IRI Annual Digest A 2013 Recap

Providing Member Value Through Research, Education, and Advocacy

IRI believes in the necessity of all Americans to strengthen their retirement security through the guarantees provided by insured retirement strategies. In the wake of difficult financial times, these strategies demonstrated the unique ability to deliver unprecedented peace of mind to investors who place their trust in these products.

As the only association that represents the entire supply chain of insured retirement solutions, IRI is uniquely poised to leverage the collective strength of our membership to advance our shared goals through industry leading research, education and advocacy. By working together through IRI, the distinct value proposition of our industry can be fully maximized to grow advisor engagement to serve new clients and expand our footprint in the financial marketplace and with policymakers.

Welcome

Dear Member,

Over the last several years, the Insured Retirement Institute (IRI) has helped the industries and members we serve deepen their understanding of the issues influencing retirement preparedness. IRI’s leadership in research, education and advocacy has heightened awareness of the need for solutions that will help more Americans achieve the secure and dignified retirement they deserve.

With more than 60 million Baby Boomers reaching retirement by 2030, it is vital that IRI continue to grow its industry-leading work educating and engaging consumers and advisors about the importance of saving for retirement.

Under the leadership of a highly engaged and diverse Board of Directors, IRI continues to advance its founding mission: to encourage industry adherence to highest ethical principles; promote better understanding of the insured retirement value proposition; develop and promote best practice standards to improve value delivery; and advocate before public policymakers on critical issues affecting insured retirement strategies and the consumers that rely on their guarantees.

And it is because of the commitment and dedication of our members that we achieved great successes in 2013. IRI grew its membership by adding more than 30 new member companies, now putting the number of member firms and affiliates receiving benefits at more than 850. The association unveiled two new websites – one for members and the other for external stakeholders. Both online properties experienced a growth in traffic, with the Members Only Website seeing an increase of more than 30 percent.

Over the course of the year, IRI delivered more than 20 pieces of thought leadership and research, focusing on marketplace trends, consumer issues and policy matters. IRI also established the Champion of Retirement Security Award, and honored Senators Ben Cardin (D-Md.) and Rob Portman (R-Ohio) at a Capitol Hill Event. And on the Operations and Technology front, this area of the member base increased by nearly 20 percent, and through committee and working group efforts delivered new educational resources to apprise members of progress in this area.

IRI continued to provide highly sought after educational and practice management offerings, building a suite of FINRA-reviewed, client resources that now offers more than 50 informative engagement tools. Last year, the association also offered a dozen webinars, most for continuing education credit, engaging more than 3,000 financial professionals on a wide array of policy, industry and research topics.

These are just a handful of the advancements we have achieved together over the past year. Please take a moment to review this digest for a more thorough understanding of how your association is leveraging its status to deliver unparalleled service. We look forward to your continued partnership in the coming year.

Sincerely,

Cathy Weatherford President and CEO Insured Retirement Institute

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IRI conferences continue to draw hundreds of senior professionals from IRI’s diverse membership.

IRI Members Include:

850Member Companies

and Affiliates

>100Affiliated Members & New Companies

150,000Financial Advisors

10,000Home Office Professionals

IRI Member Companies Represent:

>98%of Annuity Assets in the

Industry

>50Asset Management Firms

Top 15Distributor/ Broker-Dealer Members as

Ranked by Assets Under Management

MembershipDuring the past year, IRI has grown its membership to more than 850 member companies receiving benefits, representing insurers, distributors, broker-dealers, banks, asset managers, and industry solution providers. IRI welcomed more than 100 affiliated members and new companies in 2013. IRI membership benefits are accessible to more than 150,000 financial advisors and 10,000 home office professionals.

IRI recruited 33 new member companies in 2013, which included five new insurers, 11 distributors/broker-dealers, one asset manager, and 16 solution providers.

The Hall of Fame Working Group successfully implemented changes to the award structure and received quality nominations for the 2013 award. IRI successfully transitioned from the John D. Marsh Hall of Fame Award (annuity focused) to the IRI Hall of Fame (retirement focus). Three new members were inducted at Vision: IRI Annual Meeting 2013 — James A. Shepherdson, Jane M. Mancini and Jana W. Greer.

Building on IRI’s successful member engagement activities, a new monthly member engagement campaign was implemented to provide regular updates on member benefits.

A new onboarding presentation and membership checklists were implemented, and more than 40 Member Services presentations were completed.

IRI Committees and Working Groups continue to thrive, increasing the overall engagement of IRI members. In total, 1,200 IRI members are involved in IRI’s 10 active committees.

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Last year IRI hosted four conferences, engaging more than 900 attendees throughout the year. With a resurgence of sponsor and exhibitor activity in 2013, IRI welcomed more than 40 exhibitors and 60 sponsors in support of IRI events.

Membership Breakdown

The following companies were ratified for IRI Membership

by the Board of Directors in 2013:

Insurers:Delaware LifeGreat American Insurance GroupHorace Mann Insurance Co.VALICWestern National Life

Distributors/Broker-Dealers:American PortfoliosBedrock Business Results, LLCCambridge Investment ResearchCrossroads Capital Group, LLCGamePlan Financial MarketingI-PensionKey Investment Services, LLCPAX World Management, LLCSovereign Legacy Securities, Inc.Stifel, Nicolaus, and Co., Inc.Wunderlich Securities

Asset Managers:Eastspring Investments

Solution Providers:Adams & Knight, Inc.Adobe EchosignAria Retirement SolutionsBrainshark, Inc.BrightScopeDeloitte Consulting, LLPEarthIntegrateEfficient Markets CorporationGallant Distribution ConsultingGroom Law GroupHewitt EnnisknuppiPipelineKehrer Saltzman & AssociatesPractical PerspectivesRetirement Income Network Vertafore

Insurers

Asset Managers

Solution Providers

Distributors/Banks/

Broker-Dealers

27%

27%

23%

23%

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Educational ResourcesAs part of IRI’s ongoing mission to develop and promote educational resources to improve value delivery for advisors, external stakeholders and their consumers alike, IRI has continued to produce unbiased and relevant resources to keep members current on important updates and enhance their industry knowledge.

IRI Insight Reaching more than 200,000 financial professionals, Insight is IRI’s educational newsletter, featuring consumer research, industry trends, and practice management tips and resources. In August, Financial Planning magazine readers rated Insight the highest for informational value and called it “attention-getting.” In addition, more than one-third of readers took or planned to take action based on information provided in the Insight.

Consumer Retirement Education Initiative Developed and deployed in the fourth quarter of this year, IRI built an online resource to partner with state insurance departments to share educational resources with consumers in their state.

RICPTM Developed and marketed in partnership with The American College, the Retirement Income Certified Professional TM

designation is the leading certification within the retirement income industry.

FINRA-Reviewed Client Resources IRI developed and offered 12 new FINRA-reviewed client resources to increase awareness and understanding of industry trends and retirement income planning for clients of our 150,000 affiliated financial advisors. In total, IRI now provides more than 50 of these resources. Distribution of these resources increased 17.5 percent in 2013.

IRI-RegEd Annuity Training Platform IRI worked with RegEd to develop the industry’s largest and most comprehensive annuities training platform. The ATP has delivered education to tens of thousands of advisors nationally.

Webinars Last year, 3,000 financial professionals registered and accessed IRI continuing education webinars. Webinar partners have included non-profit and government agencies, including WISER, Consumer Financial Protection Bureau (CFPB), Social Security Administration, and the Centers for Medicare and Medicaid Services.

Research Library IRI features a robust research library on its members only website, offering the latest economic commentary and data from across the insured retirement industry as well as IRI’s exclusive studies and research publications.

Public Policymaker Resource Center Newly launched in the fourth quarter of this year, IRI created a one-stop online resource to provide research and publications for Congress, state legislators, and regulators to better understand the insured retirement industry and educate consumers.

Research Library

IRI Insight

IRI-RegEd Annuity Training

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MyIRIonline.org Our premier “Members Only” website relaunched in January 2013. The new website offers improved navigation and search functionality, is mobile ready, offers access to all of IRI’s print and electronic publications, and provides new content areas including public policy centers catered to meet the needs of financial advisors and broker-dealer/distributor members. Over the last three years traffic to the site has nearly doubled: from 33,800 visits in 2011, to 64,420 visits in 2013.

IRIonline.org IRI completed an overhaul and redesign of its public website – the association’s primary engagement tool for media, academia, non-members, policymakers and regulators about the importance of retirement readiness, to promote retirement security issues and to advance shared industry priorities.

RetireOnYourTerms.org The online extension of the IRI-led National Retirement Planning Coalition, this website serves as the central repository of Coalition resources for consumers.

IRIonline.org

myIRIonline.org

RetireOnYourTerms.org

IRI’s Public-Facing and Members Only Website

2013 was a watershed year for IRI in terms of online offerings. In January IRI unveiled its new members only site, myIRIonline.org. In October IRI went live with a retooled version of the public-facing site, IRIonline.org.

Both websites offer:

• Upgraded retirement planning tools and calculators for consumers and financial professionals

• Backgrounders on public policy issues affecting the insured retirement industry and retirement planning in America

• Vast research studies from IRI’s research portfolio

• Quarterly industry-wide annuity sales reports

• Resources to understand the regulatory oversight and taxation of annuities

• New Industry Perspectives video series

MyIRIonline.org Traffic Growth

2011-2013

During the last two years, the traffic to IRI’s Members Only

Website has nearly doubled.

2011 2012 2013

30k

60k

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Research

IRI’s Consumer Research has been

featured in consumer press, including but

not limited to:

NBC Nightly News

USA Today

The Associated Press

New York Times

Washington Post

Wall Street Journal

NY Daily News

Los Angeles Times

Chicago Tribune

NPR

TIME

U.S. News & World Report

Fox News

SmartMoney

MSN Money

MSNBC

CNBC

Forbes

AOL Jobs

CBS News

Jean Chatsky’s Daily Finance

Yahoo Finance

The Boston Globe

San Francisco Chronicle

The Baltimore Sun

Miami Herald

Reuters

In 2013 IRI delivered 21 pieces of thought leadership and research, focusing on industry and consumer issues and trends – highlighting practice management implications and marketplace opportunities for the industry.

More than a dozen key Members of Congress issued statements and letters of support regarding the importance of retirement security, during National Retirement Planning Week, which is planned in conjunction with the launch of IRI’s industry-leading research on Baby Boomers.

Most notably this year, Senator Maria Cantwell (D-Wash.) sourced IRI research in a letter she sent to the Senate Finance Committee regarding the importance of tax deferral and retirement preparedness.

Economic Commentary Leveraging the deep knowledge and resource base of our Asset Manager community, IRI features the latest economic commentary on the members only website. These resources are promoted to both home office and financial advisor members, and are among the most highly accessed resources in the research area of our website.

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Exclusive IRI Research Publications in 2013

Guaranteed Lifetime Income Options within Employment-Based Plans A study pinpointing guaranteed lifetime income options offered within employer-provided defined contribution plans as an opportunity to address emerging retirement security challenges.

Tax Policy and Boomer Retirement Saving Behaviors A report showing that middle-income Boomers would be less likely to save for retirement if taxes are increased or if tax incentives for retirement savings are reduced or eliminated.

Broker/Dealers, Financial Advisors & Clients: Annuities and the Regulatory Environment Findings from this study show that maintaining state insurance licenses across multiple jurisdictions is a regulatory obstacle that could impede the sale of retirement income products.

Boomer Expectations for Retirement 2013: Third Annual Report on Retirement Preparedness of the Boomer Generation IRI released its third annual report on the retirement preparedness of the Boomer generation. It revealed that Boomers working with advisors are more confident and engaged with retirement planning.

Women and Financial Advising Careers: Perspectives and Priorities Research identifying strategies to recruit women to the financial advising field. Presently only three in 10 advisors are female, but 70 percent of women would prefer to work with a female advisor.

The Great Divide: Financial Comparison of Early and Late Boomers’ Retirement Preparedness How different workplace experiences and employee benefit histories are causing a great divide among early and late Baby Boomers regarding their financial security and outlook on retirement.

Deferred Income Annuities: Insuring Against Longevity Risk Research exploring the development and introduction to the annuities market of deferred income annuities (DIAs), which are experiencing rapid sales growth and are being offered by an expanding group of insurers.

Post-Windsor Retirement Planning for Same-Sex Couples In the wake of the DOMA ruling, this study provided the first look at same-sex couples’ retirement planning attitudes and behaviors.

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Current NRPC members (excluding

IRI member participation) include:

American Benefits Council

The American College

ACLI American Council

of Life Insurers

AICPA American Institute of Certified

Public Accountants

ASEC American Savings Education Council

ASR Americans for Secure

Retirement

The Aspen Institute

AFCPE Association for Financial Counseling, Planning,

Education

Center for Retirement Research at Boston College

CFA Institute

DCIIA Defined Contribution

Institutional Investment Association

OutreachIRI continues to partner with impartial independent influencers to engage external audiences on the importance of retirement readiness.

National Retirement Planning Coalition (NRPC) The NRPC is led by IRI and was formed by a group of prominent education, consumer advocacy and financial services organizations to raise public awareness of the need for comprehensive retirement planning. The Coalition recognizes that the need to educate Americans on retirement planning is an ongoing effort and is committed to making this a national priority. The NRPC maintains the RetireOnYourTerms.org website, leads National Retirement Planning Week efforts, and in 2013, embarked on a six-month consumer education effort. NRPC 2013 outreach and engagement efforts reached an audience of 130 million.

Media Value Since 2009, IRI external communications efforts have earned more than $40 million in positive media for the insured retirement industry. This year alone, IRI has advanced member priorities through national media, increasing our audience reach by 30 percent from 2012, totaling 180 million impressions to date compared to 138 million throughout all of last year.

Joe Coughlin offers expert insight at Vision: IRI Annual Meeting 2013.

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Current NRPC members (excluding

IRI member participation) include:

EBRI

Employee Benefit Research Institute

Federal Citizen Information Center FCIC of the U.S. General

Services Administration

FSI Financial Services Institute

FSR Financial Services Roundtable

Financial Industry Regulatory Authority FINRA Investor

Education Foundation

Jump$tart Coalition [IRI is a Member of the Jump$tart

Board of Directors]

NAFA National Association for

Fixed Annuities

NEFE National Endowment for

Financial Education

NICSA

WISER Women’s Institute for a

Secure Retirement

WorldatWork

Impartial Influencer CollaborationsOver the past several years, IRI has partnered with a wide array of academia, consumer groups, non-profits and government agencies to advance retirement planning awareness. Some of our involvement with high-impact consumer engagement activities include:

• U.S. Department of Veterans Affairs New in 2014, IRI will promote retirement planning education for America’s servicemen and women through an engagement program with the VA.

• Administration on Aging (AoA) IRI partnered on the World Elder Abuse Awareness campaign by creating a toolkit for IRI members, and providing resources to AoA to leverage nationally. IRI’s CEO also participated in a White House event on the subject.

• Social Security Administration (SSA) For two years running, IRI has partnered with SSA on educational webinars regarding claiming strategies, resources and the like – and has collaborated on the dissemination of resources on the subject.

• Centers for Medicare and Medicaid Services (CMS) IRI partnered with CMS on a webinar and dissemination of resources on the Medicare program and planning for health care costs in retirement.

• SEC Office of Investor Education and Advocacy: IRI has worked closely with this office regarding National Retirement Planning Week efforts, and had the head of the office speak at an IRI event to promote educational resources.

• Government Accountability Office (GAO) The GAO has participated and collaborated with IRI during National Retirement Planning Week.

• Office of Comptroller of the Currency This year the Office worked with IRI to promote consumer resources during National Retirement Planning Week.

• Federal Citizen Information Center (FCIC) of the U.S. General Services Administration Because of IRI efforts, the FCIC joined the National Retirement Planning Coalition and has been active in supporting the efforts of the group.

• The Federal Reserve Board and The George Washington University Both the Fed and GWU have been supportive of the NRPC, hosting events in conjunction with IRI-led education and outreach work, and have included IRI leaders as speakers at several of their events.

• Financial Industry Regulatory Authority (FINRA) Investor Education Foundation This year IRI worked closely with the Foundation to create approved consumer materials to provide education on retirement planning and related issues.

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AdvocacyAs the voice and advocate for the industry on legislative and regulatory matters in Washington and the states, IRI works to keep its members updated on public policy developments and delivers expert resources to stay informed on the important issues impacting their businesses, while providing policymakers with information on the issues affecting retirement income in America.

This year, IRI established the Champion of Retirement Security Award to recognize outstanding public policymakers who support and advance policies that enhance retirement security in America. At the inaugural ceremony in December, IRI honored Senators Ben Cardin (D-Md.) and Rob Portman (R-Ohio) for their years of bipartisan leadership that have been essential to promoting the retirement savings industry.

IRI reached over 175 members of Congress or congressional offices through Capitol Hill meetings or briefings regarding tax reform, Department of Labor Fiduciary Initiative, NARAB II and other retirement legislation.

To protect the current tax treatment of annuities, IRI advocated before the House Ways and Means Committee about the importance of the current tax treatment of annuities as a part of the Committee’s work on tax reform. IRI also worked through Americans to Protect Family Security, Coalition to Preserve Retirement, and the Retirement Savings Network to protect the current treatment of annuities.

The association advocated before the SEC that any new uniform fiduciary standard should enhance investor protection, preserve consumer choice in products and services, and promote consumer access to products and services.

A top priority for the association, IRI continues to coordinate its Department of Labor fiduciary advocacy efforts with a large coalition of financial services and retirement trade associations.

To promote efficient and cost-effective licensing of financial advisors across the nation, IRI provided testimony earlier this year for a Senate Banking Committee Hearing in support of NARAB II and worked to help pass the bill in the House by a vote of 397-6.

Last year the association

provided the IRI Fact Book and IRI

research reports to

>190 Members of Congress

on

6 Committees of

Jurisdiction

18 FINRA Senior

Officials

52 State Insurance Commissioners

51 State Securities Commissioners IRI made regulatory presentations to over

100 state insurance regulators during 2013.

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IRI successfully secured NAIC’s finding that the current consumer protection rules relating to annuities apply to and are adequate for Contingent Deferred Annuities (CDAs), and defeated an effort to expand the review of the financial solvency rules CDAs to include unnecessary and time consuming testing.

IRI successfully advocated for the Department of Labor to issue a proposal requiring lifetime income illustrations on participant benefit statements and provided key input on how to develop and implement the rule.

In an effort to identify policy and research initiatives that will advance lifetime income strategies, IRI hosted its first Retirement Plan Summit— bringing together key players from the retirement businesses of IRI member companies.

Catherine Weatherford, Sen. Ben Cardin, Sen. Rob Portman and Michael Falcon at the Inaugural Champion of Retirement Security Awards, which honored Cardin and Portman.

Key Policy Priorities

✓ Protecting Tax Deferral for Retirement Savings

✓ Department of Labor (DOL)Fiduciary Role

✓ Multistate Insurance Licenses for Advisors (NARAB II)

✓ Regulations of Contingent Deferred Annuities (CDAs)

✓ SEC Fiduciary Standard

New Educational Resources

1. IRI Trackers monitor laws and regulations across the states

2. Policymaker Resource Center with research and publications for legislators and regulators

3. Retirement Readiness Forum for regulators at the NAIC Fall Meeting

4. Consumer Retirement Education Initiative, in which IRI partners with regulators to help educate consumers

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Operations and TechnologyThe Operations and Technology Group is an extremely active and committed group of industry experts. Through the leadership of the Operations and Technology Senior Steering Committee, a great deal has been accomplished in the last 12 months, and tremendous opportunities for bettering the industry are being worked on currently and into the future.

The greater Operations and Technology member base now consists of more than 477 individuals (nearly a 20 percent increase from 2012), representing all key carriers, broker-dealer/distributors and solution provider organizations. This group is guided by the Operations and Technology Steering Committee, which consists of 32 top Operations and Technology senior managers from our member firms.

Operations and Technology has six working groups in the following areas: Framework and Conformity, Replacements Automation, In-Force Transactions, Question Standardization, eSignature Standardization, and Conference Planning. Almost 300 individuals participate across all six working groups.

Recent Working Group Accomplishments

• Framework & Conformity Expanded the mission of the group to include an industry inclusive management of the Product Profile for Annuities (PPfA), Straight Through Processing (STP) Framework and Data Conformity. Its goals are to further advance both the PPfA and STP Framework.

• Replacement Automation Work Group Folded Deloitte Work Group into IRI Work Group, focused drive for the DTCC 1035 solution, identified building block solutions for 1035’s. Rolled out first 1035 Building Block Solution in the form of 1035 Yellow Pages Lite Ceding Carrier Database. Held the first industry 1035 Automation Summit to further define automation road map for industry. Developed Replacement Maturity Model and Standard Replacement Flow as tools to identify areas where enchantment and improvements are required.

• Question Standardization Built first consensus working group across operations, technology, legal and compliance across member base to create common set of questions for multiple scenarios to improve and shorten the advisor order entry experience. Created modeling tool to document scenarios, cross-member questions and linking process for facilitating standardization. Held Question Standardization Modeling Summit.

• In-Force Transaction Working Group Created Working Group to bridge gap between competing industry providers of In-Force solutions, in order to create a standard work flow and generate a new post-new business flow stream for the STP Framework.

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Member Communications

In the member communications arena, the Operations and Technology Group publishes the following:

✓ Sounding Board A monthly communication aimed at bringing up-to-the-minute relevant news to members in the operations and technology community.

✓ Innovation Xchange A biannual publication focused on industry innovation.

✓ Solutions Perspectives Each exhibition spotlights specific industry issues or points of interest.

✓ Briefing Papers These broader papers address industry direction and perspectives.

✓ Other Contributions In addition, Operations and Technology Group contributes articles to the IRI Digest and Insight publications.

New in 2014:

Produced jointly by:

Industry leaders discuss innovation opportunities around replacement processing.

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Board of DirectorsJohn L. Carter Chairman President & COO, Nationwide Retirement Plans Nationwide Financial

Robert J. Moore ViCe Chairman President LPL Financial

John Papadopulos Treasurer President, Wells Fargo Retirement Wells Fargo & Company

Thomas F. Streiff seCreTary EVP, Retirement Product Manager PIMCO

Catherine J. Weatherford PresidenT President and CEO Insured Retirement Institute (IRI)

Maliz Beams CEO ING U.S. Retirement

William Benjamin CEO U.S. Bancorp Investments Inc. & U.S. Bancorp Insurance Services

Mitchell Caplan CEO Jefferson National Financial

Greg P. Cicotte President Jackson National Life Distributors

Robert DeChellis President & CEO, Allianz Life Financial Services Allianz Life Insurance Company of North America

Michael Falcon Global Head of Retirement, Managing Director J.P. Morgan Asset Management

Bruce Ferris ** President Prudential Annuities Distribution

Lynne Ford ** EVP, Head of Distribution Calvert Investments, Inc.

Elizabeth M. Forget Senior Vice President, MetLife Americas Retail Division MetLife

Will H. Fuller President Lincoln Financial Group Distributors

Benjamin Huneke Managing Director, Head of Investment Solutions Morgan Stanley Wealth Management

Nick Lane ** Senior Executive Director, Head of U.S. Life and Retirement AXA Equitable

Drew Lawton Senior Managing Director, Head of Retirement Solutions New York Life Investments

William F. Loehning EVP, Insurance Relationship Management Fidelity Investments Institutional Services

William Lowe President Sammons Retirement Solutions

Paula Nelson ** Executive Vice President, Head of Annuity Distribution Forethought Financial Group

Caroline O’Connell Chief Strategy Officer, Managing Director Pershing LLC, a BNY Mellon Company

Michael Perry Managing Director & Head of Wealth Management Advice & Platforms UBS Financial Services, Inc.

Michael Saliba Managing Director, Strategic Alliances Group BlackRock

Thomas Swank President & CEO, Individual Savings & Retirement Transamerica

David C. Tyrie Managing Director, Head of Retirement & Personal Wealth Solutions Global Wealth & Retirement Solutions, Bank of America Merrill Lynch

Edward Van Dolsen EVP & President, Retirement & Individual Financial Services TIAA-CREF

Marc Vosen CEO Key Investment Services

**At-large member of the IRI Executive Committee, which includes IRI officers.

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IRI Staff ContactsCathy Weatherford President & CEO 202-469-3012

Jason Berkowitz Vice President, Regulatory Affairs & Compliance 202-469-3014

Andy Browne Member Services Manager 202-469-3006

Adrian Coleman Accounts Receivable & Accounts Payable Specialist 202-469-3010 Lee Covington Senior Vice President & General Counsel 202-469-3002

Clare Erslev Visual Marketing Specialist 202-469-3017

Tony Gorham Director of Operations & Technology 202-469-3020

Alex Gray Communications & Marketing Specialist 202-469-3018

Danielle Holland Senior Vice President, Communications, Marketing & Research 202-469-3007

Barbara Hume Vice President, Membership 202-469-3008

Mike Lenn Vice President, Federal Affairs 202-469-3003

Elizabeth Maddox Director of Meetings & Conferences 202-469-3016

Christopher McDaniel Senior Vice President, Operations & Technology 202-469-3022

Thyra Nast Legislative & Regulatory Specialist 202-469-3011

Gwen Roby Director of Administration & Operations 202-469-3012

Andrew Simonelli Director, Communications & Marketing 202-469-3009

Alexis Stangarone Administrative Assistant 202-469-3004

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IRI Member CompaniesAllianz Life Insurance Company

AllState Insurance Company

American General Life Companies

Ameriprise Financial Services

Athene Annuity & Life Assurance

AXA Equitable

Commonwealth Annuity & Life Insurance

Delaware Life

Fidelity Investments Life Insurance Company

Forethought Financial

Genworth Financial

Great American Insurance Group

Great-West Life and Annuity Insurance Company

Guardian Insurance & Annuity Co.

Horace Mann Life Insurance Co.

ING Retirement

Jackson National Life

Jefferson National

Lincoln Financial Group

MassMutual Financial Group

MetLife

Nationwide Financial

New York Life Insurance Company

Ohio National Financial Services

Pacific Life Insurance Company

Protective Life Insurance Company

Prudential Financial

RiverSource

Sammons Financial Group

Securian

Security Benefit

State Farm Life Insurance Company

SunAmerica Retirement Markets

Symetra Financial

Thrivent Financial for Lutherans

TIAA-CREF

Transamerica

USAA Life Insurance Company

VALIC

Western & Southern Financial Group

Western National Life

Advisor Group

American Portfolios Financial Services

Cambridge Investment Research, Inc.

Charles Schwab and Co., Inc.

Crossroads Capital Group LLC

CUNA Mutual Insurance Society

Edward Jones

First Allied Securities, Inc.

GamePlan Financial Marketing

Incapital, LLC

I-Pension

Janney Montgomery Scott, LLC

Key Investment Services

LPL Financial

M Financial Group

Merrill Lynch Global Wealth Management

Morgan Stanley Smith Barney

National Financial Services, LLC

National Planning Holdings, Inc.

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NPB Financial Group LLC

Oppenheimer & Co.

Park Avenue Securities

PAX World Management, LLC

Pershing LLC

PKS Financial

PNC Bank

Producers Choice Network

ProEquities

Raymond James Insurance Group

Robert W. Baird & Co., Inc.

Sanders Morris Harris

Southwest Securities

Sovereign Legacy Securities, Inc.

Summit Brokerage Services, Inc.

SunTrust Investment Services, Inc.

U.S. Bancorp

U.S. Retirement Partners

UBS Financial Services Inc.

WealthVest Marketing

Wells Fargo & Company

Wunderlich Securities

AllianceBernstein

Allianz Global Investors

ALPS Advisors

American Century Investments

BlackRock

BNY Mellon Asset Management Strategic Business Development

Calvert Investments

Capital Group Companies

Cohen & Steers Capital Management, Inc.

Columbia Management Distributors, Inc.

Dreyfus

DWS Investments

Eastspring Investment

Eaton Vance Distributors, Inc.

Federated Investors

Fidelity Investments

Franklin Templeton Investments

Goldman Sachs Asset Management

Invesco

Ivy Funds

Janus Capital Group

Jennison Associates

JP Morgan Asset Management

Legg Mason, Inc.

Lord, Abbett & Co.

MFS Investment Management

Morgan Stanley Investment

Neuberger Berman Management, Inc.

OppenheimerFunds, Inc.

Pacific Investment Management Company (PIMCO)

Putnam Investments

Schroder Investment Management

Scout Investments

State Street Global Advisors

T. Rowe Price Group, Inc.

UBS Global Asset Management (Americas) Inc.

Van Eck Global

Vanguard Group, Inc.

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IRI Member CompaniesVirtus Investment Partners, Inc.

Wellington Management Company, LLP

AARP Services

ACORD

Aite Group

Allego, Inc.

Aplifi/iPipeline

Beacon Research, Inc.

Brainshark, Inc.

BrightScope

Broadridge Financial Solutions Inc.

CANNEX Financial Exchanges

Cerulli Associates

CIC (Communication Intelligence Corporation)

Cogent Research

Cooperative Technologies, Inc.

Dechert LLP

Deloitte Consulting

Drinker Biddle & Reath LLP

DTCC (The Depository Trust & Clearing Corporation)

EbixExchange

ExlService Holdings, Inc.

Gallant Distribution Consulting

Groom Law Group

Insurance Technologies

Jorden Burt LLP

Kehrer Saltzman & Associates

Meridian-IQ

Merrill Corporation

Milliman, Inc.

Morningstar, Inc.

Oracle USA, Inc.

PaperClip, Inc.

Practical Perspectives

RegEd

REP.

SE2

SourceMedia

Sutherland Asbill & Brennan LLP

U.S. Securities & Exchange Commission

Vertafore

VERTEX, Inc.

Adams & Knight, Inc.

Corporate Insight, Inc.

CSC Financial Services Group

DST Systems, Inc.

EarthIntegrate

Ernst & Young

General Re-New England Asset Management, Inc.

Hewitt EnnisKnupp

IXI Corporation

K & L Gates LLP

Lansare Corporation

Locke Lord Bissell & Liddell LLP

Mitchell, Williams, Selig, Gates & Woodyard

Princeton Financial Systems

Retirement Income Network

RR Donnelley

Thomson Reuters

Wilbanks Partners, LLC

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Mark your calendar for these future IRI Conferences:

IRI Marketing Summit 2014March 23-25, 2014New York Hilton MidtownNew York, NY

IRI Ops & Tech 2014May 19-21, 2014Gaylord Palms Resort & Convention CenterKissimmee, FL

IRI Government, Legal & Regulatory Conference 2014June 29 – July 1, 2014JW Marriott WashingtonWashington, DC

Vision: IRI Annual Meeting 2014 September 28 – 30, 2014Colonial Williamsburg ResortWilliamsburg, VA

IRI Marketing Summit 2015March 25-27, 2015Gaylord National Resort & Convention CenterFort Washington, MD

IRI Government, Legal & Regulatory Conference 2015June 28 – June 30, 2015JW Marriott WashingtonWashington, DC

Vision: IRI Annual Meeting 2015 September 27-29, 2015Charleston Place HotelCharleston, SC

Upcoming Events

1101 New York Avenue NW, Sutie 825, Washington, DC 20005 | 202-469-3000

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