Port Security Grant Act of 2013

Proposals to expand retirement coverage, including proposals to mandate payroll deduction IRAs (not yet in legislative form) Obama Administration's proposals to limit contributions to retirement accounts (not yet in legislative form) Proposals regarding annuitization of assets from defined contribution plans (not yet in legislative form) Congressional activity surrounding the Department of Labor's proposed regulation to redefine "fiduciary" (not yet in legislative form) S 676-"Identity Theft & Tax Fraud Prevention Act" Death Master File limitations S. Con. Res. 12-"Concurrent resolution expressing the sense of the Congress that our current tax incentives for retirement savings provide important benefits to Americans to help plan for a finanacially secure retirement"- Expresses sense of the Congress regarding tax incentives for retirement savings S 953-"Student Loan Affordability Act"-Specifically the requirement to accelerate required minimum distribution from inherited IRA's and 401(k)-type of accounts used to offset the cost of lower student loan interest rates USA Retirement Funds-Not yet introduced, a plan to create a new type of privately-run retirement plan HR 2374-"Retail Investor Protection Act"-addresses the timing of the release of the Department of Labor's re-proposal and definition of fiduciary and provides guidance to the SEC on its own proposal SEC Municipal Advisors Rule-rule clarifying the definitions of "municipal adavisor" and "investment strategies" Updates to 408(b)(2) Fee Disclosure-will provide a more uniform manner for disclosing information to plan sponsors Plan Consolidation - (no bill) Auto IRA Program-for employers not offering a retirement plan with no mandate (not yet introduced) HR 1534-Small Business Add Value for Employees (SAVE) Act of 2013 HR 837-Saving for American Families' Future Act of 2013 HR 2171/S 1145-Lifetime Income Disclosure Act of 2013 HR 2374-Retail Investor Protection Act of 2013 S 1970-Retirement Act of 2014 S 1979-HARKIN RETIREMENT USA Preserving America's Transit and Highways Act of 2014 (Path Act) (no bill number yet) HR 4634-To amend the Internal Revenue Code of 1986 to allow Federal law enforcement officers and firefighters to make penalty-free withdrawals from government plans after age 50 Security Through Retirement Act - (Senator Cantwell's) (not yet introduced)-legislation encouraging the purchase & a guaranteed lifetime income product, like an annuity USAccounts- (not yet introduced) (Rep. Crowley)- legislation for child savings accounts SPUR Accounts- (not yet introduced) (Rep. Crowley) - legislation to create a new retirement aaccount for employees

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS)

Monitoring immigration and visa legislation (H.R.1534)jobs originated through Launching Travel Act-issues associated with increasing business travelers and tourism (H.R.490 & S.223)Visa Waiver Program Enhanced Security and Reform Act (S.744) A bill to provide for comprehensive immigration reform and for other purposes

Client expense: Not reported · Firm income: $120,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, State, Dept of (DOS)

See Addendum.S. 676, "The Identify Theft and Tax Fraud Protection Act of 2013". S. 1145, "Lifetime Income Disclosure Act". S. 1270, "SAFE Retirement Act of 2013". S. 1557, "Automatic IRA Act", a bill to amend the Internal Revenue Code to promote and simplify Qualified Plans. S. 1970, "The Retirement Security Act of 2014". S. 1979, "The USA Retirement Funds Act". H.R. 1534, "Small Business Add Value for Employees Act". H.R. 2117, "Retirement Plan Simplification and Enhancement Act of 2013". H.R. 2171, "Lifetime Income Disclosure Act". H.R. 837, "Savings for American Families' Future Act of 2013" - Amends the Internal Revenue Code to : (1) increase the rate of the tax credit for retirement savings contributions; (2) make such credit refundable; and (3) direct the Secretary of the Treasury to pay matching credit amounts into taxpayer retirement accounts. H.R. 2035, "Automatic IRA Act of 2013", - Amends the Internal Revenue Code to require certain employers who do not maintain qualifying retirement plans or arrangements to make available to their eligible employees a payroll deposit individual retirement account (IRA) arrangement. No Bill Number - The Universal Secure and Adaptable (USA) Retirement Fund - a proposal to increase retirement coverage. No Bill Number - A proposal relating to Tax Reform released by Chairman David Camp of the House Ways and Means Committee. No Bill Number - The Security Throughout Retirement Act - a bill regarding annuitization and lifetime income options. Dept. of Commerce proposed rule amending 15CFR, Section 1110.2. Dept. of Labor, final rule adding Section 2520.104(b)-1(c), Electronic Distribution of Disclosures Required by Title 1 of ERISA, 75 FR 19285 (4/7/11). Dept. of Labor, proposed rule amending Section 2510.3-21 c, (definition of term "fiduciary"), 75 FR 65263 (10/22/10). Dept. of Labor proposed rule amending Section 2550.404a-4, Selection of Insurers to provide guaranteed retirement income- safe harbor for individual account plans. Dept. of Labor, proposed rule amending Section 2550.408(b)(2), amendement relating to "Reasonable Contract for Arrangement - Fee Disclosure". Dept. of Labor, "Advance Notice of Proposed Rule Making (ANPRM) on Pension Benefit Statements". The ANPRM will require an illustration of participant account balances on partcipant statements in the form of lifetime income. The Bi-Partisan Budget Act of 2013 (Death Master File Provision).

Proposals to expand retirement coverage, including proposals to mandate payroll deduction IRAs (not yet in legislative form) Obama Administration's proposals to limit contributions to retirement accounts (not yet in legislative form) Proposals regarding annuitization of assets from defined contribution plans (not yet in legislative form)Congressional activity surrounding the Department of Labor's proposed regulation to redefine "fiduciary" (not yet in legislative form) S 676 - "Identity Theft & Tax Fraud Prevention Act" Death master file limitations S. Con. Res. 12 - "Concurrent resolution expressing the sense of the Congress that our current tax incentives for retirement savings provide important benefits to Americans to help plan for a financially secure retirement" - Expresses sense of the Congress regarding tax incentives for retirement savings S 953 - "Student Loan Affordability Act"- Specifically the requirement to accelerate required minimum distributions from inherited IRA's and 401(k)-type of accounts used to offset the cost of lower student loan interest rates USA Retirement Funds - Not yet introduced, a plan to create a new type of privately-run retirement plan HR 2374- "Retail Investor Protection Act" - addresses the timing of the release of the Department of Labor's re-proposal and definition of fiduciary and provides guidance to the SEC on its own proposal SEC Municipal Advisers Rule- rule clarifying the definitions of "municipal advisor" and "investment strategies" Updates to 408(b)(2) Fee Disclosure-will provide a more uniform manner for disclosing information to plan sponsors Plan Consolidation - (no bill) Auto IRA Program- for employers not offering a retirement plan with no mandate (not yet introduced) HR 1534- Small Business Add Value for Employees (SAVE) Act of 2013 HR 837-Saving for American Families' Future Act of 2013 HR 2171/ S 1145-Lifetime Income Disclosure Act of 2013 HR 2374-Retail Investor Protection Act of 2013 S 1970- Retirement Act of 2014 S 1979-HARKIN RETIREMENT USA Preserving America's Transit and Highways Act of 2014 (Path Act) (no bill number yet) HR 4634 - To amend the Internal Revenue Code of 1986 to allow Federal law enforcement officers and firefighters to make penalty-free withdrawals from government plans after age 50

See Addendum.S. 676, "The Identify Theft and Tax Fraud Protection Act of 2013". S. 1145, "Lifetime Income Disclosure Act". S. 1270, "SAFE Retirement Act of 2013". S. 1557, "Automatic IRA Act", a bill to amend the Internal Revenue Code to promote and simplify Qualified Plans. S. 1970, "The Retirement Security Act of 2014". S. 1979, "The USA Retirement Funds Act". H.R. 1534, "Small Business Add Value for Employees Act". H.R. 2117, "Retirement Plan Simplification and Enhancement Act of 2013". H.R. 2171, "Lifetime Income Disclosure Act". H.R. 837, "Savings for American Families' Future Act of 2013" - Amends the Internal Revenue Code to : (1) increase the rate of the tax credit for retirement savings contributions; (2) make such credit refundable; and (3) direct the Secretary of the Treasury to pay matching credit amounts into taxpayer retirement accounts. H.R. 2035, "Automatic IRA Act of 2013", - Amends the Internal Revenue Code to require certain employers who do not maintain qualifying retirement plans or arrangements to make available to their eligible employees a payroll deposit individual retirement account (IRA) arrangement. No Bill Number - The Universal Secure and Adaptable (USA) Retirement Fund - a proposal to increase retirement coverage. No Bill Number - A proposal relating to Tax Reform released by Chairman David Camp of the House Ways and Means Committee. No Bill Number - The Security Throughout Retirement Act - a bill regarding annuitization and lifetime income options. Dept. of Commerce proposed rule amending 15CFR, Section 1110.2. Dept. of Labor, final rule adding Section 2520.104(b)-1(c), Electronic Distribution of Disclosures Required by Title 1 of ERISA, 75 FR 19285 (4/7/11). Dept. of Labor, proposed rule amending Section 2510.3-21 c, (definition of term "fiduciary"), 75 FR 65263 (10/22/10). Dept. of Labor proposed rule amending Section 2550.404a-4, Selection of Insurers to provide guaranteed retirement income- safe harbor for individual account plans. Dept. of Labor, proposed rule amending Section 2550.408(b)(2), amendement relating to "Reasonable Contract for Arrangement - Fee Disclosure". Dept. of Labor, "Advance Notice of Proposed Rule Making (ANPRM) on Pension Benefit Statements". The ANPRM will require an illustration of participant account balances on partcipant statements in the form of lifetime income. The Bi-Partisan Budget Act of 2013 (Death Master File Provision).

Proposals to expand retirement coverage, including proposals to mandate payroll deduction IRAs (not yet in legislative form) Obama Administration's proposals to limit contributions to retirement accounts (not yet in legislative form) Proposals regarding annuitization of assets from defined contribution plans (not yet in legislative form)Congressional activity surrounding the Department of Labor's proposed regulation to redefine "fiduciary" (not yet in legislative form) S 676 - "Identity Theft & Tax Fraud Prevention Act" Death master file limitations S. Con. Res. 12 - "Concurrent resolution expressing the sense of the Congress that our current tax incentives for retirement savings provide important benefits to Americans to help plan for a financially secure retirement" - Expresses sense of the Congress regarding tax incentives for retirement savings S 953 - "Student Loan Affordability Act"- Specifically the requirement to accelerate required minimum distributions from inherited IRA's and 401(k)-type of accounts used to offset the cost of lower student loan interest rates USA Retirement Funds - Not yet introduced, a plan to create a new type of privately-run retirement plan HR 2374- "Retail Investor Protection Act" - addresses the timing of the release of the Department of Labor's re-proposal and definition of fiduciary and provides guidance to the SEC on its own proposal SEC Municipal Advisers Rule- rule clarifying the definitions of "municipal advisor" and "investment strategies" Updates to 408(b)(2) Fee Disclosure-will provide a more uniform manner for disclosing information to plan sponsors Plan Consolidation - (no bill) Auto IRA Program- for employers not offering a retirement plan with no mandate (not yet introduced) HR 1534- Small Business Add Value for Employees (SAVE) Act of 2013 HR 837-Saving for American Families' Future Act of 2013 HR 2171/ S 1145-Lifetime Income Disclosure Act of 2013 HR 2374-Retail Investor Protection Act of 2013 S 1970- Retirement Act of 2014 S 1979-HARKIN RETIREMENT USA

H.R. 677, S. 267 Lifetime Income Disclosure Act; H.R. 1534 SAVE Act; Proposed ERISA fiduciary investment advice rule; eDelivery (in connection with 401(k) fee disclosure rules) Fee disclosure regulations

Client expense: $840,000 · Firm income: Not reported

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

H.R. 677, S. 267 Lifetime Income Disclosure Act; H.R. 1534 SAVE Act; Proposed ERISA fiduciary investment advice rule; eDelivery (in connection with 401(k) fee disclosure rules) Fee disclosure regulations

Client expense: $800,000 · Firm income: Not reported

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