alea-institute/kl3m-data-sample-004-shuffled huggingface dataset:
From: Beverly Hill [mailto:Beverly@mltlaw.com] 

Sent: Wednesday, February 03, 2010 8:59 AM 

To: EBSA, E-ORI - EBSA 

Subject: RIN 1210-AB33

Please do NOT allow annuitization of 401(k) 

Beverly B. Hill 

Assistant to Amelia Crotwell 

10805 Kingston Pike, Ste. 200 

Knoxville, TN 37934 

Ph: (865) 966-7665 

Fax: (865) 966-3519
WASHINGTON OFFICE:

1007 LoncworTH House OrFice BUILDING
Wasnincton, DC 20515

oA 40 PH: (202) 225-2015

FAX: (202) 225-3529

STEVE STIVERS

15TH Distnicr, OMIO

FINANCIAL SERVICES COMMITTEE

CENTRAL OHIO DISTRICT OFFICE:

3790 Municipat. Way
HILLIARD, OH 43026

Congress of the United States een ae
House of Representatives
June 1, 2011

The Honorable Hilda Solis

Secretary

The Department of Labor

Frances Perkins Building

Third Street and Constitution Ave, N.W.
Washington, D.C. 20210 oO

ona

=
=
a
e mm
=
i
~s
2

Dear Secretary Solis,

I am writing today regarding the Department of Labor’s proposed rule regarding definition of the
term “fiduciary”. This proposal will require appraisers and other service providers who place a value on

investments to become fiduciaries.

I am concerned the current proposed rule will significantly expand Employee Retirement Income
Security Act’s (ERISA) original intent. It has come to my attention that the proposed rule would
adversely affect Individual Retirement Accounts (IRAs) investors, by adding significant costs for
investment advice. By increasing costs and liability for service providers, it is likely that investors with
small account balances will be unable to access one-on-one guidance.

Providers of these services will either leave the business or will increase fees to cover fiduciary
risk. The proposed rule also fails to include safe harbors to IRA service providers. Creating an
environment in which all shared information between service provider and client may trigger a fiduciary
duty is counterproductive to providing consumer protections and increased choice among service

providers.

A balanced approach, considering investor protections without restricting access to vital
investment advice and retirement planning, is essential, to this process. I respectfully urge you to review
all comments and concerns raised about the proposed rule, including studying the cost to IRA investors.
Thank you for your attention and consideration.

Sincerely,

VK Vee

Ss STIERS PAT TIBERI
Member of Congress

Member of Congress
#### William W. Rutherfurd, Respondent, *v.*J. Herbert Carpenter, Appellant.

*Rutherfurd*v. *Carpenter,*134 App. Div. 881, reversed.

(Argued April 6, 1911;

decided April 25, 1911.)

Appeal from a judgment of the Appellate Division of the Supreme Court in the first judicial department, entered December 9, 1909, affirming a judgment in favor *533of plaintiff entered upon a decision of the court on trial at Special Term in an action to charge the defendant with a trust *ex maleficio.*

*John 8. Davenport*for appellant.

*F. It. Minrath*and *Henry 8iegrist*for respondent.

Judgment reversed and new trial granted, costs to abide event, on dissenting opinion of Ingraham, J., below.

Concur: Gray, Werner, Willard Bartlett and Chase, JJ. Dissenting: Cullen, Ch. J., Hiscock and Collin, JJ.
QuickLinks
 -- Click here to rapidly navigate through this document
  



 
 

Exhibit 10.40    
    


 
 

FULL RECOURSE PROMISSORY NOTE    
    



	
$	

200,000.00	
 	

August 15, 2001

Corte Madera, California





        FOR
VALUE RECEIVED, the undersigned, Jason Camp ("Grantee"), promises to pay to Restoration Hardware, Inc., a Delaware corporation (the "Company"), at 15 Koch Road,
Suite J, Corte Madera, California 94925, or at such other place or to such other party as Company may from time to time designate, the principal sum of Two Hundred Thousand Dollars
($200,000.00), plus interest from the date hereof as computed below. 


        1.    Interest and Principal Payments; Term.    Interest on the principal balance outstanding
on this Note shall be computed from the date hereof at the per annum rate of eight percent (8%) compounded annually and shall continue to accrue until paid. The entire amount of accrued but unpaid
interest and all outstanding principal (the "Repayment Amount") shall be due and payable at the close of business
on August 15, 2006 (the "Repayment Date"). Interest shall be computed on the basis of a year of 365 days for the actual number of days elapsed. 


        2.    Method and Application of Payment.    All amounts payable under this Note are payable in
lawful money of the United States, without notice, demand, offset or deduction. Checks will constitute payment only when collected. Any amount paid on this Note shall be applied first, to payment of
accrued but unpaid interest on this Note, then toward the outstanding principal balance of this Note. 


        3.    Prepayment Permitted.    Principal and interest may be prepaid in whole or in part by
Grantee without penalty or premium at any time. 


        4.    Event of Default and Remedies.    Any one of the following occurrences shall constitute
an "Event of Default" under this Note: 



	(a)
	Grantee
voluntarily ceases to be employed by the Company or the Company terminates Grantee's employment for Cause.



	(b)
	Grantee
shall fail to pay any payment of principal or interest, within thirty (30) days of the date when due in accordance with the terms hereof; 




        Upon
the occurrence of any Event of Default hereunder, the entire Repayment Amount shall, at the option of the Company and without notice or demand of any kind to Grantee or any other
person, immediately become due and payable, and the Company shall have and may exercise any and all rights and remedies available to it at law or in equity. 


        5.    Governing Law.    This Note shall be governed by and construed in accordance with the
laws of the State of California. This Note has been delivered to the Company and accepted by the Company in the State of California. 


        IN
WITNESS WHEREOF, the undersigned authorized party has executed and delivered this Note as of the date first written above. 



	

 	

GRANTEE:
	

 	

/s/  JASON CAMP      
 JASON CAMP




1









QuickLinks



Exhibit 10.40


FULL RECOURSE PROMISSORY NOTE
Page 1 of2

AUG 2 5 2010 ~[r;- J} yetl2 --/0

LEGAL PROCESSING DIVISION 


PUBLICATION & REGULATIONS 


BRANCH 


As of: August 25, 2010 

Received: August 10, 2010 

Status: Posted 

Posted: August 25, 2010 

Tracking No. 80b2d513 

PUBLIC 

SUBMISSION Comments Due: August 16, ~:01O 

Submission Type: Web 

Docket: IRS-2010-0010 

Group Health Plans and Health Insurance Coverage Rules Relating to Status as a Grandfathered 

Health Plan Under the Patient Protection and Afforable Care Act 

Comment On: IRS-2010-0010-0001 

Group Health Plans and Health Insurance Coverage: Interim Final Rules for Relating to Status as 

a Grandfathered Health Plan under the Patient Protection and Affordable Care Act 

Document: IRS-2010-0010-0371 

Comment on FR Doc # 2010-14488 

-----------------------------------------------------------------.... 

Submitter Information 

Name: John F Katz 

Address: 

238 Westford Circle 

Harrisburg, 17112-3357 


Email: carkatz59@gmail.com 


Phone: 717-545-6716 


Organization: Individual 


-----------------------------------------------------------------,.... 

General Comment 

August 10, 2010 

Office of Consumer Information and Insurance Oversight 

Department of Health and Human Services 

Attention: OCIIO-9991-IFC 

P.O. Box 8016 


Baltimore, MD 21244-1850 


Re: Interim Final Rule for Group Health Plans and Health Insurance Coverage Relating to Status 

as a Grandfathered Health Plan Under the Patient Protection and Affordable Care Act 

Here's a simple question: Does your Department represent the interests of the people, or only 

those of the silk-suit rich? 

As a consumer I wish to take this opportunity to formally comment on 

the interim final rule regarding health plans and "grandfather" status (Document ID IRS-2010­

0010-0001). 

I believe the consumer protections included as part of the new health care law are vitally 

https:/ Ifdms.erulemaking.netlfdms-web-agency Icomponentlsubmitter InfoCoverPage?Call=... 8/25/2010 
Page 2 of2 

important and should be extended to as many people as possible. Accordingly, every effort 

should be made to increase the number of individuals covered by the Patient Protection and 

Affordable Care Act (PPACA) via the above regulations. The triggers or conditions that would 

extend these protections to consumers under currently existing "grandfathered" plans should not 

be weakened or reduced in any way. I specifically support the position and detailed comments 

offered by the American Chiropractic Association with respect to the implementation of these 

regulations. 

John F. Katz 

https:llfdms.erulemaking.netifdmsMwebMagencyIcomponentisubmitterInfoCoverPage?Call=... 8/25/2010
Page 1 of 1

REG IMy by 1-05
FEE 5 agg

TEGAL PROCESSING DIVISION

& REGULATIONS As of: February 05, 2010
BRANCH Received: February 03, 2010

Status: Posted

PU B LIC SU B M ISSIO N Posted: February 05, 2010

Tracking No. 80a8cfSb
[Comments Due: May 03, 2010
Submission Type: Web

Docket: IRS-2010-0006
Request for Information Regarding Lifetime Income Options for Participants & Beneficiaries in
Retirement Plans

Comment On: IRS-2010-0006-0001
Request for Information Regarding Lifetime Income Options for Participants and Beneficiaries in
Retirement Plans

Document: IRS-2010-0006-0011
Comment on FR Doc # 2010-02028

Submitter Information

Name: Ben Smith
Address:

Cocoa Beach, FL,
Organization: Citizen

General Comment

Please do not steal my IRA / 401K. Annuitizing my money is stealing.

https://fdms.erulemaking.net/fdms-web-agency/component/submitterInfoCoverPage?Call=P... 2/5/2010
<TABLE> <S> <C>

<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS OF STAFF LEASING, INC. FOR THE THREE MONTHS
ENDED MARCH 31, 1998 INCLUDED IN FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          24,893
<SECURITIES>                                    25,100
<RECEIVABLES>                                   57,907
<ALLOWANCES>                                       953
<INVENTORY>                                          0
<CURRENT-ASSETS>                               121,557
<PP&E>                                          26,089
<DEPRECIATION>                                   6,381
<TOTAL-ASSETS>                                 159,434
<CURRENT-LIABILITIES>                           91,379
<BONDS>                                              0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           235
<OTHER-SE>                                      63,503
<TOTAL-LIABILITY-AND-EQUITY>                   159,434
<SALES>                                        539,616
<TOTAL-REVENUES>                               539,616
<CGS>                                                0
<TOTAL-COSTS>                                  513,383
<OTHER-EXPENSES>                                18,346
<LOSS-PROVISION>                                   120
<INTEREST-EXPENSE>                                  31
<INCOME-PRETAX>                                  8,562
<INCOME-TAX>                                     3,211
<INCOME-CONTINUING>                                  0
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,351
<EPS-PRIMARY>                                      .23
<EPS-DILUTED>                                      .22
        

</TABLE>
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# Επίσημη Εφημερίδα C 164/23 Ι

| | ISSN 1725-2415 |
| --- | --- |
| Επίσημη Εφημερίδα
  της Ευρωπαϊκής Ένωσης | C 164 |
| | |
| Έκδοση στην ελληνική γλώσσα | Ανακοινώσεις και Πληροφορίες | 47ό έτος23 Ιουνίου 2004 |

ISSN 1725-2415

Επίσημη Εφημερίδα

της Ευρωπαϊκής Ένωσης

C 164

Έκδοση στην ελληνική γλώσσα

Ανακοινώσεις και Πληροφορίες

47ό έτος23 Ιουνίου 2004

---

| Ανακοίνωση αριθ | Περιεχόμενα | Σελίδα |
| --- | --- | --- |
| | I   Ανακοινώσεις |
| | Επιτροπή |
| 2004/C 164/1 | Ισοτιμίες του ευρώ | 1 |

Ανακοίνωση αριθ

Περιεχόμενα

Σελίδα

I   Ανακοινώσεις

Επιτροπή

2004/C 164/1

Ισοτιμίες του ευρώ

1

| EL | |
| --- | --- |

EL

---

I Ανακοινώσεις

Επιτροπή

| 23.6.2004 | EL | Επίσημη Εφημερίδα της Ευρωπαϊκής Ένωσης | C 164/1 |
| --- | --- | --- | --- |

23.6.2004

EL

Επίσημη Εφημερίδα της Ευρωπαϊκής Ένωσης

C 164/1

---

Ισοτιμίες του ευρώ (1)

22 Ιουνίου 2004

(2004/C 164/01)

1 ευρώ=

| | Nομισματική μονάδα | Ισοτιμία |
| --- | --- | --- |
| USD | δολάριο ΗΠΑ | 1,2091 |
| JPY | ιαπωνικό γιεν | 131,17 |
| DKK | δανική κορόνα | 7,4334 |
| GBP | λίρα στερλίνα | 0,664 |
| SEK | σουηδική κορόνα | 9,162 |
| CHF | ελβετικό φράγκο | 1,5133 |
| ISK | ισλανδική κορόνα | 87,91 |
| NOK | νορβηγική κορόνα | 8,324 |
| BGN | βουλγαρικό λεβ | 1,9559 |
| CYP | κυπριακή λίρα | 0,5817 |
| CZK | τσεχική κορόνα | 31,935 |
| EEK | εσθονική κορόνα | 15,6466 |
| HUF | ουγγρικό φιορίνι | 255,35 |
| LTL | λιθουανικό λίτας | 3,4527 |
| LVL | λεττονικό λατ | 0,6541 |
| MTL | μαλτέζικη λίρα | 0,4252 |
| PLN | πολωνικό ζλότι | 4,5838 |
| ROL | ρουμανικό λέι | 40 614 |
| SIT | σλοβενικό τόλαρ | 239,5 |
| SKK | σλοβακική κορόνα | 39,97 |
| TRL | τουρκική λίρα | 1 796 300 |
| AUD | αυστραλιανό δολάριο | 1,7608 |
| CAD | καναδικό δολάριο | 1,6462 |
| HKD | δολάριο Χονγκ Κονγκ | 9,4305 |
| NZD | νεοζηλανδικό δολάρτιο | 1,9314 |
| SGD | δολάριο Σιγκαπούρης | 2,0777 |
| KRW | νοτιοκορεατικό γουόν | 1 400,56 |
| ZAR | νοτιοαφρικανικό ραντ | 7,6237 |

Nομισματική μονάδα

Ισοτιμία

USD

δολάριο ΗΠΑ

1,2091

JPY

ιαπωνικό γιεν

131,17

DKK

δανική κορόνα

7,4334

GBP

λίρα στερλίνα

0,664

SEK

σουηδική κορόνα

9,162

CHF

ελβετικό φράγκο

1,5133

ISK

ισλανδική κορόνα

87,91

NOK

νορβηγική κορόνα

8,324

BGN

βουλγαρικό λεβ

1,9559

CYP

κυπριακή λίρα

0,5817

CZK

τσεχική κορόνα

31,935

EEK

εσθονική κορόνα

15,6466

HUF

ουγγρικό φιορίνι

255,35

LTL

λιθουανικό λίτας

3,4527

LVL

λεττονικό λατ

0,6541

MTL

μαλτέζικη λίρα

0,4252

PLN

πολωνικό ζλότι

4,5838

ROL

ρουμανικό λέι

40 614

SIT

σλοβενικό τόλαρ

239,5

SKK

σλοβακική κορόνα

39,97

TRL

τουρκική λίρα

1 796 300

AUD

αυστραλιανό δολάριο

1,7608

CAD

καναδικό δολάριο

1,6462

HKD

δολάριο Χονγκ Κονγκ

9,4305

NZD

νεοζηλανδικό δολάρτιο

1,9314

SGD

δολάριο Σιγκαπούρης

2,0777

KRW

νοτιοκορεατικό γουόν

1 400,56

ZAR

νοτιοαφρικανικό ραντ

7,6237

---

(1)

Πηγή: Ισοτιμίες αναφοράς που δημοσιεύονται από την Ευρωπαϊκή Κεντρική Τράπεζα.

---
#### § 175.100 Purpose of this part.

This part establishes a Federal award term for grants and cooperative agreements to implement the requirements in 22 U.S.C. 7104(g); 22 U.S.C. 7104a; 22 U.S.C. 7104b; and 22 U.S.C. 7104c.
IV

107TH CONGRESS

2D SESSION H. RES. 524

Expressing the sense of the House that Congress should complete action

on the Permanent Death Tax Repeal Act of 2002.

IN THE HOUSE OF REPRESENTATIVES

SEPTEMBER 17, 2002

Mr. NUSSLE (for himself, Mr. BROWN of South Carolina, Mr. BONILLA, Mr.

SCHAFFER, Mr. BALLENGER, Mr. WATTS of Oklahoma, Mrs. BONO, Mr.

TOM DAVIS of Virginia, Mr. BARR of Georgia, Mr. LATOURETTE, Mr.

JENKINS, Mr. HAYES, Mr. DAN MILLER of Florida, Mr. AKIN, Mr.

GEKAS, Mr. ISSA, Mr. BOOZMAN, Mr. SHADEGG, Mr. HOBSON, Mr.

SHIMKUS, Mr. KERNS, Mr. FOSSELLA, Mr. SCHROCK, Mr. ROYCE, Mr.

FRELINGHUYSEN, Mr. ENGLISH, Mr. CHAMBLISS, Mr. TERRY, Mr. RYAN

of Wisconsin, Mr. HASTINGS of Washington, Mr. BOEHLERT, Mr.

THUNE, Ms. HART, Mr. UPTON, Mr. BRADY of Texas, Mr. BURTON of

Indiana, Mr. KENNEDY of Minnesota, Mr. SOUDER, Mr. GRAVES, Mr.

LATHAM, Mr. HASTERT, Mr. SHAW, Mr. PITTS, Mr. GIBBONS, Mr.

FORBES, Mr. JEFF MILLER of Florida, Mr. PUTNAM, Mr. KINGSTON,

Mr. HAYWORTH, Mr. TAUZIN, Mr. CAMP, Ms. PRYCE of Ohio, Mr.

FLETCHER, Mr. MCINNIS, Mr. SIMMONS, Mrs. BIGGERT, Ms. DUNN of

Washington, Mr. EVERETT, Mr. ROGERS of Michigan, Mr. OTTER, Mr.

CUNNINGHAM, Mr. CANTOR, Mr. BOEHNER, Mrs. NORTHUP, Mr. WATKINS of Oklahoma, Mr. BAKER, Mr. VITTER, Mr. FOLEY, Mr. SUNUNU,

Mr. ROGERS of Kentucky, Mr. PENCE, Mr. DUNCAN, Mrs. ROUKEMA,

Mr. SESSIONS, Mrs. CUBIN, Mrs. WILSON of New Mexico, Mr. DIAZBALART, Mr. NORWOOD, Mr. GRUCCI, Mr. GUTKNECHT, and Mr. WOLF)

submitted the following resolution; which was referred to the Committee

on Ways and Means

RESOLUTION

Expressing the sense of the House that Congress should

complete action on the Permanent Death Tax Repeal

Act of 2002.
2

•HRES 524 IH

Whereas the death tax has been a leading cause of the dissolution of family-run businesses and a burden on families which save and invest;

Whereas a bipartisan majority of the House of Representatives passed the Permanent Death Tax Repeal Act of

2002 on June 6, 2002, by a vote of 256 to 171;

Whereas failure to enact that Act will reimpose the death tax

after 2010 on families, farms and small businesses

throughout the Nation;

Whereas the death tax will continue to prevent families from

creating, expanding, and retaining farms and businesses

if the death tax is resurrected;

Whereas the threat of a resurrected death tax will cause

American families, including farmers and small business

owners, to waste vast amounts of their time and other resources on efforts to plan to comply with the tax;–

Whereas permanent repeal of the death tax will promote job

creation and economic growth by allowing farm and small

business families to invest in productive, job-creating assets those resources they will otherwise spend on planning for and paying death taxes; and

Whereas the Senate has not passed that Act or equivalent

legislation: Now, therefore, be it

1 Resolved, That it is the sense of the House of Rep2 resentatives that the Congress should complete action on

3 the Permanent Death Tax Repeal Act of 2002, and the

4 Congress should present to the President prior to adjourn5 ment the Permanent Death Tax Repeal Act of 2002.

Æ
From: Frank and Jane Buzzard [mailto:fbuzzard@verizon.net] 

Sent: Thursday, February 11, 2010 2:59 PM 

To: EBSA, E-ORI - EBSA 

Subject: Comment to RIN1210-AB33-Request for Comment to a government annuity if we give 

you our IRA and 401K money

Dear Sir,

 

Here is my comment to your Request for comment to the government taking our IRA and 401K 

money in promise for a future annuity under IRS Document 2010-02028

 

Do you think Americans are IDIOTS? You would like to take our hard earned money in IRAs and 

401Ks that WE CONTROL and promise a lifetime annuity that we can trust you to pay in the 

future? You just want to take our privately held Trillions in readily available cash that we SAVED 

for the future to cover your obscene and unsustainable debt and buy time to avoid default of US 

debt obligations. How did I get to this conclusion? Easy. Look at Social Security. Congress has 

taken our excess contributions in the Social Security piggy bank over the decades and SPENT 

them while putting soon to be worthless US debt IOUs in the account. Now you can't fund the 

retiring baby boomers because you have wasted the money instead of saving it for future and 

very predictable Social Security obligations. And exactly the same thing will happen if we give 

you our IRA and 401 Savings now for a promise of a future annuity. I am not an IDIOT!

 

So here is the bottom line. If American voters let you take our IRA and 401K cash now for a 

future annuity promise, then you are right. We are idiots and deserve the fiscally irresponsible 

government we have kept in office for far too long.

 

Respectfully but mad as hell taxpayer and Social Security payer.

Frank Buzzard

6045 Old Reliance Road

Bryan, TX 77808

 

PS. For my friends and highly respected Americans on the .bcc line, please check out this article

http://www.regulations.gov/search/Regs/home.html#documentDetail?R=0900006480a898af and 

be aware that the White House and Department of Treasury/IRS are looking at taking our IRA 

and 401K savings for a promise of an annuity in the future.