Senior Investor Protections Enhancement Act of 2009

Proposals responding to the effect of the stock market decline on retirement savings accounts. Proposals to expand retirement coverage, including proposals to mandate payroll deduction IRAs (not yet in legislative form) Proposals regarding annuitization of assets from defined contribution plans (not yet in legislative form) HR 2989 - "401k Fair Disclosure and Pension Security Act of 2009" - To amend the Employee Retirement Income Security Act of 1974 to provide special reporting and disclosure rules for individual account plans and to provide a minimum investment option requirement for such plans, to amend such Act to provide for independent investment advice for participants and beneficiaries under individual account plans, and to amend such Act and the Internal Revenue Code of 1986 to provide transitional relief under certain pension funding rules added by the Pension Protection Act of 2006 - to increase 401(k) fee disclosure requirements and make changes to investment advice rules HR 1984 - "401(k) Fair Disclosure for Retirement Security Act" - To amend title 1 of the Employee Retirement Income Security Act of 1974 to provide special reporting and disclosure rules for individual account plans and to provide a minimum investment option requirement for such plans HR 2779 - "Defined contribution Plan Fee Transparency Act" - To amend the Internal Revenue Code of 1986 to provide transparency with respect to fees and expenses charged to participant-directed defined contribution plans, and to improve participant communication HR 1988 - "Conflicted Investment Advice Prohibition Act of 2009" - To amend title I of the Employee Retirement Income Security Act of 1974 to provide for independent investment advice for participants and beneficiaries under individual account plans S 2832 - "Lifetime Income Disclosure Act" - A lifetime income disclosure shall set forth the annuity equivalent of the total benefits accrued with respect to the participant or beneficiary S 401 - "Defined Contribution Fee Disclosure Act" - A bill to amend the Employee Retirement Income Security Act of 1974 to provide special reporting and disclosure rules for individual accounts plans and for other purposes HR 3550 - "Senior Investor Protections Enhancement Act" - To enhance penalties for violations of securities protections that involve targeting seniors S 1659 - "Senior Investor Protections Enhancement Act" - To enhance penalties for violations of securities protections that involve targeting seniors HR 3669 - "Employer-Owned Life Insurance Limitation Act" - To prohibit employers from carrying life insurance policies on their rank and file employees HR 4213 - "American Jobs and Closing Loopholes Act of 2010" - Provides low income housing credits HR 4742 - "Save Act of 2009" - Reforms Retirement Plan System HR 4173 - "Dodd Frank Wall Street Reform and Consumer Protection Act" - overhauls regulation of financial markets HR 5297 - "Small Business Jobs and Credit Act - partial annuitizations Roth provisions

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

Proposals responding to the effect of the stock market decline on retirement savings accounts. Proposals to expand retirement coverage, including proposals to mandate payroll deduction IRAs (not yet in legislative form) Proposals regarding annuitization of assets from defined contribution plans (not yet in legislative form) HR 2989 - "401k Fair Disclosure and Pension Security Act of 2009" - To amend the Employee Retirement Income Security Act of 1974 to provide special reporting and disclosure rules for individual account plans and to provide a minimum investment option requirement for such plans, to amend such Act to provide for independent investment advice for participants and beneficiaries under individual account plans, and to amend such Act and the Internal Revenue Code of 1986 to provide transitional relief under certain pension funding rules added by the Pension Protection Act of 2006 - to increase 401(k) fee disclosure requirements and make changes to investment advice rules HR 1984 - "401(k) Fair Disclosure for Retirement Security Act" - To amend title 1 of the Employee Retirement Income Security Act of 1974 to provide special reporting and disclosure rules for individual account plans and to provide a minimum investment option requirement for such plans HR 2779 - "Defined contribution Plan Fee Transparency Act" - To amend the Internal Revenue Code of 1986 to provide transparency with respect to fees and expenses charged to participant-directed defined contribution plans, and to improve participant communication HR 1988 - "Conflicted Investment Advice Prohibition Act of 2009" - To amend title I of the Employee Retirement Income Security Act of 1974 to provide for independent investment advice for participants and beneficiaries under individual account plans S 2832 - "Lifetime Income Disclosure Act" - A lifetime income disclosure shall set forth the annuity equivalent of the total benefits accrued with respect to the participant or beneficiary S 401 - "Defined Contribution Fee Disclosure Act" - A bill to amend the Employee Retirement Income Security Act of 1974 to provide special reporting and disclosure rules for individual accounts plans and for other purposes HR 3550 - "Senior Investor Protections Enhancement Act" - To enhance penalties for violations of securities protections that involve targeting seniors S 1659 - "Senior Investor Protections Enhancement Act" - To enhance penalties for violations of securities protections that involve targeting seniors HR 3669 - "Employer-Owned Life Insurance Limitation Act" - To prohibit employers from carrying life insurance policies on their rank and file employees HR 4213 - "American Jobs and Closing Loopholes Act of 2010" - Provides low income housing credits HR 4742 - "Save Act of 2009" - Reforms Retirement Plan System HR 4173 - "Restoring American Financial stability Act of 2010" - Modifies treatment of Swaps for Retirement Plans HR 5297 - "Small Business Lending Act of 2010" - Adds Roth features for 457 plans/in plan conversions

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

Proposals responding to the effect of the stock market decline on retirement savings accounts. Proposals to expand retirement coverage, including proposals to mandate payroll deduction IRAs (not yet in legislative form) Proposals regarding annuitization of assets from defined contribution plans (not yet in legislative form) HR 2989 - "To amend the Employee Retirement Income Security Act of 1974 to provide special reporting and disclosure rules for individual account plans and to provide a minimum investment option requirement for such plans, to amend such Act to provide for independent investment advice for participants and beneficiaries under individual account plans, and to amend such Act and the Internal Revenue Code of 1986 to provide transitional relief under certain pension funding rules added by the Pension Protection Act of 2006" - to increase 401(K) fee disclosure requirements and make changes to investment advice rules HR 1984 - "401(K) Fair Disclosure for Retirement Security Act" - To amend title 1 of the Employee Retirement Income Security Act of 1974 to provide special reporting and disclosure rules for individual account plans and to provide a minimum investment option requirement for such plans HR 2779 - "Defined contribution Plan Fee Transparency Act" - To amend the Internal Revenue Code of 1986 to provide transparency with respect to fees and expenses charged to participant-directed defined contribution plans, and to improve participant communication HR 1988 - To amend title I of the Employee Retirement Income Security Act of 1974 to provide for independent investment advice for participants and beneficiaries under individual account plans HR 2989 - To amend the Employee Retirement Income Security Act of 1974 to provide special reporting and disclosure rules for individual account plans and to provide a minimum investment option requirement for such plans, to amend such Act to provide for independent investment advice for participants and beneficiaries under individual account plans, and to amend such Act and the Internal Revenue Code of 1986 to provide transitional relief under certain pension funding rules added by the Pension Protection Act of 2006 S 2832 - "Lifetime Income Disclosure Act" - A lifetime income disclosure shall set forth the annuity equivalent of the total benefits accrued with respect to the participant or beneficiary S 401 - "Defined Contribution Fee Disclosure Act" - A bill to amend the Employee Retirement Income Security Act of 1974 to provide special reporting and disclosure rules for individual accounts plans and for other purposes HR 3550 - "Senior Investor Protections Enhancement Act" - To enhance penalties for violations of securities protections that involve targeting seniors S 1659 - "Senior Investor Protections Enhancement Act" - To enhance penalties for violations of securities protections that involve targeting seniors HR 3669 - "Employer-Owned Life Insurance Limitation Act" - To prohibit employers from carrying life insurance policies on their rank and file employees

Client expense: $1,100,730 · 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