteed lifetime income solutions. Proposals at the Department of Labor for increasing Americans access to guaranteed lifetime income solutions. Proposals with the Security and Exchange Commission for a study and potential rulemaking on the harmonization of the standard of care for investment advisors and broker-dealers. Department of Labor proposed rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act.

Client expense: $118,486 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 83. Homeowners Insurance Protection Act (entire bill) H.R. 308/ S. 1364. Hurricane and Tornado Mitigation Investment Act (entire bills) H.R. 1583. To further competition in the insurance industry (Repeals McCarran-Furguson Act) (entire bills) H.R 327/ S. 1485. National Hurricane Research Initiative Act (entire bill) H.R. 988/ S. 1486. Policyholder Disaster Protection Act (entire bill) H.R. 1239. Property Mitigation Assistance Act (entire bill) H.R. 1264. Multi Peril Insurance Act (entire bill) S. 505. Homeowners Defense Act (entire bill) H.R. 1880. National Insurance Consumer Protection Act (entire bill) H.R. 1754/ S.664. Financial System Stabilization and Reform Act of 2009 (entire bill) S. 886. Catastrophe Obligation Guarantee Act (entire bill) H.R. 2555. Homeowners Defense Act of 2009 (entire bill) H.R. 2554. National Association of Registered Agents and Brokers Reform Act (entire bill) H.R. 2571/ S. 1363. Non-admitted and Reinsurance Reform Act H.R. 2609. Insurance Information Act (entire bill) H.R. 3596/ S. 1681. Health Insurance Industry Antitrust Enforcement Act (entire bill) S.1484. Catastrophe Savings Account Act (entire bill) S. 1487. Commission on Catastrophic Disaster Risk and Insurance Act (entire bill) H.R. 3139. National Flood Insurance Program Extension Act (entire bill) H.R. 3126/ H.R. 3639. Consumer Financial Protection Agency Act S. 1540. Resolution Reform Act of 2009 H.R. 4173. Wall Street Reform and Consumer Protection Act of 2009. (entire bill) H.R. 3817. Investor Protections Act of 2009. (entire bill) H.R. 3818. Private Fund Investment Advisors Registration Act of 2009. (entire bill) H.R. 3996. Financial Stability Improvement Act. (entire bill) S. 3217. Restoring America's Financial Stability Act (entire bill) H.R. 4778. National Flood Insurance Program Extension Act (entire bill) H.R. 4802. Risk Retention Modernization Act (entire bill) H.R. 4626. Health Insurance Industry Fair Competition Act (entire bill) H.R. 5114. Flood Insurance Reform Priorities Act (entire bill) H.R. 5255. Stable Flood Insurance Authorization Act (entire bill) S. 3347. To extend the NFIP though December 31, 2010 (entire bill) S. 3814. National Flood Insurance Program Re-extension Act (entire bill) S. 3685. Insurance Competition and Transparency Act (entire bill) S. 3546. Cheaper Car Insurance Act (entire bill)

Client expense: $310,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT), Treasury, Dept of

H.R. 2221, Data Accountability and Trust Act, all provisions. H.R. 1106, Helping Families Save Their Homes Act of 2009, all provisions. H.R. 2554, National Association of Registered Agents and Brokers Reform Act, all provisions. H.R. 3996, The Financial Stability Improvement Act of 2009, all provisions. S. 2832, Lifetime Income Disclosure Act, all provisions S. 3217 An original bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. H.R. 1106, Helping Families Save Their Homes Act of 2009, all provisions H.R. 3126, Consumer Financial Protection Agency Act of 2009, all provisions H.R. 3817, Investor Protection Act of 2009, all provisions H.R. 3890, Accountability and Transparency in Credit Rating Agencies Act of 2009, all provisions H.R. 3795, Over The Counter Derivatives Market Act, all provisions H.R. 3763, A Bill to Amend the Fair Credit Reporting Act to Provide for an Exclusion from Red Flag Guidelines for Certain Businesses, all provisions H.R. 4173, Financial Regulatory Reform, all provisions/ The Wall Street Reform and Consumer Protection Act of 2009, all provisions H.R. 4868, Housing Preservation and Tenant Protection Act of 2010, all provisions H.R. 5072, The FHA Reform Act of 2010, all provisions H.R. 2861, Shareholder Empowerment Act of 2009, all provisions H.R. 1479, H.R. 2896 Community Reinvestment Modernization Act of 2009, all provisions H.R. 6334, American Community Investment Reform Act of 2010, all provisions [No Bill Number], Securitization Reform, all provisions [No Bill Number], Restoring American Financial Stability Act of 2009 [No Bill Number], Financial Crisis Responsibility Fee [No Bill Number], Residential Mortgage Backed Securities [No Bill Number], Commercial Mortgage Backed Securities [No Bill Number], Government Sponsored Enterprise Reform

Client expense: $2,180,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 2221, Data Accountability and Trust Act, all provisions. H.R. 1106, Helping Families Save Their Homes Act of 2009, all provisions. H.R. 2554, National Association of Registered Agents and Brokers Reform Act, all provisions. H.R. 3996, The Financial Stability Improvement Act of 2009, all provisions. S. 2832, Lifetime Income Disclosure Act, all provisions S. 3217 An original bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. H.R. 1106, Helping Families Save Their Homes Act of 2009, all provisions H.R. 3126, Consumer Financial Protection Agency Act of 2009, all provisions H.R. 3817, Investor Protection Act of 2009, all provisions H.R. 3890, Accountability and Transparency in Credit Rating Agencies Act of 2009, all provisions H.R. 3795, Over The Counter Derivatives Market Act, all provisions H.R. 3763, A Bill to Amend the Fair Credit Reporting Act to Provide for an Exclusion from Red Flag Guidelines for Certain Businesses, all provisions H.R. 4173, Financial Regulatory Reform, all provisions/ The Wall Street Reform and Consumer Protection Act of 2009, all provisions H.R. 4868, Housing Preservation and Tenant Protection Act of 2010, all provisions H.R. 5072, The FHA Reform Act of 2010, all provisions H.R. 2861, Shareholder Empowerment Act of 2009, all provisions H.R. 1479, H.R. 2896 Community Reinvestment Modernization Act of 2009, all provisions H.R. 6334, American Community Investment Reform Act of 2010, all provisions H.R. 5943, Community Recovery Enhancement Act, all provisions H.R. 5823, U.S. Covered Bond Act of 2010 [No Bill Number], Securitization Reform, all provisions [No Bill Number], Restoring American Financial Stability Act of 2009 [No Bill Number], Financial Crisis Responsibility Fee [No Bill Number], Residential Mortgage Backed Securities [No Bill Number], Commercial Mortgage Backed Securities [No Bill Number], Housing Reform

Client expense: $2,000,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 2221, Data Accountability and Trust Act, all provisions. H.R. 1106, Helping Families Save Their Homes Act of 2009, all provisions. H.R. 2554, National Association of Registered Agents and Brokers Reform Act, all provisions. H.R. 3996, The Financial Stability Improvement Act of 2009, all provisions. S. 2832, Lifetime Income Disclosure Act, all provisions S. 3217 An original bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. H.R. 1106, Helping Families Save Their Homes Act of 2009, all provisions H.R. 3126, Consumer Financial Protection Agency Act of 2009, all provisions H.R. 3817, Investor Protection Act of 2009, all provisions H.R. 3890, Accountability and Transparency in Credit Rating Agencies Act of 2009, all provisions H.R. 3795, Over The Counter Derivatives Market Act, all provisions H.R. 3763, A Bill to Amend the Fair Credit Reporting Act to Provide for an Exclusion from Red Flag Guidelines for Certain Businesses, all provisions H.R. 4173, Financial Regulatory Reform, all provisions/ The Wall Street Reform and Consumer Protection Act of 2009, all provisions H.R. 4868, Housing Preservation and Tenant Protection Act of 2010, all provisions H.R. 5072, The FHA Reform Act of 2010, all provisions H.R. 2861, Shareholder Empowerment Act of 2009, all provisions H.R. 1479, H.R. 2896 Community Reinvestment Modernization Act of 2009, all provisions H.R. 6334, American Community Investment Reform Act of 2010, all provisions H.R. 5943, Community Recovery Enhancement Act, all provisions H.R. 5823, U.S. Covered Bond Act of 2010 [No Bill Number], Securitization Reform, all provisions [No Bill Number], Restoring American Financial Stability Act of 2009 [No Bill Number], Financial Crisis Responsibility Fee [No Bill Number], Residential Mortgage Backed Securities [No Bill Number], Commercial Mortgage Backed Securities [No Bill Number], Housing Reform

Client expense: $2,000,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

Issues related to adjuster uniform and reciprocal licensing legislation and H.R. 2554.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1020 - Arbitration Fairness Act of 2009 S. 931 - Arbitration Fairness Act of 2009 Asbestos Related Legislation Bankruptcy Transparency Issues S. 3305 - Big Oil Bailout Prevention Liability Act of 2010 Climate Change/Global Warming Coastal Wind Zone Proposal H.R. 3644 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 Credit Scoring and the Use of Credit as Underwriting Tool Emergency Economic Stabilization Act of 2008 and TARP Related Issues H.R. 1409 - Employee Free Choice Act of 2009 S. 560 - Employee Free Choice Act of 2009 H.R. 1788 - False Claims Act Correction Act of 2009 Federal Resolution Authority Financial Services Systemic Risk Proposals Obama Administrations White Paper on Financial Services Modernization H.R. 5114 - Flood Insurance Reform Priorities Act of 2010 Health Care and Education Reconciliation Act of 2010 (Pub.L. 111-152) H.R. 4872 - Health Care and Education Reconciliation Act of 2010 H.R. 4626 - Health Insurance Industry Fair Competition Act S. 1681 - Health Insurance Industry Antitrust Enforcement Act of 2009 H.R. 2555 - Homeowners Defense Act of 2009 S. 505 - Homeowners Defense Act of 2009 H.R. 83 - Homeowners Insurance Protection Act of 2009 H.R. 2609 - Insurance Information Act of 2009 Legal Reform Low Income Tax Recapture Bonds H.R. 3424 - To amend the Internal Revenue Code of 1986 to disallow the deduction for excess non-taxed reinsurance premiums with respect to United States risks paid to affiliates. McCarran-Ferguson Reform and Modernization Medicare Secondary Payer and Workers' Compensation Settlement Agreements H.R. 635 - National Commission on State Workers Compensation Laws Act of 2009 H.R. 1264 - Multiple Peril Insurance Act of 2009 H.R. 2554 - National Association of Registered Agents and Brokers Reform Act of 2010 H.R. 1880 - National Insurance Consumer Protection Act H.R. 2571 - Non-admitted and Reinsurance Reform Act of 2009 S. 1363 - Non-admitted and Reinsurance Reform Act of 2009 H.R. 1260 - Patent Reform Act of 2009 S. 515 - Patent Reform Act of 2009 S. 610 - Patent Reform Act of 2009 H.R. 3590 - Patient Protection and Affordable Care Act S. 2478 - Remuneration for Ecological and Societal Tolls Occasioned by Reckless Errors Act H.R. 4173 - Restoring American Financial Stability Act of 2010 S. 1071 - Shareholders Bill of Rights Sunshine in Litigation Act of 2009 H.R. 2761 - Terrorism Risk Insurance Program Reauthorization Act of 2007, Continue to Monitor Legislation Passed December, 2007. H.R. 5297 - The Small Business Lending Fund Act of 2010 (Surety Bond Issues) H.R. 847 - James Zadroga 9/11 Health and Compensation Act of 2010

Client expense: $1,570,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Insurance Regulatory Reform HR 1880 - "The National Insurance Consumer Protection Act" - Creates a federal insurance regulator HR 4173 - "Dodd Frank Wall Street Reform & Consumer Protection Act" - overhauls regulation of federal markets S.3994 - "Flood Insurance Affordability and Risk Notification Act" delays mandatory purchase of flood insurance for new flood zone HR 1479 - "Community Reinvestment Modernization Act of 2009" - Modifies and expands CRA to include non-bank institutions such as insurers HR 6334 - To amend the "Community Reinvestment Act of 1977 to improve the assessments of regulated financial institutions, and for other purposes" - Modifies and expands CRA to include non-bank institutions such as insurers HR 83 - "Homeowners Insurance Protection Act" - Creates a national catastrophic insurance fund to sell low-cost reinsurance contracts to state catastrophe funds, as well as set up a natural catastrophe commission HR 998 - "Policyholder Disaster Protection Act of 2009" - Amends the IRS Code of 1986 to provide for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders' claims arising from future catastrophic events HR 1264 - "Multiple Peril Insurance Act of 2009" - Expands National Flood Insurance Program to include wind coverage HR 3059/S1368 - "Access to Repair Parts Act of 2009" - Amends patent law to allow for the use of after-market replacement auto crash parts HR 2554 - "National Association of Registered Agents and Brokers Reform Act of 2009" - Creates national standards for insurance agents and brokers HR 2592 - "Safe Building Code Incentive Act of 2009" - Provides for incentives to states for passing and enforcing strict building codes S 886 - "Catastrophe Obligation Guarantee Act" - Establishes bond guarantees for states involved in earthquakes and hurricanes HR 4173 - "The Wall Street Reform and Consumer Protection Act" - Financial Regulatory Reform S 3217 - "Restoring American Financial Stability Act" - Financial Regulatory Reform HR 4375/S 2886 - "The Banking Integrity Act of 2009" - Repeals Glass-Steagall Act HR 5569/S 3347 - "National Flood Insurance Program Extension Act" - Re-authorizes federal flood insurance through September 30, 2010 HR 5114 - "Flood Insurance Reform Priorities Act" - Long-term extension and reforms of federal flood insurance HR 2555 - "Homeowners Defense Act of 2009" - Establishes a national catastrophe risk consortium

Client expense: $860,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office

Insurance Industry Competition Act of 2009 - H.R. 1583, all provisions Financial System Stabilization and Reform Act of 2009 - H.R. 1754/S. 664, all provisions National Insurance Consumer Protection Act - H.R. 1880, all provisions Community Reinvestment Modernization Act of 2009 - H.R. 1479, all provisions Nonadmitted and Reinsurance Reform Act of 2009 - H.R. 2571/S. 1363, all provisions National Association of Registered Agents and Brokers Reform Act of 2009 - H.R. 2554, all provisions Insurance Information Act of 2009 - H.R. 2609, all provisions Health Insurance Industry Antitrust Enforcement Act - H.R. 3596/ S. 1681, all provisions Americas Health Future Act Legislation to reform the healthcare system - H.R. 3962/ H.R. 3590, all provisions Drywall Victims Insurance Protection Act of 2009 - H.R. 4094, all provisions Medicare Secondary Payer Enhancement Act of 2010 - H.R. 4796, all provisions Health Insurance Industry Fair Competition Act - H.R. 4626, all provisions

Client expense: $204,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial Services Regulatory Reform: Lobby for favorable implementation of H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection Act regarding insurers, including a resolution fund for failing firms, and the treatment of insurers under the "Volcker rule" ban on proprietary trading and investment in hedge and private equity funds. Also, followed inclusion of section to create a Federal Insurance Office at Treasury. Along with trade associations, commented on advanced notice of Proposed Rulemaking by the Financial Stability Oversight Council for systemic risk regulation of nonbank firms. Also, lobby for robust and effective Federal Insurance Office. Also, with key trade associations, worked on regulatory strategy for the implementation of Dodd-Frank. Annuities/Suitability: Followed implementation of amendments to H.R. 4173 that helps confirm that fixed index annuities are insurance products to be regulated by states. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. Insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims in contravention of international agreements. Credit-based insurance scores: Monitored and lobbied possible reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009/ Also through consultants, lobbied for passage of "home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for "Building Star" legislation, which would provide similar incentives for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically H.R. 2589, the Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, H.R. 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the financial Industry Regulatory Authority (FINRA). Agents and Brokers: support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Client expense: $420,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Risk Management Agency, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 1583 Insurance Industry Competition Act of 2009 (all provisions) H.R. 83 Homeowners Insurance Protection Act of 2009 (all provisions) H.R. 1525 Flood Insurance Technical Amendments (all provisions) Flood Insurance Reform and Modernization (generally) H.R. 1264 Multiple Peril Insurance Act of 2009 (all provisions) H.R. 1880 National Insurance Consumer Protection Act of 2009 (all provisions) Insurance Regulatory Reform (generally) H.R. 2554 NARAB Reform Act of 2009 (all provisions) S. 505 Commission on Catastrophic Disaster Risk and Insurance Act of 2009 (all provisions) Municipal Bond Regulation (generally) H.R. 2609 Insurance Information Act of 2009 (all provisions) Office of Insurance Information (generally) Systemic Risk Regulator/Overseer (generally) Financial Services Regulatory Restructuring (generally) Troubled Assets Relief Program (generally) H.R. 1105 FY 2009 Omnibus (flood insurance provisions) H.R. 1239 Property Mitigation Assistance Act of 2009 (all provisions) H.R. 635 National Commission on State Worker's Compensation Laws Act of 2009 (all provisions) Federal Resolution Authority (generally) Use of Credit Scores in Insurance Underwriting (generally) H.R. 2555 Homeowners Defense Act (all provisions) H.R. 2733 Fixed Indexed Annuities and Insurance Products Classification Act of 2009 (all provisions) H.R. 2571; S. 1363 Nonadmitted and Reinsurance Reform Act (all provisions) H.R. 2918 Legislative Branch Appropriations of 2009 (Continuing Resolution) IMF Financial Sector Assesment Program (generally) H.R. 3326- Defense Appropriations Bill of 2009 (flood insurance provisions) H.R. 3139 Flood Insurance Reform & Modernization Act (all provisions) H.R. 4778 National FLood Insurance Program Extension Act of 2010 (all provisions) H.R. 4851 Continuing Extension Act of 2010 (flood insurance provisions) H.R. 5114 Flood Insurance Reform Priorities Act of 2010 (all provisions) H.R. 5553 National Flood Insurance Program Extension Act of 2010 (all provisions) H.R. 5569 National Flood Insurance Program Extension Act of 2010 (all provisions) S. 3814 National Flood Insurance Program Reextension Act of 2010 (all provisions) S. 3672 Coordination of Wind and Flood Perils Act of 2010 (all provisions) H.R. 5993 Securing America's Veterans Insurance Needs & Goals Act (all provisions) S. 3685 Insurance Competition And Transparency Act (all provisions) Broker-Dealer Fiduciary Standard (generally) S. 3994 Flood Insurance Affordability & Risk Notification Act (all provisions)

Client expense: $290,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Issues related to supporting the National Association of Registered Agents and Brokers Reform Act, particularly HR 2554. Issues related to insurance generally and health insurance specifically with emphasis on retaining a private sector role for insurance brokers in health care reform and employee benefits, including the implementation of the recently enacted health care reform legislation. Issues related to the implementation of a Federal Insurance Office (formerly called Office of Insurance Information), the modernization of the regulation of surplus lines insurance. Both pieces of legislation were included in H.R. 4173, Wall Street Reform and Consumer Protection Act. Also monitored implementation of other insurance related provisions included in the overall reform proposal and any possible efforts to change or alter recently enacted provisions, particularly as they related to insurance.. Monitor legislation related to extending and reforming the National Flood Insurance Program, particularly H.R. 5114, H.R.4213 and S. 3814, as well as Multi-peril Insurance included in H.R. 1264.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

HR 2554 National Association of Registered Agent and Brokers Reform Act; Issue: reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. We support this bill. S 3685 Insurance Competition and Transparency Act of 2010; Issue: Oppose greater FTC involvement in insurance regulation. HR 6529 Federal License for Reinsurers Act of 2010; Issue: should reinsurance be regulated by the federal government? S 3546 Cheaper Car Insurance Act of 2010; Issue: federal efforts to crack down on insurance fraud

Client expense: $50,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

SEE ADDENDUM PAGE SPECIFIC LEGISLATION: HR 83-ALL PROVISIONS RELATING TO NATURAL DISASTER INSURANCE HR 998-ALL PROVISIONS RELATING TO CATASTROPHE RESERVES HR 1264-ALL PROVISIONS RELATING TO ADDING WIND TO THE NFIP HR 1583-ALL PROVISIONS RELATING TO MCCARRAN-FERGUSON ACT HR 1754-ALL PROVISIONS RELATING TO SYSTEMIC RISK OF INSURANCE INDUSTRY HR 1880-ALL PROVISIONS RELATING TO FEDERAL INSURANCE REGULATION HR 2554-ALL PROVISIONS RELATING TO INSURANCE AGENT LICENSING HR 2555-ALL PROVISIONS RELATING TO NATURAL DISASTER INSURANCE HR 2571-ALL PROVISIONS RELATING TO SURPLUS LINES INSURANCE HR 2609-ALL PROVISIONS RELATING TO OFFICE OF INSURANCE INFORMATION HR 3126-ALL PROVISIONS RELATING TO CONSUMER FINANCIAL PROTECTION AGENCY HR 3200-ALL PROVISIONS RELATING TO HEALTHCARE REFORM HR 3269-ALL PROVISIONS RELATING TO EXECUTIVE COMPENSATION HR 3424-ALL PROVISIONS RELATING TO OFFSHORE AFFILIATED REINSURANCE TAXES HR 3962-ALL PROVISIONS RELATING TO MCCARRAN-FERGUSON ACT & FTC JURISDICTION HR 4173-ALL PROVISIONS RELATING TO REGULATION OF INSURANCE HR 4790-ALL PROVISIONS RELATING TO SHAREHOLDER VOTES ON CORP. POLITICAL ACTIVITY S 505-ALL PROVISIONS RELATING TO NATURAL DISASTER INSURANCE S 664-ALL ISSUES RELATED TO SYSTEMIC RISK & INSURANCE REGULATION S 886- ALL PROVISIONS RELATING TO STATE CATASTROPHE INSURANCE PROGRAMS S 1363-ALL PROVISIONS RELATING TO SURPLUS LINES INSURANCE ISSUES WITHOUT SPECIFIC LEGISLATION: ADMINISTRATIONS EXECUTIVE COMPENSATION LEGISLATIVE PROPOSAL ADMINISTRATIONS SYSTEMIC RISK LEGISLATIVE PROPOSAL ADMINISTRATION'S FINANCIAL REGULATORY REFORM PROPOSAL FEDERAL REINSURANCE REGULATORY MODERNIZATION PROPOSALS FEDERAL RESERVES SYSTEMIC RISK LEGISLATIVE PROPOSAL FINANCIAL REGULATION ISSUES FOREIGN REINSURANCE TAXATION PROPOSALS NATIONWIDE INSURANCE CO.S ENHANCED HOMEOWNER INSURANCE POLICY PROPOSAL NATURAL DISASTER INSURANCE ISSUES NON-BANK FINANCIAL SERVICES SEIZURE AUTHORITY ISSUES REINSURANCE COLLATERAL ISSUES STATE INSURANCE REGULATION ISSUES SYSTEMIC RISK REGULATION ISSUES TREASURYS OFFICE OF NATIONAL INSURANCE LEGISLATIVE PROPOSAL

Client expense: $10,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Insurance regulation reform issues including optional federal charter, creation of a Federal Insurance Office, McCarran-Ferguson, retained assets accounts, long-term disability issues and underwriting issues. S.1583 - Insurance Industry Competition Act of 2009 - all provisions H.R.1880 - National Insurance Consumer Protection Act - all provisions H.R.2609 Insurance Information Act of 2009 / Federal Insurance Office Act of 2009 all provisions H.R.2554 National Association of Registered Agents and Brokers Reform Act of 2009 - licensing issues H.R.2571 / S.1363 Nonadmitted and Reinsurance Reform Act of 2009 surplus lines issues H.R.3059 / S.1386 - Access to Repair Parts all provisions H.R.2057 Motor Vehicles Owners Right to Repair Act of 2009 all provisions S.1681 / H.R.3596 - Health Insurance Industry Anti-Trust Enforcement Act of 2009 definitions of insurance: liability and health H.R.4626 Health Insurance Industry Fair Competition Act Lines of insurance included and FTC study of insurance H.R.5993 / S.3718 Securing Americas Veterans Insurance Needs and Goals (SAVINGS) Act of 2010 all provisions S.3683 Insurance Competition and Transparency Act of 2010 FTC Oversight Provisions Natural catastrophe issues including proposals regarding government backstops for insurance losses from large-scale natural catastrophes. H.R.1264 - Multiple Peril Insurance Act of 2009 all provisions H.R.83 Homeowners Insurance Protection Act of 2009 all provisions H.R.998 - Policyholder Disaster Protection Act of 2009 all provisions S.866 Catastrophe Obligation Guarantee Act all provisions H.R.2555 / S.505 Homeowners Defense Act all provisions S.1486 / H.R.998 Policyholder Disaster Protection Act of 2009 all provisions S.1487 Commission on Catastrophic Disaster Risk and Insurance Act of 2009 all provisions H.R.2555 Homeowners Defense Act of 2009 all provisions S.3672 Coordination of Wind and Flood Perils Act of 2010 all provisions Flood insurance issues Reauthorization of the National Flood Insurance Program (NFIP) H.R.1105 Omnibus Appropriations Act, 2009 extend the National Flood Insurance Program (NFIP) to September 30, 2009 and privacy provisions H.R.3139 National Flood Insurance Program Extension Act of 2009 Extend the NFIP program H.R.2918 Legislative Branch Appropriations Act 2010 Temporary extension of the NFIP H.R.2996 the Interior Environment Appropriations Act Temporary extension of the NFIP H.R.3326 The Department of Defense Appropriations Act 2010 Temporary extension of the NFIP H.R.4691 Temporary Extension Act of 2010 Temporary extension of the NFIP H.R.2701 Intelligence Authorization Act of 2010 Temporary extension of the NFIP & COBRA Hiring Incentives to Restore Employment Act Draft bill Temporary extension of the NFIP H.R.4851 Continuing Extension Act of 2010 Temporary extension of the NFIP H.R.5114 Flood Insurance Reform Priorities Act of 2010 all provisions H.R.5255 Stable Flood Insurance Authorization Act of 2010 all provisions H.R.4778 National Flood Insurance Program Extension Act of 2010 all provisions S.3347 - a bill to extend the National Flood Insurance Program through December 31, 2010 all provisions H.R.5569 National Flood Insurance Program Extension Act of 2010 all provisions H.R.4213 - American Jobs and Closing Tax Loopholes Act of 2010 - Temporary extension of the NFIP S.3814 National Flood Insurance Program Reextension Act of 2010 - all provisions Workers Compensation issues including: H.R.635 National Commission on State Workers Compensation Laws Act of 2009 all provisions H.R.2641 Medicare Secondary Payer and Workers' Compensation Settlement Agreements Act of 2009 all provisions Health care reform issues, including revenue offsets, expansion of the Medicare Secondary Payer Act, definition of health insurer, CLASS Act and workers compensation. H.R.3200 - Americas Affordable Health Choices Act of 2009 S.1679 - Affordable Health Choices Act including the CLASS Act and the Universal 24-Hour Coverage amendment S. 1796 - Americas Healthy Future Act of 2009 - revenue offsets, expansion of the Medicare Secondary Payer Act, definition of health insurer, CLASS Act and workers compensation H.R.3590 Patient Protection and Affordable Care Act (House and Senate versions) - revenue offsets, expansion of the Medicare Secondary Payer Act, definition of health insurer, CLASS Act and workers compensation H.R.3962 the Affordable Health Care for America Act - revenue offsets, expansion of the Medicare Secondary Payer Act, definition of health insurer, CLASS Act and workers compensation H.R.4872 Health Care and Education Reconciliation Act of 2010 - revenue offsets

Client expense: $440,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 2554 - National Association of Registered Agents and Brokers (NARAB) Reform; entire bill H.R. 2555 - Homeowners Defense Act; entire bill H.R. 3059 - Access to Repair Parts Act; entire bill H.R. 4778 - National Flood Insurance Program Extension Act of 2010; entire bill H.R. 5114 - Flood Insurance Reform Priorities Act of 2010; entire bill H.R. 5255 Stable Flood Insurance Authorization Act of 2010; entire bill S. 1368 Access to Repair Parts Act; entire bill S. 3153 - Continuing Extension Act of 2010; provisions related to extension of NFIP S. 3814 - National Flood Insurance Program Reextension Act of 2010; entire bill

Client expense: $580,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2221, Data Accountability and Trust Act, all provisions. H.R. 1106, Helping Families Save Their Homes Act of 2009, all provisions. H.R. 2554, National Association of Registered Agents and Brokers Reform Act, all provisions. H.R. 3996, The Financial Stability Improvement Act of 2009, all provisions. S. 2832, Lifetime Income Disclosure Act, all provisions S. 3217 An original bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. H.R. 1106, Helping Families Save Their Homes Act of 2009, all provisions H.R. 3126, Consumer Financial Protection Agency Act of 2009, all provisions H.R. 3817, Investor Protection Act of 2009, all provisions H.R. 3890, Accountability and Transparency in Credit Rating Agencies Act of 2009, all provisions H.R. 3795, Over The Counter Derivatives Market Act, all provisions H.R. 3763, A Bill to Amend the Fair Credit Reporting Act to Provide for an Exclusion from Red Flag Guidelines for Certain Businesses, all provisions H.R. 4173, Financial Regulatory Reform, all provisions/ The Wall Street Reform and Consumer Protection Act of 2009, all provisions H.R. 4868, Housing Preservation and Tenant Protection Act of 2010, all provisions H.R. 5072, The FHA Reform Act of 2010, all provisions H.R. 2861, Shareholder Empowerment Act of 2009, all provisions H.R. 1479, H.R. 2896 Community Reinvestment Modernization Act of 2009, all provisions H.R. 6334, American Community Investment Reform Act of 2010, all provisions [No Bill Number], Securitization Reform, all provisions [No Bill Number], Restoring American Financial Stability Act of 2009 [No Bill Number], Financial Crisis Responsibility Fee [No Bill Number], Residential Mortgage Backed Securities [No Bill Number], Commercial Mortgage Backed Securities [No Bill Number], Government Sponsored Enterprise Reform

Client expense: $2,460,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 74 - Financial Oversight Commission S. 505 - Homeowner's Defense Act of 2009 H.R. 1880 - National Insurance Consumer Protection Act H.R. 83 - Homeowner's Insurance Protection Act of 2009 H.R. 3962 - Affordable Health Care for Americans Act of 2009 H.R. 3200 - America's Affordable Health Choices Act of 2009 H.R. 1583 - Insurance Industry Competition Act of 2009 - to further competition in the insurance industry (repeals McCarran Ferguson) H.R. 1754 - To create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. H.R. 1880 - National Insurance Consumer Protection Act - to establish a system of regulation and supervision for insuers, insurance agencies and insurance producers. H.R. 2554 - National Associatoin of Registered Agents and Brokers Reform Act of 2009 (NARAB II) H.R. 2571 / S. 1363 - Nonadmitted and Reinsurance Reform Act of 2009 H.R. 2609 - Insurance Information Act of 2009 - to establish an Office of Insurance Information in the Department of the Treasury S. 886 - Catastrophe Obligation Guarantee Act H.R. 1264 - Multiple Peril Insurance Act of 2009 H.R. 2592 - To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act, to enhance existing programs providing mitigation assistance by encouraging states to adopt and actively enforce State building codes. H.R. 2555 - Homeowner's Defense Act of 2009 H.R. 706 - To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act, to direct the Administrator of FEMA to continue to administer the National Urban Search and Rescue Response System H.R. 998 - To amend the Internal Revenue Code of 1986 to provide for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyhlders' claism arising from future catastrophic events. H.R. 1239 - To establish a homeowner mitigation loan program with the Federal Emergency Management Agency to promote pre-disaster property mitigation measures. H.R. 1746 - To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to reauthorize the pre-disaster mitigation program of the Federal Emergency Management Agency. H.R. 3596 / S. 1681 - Health Insurance Antitrust Enforcement Act of 2009 H.R. 3126 - Consumer Financial Protection Act H.R. 5114 - Flood Insurance Reform and Priorities Act of 2010 H.R. 5569 - National Flood Insurance Program H.R. 3590 - The Patient Protection and Affordable Health Care Act H.R. 4173 / S. 3217 - Dodd/Frank Act H.R. 5255 / S. 3347 - National Flood Insurance Program

Client expense: $697,169 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

See Attached HR 1583, Insurance Industry Competition Act of 2009 HR 1880, National Insurance Consumer Protection Act HR 2554, National Association of Registered Agents and Brokers Reform Act of 2009 HR 2571, Nonadmitted and Reinsurance Reform Act of 2009 HR 2609, Insurance Information Act of 2009 HR 3139, Natinal Flood Insurance Program Extension Act of 2010 HR 3139, National Flood Insurance Program Extension Act of 2009 HR 4164, A bill to amend the National Flood Insurance Act of 1968 to provide for a phased-in increase of chargeable premium rates for properties affected by updated Flood Insurance Rate Maps. HR 4213, American Workers, State and Business Relief Act of 2010 HR 4691, Temporary Extensions Act of 2010 HR 4778, Natinal Flood Insurance Program Extension Act of 2010 HR 4802, Risk Retention Modernization Act of 2010 HR 4851, Conitinuing Extention Act of 2010 HR 5114, Flood Insurance Reform Priorities Act HR 5297, Small Business Jobs Act of 2010 HR 5553, National Flood Insurance Program Extension Act of 2010 HR 5559, Flood Insurance Fairness Act of 2010 HR 5569, National Flood Insurance Program Extension Act of 2010 HR 5808, Amend PPACA to establish a public health insurance option HR 5982, Small Business Tax Relief Act of 2010 S 1363, Nonadmitted and Reinsurance Reform Act of 2009 S 3153, Conitnuing Extension Act of 2010 S 3203, A bill to extend the National Flood Insurance Program through May 31, 2010 S 3814, National Flood Insurance Reextension act of 2010

Client expense: $270,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1583, HR 1880, HR 2554, HR 2571, HR 2609, HR 3139, HR 3415, HR 4164, HR 4213, HR 4596, HR 4691, HR 4778, HR 4796, HR 4802, HR 4851, HR 5255, HR 5553, HR 5559, HR 5569, HR 6207, HR 6254, S 1363, S 3051, S 3109, S 3153, S 3203, S 3546, S 3672, HR 3685, S 3814

Client expense: $1,170,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

- HR 1721/ S 697, "A bill to amend the Internal Revenue Code of 1986 to allow long-term care insurance to be offered under cafeteria plans and flexible spending arrangements and to provide additional consumer protections for long -term care insurance", a/k/a, "Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - S 434, "A bill to amend title XIX of the Social Security Act to improve the State plan amendment option for providing home and community-based services under the Medicaid program, and for other purposes" a/k/a "Empowered at Home Act", regarding all provisions. - HR 897, "To amend the Internal Revenue Code of 1986 to allow individuals a deduction for qualified long-term care insurance premiums, use of such insurance under cafeteria plans and flexible spending arrangements, and a credit for individuals with long-term care needs" a/k/a "Long-Term Care and Retirement Security Act of 2009", regarding all provisions. - HR 1880, "To establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under Federal law that ensures the stability and financial integrity of those insurers, agencies, and producers and that protects policyholders and other consumers served by such insurers, agencies, or producers", a/k/a "The National Insurance Consumer Protection Act", regarding all provisions. - HR 2609, "To establish an Office of Insurance Information in the Department of the Treasury", a/k/a "Insurance Information Act of 2009", regarding all provisions. -HR 2554, "To reform the National Association of Registered Agents and Brokers, and for other purposes", regarding all provisions. - HR 1721/S 697, "A bill to amend the Public Health Service Act to help individuals with functional impairments and their families pay for services and supports that they need to maximize their functionality and independence and have choices about community participation, education, and employment, and for other purposes", a/k/a "Community Living Assistance Services and Supports Act", regarding all provisions. - S 1177, "A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes", a/k/a "Long-Term Care Insurance Act of 2009", regarding all provisions. - HR 2096, "To amend the Internal Revenue Code of 1986 to allow long-term care insurance to be offered under cafeteria plans and flexible spending arrangements and to provide additional consumer protections for long-term care insurance", a/k/a "The Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - The Administration's Regulatory Reform Proposal, regarding all provisions. - HR 4173, "To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes", a/k/a "Wall Street Reform & Consumer Protection Act of 2009", regarding Title VI and Title I Subtitle G. - HR 3126, "To establish the Consumer Financial Protection Agency, and for other purposes", a/k/a, "Consumer Financial Protection Agency Act of 2009", regarding all provisions. - "Restoring American Financial Stability Act", regarding all provisions.

Client expense: $1,150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), U.S. Trade Representative (USTR)

H.R. 1880: The National Insurance Consumer Protection Act. Issues related to supporting an Optional Federal Charter for Insurers. H.R. 5629/S. 3305: Monitoring issues related to oil spill liability. H.R. 4213 /S3814: Monitoring issues related to the extension of Nat'l Flood Ins. Prog. as well as Multi-peril ins incl in H.R. 1264. H.R. 5114 " " " " reform of the NFIP HR2554 Issues related to supporting the National Association of Registered Agents and Brokers Reform Act HR4173 The Wall Street Reform & Consumer Protection Act Restoring American Financial Stability Act of 2010 now includes: HR2609 Issues supporting legislation creating a Federal Insurance Office (formerly called Office of Insurance Information); HR2571 to modernize the regulation of surplus lines insurance. Legislative proposals on these issues introduced in the Senate were also merged into H.R. 4173. Monitored other insurance related provisions included in the overall reform proposal. Issues related to health insurance reform specifically retaining a private sector role for insurance brokers in health care reform and employee benefits, including the implementation of the recently enacted health care reform legislation.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Insurance Regulatory Reform HR 1880 - "The National Insurance Consumer Protection Act" - Creates a federal insurance regulator HR 4173 - "Dodd Frank Wall Street Reform & Consumer Protection Act" - overhauls regulation of federal markets HR 1479 - "Community Reinvestment Modernization Act of 2009" - Modifies and expands CRA to include non-bank institutions such as insurers HR 6334 - To amend the "Community Reinvestment Act of 1977 to improve the assessments of regulated financial institutions, and for other purposes" - Modifies and expands CRA to include non-bank institutions such as insurers HR 83 - "Homeowners Insurance Protection Act" - Creates a national catastrophic insurance fund to sell low-cost reinsurance contracts to state catastrophe funds, as well as set up a natural catastrophe commission HR 998 - "Policyholder Disaster Protection Act of 2009" - Amends the IRS Code of 1986 to provide for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders' claims arising from future catastrophic events HR 1264 - "Multiple Peril Insurance Act of 2009" - Expands National Flood Insurance Program to include wind coverage HR 3059/S1368 - "Access to Repair Parts Act of 2009" - Amends patent law to allow for the use of after-market replacement auto crash parts HR 2554 - "National Association of Registered Agents and Brokers Reform Act of 2009" - Creates national standards for insurance agents and brokers HR 2592 - "Safe Building Code Incentive Act of 2009" - Provides for incentives to states for passing and enforcing strict building codes S 886 - "Catastrophe Obligation Guarantee Act" - Establishes bond guarantees for states involved in earthquakes and hurricanes HR 4173 - "The Wall Street Reform and Consumer Protection Act" - Financial Regulatory Reform S 3217 - "Restoring American Financial Stability Act" - Financial Regulatory Reform HR 4375/S 2886 - "The Banking Integrity Act of 2009" - Repeals Glass-Steagall Act HR 5569/S 3347 - "National Flood Insurance Program Extension Act" - Re-authorizes federal flood insurance through September 30, 2010 HR 5114 - "Flood Insurance Reform Priorities Act" - Long-term extension and reforms of federal flood insurance HR 2555 - "Homeowners Defense Act of 2009" - Establishes a national catastrophe risk consortium

Client expense: $760,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office

H.R. 1583 Insurance Industry Competition Act of 2009 (all provisions) H.R. 83 Homeowners Insurance Protection Act of 2009 (all provisions) H.R. 1525 Flood Insurance Technical Amendments (all provisions) Flood Insurance Reform and Modernization (generally) H.R. 1264 Multiple Peril Insurance Act of 2009 (all provisions) H.R. 1880 National Insurance Consumer Protection Act of 2009 (all provisions) Insurance Regulatory Reform (generally) H.R. 2554 NARAB Reform Act of 2009 (all provisions) S. 505 Commission on Catastrophic Disaster Risk and Insurance Act of 2009 (all provisions) Municipal Bond Regulation (generally) H.R. 2609 Insurance Information Act of 2009 (all provisions) Office of Insurance Information (generally) Systemic Risk Regulator/Overseer (generally) Financial Services Regulatory Restructuring (generally) Troubled Assets Relief Program (generally) H.R. 1105 FY 2009 Omnibus (flood insurance provisions) H.R. 1239 Property Mitigation Assistance Act of 2009 (all provisions) H.R. 635 National Commission on State Worker's Compensation Laws Act of 2009 (all provisions) Federal Resolution Authority (generally) Use of Credit Scores in Insurance Underwriting (generally) H.R. 2555 Homeowners Defense Act (all provisions) H.R. 2733 Fixed Indexed Annuities and Insurance Products Classification Act of 2009 (all provisions) H.R. 2571; S. 1363 Nonadmitted and Reinsurance Reform Act (all provisions) H.R. 2918 Legislative Branch Appropriations of 2009 (Continuing Resolution) IMF Financial Sector Assesment Program (generally) H.R. 3326- Defense Appropriations Bill of 2009 (flood insurance provisions) H.R. 3139 Flood Insurance Reform & Modernization Act (all provisions) H.R. 4778 National FLood Insurance Program Extension Act of 2010 (all provisions) H.R. 4851 Continuing Extension Act of 2010 (flood insurance provisions) H.R. 5114 Flood Insurance Reform Priorities Act of 2010 (all provisions) H.R. 5553 National Flood Insurance Program Extension Act of 2010 (all provisions) H.R. 5569 National Flood Insurance Program Extension Act of 2010 (all provisions) S. 3814 National Flood Insurance Program Reextension Act of 2010 (all provisions) S. 3672 Coordination of Wind and Flood Perils Act of 2010 (all provisions) H.R. 5993 Securing America's Veterans Insurance Needs & Goals Act (all provisions) S. 3685 Insurance Competition And Transparency Act (all provisions) Broker-Dealer Fiduciary Standard (generally)

Client expense: $280,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 83. Homeowners Insurance Protection Act (entire bill) H.R. 308/ S. 1364. Hurricane and Tornado Mitigation Investment Act (entire bills) H.R. 1583. To further competition in the insurance industry (Repeals McCarran-Furguson Act) (entire bills) H.R 327/ S. 1485. National Hurricane Research Initiative Act (entire bill) H.R. 988/ S. 1486. Policyholder Disaster Protection Act (entire bill) H.R. 1239. Property Mitigation Assistance Act (entire bill) H.R. 1264. Multi Peril Insurance Act (entire bill) S. 505. Homeowners Defense Act (entire bill) H.R. 1880. National Insurance Consumer Protection Act (entire bill) H.R. 1754/ S.664. Financial System Stabilization and Reform Act of 2009 (entire bill) S. 886. Catastrophe Obligation Guarantee Act (entire bill) H.R. 2555. Homeowners Defense Act of 2009 (entire bill) H.R. 2554. National Association of Registered Agents and Brokers Reform Act (entire bill) H.R. 2571/ S. 1363. Non-admitted and Reinsurance Reform Act H.R. 2609. Insurance Information Act (entire bill) H.R. 3596/ S. 1681. Health Insurance Industry Antitrust Enforcement Act (entire bill) S.1484. Catastrophe Savings Account Act (entire bill) S. 1487. Commission on Catastrophic Disaster Risk and Insurance Act (entire bill) H.R. 3139. National Flood Insurance Program Extension Act (entire bill) H.R. 3126/ H.R. 3639. Consumer Financial Protection Agency Act S. 1540. Resolution Reform Act of 2009 H.R. 4173. Wall Street Reform and Consumer Protection Act of 2009. (entire bill) H.R. 3817. Investor Protections Act of 2009. (entire bill) H.R. 3818. Private Fund Investment Advisors Registration Act of 2009. (entire bill) H.R. 3996. Financial Stability Improvement Act. (entire bill) S. 3217. Restoring America's Financial Stability Act (entire bill) H.R. 4778. National Flood Insurance Program Extension Act (entire bill) H.R. 4802. Risk Retention Modernization Act (entire bill) H.R. 4626. Health Insurance Industry Fair Competition Act (entire bill) H.R. 5114. Flood Insurance Reform Priorities Act (entire bill) H.R. 5255. Stable Flood Insurance Authorization Act (entire bill) S. 3347. To extend the NFIP though December 31, 2010 (entire bill) S. 3814. National Flood Insurance Program Re-extension Act (entire bill) S. 3685. Insurance Competition and Transparency Act (entire bill) S. 3546. Cheaper Car Insurance Act (entire bill)

Client expense: $330,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT), Treasury, Dept of

Legislation and rulemakings affecting annuities, variable life products, and retirement savings including Administration and Congressional proposals on financial services reform. S. 1297-Retirement Security for Life Act, legislation to provide tax incentives for non-qualified annuities. HR 2748-Retirement Security Needs Lifetime Pay Act, legislation to provide tax incentives for qualified and non-qualified annuities. HR 2733/S. 1389-Fixed Indexed Annuities and Insurance Products Classification Act of 2009, legislation related to SEC Rule 151A and the regulation of index annuities by the SEC. Proposal with the Securities and Exchange Commission for a rulemaking to provide for the acceptance of a summary prospectus for variable annuities. S. 2832-Lifetime Income Disclosure Act, legislation that proposes to amend the Employment Retirement Income Security Act of 1974 to require disclosure of lifetime income equivalents. HR 5297-Small Business Lending Fund Act, provisions relating to partial annuitization and Roth conversions of 401(k) savings. HR 2554, commonly known as NARAB II. Legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. S. 3217-legislation to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end too big to fail, to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. HR 4173-The Wall Street Reform and Consumer Protection Act of 2010, legislation to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end too big to fail, to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. Proposal with the Securities and Exchange Commission for a rulemaking to provide for the harmonization of the standard of care for broker-dealers and investment advisors.

Client expense: $124,301 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Legislation and rulemakings affecting annuities, variable life products, and retirement savings including Administration and Congressional proposals on financial regulatory reform. S. 1297-"Retirement Security for Life Act", legislation to provide a tax incentive for non-qualified annuities. HR 2748-Retirement Security Needs Lifetime Pay Act, legislation to provide tax incentives for qualified and non-qualified annuities. HR 2733/S. 1389-Fixed Indexed Annuities and Insurance Products Classification Act of 2009, legislation related to SEC Rule 151A and the regulation of index annuities by the SEC. Proposal with the Securities and Exchange Commission for a rulemaking to provide for the acceptance of a summary prospectus for variable annuities. S. 2832-Lifetime Income Disclosure Act, legislation that proposes to amend the Employment Retirement Income Security Act of 1974 to require disclosure of lifetime income equivalents. HR 2554, commonly known as NARAB II. Legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. S. 3217-legislation to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end too big to fail, to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. HR 4173-The Wall Street Reform and Consumer Protection Act of 2010, legislation to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end too big to fail, to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. Discussion of proposals at the Department of Treasury for increasing Americans access to guaranteed lifetime income solutions. Discussion of proposals at the Department of Labor for increasing Americans access to guaranteed lifetime income solutions.

Client expense: $124,301 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 1020 - Arbitration Fairness Act of 2009 S. 931 - Arbitration Fairness Act of 2009 Asbestos Related Legislation Bankruptcy Transparency Issues S. 3305 - Big Oil Bailout Prevention Liability Act of 2010 Climate Change/Global Warming Coastal Wind Zone Proposal H.R. 3644 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 Credit Scoring and the Use of Credit as Underwriting Tool Emergency Economic Stabilization Act of 2008 and TARP Related Issues H.R. 1409 - Employee Free Choice Act of 2009 S. 560 - Employee Free Choice Act of 2009 H.R. 1788 - False Claims Act Correction Act of 2009 Federal Resolution Authority Financial Services Systemic Risk Proposals Obama Administrations White Paper on Financial Services Modernization H.R. 5114 - Flood Insurance Reform Priorities Act of 2010 Health Care and Education Reconciliation Act of 2010 (Pub.L. 111-152) H.R. 4872 - Health Care and Education Reconciliation Act of 2010 H.R. 4626 - Health Insurance Industry Fair Competition Act S. 1681 - Health Insurance Industry Antitrust Enforcement Act of 2009 H.R. 2555 - Homeowners Defense Act of 2009 S. 505 - Homeowners Defense Act of 2009 H.R. 83 - Homeowners Insurance Protection Act of 2009 H.R. 2609 - Insurance Information Act of 2009 Legal Reform Low Income Tax Recapture Bonds H.R. 3424 - To amend the Internal Revenue Code of 1986 to disallow the deduction for excess non-taxed reinsurance premiums with respect to United States risks paid to affiliates. McCarran-Ferguson Reform and Modernization Medicare Secondary Payer and Workers' Compensation Settlement Agreements H.R. 635 - National Commission on State Workers Compensation Laws Act of 2009 H.R. 1264 - Multiple Peril Insurance Act of 2009 H.R. 2554 - National Association of Registered Agents and Brokers Reform Act of 2010 H.R. 1880 - National Insurance Consumer Protection Act H.R. 2571 - Non-admitted and Reinsurance Reform Act of 2009 S. 1363 - Non-admitted and Reinsurance Reform Act of 2009 H.R. 1260 - Patent Reform Act of 2009 S. 515 - Patent Reform Act of 2009 S. 610 - Patent Reform Act of 2009 H.R. 3590 - Patient Protection and Affordable Care Act S. 2478 - Remuneration for Ecological and Societal Tolls Occasioned by Reckless Errors Act H.R. 4173 - Restoring American Financial Stability Act of 2010 S. 1071 - Shareholders Bill of Rights Sunshine in Litigation Act of 2009 H.R. 2761 - Terrorism Risk Insurance Program Reauthorization Act of 2007, Continue to Monitor Legislation Passed December, 2007. H.R. 5297 - The Small Business Lending Fund Act of 2010 (Surety Bond Issues) H.R. 847 - James Zadroga 9/11 Health and Compensation Act of 2010

Client expense: $590,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

HR 4173 Wall Street Reform and Consumer Protection Act of 2009; Issue: all aspects impacting insurance regulation S. 3217 Restoring American Financial Stability Act of 2010; Issue: all aspects impacting insurance regulation HR 2554 National Association of Registered Agent and Brokers Reform Act; Issue:reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. We support this bill. HR 2609 Create a federal Office of Insurance Information; Issue: need for federal insurance expertise; scope of office HR 2571 and S 1363 Non-Admitted and Reinsurance Reform; Issue: need for reform for these insurance lines HR 2733/S 1389 - Fixed Indexed Annuities and Insurance Products Classification Act; Issue: clarify that certain annuity products are exempt from federal regulation Other Financial Services Regulatory Reform bills, including: HR 1880 - The National Insurance Consumer Protection Act; HR 3996 Financial Stability Improvement Act; S 2756 Financial Services Systemic Risk Oversight Council Act; HR 3310 Consumer Protection and Regulatory Enhancement Act; HR 2253/S 298 Financial Markets Commission Act, S 664 and HR 1754 The Financial System Stabilization and Reform Act of 2009; HR 4191 Let Wall Street Pay for the Restoration of Main Street, HR 885/S 1354 Improved Financial and Commodity Markets Oversight and Accountability Act, S 1540 Resolution Reform Act, S 2813 Investor Rights and Corporate Accountability Act, HR 3269 Corporate and Financial Institution Compensation Fairness Act, HR 4142/S 2746 Too Big to Fail, Too Big to Exist Act, HR 4516 Financial Services Industry Stability Act of 2010; and HR 2111 Congressional Commission on Financial Accoutability and Preparedness Act; Issues on all above regulatory reform bills: all aspects of financial services regulatory reform affecting the insurance industry, including scope of Federal Insurance Office, consumer protection, systemic risk regulation, resolution authority, and funding mechanisms. S 3546 Cheaper Car Insurance Act of 2010; Issue: federal efforts to crack down on insurance fraud S 3685 Insurance Competition and Transparency Act of 2010; Issue: Oppose greater FTC involvement in insurance regulation

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial Services Regulatory Reform: Lobby for and against certain provisions in H.R. 4173, The Dodd-Frank Wall Street Reform and Consumer Protection Act that would affect insurers, including a resolution fund for failing firms, and the treatment of insurers under the "Volcker Rule" ban on proprietary trading and investment in hedge and private equity funds. Also, followed inclusion of section to create a new Federal Insurance Office at Treasury. Also, lobby for robust and effective Federal Insurance Office. The final legislation was signed into law on July 21, 2010. Also, with key trade associations, worked on regulatory strategy for the implementation of Dodd-Frank. Annuities/Suitability: Lobbied for an amendments to H.R. 4173 that helps confirm that fixed index annuities are insurance products. Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both the Congress and the SEC, this rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims in contravention of international agreements. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against legislation to create a national back stop for natural catastrophe insurance. Lobbied for H.R. 3026, H.R. 203000007 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs, as well as the American Power Act in the Senate. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Also through consultants, lobbied for passage of "Home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for"Building Star" legislation, which would provide similar incentives for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitory progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: support the continuing to state jurisdictions over fixed index annuities: HR 2733, fixed Indexed Annuities and Insurance Products classification Act of 2009, as well as an amendment to financial services reform based on this legislation. Agents and Brokers: support NARABII: HR 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Client expense: $420,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, Risk Management Agency, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Insurance Industry Competition Act of 2009 - H.R. 1583, all provisions Financial System Stabilization and Reform Act of 2009 - H.R. 1754/S. 664, all provisions National Insurance Consumer Protection Act - H.R. 1880, all provisions Community Reinvestment Modernization Act of 2009 - H.R. 1479, all provisions Nonadmitted and Reinsurance Reform Act of 2009 - H.R. 2571/S. 1363, all provisions National Association of Registered Agents and Brokers Reform Act of 2009 - H.R. 2554, all provisions Insurance Information Act of 2009 - H.R. 2609, all provisions Health Insurance Industry Antitrust Enforcement Act - H.R. 3596/ S. 1681, all provisions Americas Health Future Act Legislation to reform the healthcare system - H.R. 3962/ H.R. 3590, all provisions Drywall Victims Insurance Protection Act of 2009 - H.R. 4094, all provisions Medicare Secondary Payer Enhancement Act of 2010 - H.R. 4796, all provisions Health Insurance Industry Fair Competition Act - H.R. 4626, all provisions

Client expense: $210,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to adjuster uniform and reciprocal licensing legislation and H.R. 2554.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to supporting the National Association of Registered Agents and Brokers Reform Act, particularly HR 2554. Issues related to insurance generally and health insurance specifically with emphasis on retaining a private sector role for insurance brokers in health care reform and employee benefits, including the implementation of the recently enacted health care reform legislation. Supporting legislation creating a Federal Insurance Office (formerly called Office of Insurance Information), particularly H.R. 260, and H.R. 2571 to modernize the regulation of surplus lines insurance. Both pieces of legislation were included in H.R. 4173, Restoring American Financial Stability Act of 2010 Wall Street Reform and Consumer Protection Act. Legislative proposals on these issues introduced in the Senate were also merged into H.R. 4173. Also monitored other insurance related provisions included in the overall reform proposal. Monitor legislation related to extending and reforming the National Flood Insurance Program, particularly H.R. 5114, H.R.4213 and S. 3814, as well as Multi-peril Insurance included in H.R. 1264.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 2221, Data Accountability and Trust Act, all provisions. H.R. 1106, Helping Families Save Their Homes Act of 2009, all provisions. H.R. 2554, National Association of Registered Agents and Brokers Reform Act, all provisions. H.R. 3996, The Financial Stability Improvement Act of 2009, all provisions. H.R. 1106, Helping Families Save Their Homes Act of 2009, all provisions H.R. 3126, Consumer Financial Protection Agency Act of 2009, all provisions H.R. 3817, Investor Protection Act of 2009, all provisions H.R. 3890, Accountability and Transparency in Credit Rating Agencies Act of 2009, all provisions H.R. 3795, Over The Counter Derivatives Market Act, all provisions H.R. 3763, A Bill to Amend the Fair Credit Reporting Act to Provide for an Exclusion from Red Flag Guidelines for Certain Businesses, all provisions H.R. 4173, Financial Regulatory Reform, all provisions/ The Wall Street Reform and Consumer Protection Act of 2009, all provisions [No Bill Number], Securitization Reform, all provisions [No Bill Number], Restoring American Financial Stability Act of 2009 TG-506, Financial Crisis Responsibility Fee S. 3217 An original bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. [No Bill Number], Residential Mortgage Backed Securities [No Bill Number], Commercial Mortgage Backed Securities H.R. 4868, Housing Preservation and Tenant Protection Act of 2010 H.R. 5072, The FHA Reform Act of 2010 H.R. 2861, Shareholder Empowerment Act of 2009 S. 2832, Lifetime Income Disclosure Act H.R. 1479, H.R. 2896 Community Reinvestment Modernization Act of 2009 [No Bill Number], Government Sponsored Enterprise Reform

Client expense: $2,890,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 74 - Financial Oversight Commission S. 505 - Homeowner's Defense Act of 2009 H.R. 1880 - National Insurance Consumer Protection Act H.R. 83 - Homeowner's Insurance Protection Act of 2009 H.R. 3962 - Affordable Health Care for Americans Act of 2009 H.R. 3200 - America's Affordable Health Choices Act of 2009 H.R. 1583 - Insurance Industry Competition Act of 2009 - to further competition in the insurance industry (repeals McCarran Ferguson) H.R. 1754 - To create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the federal government, and for other purposes. H.R. 1880 - National Insurance Consumer Protection Act - to establish a system of regulation and supervision for insurers, insurance agencies and insurance producers. H.R. 2554 - National Association of Registered Agents and Brokers Reform Act of 2009 (NARAB II) H.R. 2571 / S. 1363 - Nonadmitted and Reinsurance Reform Act of 2009 H.R. 2609 - Insurance Information Act of 2009 - to establish an Office of Insurance Information in the Department of the Treasury S. 886 - Catastrophe Obligation Guarantee Act H.R. 1264 - Multiple Peril Insurance Act of 2009 H.R. 2592 - To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act, to enhance existing programs providing mitigation assistance by encouraging states to adopt and actively enforce State building codes. H.R. 2555 - Homeowner's Defense Act of 2009 H.R. 706 - To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act, to direct the Administrator of FEMA to continue to administer the National Urban Search and Rescue Response System H.R. 998 - To amend the Internal Revenue Code of 1986 to provide for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders' claims arising from future catastrophic events. H.R. 1239 - To establish a homeowner mitigation loan program within the Federal Emergency Management Agency to promote pre-disaster property mitigation measures. H.R. 1746 - To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to reauthorize the pre-disaster mitigation program of the Federal Emergency Management Agency H.R. 3596 / S. 1681 - Health Insurance Antitrust Enforcement Act of 2009 H.R. 3126 - Consumer Financial Protection Act H.R. 5114 - Flood Insurance Reform and Priorities Act of 2010

Client expense: $932,499 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Insurance regulation reform issues including optional federal charter, creation of a Federal Insurance Office, McCarran-Ferguson and underwriting issues. S.1583 - Insurance Industry Competition Act of 2009 - all provisions H.R.1880 - National Insurance Consumer Protection Act - all provisions H.R.2609 Insurance Information Act of 2009 / Federal Insurance Office Act of 2009 all provisions H.R.2554 National Association of Registered Agents and Brokers Reform Act of 2009 - licensing issues H.R.2571 / S.1363 Nonadmitted and Reinsurance Reform Act of 2009 surplus lines issues H.R.3059 / S.1386 - Access to Repair Parts all provisions H.R.2057 Motor Vehicles Owners Right to Repair Act of 2009 all provisions S.1681 / H.R.3596 - Health Insurance Industry Anti-Trust Enforcement Act of 2009 definitions of insurance: liability and health H.R.4626 Health Insurance Industry Fair Competition Act Lines of insurance included and FTC study of insurance Natural catastrophe issues including proposals regarding government backstops for insurance losses from large-scale natural catastrophes. H.R.1264 - Multiple Peril Insurance Act of 2009 all provisions H.R.83 Homeowners Insurance Protection Act of 2009 all provisions H.R.998 - Policyholder Disaster Protection Act of 2009 all provisions S.866 Catastrophe Obligation Guarantee Act all provisions H.R.2555 / S.505 Homeowners Defense Act all provisions S.1486 / H.R.998 Policyholder Disaster Protection Act of 2009 all provisions S.1487 Commission on Catastrophic Disaster Risk and Insurance Act of 2009 all provisions H.R.2555 Homeowners Defense Act of 2009 all provisions H.R.1264 Multiple Peril Insurance Act of 2009 all provisions Flood insurance issues Reauthorization of the National Flood Insurance Program (NFIP) H.R.1105 Omnibus Appropriations Act, 2009 extend the National Flood Insurance Program (NFIP) to September 30, 2009 and privacy provisions H.R.3139 National Flood Insurance Program Extension Act of 2009 Extend the NFIP program H.R.2918 Legislative Branch Appropriations Act 2010 Temporary extension of the NFIP H.R.2996 the Interior Environment Appropriations Act Temporary extension of the NFIP H.R.3326 The Department of Defense Appropriations Act 2010 Temporary extension of the NFIP H.R.4691 Temporary Extension Act of 2010 Temporary extension of the NFIP H.R.2701 Intelligence Authorization Act of 2010 Temporary extension of the NFIP & COBRA Hiring Incentives to Restore Employment Act Draft bill Temporary extension of the NFIP H.R.4851 Continuing Extension Act of 2010 Temporary extension of the NFIP H.R.5114 Flood Insurance Reform Priorities Act of 2010 all provisions H.R.5255 Stable Flood Insurance Authorization Act of 2010 all provisions H.R.5569 National Flood Insurance Program Extension Act of 2010 all provisions H.R.4213 - American Jobs and Closing Tax Loopholes Act of 2010 - Temporary extension of the NFIP Workers compensation issues including: H.R.635 National Commission on State Workers Compensation Laws Act of 2009 all provisions H.R.2641 Medicare Secondary Payer and Workers' Compensation Settlement Agreements Act of 2009 all provisions Health care reform issues, including revenue offsets, expansion of the Medicare Secondary Payer Act, definition of health insurer, CLASS Act and workers compensation. H.R.3200 - Americas Affordable Health Choices Act of 2009 S.1679 - Affordable Health Choices Act including the CLASS Act and the Universal 24-Hour Coverage amendment S. 1796 - Americas Healthy Future Act of 2009 - revenue offsets, expansion of the Medicare Secondary Payer Act, definition of health insurer, CLASS Act and workers compensation) H.R.3590 Patient Protection and Affordable Care Act (House and Senate versions) - revenue offsets, expansion of the Medicare Secondary Payer Act, definition of health insurer, CLASS Act and workers compensation H.R.3962 the Affordable Health Care for America Act - revenue offsets, expansion of the Medicare Secondary Payer Act, definition of health insurer, CLASS Act and workers compensation H.R.4872 Health Care and Education Reconciliation Act of 2010 - revenue offsets

Client expense: $490,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

- HR 1721/ S 697, "A bill to amend the Internal Revenue Code of 1986 to allow long-term care insurance to be offered under cafeteria plans and flexible spending arrangements and to provide additional consumer protections for long-term care insurance" a/k/a "Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - S 434, "A bill to amend title XIX of the Social Security Act to improve the State plan amendment option for providing home and community-based services under the Medicaid program, and for other purposes" a/k/a "Empowered at Home Act", regarding all provisions. - HR 897, "To amend the Internal Revenue Code of 1986 to allow individuals a deduction for qualified long-term care insurance premiums, use of such insurance under cafeteria plans and flexible spending arrangements, and a credit for individuals with long-term care needs" a/k/a "Long-Term Care and Retirement Security Act of 2009", regarding all provisions. - HR 1880, "To establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under Federal law that ensures the stability and financial integrity of those insurers, agencies, and producers and that protects policyholders and other consumers served by such insurers, agencies, or producers", a/k/a "The National Insurance Consumer Protection Act", regarding all provisions. - HR 2609, "To establish an Office of Insurance Information in the Department of the Treasury", a/k/a "Insurance Information Act of 2009", regarding all provisions. -HR 2554, "To reform the National Association of Registered Agents and Brokers, and for other purposes", regarding all provisions. - HR 1721/S 697, "A bill to amend the Public Health Service Act to help individuals with functional impairments and their families pay for services and supports that they need to maximize their functionality and independence and have choices about community participation, education, and employment, and for other purposes", a/k/a "Community Living Assistance Services and Supports Act", regarding all provisions. - S 1177, "A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes", a/k/a "Long-Term Care Insurance Act of 2009", regarding all provisions. - HR 2096, "To amend the Internal Revenue Code of 1986 to allow long-term care insurance to be offered under cafeteria plans and flexible spending arrangements and to provide additional consumer protections for long-term care insurance", a/k/a "The Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - The Administration's Regulatory Reform Proposal, regarding all provisions. - HR 4173, "Dodd-Frank Act", a/k/a, "To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes", a/k/a "Wall Street Reform & Consumer Protection Act of 2009", regarding Title II, V, IX. - HR 3126, "To establish the Consumer Financial Protection Agency, and for other purposes", a/k/a, "Consumer Financial Protection Agency Act of 2009", regarding all provisions. - "Restoring American Financial Stability Act", regarding all provisions.

Client expense: $1,270,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), U.S. Trade Representative (USTR)

H.R. 2221, Data Accountability and Trust Act, all provisions. H.R. 1106, Helping Families Save Their Homes Act of 2009, all provisions. H.R. 2554, National Association of Registered Agents and Brokers Reform Act, all provisions. H.R. 3996, The Financial Stability Improvement Act of 2009, all provisions. H.R. 1106, Helping Families Save Their Homes Act of 2009, all provisions H.R. 3126, Consumer Financial Protection Agency Act of 2009, all provisions H.R. 3817, Investor Protection Act of 2009, all provisions H.R. 3890, Accountability and Transparency in Credit Rating Agencies Act of 2009, all provisions H.R. 3795, Over The Counter Derivatives Market Act, all provisions H.R. 3763, A Bill to Amend the Fair Credit Reporting Act to Provide for an Exclusion from Red Flag Guidelines for Certain Businesses, all provisions H.R. 4173, Financial Regulatory Reform, all provisions/ The Wall Street Reform and Consumer Protection Act of 2009, all provisions [No Bill Number], Securitization Reform, all provisions [No Bill Number], Restoring American Financial Stability Act of 2009 TG-506, Financial Crisis Responsibility Fee S. 3217 An original bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. [No Bill Number], Residential Mortgage Backed Securities [No Bill Number], Commercial Mortgage Backed Securities H.R. 4868, Housing Preservation and Tenant Protection Act of 2010 H.R. 5072, The FHA Reform Act of 2010 H.R. 2861, Shareholder Empowerment Act of 2009 S. 2832, Lifetime Income Disclosure Act H.R. 1479, H.R. 2896 Community Reinvestment Modernization Act of 2009 [No Bill Number], Government Sponsored Enterprise Reform

Client expense: $2,870,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 1880: The National Insurance Consumer Protection Act. Issues related to supporting an Optional Federal Charter for Insurers. H.R. 5629/S. 3305: Monitoring issues related to oil spill liability. H.R. 4213 Monitoring issues related to the extension of the National Flood Insurance Program H.R. 5114 " " " " reform of the NFIP HR2554 Issues related to supporting the National Association of Registered Agents and Brokers Reform Act HR4173 The Wall Street Reform & Consumer Protection Act Restoring American Financial Stability Act of 2010 now includes: HR2609 Issues supporting legislation creating a Federal Insurance Office (formerly called Office of Insurance Information); HR2571 to modernize the regulation of surplus lines insurance. Legislative proposals on these issues introduced in the Senate were also merged into H.R. 4173. Monitored other insurance related provisions included in the overall reform proposal. Issues related to health insurance reform specifically retaining a private sector role for insurance brokers in health care reform and employee benefits, including the implementation of the recently enacted health care reform legislation.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Insurance Regulatory Reform HR 1880 - "The National Insurance Consumer Protection Act" - Creates a federal insurance regulator HR 1479 - "Community Reinvestment Modernization Act of 2009" - Modifies and expands CRA to include non-bank institutions such as insurers HR 83 - "Homeowners Insurance Protection Act" - Creates a national catastrophic insurance fund to sell low-cost reinsurance contracts to state catastrophe funds, as well as set up a natural catastrophe commission HR 998 - "Policyholder Disaster Protection Act of 2009" - Amends the IRS Code of 1986 to provide for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders' claims arising from future catastrophic events HR 1264 - "Multiple Peril Insurance Act of 2009" - Expands National Flood Insurance Program to include wind coverage HR 3059/S1368 - "Access to Repair Parts Act of 2009" - Amends patent law to allow for the use of after-market replacement auto crash parts HR 2554 - "National Association of Registered Agents and Brokers Reform Act of 2009" - Creates national standards for insurance agents and brokers HR 2592 - "Safe Building Code Incentive Act of 2009" - Provides for incentives to states for passing and enforcing strict building codes S 886 - "Catastrophe Obligation Guarantee Act" - Establishes bond guarantees for states involved in earthquakes and hurricanes HR 4173 - "The Wall Street Reform and Consumer Protection Act" - Financial Regulatory Reform S 3217 - "Restoring American Financial Stability Act" - Financial Regulatory Reform HR 4375/S 2886 - "The Banking Integrity Act of 2009" - Repeals Glass-Steagall Act HR 5569/S 3347 - "National Flood Insurance Program Extension Act" - Re-authorizes federal flood insurance through September 30, 2010 HR 5114 - "Flood Insurance Reform Priorities Act" - Long-term extension and reforms of federal flood insurance HR 2555 - "Homeowners Defense Act of 2009" - Establishes a national catastrophe risk consortium

Client expense: $890,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office

H.R. 83. Homeowners Insurance Protection Act (entire bill) H.R. 308/ S. 1364. Hurricane and Tornado Mitigation Investment Act (entire bills) H.R. 1583. To further competition in the insurance industry (Repeals McCarran-Furguson Act) (entire bills) H.R 327/ S. 1485. National Hurricane Research Initiative Act (entire bill) H.R. 988/ S. 1486. Policyholder Disaster Protection Act (entire bill) H.R. 1239. Property Mitigation Assistance Act (entire bill) H.R. 1264. Multi Peril Insurance Act (entire bill) S. 505. Homeowners Defense Act (entire bill) H.R. 1880. National Insurance Consumer Protection Act (entire bill) H.R. 1754/ S.664. Financial System Stabilization and Reform Act of 2009 (entire bill) S. 886. Catastrophe Obligation Guarantee Act (entire bill) H.R. 2555. Homeowners Defense Act of 2009 (entire bill) H.R. 2554. National Association of Registered Agents and Brokers Reform Act (entire bill) H.R. 2571/ S. 1363. Nonadmitted and Reinsurance Reform Act H.R. 2609. Insurance Information Act (entire bill) H.R. 3596/ S. 1681. Health Insurance Industry Antitrust Enforcement Act (entire bill) S.1484. Catastrophe Savings Account Act (entire bill) S. 1487. Commission on Catastrophic Disaster Risk and Insurance Act (entire bill) H.R. 3139. National Flood Insurance Program Extension Act (entire bill) H.R. 3126/ H.R. 3639. Consumer Financial Protection Agency Act S. 1540. Resolution Reform Act of 2009 H.R. 3590. Patient Protection and Affordable Care Act (proposed amendment #2795, Health Insurance Antitrust Enforcement Act) H.R. 3326. FY 2010 DOD Appropriations (Sec. 1005, Continuing Resolution of National Flood Insurance Program). H.R. 3962. Affordable Health Care for America Act (Sec 260-FTC Authority, Sec. 262, Antitrust Application to Health Sector Industries). H.R. 4173. Wall Street Reform and Consumer Protection Act of 2009. (entire bill) H.R. 3817. Investor Protections Act of 2009. (entire bill) H.R. 3818. Private Fund Investment Advisors Registration Act of 2009. (entire bill) H.R. 3996. Financial Stability Improvement Act. (entire bill) S. 3217. Restoring America's Financial Stability Act (entire bill) H.R. 4778. National Flood Insurance Program Extension Act (entire bill) H.R. 4802. Risk Retention Modernization Act (entire bill) H.R. 4626. Health Insurance Industry Fair Competition Act (entire bill) S. 3203. To extend the NFIP through May 31, 2010 (entire bill) H.R. 5114. Flood Insurance Reform Priorities Act (entire bill) H.R. 5255. Stable Flood Insurance Authorization Act (entire bill) S. 3347. To extend the NFIP though December 31, 2010 (entire bill)

Client expense: $340,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT)