THE AMERICAN LAW INSTITUTEContinuing Legal Education

Conference onLife Insurance Company Products

Featuring Current SEC, FINRA, Insurance, Tax, andERISA Regulatory and Compliance Issues

November 12 - 14, 2014 Washington, D.C.

Table of Contents

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THE AMERICAN LAW INSTITUTEContinuing Legal Education

Conference onLife Insurance Company Products

Featuring Current SEC, FINRA, Insurance, Tax, and ERISARegulatory and Compliance Issues

November 12 - 14, 2014 Washington, D.C.

TABLE OF CONTENTS PagePROGRAM ixFACULTY PARTICIPANTS xi

STUDY MATERIALS

1. Primer on Regulation of Variable Annuity and Variable Life Insurance Products Underthe Federal Securities Laws By Stephen E. Roth

1

2. Cutting-Edge Insurance Product Designs and Regulatory Developments By Timothy C. Pfeifer 141

3. Recent Developments in the Index Annuity Marketplace By Stewart D. Gregg 149

4. New Generations of Deferred Income Annuities By Stephen E. Roth and Thomas E. Bissett 171

5. Smart Variable Annuities: The New Approach To Offering Dynamic Benefits andManaging Risk under Varible Annuity Products By Chip Lunde

205

6. Material Related to State Regulatory Developments Submitted by Michael L. Yanacheak 247

Bulletin 13-01 dated April 3, 2013 by Iowa Commissioner of Insurance regardingannuity illustrations 250Bulletin 13-03 dated October 21, 2013 by Iowa Commissioner of Insurance regardingIowa Annuity Disclosure Rule 255Bulletin 14-02 dated September 15, 2014 by Iowa Commissioner of Insurance regardinginsurance marketing organizations 256NAIC memo dated August 12, 2014 regarding separate account recommendations 258NAIC and ACLI/CAI charts comparing features of indexed linked variable annuity,MGA and conventional VA products 261Draft Actuarial Guideline IUL 268Comment Letters Regarding IUL Illustrations 271

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7. Material regarding SEC Enforcement Actions Submitted by Elizabeth G. Osterman 311

No-action letter issued to Invesco Advisers, Inc. (pub. Avail. April 8, 2014). 319In the matter of College Retirement Equity Fund and TIAA-CREF InvestmentManagement, LLC, (812-14305) (SEC Release Nos. IC-312048 and 31092). 323

8. Money Market Reform: The 2014 Amendments to Rule 2a-7 By Robert E. Plaze and Lauren Connolly 333

9. Current Issues in Litigation under Section 36(b) of the Investment Company Act of 1940 By John M. Baker and Ruth S. Epstein 365

10. Alternative Funds in The Registered Funds Marketplace By Alan R. Gedrich and Christopher J. Zimmerman 389

11. Commodity Pool Operator Regulation of Registered Funds and Their Advisers: TheNew Age of Dual Regulation By Ruth S. Epstein

403

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SEC and FINRA Compliance Examinations and Enforcement: Recent EnforcementActions, Current Examination and Enforcement Priorities, and Recommended BestPractices By John H. Walsh and Andrew M. McCormick

487

13. Industry Trends: Current Successes, Future Opportunities By Robert Kerzner 567

14. Reinsurance for New or Existing Life and Annuity Products By Ling Ling and B. Scott Burton 605

15. The Changing Regulatory Landscape By Eric R. Dinallo and Matthew J. Gaul 631

16. Material regarding Financial Stability Oversight Council Submitted by S. Roy Woodall, Jr. 649

Resolution Approving Final Determination regarding Prudential Financial, Inc. andsupervision by the Federal Reserve, FSOC, September 19, 2013, and DissentingOpinions of Certain Voting and Non-Voting Members of the FSOC

652

Comments by the FSOC’s Independent Insurance Member to the IAIS’s Notice ofRequest for Comment of August 4, 2014 675Department of the Treasury, FSOC Nonbank Designations – Frequently AskedQuestions 680

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17. The Use of Electronic Media To Distribute Variable Insurance Products:Relevant SEC and FINRA Pronouncements By Richard T. Choi

685

18. More Questions than Answers:Predictive Analytics in the Life Insurance Industry Today, A Company Perspective By Mallary Reznik

779

19. Key Legal and Ethical Obligations in Marketing and Selling Insurance Products By Pramit Das 791

20. The Best of Both Worlds: A Fact-Based Analysis of the Legal Obligations of InvestmentAdvisers and Broker-Dealers and a Framework for Enhanced Investor Protection By James S. Wrona

799

21. Citations to Publications Regarding Suitability and Related Topics By James S. Wrona 857

22. Framework Regarding FINRA's Approach to Economic Impact Assessment forProposed Rulemaking Submitted by James S. Wrona

869

23. Gatekeeper Liability of Life Insurance Company Inside Attorneys "Appearing" beforethe SEC By Gary O. Cohen

879

24. Recent Developments Affecting Annuity Products in Retirement Plans By Michael L. Hadley 933

25. Income Annuities-PPT-supplemental material By Alan Assner 947

26. Gatekeeper Liability of Life Insurance Company Inside Attorneys "Appearing" beforethe SEC-supplemental material By Stephen L. Cohen

957

27. Predictive Analytics for Life Insurance Companies-PPT-supplemental material By Todd Eyler 1007

28. Summary of Guidance; Letter to DOT; IRS Notice-supplemental material By Michael L. Hadley 1013

29. Industry Trends: Current Successes, Future Opportunities-PPT-supplementalmaterial By Robert Kerzner

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30. Cutting Edge Insurance Product Designs-PPT-supplemental material By Timothy C. Pfeifer 1067

31. Reinsurance for New or Existing Life and Annuity Products-PPT-supplementalmaterial By Scott Silverman, Ling Ling, and B. Scott Burton

1071

32. Data and Technology-Driven Innovation: Electronic Transactions and Consumer DataMining-PPT-supplemental material By Gerald Stegmaier, Lynn B. Barr, and Britanie Hall

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33. Underlying Funds on the Edge-PPT-supplemental material By Ruth S. Epstein 1093

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34. Smart Variable Annuities-PPT-supplemental material By Chip Lunde 1107

35. Regulation of Variable Products Under the Federal SecuritiesLaws-PPT-supplemental material By Stephen E. Roth and Richard T. Choi

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THE AMERICAN LAW INSTITUTE

Continuing Legal Education

Conference on

Life Insurance Company Products

Featuring Current SEC, FINRA, Insurance, Tax,

and ERISA Regulatory and Compliance Issues

November 12-14, 2014

Washington, D.C.

PROGRAM

(All Times Eastern Time)

Wednesday, November 12, 2014

4:00 p.m. Registration

6:00 p.m. The Insurance Product Securities Regulatory Framework: Introductory

Workshop with Conference – Messrs. Choi and Roth

8:00 p.m. End of Introductory Session

Thursday, November 13, 2014

7:30 a.m. Registration and Continental Breakfast

8:40 a.m. Welcome and Announcements

8:45 a.m. Introduction and Course Overview

9:00 a.m. Cutting-Edge Insurance Product Designs and Regulatory Developments,

including Fixed, Indexed-Linked, and Variable Annuities and Life Insurance,

and an In-Depth Look at the Latest De-Risking Strategies and Techniques

– Messrs. Assner, Gregg, Lunde, Pfeifer, and Yanacheak

10:30 a.m. Networking and Refreshment Break

10:45 a.m. Keynote Address: Norm Champ, Director, SEC Division of Investment

Management

11:15 a.m. Bullet-Proofing Your SEC Filings and Operations: A Dialogue with SEC

Senior Staff on Hot Button Disclosure, Exemptive, No-Action, Accounting, and

Rulemaking Issues and Developments – Mss. Monroe and Osterman and

Messrs. Hertzke, Kosoff, and Kotapish

12:15 p.m. Lunch Break

1:45 p.m. Critical Issues Affecting Underlying Funds and Their Utility in Variable

Insurance Products: Money Market Reform, Alternative Investment

Strategies, Sub-Advised Fund Fee Litigation, High-Frequency and Other

Algorithmic Trading, Pending SEC Rulemaking Projects, and Other Important

Developments – Mss. Brunsman, Epstein, Kelety, and ten Siethoff and Mr. Plaze

3:00p.m. Networking and Refreshment Break

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3:15p.m. SEC and FINRA Compliance Examinations and Enforcement: Recent

Enforcement Actions, Current Examination and Enforcement Priorities, and

Recommended Best Practices – Messrs. S. Cohen, Davis, diFlorio, Rufino,

and Walsh

4:30 p.m. Networking and Refreshment Break

4:45 p.m. A Focused Review of the Reinsurance Market and Key Negotiation Terms

Crucial to Insurance Product Innovation, Distribution, and Administration

– Ms. Ling and Messrs. Burton, Sareen, and Silverman

5:30 p.m. Adjournment for the Day; Networking Reception for Faculty and Registrants

Friday, November 14, 2014

7:30 a.m. Networking Session and Continental Breakfast

8:15 a.m. Keynote Address: Robert A. Kerzner, President and CEO, LIMRA

8:45 a.m. Doing Business in New York in Light of Recent Aggressive Enforcement and

Regulatory Initiatives and Other Significant State Insurance Regulatory

Developments and Initiatives – Ms. Pruitt and Messrs. Dinallo and Gaul

10:00 a.m. Networking and Refreshment Break

10:15 a.m. Perspectives on the FSOC and Significant Global Regulatory Initiatives

Affecting Life Insurers: S. Roy Woodall, Jr., Independent Member, FSOC, and

Carl B. Wilkerson, VP, ACLI

11:15 a.m. Data and Technology-Driven Innovation: Predictive Analytics,

Electronic and Telephonic Application and Order Processing, and Consumer

Data-Mining – Ms. Barr and Messrs. Eyler and Reznik

12:00 noon Lunch Break

1:30 p.m. Key Legal and Ethical Obligations in Marketing and Selling Insurance

Products: Advertising, Suitability, Supervision, Sales to Seniors, and Conflicts

of Interest, including a review of recent FINRA Regulatory Initiatives and Other

Distribution Matters – Messrs. G. Cohen, Das, and Wrona

2:45 p.m. Networking and Refreshment Break

3:00 p.m. Retirement Plans and Products: Implications of the Recently Adopted Final

Rule on Longevity Annuities, and Pending DOL Initiatives, including

Revisions to the Definition of Fiduciary Advice, the DC Plan Safe Harbor for

Annuity Provider Selection, and Other Important Developments

– Messrs. Bostick and Hadley and Ms. Pancoast

4:00 p.m. Adjournment

Total 60-minute hours of instruction: 14, including one full hour on ethics and professional

responsibility issues, accepted as such by most, but not all, MCLE jurisdictions.

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THE AMERICAN LAW INSTITUTE Continuing Legal Education

Conference on

Life Insurance Company Products Featuring Current SEC, FINRA, Insurance, Tax, and ERISA Regulatory and Compliance Issues

November 12-14, 2014

Washington, D.C.

PLANNING CHAIRS

Richard T. Choi, Esquire Carlton Fields Jorden Burt P.A. Suite 400 East 1025 Thomas Jefferson Street, NW Washington, DC 20007

Stephen E. Roth, Esquire Sutherland Asbill & Brennan LLP 700 6th Street, NW Washington, DC 20001

FACULTY Mr. Alan Assner Assistant Vice President, Annuity Product Strategy MetLife Retail Annuity Products 11225 N. Community House Road Charlotte, NC 28277 Lynne B. Barr, Esquire Goodwin Procter LLP 53 State Street Boston, MA 02109 George H. Bostick, Esquire Benefits Tax Counsel, Office of Tax Policy U.S. Department of the Treasury 1500 Pennsylvania Avenue, NW #3050 Washington, DC 20220

Theresa M. Brunsman, Esquire Counsel Invesco Advisers, Inc. Suite 3300 400 West Market Street Louisville, KY 40202 B. Scott Burton, Esquire Sutherland Asbill & Brennan LLP 999 Peachtree Street, NE Atlanta, GA 30309 Norm Champ, Esquire Director, Division of Investment Management U. S. Securities and Exchange Commission Suite 400 3 World Financial Center New York, NY 10281

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Gary O. Cohen, Esquire Carlton Fields Jorden Burt P.A. Suite 400 East 1025 Thomas Jefferson Street, NW Washington, DC 20007 Stephen L. Cohen, Esquire Associate Director, Division of Enforcement U. S. Securities and Exchange Commission 100 F Street, NE, # 5221 Washington, DC 20549-2000 Mr. Pramit Das Assistant Director of Advertising Regulation Financial Industry Regulatory Authority (FINRA) 9509 Key West Avenue Rockville, MD 20850 Mr. Willie Davis Assistant Regional Director U.S. Securities and Exchange Commission Suite 900 175 W. Jackson Boulevard Chicago, IL 60604 Carlo V. di Florio, Esquire Chief Risk Officer and Head of Strategy Financial Industry Regulatory Authority (FINRA) 1735 K Street, NW Washington, DC 20006 Eric R. Dinallo, Esquire Debevoise & Plimpton LLP 919 Third Avenue New York, NY 10022 Ruth S. Epstein, Esquire Stradley Ronon Stevens & Young LLP 1250 Connecticut Avenue, NW Washington, DC 20036

Mr. Todd Eyler, CFA Research Director for Aite Group's Insurance Practice Aite Group, LLC Suite 501 101 Arch Street Boston, MA 02110 Matthew J. Gaul, Esquire Dentons US LLP 24th Floor 1221 Avenue of the Americas New York, NY 10020 Stewart D. Gregg, Esquire Senior Securities Counsel Allianz Life Insurance Company of North America 5701 Golden Hills Drive Minneapolis, MN 55416 Michael L. Hadley, Esquire Davis & Harman LLP Suite 1200 1455 Pennsylvania Avenue, NW Washington, DC 20004 Jon Hertzke, Esquire Assistant Director Risk & Examinations Office, Division of Investment Management U.S. Securities and Exchange Commission MS6628 100 F Street, NE Washington, DC 20549 Theresa K. Kelety, Esquire Vice President and Senior Counsel Mutual Fund Legal Department Voya Investment Management Suite 100 7337 East Doubletree Ranch Road Scottsdale, AZ 85258

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Mr. Robert A. Kerzner President and CEO LIMRA, LOMA and LL Global, Inc. 300 Day Hill Road Windsor, CT 06095 Michael L. Kosoff, Esquire Branch Chief, Division of Investment Management U.S. Securities and Exchange Commission 100 F Street, NE Washington, DC 20549 William J. Kotapish, Esquire Assistant Director Division of Investment Management Division of Investment Management U.S. Securities and Exchange Commission 901 E Street, NW Washington, DC 20549 Ling Ling, Esquire Sutherland Asbill & Brennan LLP Suite 700 700 6th Street, NW Washington, DC 20001 Chip Lunde, Esquire Carlton Fields Jorden Burt P.A. Suite 400E 1025 Thomas Jefferson Street, NW Washington, DC 20007 Ms. Megan Monroe Assistant Chief Accountant, Division of Investment Management U.S. Securities and Exchange Commission 100 F Street, NE Washington, DC 20549

Elizabeth G. Osterman, Esquire Associate Director and Deputy Chief Counsel, Division of Investment Management U.S. Securities and Exchange Commission MS 10-4 100 F Street, NE Washington, DC 20549 Abigail B. Pancoast, Esquire Vice President and Chief Counsel Lincoln Financial Group 150 N Radnor-Chester Road Radnor, PA 19087 Timothy C. Pfeifer, FSA Pfeifer Advisory LLC 5220 W Meagan Court Libertyville, IL 60048 Robert E. Plaze, Esquire Stroock & Stroock & Lavan LLP 1875 K Street, NW Washington, DC 20006 Jana Lee Pruitt, Esquire Executive Vice President Life Insurance Council of New York, Inc. (LICONY) 29th Floor 551 Fifth Avenue New York, NY 10176 Mallary Reznik, Esquire Senior Vice President and Deputy General Counsel AIG Life and Retirement 1999 Avenue of the Stars Los Angeles, CA 90067

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Mr. Michael G. Rufino Executive Vice President and Head of Member Regulation-Sales Practice Financial Industry Regulatory Authority (FINRA) One Liberty Plaza New York, NY 10006 Mr. Manu Sareen Chief Executive Officer Commonwealth Re 31 Victoria Street Hamilton HM 10, Bermuda 441/294-1875 Ms. Sarah ten Siethoff Assistant Director, Division of Investment Management U.S. Securities and Exchange Commission 100 F Street, NE Washington, DC 20549 Scott Silverman, Esquire Managing Director and General Counsel Global Atlantic Financial Company Suite 210 132 Turnpike Road Southborough, MA 01772 John H. Walsh, Esquire Sutherland Asbill & Brennan LLP 2nd Floor 1275 Pennsylvania Avenue, NW Washington, DC 20004

Carl B. Wilkerson, Esquire Vice President and Chief Counsel, Securities and Litigation American Council of Life Insurers Suite 700 101 Constitution Avenue, NW Washington, DC 20001 Mr. S. Roy Woodall, Jr. Independent Member with Insurance Expertise Federal Stability Oversight Council Suite 375 655 15th Street, NW Washington, DC 20220 James S. Wrona, Esquire Vice President and Associate General Counsel Financial Industry Regulatory Authority (FINRA) 1735 K Street, NW Washington, DC 20006 Mr. Michael L. Yanacheak Actuarial Administrator Iowa Insurance Division 4th Floor 601 Locust Street Des Moines, IA 50309

Please go to www.ali-cle.org/cw003 for biographical information about this faculty.

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STATE MCLE CONTACTS

Revised: 7/18/2014

Alabama Ms. Angela Parks Director Regulatory Programs Alabama State Bar 415 Dexter Avenue PO Box 671 Montgomery, AL 36101 334/269-1515 334/261-6310 FAX cle@alabar.org/ www.alabar.org

Alaska Ms. Mary Ellen Ashton MCLE Administrator Alaska Bar Association 550 W. 7th Avenue, Ste 1900 Anchorage, AK 99501 907/263-1841 907/272-2932 FAX ashtonm@alaskabar.org www.alaskabar.org

Arizona Ms. Carolyn de Looper Membership Administration & Services Manager State Bar of Arizona 4201 N. 24th Street, Ste 100 Phoenix, AZ 85016-6266 602/340-7327 602/271-4930 FAX carolyn.delooper@staff.azbar.org www.azbar.org

Arkansas Ms. Dana L. Rowlett Arkansas CLE Board of the Supreme Court of Arkansas 2100 Riverfront Dr, Ste110 Little Rock, AR 72202-1747 501/374-1855 501/374-1853 FAX www.courts.arkansas.gov

California Mr. George Leal The State Bar of California Office of Certification 180 Howard Street San Francisco, CA 94105 415/538-2126 415/538-2180 FAX providers@calbar.ca.gov http://mcle.calbar.ca.gov/

Colorado Ms. Elvia Mondragon Colorado Supreme Court Board of Continuing Legal & Judicial Education Ralph L. Carr Judicial Center 1300 Broadway, Ste 510 Denver, CO 80202 303/928-7771 e.mondragon@csc.state.co.us cleinfo@csc.state.co.us

Delaware Ms. Margot Millar Executive Director Commission on CLE of the Supreme Court of Delaware Carvel State Office Building 820 N. French Street, 11th Fl Wilmington, DE 19801-3545 302/577-7040 302/577-7037 FAX margot.millar@state.de.us www.courts.delaware.gov

Florida Ms. Michelle Francis Education Compliance & Accreditation Manager The Florida Bar 651 E. Jefferson Street Tallahassee, FL 32399-2300 850/561-3180 850/561-5660 FAX mfrancis@flabar.org www.floridabar.org

Georgia Mr. Jeffery R. Davis Executive Director Georgia Commission on Continuing Lawyer Competency 104 Marietta St NW, Ste 100 Atlanta, GA 30303 404/527-8700 404/527-8717 FAX http://www.gabar.org/membership/cle/

Hawaii Ms. Debbie Blanton MCLE Administrator Hawaii State Bar Association 1100 Alakea St, Ste 1000 Honolulu, HI 96813 808/792-7348 808/521-7936 FAX dblanton@hsba.org www.hsba.org

Idaho Ms. Annette Strauser MCLE Administrator Idaho State Bar PO Box 895 Boise, ID 83701-0895 208/334-4500 x1886 208/334-4515 FAX astrauser@isb.idaho.gov www.isb.idaho.gov

Illinois Ms. Karen Litscher Johnson Director, MCLE Board of the Supreme Court of Illinois 200 W Madison St, Ste 3420 Chicago, IL 60606 312/924-2420 315/924-2421 FAX mcle@mcleboard.org www.mcleboard.org

Indiana Ms. Julie L. Orzeske Executive Director Indiana Supreme Court Indiana Commission for CLE 30 S Meridian St, Ste 950 Indianapolis, IN 46204 317/232-1943 317/233-1442 FAX jorzeske@courts.state.in.us www.state.in.us

Iowa Ms. Trinity M. Braun-Arana Asst. Director for Boards and Commissions Office of Professional Regulation 1111 E. Court Avenue Des Moines, IA 50319 515/725-8100 515/246-8032 FAX trinity.braun-arana@iowacourts.gov www.iacourtcommissions.org

Kansas Ms. Shelly Sutton Executive Director Kansas CLE Commission 400 S Kansas Ave, Ste 202 Topeka, KS 66603 785/357-6510 shelly.sutton@kscle.org www.kscle.org

Kentucky Mr. Clifford Timberlake Accreditation Coordinator Kentucky Bar Association 514 W Main St Frankfort, KY 40601-1883 502/564-3795 x228 502/564-3225 ctimberlake@kybar.org www.kybar.org

Louisiana Ms. Kitty Hymel MCLE Administrator Louisiana Supreme Court Committee on MCLE 2800 Veterans Memorial Blvd Suite 355 Metairie, LA 70002-6130 800/518-1518 Toll Free 504/828-1416 FAX kittyh@lasmcle.org www.lasmcle.org

Maine Ms. Susan Adams CLE Coordinator Maine Board of Overseers of the Bar PO Box 527 Augusta, ME 04332-0527 207/623-1121 207/623-4175 FAX sadams@mebaroverseers.org www.mecle.com

Minnesota Ms. Liz Vanderbeek CLE/BLC Administrator Minnesota State Board of CLE 180 E 5th St, Ste 950 St. Paul, MN 55101 651/297-1857 651/296-5866 FAX lvanderbeek@mbcle.state.mn.us www.mbcle.state.mn.us

Mississippi Ms. Tracy Graves CLE Administrator Mississippi Commission on CLE PO Box 369 Jackson, MS 39205-0369 601/576-4622 601/576-4733 tgraves@mssc.state.ms.us http://courts.ms.gov Missouri Mr. Christopher C. Janku Director of Programs The Missouri Bar 326 Monroe Street PO Box 2355 Jefferson City, MO 65102-2355 573/638-2233 573/635-2811 FAX mcle@mobar.org www.mobar.org

Montana Ms. Kathy Powers MCLE Administrator State Bar of Montana 7 W 6th Ave, Ste 2B PO Box 577 Helena, MT 59624 406/442-7660 406/442-7763 FAX kpowers@montanabar.org www.montanabar.org

Nebraska Ms. Carole McMahon-Boies Director, Judicial Branch Education 521 S 14th St, Ste 200 Lincoln, NE 68508 402/471-3072 402/471-3071 FAX carol.mcmahon-boies@nebraska.gov www.mcle.ne.gov

Nevada Ms. Toni Sarocka Executive Director Nevada CLE Board 457 Court St, 2nd FL Reno, NV 89501 775/329-4443 775/329-4291 FAX nevadacleboard@sbcglobal.net www.nvcleboard.org

STATE MCLE CONTACTS

Revised: 7/18/2014

New Hampshire Ms. Dana Hochgraf NHMCLE/NH Bar Association 2 Pillsbury St, Ste 300 Concord, NH 03301-3502 603/224-6942 603/224-2910 FAX dhochgraf@nhbar.org www.nhbar.org New Jersey Supreme Court of New Jersey Board on Continuing Legal Education Richard J. Hughes Justice Complex 25 Market Street 8th Floor, North Wing Trenton, NJ 08625-0979 609/633-9733 webmaster.mailbox@judiciary.state.nj.us www.judiciary.state.nj.us New Mexico Ms. Anita Otero Court Regulated Programs Administration New Mexico MCLE PO Box 93070 Albuquerque, NM 87199 505/821-1980 505/821-0220 FAX mcle@nmmcle.org www.nmmcle.org New York Ms. Elise Anne Geltzer New York State Unified Court System 25 Beaver St., Room 888 New York, NY 10004 877/NYS-4CLE (697-4253) 212/428-2974 FAX cle@courts.state.ny.us www.courts.state.ny.us North Carolina Ms. Debra Holland Associate Director North Carolina Continuing Legal Education PO Box 26148 Raleigh, NC 27611 919/733-0123 919/821-9168 FAX dholland@ncbar.gov www.nccle.org North Dakota Ms. Debbie Bowen Director State Bar of North Dakota CLE 504 N Washington St. Bismarck, ND 58501 701/255-1404 701/224-1621 FAX debbie@sband.org www.sband.org

Ohio Ms. Susan Christoff Executive Director The Supreme Court of Ohio Commission on CLE 65 S. Front St. Columbus, OH 43215-3431 614/387-9325 Christos@sconet.state.oh.us www.sconet.state.oh.us Oklahoma Ms. Beverly S. Petry MCLE Administrator Oklahoma Bar Association PO Box 53036 Oklahoma City, OK 73152 405/416-7009 405/416-7089 FAX beverlyp@okbar.org www.okbar.org Oregon Ms. Denise Cline MCLE Coordinator Oregon State Bar 16037 SW Upper Boones Ferry Rd Tigard, OR 97281-1935 503/620-0222 503/684-1366 FAX dcline@osbar.org www.osbar.org Pennsylvania Ms. Sue Miller Provider Coordinator Pennsylvania CLE Board PA Judicial Center 601 Commonwealth Ave, Ste 3400 Harrisburg, PA 17106-2495 717/231-3230 717/231-3231 FAX 800/497-2253 x3230 pacleb@pacle.org www.pacle.org Puerto Rico Ms. Yanis Blanco Santiago Continuing Legal Education Program Supreme Court of Puerto Rico PO Box 190917 San Juan, PR 00919-0917 787/641-6604 787/641-6602 FAX Rhode Island Ms. Holly Hitchcock, M. Ed. Executive Director Judiciary of Rhode Island John E. Fogarty Judicial Annex 24 Weybosset St., 3rd Floor Providence, RI 02903 401/222-4942 401/222-4302 FAX www.courts.state.ri.gov

South Carolina Ms. Mary A. Germack Executive Director The Supreme Court of South Carolina Commission on CLE & Specialization PO Box 2138 Columbia, SC 29202 803/799-5578 803/799-4118 FAX commcle@bellsouth.net www.commcle.org Tennessee Ms. Judy Bond-McKissack Executive Director Tennessee Commission on CLE & Specialization 221 Fourth Ave. North, Ste. 300 Nashville, TN 37219 615/741-3096 615/532-2477 FAX info@cletn.com www.cletn.com Texas Ms. Nancy R. Smith Director of MCLE State Bar of Texas PO Box 13007 Austin, TX 78711-3007 515/427-1806 or 800/204-2222 515/427-4123 FAX nsmith@texasbar.com www.texasbar.com/mcle Utah Ms. Sydnie W. Kuhre MCLE Board Administrator Supreme Court Board of CLE Utah Law & Justice Center 645 South 200 East, Ste. 312 Salt Lake City, UT 84111-3834 801/531-9077 801/531-0660 FAX skuhre@utahbar.org www.utahbar.org Vermont Ms. Martha I. Hicks-Robinson Director MCLE Board 111 State Street, Ste 9B Montpelier, VT 05609-0701 802/828-3281 802/828-6550 FAX JUD-AttyLicensing@state.vt.us Virginia Ms. Gale M. Cartwright Director of MCLE Virginia State Bar 1111 E. Main St., Ste. 700 Richmond, VA 23219-3565 804/775-0577 804/775-0544 FAX mcle@vsb.org www.vsb.org

Virgin Islands Ms. Hinda Carbon Executive Director Virgin Islands Bar Association PO Box 4108 Christiansted, VI 00822 340/778-7497 340/773-5060 FAX executivedirector@vibar.org Washington Ms. Kathy Todd MCLE Manager Washington State Bar Association 1325 4th Ave., Ste 600 Seattle, WA 98101-2539 206/733-5912 206/727-8313 FAX kathyt@wsba.org www.wsba.org West Virginia Ms. Hope L. Gresham MCLE Coordinator The West Virginia State Bar 2006 Kanawha Blvd., East Charleston, WV 25311-2204 304/558-7992 304/558-2467 FAX greshamh@wvbar.org www.wvbar.org Wisconsin Ms. Jacquelyn B. Rothstein Director Board of Bar Examiners Mail: PO Box 2748 Madison, WI 53701-2748 Shipping: 110 E. Main St., Ste. 715, Tenney Building Madison, WI 53703-3328 608/266-9760 608/266-1196 FAX jacquelyn.rothstein@wicourts.gov tammy.mcmillen@wicourts.gov www.wicourts.gov Wyoming Ms. Marie Ellis Wyoming State Bar 500 Randall Ave. PO Box 109 Cheyenne, WY 82003-0109 307/632-9061 307/632-3737 FAX mellis@wyomingbar.org www.wyomingbar.org