To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties.

Monitor legislation and advise client as to how if affects them, including generally HR 3121, HR 3644, HR 3959, HR 4050, S 292, S 2284, S 2286.

Client expense: Not reported · Firm income: $50,000

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), SENATE, Transportation, Dept of (DOT)

H.R. 1065, H.R. 1682, H.R. 2549, H.R. 2762, H.R. 3121, H.R. 3200, H.R. 330, H.R. 3926, H.R. 3959, H.R. 4050, H.R. 4299, H.R. 4461, H.R. 4721, H.R. 5611, H.R. 5633, H.R. 5792, H.R. 5840, H.R. 5961, H.R. 6062, H.R. 6078, H.R. 6213, H.R. 6285, H.R. 6424, H.R. 91, H.R. 920, H.R. 921, H.R. 922, H.R. 957, S. 1061, S. 1890, S. 1938, S. 2029, S. 2151, S. 2251, S. 2284, S. 2285, S. 2458, S. 2499, S. 2621, S. 3483, S. 396, S. 30, S. 929

Client expense: $454,203 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Congressional Budget Office (CBO), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

*HR 1746, Holocaust Insurance Accountability Act of 2007 - all provisions *HR 3200, National Insurance Act of 2007 - all provisions *HR 1065, Nonadmitted and Reinsurance Reform Act - all provisions *HR 5840, Insurance Information Act of 2008 - all provisions *HR 6213, Reinsurance International Solvency Standards Evaluation Board Act of 2008 - all provisions *Climate change-related legislation (no specific legislation) - provisions related to carbon dioxide emissions controls *Natural Catastrophe related legislation (HR 3355- The Homeowners Defense Act of 2007; HR 164, The Policyholder Disaster Protection Act; HR 330, Homeowners Insurance Availability Act; HR3959, Amendments to the National Flood Insurance Program) - provisions related to the establishment of federal government-sponsored insurance program for natural catastrophe damages and related financing proposals *S2284/HR3121, Flood Insurance Reform and Modernization Act of 2007 - all provisions *HR 6969 Related party reinsurance - provisions related to foreign taxation

Client expense: $280,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537,H.R.5519);.... Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869, H.R.6312, H.R.5841); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056, H.R.6275, H.R.6049, H.R.2886, H.R.5719, H.R.5720); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, H.R.4044, S.2136); Foreclosure Legislation (H.R.3221, H.R.5830, H.R.5818, H.R.5579); Interchange Fee Controls (H.R.5546, S.3086); Student Loan Legislation (H.R. 5715, S. 2815); Internet Gambling Legislation (H.R.5767); Retirement Account Fee Disclosure (H.R.3185); Arbitration Clause Restrictions (H.R.3010; H.R.5312); Money Services Business Regulation (H.R.4049); Emergency Economic Stabilization Act (H.R.1424); Military Bankruptcy (S.3197); Pension Fund Reform (H.R.7327). Regulation: Community Reinvestment Act regulations; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Deposit Insurance Regulations; SBA Regulations; Federal Reserve Board's Regulation Z (Truth-in-Lending); Fed-SEC Regulation R; Garnishment of Exempt Funds regulation; FACT Act Regulations; FDIC Audit and reporting regulations; Capital Requirements (Basel II); IRS Trust Tax Regulations; Internet gambling regulations; Small bank examination rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, Financial Institution Regulatory Restructuring; SEC Credit Rating Agency Reforms; Unfair and Deceptive Acts or Practices Regulations; Risk-Based Pricing Notices; Home Valuation Code of Conduct Appraisal Rules; Guidance on HELOC reductions; Best Practices for Residential Covered Bonds; FRB Reg. S (privacy); HUD RESPA Regulations; Money Market Fund Guaranties; Fannie Mae/Freddie Mac Conservatorship; SEC Short-Selling Rules; FASB Fair Value Accounting Regs; Auction-Rate Securities Rules; Timing of FASB/SEC Rules; FDIC Deposit Insurance Coverage Regulations; Truth-in-Savings Regulations; Risk Weighting of capital standards; Interest on Reserve Requirements; FDIC Restoration Plan; Deposit and Debt Guarantee Program; Guaranty Program for Troubled Assets; Capital Purchase Program; Hope for Homeowners Program; Overdraft Regulations; Currency Transaction Report Exemptions. #17. (continued from previous page) Public Company Accounting Oversight Board

S 40 and HR 3200 - The National Insurance Act; all aspects of these bills including potential problems created by a federal regulator and a preference for state-based reforms; HR 1065 and S 929 - Non-Admitted and Reinsurance Reform; support for these bills as a more efficient regulatory structure; S 1061 Homeowners Non-Coverage Disclosure Act; costs and problems; HR 5633 and HR 6062 (restrictions on insurers use of credit scoring) oppose these bills which would remove an accurate predictor of insurance claims. HR 3121, S 2284, HR 1682 Flood Insurance Reform and Modernization Act; HR 920 Multiple Peril Insurance Act; HR 921 Flood Insurance Community Outreach Grant Program; HR 922 NFIP Participation Evaluation Act; S 1890 Flood Insurance Choice Act, S 1938 National Flood Mapping Act; S 2151 Community Protection Act, S 2251 Homeowners Flood Protection Act, HR 3959 Phase-in of Actuarial rates for certain properties. HR 2638 and HR 6965 - short term extensions of the NFIP. Our interest in all these bills is to seek meaningful reform of the NFIP including updating flood maps, better enforcement, movement toward actuarially sound rates, and mitigation incentives. We oppose efforts to add a wind peril to the NFIP. HR 5611 National Association of Registered Agent and Brokers Reform Act of 2008; support for the concept of reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. HR 5840 Establish an Office of Insurance Information in the Department of the Treasury; concerns about protection of proprietary data, preemption of state laws, and the appropriate role of the federal government in regulating insurers. HR 4461 and S 2458 Community Building Code Administration Grant Act of 2007; expressed support for these bills which seek to provide funding and incentives for state and local governments to increase their building code enforcement efforts. HR 6078 The Green Act of 2008; questions about impact on the underwriting of homeowners insurance. HR 6495 Transportation and Housing Choices for Gas Price Relief Act of 2008; questions about possible federal incentives for pay-as-you-drive auto insurance.

H.R. 1081; S. 618 Insurance Industry Competition Act of 2007 (all provisions) H.R. 330 Homeowners Insurance Availability Act of 2007 (all provisions) H.R. 1065; S. 929 Nonadmitted and Reinsurance Reform Act of 2007 (all provisions) H.R. 3121; S. 2284 Flood Insurance Reform and Modernization Act (all provisions) H.R. 920 Multiple Peril Insurance Act of 2007 (all provisions) H.R. 3200; S. 40 National Insurance Act of 2007 (all provisions) H.R. 3355; S. 2310 Homeowners Defense Act of 2007 (all provisions) H.R. 4461 Community Building Code Administration Grant Act of 2007 (all provisions) H.R. 3926 Safe Building Code Incentive Act of 2007 (all provisions) Insurance Regulatory Reform H.R. 5611 National Association of Registered Agents and Brokers Reform Act of 2008 (all provisions) H.R. 5633 Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions) H.R. 91; S. 928 Homeowners Insurance Protection Act of 2007 (all provisions) H.R. 537; S. 292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 (all provisions) S. 1061 Homeowners Insurance Noncoverage Disclosure Act (all provisions) H.R. 5792 Increasing Insurance Coverage Options for Consumers Act of 2008 (all provisions) H.R. 6213 Reinsurance International Solvency Standards Evaluation Board Act of 2008 (all provisions) H.R. 6308 Municipal Bond Fairness Act (all provisions) H.R. 5840 Insurance Information Act (all provisions) H.R. 6062 Personal Lines of Insurance Fairness Act of 2008 (all provisions) S. 2458 Community Building Code Administration Grant Act (all provisions) H.R. 3959 to amend National Flood Insurance Act to provide phase-in of actuarial rates (all provisions) H.R. 2638 Continuing Appropriations Resolution (flood insurance provisions) Equity Indexed Annuity 401(k) Rule - SEC Proposed Rule 151A Systemic Risk Regulator (generally) Financial Services Regulatory Restructuring (generally) Troubled Assets Relief Program Financial Literacy

Monitor legislation and advise client as to how if affects them, including generally HR 3121, HR 3644, HR 3959, HR 4050, S 292, S 2284, S 2286.

Client expense: Not reported · Firm income: $50,000

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), SENATE, Transportation, Dept of (DOT)

Monitor legislation and advise client as to how if affects them, including generally HR 3121, HR 3644, HR 3959, HR 4050, S 292, S 2284, S 2286.

Client expense: Not reported · Firm income: $50,000

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), SENATE, Transportation, Dept of (DOT)

* HR 1746, Holocaust Insurance Accountability Act of 2007 - all provisions * HR 3200, National Insurance Act of 2007 - all provisions * HR 1065, Nonadmitted and Reinsurance Reform Act - all provisions * HR 5840, Insurance Information Act of 2008 - all provisions * HR 6213, Reinsurance International Solvency Standards Evaluation Board Act of 2008 - all provisions * Terrorism Risk Insurance Program Reauthorization Act of 2007, related General Accounting Office studies - all provisions * Climate change-related legislation (no specific legislation) - provisions related to carbon dioxide emissions controls * Natural catastrophe-related legislation (HR 3355, The Homeowner's Defense Act of 2007; HR 164, The Policyholder Disaster Protection Act; HR 330, Homeowners Insurance Availability Act; HR 3959, Amendments to the National Flood Insurance Program) - provisions related to establishment of federal government-sponsored insurance program for natural catastrophe damages and related financing proposals * S 2284/HR 3121, Flood Insurance Reform and Modernization Act of 2007 all provisions * Related party reinsurance (no specific legislation) - provisions related to foreign taxation * US Department of Treasury Blueprint for Financial Regulatory Reform all provisions

Client expense: $240,000 · Firm income: Not reported

HR91, HR330, HR920, HR921, HR922, HR957, HR1049, HR1065, HR1289, HR1682, HR2549, HR2638, HR2761, HR3121, HR3200, HR3926, HR3959, HR4050, HR4299, HR4461, HR 4721, HR5611, HR5633, HR5792, HR5840, HR5961, HR6062, HR6078, HR6213, HR6285, HR6308, HR6755, S40, S396, S1061, S1890, S1938, S2029, S2040, S2151, S2251, S2284, S2285, S2458, S2499, S2621

Client expense: $433,208 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Patent & Trademark Office (PTO), SENATE, Treasury, Dept of

S 40 and HR 3200 - The National Insurance Act; all aspects of these bills including potential problems created by a federal regulator and a preference for state-based reforms; HR 1065 and S 929 - Non-Admitted and Reinsurance Reform; support for these bills as a more efficient regulatory structure; S 1061 Homeowners Non-Coverage Disclosure Act; costs and problems; HR 5633 and HR 6062 (restrictions on insurers use of credit scoring) oppose these bills which would remove an accurate predictor of insurance claims. HR 3121, S 2284, HR 1682 Flood Insurance Reform and Modernization Act; HR 920 Multiple Peril Insurance Act; HR 921 Flood Insurance Community Outreach Grant Program; HR 922 NFIP Participation Evaluation Act; S 1890 Flood Insurance Choice Act, S 1938 National Flood Mapping Act; S 2151 Community Protection Act, S 2251 Homeowners Flood Protection Act, HR 3959 Phase-in of Actuarial rates for certain properties. HR 2638 and HR 6965 - short term extensions of the NFIP. Our interest in all these bills is to seek meaningful reform of the NFIP including updating flood maps, better enforcement, movement toward actuarially sound rates, and mitigation incentives. We oppose efforts to add a wind peril to the NFIP. HR 5611 National Association of Registered Agent and Brokers Reform Act of 2008; support for the concept of reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. HR 5840 Establish an Office of Insurance Information in the Department of the Treasury; concerns about protection of proprietary data, preemption of state laws, and the appropriate role of the federal government in regulating insurers. HR 4461 and S 2458 Community Building Code Administration Grant Act of 2007; expressed support for these bills which seek to provide funding and incentives for state and local governments to increase their building code enforcement efforts. HR 6078 The Green Act of 2008; questions about impact on the underwriting of homeowners insurance

H.R. 1081; S. 618 Insurance Industry Competition Act of 2007 (all provisions) H.R. 330 Homeowners Insurance Availability Act of 2007 (all provisions) H.R. 1065; S. 929 Nonadmitted and Reinsurance Reform Act of 2007 (all provisions) H.R. 3121; S. 2284 Flood Insurance Reform and Modernization Act (all provisions) H.R. 920 Multiple Peril Insurance Act of 2007 (all provisions) H.R. 3200; S. 40 National Insurance Act of 2007 (all provisions) H.R. 3355; S. 2310 Homeowners Defense Act of 2007 (all provisions) H.R. 4461 Community Building Code Administration Grant Act of 2007 (all provisions) H.R. 3926 Safe Building Code Incentive Act of 2007 (all provisions) Insurance Regulatory Reform H.R. 5611 National Association of Registered Agents and Brokers Reform Act of 2008 (all provisions) H.R. 5633 Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions) H.R. 91; S. 928 Homeowners Insurance Protection Act of 2007 (all provisions) H.R. 537; S. 292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 (all provisions) S. 1061 Homeowners Insurance Noncoverage Disclosure Act (all provisions) H.R. 5792 Increasing Insurance Coverage Options for Consumers Act of 2008 (all provisions) H.R. 6213 Reinsurance International Solvency Standards Evaluation Board Act of 2008 (all provisions) H.R. 6308 Municipal Bond Fairness Act (all provisions) H.R. 5840 Insurance Information Act (all provisions) H.R. 6062 Personal Lines of Insurance Fairness Act of 2008 (all provisions) S. 2458 Community Building Code Administration Grant Act (all provisions) H.R. 3959 to amend National Flood Insurance Act to provide phase-in of actuarial rates (all provisions) H.R. 2638 Continuing Appropriations Resolution (flood insurance provisions) Equity Indexed Annuity 401(k) Rule - SEC Proposed Rule 151A Insurance Literacy

Monitor legislation and advise client as to how if affects them, including generally HR 3121, HR 3644, HR 3959, HR 4050, S 292, S 2284, S 2286.

Client expense: Not reported · Firm income: $50,000

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), SENATE, Transportation, Dept of (DOT)

HR 3959 to amend the National Flood Insurance Act to phase-in actuarial rates for flood insurance, all provisions S 40 National Insurance Act of 2007, all provisions HR 3200 National Insurance Act of 2007, all provisions

Client expense: $660,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

HR91, HR330, HR920, HR921, HR922, HR957, HR1049, HR1065, HR1682, HR2549, HR2761, HR3121, HR3200, HR3926, HR3959, HR4050, HR4299, HR4461, HR4721, HR5611, HR5633, HR5792, HR5840, HR5961, HR6062, HR6213, HR6285, HR6424, S40, S396, S1061, S1890, S1938, S2029, S2151, S2251, S2284, S2285, S2458, S2499, S2621

Client expense: $714,749 · Firm income: Not reported

S 40 and HR 3200 - The National Insurance Act; all aspects of these bills including potential problems created by a federal regulator and a preference for state-based reforms; HR 1065 and S 929 - Non-Admitted and Reinsurance Reform; support for these bills as a more efficient regulatory structure; S 1061 Homeowners Non-Coverage Disclosure Act; costs and problems; HR 5633 and HR 6062 (restrictions on insurers use of credit scoring) oppose these bills which would remove an accurate predictor of insurance claims. HR 3121, S 2284, HR 1682 Flood Insurance Reform and Modernization Act; HR 920 Multiple Peril Insurance Act; HR 921 Flood Insurance Community Outreach Grant Program; HR 922 NFIP Participation Evaluation Act; S 1890 Flood Insurance Choice Act, S 1938 National Flood Mapping Act; S 2151 Community Protection Act, S 2251 Homeowners Flood Protection Act, HR 3959 Phase-in of Actuarial rates for certain properties. Our interest in all these bills is to seek meaningful reform of the NFIP including updating flood maps, better enforcement, movement toward actuarially sound rates, and mitigation incentives. We oppose efforts to add a wind peril to the NFIP. HR 5611 National Association of Registered Agent and Brokers Reform Act of 2008; support for the concept of reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. HR 5840 Establish an Office of Insurance Information in the Department of the Treasury; concerns about protection of proprietary data, preemption of state laws, and the appropriate role of the federal government in regulating insurers.

Client expense: $50,000 · Firm income: Not reported

H.R. 1081; S. 618 Insurance Industry Competition Act of 2007 (all provisions) H.R. 330 Homeowners Insurance Availability Act of 2007 (all provisions) H.R. 1065; S. 929 Nonadmitted and Reinsurance Reform Act of 2007 (all provisions) H.R. 3121; S. 2284 Flood Insurance Reform and Modernization Act (all provisions) H.R. 920 Multiple Peril Insurance Act of 2007 (all provisions) H.R. 3200; S. 40 National Insurance Act of 2007 (all provisions) H.R. 3355; S. 2310 Homeowners Defense Act of 2007 (all provisions) H.R. 4461 Community Building Code Administration Grant Act of 2007 (all provisions) H.R. 3926 Safe Building Code Incentive Act of 2007 (all provisions) Agent Licensing Reform Insurance Regulatory Reform H.R. 5611 National Association of Registered Agents and Brokers Reform Act of 2008 (all provisions) H.R. 5633 Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions) H.R. 91; S. 928 Homeowners Insurance Protection Act of 2007 (all provisions) H.R. 537; S. 292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 (all provisions) S. 1061 Homeowners Insurance Noncoverage Disclosure Act (all provisions) H.R. 5792 Increasing Insurance Coverage Options for Consumers Act of 2008 (all provisions) H.R. 6213 Reinsurance International Solvency Standards Evaluation Board Act of 2008 (all provisions) H.R. 6308 Municipal Bond Fairness Act (all provisions) H.R. 5840 Insurance Information Act (all provisions) H.R. 6062 Personal Lines of Insurance Fairness Act of 2008 (all provisions) S. 2458 Community Building Code Administration Grant Act (all provisions) H.R. 3959 to amend National Flood Insurance Act to provide phase-in of actuarial rates (all provisions)

Client expense: $390,000 · Firm income: Not reported

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537,H.R.5519);.... Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869, H.R.6312, H.R.5841); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056, H.R.6275, H.R.6049, H.R.2886, H.R.5719, H.R.5720); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, H.R.4044, S.2136); Foreclosure Legislation (H.R.3221, H.R.5830, H.R.5818, H.R.5579); Interchange Fee Controls (H.R.5546, S.3086); Student Loan Legislation (H.R. 5715, S. 2815); Internet Gambling Legislation (H.R.5767); Retirement Account Fee Disclosure (H.R.3185). Regulation: Community Reinvestment Act regulations; FDIC ILC Applications; OTS gift card guidance; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Payday Lending Regulations; Deposit Insurance Regulations; SBA Regulations; Federal Reserve Board's Regulation Z (Truth-in-Lending); Fed-SEC Regulation R; Garnishment of Exempt Funds regulation; FACT Act Regulations; FDIC Audit and reporting regulations; Capital Requirements (Basel II); IRS Trust Tax Regulations; Internet gambling regulations; Small bank examination rules; FTC Privacy Rules; OTS Unfair & Deceptive Rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, FBI Subpoenas Addendum, Financial Institution Regulatory Restructuring, SEC Credit Rating Agency Reforms; Unfair and Deceptive Acts or Practices Regulations; Risk-Based Pricing Notices; Home Valuation Code of Conduct Appraisal Rules #17. (continued from previous page) Public Company Accounting Oversight Board Office of Federal Housing Enterprise Oversight

* HR 1746, Holocaust Insurance Accountability Act of 2007 - all provisions * HR 3200, National Insurance Act of 2007 - all provisions * HR 1065, Nonadmitted and Reinsurance Reform Act - all provisions * HR 5840, Insurance Information Act of 2008 - all provisions * HR 6213, Reinsurance International Solvency Standards Evaluation Board Act of 2008 - all provisions * Terrorism Risk Insurance Program Reauthorization Act of 2007, related General Accounting Office studies - all provisions * Climate change-related legislation (no specific legislation) - provisions related to carbon dioxide emissions controls * Natural catastrophe-related legislation (HR 3355, The Homeowner's Defense Act of 2007; HR 164, The Policyholder Disaster Protection Act; HR 330, Homeowners Insurance Availability Act; HR 3959, Amendments to the National Flood Insurance Program) - provisions related to establishment of federal government-sponsored insurance program for natural catastrophe damages and related financing proposals * S 2284/HR 3121, Flood Insurance Reform and Modernization Act of 2007 all provisions * Related party reinsurance (no specific legislation) - provisions related to foreign taxation * US Department of Treasury Blueprint for Financial Regulatory Reform all provisions

Client expense: $190,000 · Firm income: Not reported

Monitor legislation and advise client as to how if affects them, including generally HR 3121, HR 3644, HR 3959, HR 4050, S 292, S 2284, S 2286.

Client expense: Not reported · Firm income: $50,000

Monitor legislation and advise client as to how if affects them. HR 3121, HR 3644, HR 3959, HR 4050, S 292, S 2284, S 2286

Client expense: Not reported · Firm income: $50,000

HR 1682, HR 3121, S 2151-flood insurance reform; HR 3959-national flood provisions; HR 4299, HR 4721, HR 2761-Terrorism risk insurance provisions

Client expense: $25,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT)

HR 1746, Holocaust Insurance Accountability Act of 2007 - all provisions HR 3200, National Insurance Act of 2007 - all provisions HR 1065, Nonadmitted and Reinsurance Reform Act - all provisions Terrorism Risk Insurance Program Reauthorization Act of 2007 implementing regulations - all provisions Climate change-related legislation (no specific legislation) - provisions related to carbon dioxide emissions controls Natural catastrophe-related legislation (HR 3355, The Homeowner's Defense Act of 2007; HR 164, The Policyholder Disaster Protection Act; HR 330, Homeowners Insurance Availability Act; HR 3959, Amendments to the National Flood Insurance Program) - provisions related to establishment of federal government-sponsored insurance program for natural catastrophe damages and related financing proposals Related party reinsurance (no specific legislation) - provisions related to foreign taxation

Client expense: $500,000 · Firm income: Not reported

Government targets: Environmental Protection Agency (EPA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537); (continued) Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Privacy bills (H.R.3056); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, S.2136). Regulation: Community Reinvestment Act regulations; FDIC ILC Applications; OTS gift card guidance; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Payday Lending Regulations; Deposit Insurance Regulations; SBA Regulations; Federal Reserve Board's Regulation Z (Truth-in-Lending); Fed-SEC Regulation R; Garnishment of Exempt Funds regulation; FACT Act Regulations; FDIC Audit and reporting regulations; Capital Requirements (Basel II); IRS Trust Tax Regulations; Internet gambling regulations; Small bank examination rules; FTC Privacy Rules; OTS Unfair & Deceptive Rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, FBI Subpoenas Addendum, Financial Institution Regulatory Restructuring. #17. (continued from previous page) Public Company Accounting Oversight Board

H.R. 91, H.R. 330 H.R. 920, H.R. 921, H.R. 922, H.R. 957, H.R. 1049, H.R. 1065, H.R. 1682, H.R. 2549, H.R. 2761, H.R. 3121, H.R. 3200, H.R. 3926, H.R. 3959, H.R. 4050, H.R. 4299, H.R. 4461, H.R. 4721, H.R. 5611, S. 40S. 1061, S. 1890, S. 1938, S. 2029, S. 2151, S. 2251, S. 2284, S. 2285, S. 2458, S. 2499, S 2621

Client expense: $685,437 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Treasury, Dept of

H.R. 91, H.R. 330 H.R. 920, H.R. 921, H.R. 922, H.R. 957, H.R. 1049, H.R. 1065, H.R. 1682, H.R. 2549, H.R. 2761, H.R. 3121, H.R. 3200, H.R. 3926, H.R. 3959, H.R. 4050, H.R. 4299, H.R. 4461, H.R. 4721, H.R. 5611, S. 40S. 1061, S. 1890, S. 1938, S. 2029, S. 2151, S. 2251, S. 2284, S. 2285, S. 2458, S. 2499, S 2621

Client expense: $685,437 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Treasury, Dept of

H.R. 91, H.R. 330 H.R. 920, H.R. 921, H.R. 922, H.R. 957, H.R. 1049, H.R. 1065, H.R. 1682, H.R. 2549, H.R. 2761, H.R. 3121, H.R. 3200, H.R. 3926, H.R. 3959, H.R. 4050, H.R. 4299, H.R. 4461, H.R. 4721, H.R. 5611, S. 40S. 1061, S. 1890, S. 1938, S. 2029, S. 2151, S. 2251, S. 2284, S. 2285, S. 2458, S. 2499, S 2621

Client expense: $685,437 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Treasury, Dept of

H.R. 91, H.R. 330 H.R. 920, H.R. 921, H.R. 922, H.R. 957, H.R. 1049, H.R. 1065, H.R. 1682, H.R. 2549, H.R. 2761, H.R. 3121, H.R. 3200, H.R. 3926, H.R. 3959, H.R. 4050, H.R. 4299, H.R. 4461, H.R. 4721, H.R. 5611, S. 40S. 1061, S. 1890, S. 1938, S. 2029, S. 2151, S. 2251, S. 2284, S. 2285, S. 2458, S. 2499, S 2621

Client expense: $685,437 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Treasury, Dept of

H.R. 91, H.R. 330 H.R. 920, H.R. 921, H.R. 922, H.R. 957, H.R. 1049, H.R. 1065, H.R. 1682, H.R. 2549, H.R. 2761, H.R. 3121, H.R. 3200, H.R. 3926, H.R. 3959, H.R. 4050, H.R. 4299, H.R. 4461, H.R. 4721, H.R. 5611, S. 40S. 1061, S. 1890, S. 1938, S. 2029, S. 2151, S. 2251, S. 2284, S. 2285, S. 2458, S. 2499, S 2621

Client expense: $685,437 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Treasury, Dept of

H.R. 91, H.R. 330 H.R. 920, H.R. 921, H.R. 922, H.R. 957, H.R. 1049, H.R. 1065, H.R. 1682, H.R. 2549, H.R. 2761, H.R. 3121, H.R. 3200, H.R. 3926, H.R. 3959, H.R. 4050, H.R. 4299, H.R. 4461, H.R. 4721, H.R. 5611, S. 40S. 1061, S. 1890, S. 1938, S. 2029, S. 2151, S. 2251, S. 2284, S. 2285, S. 2458, S. 2499, S 2621

Client expense: $685,437 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Treasury, Dept of

H.R.91, Homeowners' Insurance Protection Act (HIPA). All Provisions. Establishes a program to provide reinsurance for State natural catastrophe insurance programs to help the United States better prepare for and protect its citizens against the ravages of natural catastrophes, to encourage and promote mitigation and prevention for, and recovery and rebuilding from such catastrophes, and to better assist in the financial recovery from such catastrophes. H.R.164, The Policyholder Disaster Protection Act. All Provisions. Amends the Internal Revenue Code of 1986 to provide for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders' claims arising from future catastrophic events. S. 292, Commission on Catastrophic Disaster Risk and Insurance Act. All Provisions. A bill to establish a bipartisan commission on insurance reform. S.330, Homeowners' Insurance Availability Act (HIAA). All Provisions. Establishes a Federal program to provide reinsurance to improve the availability of homeowners' insurance. H.R.537, Commission on Catastrophic Disaster Risk and Insurance Act. All Provisions. Establishes a bipartisan commission on insurance reform. S.618, The Insurance Industry Competition Act. All Provisions. A bill to further competition in the insurance industry. H.R.913, The Hurricane and Tornado Mitigation Investment Act. All Provisions. Amends the Internal Revenue Code of 1986 to provide a credit against tax for hurricane and tornado mitigation expenditures. H.R.920, The Multiple Peril Insurance Act. All Provisions. Amends the National Flood Insurance Act of 1968 to provide for the national flood insurance program to make available multiperil coverage for damage resulting from windstorms or floods, and for other purposes. S.926, The Policyholder Disaster Protection Act. All Provisions. A bill to amend the Internal Revenue Code of 1986 to provide for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders' claims arising from future catastrophic events. S.927, Catastrophic Savings Account Act. All Provisions. A bill to amend the Internal Revenue Code of 1986 to create Catastrophe Savings Accounts. S. 928, Homeowners' Insurance Protection Act (HIPA). All Provisions. A bill to establish a program to provide more protection at lower cost through a national backstop for State natural catastrophe insurance programs to help the United States better prepare for and protect its citizens against the ravages of natural catastrophes, to encourage and promote mitigation and prevention for, and recovery and rebuilding from such catastrophes, to better assist in the financial recovery from such catastrophes, and to develop a rigorous process of continuous improvement. S. 929, The Non-Admitted Lines and Reinsurance Act. All provisions. A bill to streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. S. 930, The Hurricane and Tornado Mitigation Investment Act. All Provisions. A bill to amend the Internal Revenue Code of 1986 to provide a credit against tax for hurricane and tornado mitigation expenditures. H.R.1065, The Non-Admitted Lines and Reinsurance Act. All Provisions. Streamlines the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R. 1081, The Insurance Industry Competition Act. All Provisions. Furthers competition in the insurance industry. H.R. 1787, Catastrophic Savings Account Act. All Provisions. Amends the Internal Revenue Code of 1986 to create Catastrophe Savings Accounts. S.2047, Flood Insurance Disclosure Act of 2007. All Provisions. Requires enhanced disclosures to consumers purchasing flood insurance. S.2251, Homeowner's Flood Insurance Protection Act of 2007. All Provisions. Requires flood insurance for some w/ updates to flood insurance program rate maps. S.2284, Flood Insurance Modernization Act of 2007.All Provisions. Restores the financial solvency of the flood insurance fund S.2286, Commission on Natural Catastrophe Risk Management and Insurance Act of 2007. All Provisions. Establishes a nonpartisan commission on natural catastrophe risk management and insurance. S.2310, Homeowners' Defense Act of 2007. All Provisions. Seeks to establish a National Catastrophic Risks Consortium and a National Homeowners' Insurance Stabilization Program, and for other purposes . S.2621, Terrorism Risk Insurance Improvement Act of 2008. All Provisions. Amends the Terrorism Risk Insurance Act of 2002, to temporarily reduce the insurer deductibles for insurers sustaining insured losses from large terrorism events. H.R.3121, Flood Insurance Reform and Modernization Act of 2007. All Provisions. Restores solvency of the national flood insurance program, program to make available multiperil coverage for damage resulting from windstorms and floods. H.R. 3200, National Insurance Act of 2007. All provisions. Authorizes the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. H.R.3355, Homeowners Defense Act of 2007. All Provisions. Ensures the availability and affordability of homeowners' insurance coverage for catastrophic events. H.R.3959, Flood Insurance. All Provisions. Amends the National Flood Insurance Act of 1968 (Act) to provide for phased-in actuarial premium rates for recently purchased pre-FIRM properties costing at least $600,000. (A pre-FIRM structure is one that was not constructed or substantially improved after the more... later of: (1) December 31, 1974; or (2) the effective date of the initial rate map published by the Director of the Federal Emergency Management Agency (FEMA) under the National Flood Insurance Act of 1968 for the area in which such structure is located.)

HR 3959 to amend the National Flood Insurance Act to phase-in actuarial rates for flood isurance, all provisions S 40 National Insurance Act of 2007, all provisions HR 3200 National Insurance Act of 2007, all provisions

Client expense: $660,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 40 and HR 3200 - The National Insurance Act; all aspects of these bills including potential problems created by a federal regulator and a preference for state-based reforms; HR 1065 and S 929 - Non-Admitted and Reinsurance Reform; support for these bills as a more efficient regulatory structure; S 1061 Homeowners Non-Coverage Disclosure Act; costs and problems; HR 5633 (restrictions on insurers use of credit scoring) oppose these restrictions which would remove an accurate predictor of insurance claims HR 3121, S 2284, HR 1682 Flood Insurance Reform and Modernization Act; HR 920 Multiple Peril Insurance Act; HR 921 Flood Insurance Community Outreach Grant Program; HR 922 NFIP Participation Evaluation Act; S 1890 Flood Insurance Choice Act, S 1938 National Flood Mapping Act; S 2151 Community Protection Act, S 2251 Homeowners Flood Protection Act, HR 3959 Phase-in of Actuarial rates for certain properties. Our interest in all these bills is to seek meaningful reform of the NFIP including updating flood maps, better enforcement, movement toward actuarially sound rates, and mitigation incentives. We oppose efforts to add a wind peril to the NFIP. HR 5611 National Association of Registered Agent and Brokers Reform Act of 2008; support for the concept of reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents.

Client expense: $50,000 · Firm income: Not reported

Monitor legislation and advise client as to how if affects them. HR 3121, HR 3644, HR 3959, HR 4050, S 292, S 2284, S 2286

Client expense: Not reported · Firm income: $50,000

HR 91, HR 330, HR 920, HR 921, HR 922, HR 957, HR 1049, HR 1065, HR 1682, HR 2549, HR 2761, HR 3121, HR 3200, HR 3926, HR 3959, HR 4050, HR 4299, HR 4461, HR 4721, S 40, S 396, S 1061, S 1890, S 1938, S 2029, S 2151, S 2251, S 2284, S 2285, S 2458, S 2499

Client expense: $3,445,011 · Firm income: Not reported

HR 3121, S 2284, HR 1682 Flood Insurance Reform and Modernization Act of 2007; HR 920 Multiple Peril Insurance Act of 2007; HR 921 Flood Insurance Community Outreach Grant Program, HR 922 National Flood Insurance Program Participation Evalution Act of 2007; S. 1890 Flood Insurance Choice Act, S 1938 National Flood Mapping Act; S 2151 Community Protection Act of 2007; S 2251 Homeowners Flood Protection Act; HR 3959 Phase-in of Actuarial Rates for certain properties; Our interest in all these bills is to seek meaningful reform of the NFIP including updating flood maps, better enforcement, a move to actuarially sound rates and mitigation incentives. We oppose efforts to add a wind peril to the NFIP. S 40 and HR 3200 - The National Insurance Act; all aspects of these bills including potential problems created by a federal regulator and a preference for state-based reforms; HR 1065 and S 929 - Non-Admitted and Reinsurance Reform; support for these bills as a more efficient regulatory structure; S 1061 Homeowners Non-Coverage Disclosure Act; costs and problems; HR 2761, S 2285 and HR 4299; Terrorism Risk Insurance Act extension; the need for a workable TRIA program in the future

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE