To extend the authorization of the national flood insurance program, and for other purposes.

H.R. 920 Multiple Peril Insurance Act; provisions relating to wind coverage H.R. 1065 Nonadmitted and Reinsurance Reform Act of 2007; provisions relating to reinsurance coverage by domestic insurers H.R. 1081 Insurance Industry Competition Act of 2007; entire bill H.R. 2638, Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009; provisions relating to a short-term extension of the National Flood Insurance Program H.R. 3121 Flood Insurance Reform & Modernization Act of 2007; provisions relating to NFIP and wind coverage H.R. 3200 National Insurance Act of 2007; entire bill H.R. 3355 - Homeowners Defense Act; provisions relating to state reserves and underwriting requirements H.R. 5611 - The National Association Of Registered Agents And Brokers (NARAB) Reform Act; entire bill H.R. 5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008; provisions relating to insurance underwriting of auto and home coverage H.R. 5638 A bill to amend title 35, United States Code, to create an exception from infringement for certain component parts used to repair another article of manufacture; entire bill H.R. 5840 - The Insurance Information Act of 2008; entire bill H.R. 6062 Personal Lines of Insurance Fairness Act; provisions relating to insurance underwriting of auto and home coverage H.R. 6078, Green Resources for Energy Efficient Neighborhoods (GREEN) Act of 2008; provisions affecting homeowners insurance H.R. 6965 - To extend the authorization of the national flood insurance program, and for other purposes; provisions relating to NFIP S. 40 - National Insurance Act of 2007; entire bill S. 334 - Healthy Americans Act; provisions relating to long-term care S. 618 - Insurance Industry Competition Act of 2007; entire bill S. 2284 - Flood Insurance Reform and Modernization Act of 2007; provisions relating to NFIP

Client expense: $160,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 3483: PASSENGER VEHICLE LOSS DISCLOSURE ACT; LOSS DATABASE, ALL INSURANCE PROVISIONS HR 3200/S40: NATIONAL INSURANCE ACT OF 2007; ALL PROVISIONS OF THE OPTIONAL FEDERAL CHARTER FEDERAL TRADE COMMISSION: PROJECTED HOMEOWNERS CREDIT-SCORING STUDY, COMPULSORY PROCESS AND DATA DEPOSITORY CONCEPT TREASURY DEPARTMENT: REGULATORY REFORM HR 5611: NATIONAL ASSOCIATION OF REGISTERED AGENTS AND BROKERS REFORM ACT OF 2008; ALL PROVISIONS. HR 5840: THE INSURANCE INFORMATION ACT OF 2008; ALL PROVISIONS OF THE BILL HR 5792: INCREASING INSURANCE COVERAGE OPTIONS FOR CONSUMERS ACT OF 2008; ALL PROVISIONS OF THE BILL HR 2638: DEPARTMENT OF HOMELAND SECURITY APPROPRIATIONS ACT OF 2008; PROVISIONS REGARDING THE NATIONAL FLOOD INSURANCE PROGRAM EXTENSION UNTIL MARCH 6, 2009 SMALL BUSINESS ADMINISTRATION: DISASTER RELATED PROGRAMS, FINANCING MECHANISMS AND SBA LOANS, PRE-EVENT SAVINGS PROGRAMS, POST-EVENT LOANS AND INSURANCE. HR 3355: HOMEOWNERS' DEFENSE ACT OF 2007; ALL PROVISIONS OF THE BILL HR 3121/S 2284: FLOOD AND INSURANCE REFORM AND MODERNIZATION ACT OF 2007; ALL PROVISIONS OF THE BILL HR 6965: TO EXTEND THE AUTHORIZATION OF THE NATIONAL FLOOD INSURANCE PROGRAM, AND FOR OTHER PURPOSES; ALL PROVISIONS OF THE BILL HR 5633: THE NONDISCRIMINATORY USE OF CONSUMER REPORTS AND CONSUMER INFORMATION ACT OF 2008; ALL PROVISIONS OF THE BILL HR 6062: THE PERSONAL LINES OF INSURANCE FAIRNESS ACT OF 2008; ALL PROVISIONS OF THE BILL SAFE TEEN AND NOVICE DRIVER UNIFORM PROTECTION ACT (NO BILL NUMBER ASSIGNED); ALL ASPECTS OF THE BILL HR 1776: CALL CENTER CONSUMER'S RIGHT TO KNOW ACT; ALL ASPECTS OF THE BILL HR 4008: CREDIT AND DEBIT CARD RECEIPT CLARIFICATION ACT OF 2007; ALL PROVISIONS OF THE BILL GENERAL NATURAL CATASTROPHE, FLOOD AND MULTIPLE PERIL COVERAGE ISSUES GENERAL TRACKING AND MONITORING OF FINANCIAL RESCUE PACKAGE, TROUBLED ASSET RELIEF PROGRAM AND CAPITAL PURCHASE PROGRAM GENERAL FLOOD INSURANCE REAUTHORIZATION AND REFORM ISSUES TRANSPORTATION DEPARTMENT: PAY AS YOU DRIVE (PAYD) INITIATIVES AND CLIMATE CONTROL ISSUES

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.

Flood Insurance Reform and Modernization Act of 2007 - H.R. 3121, all provisions; Flood Insurance Reform and Modernization Act of 2007--H.R. 1682, all provisions; Hurricane and Tornado Mitigation Investment Act of 2007 - S. 930, all provisions; Nonadmitted and Reinsurance Reform Act of 2007--S 929, all provisions; Homeowners Protection Act - S. 928, all provisions; Catastrophe Savings Accounts Act of 2007 - S. 927, all provisions; Policyholder Disaster Protection Act of 2007 - S. 926, all provisions Homeowners' Insurance Availability Act of 2007 - H. R. 330, all provisions; Homeowners' Defense Act - H.R. 3355, all provisions; Homeowners' Defense Act - S. 2310, all provisions; To extend the authorization of the NFIP H.R.6965, all provisions

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - S. 292, all provisions; Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - H.R. 537, all provisions; Passenger Vehicle Loss Disclosure Act - S. 545, all provisions; Insurance Industry Competition Act of 2007 - H.R. 1081, all provisions; Insurance Industry Competition Act of 2007 - S. 618, all provisions; Homeowners' Insurance Noncoverage Disclosure Act - S. 1061, all provisions; National Insurance Act of 2007 - S. 40, all provisions Community Reinvestment Modernization Act of 2007 - H.R. 1289, all provisions National Insurance Act of 2007 - H.R. 3200, all provisions Terrorism Risk Insurance Improvement Act of 2008 - S. 2621, all provisions Office of Insurance Information Act H.R. 5840, all provisions National Association of Registered Agents and Brokers Reform Act H.R. 5611, all provisions Personal Lines Insurance Fairness Act H.R. 6062, all provisions Risk Retention Act H.R. 5792, all provisions Flood Insurance Reform and Modernization Act of 2007 - H.R. 3121, all provisions Flood Insurance Reform and Modernization Act of 2007 - H.R. 1682, all provisions Hurricane and Tornado Mitigation Investment Act of 2007 - S. 930, all provisions Nonadmitted and Reinsurance Reform Act of 2007 - S. 929, all provisions Homeowners Protection Act - S. 928, all provisions Catastrophe Savings Accounts Act of 2007 - S. 927, all provisions Policyholder Disaster Protection Act of 2007 - S. 926, all provisions Homeowners' Insurance Availability Act of 2007 - H. R. 330, all provisions Homeowners' Defense Act - H.R. 3355, all provisions Homeowners' Defense Act - S. 2310, all provisions To extend the authorization of the NFIP H.R.6965, all provisions

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

H.R. 920 Multiple Peril Insurance Act; provisions relating to wind coverage H.R. 1065 Nonadmitted and Reinsurance Reform Act of 2007; provisions relating to reinsurance coverage by domestic insurers H.R. 1081 Insurance Industry Competition Act of 2007; entire bill H.R. 2638, Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009; provisions relating to a short-term extension of the National Flood Insurance Program H.R. 3121 Flood Insurance Reform & Modernization Act of 2007; provisions relating to NFIP and wind coverage H.R. 3200 National Insurance Act of 2007; entire bill H.R. 3355 - Homeowners Defense Act; provisions relating to state reserves and underwriting requirements H.R. 5611 - The National Association Of Registered Agents And Brokers (NARAB) Reform Act; entire bill H.R. 5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008; provisions relating to insurance underwriting of auto and home coverage H.R. 5638 A bill to amend title 35, United States Code, to create an exception from infringement for certain component parts used to repair another article of manufacture; entire bill H.R. 5840 - The Insurance Information Act of 2008; entire bill H.R. 6062 Personal Lines of Insurance Fairness Act; provisions relating to insurance underwriting of auto and home coverage H.R. 6078, Green Resources for Energy Efficient Neighborhoods (GREEN) Act of 2008; provisions affecting homeowners insurance H.R. 6965 - To extend the authorization of the national flood insurance program, and for other purposes; provisions relating to NFIP S. 40 - National Insurance Act of 2007; entire bill S. 334 - Healthy Americans Act; provisions relating to long-term care S. 618 - Insurance Industry Competition Act of 2007; entire bill S. 2284 - Flood Insurance Reform and Modernization Act of 2007; provisions relating to NFIP

HR4461/S2458: THE COMMUNITY BUILDING CODE ADMINISTRATION GRANT ACT OF 2008; ALL PROVISIONS HR493/S358: GENETIC INFORMATION NONDISCRIMINATION ACT OF 2008; ALL PROVISIONS HR3926: SAFE BUILDING CODE INCENTIVES ACT OF 2007; ALL PROVISIONS HR1776: CALL CENTER CONSUMER;S RIGHT TO KNOW ACT; ALL PROVISIONS HR3200/S40: NATIONAL INSURANCE ACT OF 2007; ALL PROVISIONS S2284: FLOOD INSURANCE REFORM AND MODERNIZATION ACT OF 2007; ALL PROVISIONS HR1424: EMERGENCY ECONOMIC STABILIZATION ACT OF 2008; ALL PROVISIONS HR5633: NONDISCRIMINATORY USE OF CONSUMER REPORTS AND CONSUMER INFORMATION ACT OF 2008; ALL PROVISIONS HR6062: PERSONAL LINES OF INSURANCE FAIRNESS ACT OF 2008; ALL PROVISIONS SAFE TEEN AND NOVICE DRIVER UNIFORM PROTECTION ACT OF 2007; ALL PROVISIONS MOTOR VEHICLE TITLING/SALVAGE; DRAFT BILL (NO NUMBER ASSIGNED) FEDERAL TRADE COMMISSION: HOMEOWNERS CREDIT-SCORING; COMPULSORY PROCESS DEPARTMENT OF TREASURY: TERRORISM RISK INSURANCE ACT OF 2002 - CONTROLLING INFLUENCE SUBMISSION; BLUEPRINT FOR FINANCIAL SERVICES REGULATORY REFORM - DISCUSSION ON SECTIONS REGARDING INSURANCE REGULATION HR5611: NATIONAL ASSOCIATION OF REGISTERED AGENTS AND BROKERS REFORM ACT OF 2008; ALL PROVISIONS HR5840: INSURANCE INFORMATION ACT OF 2008; ALL PROVISIONS OF BILL HR5792: INCREASING INSURANCE COVERAGE OPTIONS FOR CONSUMERS ACT OF 2008; ALL PROVISIONS HR3121/S2284: FLOOD INSURANCE REFORM AND MODERNIZATION ACT; ALL PROVISIONS HR3355: HOMEOWNERS DEFENSE ACT; ALL PROVISIONS S2390: FIRE SAFE COMMUNITIES ACT; ALL PROVISIONS HR2638: 2009 CONTINUING APPROPRIATIONS ACT; PROVISIONS REGARDING THE NATIONAL FLOOD INSURANCE PROGRAM EXTENSION HR6965: EXTEND THE AUTHORIZATION OF THE NATIONAL FLOOD INSURANCE PROGRAM AND FOR OTHER PURPOSES; ALL PROVISIONS HR5633: NONDISCRIMINATORY USE OF CONSUMER REPORTS AND CONSUMER INFORMATION ACT OF 2008; ALL PROVISIONS HR6062: PERSONAL LINES OF INSURANCE FAIRNESS ACT OF 2008; ALL PROVISIONS

Insurance Industry Competitiveness: S. 618 - Insurance Industry Competition Act of 2007 H.R 1081 - Insurance Industry Compeition Act of 2007 Insurance Regulation: H.R. 1065 - Nonadmitted & Reinsurance Reform Act of 2007 (Surplus Lines) S. 40 - National Insurance Act of 2007 (Optional Federal Charter) H.R. 3200 - National Insurance Act of 2007 (Optional Federal Charter) H.R. 5840 - Insurance Information Act of 2008 (Creation of an Insuranc Information Office in Treasury to pre-empt state laws that contravene established international agreement) H.R. 5611 - National Association of Registered Agents and Brokers Reform Act of 2008 (Registration of insurance brokers across state lines) H.R. 5792 - Increasing Insurance Coverage Options for Consumers Act of 2008 (Allows commercial real estate owners to form risk retention groups for real property) National Flood Insurance Program Extension & Modifications: H.R. 1682 - The Flood Insurance Reform & Modernization Act of 2007 S. 920 - Multiple Peril Insurance Act of 2007 H.R. 91 - Homeowners Protection Act of 2007 H.R. 3121 - The Flood Insurance Reform & Modernization Act of 2007 S. 2284 - The Flood Insurance Reform & Modernization Act of 2007 S. 1938 - The National Flood Mapping Act of 2007 H.R. 3959 - To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties. H.R. 2638 - Department of Homeland Security Appropriations Act, 2008 (Continuing Resolution that authorized extension of the National Flood Insurance Program beyond 9/30/08 expiration date) H.R. 6965 - (No Title Given) Provided for extension of NFIP beyond FY'08. Incorporated into CR above. Homeowners' Insurance Affordability & Availability: S. 926 - Policyholder Disaster Protection Act of 2007 S. 928 - Homewoners Protection Act of 2007 H.R. 164 - Policyholder Disaster Protection Act of 2007 H.R. 330 - Homeowners Insurance Availability Act of 2007 S. 2327 - Homeowners Insurance Assistance Act of 2007 Establishment of a National Catastrophe Commission: S. 2286 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 S. 292 - Commission on Catastrophic Disaster Risk & Insurance Act of 2007 H.R. 537 - Commission on Catastrophic Disaster Risk & Insurance Act of 2007 H.R. 3355 - Homeowners' Defense Act of 2007 S. 2310 - Homeowners' Defense Act of 2007

HR 3121--Flood Insurance Reform and Modernization Act of 2007, all provisions; HR 1682--Flood Insurance Reform and Modernization Act of 2007, all provisions; S 930--Hurricane and Tornado Mitigation Investment Act of 2007, all provisions; S 929--Nonadmitted and Reinsurance Reform Act of 2007, all provisions; S 928--Homeowners Protection Act of 2007, all provisions; S 927--Catastrophe Savings Accounts Act of 2007, all provisions; S 926--Policyholder Disaster Protection Act of 2007, all provisions HR 330--Homeowners' Insurance Availability Act of 2007, all provisions; HR 3355--Homeowners' Defense Act of 2007, all provisions; S 2310--Homeowners' Defense Act of 2007, all provisions; HR 6965--To extend the authorization of the national flood insurance program, and for other purposes, all provisions related to the national flood insurance program.

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

Government targets: Federal Trade Commission (FTC), 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 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