Senior Investment Protection Act of 2009

H.R. 519: ELDER CAREGIVER SUPPORT AND INFORMATION ENHANCEMENT ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE INFORMATION CLEARINGHOUSE H.R. 1961: SAVINGS FOR AMERICAN FAMILIES FUTURE ACT OF 2009; PROVISIONS RELATED TO SAVERS' CREDIT H.R.1984: 401(K) FAIR DISCLOSURE FOR RETIREMENT SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 1988: CONFLICTED INVESTMENT ADVICE PROHIBITION ACT OF 2009; PROVISIONS RELATED TO INVESTMENT ADVICE H.R. 2021: SAVINGS RECOVERY ACT OF 2009; PROVISIONS RELATED TO SAVERS CREDIT H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO CLARIFICATION FOR FIXED ANNUITIES REGULATION H.R. 2748: RETIREMENT SECURITY NEEDS LIFETIME PAY ACT OF 2009; PROVISIONS RELATED TO TAX INCENTIVES FOR ANNUITIES H.R. 2779: DEFINED CONTRIBUTION PLAN FEE TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE H.R. 2792: RETIREMENT SAVINGS TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO PLAN FEE DISCLOSURE H.R. 2989: 401 (K) FAIR DISCLOSURE AND PENSION SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 3551 /S. 1661/S. 906: SENIOR INVESTMENT PROTECTION ACT OF 2009; PROVISIONS RELATED TO PRODUCT SALES TO SENIORS AND ANNUITIES SALES H.R. 3590: THE PATIENT PROTECTION AND AFFORDABLE CARE ACT; PROVISIONS RELATED TO LONG TERM CARE FINANCING WITHIN HEALTH REFORM, AND MEDICARE TAX ON NONQUALIFIED ANNUITY INCOME H.R. 4126: RETIREMENT FAIRNESS ACT OF 2009; PROVISIONS RELATED TO MODIFICATION OF 401(K) PLAN RULES H.R. 4173: DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT (FKA: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010); ALL PROVISIONS OF THE BILL H.R. 4213: UNEMPLOYMENT COMPENSATION EXTENSION ACT OF 2010 (FKA: AMERICAN JOBS AND CLOSING TAX LOOPHOLES ACT OF 2010); PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE H.R. 4626: HEALTH INSURANCE INDUSTRY FAIR COMPETITION ACT; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) H.R. 4742: SMALL BUSINESSES ADD VALUE FOR EMPLOYEES (SAVE) ACT OF 2009; PROVISIONS RELATED TO SIMPLIFICATION OF SIMPLE IRAS, AND VOLUNTARY AUTO IRAS H.R. 4872: HEALTH CARE AND EDUCATION RECONCILIATION ACT OF 2010; PROVISIONS RELATED TO LONG TERM CARE FINANCING WITHIN HEALTH CARE REFORM, AND UNEARNED INCOME TAXATION H.R. 5297: SMALL BUSINESS JOBS AND CREDIT ACT OF 2010; PROVISIONS RELATED TO PARTIAL ANNUITIZATION AND ROTH CONVERSIONS OF 401(K) SAVINGS S. 401: DEFINED CONTRIBUTION FEE DISCLOSURE ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE S. 1177: CONFIDENCE IN LONG-TERM CARE INSURANCE ACT OF 2009; PROVISIONS RELATED TO CONSUMER PROTECTION IN LONG TERM CARE S. 1297: RETIREMENT SECURITY FOR LIFE ACT OF 2009; PROVISIONS RELATED TO NON-QUALIFIED ANNUITIES TAX INCENTIVES S. 1626: LONG TERM CARE INSURANCE INTEGRITY ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE S.1636: LONG TERM CARE INSURANCE CONSUMER RIGHT-TO-KNOW ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE CONSUMER PROTECTIONS S. 2832: LIFETIME INCOME DISCLOSURE ACT; PROVISIONS RELATED TO ANNUITY ILLUSTRATION ON BENEFIT STATEMENTS S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM

Client expense: $380,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 710 To secure additional Tier I capital for the U.S. banking system from parties other than the federal government by providing authority to the secretary of the treasury to guaranty certain new preferred stock investments made by public pensions acting in a collective fashion, and for other purposes HR 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.2221: To protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for nationwide notice in the event of a security breach. HR. 3126: Establishment of the Consumer Financial Protection Agency H.R. 3269: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation and to prevent perverse incentives in the compensation practices of financial institutions HR. 3310: To reform the financial regulatory system of the United States, and for other purposes H.R. 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, executive compensation H.R. 6334: to amend the Community Reinvestment Act of 1977 to improve the assessments of regulated financial institutions S 605 A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities. S. 961 to authorize the regulation of credit default swaps and other swap agreements, and for other purposes S. 1074 to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives S.1661: A bill to protect older Americans from misleading and fraudulent marketing practices, with the goal of increasing retirement security. S 3217 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 - regulatory reform

Client expense: $425,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 3232/S. 1661: The Travel Promotion Act S. 1023/H.R. 2935/H.R. 1035: The Travel Promotion Act of 2009 S. 428/H.R. 874: A bill to allow travel between the United States and Cuba H.R. 4645:To remove obstacles to U.S. Agriculture sales to Cuba and to end travel restrictions on all Americans to Cuba H.R. 4676/S. 3225: Travel Regional Investment Partnership Act S. 2971: Foreign Relations Authorization Act H.R. 2410: Foreign relations Authorization Act Internet Travel Tax Fairness Act Adjustments to the federal per diem rates

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

Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE

H.R. 519: ELDER CAREGIVER SUPPORT AND INFORMATION ENHANCEMENT ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE INFORMATION CLEARINGHOUSE H.R. 1961: SAVINGS FOR AMERICAN FAMILIES FUTURE ACT OF 2009; PROVISIONS RELATED TO SAVERS' CREDIT H.R.1984: 401(K) FAIR DISCLOSURE FOR RETIREMENT SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 1988: CONFLICTED INVESTMENT ADVICE PROHIBITION ACT OF 2009; PROVISIONS RELATED TO INVESTMENT ADVICE H.R. 2021: SAVINGS RECOVERY ACT OF 2009; PROVISIONS RELATED TO SAVERS CREDIT H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO CLARIFICATION FOR FIXED ANNUITIES REGULATION H.R. 2748: RETIREMENT SECURITY NEEDS LIFETIME PAY ACT OF 2009; PROVISIONS RELATED TO TAX INCENTIVES FOR ANNUITIES H.R. 2779: DEFINED CONTRIBUTION PLAN FEE TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE H.R. 2792: RETIREMENT SAVINGS TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO PLAN FEE DISCLOSURE H.R. 2989: 401 (K) FAIR DISCLOSURE AND PENSION SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 3551 /S. 1661/S. 906: SENIOR INVESTMENT PROTECTION ACT OF 2009; PROVISIONS RELATED TO PRODUCT SALES TO SENIORS AND ANNUITIES SALES H.R. 3590: THE PATIENT PROTECTION AND AFFORDABLE CARE ACT; PROVISIONS RELATED TO LONG TERM CARE FINANCING WITHIN HEALTH REFORM, AND MEDICARE TAX ON NONQUALIFIED ANNUITY INCOME H.R. 4126: RETIREMENT FAIRNESS ACT OF 2009; PROVISIONS RELATED TO MODIFICATION OF 401(K) PLAN RULES H.R. 4173: DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT (FKA: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010); ALL PROVISIONS OF THE BILL H.R. 4213: AMERICAN JOBS AND CLOSING TAX LOOPHOLES ACT OF 2010; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE H.R. 4626: HEALTH INSURANCE INDUSTRY FAIR COMPETITION ACT; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) H.R. 4742: SMALL BUSINESSES ADD VALUE FOR EMPLOYEES (SAVE) ACT OF 2009; PROVISIONS RELATED TO SIMPLIFICATION OF SIMPLE IRAS, AND VOLUNTARY AUTO IRAS H.R. 4872: HEALTH CARE AND EDUCATION RECONCILIATION ACT OF 2010; PROVISIONS RELATED TO LONG TERM CARE FINANCING WITHIN HEALTH CARE REFORM, AND UNEARNED INCOME TAXATION H.R. 5297: SMALL BUSINESS JOBS AND CREDIT ACT OF 2010; PROVISIONS RELATED TO PARTIAL ANNUITIZATION AND ROTH CONVERSIONS OF 401(K) SAVINGS S. 401: DEFINED CONTRIBUTION FEE DISCLOSURE ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE S. 1177: CONFIDENCE IN LONG-TERM CARE INSURANCE ACT OF 2009; PROVISIONS RELATED TO CONSUMER PROTECTION IN LONG TERM CARE S. 1297: RETIREMENT SECURITY FOR LIFE ACT OF 2009; PROVISIONS RELATED TO NON-QUALIFIED ANNUITIES TAX INCENTIVES S. 1626: LONG TERM CARE INSURANCE INTEGRITY ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE S.1636: LONG TERM CARE INSURANCE CONSUMER RIGHT-TO-KNOW ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE CONSUMER PROTECTIONS S. 2832: LIFETIME INCOME DISCLOSURE ACT; PROVISIONS RELATED TO ANNUITY ILLUSTRATION ON BENEFIT STATEMENTS S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1961 - Savings for American Families' Future Act of 2009; entire bill H.R. 2021 - Savings Recovery Act; entire bill H.R. 2096 - Long-Term Care Affordability and Security Act of 2009; entire bill H.R. 2637 - To amend the Internal Revenue Code of 1986 to increase the age at which distributions from qualified retirement plans are required to begin and to extend the waiver of required minimum distribution rules for certain retirement plans and accounts through 2010; entire bill H.R. 2748 - Retirement Security Needs Lifetime Pay Act; entire bill H.R. 2779 Defined Contribution Plan Fee Transparency Act; provisions relating to fee disclosure H.R. 2989 - 401(k) Fair Disclosure and Pension Security Act of 2009; provisions relating to fee disclosures and investment advice H.R. 3429 - Generate Retirement Ownership Through Long-Term Holding Act of 2009; entire bill H.R. 3551 - Senior Investment Protection Act of 2009; entire bill H.R. 3936 Preserve Benefits and Jobs Act of 2009; provisions relating to employer-provided pension plans and retirement savings H.R. 4213 American Jobs and Closing Tax Loopholes Act of 2010; provisions relating to fee disclosure H.R. 4126 - Retirement Fairness Act of 2009; entire bill H.R. 4146 - Sensible Transparency for Retirement Plans Act of 2009; entire bill H.R. 4742 Small Businesses Add Value for Employees (SAVE) Act; entire bill H.R. 6099 - Automatic IRA Act of 2010; entire bill S. 401 - Defined Contribution Fee Disclosure Act of 2009; entire bill S. 702 - Long-Term Care Affordability and Security Act of 2009; entire bill S. 906 - Senior Investor Protection Act; entire bill S. 1082 - The Generating Retirement Ownership Through Long-Term Holding Act; entire bill S. 1297 - Retirement Security for Life Act; entire bill S. 1661 - Senior Investment Protection Act of 2009; entire bill S. 2832 Lifetime Income Disclosure Act; entire bill S. 3760 - Automatic IRA Act of 2010; entire bill Administrations Budget provisions relating to Auto IRA proposal

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3232/S. 1661: The Travel Promotion Act S. 1023/H.R. 2935/H.R. 1035: The Travel Promotion Act of 2009 S. 428/H.R. 874: A bill to allow travel between the United States and Cuba H.R. 4645:To remove obstacles to U.S. Agriculture sales to Cuba and to end travel restrictions on all Americans to Cuba H.R. 4676/S. 3225: Travel Regional Investment Partnership Act Internet Travel Tax Fairness Act

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

Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE

HR 710 To secure additional Tier I capital for the U.S. banking system from parties other than the federal government by providing authority to the secretary of the treasury to guaranty certain new preferred stock investments made by public pensions acting in a collective fashion, and for other purposes HR 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.2221: To protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for nationwide notice in the event of a security breach. HR. 3126: Establishment of the Consumer Financial Protection Agency H.R. 3269: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation and to prevent perverse incentives in the compensation practices of financial institutions HR. 3310: To reform the financial regulatory system of the United States, and for other purposes H.R. 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, executive compensation H.R. 6334: to amend the Community Reinvestment Act of 1977 to improve the assessments of regulated financial institutions S 605 A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities. S. 961 to authorize the regulation of credit default swaps and other swap agreements, and for other purposes S. 1074 to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives S.1661: A bill to protect older Americans from misleading and fraudulent marketing practices, with the goal of increasing retirement security. S 3217 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 - regulatory reform

Client expense: $315,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

HR 710 To secure additional Tier I capital for the U.S. banking system from parties other than the federal government by providing authority to the secretary of the treasury to guaranty certain new preferred stock investments made by public pensions acting in a collective fashion, and for other purposes HR 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.2221: To protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for nationwide notice in the event of a security breach. HR. 3126: Establishment of the Consumer Financial Protection Agency H.R. 3269: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation and to prevent perverse incentives in the compensation practices of financial institutions HR. 3310: To reform the financial regulatory system of the United States, and for other purposes H.R. 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, executive compensation S 605 A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities. S. 961 to authorize the regulation of credit default swaps and other swap agreements, and for other purposes S. 1074 to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives S.1661: A bill to protect older Americans from misleading and fraudulent marketing practices, with the goal of increasing retirement security. S 3217 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 - regulatory reform

Client expense: $315,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 3232/S. 1661: The Travel Promotion Act S. 1023/H.R. 2935/H.R. 1035: The Travel Promotion Act of 2009 S. 428/H.R. 874: A bill to allow travel between the United States and Cuba H.R. 4645:To remove obstacles to U.S. Agriculture sales to Cuba and to end travel restrictions on all Americans to Cuba

Client expense: $305,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE

H.R. 1961 - Savings for American Families' Future Act of 2009; entire bill H.R. 2021 - Savings Recovery Act; entire bill H.R. 2096 - Long-Term Care Affordability and Security Act of 2009; entire bill H.R. 2637 - To amend the Internal Revenue Code of 1986 to increase the age at which distributions from qualified retirement plans are required to begin and to extend the waiver of required minimum distribution rules for certain retirement plans and accounts through 2010; entire bill H.R. 2748 - Retirement Security Needs Lifetime Pay Act; entire bill H.R. 2779 Defined Contribution Plan Fee Transparency Act; provisions relating to fee disclosure H.R. 2989 - 401(k) Fair Disclosure and Pension Security Act of 2009; provisions relating to fee disclosures and investment advice H.R. 3429 - Generate Retirement Ownership Through Long-Term Holding Act of 2009; entire bill H.R. 3551 - Senior Investment Protection Act of 2009; entire bill H.R. 3936 Preserve Benefits and Jobs Act of 2009; provisions relating to employer-provided pension plans and retirement savings H.R. 4213 American Jobs and Closing Tax Loopholes Act of 2010; provisions relating to fee disclosure H.R. 4126 - Retirement Fairness Act of 2009; entire bill H.R. 4146 - Sensible Transparency for Retirement Plans Act of 2009; entire bill H.R. 4742 - Small Businesses Add Value for Employees (SAVE) Act; entire bill S. 401 - Defined Contribution Fee Disclosure Act of 2009; entire bill S. 702 - Long-Term Care Affordability and Security Act of 2009; entire bill S. 906 - Senior Investor Protection Act; entire bill S. 1082 - The Generating Retirement Ownership Through Long-Term Holding Act; entire bill S. 1297 - Retirement Security for Life Act; entire bill S. 1661 - Senior Investment Protection Act of 2009; entire bill S. 2832 Lifetime Income Disclosure Act; entire bill Administrations Budget provisions relating to Auto IRA proposal

Client expense: $630,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 519: ELDER CAREGIVER SUPPORT AND INFORMATION ENHANCEMENT ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE INFORMATION CLEARINGHOUSE H.R. 1961: SAVINGS FOR AMERICAN FAMILIES FUTURE ACT OF 2009; PROVISIONS RELATED TO SAVERS' CREDIT H.R.1984: 401(K) FAIR DISCLOSURE FOR RETIREMENT SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 1988: CONFLICTED INVESTMENT ADVICE PROHIBITION ACT OF 2009; PROVISIONS RELATED TO INVESTMENT ADVICE H.R. 2021: SAVINGS RECOVERY ACT OF 2009; PROVISIONS RELATED TO SAVERS CREDIT H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO CLARIFICATION FOR FIXED ANNUITIES REGULATION H.R. 2748: RETIREMENT SECURITY NEEDS LIFETIME PAY ACT OF 2009; PROVISIONS RELATED TO TAX INCENTIVES FOR ANNUITIES H.R. 2779: DEFINED CONTRIBUTION PLAN FEE TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE H.R. 2792: RETIREMENT SAVINGS TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO PLAN FEE DISCLOSURE H.R. 2989: 401 (K) FAIR DISCLOSURE AND PENSION SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 3551 /S. 1661/S. 906: SENIOR INVESTMENT PROTECTION ACT OF 2009; PROVISIONS RELATED TO PRODUCT SALES TO SENIORS, AND ANNUITIES SALES H.R. 3590: THE PATIENT PROTECTION AND AFFORDABLE CARE ACT; PROVISIONS RELATED TO LONG TERM CARE FINANCING, AND MEDICARE TAX ON NONQUALIFIED ANNUITY INCOME H.R. 4126: RETIREMENT FAIRNESS ACT OF 2009; PROVISIONS RELATED TO MODIFICATION OF 401(K) PLAN RULES H.R. 4173/S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010 (FKA: WALL STREET REFORM AND CONSUMER PROTECTION ACT OF 2009); PROVISIONS RELATED TO THE EXCLUSION OF RETIREMENT BENEFITS FROM CONSUMER FINANCIAL PROTECTION AGENCY, AND SENIOR INVESTOR PROTECTION ACT H.R. 4213: AMERICAN JOBS AND CLOSING TAX LOOPHOLES ACT OF 2010; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE H.R. 4626: HEALTH INSURANCE INDUSTRY FAIR COMPETITION ACT; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) H.R. 4742: SMALL BUSINESSES ADD VALUE FOR EMPLOYEES (SAVE) ACT OF 2009; PROVISIONS RELATED TO SIMPLIFICATION OF SIMPLE IRAS, AND VOLUNTARY AUTO IRAS H.R. 4872: HEALTH CARE AND EDUCATION RECONCILIATION ACT OF 2010; PROVISIONS RELATED TO LONG TERM CARE FINANCING WITHIN HEALTH CARE REFORM, AND UNEARNED INCOME TAXATION H.R. 5297: SMALL BUSINESS JOBS AND CREDIT ACT OF 2010; PROVISIONS RELATED TO PARTIAL ANNUITIZATION AND ROTH CONVERSIONS OF 401(K) SAVINGS S. 401: DEFINED CONTRIBUTION FEE DISCLOSURE ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE S. 1177: CONFIDENCE IN LONG-TERM CARE INSURANCE ACT OF 2009; PROVISIONS RELATED TO CONSUMER PROTECTION IN LONG TERM CARE S. 1297: RETIREMENT SECURITY FOR LIFE ACT OF 2009; PROVISIONS RELATED TO NON-QUALIFIED ANNUITIES TAX INCENTIVES S. 1626: LONG TERM CARE INSURANCE INTEGRITY ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE S.1636: LONG TERM CARE INSURANCE CONSUMER RIGHT-TO-KNOW ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE CONSUMER PROTECTIONS S. 2832: LIFETIME INCOME DISCLOSURE ACT; PROVISIONS RELATED TO ANNUITY ILLUSTRATION ON BENEFIT STATEMENTS

Client expense: $810,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

See attachment. RET Second Quarter Report 2010 H.R. 519 The Elder Caregiver Support and Information Enhancement Act of 2009. Issue: LTC additional appropriations for LTC Information clearinghouse. H.R. 1961 - Savings for American Families Future Act Issue: savers' credit H.R. 1984 - 401(k) Fair Disclosure for Retirement Security Act of 2009. Issue: Retirement plan fee disclosure. H.R. 1988 Conflicted Investment Advice Prohibition Act of 2009. Issue: Investment Advice. H.R. 2021 Savings Recovery Act of 2009. Issue: Savers credit. H.R. 2733/S. 1389 Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Issue: Clarify exemption for fixed indexed annuities. H.R. 2748 Retirement Security Needs Lifetime Pay Act of 2009. Issue: Tax Incentive for Annuities. H.R. 2779 Defined Contribution Plan Fee Transparency Act of 2009. Issue: 401(k) Plan Fee Disclosure. H.R. 2792 Retirement Savings Transparency Act. Issue: Plan fee disclosure. H.R. 2989 401 (K) Fair Disclosure and Pension Security Act of 2009. Issue: Retirement Plan Fee Disclosure H.R. 3590-The Patient Protection and Affordable Care Act. Issue: Long Term Care financing within heath reform and Medicare tax on nonqualified annuity income. H. R. 4126 Retirement Fairness Act. Issue: Modification of 401(k) Plan Rules. H.R. 4213: American Jobs and Closing Tax Loopholes Act. Issue: Inclusion of 401 (k) plan fee disclosure. H.R. 4626 - Health Insurance Industry Fair Competition Act. Issue: Amends the McCarran-Ferguson Act to apply to the business of health insurance. H.R. 4742 - SAVE Act. Issue: simplifies SIMPLE IRAs and provides for voluntary Auto IRAs. H.R. 4872 Health Care and Education Reconciliation Act of 2010. Issue: LTC financing within health reform and unearned income tax. H.R. 5297 Small Business Lending Fund Act. Issue: Partial Annuitization and Roth Conversions of 401 (k) savings. S. 401 - Defined Contribution Fee Disclosure Act Issue: 401(k) fee disclosure S. 1177 Confidence in Long Term Care Insurance Act of 2009. Issue: Consumer protection for long term care. S. 1226: Long Term Care Insurance Integrity Act of 2009. Issue: Long Term Care. S. 1297 Retirement Security for Life Act. Issue: Tax Incentive for Non Qualified Annuities. S. 1636 Long Term Care Insurance Consumer Right-To-Know Act of 2009. Issue: Long Term Care consumer protections. S. 1661/S. 906/H.R. 3551 Senior Investment Protection Act of 2009. Issue: Suitability in insurance product sales to seniors and the sale of annuities. S. 2832 Lifetime Income Disclosure Act. Issue: Annuity illustration on benefit statements. S. 3217/H.R. 4173 - Restoring American Financial Stability Act. Issue: incorporates Senior Investor Protection Act and provides for employer benefit plan carve out from CFPB.

Client expense: $1,620,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1297 Retirement Security for Life Act. Issue: Tax Incentive for Non Qualified Annuities. H.R. 2748 Retirement Security Needs Lifetime Pay Act of 2009. Issue: Tax Incentive for Annuities. H.R. 1988 Conflicted Investment Advice Prohibition Act of 2009. Issue: Investment Advice. H.R.1984 - 401(k) Fair Disclosure for Retirement Security Act of 2009. Issue: Retirement plan fee disclosure. H.R. 2989 401 (K) Fair Disclosure and Pension Security Act of 2009. Issue: Retirement Plan Fee Disclosure H.R. 519 The Elder Caregiver Support and Information Enhancement Act of 2009. Issue: LTC additional appropriations for LTC Information clearinghouse. H.R. 1961 - Savings for American Families Future Act Issue: savers' credit S. 401 - Defined Contribution Fee Disclosure Act Issue: 401(k) fee disclosure H.R. 2021 Savings Recovery Act of 2009. Issue: Savers credit. H.R. 2792 Retirement Savings Transparency Act. Issue: Plan fee disclosure. H.R. 2733/S. 1389 Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Issue: Clarify exemption for fixed indexed annuities. S. 1177 Confidence in Long Term Care Insurance Act of 2009. Issue: Consumer protection for long term care. S. 1226: Long Term Care Insurance Integrity Act of 2009. Issue: Long Term Care. S. 1636 Long Term Care Insurance Consumer Right-To-Know Act of 2009. Issue: Long Term Care consumer protections. S. 1661/S. 906/H.R. 3551 Senior Investment Protection Act of 2009. Issue: Suitability in insurance product sales to seniors and the sale of annuities. H.R. 2779 Defined Contribution Plan Fee Transparency Act of 2009. Issue: 401(k) Plan Fee Disclosure. S. 2832 Lifetime Income Disclosure Act. Issue: Annuity illustration on benefit statements. H. R. 4126 Retirement Fairness Act. Issue: Modification of 401(k) Plan Rules. H.R. 3590-The Patient Protection and Affordable Care Act. Issue: Long Term Care financing within heath reform and Medicare tax on nonqualified annuity income. H.R. 4872 Health Care and Education Reconciliation Act of 2010. Issue: LTC financing within health reform and unearned income tax. H.R. 4626 - Health Insurance Industry Fair Competition Act. Issue: Amends the McCarran-Ferguson Act to apply to the business of health insurance. H.R. 4742 - SAVE Act. Issue: simplifies SIMPLE IRAs and provides for voluntary Auto IRAs. S.3217/H.R. 4173 - Restoring American Financial Stability Act. Issue: incorporates Senior Investor Protection Act and provides for employer benefit plan carve out from CFPB. H.R. 5297 Small Business Lending Fund Act. Issue: Partial Annuitization and Roth Conversions of 401 (k) savings. H.R. 4213: American Jobs and Closing Tax Loopholes Act. Issue: Inclusion of 401 (k) plan fee disclosure.

Client expense: $2,316,895 · Firm income: Not reported

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

HR 710 To secure additional Tier I capital for the U.S. banking system from parties other than the federal government by providing authority to the secretary of the treasury to guaranty certain new preferred stock investments made by public pensions acting in a collective fashion, and for other purposes HR 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.2221: To protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for nationwide notice in the event of a security breach. HR. 3126: Establishment of the Consumer Financial Protection Agency H.R. 3269: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation and to prevent perverse incentives in the compensation practices of financial institutions HR. 3310: To reform the financial regulatory system of the United States, and for other purposes H.R.3817: To provide the Securities and Exchange Commission with additional authorities to protect investors from violations of the securities laws H.R. 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, executive compensation S 344 A bill to require hedge funds to register with the Securities and Exchange Commission, and for other purposes S 605 A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities. S. 961 to authorize the regulation of credit default swaps and other swap agreements, and for other purposes S. 1006 to require a supermajority shareholder vote to approve excessive compensation of any employee of a publicly-traded company S. 1074 to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives S. 1276 A bill to require investment advisers to private funds, including hedge funds, private equity funds, venture capital funds, and others to register with the Securities and Exchange Commission, and for other purposes. S.1661: A bill to protect older Americans from misleading and fraudulent marketing practices, with the goal of increasing retirement security. S. 3149 to amend the Internal Revenue Code of 1986 to limit certain executive compensation paid by systemically significant financial institutions S 3217 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 - regulatory reform

Client expense: $425,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

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 for a tax incentive for non-qualified annuities. HR 2748-Retirement Security Need Lifetime Pay Act, legislation to provide tax incentives for qualified and non-qualified annuities. S 1661-Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading or fraudulent marketing practices in the sale of financial products. HR 4872-The Health Care and Education Affordability Reconciliation Act of 2010, provisions related to an increase in taxes on unearned income, including 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 lifetime income disclosure. HR 4742, SAVE Act, legislation HR 4742, legislation to simplify SIMPLE IRAs and provides for voluntary Auto-IRAs. S 3217, Senate legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance, investor protection, and consumer protection. Proposal by the Department of Treasury for some form of auto-annuitization to allow for a portion of an individuals retirement funds to be automatically distributed into a guaranteed lifetime income product for a two year trial period.

Client expense: $102,161 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services regulatory reform. S. 1297-Retirement Security for Life Act, legislation to provide a tax incentive for non-qualified annuities. HR 2748-Retirement Security Need Lifetime Pay Act, legislation to provide tax incentives for qualified and non-qualified annuities. S 1661-Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading or fraudulent marketing practices in the sale of financial products. HR 4872-The Health Care and Education Affordability Reconciliation Act of 2010, provisions related to an increase in taxes on unearned income, including 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 lifetime income disclosure. 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, Senate legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance, investor protection, and consumer protection.

Client expense: $102,161 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services reform. S 1297-Retirement Security for Life Act, legislation to provide for a tax incentive for non-qualified annuities. HR 2748-Retirement Security Need Lifetime Pay Act, legislation to provide tax incentives for qualified and non-qualified annuities. S 1661-Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading or fraudulent marketing practices in the sale of financial products. HR 4872-The Health Care and Education Affordability Reconciliation Act of 2010, provisions related to an increase in taxes on unearned income, including 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 lifetime income disclosure. HR 4742, SAVE Act, legislation HR 4742, legislation to simplify SIMPLE IRAs and provides for voluntary Auto-IRAs. 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, Senate legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance, investor protection, and consumer protection.

Client expense: $102,161 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services regulatory reform. S. 1297-Retirement Security for Life Act, legislation to provide a tax incentive for non-qualified annuities. HR 2748-Retirement Security Need Lifetime Pay Act, legislation to provide tax incentives for qualified and non-qualified annuities. S 1661-Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading or fraudulent marketing practices in the sale of financial products. HR 4872-The Health Care and Education Affordability Reconciliation Act of 2010, provisions related to an increase in taxes on unearned income, including 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 lifetime income disclosure. 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, Senate legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance, investor protection, and consumer protection.

Client expense: $102,161 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services reform. S 1297-Retirement Security for Life Act, legislation to provide for a tax incentive for non-qualified annuities. HR 2748-Retirement Security Need Lifetime Pay Act, legislation to provide tax incentives for qualified and non-qualified annuities. S 1661-Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading or fraudulent marketing practices in the sale of financial products. HR 4872-The Health Care and Education Affordability Reconciliation Act of 2010, provisions related to an increase in taxes on unearned income, including 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 lifetime income disclosure. HR 4742, SAVE Act, legislation HR 4742, legislation to simplify SIMPLE IRAs and provides for voluntary Auto-IRAs. 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, Senate legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance, investor protection, and consumer protection.

Client expense: $102,161 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services reform. S 1297-Retirement Security for Life Act, legislation to provide for a tax incentive for non-qualified annuities. HR 2748-Retirement Security Need Lifetime Pay Act, legislation to provide tax incentives for qualified and non-qualified annuities. S 1661-Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading or fraudulent marketing practices in the sale of financial products. HR 4872-The Health Care and Education Affordability Reconciliation Act of 2010, provisions related to an increase in taxes on unearned income, including 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 lifetime income disclosure. HR 4742, SAVE Act, legislation HR 4742, legislation to simplify SIMPLE IRAs and provides for voluntary Auto-IRAs. S 3217, Senate legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance, investor protection, and consumer protection. Proposal by the Department of Treasury for some form of auto-annuitization to allow for a portion of an individuals retirement funds to be automatically distributed into a guaranteed lifetime income product for a two year trial period.

Client expense: $102,161 · Firm income: Not reported

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

H.R. 519: ELDER CAREGIVER SUPPORT AND INFORMATION ENHANCEMENT ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE INFORMATION CLEARINGHOUSE HR 1721/S. 697: COMMUNITY LIVING ASSISTANCE SERVICES AND SUPPORTS ACT; PROVISIONS RELATED TO REFORM OF LONG TERM CARE FINANCING H.R. 1961: SAVINGS FOR AMERICAN FAMILIES FUTURE ACT OF 2009; PROVISIONS RELATED TO SAVERS' CREDIT H.R.1984: 401(K) FAIR DISCLOSURE FOR RETIREMENT SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 1988: CONFLICTED INVESTMENT ADVICE PROHIBITION ACT OF 2009; PROVISIONS RELATED TO INVESTMENT ADVICE H.R. 2021: SAVINGS RECOVERY ACT OF 2009; PROVISIONS RELATED TO SAVERS CREDIT HR 2096/S 702: LONG TERM CARE AFFORDABILITY AND SECURITY ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE IN CAFETERIA PLANS AND FLEXIBLE SPENDING ARRANGEMENTS H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO CLARIFICATION FOR FIXED ANNUITIES REGULATION H.R. 2748: RETIREMENT SECURITY NEEDS LIFETIME PAY ACT OF 2009; PROVISIONS RELATED TO TAX INCENTIVES FOR ANNUITIES H.R. 2779: DEFINED CONTRIBUTION PLAN FEE TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE H.R. 2792: RETIREMENT SAVINGS TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO PLAN FEE DISCLOSURE H.R. 2989: 401 (K) FAIR DISCLOSURE AND PENSION SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 3551 /S. 1661/S. 906: SENIOR INVESTMENT PROTECTION ACT OF 2009; PROVISIONS RELATED TO PRODUCT SALES TO SENIORS, AND ANNUITIES SALES H.R. 3590: THE PATIENT PROTECTION AND AFFORDABLE CARE ACT; PROVISIONS RELATED TO LONG TERM CARE AND SUPPLEMENTAL PRODUCTS FINANCING, ANDMEDICARE TAX ON NONQUALIFIED ANNUITY INCOME H.R. 4126: RETIREMENT FAIRNESS ACT OF 2009; PROVISIONS RELATED TO MODIFICATION OF 401(K) PLAN RULES H.R. 4173: WALL STREET REFORM AND CONSUMER PROTECTION ACT OF 2009; PROVISIONS RELATED TO THE EXCLUSION OF RETIREMENT BENEFITS FROM CONSUMER FINANCIAL PROTECTION AGENCY, SUITIBILITY OF INSURANCE PRODUCT SALES TO SENIORS, AND SALE OF ANNUITIES H.R. 4626: HEALTH INSURANCE INDUSTRY FAIR COMPETITION ACT; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) H.R. 4742: SMALL BUSINESSES ADD VALUE FOR EMPLOYEES ACT OF 2009; PROVISIONS RELATED TO FOR SIMPLIFICATION OF SIMPLE IRAS, AND VOLUNTARY AUTO IRAS H.R. 4872: HEALTH CARE AND EDUCATION RECONCILIATION ACT OF 2010; PROVISIONS RELATED TO LONG TERM CARE FINANCING WITHING HEALTH CARE REFORM, AND UNEARNED INCOME TAXATION S. 401: DEFINED CONTRIBUTION FEE DISCLOSURE ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE S. 1177: CONFIDENCE IN LONG TERM CARE INSURANCE ACT OF 2009; PROVISIONS RELATED TO CONSUMER PROTECTION IN LONG TERM CARE S. 1226: LONG TERM CARE INSURANCE INTEGRITY ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE S. 1297: RETIREMENT SECURITY FOR LIFE ACT OF 2009; PROVISIONS RELATED TO NON-QUALIFIED ANNUITIES TAX INCENTIVES S.1636: LONG TERM CARE INSURANCE CONSUMER RIGHT-TO-KNOW ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE CONSUMER PROTECTIONS S. 2832: LIFETIME INCOME DISCLOSURE ACT; PROVISIONS RELATED TO ANNUITY ILLUSTRATION ON BENEFIT STATEMENTS S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010; PROVISIONS RELATED TO SENIOR INVESTOR PROTECTION ACT, AND EMPLOYER BENEFIT PLANS WITHIN CONSUMER FINANCIAL PROTECTION BUREAU

Client expense: $1,020,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 519: ELDER CAREGIVER SUPPORT AND INFORMATION ENHANCEMENT ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE INFORMATION CLEARINGHOUSE HR 1721/S. 697: COMMUNITY LIVING ASSISTANCE SERVICES AND SUPPORTS ACT; PROVISIONS RELATED TO REFORM OF LONG TERM CARE FINANCING H.R. 1961: SAVINGS FOR AMERICAN FAMILIES FUTURE ACT OF 2009; PROVISIONS RELATED TO SAVERS' CREDIT H.R.1984: 401(K) FAIR DISCLOSURE FOR RETIREMENT SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 1988: CONFLICTED INVESTMENT ADVICE PROHIBITION ACT OF 2009; PROVISIONS RELATED TO INVESTMENT ADVICE H.R. 2021: SAVINGS RECOVERY ACT OF 2009; PROVISIONS RELATED TO SAVERS CREDIT HR 2096/S 702: LONG TERM CARE AFFORDABILITY AND SECURITY ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE IN CAFETERIA PLANS AND FLEXIBLE SPENDING ARRANGEMENTS H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO CLARIFICATION FOR FIXED ANNUITIES REGULATION H.R. 2748: RETIREMENT SECURITY NEEDS LIFETIME PAY ACT OF 2009; PROVISIONS RELATED TO TAX INCENTIVES FOR ANNUITIES H.R. 2779: DEFINED CONTRIBUTION PLAN FEE TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE H.R. 2792: RETIREMENT SAVINGS TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO PLAN FEE DISCLOSURE H.R. 2989: 401 (K) FAIR DISCLOSURE AND PENSION SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 3551 /S. 1661/S. 906: SENIOR INVESTMENT PROTECTION ACT OF 2009; PROVISIONS RELATED TO PRODUCT SALES TO SENIORS, AND ANNUITIES SALES H.R. 3590: THE PATIENT PROTECTION AND AFFORDABLE CARE ACT; PROVISIONS RELATED TO LONG TERM CARE AND SUPPLEMENTAL PRODUCTS FINANCING, ANDMEDICARE TAX ON NONQUALIFIED ANNUITY INCOME H.R. 4126: RETIREMENT FAIRNESS ACT OF 2009; PROVISIONS RELATED TO MODIFICATION OF 401(K) PLAN RULES H.R. 4173: WALL STREET REFORM AND CONSUMER PROTECTION ACT OF 2009; PROVISIONS RELATED TO THE EXCLUSION OF RETIREMENT BENEFITS FROM CONSUMER FINANCIAL PROTECTION AGENCY, SUITIBILITY OF INSURANCE PRODUCT SALES TO SENIORS, AND SALE OF ANNUITIES H.R. 4626: HEALTH INSURANCE INDUSTRY FAIR COMPETITION ACT; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) H.R. 4742: SMALL BUSINESSES ADD VALUE FOR EMPLOYEES ACT OF 2009; PROVISIONS RELATED TO FOR SIMPLIFICATION OF SIMPLE IRAS, AND VOLUNTARY AUTO IRAS H.R. 4872: HEALTH CARE AND EDUCATION RECONCILIATION ACT OF 2010; PROVISIONS RELATED TO LONG TERM CARE FINANCING WITHING HEALTH CARE REFORM, AND UNEARNED INCOME TAXATION S. 401: DEFINED CONTRIBUTION FEE DISCLOSURE ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE S. 1177: CONFIDENCE IN LONG TERM CARE INSURANCE ACT OF 2009; PROVISIONS RELATED TO CONSUMER PROTECTION IN LONG TERM CARE S. 1226: LONG TERM CARE INSURANCE INTEGRITY ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE S. 1297: RETIREMENT SECURITY FOR LIFE ACT OF 2009; PROVISIONS RELATED TO NON-QUALIFIED ANNUITIES TAX INCENTIVES S.1636: LONG TERM CARE INSURANCE CONSUMER RIGHT-TO-KNOW ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE CONSUMER PROTECTIONS S. 2832: LIFETIME INCOME DISCLOSURE ACT; PROVISIONS RELATED TO ANNUITY ILLUSTRATION ON BENEFIT STATEMENTS S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010; PROVISIONS RELATED TO SENIOR INVESTOR PROTECTION ACT, AND EMPLOYER BENEFIT PLANS WITHIN CONSUMER FINANCIAL PROTECTION BUREAU

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 710 To secure additional Tier I capital for the U.S. banking system from parties other than the federal government by providing authority to the secretary of the treasury to guaranty certain new preferred stock investments made by public pensions acting in a collective fashion, and for other purposes HR 977 To amend the Commodity Exchange Act to bring greater transparency and accountability to commodity markets, and for other purposes. HR 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.2221: To protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for nationwide notice in the event of a security breach. HR. 3126: Establishment of the Consumer Financial Protection Agency H.R. 3269: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation and to prevent perverse incentives in the compensation practices of financial institutions HR. 3310: To reform the financial regulatory system of the United States, and for other purposes H.R.3817: To provide the Securities and Exchange Commission with additional authorities to protect investors from violations of the securities laws H.R.3996 To improve financial stability H.R. 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, executive compensation S 272 A bill to amend the Commodity Exchange Act to ensure that all agreements, contracts, and transactions with respect to commodities are carried out on a regulated exchange, and for other purposes. S 344 A bill to require hedge funds to register with the Securities and Exchange Commission, and for other purposes S 356 A bill to amend the Bank Holding Company Act of 1956 and the Revised Statutes of the United States to prohibit financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities, and for other purposes. S 605 A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities. S. 961 to authorize the regulation of credit default swaps and other swap agreements, and for other purposes S. 1006 to require a supermajority shareholder vote to approve excessive compensation of any employee of a publicly-traded company S. 1074 to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives S. 1276 A bill to require investment advisers to private funds, including hedge funds, private equity funds, venture capital funds, and others to register with the Securities and Exchange Commission, and for other purposes. S.1661: A bill to protect older Americans from misleading and fraudulent marketing practices, with the goal of increasing retirement security. S. 3149 to amend the Internal Revenue Code of 1986 to limit certain executive compensation paid by systemically significant financial institutions S 3217 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 - regulatory reform

Client expense: $1,050,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 1961 - Savings for American Families' Future Act of 2009; entire bill H.R. 2021 - Savings Recovery Act; entire bill H.R. 2096 - Long-Term Care Affordability and Security Act of 2009; entire bill H.R. 2748 - Retirement Security Needs Lifetime Pay Act; entire bill H.R. 2779 Defined Contribution Plan Fee Transparency Act; provisions relating to fee disclosure H.R. 2989 - 401(k) Fair Disclosure and Pension Security Act of 2009; provisions relating to fee disclosures and investment advice H.R. 3429 - Generate Retirement Ownership Through Long-Term Holding Act of 2009; entire bill H.R. 3936 Preserve Benefits and Jobs Act of 2009; provisions relating to employer-provided pension plans and retirement savings H.R. 4213 American Worker, State, and Business Relief Act; possible inclusion of provisions relating to fee disclosure H.R. 4126 - Retirement Fairness Act of 2009; entire bill H.R. 4146 - Sensible Transparency for Retirement Plans Act of 2009; entire bill H.R. 4742 Small Businesses Add Value for Employees (SAVE) Act; entire bill S. 401 - Defined Contribution Fee Disclosure Act of 2009; entire bill S. 702 - Long-Term Care Affordability and Security Act of 2009; entire bill S. 906 - Senior Investor Protection Act; entire bill S. 1082 - The Generating Retirement Ownership Through Long-Term Holding Act; entire bill S. 1297 - Retirement Security for Life Act; entire bill S. 1661 - Senior Investment Protection Act of 2009; entire bill S. 2832 Lifetime Income Disclosure Act; entire bill Administrations Budget provisions relating to Auto IRA proposal

Client expense: $700,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation and rulemakings affecting annuities, variable life products, and retirement savings including Administration and Congressional proposals on financial services regulatory reform. S. 1297-Retirement Security for Life Act, legislation to provide a tax incentive for non-qualified annuities. HR 2748-Retirement Security Need Lifetime Pay Act, legislation to provide tax incentives for qualified and non-qualified annuities. S 1661-Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading or fraudulent marketing practices in the sale of financial products. HR 4872-The Health Care and Education Affordability Reconciliation Act of 2010, provisions related to an increase in taxes on unearned income, including 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 lifetime income disclosure. 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, Senate legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance, investor protection, and consumer protection.

Client expense: $102,161 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services reform. S 1297-Retirement Security for Life Act, legislation to provide for a tax incentive for non-qualified annuities. HR 2748-Retirement Security Need Lifetime Pay Act, legislation to provide tax incentives for qualified and non-qualified annuities. S 1661-Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading or fraudulent marketing practices in the sale of financial products. HR 4872-The Health Care and Education Affordability Reconciliation Act of 2010, provisions related to an increase in taxes on unearned income, including 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 lifetime income disclosure. HR 4742, SAVE Act, legislation HR 4742, legislation to simplify SIMPLE IRAs and provides for voluntary Auto-IRAs. S 3217, Senate legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance, investor protection, and consumer protection. Proposal by the Department of Treasury for some form of auto-annuitization to allow for a portion of an individuals retirement funds to be automatically distributed into a guaranteed lifetime income product for a two year trial period.

Client expense: $102,161 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services reform. S 1297-Retirement Security for Life Act, legislation to provide for a tax incentive for non-qualified annuities. HR 2748-Retirement Security Need Lifetime Pay Act, legislation to provide tax incentives for qualified and non-qualified annuities. S 1661-Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading or fraudulent marketing practices in the sale of financial products. HR 4872-The Health Care and Education Affordability Reconciliation Act of 2010, provisions related to an increase in taxes on unearned income, including 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 lifetime income disclosure. HR 4742, SAVE Act, legislation HR 4742, legislation to simplify SIMPLE IRAs and provides for voluntary Auto-IRAs. 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, Senate legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance, investor protection, and consumer protection.

Client expense: $102,161 · Firm income: Not reported

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

H.R. 3232/S. 1661: The Travel Promotion Act S. 1023/H.R. 2935/H.R. 1035: The Travel Promotion Act of 2009 S. 428/H.R. 874: A bill to allow travel between the United States and Cuba H.R. 4645:To remove obstacles to U.S. Agriculture sales to Cuba and to end travel restrictions on all Americans to Cuba

Client expense: $305,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, White House Office

See attachment.. RET First Quarter Report 2010 H.R. 519 The Elder Caregiver Support and Information Enhancement Act of 2009. Issue: LTC additional appropriations for LTC Information clearinghouse. H.R. 1961 - Savings for American Families Future Act Issue: savers' credit H.R. 1984 - 401(k) Fair Disclosure for Retirement Security Act of 2009. Issue: Retirement plan fee disclosure. H.R. 1988 Conflicted Investment Advice Prohibition Act of 2009. Issue: Investment Advice. H.R. 2021 Savings Recovery Act of 2009. Issue: Savers credit. H.R. 2733/S. 1389 Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Issue: Clarify exemption for fixed indexed annuities. H.R. 2748 Retirement Security Needs Lifetime Pay Act of 2009. Issue: Tax Incentive for Annuities. H.R. 2779 Defined Contribution Plan Fee Transparency Act of 2009. Issue: 401(k) Plan Fee Disclosure. H.R. 2792 Retirement Savings Transparency Act. Issue: Plan fee disclosure. H.R. 2989 401 (K) Fair Disclosure and Pension Security Act of 2009. Issue: Retirement Plan Fee Disclosure H.R. 3590-The Patient Protection and Affordable Care Act. Issue: Long Term Care financing within heath reform and Medicare tax on nonqualified annuity income. H. R. 4126 Retirement Fairness Act. Issue: Modification of 401(k) Plan Rules. H. R. 4173 Wall Street Reform and Consumer Protection Act. Issue: Exclusion of retirement plans from CFPA and suitability in insurance product sales to seniors and sales of annuities. H.R. 4626 - Health Insurance Industry Fair Competition Act. Issue: Amends the McCarran-Ferguson Act to apply to the business of health insurance. H.R. 4742 - SAVE Act. Issue: simplifies SIMPLE IRAs and provides for voluntary Auto IRAs. H.R. 4872 Health Care and Education Reconciliation Act of 2010. Issue: LTC financing within health reform and unearned income tax. S. 401 - Defined Contribution Fee Disclosure Act Issue: 401(k) fee disclosure S. 697/ HR 1721 Community Living Assistance Services and Supports Act. Issue: reform of LTC financing. S 702/ HR 2096 - Long Term Care Affordability and Security Act of 2009. Issue: allows long term care insurance to be offered in employer sponsored cafeteria plans and FSA. S. 1177 - Confidence in Long Term Care Insurance Act of 2009. Issue: Consumer protection for long term care. S. 1226: Long Term Care Insurance Integrity Act of 2009. Issue: Long Term Care. S. 1297 - Retirement Security for Life Act. Issue: Tax Incentive for Non Qualified Annuities. S. 1636 Long Term Care Insurance Consumer Right-To-Know Act of 2009. Issue: Long Term Care consumer protections. S. 1661/S. 906/H.R. 3551 Senior Investment Protection Act of 2009. Issue: Suitability in insurance product sales to seniors and the sale of annuities. S. 2832 Lifetime Income Disclosure Act. Issue: Annuity illustration on benefit statements. S._____ - Restoring American Financial Stability Act. Issue: incorporates Senior Investor Protection Act and provides for employer benefit plan carve out from CFPB.

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

Government targets: HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

S. 1297 Retirement Security for Life Act. Issue: Tax Incentive for Non Qualified Annuities. H.R. 2748 Retirement Security Needs Lifetime Pay Act of 2009. Issue: Tax Incentive for Annuities. H.R. 1988 Conflicted Investment Advice Prohibition Act of 2009. Issue: Investment Advice. H.R.1984 - 401(k) Fair Disclosure for Retirement Security Act of 2009. Issue: Retirement plan fee disclosure. H.R. 2989 401 (K) Fair Disclosure and Pension Security Act of 2009. Issue: Retirement Plan Fee Disclosure S. 697/ HR 1721 Community Living Assistance Services and Supports Act. Issue: reform of LTC financing. H.R. 519 The Elder Caregiver Support and Information Enhancement Act of 2009. Issue: LTC additional appropriations for LTC Information clearinghouse. H.R. 1961 - Savings for American Families Future Act Issue: savers' credit S. 401 - Defined Contribution Fee Disclosure Act Issue: 401(k) fee disclosure H.R. 2021 Savings Recovery Act of 2009. Issue: Savers credit. H.R. 2792 Retirement Savings Transparency Act. Issue: Plan fee disclosure. H.R. 2733/S. 1389 Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Issue: Clarify exemption for fixed indexed annuities. S 702/ HR 2096 Long Term Care Affordability and Security Act of 2009. Issue: allows long term care insurance to be offered in employer sponsored cafeteria plans and FSA. S. 1177 Confidence in Long Term Care Insurance Act of 2009. Issue: Consumer protection for long term care. S. 1226: Long Term Care Insurance Integrity Act of 2009. Issue: Long Term Care. S. 1636 Long Term Care Insurance Consumer Right-To-Know Act of 2009. Issue: Long Term Care consumer protections. S. 1661/S. 906/H.R. 3551 Senior Investment Protection Act of 2009. Issue: Suitability in insurance product sales to seniors and the sale of annuities. H.R. 2779 Defined Contribution Plan Fee Transparency Act of 2009. Issue: 401(k) Plan Fee Disclosure. S. 2832 Lifetime Income Disclosure Act. Issue: Annuity illustration on benefit statements. H. R. 4126 Retirement Fairness Act. Issue: Modification of 401(k) Plan Rules. H. R. 4173 Wall Street Reform and Consumer Protection Act. Issue: Exclusion of retirement plans from CFPA and suitability in insurance product sales to seniors and sales of annuities. H.R. 3590-The Patient Protection and Affordable Care Act. Issue: Long Term Care financing within heath reform and Medicare tax on nonqualified annuity income. H.R. 4872 Health Care and Education Reconciliation Act of 2010. Issue: LTC financing within health reform and unearned income tax. H.R. 4626 - Health Insurance Industry Fair Competition Act. Issue: Amends the McCarran-Ferguson Act to apply to the business of health insurance. H.R. 4742 - SAVE Act. Issue: simplifies SIMPLE IRAs and provides for voluntary Auto IRAs. S._____ - Restoring American Financial Stability Act. Issue: incorporates Senior Investor Protection Act and provides for employer benefit plan carve out from CFPB.

Client expense: $1,470,836 · Firm income: Not reported

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

H.R. 1- Economic Recovery Act, H.R. 3232/S.1661 - Travel Promotion Act, H.R. 683/S. 31/S. 33 - Amendment of Internal Revenue Code of 1986 with respect to proper tax treatment of certian indebtedness discharged in 2009 and 2010 and for other purposes.

Client expense: $376,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Interior, Dept of (DOI), SENATE, White House Office

S. 1297 Retirement Security for Life Act. Issue: Tax Incentive for Non Qualified Annuities. H.R. 2748 Retirement Security Needs Lifetime Pay Act of 2009. Issue: Tax Incentive for Annuities. H.R. 1988 Conflicted Investment Advice Prohibition Act of 2009. Issue: Investment Advice. H.R.1984 - 401(k) Fair Disclosure for Retirement Security Act of 2009. Issue: Retirement plan fee disclosure. H.R. 2989 401 (K) Fair Disclosure and Pension Security Act of 2009. Issue: Retirement Plan Fee Disclosure S. 697/ HR 1721 Community Living Assistance Services and Supports Act. Issue: reform of LTC financing. H.R. 897 The Long Term Care and Retirement Security Act of 2009. Issue: LTC in cafeteria and FSA and above the line deductions for LTC premiums. S. 434 Empowered at Home Act of 2009. Issue: Allows above the line tax deduction for LTC premiums. Allows LTC to be offered in cafeteria/ FSA plans. S. 391 Healthy Americans Act. Issue: private health insurance including LTC. H.R. 519 The Elder Caregiver Support and Information Enhancement Act of 2009. Issue: LTC additional appropriations for LTC Information clearinghouse. H.R. 1961 - Savings for American Families Future Act Issue: savers' credit S. 401 - Defined Contribution Fee Disclosure Act Issue: 401(k) fee disclosure H.R. 2021 Savings Recovery Act of 2009. Issue: Savers credit. H.R. 2792 Retirement Savings Transparency Act. Issue: Plan fee disclosure. H.R. 2733/S. 1389 Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Issue: Clarify exemption for fixed indexed annuities. S 702/ HR 2096 Long Term Care Affordability and Security Act of 2009. Issue: allows long term care insurance to be offered in employer sponsored cafeteria plans and FSA. S. 1679, Affordable Health Choices Act. Issue: Long Term Care financing with in health reform. S. 1177 Confidence in Long Term Care Insurance Act of 2009. Issue: Consumer protection for long term care. H.R. 3200: Americas Affordable Health Choices Act of 2009. Issue: Long Term Care financing within health reform. S. _______: Americas Healthy Future Act. Issue: Long Term Care financing within heath reform. No bill number yet. S. 1226: Long Term Care Insurance Integrity Act of 2009. Issue: Long Term Care. S. 1636 Long Term Care Insurance Consumer Right-To-Know Act of 2009. Issue: Long Term Care consumer protections. S. 1661/S. 906/H.R. 3551 Senior Investment Protection Act of 2009. Issue: Suitability in insurance product sales to seniors and the sale of annuities. H.R. 2779 Defined Contribution Plan Fee Transparency Act of 2009. Issue: 401(k) Plan Fee Disclosure.

Client expense: $1,760,318 · 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 services regulatory reform. 1297-Retired 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 3126 Consumer Financial Protection Agency Act of 2009, legislation to establish the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer products an services. HR 2609-legislation to establish an Office of Insurance Information within the Department of Treasury. S 1661 Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marking practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 2554-legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. 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 lifetime income disclosure. HR 4173, The Wall Street Reform and Consumer Protection Act of 2009, legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance issues.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services regulatory reform. 1297-Retired 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 3126 Consumer Financial Protection Agency Act of 2009, legislation to establish the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer products an services. HR 2609-legislation to establish an Office of Insurance Information within the Department of Treasury. S 1661 Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marking practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 2554-legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. 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 lifetime income disclosure. HR 4173, The Wall Street Reform and Consumer Protection Act of 2009, legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance issues. Proposal with the Department of Treasury for some form of "auto-annuitization" to allow for a portion of an individual's retirement funds to be automatically distributed into a guaranteed lifetime income product for a two year trial period.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services regulatory reform. 1297-Retired 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 3126 Consumer Financial Protection Agency Act of 2009, legislation to establish the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer products an services. HR 2609-legislation to establish an Office of Insurance Information within the Department of Treasury. S 1661 Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marking practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 2554-legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. 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 lifetime income disclosure. HR 4173, The Wall Street Reform and Consumer Protection Act of 2009, legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance issues.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services regulatory reform. 1297-Retired 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 3126 Consumer Financial Protection Agency Act of 2009, legislation to establish the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer products an services. HR 2609-legislation to establish an Office of Insurance Information within the Department of Treasury. S 1661 Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marking practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 2554-legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. 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 lifetime income disclosure. HR 4173, The Wall Street Reform and Consumer Protection Act of 2009, legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance issues. Proposal with the Department of Treasury for some form of "auto-annuitization" to allow for a portion of an individual's retirement funds to be automatically distributed into a guaranteed lifetime income product for a two year trial period.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services regulatory reform. 1297-Retired 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 3126 Consumer Financial Protection Agency Act of 2009, legislation to establish the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer products an services. HR 2609-legislation to establish an Office of Insurance Information within the Department of Treasury. S 1661 Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marking practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 2554-legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. 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 lifetime income disclosure. HR 4173, The Wall Street Reform and Consumer Protection Act of 2009, legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance issues.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services regulatory reform. 1297-Retired 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 3126 Consumer Financial Protection Agency Act of 2009, legislation to establish the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer products an services. HR 2609-legislation to establish an Office of Insurance Information within the Department of Treasury. S 1661 Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marking practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 2554-legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. 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 lifetime income disclosure. HR 4173, The Wall Street Reform and Consumer Protection Act of 2009, legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance issues.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services regulatory reform. 1297-Retired 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 3126 Consumer Financial Protection Agency Act of 2009, legislation to establish the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer products an services. HR 2609-legislation to establish an Office of Insurance Information within the Department of Treasury. S 1661 Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marking practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 2554-legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. 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 lifetime income disclosure. HR 4173, The Wall Street Reform and Consumer Protection Act of 2009, legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance issues.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services regulatory reform. 1297-Retired 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 3126 Consumer Financial Protection Agency Act of 2009, legislation to establish the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer products an services. HR 2609-legislation to establish an Office of Insurance Information within the Department of Treasury. S 1661 Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marking practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 2554-legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. 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 lifetime income disclosure. HR 4173, The Wall Street Reform and Consumer Protection Act of 2009, legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance issues. Proposal with the Department of Treasury for some form of "auto-annuitization" to allow for a portion of an individual's retirement funds to be automatically distributed into a guaranteed lifetime income product for a two year trial period.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services regulatory reform. 1297-Retired 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 3126 Consumer Financial Protection Agency Act of 2009, legislation to establish the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer products an services. HR 2609-legislation to establish an Office of Insurance Information within the Department of Treasury. S 1661 Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marking practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 2554-legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. 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 lifetime income disclosure. HR 4173, The Wall Street Reform and Consumer Protection Act of 2009, legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance issues.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services regulatory reform. 1297-Retired 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 3126 Consumer Financial Protection Agency Act of 2009, legislation to establish the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer products an services. HR 2609-legislation to establish an Office of Insurance Information within the Department of Treasury. S 1661 Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marking practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 2554-legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. 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 lifetime income disclosure. HR 4173, The Wall Street Reform and Consumer Protection Act of 2009, legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance issues.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services regulatory reform. 1297-Retired 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 3126 Consumer Financial Protection Agency Act of 2009, legislation to establish the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer products an services. HR 2609-legislation to establish an Office of Insurance Information within the Department of Treasury. S 1661 Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marking practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 2554-legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. 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 lifetime income disclosure. HR 4173, The Wall Street Reform and Consumer Protection Act of 2009, legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance issues.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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 services regulatory reform. 1297-Retired 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 3126 Consumer Financial Protection Agency Act of 2009, legislation to establish the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer products an services. HR 2609-legislation to establish an Office of Insurance Information within the Department of Treasury. S 1661 Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marking practices in the sale of financial products. HR 3551, Senior Investment Protection Act, legislation to protect older Americans from misleading and fraudulent marketing practices in the sale of financial products. HR 2554-legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. 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 lifetime income disclosure. HR 4173, The Wall Street Reform and Consumer Protection Act of 2009, legislation to provide for comprehensive financial regulatory reform including enhancements of the federal understanding of insurance issues. Proposal with the Department of Treasury for some form of "auto-annuitization" to allow for a portion of an individual's retirement funds to be automatically distributed into a guaranteed lifetime income product for a two year trial period.

Client expense: $100,000 · Firm income: Not reported

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