RASHMI SUTTON

Money market guaranty program: follow creation of Treasury Department money market guaranty program after concern about the financial stability of the Reserve management Corporations Primary Fund. H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection Act: Follow implementatation of this legislation which would create a new systemic risk regulation for systemically-significant firms and a resolution mechanism for failing firms. The President signed it into law on July 21, 2010. Follow meetings and proposed rules of the Financial Stability Oversight Council (FSOC) and the establishment of the Federal Insurance Office and Consumer Financial Protection Bureau. Closely follow the FSOC's proposed rule to implement Sec. 113 of the Dodd-Frank Act, which would establish criteria for the designation of non-bank firms a s "systemically important financial institutions." Mark to market accounting: follow SEC and FASBE action regarding guidance and clarifications for mark to market accounting.

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 possible designation of insurers as systemically important by the Financial Stability Oversight Council. Also, followed inclusion of section to create a Federal Insurance Office at Treasury including the appointment of that office's Director, Also 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 reintroduction of National Flood Insurance Reform Legislation in the House, H.R. 1509. State Bankruptcy: Also 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.

H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection Act: Follow implementation of this legislation which would create a new systemic risk regulation for systemically-significant firms and a resolution mechanism for failing firms. Follow meetings and proposed rules of the Financial Stability oversight Council (FSOC) and the establishment of the Federal Insurance Office and Cons8umer Financial Protection Bureau. Closely follow the FSOC's proposed rule to implement Sec. 113 of the Dodd-Frank Act, which would establish criteria for the designation of non-bank firms as "systemically important financial institutions." Mark to market accounting: follow SEC and FASBE action regarding guidance and clarification for mark to market accounting.

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 possible designation of insurers as systemically important by the Financial Stability Oversight Council. Also, Followed the appointment of the Director if the Federal Insurance Office and how the mandates for this office are being implemented. Also, lobby for robust and effective Federal Insurance Office. Also, with key trade associations, worked on regulatory strategy for the implementation of Dodd-Frank. Holocaust insurance issues/ICHEDIC: Monitored the reintroduction of legislation that would allow a cause of action against U.S. Insurance companies with European affiliates that may be written life insurance policies involving Holocaust victims in contravention of international agreements. Credit-based insurance scores: Monitor possible reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Climate an energy legislation: Monitored White House, Department of Energy and Environmental Protection Agency "Better Building initiative." Monitored General Services Administration initiative on green buildings and related sustainable products. National Catastrophe/Flood Insurance: Track reintroduction and House passage of National Flood Insurance Reform Legislation in the House, H.R. 1309, track companion legislation in the Senate. Broker-dealer regulatory reform/standard of care: Monitor Securities and Exchange Commission and Department of Labor rulemaking regarding investment advisors and broker-dealers and the fiduciary duty standard. Annuities: Track and lobby for the Lifetime Income Disclosure Act, S.267 and H.R. 677, which has been introduced in the House and Senate. Department of Labor Fiduciary Duty Rulemaking: Monitor and lobby against Department of Labor rulemaking that would expand the definition of "fiduciary" under ERISA. Medicare Secondary-Payer: Through trade association, track efforts by the Center for Medicare and Medicaid Service to implement the Medicare Secondary-payer law.

Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the HR 4173, the Wall Street Reform and Consumer Protection Act and implementation by the CFTC. Systemic Risk: Argue that mutual funds should not be designated as systemically important financial institutions under Sec. 113 of Dodd-Frank. Consumer Financial Protection Bureau: Monitor inclusion of this new agency in H.R. 4173, the Wall Street Reform and Consumer Protection Act and its implementation. Target Date Funds: Monitor possible legislation and SEC as well as Department of labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds. Fiduciary Duty - Monitor the SEC's efforts to establish a uniform fiduciary duty standard of investment advisers and broker-dealers. Monitor the DO:'s efforts to change the fiduciary standard under ERISA. Whistleblower Program: Monitor and oppose SEC rulemaking implementing a provision in the Dodd-Frank Act that creates a new Whistleblower program within the agency. CFTC: Argue against imposing position limits on commodity index mutual funds.

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.

Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the HR 4173, the Wall Street Reform and Consumer Protection Act and implementation by the CFTC. Systemic Risk: Argue that asset managers should not be designated as systemically important financial institutions under Sec. 113 of Dodd-Frank. Also track international developments regarding systemic risk designation. Consumer Financial Protection Bureau: Monitor inclusion of this new agency in H.R. 4173, the Wall Street Reform and Consumer Protection Act and its implementation. Target Date Funds: Monitor possible legislation and SEC as Well As Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual Funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds. Fiduciary Duty- Monitor the SEC's efforts to establish a uniform fiduciary duty standard of investment advisers and broker-dealers. Monitor the DOL's efforts to change the fiduciary standard under ERISA. Whistleblower Program: Monitor and oppose SEC rulemaking implementing a provision in the Dodd-Frank Act that creates a new Whistleblower program within the agency. CFTC: Argue against rule that would impose position limits on commodity index mutual funds.

Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the HR 4173, the Wall Street Reform and Consumer Protection Act and implementation by the CFTC. Systemic Risk: Argue that asset managers should not be designated as systemically important financial institutions under sec.113 of Dodd-Frank. Also track international developments regarding systemic risk designation. Consumer Financial Protection Bureau: Monitor inclusion of this new agency in H.R. 4173, the Wall Street Reform and Consumer Protection Act and its implementation. Target Date Funds: Monitor possible legislation and SEC as Well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual Funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds. Fiduciary Duty-Monitor the SEC's efforts to establish a uniform fiduciary duty standard of investment advisers and broker-dealers. Monitor the DOL's efforts to change the fiduciary standard under ERISA. Whistleblower Program: Monitor and oppose SEC rulemaking implementing a provision in the Dodd-Frank Act that creates a new Whistleblower program with the agency. CFTC: Argue against rule that would impose position limits on commodity index mutual funds.

Money market guaranty program: follow creation of Treasury Department money market guaranty program after concern about the financial stability of the Reserve Management Corporations Primary Fund. H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection Act: Follow implementation of this legislation which would create a new systemic risk regulation for systemically-significant firms and a resolution mechanism for failing firms. The president signed it into law on July 21, 2010. Follow meetings and proposed rules of the Financial Stability Oversight Council (FSOL) and the establishment of the Federal Insurance Office and Consumer Financial Protection Bureau. Closely follow the FSOL's proposed rule to implement Sec. 113 of the Dodd-Frank Act, which would establish criteria for the designation of non-bank firms as "systemically important financial institutions." Mark to market accounting: follow SEC and FASBE action regarding guidance and clarifications for mark to market accounting.

401 (k) fee disclosure: Track Department of Labor rulemaking regarding 401 (k) fee disclosure. Lifetime Income Disclosure Act: Follow introduction and lobby for legislation that would require 401 (k) plan participants an annual statement projecting the monthly income that would be generated if the account balance were amortized as retirement. this is H.R. 677 in the House and S.267 in the Senate.

Financial Services Regulatory Reform: Lobby for favorable implementation of H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection Act regarding insurers, including a resolution fund for failing firms, and the possible designation of insurers as systemically important by the Financial Stability Oversight Council. Also, Followed the appointment of the Director if the Federal Insurance Office and how the mandates for this office are being implemented. Also, lobby for robust and effective Federal Insurance Office. Also, with key trade associations, worked on regulatory strategy for the implementation of Dodd-Frank. Holocaust insurance issues/ICHEDIC: Monitored the reintroduction of legislation that would allow a cause of action against U.S. Insurance companies with European affiliates that may be written life insurance policies involving Holocaust victims in contravention of international agreements. Credit-based insurance scores: Monitor possible reintroduction of legislation that would restrict the ability of personal lines insurers to use credit information of underwriting or setting rates. Climate an energy legislation: Monitored White House, Department of Energy and Environmental Protection Agency "Better Building initiative." Monitored General Services Administration initiative on green buildings and related sustainable products. National Catastrophe/Flood Insurance: Track reintroduction and House passage of National Flood Insurance Reform Legislation in the House, H.R. 1309, track companion legislation in the Senate. Broker-dealer regulatory reform/standard of care: Monitor Securities and Exchange Commission and Department of Labor rulemaking regarding investment advisors and broker-dealers and the fiduciary duty standard. Annuities: Track and lobby for the Lifetime Income Disclosure Act, S.267 and H.R. 677, which has been introduced in the House and Senate. Department of Labor Fiduciary Duty Rulemaking: Monitor and lobby against Department of Labor rulemaking that would expand the definition of "fiduciary" under ERISA. Medicare Secondary-Payer: Through trade association, track efforts by the Center for Medicare and Medicaid Service to implement the Medicare Secondary-payer law.

401 (k) fee disclosure: Track Department of Labor rulemaking regarding 401 (k) fee disclosure. Lifetime Income Disclosure Act: Follow introduction and lobby for legislation that would required 401 (k) plan participants an annual statement projecting the monthly income that would be generated if the account balance were amortized as retirement. This is H.R. 677 in the House and S.267 in the Senate. Argue against possible changes to the tax treatment of life insurance products by the "Super Committee" tasked with long-term deficit reduction or comprehensive tax reform to be undertaken next year.

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 possible designation of insurers as systemically important by the financial Stability Oversight Council. also, Follow the appointment of the director of the Federal Insurance Office and how the mandates for this office are being implemented. Also, lobby for robust and effective Federal Insurance Office. Also, with key trade associations, worked on regulatory strategy of the implementation of Dodd-Frank. 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 and lobbied against its advancement. Credit-based insurance scores: Monitor 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 Building initiative/" Monitored General Services Administration initiative on green buildings and related sustainable products. National Catastrophe/Flood Insurance: Track reintroduction and House passage of National Flood Insurance Reform legislation in the House, H.R. 1309, track companion legislation in the Senate. Also track short term extension of the NFIP. Broker-dealer regulatory reform/standard of care: Monitor Securities and Exchange Commission and Department of Labor rulemaking regarding investment advisors and broker-dealers and the fiduciary duty standard. Annuities: Track and lobby for the Lifetime Income Disclosure Act, S.267 and H.R. 677, which has been introduced in the House and Senate. Department of Labor Fiduciary Duty Rulemaking: Monitor and lobby against Department of Labor rulemaking that would expand the definition of "fiduciary" under ERISA. Medicare Secondary-Payer: Through trade association, track efforts by the Center for Medicare and Medicaid Service to implement the Medicare Secondary-payer law.

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 possible designation of insurers as systemically important by the Financial Stability Oversight Council. Also, followed inclusion of section to create a Federal Insurance Office at Treasury including the appointment of that office's Director, Also 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 reintroduction of National Flood Insurance Reform Legislation in the House, H.R. 1509. State Bankruptcy: Also 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 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.

Cascading taxes for foreign-owned insurers: Advocate against measures that would lead to imposition of an excise tax twice when insurance for reinsurance is placed from the U.S. to a foreign company and then when the foreign company reinsurers the U.S. risk. The IRS issued a ruling on this in March (IRS Ruling 2009-15). Executive Compensation: Monitor and oppose efforts to change carried interest tax treatment. Exchange traded notes: For PIMCO followed issue through trade association Investment company Institute, EIN's are an alternative to mutual funds and enjoy a tax preference. Treasury has recently weighed in and may view this current tax treatment as not appropriate. reinsurance taxation: Advocate against the introduction of legislation. This legislation would prohibit offshore reinsurance affiliates of insurance companies not required to pay U.S. taxes from taking deduction for "excel reinsurance premiums" for domestic risks. Let Wall Street Pay tax proposal: Oppose provision of H.R. 1068, the Let Wall Street Pay for Wall Street's Bailout Act of 2009, that would tax securities transfer and transactions. Monitor and oppose Obama Administration tax proposals that would change existing tax laws and increase tax requirements for life insurance. Monitor and oppose provision in heath insurance reform package that would tax unearned income such as annuities.

Cascading taxes for foreign-owned insurers: Advocate against measure in Congress and from the Obama Administration that would lead to imposition of an excise tax twice when insurance for reinsurance is placed from the U.S. to a foreign company and then when the foreign company reinsures the U.S. risk. The IRS issued a ruling on this in March (IRS ruling 2009-15). Executive Compensation: Monitor and oppose efforts to change carried interest tax treatment. Foreign Account Tax compliance Act - Follow implementation of "FATCA" which became law in March. This ACT increases reporting and withholding requirements for foreign financial firms. Exchange traded notes: for PIMCO followed issue through trade association, Investment Company Institute, ETNs are an alternative to mutual funds and enjoy a tax preference. Treasury has recently weighed in and may view this current tax treatment as not appropriate. Related-party reinsurance taxation: Advocate against legislation, H.R. 3424 by Rep. Richard Neal (D-MA). this legislation would prohibit offshore reinsurance affiliates of insurance companies not required to pay U.S. taxes from taking deductions for "excel reinsurance premiums" for domestic risks. Let Wall Street Pay tax proposal: Oppose provision of HR 1068, the Let Wall Street Pay for Wall Street's Bailout Act of 2009, that would tax securities transfer and transactions. Monitor and oppose Obama Administration tax proposals that would change existing tax laws and increase tax requirements for life insurance. Monitor and oppose provision in "tax extenders" legislation (HR 4213, the American Jobs and Closing Tax Loopholes Act) that would increase taxes on carried interest.

Cascading taxes for foreign-owned insurers: Advocate against measures that would lead to imposition of an excise tax twice when insurance for reinsurance is placed from the U.S. to a foreign company and then when the foreign company reinsurers the U.S. risk. The IRS issued a ruling on this in March (IRS Ruling 2009-15). Executive Compensation: Monitor and oppose efforts to change carried interest tax treatment. Foreign Account Tax Compliance Act - Follow implementation of "FACTA" which became law in March. This Act increases reporting and withholding requirements for foreign financial firms. Exchange traded notes: For PIMCO followed issue through trade association Investment Company Institute, EIN's are an alternative to mutual funds and enjoy a tax preference. Treasury has recently weighed in and may view this current tax treatment as not appropriate. Related-party reinsurance taxation: Advocate against legislation, HR 3424 by Rep. Richard Neal (D-MA). This legislation would prohibit offshore reinsurance affiliates of insurance companies not required to pay U.S. taxes from taking deductions for "excel reinsurance premiums" for domestic risks. Let Wall Street Pay tax proposal: Oppose provision of HR 1068, the Let Wall Street Pay for Wall Street's Bailout Act of 2009, that would tax securities transfer and transactions. Monitor and oppose Obama Administration tax proposals that would change existing tax laws and increase tax requirements for life insurance. Monitor and oppose provision in "tax extenders" legislation (HR 4213, the American Jobs and Closing Tax Loopholes Act) that would increase taxes on earned interest.

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 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 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 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 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 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 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 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 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 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.

Cascading taxes for foreign-owned insurers: Advocate against measures that would lead to imposition of an excise tax twice when insurance for reinsurance is placed from the U.S. to a foreign company and then when the foreign company reinsurers the U.S. risk. The IRS issued a ruling on this in March (IRS Ruling 2009-15). Executive Compensation: Monitor and oppose efforts to change carried interest tax treatment. Foreign Account Tax Compliance Act - Follow implementation of "FACTA" which became law in March. This Act increases reporting and withholding requirements for foreign financial firms. Exchange traded notes: For PIMCO followed issue through trade association Investment Company Institute, EIN's are an alternative to mutual funds and enjoy a tax preference. Treasury has recently weighed in and may view this current tax treatment as not appropriate. Related-party reinsurance taxation: Advocate against legislation, HR 3424 by Rep. Richard Neal (D-MA). This legislation would prohibit offshore reinsurance affiliates of insurance companies not required to pay U.S. taxes from taking deductions for "excel reinsurance premiums" for domestic risks. Let Wall Street Pay tax proposal: Oppose provision of HR 1068, the Let Wall Street Pay for Wall Street's Bailout Act of 2009, that would tax securities transfer and transactions. Monitor and oppose Obama Administration tax proposals that would change existing tax laws and increase tax requirements for life insurance. Monitor and oppose provision in "tax extenders" legislation (HR 4213, the American Jobs and Closing Tax Loopholes Act) that would increase taxes on earned interest.

Cascading taxes for foreign-owned insurers: Advocate against measure in Congress and from the Obama Administration that would lead to imposition of an excise tax twice when insurance for reinsurance is placed from the U.S. to a foreign company and then when the foreign company reinsures the U.S. risk. The IRS issued a ruling on this in March (IRS ruling 2009-15). Executive Compensation: Monitor and oppose efforts to change carried interest tax treatment. Foreign Account Tax compliance Act - Follow implementation of "FATCA" which became law in March. This ACT increases reporting and withholding requirements for foreign financial firms. Exchange traded notes: for PIMCO followed issue through trade association, Investment Company Institute, ETNs are an alternative to mutual funds and enjoy a tax preference. Treasury has recently weighed in and may view this current tax treatment as not appropriate. Related-party reinsurance taxation: Advocate against legislation, H.R. 3424 by Rep. Richard Neal (D-MA). this legislation would prohibit offshore reinsurance affiliates of insurance companies not required to pay U.S. taxes from taking deductions for "excel reinsurance premiums" for domestic risks. Let Wall Street Pay tax proposal: Oppose provision of HR 1068, the Let Wall Street Pay for Wall Street's Bailout Act of 2009, that would tax securities transfer and transactions. Monitor and oppose Obama Administration tax proposals that would change existing tax laws and increase tax requirements for life insurance. Monitor and oppose provision in "tax extenders" legislation (HR 4213, the American Jobs and Closing Tax Loopholes Act) that would increase taxes on carried interest.

Cascading taxes for foreign-owned insurers: Advocate against measure in Congress and from the Obama Administration that would lead to imposition of an excise tax twice when insurance for reinsurance is placed from the U.S. to a foreign company and then when the foreign company reinsures the U.S. risk. The IRS issued a ruling of this in March (IRS ruling 2009-15). Executive Compensation: Monitor and oppose efforts to change carried interest tax treatment. Foreign Account Tax Compliance Act - Follow implementation of "FATCA" which became law in March, 2010. This Act increases reporting and withholding requirements for foreign financial firms. Exchange traded notes: for PIMCO followed issue through trade association, Investment Company Institute, ETN's are an alternative to mutual funds and enjoy a tax preference. Treasury has recently weighed in and may view this current tax treatment as not appropriate. Related-party reinsurance taxation: Advocate against legislation, H.R. 3424 by Rep. Richard Neal (D-MA). This legislation would prohibit offshore reinsurance affiliates of insurance companies not required to pay U.S. taxes from taking deductions for "excel reinsurance premiums" for domestic risks. Monitor and oppose Obama Administration tax proposals that would change existing tax laws and increase tax requirements for life insurance. Monitor and oppose provision in "tax extenders" legislation (HR 4213, the American Jobs and Closing Tax Loopholes Act) that would increase taxes on carried interest. Monitor extension of Bush-era tax cuts, H.R. 4853, the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010.

Annuities: Followed SEC action on rule to bring equity-indexed annuities under the SEC's regulatory purviews. Proposed rule: "indexed Annuities and certain other insurance contacts." Release number: 33-8933. also followed litigation in opposition to rule. commodities: Monitor action of the CFTC and Congress on speculation in the energy markets. Short Selling: Followed SEC's action regarding reinstating the uptick rule for short selling. Hedge funds and private equity: Monitor S.244 Hedge fund Transparency Act; S.12276 private Fund Transparency Act of 2009. Consumer Financial Protection Agency: Monitor inclusion of this new agency in H.R.4193, the Wall Street Reform and Consumer Protection Act and in parallel Senate legislation, the Restoring American Financial Stability Act. Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 and parallel legislation in the Senate, the Restoring American Financial Stability Act. Senior Investor Protection Act, S.906: monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S. 1082.

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.

Annuities: Followed SEC action on rule to bring equity-indexed annuities under the SEC's regulatory purviews. Proposed rule: "indexed Annuities and certain other insurance contacts." Release number: 33-8933. also followed litigation in opposition to rule. commodities: Monitor action of the CFTC and Congress on speculation in the energy markets. Short Selling: Followed SEC's action regarding reinstating the uptick rule for short selling. Hedge funds and private equity: Monitor S.244 Hedge fund Transparency Act; S.12276 private Fund Transparency Act of 2009. Consumer Financial Protection Agency: Monitor inclusion of this new agency in H.R.4193, the Wall Street Reform and Consumer Protection Act and in parallel Senate legislation, the Restoring American Financial Stability Act. Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 and parallel legislation in the Senate, the Restoring American Financial Stability Act. Senior Investor Protection Act, S.906: monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S. 1082.

Annuities: followed SEC action on rule to bring equity-indexed annuities under the SEC's regulatory purviews. Proposed rule: "indexed Annuities and certain other insurance contacts." release number 33-8933. also followed litigation in opposition to rule. Commodities: Monitor action of the CFTC and Congress on speculation in the energy markets. Short Selling: Followed SEC's action regarding reinstating the uptick rule for short selling. Hedge funds and private equity: Monitor S.244 Hedge Fund Transparency Act, S.12276 Private Fund Transparency Act of 2009. Consumer Financial Protection Agency: Monitor inclusion of this new agency in H.R. 4173, the Wall Street Reform and Consumer Protection Act. Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the H.R. 4173, the Wall Street Reform and Consumer Protection Act. Senior Investor Protection Act, S.906: Monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds; Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S. 1082. Proprietary Trading - Follow provisions in H.R. 4173, the Wall Street Reform and consumer Protection Act that would restrict the ability of some institutions to engage in proprietary trading and investments in hedge or private equity funds.

Annuities: followed SEC action on rule to bring equity-indexed annuities under the SEC's regulatory purviews and an amendment to the Dodd-Frank Act, HR 4173 that effectively overturned this rule. Proposed rule: "indexed annuities and certain other insurance contacts," release number 33-8933, also followed litigation in opposition to rule. Commodities: Monitor action of the CFTC and Congress on speculation in the energy markets. Short Selling: Followed SEC's action regarding reinstating the uptick rule for short selling. Hedge funds and private equity: Monitor S.244 hedge Fund Transparency Act, S.12276 Private Fund Transparency Act of 2009. Consumer Financial Protection Bureau: Monitor inclusion of this new agency in HR 4173, The Wall Street Reform and Consumer Protection Act and its implementation. Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the HR 4173, the Wall Street Reform and Consumer Protection Act. Senior Investor Protection Act, S.906: Monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S. 1082. Proprietary Trading - follow provision in HR 4173, the Wall Street Reform and Consumer Protection Act that would restrict the ability of some institutions to engage in proprietary trading and investments in hedge or private equity funds.

Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the HR 4173, the Wall Street Reform and Consumer Protection Act and implementation by the CFTL. Hedge funds and private equity: Monitor S.244 Hedge Fund Transaprency Act, S.12276 Private Fund Transparency Act of 2009. Consumer Financial Protection Bureau: Monitor inclusion of this new agency in HR 4173, the Wall Street Reform and Consumer Protection Act and its implementation. Senior Investor Protection Act, S.906: Monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S.1082. Proprietary Trading: Along with trade associations, monitor implementation of the "Volcker Rule", included as part of HR 4173, the Wall Street Reform and Consumer Protection Act. This will restart the ability of some institutions to engage in proprietary trading and investing in hedge and private equity funds.

Annuities: Followed SEC action on rule to bring equity-indexed annuities under the SEC's regulatory purviews. Proposed rule: "indexed Annuities and certain other insurance contacts." Release number: 33-8933. also followed litigation in opposition to rule. commodities: Monitor action of the CFTC and Congress on speculation in the energy markets. Short Selling: Followed SEC's action regarding reinstating the uptick rule for short selling. Hedge funds and private equity: Monitor S.244 Hedge fund Transparency Act; S.12276 private Fund Transparency Act of 2009. Consumer Financial Protection Agency: Monitor inclusion of this new agency in H.R.4193, the Wall Street Reform and Consumer Protection Act and in parallel Senate legislation, the Restoring American Financial Stability Act. Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 and parallel legislation in the Senate, the Restoring American Financial Stability Act. Senior Investor Protection Act, S.906: monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S. 1082.

Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the HR 4173, the Wall Street Reform and Consumer Protection Act and implementation by the CFTL. Hedge funds and private equity: Monitor S.244 Hedge Fund Transaprency Act, S.12276 Private Fund Transparency Act of 2009. Consumer Financial Protection Bureau: Monitor inclusion of this new agency in HR 4173, the Wall Street Reform and Consumer Protection Act and its implementation. Senior Investor Protection Act, S.906: Monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S.1082. Proprietary Trading: Along with trade associations, monitor implementation of the "Volcker Rule", included as part of HR 4173, the Wall Street Reform and Consumer Protection Act. This will restart the ability of some institutions to engage in proprietary trading and investing in hedge and private equity funds.

Annuities: followed SEC action on rule to bring equity-indexed annuities under the SEC's regulatory purviews and an amendment to the Dodd-Frank Act, HR 4173 that effectively overturned this rule. Proposed rule: "indexed annuities and certain other insurance contacts," release number 33-8933, also followed litigation in opposition to rule. Commodities: Monitor action of the CFTC and Congress on speculation in the energy markets. Short Selling: Followed SEC's action regarding reinstating the uptick rule for short selling. Hedge funds and private equity: Monitor S.244 hedge Fund Transparency Act, S.12276 Private Fund Transparency Act of 2009. Consumer Financial Protection Bureau: Monitor inclusion of this new agency in HR 4173, The Wall Street Reform and Consumer Protection Act and its implementation. Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the HR 4173, the Wall Street Reform and Consumer Protection Act. Senior Investor Protection Act, S.906: Monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S. 1082. Proprietary Trading - follow provision in HR 4173, the Wall Street Reform and Consumer Protection Act that would restrict the ability of some institutions to engage in proprietary trading and investments in hedge or private equity funds.

Annuities: followed SEC action on rule to bring equity-indexed annuities under the SEC's regulatory purviews. Proposed rule: "indexed Annuities and certain other insurance contacts." release number 33-8933. also followed litigation in opposition to rule. Commodities: Monitor action of the CFTC and Congress on speculation in the energy markets. Short Selling: Followed SEC's action regarding reinstating the uptick rule for short selling. Hedge funds and private equity: Monitor S.244 Hedge Fund Transparency Act, S.12276 Private Fund Transparency Act of 2009. Consumer Financial Protection Agency: Monitor inclusion of this new agency in H.R. 4173, the Wall Street Reform and Consumer Protection Act. Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the H.R. 4173, the Wall Street Reform and Consumer Protection Act. Senior Investor Protection Act, S.906: Monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds; Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S. 1082. Proprietary Trading - Follow provisions in H.R. 4173, the Wall Street Reform and consumer Protection Act that would restrict the ability of some institutions to engage in proprietary trading and investments in hedge or private equity funds.

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.

Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the HR 4173, the Wall Street Reform and Consumer Protection Act and implementation by the CFTL. Hedge funds and private equity: Monitor S.244 Hedge Fund Transaprency Act, S.12276 Private Fund Transparency Act of 2009. Consumer Financial Protection Bureau: Monitor inclusion of this new agency in HR 4173, the Wall Street Reform and Consumer Protection Act and its implementation. Senior Investor Protection Act, S.906: Monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S.1082. Proprietary Trading: Along with trade associations, monitor implementation of the "Volcker Rule", included as part of HR 4173, the Wall Street Reform and Consumer Protection Act. This will restart the ability of some institutions to engage in proprietary trading and investing in hedge and private equity funds.

Annuities: Followed SEC action on rule to bring equity-indexed annuities under the SEC's regulatory purviews. Proposed rule: "indexed Annuities and certain other insurance contacts." Release number: 33-8933. also followed litigation in opposition to rule. commodities: Monitor action of the CFTC and Congress on speculation in the energy markets. Short Selling: Followed SEC's action regarding reinstating the uptick rule for short selling. Hedge funds and private equity: Monitor S.244 Hedge fund Transparency Act; S.12276 private Fund Transparency Act of 2009. Consumer Financial Protection Agency: Monitor inclusion of this new agency in H.R.4193, the Wall Street Reform and Consumer Protection Act and in parallel Senate legislation, the Restoring American Financial Stability Act. Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 and parallel legislation in the Senate, the Restoring American Financial Stability Act. Senior Investor Protection Act, S.906: monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S. 1082.

Annuities: followed SEC action on rule to bring equity-indexed annuities under the SEC's regulatory purviews and an amendment to the Dodd-Frank Act, HR 4173 that effectively overturned this rule. Proposed rule: "indexed annuities and certain other insurance contacts," release number 33-8933, also followed litigation in opposition to rule. Commodities: Monitor action of the CFTC and Congress on speculation in the energy markets. Short Selling: Followed SEC's action regarding reinstating the uptick rule for short selling. Hedge funds and private equity: Monitor S.244 hedge Fund Transparency Act, S.12276 Private Fund Transparency Act of 2009. Consumer Financial Protection Bureau: Monitor inclusion of this new agency in HR 4173, The Wall Street Reform and Consumer Protection Act and its implementation. Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the HR 4173, the Wall Street Reform and Consumer Protection Act. Senior Investor Protection Act, S.906: Monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S. 1082. Proprietary Trading - follow provision in HR 4173, the Wall Street Reform and Consumer Protection Act that would restrict the ability of some institutions to engage in proprietary trading and investments in hedge or private equity funds.

Annuities: followed SEC action on rule to bring equity-indexed annuities under the SEC's regulatory purviews. Proposed rule: "indexed Annuities and certain other insurance contacts." release number 33-8933. also followed litigation in opposition to rule. Commodities: Monitor action of the CFTC and Congress on speculation in the energy markets. Short Selling: Followed SEC's action regarding reinstating the uptick rule for short selling. Hedge funds and private equity: Monitor S.244 Hedge Fund Transparency Act, S.12276 Private Fund Transparency Act of 2009. Consumer Financial Protection Agency: Monitor inclusion of this new agency in H.R. 4173, the Wall Street Reform and Consumer Protection Act. Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the H.R. 4173, the Wall Street Reform and Consumer Protection Act. Senior Investor Protection Act, S.906: Monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds; Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S. 1082. Proprietary Trading - Follow provisions in H.R. 4173, the Wall Street Reform and consumer Protection Act that would restrict the ability of some institutions to engage in proprietary trading and investments in hedge or private equity funds.

TARP: Followed developments regarding the Troubled Asset Relief Program at Treasury. Money market guaranty program: follow creation of Treasury Department money market guaranty program after concern about the financial stability of the Reserve Management Corporations Primary Fund. Bailout/Economic Recovery Legislation: Follow implementation of H.R. 1924 the "Emergency Economic Stabilization Act of 2008". The bill which Allianz of America supported, authorizes the U.S. Government to purchase up to $700 billion of troubled assets from financial institutions. the bill also included tax extender provisions which Allianz supported. H.R. 4173, the Wall Street reform and Consumer Protection Act, follow action on this legislation in the House-Senate Conference, which would create a new systemic risk regulation for systemically-significant firms and a resolution mechanism for failing firms. Mark to market accounting: follow SEC and FASBE action regarding guidance and clarification for mark to market accounting. financial Services regulatory reform: followed discussions within Congress and the Administration to reform the financial services regulatory system, including "cram-down" legislation to create a resolution authority for failing firms systemic risk legislation, and a new consumer financial protection agency.

Mark to market accounting: follow SEC and FASBE action regarding guidance and clarification for mark to market accounting. Financial Services regulatory reform: followed discussions within Congress and the Administration to reform the financial services regulatory system, including "cram-down" legislation to create a resolution authority for failing firms systemic risk legislation, and a new consumer financial protection agency. TARP: Followed developments regarding the Troubled Asset Relief Program at Treasury. money market guaranty program: Follow creation of Treasury Department money market guaranty program after concern about the financial stability of the Reserve Management Corporations Primary Fund. Bailout/Economic Recovery Legislation: Follow implementation of H.R 1924 the "Emergency Economic Stabilization Act of 2008". The bill which Allianz of America supported, authorizes the U.S. Government to purchase up to $700 billion of troubled assets from financial institutions. The bill also included tax extender provisions which Allianz supported. H.R. 4173, the Wall Street reform and Consumer Protection Act of 2009, follow action on this legislation, which would create a new systemic risk regulation for systemically-significant firms and a resolution mechanism for failing firms. Also, followed the mark-up of similar legislation in the Senate, the "Restoring American Financial Stability Act."

TARP: Followed developments regarding the Troubled Asset Relief Program at Treasury Money market guaranty program: follow creation of Treasury Department money market guaranty program after concern about the financial stability of the Reserve Management Corporations Primary Fund. Bailout/Economic Recovery Legislation: Follow implementation of H.R. 1924 the "Emergency Economic Stabilization Act of 2008". The bill which Allianz of America supported, authorizes the U.S. Government to purchase up to $700 billion of troubled assets from financial institutions, the bill also included tax extender provisions which Allianz supported. H.R. 4173, the Dodd-Frank wall Street Reform and Consumer Protection Act, follow implementation of this legislation which would create a new systemic risk regulation for systemically-significant firms and a resolution mechanism for failing firms. The president signed it into law on July 21, 2010. Follow meetings of the Financial Stability Oversight council and the establishment of the Federal Insurance Office and Consumer Financial Protection Agency. Mark to market accounting: follow SEC and FASBE action regarding guidance and clarifications for mark to market accounting.

TARP: Followed developments regarding the Troubled Asset Relief Program at Treasury. Money market guaranty program: follow creation of Treasury Department money market guaranty program after concern about the financial stability of the Reserve Management Corporations Primary Fund. Bailout/Economic Recovery Legislation: Follow implementation of H.R. 1924 the "Emergency Economic Stabilization Act of 2008". The bill which Allianz of America supported, authorizes the U.S. Government to purchase up to $700 billion of troubled assets from financial institutions, the bill also included tax extender provisions which Allianz supported. H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection Act, follow action this legislation in the House and Senate which would create a new systemic risk regulation for systemically-significant firms and a resolution mechanism for failing firms. The President signed it into law on July 21, 2010. Follow the beginning of the implementation process, including the formation of the consumer Financial Protection Bureau, the Federal Insurance Office, and the Financial Stability Oversight Council. Mark to market accounting: follow SEC and FASBE action regarding guidance and clarification for mark to market accounting, financial services regulatory reform: followed discussions within Congress and the Administration to reform the financial services regulatory system, including "cram-down" legislation to create a resolution authority for failing firms systemic risk legislation, and a new consumer financial protection agency.

TARP: Followed developments regarding the Troubled Asset Relief Program at Treasury. Money market guaranty program: follow creation of Treasury Department money market guaranty program after concern about the financial stability of the Reserve Management Corporations Primary Fund. Bailout/Economic Recovery Legislation: Follow implementation of H.R. 1924 the "Emergency Economic Stabilization Act of 2008". The bill which Allianz of America supported, authorizes the U.S. Government to purchase up to $700 billion of troubled assets from financial institutions. the bill also included tax extender provisions which Allianz supported. H.R. 4173, the Wall Street reform and Consumer Protection Act, follow action on this legislation in the House-Senate Conference, which would create a new systemic risk regulation for systemically-significant firms and a resolution mechanism for failing firms. Mark to market accounting: follow SEC and FASBE action regarding guidance and clarification for mark to market accounting. financial Services regulatory reform: followed discussions within Congress and the Administration to reform the financial services regulatory system, including "cram-down" legislation to create a resolution authority for failing firms systemic risk legislation, and a new consumer financial protection agency.

Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the HR 4173, the Wall Street Reform and Consumer Protection Act and implementation by the CFTL. Hedge funds and private equity: Monitor S.244 Hedge Fund Transaprency Act, S.12276 Private Fund Transparency Act of 2009. Consumer Financial Protection Bureau: Monitor inclusion of this new agency in HR 4173, the Wall Street Reform and Consumer Protection Act and its implementation. Senior Investor Protection Act, S.906: Monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S.1082. Proprietary Trading: Along with trade associations, monitor implementation of the "Volcker Rule", included as part of HR 4173, the Wall Street Reform and Consumer Protection Act. This will restart the ability of some institutions to engage in proprietary trading and investing in hedge and private equity funds.

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.

Annuities: followed SEC action on rule to bring equity-indexed annuities under the SEC's regulatory purviews and an amendment to the Dodd-Frank Act, HR 4173 that effectively overturned this rule. Proposed rule: "indexed annuities and certain other insurance contacts," release number 33-8933, also followed litigation in opposition to rule. Commodities: Monitor action of the CFTC and Congress on speculation in the energy markets. Short Selling: Followed SEC's action regarding reinstating the uptick rule for short selling. Hedge funds and private equity: Monitor S.244 hedge Fund Transparency Act, S.12276 Private Fund Transparency Act of 2009. Consumer Financial Protection Bureau: Monitor inclusion of this new agency in HR 4173, The Wall Street Reform and Consumer Protection Act and its implementation. Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the HR 4173, the Wall Street Reform and Consumer Protection Act. Senior Investor Protection Act, S.906: Monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds: Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S. 1082. Proprietary Trading - follow provision in HR 4173, the Wall Street Reform and Consumer Protection Act that would restrict the ability of some institutions to engage in proprietary trading and investments in hedge or private equity funds.

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.

TARP: Followed developments regarding the Troubled Asset Relief Program at Treasury Money market guaranty program: follow creation of Treasury Department money market guaranty program after concern about the financial stability of the Reserve Management Corporations Primary Fund. Bailout/Economic Recovery Legislation: Follow implementation of H.R. 1924 the "Emergency Economic Stabilization Act of 2008". The bill which Allianz of America supported, authorizes the U.S. Government to purchase up to $700 billion of troubled assets from financial institutions, the bill also included tax extender provisions which Allianz supported. H.R. 4173, the Dodd-Frank wall Street Reform and Consumer Protection Act, follow implementation of this legislation which would create a new systemic risk regulation for systemically-significant firms and a resolution mechanism for failing firms. The president signed it into law on July 21, 2010. Follow meetings of the Financial Stability Oversight council and the establishment of the Federal Insurance Office and Consumer Financial Protection Agency. Mark to market accounting: follow SEC and FASBE action regarding guidance and clarifications for mark to market accounting.

TARP: Followed developments regarding the Troubled Asset Relief Program at Treasury. Money market guaranty program: follow creation of Treasury Department money market guaranty program after concern about the financial stability of the Reserve Management Corporations Primary Fund. Bailout/Economic Recovery Legislation: Follow implementation of H.R. 1924 the "Emergency Economic Stabilization Act of 2008". The bill which Allianz of America supported, authorizes the U.S. Government to purchase up to $700 billion of troubled assets from financial institutions, the bill also included tax extender provisions which Allianz supported. H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection Act, follow action this legislation in the House and Senate which would create a new systemic risk regulation for systemically-significant firms and a resolution mechanism for failing firms. The President signed it into law on July 21, 2010. Follow the beginning of the implementation process, including the formation of the consumer Financial Protection Bureau, the Federal Insurance Office, and the Financial Stability Oversight Council. Mark to market accounting: follow SEC and FASBE action regarding guidance and clarification for mark to market accounting, financial services regulatory reform: followed discussions within Congress and the Administration to reform the financial services regulatory system, including "cram-down" legislation to create a resolution authority for failing firms systemic risk legislation, and a new consumer financial protection agency.

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.

Annuities: followed SEC action on rule to bring equity-indexed annuities under the SEC's regulatory purviews. Proposed rule: "indexed Annuities and certain other insurance contacts." release number 33-8933. also followed litigation in opposition to rule. Commodities: Monitor action of the CFTC and Congress on speculation in the energy markets. Short Selling: Followed SEC's action regarding reinstating the uptick rule for short selling. Hedge funds and private equity: Monitor S.244 Hedge Fund Transparency Act, S.12276 Private Fund Transparency Act of 2009. Consumer Financial Protection Agency: Monitor inclusion of this new agency in H.R. 4173, the Wall Street Reform and Consumer Protection Act. Derivatives: Monitor new rules and changes of regulation for derivatives and commodity indexed funds, and activity within Congress, especially in the context of the H.R. 4173, the Wall Street Reform and Consumer Protection Act. Senior Investor Protection Act, S.906: Monitor legislation designed to protect seniors wishing to buy financial products from unqualified advisors; monitor together with trade associations. Target Date funds: Monitor possible legislation and SEC as well as Department of Labor regulatory activities. SEC and money markets: Monitor and see proposed SEC regulations. Mutual funds; Advocate for the ability to defer annual capital gains taxation of dividends that are reinvested in mutual funds, GROWTH act S. 1082. Proprietary Trading - Follow provisions in H.R. 4173, the Wall Street Reform and consumer Protection Act that would restrict the ability of some institutions to engage in proprietary trading and investments in hedge or private equity funds.

Cascading taxes for foreign-owned insurers: Advocate against measure in Congress and from the Obama Administration that would lead to imposition of an excise tax twice when insurance for reinsurance is placed from the U.S. to a foreign company and then when the foreign company reinsures the U.S. risk. The IRS issued a ruling of this in March (IRS ruling 2009-15). Executive Compensation: Monitor and oppose efforts to change carried interest tax treatment. Foreign Account Tax Compliance Act - Follow implementation of "FATCA" which became law in March, 2010. This Act increases reporting and withholding requirements for foreign financial firms. Exchange traded notes: for PIMCO followed issue through trade association, Investment Company Institute, ETN's are an alternative to mutual funds and enjoy a tax preference. Treasury has recently weighed in and may view this current tax treatment as not appropriate. Related-party reinsurance taxation: Advocate against legislation, H.R. 3424 by Rep. Richard Neal (D-MA). This legislation would prohibit offshore reinsurance affiliates of insurance companies not required to pay U.S. taxes from taking deductions for "excel reinsurance premiums" for domestic risks. Monitor and oppose Obama Administration tax proposals that would change existing tax laws and increase tax requirements for life insurance. Monitor and oppose provision in "tax extenders" legislation (HR 4213, the American Jobs and Closing Tax Loopholes Act) that would increase taxes on carried interest. Monitor extension of Bush-era tax cuts, H.R. 4853, the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010.

Cascading taxes for foreign-owned insurers: Advocate against measure in Congress and from the Obama Administration that would lead to imposition of an excise tax twice when insurance for reinsurance is placed from the U.S. to a foreign company and then when the foreign company reinsures the U.S. risk. The IRS issued a ruling on this in March (IRS ruling 2009-15). Executive Compensation: Monitor and oppose efforts to change carried interest tax treatment. Foreign Account Tax compliance Act - Follow implementation of "FATCA" which became law in March. This ACT increases reporting and withholding requirements for foreign financial firms. Exchange traded notes: for PIMCO followed issue through trade association, Investment Company Institute, ETNs are an alternative to mutual funds and enjoy a tax preference. Treasury has recently weighed in and may view this current tax treatment as not appropriate. Related-party reinsurance taxation: Advocate against legislation, H.R. 3424 by Rep. Richard Neal (D-MA). this legislation would prohibit offshore reinsurance affiliates of insurance companies not required to pay U.S. taxes from taking deductions for "excel reinsurance premiums" for domestic risks. Let Wall Street Pay tax proposal: Oppose provision of HR 1068, the Let Wall Street Pay for Wall Street's Bailout Act of 2009, that would tax securities transfer and transactions. Monitor and oppose Obama Administration tax proposals that would change existing tax laws and increase tax requirements for life insurance. Monitor and oppose provision in "tax extenders" legislation (HR 4213, the American Jobs and Closing Tax Loopholes Act) that would increase taxes on carried interest.

Cascading taxes for foreign-owned insurers: Advocate against measures that would lead to imposition of an excise tax twice when insurance for reinsurance is placed from the U.S. to a foreign company and then when the foreign company reinsurers the U.S. risk. The IRS issued a ruling on this in March (IRS Ruling 2009-15). Executive Compensation: Monitor and oppose efforts to change carried interest tax treatment. Foreign Account Tax Compliance Act - Follow implementation of "FACTA" which became law in March. This Act increases reporting and withholding requirements for foreign financial firms. Exchange traded notes: For PIMCO followed issue through trade association Investment Company Institute, EIN's are an alternative to mutual funds and enjoy a tax preference. Treasury has recently weighed in and may view this current tax treatment as not appropriate. Related-party reinsurance taxation: Advocate against legislation, HR 3424 by Rep. Richard Neal (D-MA). This legislation would prohibit offshore reinsurance affiliates of insurance companies not required to pay U.S. taxes from taking deductions for "excel reinsurance premiums" for domestic risks. Let Wall Street Pay tax proposal: Oppose provision of HR 1068, the Let Wall Street Pay for Wall Street's Bailout Act of 2009, that would tax securities transfer and transactions. Monitor and oppose Obama Administration tax proposals that would change existing tax laws and increase tax requirements for life insurance. Monitor and oppose provision in "tax extenders" legislation (HR 4213, the American Jobs and Closing Tax Loopholes Act) that would increase taxes on earned interest.

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.

Cascading taxes for foreign-owned insurers: Advocate against measures that would lead to imposition of an excise tax twice when insurance for reinsurance is placed from the U.S. to a foreign company and then when the foreign company reinsures the U.S. risk. The IRS issued a ruling on this in March (IRS Ruling 2009-15). Exchange traded notes: For PIMCO followed issue through trade association Investment Company Institute. EIN's are an alternative to mutual funds and enjoy a tax preference. Treasury has recently weighed in and may view this current tax treatment as not appropriate. Reinsurance taxation: Advocate against the introduction of legislation. This legislation would prohibit offshore reinsurance affiliates of insurance companies not required to pay U.S. taxes from taking deduction for "excel reinsurance premiums" for domestic risks. Let Wall Street Pay tax proposal: Oppose provision of H.R. 1068, the Let Wall Street Pay for Wall Street's Bailout Act of 2009, that would tax securities transfer and transactions. Monitor and oppose Obama Administration tax proposals that would change existing tax laws and increase tax requirements for life insurers.

Cascading taxes for foreign-owned insurers: Advocate against measures that would lead to imposition of an excise tax twice when insurance for reinsurance is placed from the U.S. to a foreign company and then when the foreign company reinsures the U.S. risk. The IRS issued a ruling on this in March (IRS Ruling 2009-15). Exchange traded notes: For PIMCO followed issue through trade association Investment Company Institute. EIN's are an alternative to mutual funds and enjoy a tax preference. Treasury has recently weighed in and may view this current tax treatment as not appropriate. Reinsurance taxation: Advocate against the introduction of legislation. This legislation would prohibit offshore reinsurance affiliates of insurance companies not required to pay U.S. taxes from taking deduction for "excel reinsurance premiums" for domestic risks. Let Wall Street Pay tax proposal: Oppose provision of H.R. 1068, the Leg Wall Street Pay for Wall Street's Bailout Act of 2009, that would tax securities transfer and transactions. Monitor and oppose Obama Administration tax proposals that would change existing tax laws and increase tax requirements for life insurance.

Cascading taxes for foreign-owned insurers: Advocate against measures that would lead to imposition of an excise tax twice when insurance for reinsurance is placed from the U.S. to a foreign company and then when the foreign company reinsures the U.S. risk. The IRS issued a ruling on this in March (IRS Ruling 2009-150. Exchange traded notes: For PIMCO followed issue through trade association Investment Company Institute. EIN's are an alternative to mutual funds and enjoy a tax preference. Treasury has recently weighed in an may view this current tax treatment as not appropriate. Reinsurance taxation: Advocate against the introduction of legislation. This legislation would prohibit offshore reinsurance affiliates of insurance companies not required to pay U.S. taxes from taking deduction for "excel reinsurance premiums" for domestic risks. Let Wall Street Pay tax proposal: Oppose provisions of H.R. 1068, the Let Wall Street Pay for Wall Street's Bailout Act of 2009, that would tax securities transfer and transactions. Monitor and oppose Obama Administration tax proposals that would change existing tax laws and increase tax requirements for life insurers.

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/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.

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.