ZURICH AMERICAN INSURANCE COMPANY for ZURICH AMERICAN INSURANCE COMPANY

Trade (domestic/foreign) TRD

Discussions related to U.S.-EU negotiations on covered agreements. Discussions related to proposals to facilitate and promote competitive financial services markets (Trans Pacific Partnership {TPP}, Transatlantic Trade and Investment Partnership {TTIP}, Trade Promotion Authority {TPA}, Trade in Services Agreement {TISA}). Discussions on insourcing and foreign direct investment. Implementation of Pub. Law No. 114-26, provisions on Trade Promotion Authority. General discussions in support of covered agreements.

Foreign entity interest: Zurich Insurance Group - interests are those of parent company.

Contacted: Homeland Security, Dept of (DHS); Commerce, Dept of (DOC); HOUSE OF REPRESENTATIVES; Labor, Dept of (DOL); SENATE; Executive Office of the President (EOP); Treasury, Dept of

Agriculture AGR

Discussions in support of the preservation of the Federal Crop Insurance Program. H.R. 1314, Bipartisan Budget Act of 2015, provisions on the Federal Crop Insurance Program. H.J. Res. 78, Continuing Appropriations Act, 2016, provisions on the Federal Crop Insurance Program. H.R. 22, Fixing America's Surface Transportation Act (FAST Act), provisions on the Federal Crop Insurance Program.

Foreign entity interest: Zurich Insurance Group - interests are those of parent company.

Contacted: Labor, Dept of (DOL); SENATE; Executive Office of the President (EOP); Treasury, Dept of; HOUSE OF REPRESENTATIVES; Commerce, Dept of (DOC); Homeland Security, Dept of (DHS)

Bills named: H.R. 22 (114th), H.J.Res. 78 (114th), H.R. 1314 (114th)

Transportation TRA

General discussions on rail and commercial motor carrier safety, including Positive Train Control implementation dates. Discussions on commercial motor carrier issues around insurabilty of vehicles and treatment of data, specifically related to commercial automotive. General discussions on drone deployment and insurance related issues. H.R. 1371, Safer Trucks and Buses Act of 2015. H.R. 3763, Surface Transportation Reauthorization and Reform Act of 2015.

Foreign entity interest: Zurich Insurance Group - interests are those of parent company.

Contacted: Homeland Security, Dept of (DHS); HOUSE OF REPRESENTATIVES; Labor, Dept of (DOL); Executive Office of the President (EOP); Commerce, Dept of (DOC); SENATE; Treasury, Dept of

Bills named: H.R. 3763 (114th), H.R. 1371 (114th)

Taxation/Internal Revenue Code TAX

Implementation of the Foreign Account Tax Compliance Act of 2009 (specifically, reporting and designation requirements for insurance and content/scope of intergovernmental agreements to implement), as included and passed in the Hiring Incentive to Restore Employment (HIRE) Act. Discussions related to amending the Internal Revenue Code of 1986 by altering the tax treatment of legitimate foreign affiliate reinsurance transactions undertaken by U.S. subsidiaries of foreign parent companies, including provisions in Administration's 2016 Budget Proposal, issues related to highway authorization, 9/11, and H.R. 2029, Consolidated Appropriations Act, 2016. Proposals to alter tax code treatment of life insurance products, specifically COLI and DRD provisions. General discussion of tax code reform, specific to P&C insurance and individual/corporate rates. Discussions related to inversion as it concerns implications for foreign subsidiaries. S. 1561, Captive Insurers Clarification Act. H.R. 721/S. 637, Short Line Railroad Rehabilitation and Investment Act of 2015. Tax credits for apprenticeships, including: S. 959/S. 2020, Apprenticeship and Jobs Training Act of 2015; H.R. 1781, Workforce Development Tax Credit Act of 2015; H.R. 2431, On-the-Job Training Tax Credit Act of 2015; H.R. 2029, Consolidated Appropriations Act, 2016, tax provisions.

Foreign entity interest: Zurich Insurance Group - interests are those of parent company.

Contacted: Labor, Dept of (DOL); Treasury, Dept of; Commerce, Dept of (DOC); Homeland Security, Dept of (DHS); HOUSE OF REPRESENTATIVES; SENATE; Executive Office of the President (EOP)

Bills named: S. 1561 (114th), S. 959 (114th), H.R. 2431 (114th), H.R. 2029 (114th), H.R. 1781 (114th), S. 2020 (114th), H.R. 721 (114th), S. 637 (114th)

Insurance INS

Implementation of Public Law No. 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically, provisions on risk, insurance oversight (Federal Insurance Office), and potential CFPB activities related to P&C insurance. Discussions on U.S. and global designation of systemically relevant non-bank financial firms. General discussions on Insurance Capital Investment. General discussions on Commercial Insurance regulation. General issues related to resilience and mitigation, as related to P&C insurance. Legislation and proposals regarding natural catastrophe related policies. Legislation and proposals regarding the insurability of cyber exposures, including: S.456, Cyber Threat Sharing Act of 2015; S.754, Cybersecurity Information Sharing Act of 2015; H.R.1560, Protecting Cyber Networks Act; H.R.234, Cyber Intelligence Sharing and Protection Act; S.177, Data Security and Breach Notification Act of 2015; H.R.580, Data Accountability and Trust Act; H.R. 1704, Personal Data Notification and Protection Act; H.R. 2205/S. 961, Data Security Act of 2015; and H.R. 2029, Consolidated Appropriations Act, 2016, cybersecurity provisions. General discussions on issues related to Surety Bonds, including: surety provisions in public-private partnerships; H.R. 413, Partnership to Build America Act of 2015; S. 1526, Construction Consensus Procurement Improvement Act of 2015; H.R. 1735/S. 1376, National Defense Authorization Act for Fiscal Year 2016, provisions on construction procurement. Implementation of Pub. L. No. 1144, Terrorism Risk Insurance Program Reauthorization Act of 2015, data collection provisions and control/ownership clarifications. Legislation and proposals regarding the development of international capital standards for internationally-active insurance groups, including: S. 1484, Financial Regulatory Improvement Act; S. 1086, International Insurance Capital Standards Accountability Act of 2015; H.R. 2141, International Insurance Standards Transparency and Policy Protection Act of 2015; S. 1491, Community Lender Regulatory Relief and Consumer Protection Act of 2015; H.R. 2995, Financial Services and General Government Appropriations bill for Fiscal year 2016; S. 798/H.R. 1478, Policyholder Protection Act of 2015. H.R. 3794, Nonprofit Property Protection Act.

Foreign entity interest: Zurich Insurance Group - interests are those of parent company.

Contacted: Labor, Dept of (DOL); Treasury, Dept of; Commerce, Dept of (DOC); Homeland Security, Dept of (DHS); Executive Office of the President (EOP); SENATE; HOUSE OF REPRESENTATIVES

Bills named: S. 456 (114th), S. 1491 (114th), S. 754 (114th), S. 1086 (114th), S. 1376 (114th), S. 961 (114th), H.R. 580 (114th), S. 177 (114th), H.R. 2205 (114th), H.R. 2029 (114th), H.R. 413 (114th), S. 798 (114th), H.R. 2995 (114th), H.R. 1735 (114th), S. 1526 (114th), H.R. 1478 (114th), S. 1484 (114th), H.R. 234 (114th), H.R. 3794 (114th), H.R. 1704 (114th), H.R. 1560 (114th), H.R. 2141 (114th)

Government Issues GOV

General discussions related to the lawful advocacy activities of U.S. subsidiaries of foreign parent companies.

Foreign entity interest: Zurich Insurance Group - interests are those of parent company.

Contacted: Labor, Dept of (DOL); HOUSE OF REPRESENTATIVES; Homeland Security, Dept of (DHS); Commerce, Dept of (DOC); Executive Office of the President (EOP); SENATE; Treasury, Dept of

Energy/Nuclear ENG

General discussions related to EPA regulatory actions, carbon standards for stationary sources and mobile sources for greenhouse gas, domestic natural gas and crude production exports, energy grid resilience, and proposals on crude by rail.

Foreign entity interest: Zurich Insurance Group - interests are those of parent company.

Contacted: Homeland Security, Dept of (DHS); Labor, Dept of (DOL); SENATE; Executive Office of the President (EOP); HOUSE OF REPRESENTATIVES; Commerce, Dept of (DOC); Treasury, Dept of

Labor Issues/Antitrust/Workplace LBR

General discussions related to the modernization of the Medicare secondary payer process (specific to workers compensation liability), including H.R. 2649/S. 1514, Medicare Secondary Payer and Workers' Compensation Settlement Agreements Act of 2015. General discussions on improving outstanding War Hazard Act recoveries. General discussions on apprenticeships, including specific Illinois program, DOL's American Apprenticeship Initiative Grant program, and application for certified apprenticeship status.

Foreign entity interest: Zurich Insurance Group - interests are those of parent company.

Contacted: Executive Office of the President (EOP); Homeland Security, Dept of (DHS); SENATE; Treasury, Dept of; Commerce, Dept of (DOC); HOUSE OF REPRESENTATIVES; Labor, Dept of (DOL)

Bills named: S. 1514 (114th), H.R. 2649 (114th)