mr PATRICK LA VECK jr

Financial Services Regulatory Reform: Lobby for favorable implementation of H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection Act regarding insurers, including a resolution fund for failing firms, and the treatment of insurers under the "Volcker rule" ban on proprietary trading and investment in hedge and private equity funds. Also, followed inclusion of section to create a Federal insurance Office at Treasury including the appointment of that office's Director. Along with trade associations, commented on notice of Proposed Rulemaking by the Financial Stability oversight Council for systemic risk regulation of nonbank firms. Also, lobby for robust and effective Federal insurance Office. Also, with key trade associations, worked on regulatory strategy for the implementation of Dodd-Frank. Annuities/Suitability: followed implementation of amendments to H.R. 4173 that helps confirm that fixed index annuities are insurance products to be regulated by states. Holocaust insurance issues/ICHEIC: Monitored the reintroduction of legislation that would allow a cause of action against U.S. Insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims in contravention of international agreements. Credit-based insurance scores: Monitor and lobbied possible reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Climate and energy legislation: Monitored White House, Department of Energy and Environmental Protection Agency "Better Buildings initiative." Monitored General Services Administration initiative on green buildings and related sustainable products. National Catastrophe/Flood Insurance: Track drafting reintroduction of national Flood Insurance Reform legislation. State Bankruptcy: Along with trade associations, monitor efforts by some members of Congress to allow states to file for bankruptcy protection. Broker-dealer regulatory reform/standard of care: Monitor Securities and Exchange Commission and Department of Labor rulemaking and investment advisors and the fiduciary duty standard. Annuities: Support H.R. 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173, The Wall Street Reform and Consumer Protection Act, that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. The final legislation passed the House in late June. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed annuities subject to federal securities laws. Lobbied for an amendment to H.R. 7173 that helps confirm that fixed index annuities are insurance products. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust, victims, in contravention of international agreements. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against legislation to create a national back stop for natural catastrophe insurance. Lobbied for H.R. 3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs, as well as the American Power Act in the Senate. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Also through consultants, lobbied for passage of "Home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for "Building Star" legislation, which would provide similar inventive's for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: support the continuing of state jurisdictions over fixed annuities: HR 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009, as well as an amendment to financial services reform based on this legislation. Agents and Brokers: support NARABII: HR2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

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

Financial Services Regulatory Reform: Lobby against certain provision in the Restoring American Financial Stability Act of 2010 that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Office of National Insurance. Also, monitored member positions in the House on H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009, which passed the House of Representatives in December. Long Term Care Insurance: through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in health care reform package. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose the inclusion of medical malpractice insurance in H.R. 4626, The Health Insurance Fair Competition Act, which would repeal the McCarran-Ferguson Act for health insurance. The McCarran-Ferguson Act provides insurers a limited exemption from federal antitrust law. Also oppose any similar efforts in the Senate. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the reintroduction of legislation to create a national back stop for natural catastrophe insurance. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American clean Energy and Security Act of 2009. Also, through consultants, lobbied for passage of"Home Star" legislation to provide incentives for residential energy effiency retrofits. Also, lobbied for "building Star" legislation, which would provide similar incentives for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal bond Insurance Enhancement Act of 2009, HR 25249, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009. Agents and Brokers: Support NARABII: H.R. 2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173, The Wall Street Reform and Consumer Protection Act, that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. The final legislation passed the House in late June. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed annuities subject to federal securities laws. Lobbied for an amendment to H.R. 7173 that helps confirm that fixed index annuities are insurance products. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust, victims, in contravention of international agreements. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against legislation to create a national back stop for natural catastrophe insurance. Lobbied for H.R. 3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs, as well as the American Power Act in the Senate. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Also through consultants, lobbied for passage of "Home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for "Building Star" legislation, which would provide similar inventive's for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: support the continuing of state jurisdictions over fixed annuities: HR 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009, as well as an amendment to financial services reform based on this legislation. Agents and Brokers: support NARABII: HR2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

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

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

Financial Services Regulatory Reform: Lobby against certain provision in the Restoring American Financial Stability Act of 2010 that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Office of National Insurance. Also, monitored member positions in the House on H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009, which passed the House of Representatives in December. Long Term Care Insurance: through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in health care reform package. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose the inclusion of medical malpractice insurance in H.R. 4626, The Health Insurance Fair Competition Act, which would repeal the McCarran-Ferguson Act for health insurance. The McCarran-Ferguson Act provides insurers a limited exemption from federal antitrust law. Also oppose any similar efforts in the Senate. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the reintroduction of legislation to create a national back stop for natural catastrophe insurance. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American clean Energy and Security Act of 2009. Also, through consultants, lobbied for passage of"Home Star" legislation to provide incentives for residential energy effiency retrofits. Also, lobbied for "building Star" legislation, which would provide similar incentives for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal bond Insurance Enhancement Act of 2009, HR 25249, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009. Agents and Brokers: Support NARABII: H.R. 2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

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

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

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173, The Wall Street Reform and Consumer Protection Act, that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. The final legislation passed the House in late June. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed annuities subject to federal securities laws. Lobbied for an amendment to H.R. 7173 that helps confirm that fixed index annuities are insurance products. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust, victims, in contravention of international agreements. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against legislation to create a national back stop for natural catastrophe insurance. Lobbied for H.R. 3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs, as well as the American Power Act in the Senate. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Also through consultants, lobbied for passage of "Home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for "Building Star" legislation, which would provide similar inventive's for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: support the continuing of state jurisdictions over fixed annuities: HR 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009, as well as an amendment to financial services reform based on this legislation. Agents and Brokers: support NARABII: HR2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

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

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

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173, The Wall Street Reform and Consumer Protection Act, that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. The final legislation passed the House in late June. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed annuities subject to federal securities laws. Lobbied for an amendment to H.R. 7173 that helps confirm that fixed index annuities are insurance products. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust, victims, in contravention of international agreements. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against legislation to create a national back stop for natural catastrophe insurance. Lobbied for H.R. 3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs, as well as the American Power Act in the Senate. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Also through consultants, lobbied for passage of "Home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for "Building Star" legislation, which would provide similar inventive's for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: support the continuing of state jurisdictions over fixed annuities: HR 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009, as well as an amendment to financial services reform based on this legislation. Agents and Brokers: support NARABII: HR2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Financial Services Regulatory Reform: Lobby against certain provision in the Restoring American Financial Stability Act of 2010 that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Office of National Insurance. Also, monitored member positions in the House on H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009, which passed the House of Representatives in December. Long Term Care Insurance: through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in health care reform package. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose the inclusion of medical malpractice insurance in H.R. 4626, The Health Insurance Fair Competition Act, which would repeal the McCarran-Ferguson Act for health insurance. The McCarran-Ferguson Act provides insurers a limited exemption from federal antitrust law. Also oppose any similar efforts in the Senate. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the reintroduction of legislation to create a national back stop for natural catastrophe insurance. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American clean Energy and Security Act of 2009. Also, through consultants, lobbied for passage of"Home Star" legislation to provide incentives for residential energy effiency retrofits. Also, lobbied for "building Star" legislation, which would provide similar incentives for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal bond Insurance Enhancement Act of 2009, HR 25249, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009. Agents and Brokers: Support NARABII: H.R. 2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173, The Wall Street Reform and Consumer Protection Act, that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. The final legislation passed the House in late June. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed annuities subject to federal securities laws. Lobbied for an amendment to H.R. 7173 that helps confirm that fixed index annuities are insurance products. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust, victims, in contravention of international agreements. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against legislation to create a national back stop for natural catastrophe insurance. Lobbied for H.R. 3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs, as well as the American Power Act in the Senate. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Also through consultants, lobbied for passage of "Home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for "Building Star" legislation, which would provide similar inventive's for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: support the continuing of state jurisdictions over fixed annuities: HR 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009, as well as an amendment to financial services reform based on this legislation. Agents and Brokers: support NARABII: HR2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Financial Services Regulatory Reform: Lobby against certain provision in the Restoring American Financial Stability Act of 2010 that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Office of National Insurance. Also, monitored member positions in the House on H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009, which passed the House of Representatives in December. Long Term Care Insurance: through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in health care reform package. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose the inclusion of medical malpractice insurance in H.R. 4626, The Health Insurance Fair Competition Act, which would repeal the McCarran-Ferguson Act for health insurance. The McCarran-Ferguson Act provides insurers a limited exemption from federal antitrust law. Also oppose any similar efforts in the Senate. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the reintroduction of legislation to create a national back stop for natural catastrophe insurance. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American clean Energy and Security Act of 2009. Also, through consultants, lobbied for passage of"Home Star" legislation to provide incentives for residential energy effiency retrofits. Also, lobbied for "building Star" legislation, which would provide similar incentives for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal bond Insurance Enhancement Act of 2009, HR 25249, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009. Agents and Brokers: Support NARABII: H.R. 2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

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

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173, The Wall Street Reform and Consumer Protection Act, that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. The final legislation passed the House in late June. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed annuities subject to federal securities laws. Lobbied for an amendment to H.R. 7173 that helps confirm that fixed index annuities are insurance products. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust, victims, in contravention of international agreements. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against legislation to create a national back stop for natural catastrophe insurance. Lobbied for H.R. 3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs, as well as the American Power Act in the Senate. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Also through consultants, lobbied for passage of "Home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for "Building Star" legislation, which would provide similar inventive's for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: support the continuing of state jurisdictions over fixed annuities: HR 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009, as well as an amendment to financial services reform based on this legislation. Agents and Brokers: support NARABII: HR2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Financial Services Regulatory Reform: Lobby against certain provision in the Restoring American Financial Stability Act of 2010 that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Office of National Insurance. Also, monitored member positions in the House on H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009, which passed the House of Representatives in December. Long Term Care Insurance: through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in health care reform package. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose the inclusion of medical malpractice insurance in H.R. 4626, The Health Insurance Fair Competition Act, which would repeal the McCarran-Ferguson Act for health insurance. The McCarran-Ferguson Act provides insurers a limited exemption from federal antitrust law. Also oppose any similar efforts in the Senate. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the reintroduction of legislation to create a national back stop for natural catastrophe insurance. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American clean Energy and Security Act of 2009. Also, through consultants, lobbied for passage of"Home Star" legislation to provide incentives for residential energy effiency retrofits. Also, lobbied for "building Star" legislation, which would provide similar incentives for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal bond Insurance Enhancement Act of 2009, HR 25249, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009. Agents and Brokers: Support NARABII: H.R. 2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

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

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

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

Financial Services Regulatory Reform: Lobby against certain provision in the Restoring American Financial Stability Act of 2010 that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Office of National Insurance. Also, monitored member positions in the House on H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009, which passed the House of Representatives in December. Long Term Care Insurance: through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in health care reform package. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose the inclusion of medical malpractice insurance in H.R. 4626, The Health Insurance Fair Competition Act, which would repeal the McCarran-Ferguson Act for health insurance. The McCarran-Ferguson Act provides insurers a limited exemption from federal antitrust law. Also oppose any similar efforts in the Senate. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the reintroduction of legislation to create a national back stop for natural catastrophe insurance. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American clean Energy and Security Act of 2009. Also, through consultants, lobbied for passage of"Home Star" legislation to provide incentives for residential energy effiency retrofits. Also, lobbied for "building Star" legislation, which would provide similar incentives for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal bond Insurance Enhancement Act of 2009, HR 25249, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009. Agents and Brokers: Support NARABII: H.R. 2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173, The Wall Street Reform and Consumer Protection Act, that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. The final legislation passed the House in late June. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed annuities subject to federal securities laws. Lobbied for an amendment to H.R. 7173 that helps confirm that fixed index annuities are insurance products. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust, victims, in contravention of international agreements. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against legislation to create a national back stop for natural catastrophe insurance. Lobbied for H.R. 3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs, as well as the American Power Act in the Senate. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Also through consultants, lobbied for passage of "Home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for "Building Star" legislation, which would provide similar inventive's for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: support the continuing of state jurisdictions over fixed annuities: HR 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009, as well as an amendment to financial services reform based on this legislation. Agents and Brokers: support NARABII: HR2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

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

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

Financial Services Regulatory Reform: Lobby against certain provision in the Restoring American Financial Stability Act of 2010 that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Office of National Insurance. Also, monitored member positions in the House on H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009, which passed the House of Representatives in December. Long Term Care Insurance: through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in health care reform package. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose the inclusion of medical malpractice insurance in H.R. 4626, The Health Insurance Fair Competition Act, which would repeal the McCarran-Ferguson Act for health insurance. The McCarran-Ferguson Act provides insurers a limited exemption from federal antitrust law. Also oppose any similar efforts in the Senate. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the reintroduction of legislation to create a national back stop for natural catastrophe insurance. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American clean Energy and Security Act of 2009. Also, through consultants, lobbied for passage of"Home Star" legislation to provide incentives for residential energy effiency retrofits. Also, lobbied for "building Star" legislation, which would provide similar incentives for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal bond Insurance Enhancement Act of 2009, HR 25249, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009. Agents and Brokers: Support NARABII: H.R. 2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173, The Wall Street Reform and Consumer Protection Act, that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. The final legislation passed the House in late June. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed annuities subject to federal securities laws. Lobbied for an amendment to H.R. 7173 that helps confirm that fixed index annuities are insurance products. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust, victims, in contravention of international agreements. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against legislation to create a national back stop for natural catastrophe insurance. Lobbied for H.R. 3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs, as well as the American Power Act in the Senate. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Also through consultants, lobbied for passage of "Home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for "Building Star" legislation, which would provide similar inventive's for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: support the continuing of state jurisdictions over fixed annuities: HR 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009, as well as an amendment to financial services reform based on this legislation. Agents and Brokers: support NARABII: HR2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

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

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173, The Wall Street Reform and Consumer Protection Act, that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. The final legislation passed the House in late June. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed annuities subject to federal securities laws. Lobbied for an amendment to H.R. 7173 that helps confirm that fixed index annuities are insurance products. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust, victims, in contravention of international agreements. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against legislation to create a national back stop for natural catastrophe insurance. Lobbied for H.R. 3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs, as well as the American Power Act in the Senate. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Also through consultants, lobbied for passage of "Home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for "Building Star" legislation, which would provide similar inventive's for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: support the continuing of state jurisdictions over fixed annuities: HR 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009, as well as an amendment to financial services reform based on this legislation. Agents and Brokers: support NARABII: HR2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Financial Services Regulatory Reform: Lobby against certain provision in the Restoring American Financial Stability Act of 2010 that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Office of National Insurance. Also, monitored member positions in the House on H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009, which passed the House of Representatives in December. Long Term Care Insurance: through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in health care reform package. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose the inclusion of medical malpractice insurance in H.R. 4626, The Health Insurance Fair Competition Act, which would repeal the McCarran-Ferguson Act for health insurance. The McCarran-Ferguson Act provides insurers a limited exemption from federal antitrust law. Also oppose any similar efforts in the Senate. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the reintroduction of legislation to create a national back stop for natural catastrophe insurance. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American clean Energy and Security Act of 2009. Also, through consultants, lobbied for passage of"Home Star" legislation to provide incentives for residential energy effiency retrofits. Also, lobbied for "building Star" legislation, which would provide similar incentives for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal bond Insurance Enhancement Act of 2009, HR 25249, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009. Agents and Brokers: Support NARABII: H.R. 2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173, The Wall Street Reform and Consumer Protection Act, that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. The final legislation passed the House in late June. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed annuities subject to federal securities laws. Lobbied for an amendment to H.R. 7173 that helps confirm that fixed index annuities are insurance products. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust, victims, in contravention of international agreements. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against legislation to create a national back stop for natural catastrophe insurance. Lobbied for H.R. 3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs, as well as the American Power Act in the Senate. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Also through consultants, lobbied for passage of "Home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for "Building Star" legislation, which would provide similar inventive's for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: support the continuing of state jurisdictions over fixed annuities: HR 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009, as well as an amendment to financial services reform based on this legislation. Agents and Brokers: support NARABII: HR2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Financial Services Regulatory Reform: Lobby against certain provision in the Restoring American Financial Stability Act of 2010 that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Office of National Insurance. Also, monitored member positions in the House on H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009, which passed the House of Representatives in December. Long Term Care Insurance: through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in health care reform package. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose the inclusion of medical malpractice insurance in H.R. 4626, The Health Insurance Fair Competition Act, which would repeal the McCarran-Ferguson Act for health insurance. The McCarran-Ferguson Act provides insurers a limited exemption from federal antitrust law. Also oppose any similar efforts in the Senate. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the reintroduction of legislation to create a national back stop for natural catastrophe insurance. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American clean Energy and Security Act of 2009. Also, through consultants, lobbied for passage of"Home Star" legislation to provide incentives for residential energy effiency retrofits. Also, lobbied for "building Star" legislation, which would provide similar incentives for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal bond Insurance Enhancement Act of 2009, HR 25249, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009. Agents and Brokers: Support NARABII: H.R. 2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

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

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173, The Wall Street Reform and Consumer Protection Act, that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. The final legislation passed the House in late June. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed annuities subject to federal securities laws. Lobbied for an amendment to H.R. 7173 that helps confirm that fixed index annuities are insurance products. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust, victims, in contravention of international agreements. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against legislation to create a national back stop for natural catastrophe insurance. Lobbied for H.R. 3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs, as well as the American Power Act in the Senate. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Also through consultants, lobbied for passage of "Home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for "Building Star" legislation, which would provide similar inventive's for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: support the continuing of state jurisdictions over fixed annuities: HR 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009, as well as an amendment to financial services reform based on this legislation. Agents and Brokers: support NARABII: HR2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Financial Services Regulatory Reform: Lobby against certain provision in the Restoring American Financial Stability Act of 2010 that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Office of National Insurance. Also, monitored member positions in the House on H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009, which passed the House of Representatives in December. Long Term Care Insurance: through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in health care reform package. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose the inclusion of medical malpractice insurance in H.R. 4626, The Health Insurance Fair Competition Act, which would repeal the McCarran-Ferguson Act for health insurance. The McCarran-Ferguson Act provides insurers a limited exemption from federal antitrust law. Also oppose any similar efforts in the Senate. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the reintroduction of legislation to create a national back stop for natural catastrophe insurance. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American clean Energy and Security Act of 2009. Also, through consultants, lobbied for passage of"Home Star" legislation to provide incentives for residential energy effiency retrofits. Also, lobbied for "building Star" legislation, which would provide similar incentives for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal bond Insurance Enhancement Act of 2009, HR 25249, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009. Agents and Brokers: Support NARABII: H.R. 2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Financial Services Regulatory Reform: Lobby against certain provision in the Restoring American Financial Stability Act of 2010 that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Office of National Insurance. Also, monitored member positions in the House on H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009, which passed the House of Representatives in December. Long Term Care Insurance: through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in health care reform package. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose the inclusion of medical malpractice insurance in H.R. 4626, The Health Insurance Fair Competition Act, which would repeal the McCarran-Ferguson Act for health insurance. The McCarran-Ferguson Act provides insurers a limited exemption from federal antitrust law. Also oppose any similar efforts in the Senate. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the reintroduction of legislation to create a national back stop for natural catastrophe insurance. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American clean Energy and Security Act of 2009. Also, through consultants, lobbied for passage of"Home Star" legislation to provide incentives for residential energy effiency retrofits. Also, lobbied for "building Star" legislation, which would provide similar incentives for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal bond Insurance Enhancement Act of 2009, HR 25249, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009. Agents and Brokers: Support NARABII: H.R. 2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Financial Services Regulatory Reform: Lobby against certain provision in the Restoring American Financial Stability Act of 2010 that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Office of National Insurance. Also, monitored member positions in the House on H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009, which passed the House of Representatives in December. Long Term Care Insurance: through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in health care reform package. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose the inclusion of medical malpractice insurance in H.R. 4626, The Health Insurance Fair Competition Act, which would repeal the McCarran-Ferguson Act for health insurance. The McCarran-Ferguson Act provides insurers a limited exemption from federal antitrust law. Also oppose any similar efforts in the Senate. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the reintroduction of legislation to create a national back stop for natural catastrophe insurance. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American clean Energy and Security Act of 2009. Also, through consultants, lobbied for passage of"Home Star" legislation to provide incentives for residential energy effiency retrofits. Also, lobbied for "building Star" legislation, which would provide similar incentives for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal bond Insurance Enhancement Act of 2009, HR 25249, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009. Agents and Brokers: Support NARABII: H.R. 2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

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

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173, The Wall Street Reform and Consumer Protection Act, that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. The final legislation passed the House in late June. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed annuities subject to federal securities laws. Lobbied for an amendment to H.R. 7173 that helps confirm that fixed index annuities are insurance products. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust, victims, in contravention of international agreements. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against legislation to create a national back stop for natural catastrophe insurance. Lobbied for H.R. 3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs, as well as the American Power Act in the Senate. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Also through consultants, lobbied for passage of "Home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for "Building Star" legislation, which would provide similar inventive's for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: support the continuing of state jurisdictions over fixed annuities: HR 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009, as well as an amendment to financial services reform based on this legislation. Agents and Brokers: support NARABII: HR2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

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

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173, The Wall Street Reform and Consumer Protection Act, that would affect insurers, including a resolution fund for failing firms. worked with other foreign owned U.S. Insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. The final legislation passed the House in late June. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed annuities subject to federal securities laws. Lobbied for an amendment to H.R. 7173 that helps confirm that fixed index annuities are insurance products. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would allow a cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust, victims, in contravention of international agreements. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to used credit information of underwriting or setting rates. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the national Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against legislation to create a national back stop for natural catastrophe insurance. Lobbied for H.R. 3026, H.R. 3027 and H.R. 3028 which funds insurance grants and loans for federal mitigation programs, as well as the American Power Act in the Senate. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Also through consultants, lobbied for passage of "Home Star" legislation to provide incentives for residential energy efficiency retrofits. Also, lobbied for "Building Star" legislation, which would provide similar inventive's for community building energy efficient retrofits. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, the Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act: and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: support the continuing of state jurisdictions over fixed annuities: HR 2733, Fixed Indexed Annuities and Insurance Products classification Act of 2009, as well as an amendment to financial services reform based on this legislation. Agents and Brokers: support NARABII: HR2554, the National Association of registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade association.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casuality and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optinal federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009".This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed-index annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information for underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CM'S), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and businesses against nat cat, in the stimulus bill. Also incorporated climate change arguments itno natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for Medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR.2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade associations.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "long-Term Care Affordability and Security Act of 2009". This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC.. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S. 886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR, 2057. support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed indexed annuities; H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: Hr 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime payment Act of 2009 and monitor through trade associations.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173. the Wall Street Reform and Consumer Protection Act of 2009 that would affect insurers, including a resolution fund for failing firms. Worked with other foreign owned U.S.insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose H.R. 1503, inclusion in health care legislation of the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National flood Insurance Program to include win insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted fireman's fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R.3027 and H.R. 33028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal blond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade assn.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "long-Term Care Affordability and Security Act of 2009". This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC.. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S. 886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR, 2057. support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed indexed annuities; H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: Hr 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime payment Act of 2009 and monitor through trade associations.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173. the Wall Street Reform and Consumer Protection Act of 2009 that would affect insurers, including a resolution fund for failing firms. Worked with other foreign owned U.S.insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose H.R. 1503, inclusion in health care legislation of the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National flood Insurance Program to include win insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted fireman's fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R.3027 and H.R. 33028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal blond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade assn.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casuality and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optinal federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009".This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed-index annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information for underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CM'S), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and businesses against nat cat, in the stimulus bill. Also incorporated climate change arguments itno natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for Medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR.2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade associations.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "long-Term Care Affordability and Security Act of 2009". This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC.. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S. 886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR, 2057. support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed indexed annuities; H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: Hr 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime payment Act of 2009 and monitor through trade associations.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173. the Wall Street Reform and Consumer Protection Act of 2009 that would affect insurers, including a resolution fund for failing firms. Worked with other foreign owned U.S.insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose H.R. 1503, inclusion in health care legislation of the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National flood Insurance Program to include win insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted fireman's fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R.3027 and H.R. 33028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal blond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade assn.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casuality and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optinal federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009".This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed-index annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information for underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CM'S), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and businesses against nat cat, in the stimulus bill. Also incorporated climate change arguments itno natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for Medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR.2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade associations.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for Medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR.2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade associations.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173. the Wall Street Reform and Consumer Protection Act of 2009 that would affect insurers, including a resolution fund for failing firms. Worked with other foreign owned U.S.insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose H.R. 1503, inclusion in health care legislation of the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National flood Insurance Program to include win insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted fireman's fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R.3027 and H.R. 33028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal blond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade assn.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173. the Wall Street Reform and Consumer Protection Act of 2009 that would affect insurers, including a resolution fund for failing firms. Worked with other foreign owned U.S.insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose H.R. 1503, inclusion in health care legislation of the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National flood Insurance Program to include win insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted fireman's fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R.3027 and H.R. 33028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal blond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade assn.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "long-Term Care Affordability and Security Act of 2009". This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC.. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S. 886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR, 2057. support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed indexed annuities; H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: Hr 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime payment Act of 2009 and monitor through trade associations.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for Medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR.2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade associations.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "long-Term Care Affordability and Security Act of 2009". This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC.. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S. 886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR, 2057. support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed indexed annuities; H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: Hr 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime payment Act of 2009 and monitor through trade associations.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for Medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR.2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade associations.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173. the Wall Street Reform and Consumer Protection Act of 2009 that would affect insurers, including a resolution fund for failing firms. Worked with other foreign owned U.S.insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose H.R. 1503, inclusion in health care legislation of the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National flood Insurance Program to include win insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted fireman's fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R.3027 and H.R. 33028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal blond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade assn.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "long-Term Care Affordability and Security Act of 2009". This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC.. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S. 886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR, 2057. support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed indexed annuities; H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: Hr 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime payment Act of 2009 and monitor through trade associations.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173. the Wall Street Reform and Consumer Protection Act of 2009 that would affect insurers, including a resolution fund for failing firms. Worked with other foreign owned U.S.insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose H.R. 1503, inclusion in health care legislation of the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National flood Insurance Program to include win insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted fireman's fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R.3027 and H.R. 33028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal blond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade assn.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for Medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR.2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade associations.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "long-Term Care Affordability and Security Act of 2009". This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC.. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S. 886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR, 2057. support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed indexed annuities; H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: Hr 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime payment Act of 2009 and monitor through trade associations.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for Medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR.2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade associations.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173. the Wall Street Reform and Consumer Protection Act of 2009 that would affect insurers, including a resolution fund for failing firms. Worked with other foreign owned U.S.insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose H.R. 1503, inclusion in health care legislation of the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National flood Insurance Program to include win insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted fireman's fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R.3027 and H.R. 33028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal blond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade assn.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "long-Term Care Affordability and Security Act of 2009". This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC.. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S. 886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR, 2057. support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed indexed annuities; H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: Hr 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime payment Act of 2009 and monitor through trade associations.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173. the Wall Street Reform and Consumer Protection Act of 2009 that would affect insurers, including a resolution fund for failing firms. Worked with other foreign owned U.S.insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose H.R. 1503, inclusion in health care legislation of the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National flood Insurance Program to include win insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted fireman's fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R.3027 and H.R. 33028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal blond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade assn.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for Medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR.2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade associations.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "long-Term Care Affordability and Security Act of 2009". This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC.. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S. 886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR, 2057. support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed indexed annuities; H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: Hr 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime payment Act of 2009 and monitor through trade associations.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for Medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR.2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade associations.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173. the Wall Street Reform and Consumer Protection Act of 2009 that would affect insurers, including a resolution fund for failing firms. Worked with other foreign owned U.S.insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose H.R. 1503, inclusion in health care legislation of the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National flood Insurance Program to include win insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted fireman's fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R.3027 and H.R. 33028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal blond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade assn.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173. the Wall Street Reform and Consumer Protection Act of 2009 that would affect insurers, including a resolution fund for failing firms. Worked with other foreign owned U.S.insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose H.R. 1503, inclusion in health care legislation of the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National flood Insurance Program to include win insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted fireman's fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R.3027 and H.R. 33028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal blond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade assn.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173. the Wall Street Reform and Consumer Protection Act of 2009 that would affect insurers, including a resolution fund for failing firms. Worked with other foreign owned U.S.insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose H.R. 1503, inclusion in health care legislation of the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National flood Insurance Program to include win insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted fireman's fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R.3027 and H.R. 33028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal blond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade assn.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173. the Wall Street Reform and Consumer Protection Act of 2009 that would affect insurers, including a resolution fund for failing firms. Worked with other foreign owned U.S.insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose H.R. 1503, inclusion in health care legislation of the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National flood Insurance Program to include win insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted fireman's fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R.3027 and H.R. 33028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal blond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade assn.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casuality and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optinal federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009".This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. this rule would make certain fixed-index annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information for underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CM'S), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and businesses against nat cat, in the stimulus bill. Also incorporated climate change arguments itno natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for Medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR.2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade associations.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "long-Term Care Affordability and Security Act of 2009". This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC.. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S. 886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR, 2057. support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed indexed annuities; H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: Hr 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime payment Act of 2009 and monitor through trade associations.

Financial Services Regulatory Reform: Lobby against certain provisions in H.R. 4173. the Wall Street Reform and Consumer Protection Act of 2009 that would affect insurers, including a resolution fund for failing firms. Worked with other foreign owned U.S.insurance companies to provide protection against potential discrimination against US affiliates. Also, lobby for robust and effective Federal Insurance Office. Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. McCarran-Ferguson Reform: follow and oppose H.R. 1503, inclusion in health care legislation of the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National flood Insurance Program to include win insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted fireman's fund green products with Congressional staff and S.886, the catastrophe Obligation Guarantee Act. Lobbied for H.R.3026, H.R.3027 and H.R. 33028 which funds insurance grants and loans for federal mitigation programs. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal blond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR 2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act and its inclusion in financial services reform legislation. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARABII: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade assn.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "Long-Term Care Affordability and Security Act of 2009." This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Work through trade association to oppose inclusion of Class Act, which would create a federal long-term care insurance program, in House and Senate healthcare reform legislation. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1990 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for Medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S.886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR.2057: support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed annuities: H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: H.R. 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime Payment Act of 2009 and monitor through trade associations.

Insurance Regulatory Reform: Advocate for favorable legislation affecting the regulation of property/casualty and life insurance, including H.R. 1880, the National Insurance Consumer Protection Act of 2009. This bill could create an optional federal charter for insurance. Long Term Care Insurance: through trade association, advocate in support of S.702, titled the "long-Term Care Affordability and Security Act of 2009". This bill would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Advocated against rule 151A, adapted by the U.S. Securities and Exchange Commission. Lobbied both Congress and the SEC.. This rule would make certain fixed annuities subject to federal securities laws. Holocaust insurance issues/ICHEIC: Lobbied against the possible reintroduction of legislation that would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill could also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against the reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Medicare secondary payer/workers compensation: Follow issue, including trade association meetings with the Centers for medicare and Medicaid Services (CMS), an agency of the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose H.R. 1503, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguson Act, which provides insurers a limited exemption from federal antitrust law. Flood and national catastrophe insurance: In participation with a coalition, lobbied House and Senate staff to oppose legislation that would expand the National Flood Insurance Program to include wind insurance, specifically H.R. 1264 the Multiple Peril Insurance Act of 2009. Also lobbied against the possible reintroduction of legislation to create a national back stop for national catastrophe insurance. Also lobbied for inclusion of funding for structure mitigation, to protect houses and business against nat cat, in the stimulus bill. Also incorporated climate change arguments into natural catastrophe insurance lobbying efforts and promoted Fireman's Fund green products with Congressional staff and S. 886, the Catastrophe Obligation Guarantee Act. Climate and energy legislation: Monitored the progress of HR 2454, the American Clean Energy and Security Act of 2009. Municipal bond legislation: Monitor municipal bond legislation, specifically HR 2589, Municipal Bond Insurance Enhancement Act of 2009, HR 2549, Municipal Bond Fairness Act, Municipal Bond Liquidity Act; and Municipal Financial Advisors Regulation Act. Right to Repair Act, HR, 2057. support for bill which would enhance consumers' ability to take automobiles to independent shops for repairs. Broker-dealer regulatory reform: Monitor financial regulatory reform as it relates to broker-dealer and their existing regulation under the Financial Industry Regulatory Authority (FINRA). Surplus insurance lines: Monitor progress and support HR 2571, the Nonadmitted and Reinsurance Reform Act. State jurisdiction over annuity products: Support the continuing of state jurisdiction over fixed indexed annuities; H.R. 2733, Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Agents and brokers: Support NARAB II: Hr 2554, the National Association of Registered Agents and Brokers Reform Act of 2009. Annuities: Support HR 2748, the Retirement Security Needs Lifetime payment Act of 2009 and monitor through trade associations.