1. State Insurance Trade Association Conference Third-Party Financing Lawsuit Lending

2. www.InstituteForLegalReform.com Agenda Review  What is the Practice of “Lawsuit Lending”  Who are the Companies and Trade Association  Why we Stand in Opposition

3. www.InstituteForLegalReform.com State Insurance Trade Association Lawsuit Lending  The Practice of Lawsuit Lending  Lawsuit Lenders front Money to Private Plaintiffs Engaged in Pending Litigation  Non-Recourse Loan in Pending Litigation for a Percentage of any Future Recovery  American Legal Finance Association  Recently formed Organization with Oasis Leading  Every Legislative Win Represents Future Road Map for ALFA

4. www.InstituteForLegalReform.com State Insurance Trade Association Why We Stand in Opposition 4  Legislation seeks to Regulate Lawsuit Lenders who front Money to Private Plaintiffs Engaged in Pending Litigation for a Percentage of Future Recovery  Touted as Consumer Protection. It’s real effect is the implicit authorization of the Practice.  Exempt’s Lawsuit Lending from Fair Lending  Defined as Non-Recourse Lending  Not a Loan – Lenders could Argue Legislation has removed Lawsuit Loans from Fair Lending Act.  Lawsuit Loans will Inflate Settlement Values and Prolong Litigation

5. State Insurance Trade Association Conference Discussion / Q & A