LL Global Inc

“DAVID LEVENSON - Business relationship, GINA BIRCHALL - Business relationship, Janine EPRIGHT - Business relationship, DAVID VUJS - Business relationship, MARK SINGLETON - Business relationship”

“The corporation's classes and qualifications for section members are as follows: The LIMRA section HAS FOUR CLASSES OF MEMBERS: (1) REGULAR MEMBERSHIP IN THE CORPORATION SHALL BE LIMITED TO LEGAL RESERVE LIFE INSURANCE COMPANIES DOMICILED IN THE UNITED STATES OR CANADA. (2) INTERNATIONAL MEMBERSHIP IN THE CORPORATION SHALL BE LIMITED TO LEGAL RESERVE LIFE INSURANCE COMPANIES DOMICILED OUTSIDE THE UNITED STATES OR CANADA. (3) AFFILIATED MEMBERSHIP IN THE CORPORATION SHALL BE LIMITED TO FINANCIAL SERVICE ORGANIZATIONS THAT CREATE, MARKET, SELL AND/OR OTHERWISE DISTRIBUTE AT LEAST ONE OR MORE FINANCIAL PRODUCTS AND ARE NOT LEGAL RESERVED LIFE INSURANCE COMPANIES, REGARDLESS OF WHETHER THEY ARE OR ARE NOT RELATED TO AND/OR OWNED BY ANY CURRENT MEMBER(S) OF THE CORPORATION. (4) ASSOCIATE MEMBERSHIP IN THE CORPORATION HAS THREE LEVELS: ASSOCIATE MEMBER. ASSOCIATE (EQUITY RESEARCH). THESE MEMBERS SHALL INCLUDE ANY CORPORATION, ASSOCIATION OR SOCIETY ENGAGED IN THE BUSINESS OF CONDUCTING EQUITY RESEARCH AND PROVIDING DETAILED ANALYSIS INTO A COMPANY, ENTITY OR THE LIFE INSURANCE AND/OR FINANCIAL SERVICES INDUSTRY SECTORS FOR THE INTENDED USE BY PRIVATE EQUITY FIRMS AND INVESTMENT BANKS TO VALUE COMPANIES FOR, BUT NOT LIMITED TO, MERGERS, LEVERAGE BUY OUTS, INITIAL PUBLIC OFFERINGS. THIS QUALIFICATION IS SPECIFICALLY FOR ORGANIZATIONS THAT ARE NOT PART OF A FINANCIAL SERVICES ORGANIZATION ELIGIBLE FOR MEMBERSHIP THROUGH EITHER THE REGULAR MEMBER OR AFFILIATED MEMBER QUALIFICATIONS. ASSOCIATE (SERVICE). THESE MEMBERS SHALL INCLUDE ANY CORPORATION, ASSOCIATION OR SOCIETY WHICH IS IN GOOD STANDING, QUALIFIED TO DO BUSINESS AND WHICH BY THE NATURE OF ITS WORK, SHARES THE COMMON INTEREST OR PROVIDES PRODUCTS AND SERVICES TO THE INSURANCE OR FINANCIAL SERVICES INDUSTRY. ASSOCIATE (CONSULTING). THESE MEMBERS SHALL INCLUDE ANY CONSULTING ORGANIZATION WHICH IS IN GOOD STANDING AND PROVIDES MANAGEMENT CONSULTING SERVICES TO THE INSURANCE OR FINANCIAL SERVICES INDUSTRY. The LOMA section shall have the following classes of members: Member (U.S. and Canada). These members shall include any corporation, association or society engaged in a life insurance business which is in good standing, qualified to do business and domiciled in the United States or Canada. International Member. These members shall include any corporation, association or society engaged in an insurance business which is in good standing and qualified to do business and domiciled in a country other than the United States or Canada. Affiliate Member. These members can be one of three categories: Affiliate (Insurance). These members shall include any corporation, association or society, other than any corporation, association or society that qualifies as an International Member, engaged in an insurance business other than life. These members would also include businesses engaged in underwriting, administering, marketing or selling insurance. Affiliate (Service). These members shall include any individual, corporation, association or society which is in good standing, qualified to do business and which by the nature of its work, shares the common interest or provides products and services to the insurance or financial services industry. Affiliate (Academic). These members shall include any educational institution which is in good standing and has an interest.”

“VOTING MEMBERS CAN ELECT and remove ONE OR MORE MEMBERS OF THE GOVERNING BODY and have the option to fill any vacancies on the board.”

“Each regular member and international member of the corporation in good standing shall be entitled to one vote on matters submitted to members for action and shall have full rights and privileges of membership and shall be referred to herein as the "voting members." affiliate and associate members shall have no voting rights, but shall be entitled to such rights and privileges of membership as the board of directors may from time to determine and shall be referred to herein as "non-voting members."”

“The company has an ethics committee which is comprised of company officials in positions of senior management or with access to senior management. In addition to these internal resources for reporting an ethics concern, company employees may also elect to submit an ethics concern to intouch, the company's external hotline provider. All employee concerns reported to the company directly or through the external reporting hotline service will be reviewed and investigated as appropriate. The purpose of the conflict of interest policy is to protect the interest of the organization when it is contemplating entering into a transaction or arrangement that might benefit the private interest of an officer or director of the organization or might result in a possible excess benefit transaction.”

“There are five parts to the salary administration program. - position description - information on the duties, responsibilities, skills, knowledge, and abilities required for each position. - position evaluation - using the position description, each job is evaluated based on content and its relative value to other jobs within the association. - salary ranges - competitive data are used to compile salary ranges that are reviewed on a regular basis. - performance evaluation - employees are rated on how their job performance compares with the objectives and standards of their position. - salary review - a salary review is conducted annually in january. Salary grades provide meaningful distinctions among positions judged to be of different value to ll global. The assignment of a position to a salary grade is based on the position evaluation process. External competitive marketplace values are determined through salary surveys. Salary ranges have minimum and maximum dollar values, which represent the range of salary rates paid to an employee in a particular salary grade. Salary ranges are adjusted periodically to keep up with market values. If an employees salary falls below the minimum of the salary range the employee will normally receive a salary adjustment to bring them to the minimum of the salary range.”

“Regarding the determination of compensation, there are different groups who recommend, review and approve each area. The overall compensation budget is recommended by hr and approved by the ceo and board of directors. Merit increases are recommended by business unit heads, ceo, and the immediate supervisor/manager. The increases are then reviewed by human resources, business unit heads, and board of directors. Once a final decision is made, compensation is approved by human resources, business unit heads, and board of directors. Performance bonuses are recommended by business unit heads, ceo, and the immediate supervisor/manager then reviewed by human resources and the ceo. The ceo gets final approval. Incentive compensation is calculated using a formula driven by incentive compensation plans and annual results. The calculation is reviewed by hr then approved compensation plan, the compensation and benefit committee of the board of directors reviews market data and makes recommendations based on the long and short-term interests of the company and its members. The chair of the board of director's takes the lead on discussing and negotiating compensation with the ceo based on the input from the compensation and benefit committee.”

“The governing documents, conflict of interest policy, and financial statements are available upon request for legitimate business reasons.”

“OTHER PROGRAM SERVICE REVENUE - Total Revenue: 723638, Related or Exempt Function Revenue: 723638, Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ;”

“RETIREMENT BENEFIT OBLIGATION ADJUSTMENT - 6565059; Intercompany transfers - 26392; Adjust for prior period accrued expenses - -86112;”