To instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes.

Dodd Frank Act implementation (Sections 913, 914, 922, 929Y, 929Z, 982); HR 2146/S 1222 - Data Act of 2011 - provisions dealing with data standards; HR 2943 - Short Term TANF Extension Act; HR 3339 Standard DATA Act - provisions dealing with data standards. HR 3213 - Small Company Job Growth Regulatory Relief Act of 2011. HR 2483 - Whistleblower Improvement Act of 2011. HR 3630 - Middle Class Tax Relief and Job Creation Act of 2011 - provisions dealing with social security data standards. S 3600 - Data Act. HR 4631 - GSA Act of 2012, HR 3659 - Welfare Integrity and Data Improvement Act - provisions dealing with social security data standards. HR 3433 - GRANT Act - website reporting sections and single audit sections. HR 2056 - Provisions relating to accounting treatment (c)(2)(c) and section 3(a)(2). S 1962 and HR 2941 - Start-up Expansion and Investment Act. HR 1723 - Common Sense Economic Recovery Act - provisions relating to non-accrual loans. HR 1697 - Communities First Act. HR 1070 - Small Company Capital Formation - provisions on yearly audits. S 1866 and HR 3476 - AGREE Act - provisions on audits. HR 3655 - Small Business Access to Capital Act of 2011 - provisions dealing with government conferences. HR 4631 - provisions dealing with government conferences. S 1907/HR 3505 - dealing with PCAOB disciplinary hearings.

Client expense: $1,000,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

Dodd Frank Act implentation (Section 913, 914, 922, 929Y, 929Z, 982); HR 2146/S 1222 - Data Act of 2011 - provisions dealing with data standards; HR 2483 - Whistleblower Improvement Act of 2011; HR 2827/S 3620 - provisions dealing with exemption for municipal advisors; S 1483 - Incorporation Transparency and Law Enforcement Assistance Act - provisions dealing with public disclosure of beneficial owners of private companies; HR 2056 - To instruct the Inspector General of FDIC to study the impact of insured depository institutions failures - regulatory captal provisions

Client expense: $1,000,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

Legislation affecting small businesses including H.R. 1723, H.R. 2056, H.R. 3461, S.2364 and small business issues related to access to credit; Pool lift requirements (H.R. 4256).

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 556, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 1408, the Data Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1434, the Data Security Act of 2011, (all provisions, including data security and consumer notice requirements) S. 1535, the Personal Data Protection and Breach Accountability Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1615, the Financial Regulatory Responsibility Act of 2011 (all provisions) S. 1824, the Private Company Flexibility and Growth Act (all provisions) S. 1941, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 2099, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) S. 2160, the Financial Institutions Examination Fairness and Reform Act (all provisions) S. 2223, a bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes (all provisions) S. 2231, the Small Business Lending Enhancement Act of 2012 (all provisions) S. 3204, a bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes (all provisions) S. 3394, A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and for other purposes (all provisions) S. 3492, A bill to provide exemptions from municipal advisor registration requirements (all provisions) S. 3637, A bill to temporarily extend the transaction account guarantee program, and for other purposes (all provisions) H.R. 1573, a bill to facilitate implementation of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption (all provisions) H.R. 1965, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) H.R. 2056, a bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes H.R. 2167, the Private Company Flexibility and Growth Act (all provisions) H.R. 2577, the SAFE Data Act (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) H.R. 2827, to amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors and for other purposes H.R. 3128, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to adjust the date on which consolidated assets are determined for purposes of exempting certain instruments of smaller institutions from capital deductions (all provisions) H.R. 3283, the Swap Jurisdiction Certainty Act (all provisions) H.R. 3461, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 3606, the Jumpstart Our Business Startups (JOBS) Act (provisions regarding shareholder threshold for SEC registration) H.R. 3871, the Proprietary Information Protection Act of 2012 (all provisions) H.R. 3993, Capital Access for Small Businesses and Jobs Act H.R. 4014, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) H.R. 4088, the Capital Expansion Act (all provisions) H.R. 4235, to amend the Securities Exchange Act of 1934 and the Commodity Exchange Act to repeal the indemnification requirements for regulatory authorities to obtain access to swap data required to be provided by swaps entities under such Acts (all provisions) H.R. 4367, to amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine (all provisions) H.R. 5860, the Executive Compensation Clawback Full Enforcement Act (all provisions) H.R. 6524, To make improvements to provisions of the Bank Holding Company Act of 1956 relating to proprietary trading by banking entities. H.R. 6613, the Markets and Trading Reorganization Act (all provisions) Proposal to Implement Basel III Capital Standards Proposal to implement the Volcker Rule under the Dodd-Frank Act

Client expense: $2,110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation: Regulatory environment affecting banks, including community banks; Debit Card Interchange Fee legislation (S.575, H.R.1081, H.R.3156); GSE legislation (H.R.1182, H.R.31, H.R.1221, H.R.1222,H.R.1223, H.R.1224, H.R.1225, H.R.1226, H.R.1227, H.R.2436, H.R.2441, H.R.2440, H.R.2462, H.R.463, H.R.2439); Mortgage Foreclosure Relief legislation (H.R.830, H.R.836, H.R.839, H.R.861) ; (Continued on next page) Legislation (cont'd.): Credit Union business lending (S.509, H.R.1418, S.2231); Internet Gambling Regulation (H.R.1174); Consumer Financial Protection Bureau Governance (H.R.1121, H.R.1315). Small Business Lending (S.493), Bankruptcy Legislation (S.222), National Flood Insurance Reform (H.R.1309, H.R.5740), Business Activity Tax Simplification Act (H.R. 1439), Executive Compensation (H.R. 1062), Covered Bonds (H.R.940), Patent Reform (H.R.1249), CFPB Appropriations Legislation. Information Security/Privacy (H.R.2577, H.R.3035, S.1151, S.1408, S.1434, S.1535), Deficit Reduction, American Jobs Act, Regulatory Freeze for Jobs Act (H.R.4078), Appropriation Legislation, Patent Office Reform (H.R.1249). Fannie Mae/Freddie Mac/FHA Fees (H.R. 3765); Flood Insurance Reform & Extension (H.R.2608, HJ Res. 94, HJ Res. 95, H.R.2055, H.R.3671, S.1958); Bank & Corporate Governance (H.R. 1965, S.556, S.1941,H.R.2940, H.R.2930); SEC Registration Threshold (H.R.2167, HR.1070); Sarbanes-Oxley Auditor Requirements (H.R.3213); Restoration of Fannie Mae/Freddie Mac/FHA Higher Loan Limits (Amendment to Ag Appropriations bill); Bank Examination Fairness (H.R.3461,S.2160); Bank Failure Study Legislation (H.R.2056); Federal Tax on Larger Financial Institutions; Credit Union Capital (H.R.3993); Amendment on non-resident alien interest reporting; The JOBS Act - H.R.3606; Municipal Advisor Exemption - H.R.2827; CFPB Confidential Information Protection - H.R.4014; ATM Signage (H.R.4367, S.3204); Transportation; Treasury; Student Loan Appropriations (H.R.4348); Heightened Regulatory Capital Requirements, including the Collins amendment (H.R.3128); protection of privileged information provided to CFPB (S.3204); Mutual mortgage insurance fund (H.R.4264); definition of municipal advisor (H.R.2827); loan guarantees & eminent domain (H.R.6397); TAG extension bill (S.3637); Annual Privacy Notice requirement limits (H.R.5817); CFPB privileged information (H.R. 4014); ATM placard requirements (H.R. 4367). Regulation: Fed. Reg. B (Equal Credit Opportunity) Rules, Fed and FDIC Orderly Resolution Regulations for Systemically Significant Companies, Fin CEN Bank Secrecy Act reporting requirements, General Obligation Bonds, Thrift institution regulation and reporting transfer to OCC and Fed, FASB Auditor Independence Rules, OCC Guidance on Deposit-Related Consumer Credit Products, Fed, FDIC and OCC Retail Foreign Exchange Rules, Regulation Q, Fed and FTC Credit Score Disclosure Rules, OCC Foreclosure Guidance. FDIC Assessment, Base & Rate Regulation; Registration of Mortgage Loan Originators; Federal Reserve Regulation II - debit card interchange fee regulation; SEC registration of municipal advisor regulation; FDIC Interest on Lawyer Account deposit insurance coverage regulation; FASB Mark to Market Accounting; shareholder executive compensation rules; FASB lease accounting rules; FASB impairment of financial asset rules; mortgage disclosure regulation; regulatory burden relief; federal garnishment rules; Federal Home Loan Bank system membership; Credit Card Act implementation; Regulation Z (Truth-in-Lending) amendments; Payment Settlement Entity Reporting; Interest on Non-Resident Alien Account Reporting; Credit Risk Retention Regulation. FDIC and OCC Overdraft and Bank Product Guidance, Repeal of Reg. Q, FHFA Rules on purchase of housing cooperative loans, IRS Guidance on Trust Commissions, Fed Savings and Loan Holding Company Regulation, Fed Remittance Transfer Proposal, National bank preemption, Risk-based capital requirements, CFPB Regulations. Home Mortgage Disclosure Act Reporting of Assignments in lieu of Mortgage Discharge (Reg C); Restrictions on Bank Proprietary Trading (Volcker Rule); Acquisitions of non-systemically significant financial institutions; Flood Insurance Guidance; Treasury Home Affordable Refinance Program; Examiner Treatment of New York State and Local Government Securities; CFPB Credit Card Disclosures; CFPB Deposit Account Disclosures; CFPB Mortgage Disclosures; Enhanced Regulation of large bank holding companies and non-bank firms. Patent and Trademark Reform Regulatory Implementation; Regulations Implementing the Dodd-Frank Act; Stress Test Regulations; Allowance for Loan and Lease Losses (ALLL); Servicing and Foreclosure Guidance and Regulations; Home Loan Bank Member Supervision; CFPB Streamlined Regulations Project; CFPB Regulations on Privileged Information; Qualified Mortgage Safe Harbor; Extension of the TAG Program; Regulations implementing higher capital standards including the market risk capital final rule and 3 proposed rules under Basel III; CFPB proposed regulations on "high cost" mortgage definition; CFPB final and proposed rules on swaps; Federal Reserve rule on fraud prevention adjustments for debit card issuers; CFPB mortgage servicing rules and appraisal requirement rules; CFPB mortgage loan option rule; CFPB proposal on telephone surveys for short-form credit card agreements; OCC rule on the short-term investment fund (STIF); Financial Crimes Enforcement Network advisory on Suspicious Activity Reports; federal regulators guidance on natural disasters; FSOC proposals on Money Market Mutual Funds; CFPB procedures for examiners regarding student lending.

Client expense: $40,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

Legislation: Regulatory environment affecting banks, including community banks; Debit Card Interchange Fee legislation (S.575, H.R.1081, H.R.3156); GSE legislation (H.R.1182, H.R.31, H.R.1221, H.R.1222,H.R.1223, H.R.1224, H.R.1225, H.R.1226, H.R.1227, H.R.2436, H.R.2441, H.R.2440, H.R.2462, H.R.463, H.R.2439); Mortgage Foreclosure Relief legislation (H.R.830, H.R.836, H.R.839, H.R.861) ; (Continued on next page) Legislation (cont'd.): Credit Union business lending (S.509, H.R.1418, S.2231); Internet Gambling Regulation (H.R.1174); Consumer Financial Protection Bureau Governance (H.R.1121, H.R.1315). Small Business Lending (S.493), Bankruptcy Legislation (S.222), National Flood Insurance Reform (H.R.1309, H.R.5740), Business Activity Tax Simplification Act (H.R. 1439), Executive Compensation (H.R. 1062), Covered Bonds (H.R.940), Patent Reform (H.R.1249), CFPB Appropriations Legislation. Information Security/Privacy (H.R.2577, H.R.3035, S.1151, S.1408, S.1434, S.1535), Deficit Reduction, American Jobs Act, Regulatory Freeze for Jobs Act (H.R.4078), Appropriation Legislation, Patent Office Reform (H.R.1249). Fannie Mae/Freddie Mac/FHA Fees (H.R. 3765); Flood Insurance Reform & Extension (H.R.2608, HJ Res. 94, HJ Res. 95, H.R.2055, H.R.3671, S.1958); Bank & Corporate Governance (H.R. 1965, S.556, S.1941,H.R.2940, H.R.2930); SEC Registration Threshold (H.R.2167, HR.1070); Sarbanes-Oxley Auditor Requirements (H.R.3213); Restoration of Fannie Mae/Freddie Mac/FHA Higher Loan Limits (Amendment to Ag Appropriations bill); Bank Examination Fairness (H.R.3461,S.2160); Bank Failure Study Legislation (H.R.2056); Federal Tax on Larger Financial Institutions; Credit Union Capital (H.R.3993); Amendment on non-resident alien interest reporting; The JOBS Act - H.R.3606; Municipal Advisor Exemption - H.R.2827; CFPB Confidential Information Protection - H.R.4014; ATM Signage (H.R.4367, S.3204); Transportation; Treasury; Student Loan Appropriations (H.R.4348); Heightened Regulatory Capital Requirements, including the Collins amendment (H.R.3128); protection of privileged information provided to CFPB (S.3204); Mutual mortgage insurance fund (H.R.4264); definition of municipal advisor (H.R.2827); loan guarantees & eminent domain (H.R.6397). Regulation: Fed. Reg. B (Equal Credit Opportunity) Rules, Fed and FDIC Orderly Resolution Regulations for Systemically Significant Companies, Fin CEN Bank Secrecy Act reporting requirements, General Obligation Bonds, Thrift institution regulation and reporting transfer to OCC and Fed, FASB Auditor Independence Rules, OCC Guidance on Deposit-Related Consumer Credit Products, Fed, FDIC and OCC Retail Foreign Exchange Rules, Regulation Q, Fed and FTC Credit Score Disclosure Rules, OCC Foreclosure Guidance. FDIC Assessment, Base & Rate Regulation; Registration of Mortgage Loan Originators; Federal Reserve Regulation II - debit card interchange fee regulation; SEC registration of municipal advisor regulation; FDIC Interest on Lawyer Account deposit insurance coverage regulation; FASB Mark to Market Accounting; shareholder executive compensation rules; FASB lease accounting rules; FASB impairment of financial asset rules; mortgage disclosure regulation; regulatory burden relief; federal garnishment rules; Federal Home Loan Bank system membership; Credit Card Act implementation; Regulation Z (Truth-in-Lending) amendments; Payment Settlement Entity Reporting; Interest on Non-Resident Alien Account Reporting; Credit Risk Retention Regulation. FDIC and OCC Overdraft and Bank Product Guidance, Repeal of Reg. Q, FHFA Rules on purchase of housing cooperative loans, IRS Guidance on Trust Commissions, Fed Savings and Loan Holding Company Regulation, Fed Remittance Transfer Proposal, National bank preemption, Risk-based capital requirements, CFPB Regulations. Home Mortgage Disclosure Act Reporting of Assignments in lieu of Mortgage Discharge (Reg C); Restrictions on Bank Proprietary Trading (Volcker Rule); Acquisitions of non-systemically significant financial institutions; Flood Insurance Guidance; Treasury Home Affordable Refinance Program; Examiner Treatment of New York State and Local Government Securities; CFPB Credit Card Disclosures; CFPB Deposit Account Disclosures; CFPB Mortgage Disclosures; Enhanced Regulation of large bank holding companies and non-bank firms. Patent and Trademark Reform Regulatory Implementation; Regulations Implementing the Dodd-Frank Act; Stress Test Regulations; Allowance for Loan and Lease Losses (ALLL); Servicing and Foreclosure Guidance and Regulations; Home Loan Bank Member Supervision; CFPB Streamlined Regulations Project; CFPB Regulations on Privileged Information; Qualified Mortgage Safe Harbor; Extension of the TAG Program; Regulations implementing higher capital standards including the market risk capital final rule and 3 proposed rules under Basel III; CFPB proposed regulations on "high cost" mortgage definition; CFPB final and proposed rules on swaps; Federal Reserve rule on fraud prevention adjustments for debit card issuers; CFPB mortgage servicing rules and appraisal requirement rules; CFPB mortgage loan option rule; CFPB proposal on telephone surveys for short-form credit card agreements.

Client expense: $40,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

S. 509, the Small Business Lending Enhancement Act of 2011 (all provisions) S. 556, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions)S. 1151, the Personal Data Privacy and Security Act of 2011 (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) S. 1207, the Data Security and Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1408, the Data Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1434, the Data Security Act of 2011, (all provisions, including data security and consumer notice requirements) S. 1535, the Personal Data Protection and Breach Accountability Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1615, the Financial Regulatory Responsibility Act of 2011 (all provisions) S. 1824, the Private Company Flexibility and Growth Act (all provisions) S. 1941, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 2099, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) S. 2160, the Financial Institutions Examination Fairness and Reform Act (all provisions) S. 2223, a bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes (all provisions) S. 2231, the Small Business Lending Enhancement Act of 2012 (all provisions) S. 3204, a bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes (all provisions) S. 3394, A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and for other purposes (all provisions) S. 3492, A bill to provide exemptions from municipal advisor registration requirements (all provisions) H.R. 1070, the Small Company Capital Formation Act of 2011 (all provisions) H.R. 1418, the Small Business Lending Enhancement Act of 2011 (all provisions) H.R. 1539, the Asset-Backed Market Stabilization Act of 2011 (all provisions) H.R. 1573, a bill to facilitate implementation of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption (all provisions) H.R. 1965, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) H.R. 2056, a bill To instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposesH.R. 2167, the Private Company Flexibility and Growth Act (all provisions) H.R. 2577, the SAFE Data Act (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) H.R. 2827, to amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors and for other purposes H.R. 3128, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to adjust the date on which consolidated assets are determined for purposes of exempting certain instruments of smaller institutions from capital deductions (all provisions) H.R. 3283, the Swap Jurisdiction Certainty Act (all provisions) H.R. 3461, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 3606, the Jumpstart Our Business Startups (JOBS) Act (provisions regarding shareholder threshold for SEC registration) H.R. 3871, the Proprietary Information Protection Act of 2012 (all provisions) H.R. 3993, Capital Access for Small Businesses and Jobs Act H.R. 4014, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) H.R. 4088, the Capital Expansion Act (all provisions) H.R. 4235, to amend the Securities Exchange Act of 1934 and the Commodity Exchange Act to repeal the indemnification requirements for regulatory authorities to obtain access to swap data required to be provided by swaps entities under such Acts (all provisions) H.R. 4367, to amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine (all provisions) H.R. 5860, the Executive Compensation Clawback Full Enforcement Act (all provisions) H.R. 6524, To make improvements to provisions of the Bank Holding Company Act of 1956 relating to proprietary trading by banking entities. Proposal to Implement Basel III Capital Standards Proposal to implement the Volcker Rule under the Dodd-Frank Act

Client expense: $1,650,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 509, the Small Business Lending Enhancement Act of 2011 (all provisions) S. 556, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 1151, the Personal Data Privacy and Security Act of 2011 (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) S. 1207, the Data Security and Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1408, the Data Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1434, the Data Security Act of 2011, (all provisions, including data security and consumer notice requirements) S. 1535, the Personal Data Protection and Breach Accountability Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1615, the Financial Regulatory Responsibility Act of 2011 (all provisions) S. 1824, the Private Company Flexibility and Growth Act (all provisions) S. 1941, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 2099, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) S. 2160, the Financial Institutions Examination Fairness and Reform Act (all provisions) S. 2223, a bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes (all provisions) S. 2231, the Small Business Lending Enhancement Act of 2012 (all provisions) S. 3204, a bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes (all provisions) S. 3394, A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and for other purposes (all provisions) S. 3492, A bill to provide exemptions from municipal advisor registration requirements (all provisions) H.R. 1070, the Small Company Capital Formation Act of 2011 (all provisions) H.R. 1418, the Small Business Lending Enhancement Act of 2011 (all provisions) H.R. 1539, the Asset-Backed Market Stabilization Act of 2011 (all provisions) H.R. 1573, a bill to facilitate implementation of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption (all provisions) H.R. 1965, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) H.R. 2056, a bill To instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes H.R. 2167, the Private Company Flexibility and Growth Act (all provisions) H.R. 2577, the SAFE Data Act (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) H.R. 2827, to amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors and for other purposes H.R. 3128, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to adjust the date on which consolidated assets are determined for purposes of exempting certain instruments of smaller institutions from capital deductions (all provisions) H.R. 3283, the Swap Jurisdiction Certainty Act (all provisions) H.R. 3461, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 3606, the Jumpstart Our Business Startups (JOBS) Act (provisions regarding shareholder threshold for SEC registration) H.R. 3871, the Proprietary Information Protection Act of 2012 (all provisions) H.R. 3993, Capital Access for Small Businesses and Jobs Act H.R. 4014, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) H.R. 4088, the Capital Expansion Act (all provisions) H.R. 4235, to amend the Securities Exchange Act of 1934 and the Commodity Exchange Act to repeal the indemnification requirements for regulatory authorities to obtain access to swap data required to be provided by swaps entities under such Acts (all provisions) H.R. 4367, to amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine (all provisions) H.R. 5860, the Executive Compensation Clawback Full Enforcement Act (all provisions) H.R. 6524, To make improvements to provisions of the Bank Holding Company Act of 1956 relating to proprietary trading by banking entities. Proposal to Implement Basel III Capital Standards Proposal to implement the Volcker Rule under the Dodd-Frank Act

Client expense: $1,650,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Dodd Frank Act implentation (Section 913, 914, 922, 929Y, 929Z, 982); HR 2146/S 1222 - Data Act of 2011 - provisions dealing with data standards; HR 2483 - Whistleblower Improvement Act of 2011; HR 2827/S 3620 - provisions dealing with exemption for municiple advisors; S 1483 - Incorporation Transparancy and Law Enforcement Assistance Act - provisions dealing with public disclosure of beneficial owners of private companies; HR 2056 - To instruct the Inspector general of FDIC to study the impact of insured depository institutions failures - regulatory capital provisions

Client expense: $1,010,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

Dodd Frank Act implementation (Sections 913, 914, 922, 929Y, 929Z, 982); HR 2146/S 1222-Data Act of 2011 - provisions dealing with data standards; HR 2943 - Short Term TANF Extension Act; HR 3339 Standard DATA Act - provisions dealing with data standards. HR 3213 - Small Company Job Growth Regulatory Relief Act of 2011. HR 2483 - Whistleblower Improvement Act of 2011. HR 3630 - Middle Class Tax Relief and Job Creation Act of 2011 - provisions dealing with social security data standards. S. 3600 - Data Act. HR 4631 - GSA Act of 2012. HR 3659 - Welfare Integrity and Data Improvement Act - provisions dealing with social security data standards. HR 3433 - GRANT Act - website reporting sections and single audit sections. HR 2056 - Provisions relating to accounting treatment (c)(2)(c) and section 3(a)(2). S 1962 and HR 2941 - Start-up Expansion and Investment Act. HR 1723 - Common Sense Economic Recovery Act - provisions relating to non-accrual loans. HR 1697 - Communities First Act. HR 1070 - Small Company Capital Formation - provisions on yearly audits. S 1866 and HR 3476 - AGREE Act - provisions on audits. HR 3655 - Small Business Access to Capital Act of 2011 - provisions on audits. SA 936 to HR 2354 - provisions on audits. S 1965 - Startup Act of 2011 - GAO study on audit costs. S 1962 - Startup Expansion and Investment Act - provisions on audits. Data Act, HR 2146 - provisions dealing with government conferences. HR 4631 - provisions dealing with government conferences. S 1907/HR 3505 - dealing with PCAOB disciplinary hearings.

Client expense: $1,010,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

Increase in Credit Union Lending Cap S509 - Small Business Lending Enhancement Act of 2011 S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 HR5940 - Preserving American Homeownership Act of 2012 S2080 - Keeping Families in their Home Act of 2012 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act HR3733 - Affordable Mortgages for Homeowners Act of 2011 S3085 - Responsible Homeowners Refinancing Act S3520 - Rebuilding Equity Act of 2012 S3047 - Expanding Refinancing Opportunities Act of 2012 Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 S967 - Regulation of Mortgage Servicing Act of 2011. S3589 - Mortgage Modification Outreach Act Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act S1508 - Homeownership Affordability Act of 2011 HR2508 - A bill to extend through fiscal year 2013 the increase in the maximum original principal obligation of a mortgage that may be purchased by the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation, and for other purposes. HR4323 - Consumer Mortgage Choice Act Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act HR6153 - Fast Help for Homeowners Act Changes to the Home Affordable Modification Program HR839 - to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Changes to the Truth In Lending Act HR3849 - Preserving Access to Manufactured Housing Act Discussions with the Small Business Administration on the Commercial Refinance Program. Discussions with the Federal Housing Finance Agency (FHFA) on housing finance issues, condominium financing (mortgages), Real Estate Owner (REO) to rental pilot program, REO bulk sales, and using eminent domain to take mortgages. Conversations with the Treasury Department on Government-Sponsored Enterprises (GSE), the Dodd-Frank Act, and banking policy. Discussions with FDIC on QRM Rules, housing finance, covered bonds, short sales (HAMP/HAFA), QCRE, and the Dodd-Frank Act. Discussions with the Consumer Financial Protection Bureau (CFPB) on RESPA/Truth in Lending Act (TILA), Qualified Mortgage (QM) rules, the Dodd-Frank Act, mortgage lending services, and Loan Officer Compensation rules. Discussions with the National Economic Council (NEC) on mortgage refinance proposals. Discussions with the Securities and Exchange Commission (SEC) on lease accounting. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration, QRM rules, and the Dodd-Frank Act. Discussions with the Federal Reserve on Basel III. Conversations with the Appraisal Subcommittee on appraisals, valuation of real property and territory. Conversations with the Office of the Comptroller of the Currency (OCC) regarding Basel III.

Client expense: $9,820,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

Legislation affecting small businesses including H.R. 1723, H.R. 2056, H.R. 3461, S.2364 and small business issues related to access to credit; Pool lift requirements (H.R. 4256).

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 509, the Small Business Lending Enhancement Act of 2011 (all provisions). S. 556, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions). S. 1151, the Personal Data Privacy and Security Act of 2011 (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) S. 1207, the Data Security and Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1408, the Data Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1434, the Data Security Act of 2011, (all provisions, including data security and consumer notice requirements) S. 1535, the Personal Data Protection and Breach Accountability Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1615, the Financial Regulatory Responsibility Act of 2011 (all provisions) S. 1824, the Private Company Flexibility and Growth Act (all provisions) S. 1941, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 2099, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) S. 2160, the Financial Institutions Examination Fairness and Reform Act (all provisions) S. 2223, a bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes (all provisions) S. 2231, the Small Business Lending Enhancement Act of 2012 (all provisions) S. 3204, a bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes (all provisions) H.R. 1070, the Small Company Capital Formation Act of 2011 (all provisions) H.R. 1418, the Small Business Lending Enhancement Act of 2011 (all provisions) H.R. 1539, the Asset-Backed Market Stabilization Act of 2011 (all provisions) H.R. 1573, a bill to facilitate implementation of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption (all provisions) H.R. 1965, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) H.R. 2056, a bill To instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes H.R. 2167, the Private Company Flexibility and Growth Act (all provisions) H.R. 2577, the SAFE Data Act (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements). H.R. 2827, to amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors and for other purposes H.R. 3128, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to adjust the date on which consolidated assets are determined for purposes of exempting certain instruments of smaller institutions from capital deductions (all provisions) H.R. 3283, the Swap Jurisdiction Certainty Act (all provisions) H.R. 3461, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 3606, the Jumpstart Our Business Startups (JOBS) Act (provisions regarding shareholder threshold for SEC registration) H.R. 3871, the Proprietary Information Protection Act of 2012 (all provisions) H.R. 3993, Capital Access for Small Businesses and Jobs Act H.R. 4014, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) H.R. 4088, the Capital Expansion Act (all provisions) H.R. 4235, to amend the Securities Exchange Act of 1934 and the Commodity Exchange Act to repeal the indemnification requirements for regulatory authorities to obtain access to swap data required to be provided by swaps entities under such Acts (all provisions) H.R. 4367, to amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine (all provisions) H.R. 5860, the Executive Compensation Clawback Full Enforcement Act (all provisions) Proposal to implement the Volcker Rule under the Dodd-Frank Act

Client expense: $2,100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation affecting small businesses including H.R. 1723, H.R. 2056, H.R. 3461, S.2364 and small business issues related to access to credit; Pool lift requirements (H.R. 4256).

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Increase in Credit Union Lending Cap S509 - Small Business Lending Enhancement Act of 2011 S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 HR5940 - Preserving American Homeownership Act of 2012 S2080 - Keeping Families in their Home Act of 2012 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act HR3733 - Affordable Mortgages for Homeowners Act of 2011 S3085 - Responsible Homeowners Refinancing Act Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 S967 - Regulation of Mortgage Servicing Act of 2011. Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act S1508 - Homeownership Affordability Act of 2011 HR2508 - A bill to extend through fiscal year 2013 the increase in the maximum original principal obligation of a mortgage that may be purchased by the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation, and for other purposes. HR4323 - Consumer Mortgage Choice Act Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act Changes to the Home Affordable Modification Program HR839 - to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Discussions with the Small Business Administration on the Commercial Refinance Program, 504 Refinance Program. Discussions with the Federal Housing Finance Agency (FHFA) on housing finance issues and the Home Affordable Refinance Program (H.A.R.P.) Conversations with Treasury on Foreclosure Prevention, Government-Sponsored Enterprise (GSE), QRM rules, covered bonds, the Dodd-Frank Act, and banking policy. Discussions with FDIC on QRM Rules, housing finance, covered bonds, and the Dodd-Frank Act. Discussions with the Consumer Financial Protection Bureau (CFPB) on RESPA/Truth in Lending Act (TILA) harmonization, Qualified Mortgage (QM) rules, appraisal independence, housing finance, home warranties, QM/ORM, the Dodd-Frank Act, and mortgage lending services. Discussions with the National Economic Council (NEC) on mortgage cancellation relief and mortgage refinance proposals. Discussions with the White House Office of Public Engagement on mortgage cancellation relief. Discussions with the Securities and Exchange Commission (SEC) on QRM rules and lease accounting. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration, QRM rules, and the Dodd-Frank Act. Discussions with the Federal Reserve on the House White Paper, U.S. banking policy, and Basel II. Conversations with the Office of Management and Budget (OMB) on fair value accounting.

Client expense: $10,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

S. 509, the Small Business Lending Enhancement Act of 2011 (all provisions). S. 556, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions). S. 1151, the Personal Data Privacy and Security Act of 2011 (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) S. 1207, the Data Security and Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1408, the Data Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1434, the Data Security Act of 2011, (all provisions, including data security and consumer notice requirements) S. 1535, the Personal Data Protection and Breach Accountability Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1615, the Financial Regulatory Responsibility Act of 2011 (all provisions) S. 1824, the Private Company Flexibility and Growth Act (all provisions) S. 1941, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 2099, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) S. 2160, the Financial Institutions Examination Fairness and Reform Act (all provisions) S. 2223, a bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes (all provisions) S. 2231, the Small Business Lending Enhancement Act of 2012 (all provisions) S. 3204, a bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes (all provisions) H.R. 1070, the Small Company Capital Formation Act of 2011 (all provisions) H.R. 1418, the Small Business Lending Enhancement Act of 2011 (all provisions) H.R. 1539, the Asset-Backed Market Stabilization Act of 2011 (all provisions) H.R. 1573, a bill to facilitate implementation of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption (all provisions) H.R. 1965, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) H.R. 2056, a bill To instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes H.R. 2167, the Private Company Flexibility and Growth Act (all provisions) H.R. 2577, the SAFE Data Act (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements). H.R. 2827, to amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors and for other purposes H.R. 3128, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to adjust the date on which consolidated assets are determined for purposes of exempting certain instruments of smaller institutions from capital deductions (all provisions) H.R. 3283, the Swap Jurisdiction Certainty Act (all provisions) H.R. 3461, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 3606, the Jumpstart Our Business Startups (JOBS) Act (provisions regarding shareholder threshold for SEC registration) H.R. 3871, the Proprietary Information Protection Act of 2012 (all provisions) H.R. 3993, Capital Access for Small Businesses and Jobs Act H.R. 4014, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) H.R. 4088, the Capital Expansion Act (all provisions) H.R. 4235, to amend the Securities Exchange Act of 1934 and the Commodity Exchange Act to repeal the indemnification requirements for regulatory authorities to obtain access to swap data required to be provided by swaps entities under such Acts (all provisions) H.R. 4367, to amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine (all provisions) H.R. 5860, the Executive Compensation Clawback Full Enforcement Act (all provisions) Proposal to implement the Volcker Rule under the Dodd-Frank Act

Client expense: $2,100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 509, the Small Business Lending Enhancement Act of 2011 (all provisions). S. 556, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions). S. 1151, the Personal Data Privacy and Security Act of 2011 (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) S. 1207, the Data Security and Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1408, the Data Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1434, the Data Security Act of 2011, (all provisions, including data security and consumer notice requirements) S. 1535, the Personal Data Protection and Breach Accountability Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1615, the Financial Regulatory Responsibility Act of 2011 (all provisions) S. 1824, the Private Company Flexibility and Growth Act (all provisions) S. 1941, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 2099, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) S. 2160, the Financial Institutions Examination Fairness and Reform Act (all provisions) S. 2223, a bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes (all provisions) S. 2231, the Small Business Lending Enhancement Act of 2012 (all provisions) S. 3204, a bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes (all provisions) H.R. 1070, the Small Company Capital Formation Act of 2011 (all provisions) H.R. 1418, the Small Business Lending Enhancement Act of 2011 (all provisions) H.R. 1539, the Asset-Backed Market Stabilization Act of 2011 (all provisions) H.R. 1573, a bill to facilitate implementation of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption (all provisions) H.R. 1965, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) H.R. 2056, a bill To instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes H.R. 2167, the Private Company Flexibility and Growth Act (all provisions) H.R. 2577, the SAFE Data Act (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements). H.R. 2827, to amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors and for other purposes H.R. 3128, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to adjust the date on which consolidated assets are determined for purposes of exempting certain instruments of smaller institutions from capital deductions (all provisions) H.R. 3283, the Swap Jurisdiction Certainty Act (all provisions) H.R. 3461, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 3606, the Jumpstart Our Business Startups (JOBS) Act (provisions regarding shareholder threshold for SEC registration) H.R. 3871, the Proprietary Information Protection Act of 2012 (all provisions) H.R. 3993, Capital Access for Small Businesses and Jobs Act H.R. 4014, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) H.R. 4088, the Capital Expansion Act (all provisions) H.R. 4235, to amend the Securities Exchange Act of 1934 and the Commodity Exchange Act to repeal the indemnification requirements for regulatory authorities to obtain access to swap data required to be provided by swaps entities under such Acts (all provisions) H.R. 4367, to amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine (all provisions) H.R. 5860, the Executive Compensation Clawback Full Enforcement Act (all provisions) Proposal to implement the Volcker Rule under the Dodd-Frank Act

Client expense: $2,100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Dodd Frank Act implementation (Section 913, 914, 922, 929Y, 929Z, 982); HR 2146/S 1222 - Data Act of 2011 - provisions dealing with data standards; HR 2483 - Whistleblower Improvement Act of 2011; HR 2827 - provisions dealing with exemption for municiple advisors; S 1483 - Incorporation Transparacy and Law Enforcement Assistance Act - provisions dealing with public disclosure of beneficial owners of private companies; HR 2056 - To instruct the Inspector General of FDIC to study the impact of insured depository institutions failures - regulatory capital provisions

Client expense: $1,030,000 · Firm income: Not reported

Government targets: Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

Dodd Frank Act implemenation (Sections 913, 914, 922, 929Y, 929Z, 982); HR 2146/S 1222- Data Act of 2011 - provisions dealing with data standards; HR 2943 - Short Term TANF Extension Act; HR 3339 - Standard DATA Act - provision dealing with data standards. HR 3213 - Small Company Job Growth Regulatory Relief Act of 2011. HR 2483 - Whistleblower Improvement Avt of 2011. HR 3630 - Middle Class Tax Relief and Job Creation Act of 2011 - provisions dealing with social security data standards. HR 3659 - Welfare Integrity and Data Improvement Act j- provisions dealing with social security data standards. HR 3433 - GRANT Act - website reporting sectionsand single audit sections. HR 2056 - Provisions relating to accounting treatment (c)(2)(c) and section 3(a)(2). S 1962 and HR 2941 - Start-up Expansion and Investment Act. HR 1723 - Common Sense Economic Recovery Act - provisions relating to non-accrual loans. HR 1697 - Communities First Act. HR 1070 - Small Company Capital Formation - provisions on yearly audits. HR 3606 and S 1933 - Jump Start Our Business Startups Act - provisions on audits and accounting standards. S 1866 and HR 3476 - AGREE Act - provisions on audits. HR 3655 - Small Business Access to Capital Act of 2011 - provisions on audits. SA 936 to HR 2354 - provisions on audits. S 1965 - Startup Act of 2011 - GAO study on audit costs. S 1962 - Startup Expansion and Investment Act - provisions on audits. Data Act, HR 2146 - provisions dealing with government conferences. HR 4631 - provisions dealing with government conferences. S 1907/HR 3505 - dealing with PCAOB disciplinary hearings.

Client expense: $1,030,000 · Firm income: Not reported

Government targets: Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

Rein in Significantly Important Financial institution (SIFI) with focused regulation including higher capital and liquidity requirements (House and Senate) Shield community banks from the Dodd-Frank required increase in the deposit insurance fund reserve ratio from 1.15% to 1.35% (House and Senate) Rein in Significantly Important Financial institution (SIFI) with focused regulation including higher capital and liquidity requirements (House and Senate) Shield community banks from the Dodd-Frank required increase in the deposit insurance fund reserve ratio from 1.15% to 1.35% (House and Senate) Consumer Financial Protection - focus on too-big-to-fail banks and financial firms and the shadow financial industry, high standards for consumer compliance required of community banks, accommodation of community banks in serving the needs of their customers, broad definition of covered person, consolidation of RESPA and TILA forms, regulatory compliance and increased regulatory burden, and regulatory relief (House and Senate) Ensure the small debit card issuer exemption in the Dodd-Frank (Durbin Amendment) is working to protect community banks (House and Senate) Downsizing too-big-to-fail banks over a five-years and the regulation of too-big-to-fail banks and financial firms and the shadow financial industry, separation of banking and commerce, expansion of the Volker Rule and restoration of Glass-Steagall Act (House and Senate) Overzealous bank regulatory examinations regulator, senior management, and examiner attitudes and practices, treatment of Commercial Real Estate, excessive write-downs, arbitrary capital requirements, public enforcement actions, reform the appellate process, and community bank closures (House and Senate) Tiered regulation and supervision for community banks (House and Senate) Accounting changes FASB proposed fair value disclosures requiring parenthetical disclosures for all financial instruments carried at amortized cost, PCBOA proposal to expand the scope of the independent accountant during the audit and mandatory auditor rotation, amortizing commercial real estate losses over 10 years for regulatory capital purposes (House and Senate) Secondary mortgage lending reforms curb imprudent lending practices without impacting responsible lenders and loan products designed to meet the diverse needs of community bank customers and their communities (House and Senate) Reform of the housing GSEs - community bank access to a strong, impartial secondary market for residential loans that is financially strong and reliable, privately capitalized cooperative entities with limited mission (House and Senate) Expansion of the Farm Credit System, Rural Community Investments proposal, focus on wholesale funding for community banks and providing correspondent services rather than direct retail competition with community banks (House and Senate) Equitable capital rules which do not disadvantage community banks, higher capital and liquidity requirements for SIFIs, inclusion of accumulated and other comprehensive income in calculation of Tier 1 regulatory capital, and elimination of the 1.25% Allowance for Loan and Lease losses disallowance for regulatory capital purposes) (House and Senate) Overdraft programs uncoordinated regulatory response, address proposed risks with specific banks in the context of the regulatory examination, defer to CFPB (House and Senate) Maintain the Federal Home Loan Bank System and preserve their special functions and purposes (House and Senate) Permanent closing of the ILC loophole (House and Senate) Fairly compensate Fannie and Freddie preferred shareholders by restoring the share value and dividends (House and Senate) H.R. 1697 (and S. 1600) - Communities First Act (Community bank regulatory and tax relief) (all sections) (House and Senate) H.R. 1418 (and S. 509 renumbered in the Senate to S. 2231) - Small Business Lending Enhancement Act of 2011 (Expansion of credit unions member business lending powers) (all sections) (House and Senate) H.R. 3993 Capital Access for Small Business and Jobs Act (Credit union access to outside capital) (all sections) (House and Senate) H.R. 3461 (and 2160) Financial institutions Examination Fairness Act (To improve the examination of depository institutions) (all sections) (House and Senate) Five-year extension of the Transaction Account Guarantee (TAG) program (House and Senate) Comment Letter to the Financial Crimes Enforcement Network (Docket No. FINCEN- 1012-0001 - RIN 1506-AB15) regarding customer dur diligence requirements for community banks (Treasury/FinCEN) Informal comment letter to FDIC regarding community bank regulatory burden, tiered regulation, Transaction Account Guarantee (TAG) program extension, and unfair competition by too-big-to-fail banks and financial firms, credit unions and Farm Credit lenders (FDIC) H.R. 4367 (and S. 2029) ATM fee disclosure legislation to eliminate the duplicative disclosure notices on the exterior of ATM machines (House) Comment Letter to the Securities and Exchange Commission regarding Title VI of the Jumpstart Our Business Startups Act (JOBS Act) regarding deregistration thresholds for thrifts (SEC) Various amendments to the 2012 Farm Bill including: #2156 private sector delivery of crop insurance, #2201 and #2186 limit availability of crop insurance, #2219 conservation compliance with crop insurance, and #2268 USDA guaranteed lending programs (Senate) Comment Letter to the CFPB (Docket No. CFPB-2012-0007) regarding overdrafts and the impact of overdrafts on consumers (Treasury/CFPB) Informed the FDIC-IG (pursuant to their requirements under H.R. 2056) on the causes of bank failures, loss share agreements, and the community impact of bank failures (FDIC/IG)

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Rein in Significantly Important Financial institution (SIFI) with focused regulation including higher capital and liquidity requirements (House and Senate) Shield community banks from the Dodd-Frank required increase in the deposit insurance fund reserve ratio from 1.15% to 1.35% (House and Senate) Rein in Significantly Important Financial institution (SIFI) with focused regulation including higher capital and liquidity requirements (House and Senate) Shield community banks from the Dodd-Frank required increase in the deposit insurance fund reserve ratio from 1.15% to 1.35% (House and Senate) Consumer Financial Protection - focus on too-big-to-fail banks and financial firms and the shadow financial industry, high standards for consumer compliance required of community banks, accommodation of community banks in serving the needs of their customers, broad definition of covered person, consolidation of RESPA and TILA forms, regulatory compliance and increased regulatory burden, and regulatory relief (House and Senate) Ensure the small debit card issuer exemption in the Dodd-Frank (Durbin Amendment) is working to protect community banks (House and Senate) Downsizing too-big-to-fail banks over a five-years and the regulation of too-big-to-fail banks and financial firms and the shadow financial industry, separation of banking and commerce, expansion of the Volker Rule and restoration of Glass-Steagall Act (House and Senate) Overzealous bank regulatory examinations regulator, senior management, and examiner attitudes and practices, treatment of Commercial Real Estate, excessive write-downs, arbitrary capital requirements, public enforcement actions, reform the appellate process, and community bank closures (House and Senate) Tiered regulation and supervision for community banks (House and Senate) Accounting changes FASB proposed fair value disclosures requiring parenthetical disclosures for all financial instruments carried at amortized cost, PCBOA proposal to expand the scope of the independent accountant during the audit and mandatory auditor rotation, amortizing commercial real estate losses over 10 years for regulatory capital purposes (House and Senate) Secondary mortgage lending reforms curb imprudent lending practices without impacting responsible lenders and loan products designed to meet the diverse needs of community bank customers and their communities (House and Senate) Reform of the housing GSEs - community bank access to a strong, impartial secondary market for residential loans that is financially strong and reliable, privately capitalized cooperative entities with limited mission (House and Senate) Expansion of the Farm Credit System, Rural Community Investments proposal, focus on wholesale funding for community banks and providing correspondent services rather than direct retail competition with community banks (House and Senate) Equitable capital rules which do not disadvantage community banks, higher capital and liquidity requirements for SIFIs, inclusion of accumulated and other comprehensive income in calculation of Tier 1 regulatory capital, and elimination of the 1.25% Allowance for Loan and Lease losses disallowance for regulatory capital purposes) (House and Senate) Overdraft programs uncoordinated regulatory response, address proposed risks with specific banks in the context of the regulatory examination, defer to CFPB (House and Senate) Maintain the Federal Home Loan Bank System and preserve their special functions and purposes (House and Senate) Permanent closing of the ILC loophole (House and Senate) Fairly compensate Fannie and Freddie preferred shareholders by restoring the share value and dividends (House and Senate) H.R. 1697 (and S. 1600) - Communities First Act (Community bank regulatory and tax relief) (all sections) (House and Senate) H.R. 1418 (and S. 509 renumbered in the Senate to S. 2231) - Small Business Lending Enhancement Act of 2011 (Expansion of credit unions member business lending powers) (all sections) (House and Senate) H.R. 3993 Capital Access for Small Business and Jobs Act (Credit union access to outside capital) (all sections) (House and Senate) H.R. 3461 (and 2160) Financial institutions Examination Fairness Act (To improve the examination of depository institutions) (all sections) (House and Senate) Five-year extension of the Transaction Account Guarantee (TAG) program (House and Senate) Comment Letter to the Financial Crimes Enforcement Network (Docket No. FINCEN- 1012-0001 - RIN 1506-AB15) regarding customer dur diligence requirements for community banks (Treasury/FinCEN) Informal comment letter to FDIC regarding community bank regulatory burden, tiered regulation, Transaction Account Guarantee (TAG) program extension, and unfair competition by too-big-to-fail banks and financial firms, credit unions and Farm Credit lenders (FDIC) H.R. 4367 (and S. 2029) ATM fee disclosure legislation to eliminate the duplicative disclosure notices on the exterior of ATM machines (House) Comment Letter to the Securities and Exchange Commission regarding Title VI of the Jumpstart Our Business Startups Act (JOBS Act) regarding deregistration thresholds for thrifts (SEC) Various amendments to the 2012 Farm Bill including: #2156 private sector delivery of crop insurance, #2201 and #2186 limit availability of crop insurance, #2219 conservation compliance with crop insurance, and #2268 USDA guaranteed lending programs (Senate) Comment Letter to the CFPB (Docket No. CFPB-2012-0007) regarding overdrafts and the impact of overdrafts on consumers (Treasury/CFPB) Informed the FDIC-IG (pursuant to their requirements under H.R. 2056) on the causes of bank failures, loss share agreements, and the community impact of bank failures (FDIC/IG)

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Legislation: Regulatory environment affecting banks, including community banks; Debit Card Interchange Fee legislation (S.575, H.R.1081, H.R.3156); GSE legislation (H.R.1182, H.R.31, H.R.1221, H.R.1222,H.R.1223, H.R.1224, H.R.1225, H.R.1226, H.R.1227, H.R.2436, H.R.2441, H.R.2440, H.R.2462, H.R.463, H.R.2439); Mortgage Foreclosure Relief legislation (H.R.830, H.R.836, H.R.839, H.R.861) ; (Continued on next page) Legislation (cont'd.): Credit Union business lending (S.509, H.R.1418, S.2231); Internet Gambling Regulation (H.R.1174); Consumer Financial Protection Bureau Governance (H.R.1121, H.R.1315). Small Business Lending (S.493), Bankruptcy Legislation (S.222), National Flood Insurance Reform (H.R.1309, H.R.5740), Business Activity Tax Simplification Act (H.R. 1439), Executive Compensation (H.R. 1062), Covered Bonds (H.R.940), Patent Reform (H.R.1249), CFPB Appropriations Legislation. Information Security/Privacy (H.R.2577, H.R.3035, S.1151, S.1408, S.1434, S.1535), Deficit Reduction, American Jobs Act, Appropriation Legislation, Patent Office Reform (H.R.1249). Fannie Mae/Freddie Mac/FHA Fees (H.R. 3765); Flood Insurance Reform & Extension (H.R.2608, HJ Res. 94, HJ Res. 95, H.R.2055, H.R.3671, S.1958); Bank & Corporate Governance (H.R. 1965, S.556, S.1941,H.R.2940, H.R.2930); SEC Registration Threshold (H.R.2167, HR.1070); Sarbanes-Oxley Auditor Requirements (H.R.3213); Restoration of Fannie Mae/Freddie Mac/FHA Higher Loan Limits (Amendment to Ag Appropriations bill); Bank Examination Fairness (H.R.3461,S.2160); Bank Failure Study Legislation (H.R.2056); Federal Tax on Larger Financial Institutions; Credit Union Capital (H.R.3993); Amendment on non-resident alien interest reporting; The JOBS Act - H.R.3606; Municipal Advisor Exemption - H.R.2827; CFPB Confidential Information Protection - H.R.4014; ATM Signage (H.R.4367, S.3204); Transportation; Treasury; Student Loan Appropriations (H.R.4348); Heightened Regulatory Capital Requirements, including the Collins amendment (H.R.3128). Regulation: Fed. Reg. B (Equal Credit Opportunity) Rules, Fed and FDIC Orderly Resolution Regulations for Systemically Significant Companies, Fin CEN Bank Secrecy Act reporting requirements, General Obligation Bonds, Thrift institution regulation and reporting transfer to OCC and Fed, FASB Auditor Independence Rules, OCC Guidance on Deposit-Related Consumer Credit Products, Fed, FDIC and OCC Retail Foreign Exchange Rules, Regulation Q, Fed and FTC Credit Score Disclosure Rules, OCC Foreclosure Guidance. FDIC Assessment, Base & Rate Regulation; Registration of Mortgage Loan Originators; Federal Reserve Regulation II - debit card interchange fee regulation; SEC registration of municipal advisor regulation; FDIC Interest on Lawyer Account deposit insurance coverage regulation; FASB Mark to Market Accounting; shareholder executive compensation rules; FASB lease accounting rules; FASB impairment of financial asset rules; mortgage disclosure regulation; regulatory burden relief; federal garnishment rules; Federal Home Loan Bank system membership; Credit Card Act implementation; Regulation Z (Truth-in-Lending) amendments; Payment Settlement Entity Reporting; Interest on Non-Resident Alien Account Reporting; Credit Risk Retention Regulation. FDIC and OCC Overdraft and Bank Product Guidance, Repeal of Reg. Q, FHFA Rules on purchase of housing cooperative loans, IRS Guidance on Trust Commissions, Fed Savings and Loan Holding Company Regulation, Fed Remittance Transfer Proposal, National bank preemption, Risk-based capital requirements, CFPB Regulations. Home Mortgage Disclosure Act Reporting of Assignments in lieu of Mortgage Discharge (Reg C); Restrictions on Bank Proprietary Trading (Volcker Rule); Acquisitions of non-systemically significant financial institutions; Flood Insurance Guidance; Treasury Home Affordable Refinance Program; Examiner Treatment of New York State and Local Government Securities; CFPB Credit Card Disclosures; CFPB Deposit Account Disclosures; CFPB Mortgage Disclosures; Enhanced Regulation of large bank holding companies and non-bank firms. Patent and Trademark Reform Regulatory Implementation; Regulations Implementing the Dodd-Frank Act; Stress Test Regulations; Allowance for Loan and Lease Losses (ALLL); Servicing and Foreclosure Guidance and Regulations; Home Loan Bank Member Supervision; CFPB Streamlined Regulations Project; CFPB Regulations on Privileged Information; Qualified Mortgage Safe Harbor; Extension of the TAG Program; Regulations implementing higher capital standards including the market risk capital final rule and 3 proposed rules under Basel III.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

Increase in Credit Union Lending Cap S509 - Small Business Lending Enhancement Act of 2011 S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act S1508 - Homeownership Affordability Act of 2011 HR2508 - A bill to extend through fiscal year 2013 the increase in the maximum original principal obligation of a mortgage that may be purchased by the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation, and for other purposes. HR4323 - Consumer Mortgage Choice Act Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act Changes to the Home Affordable Modification Program HR839 - to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Discussions with the Small Business Administration on the Commercial Refinance Program. Discussions with the Federal Housing Finance Agency (FHFA) on housing finance issues. Conversations with Treasury on Foreclosure Prevention, Government-Sponsored Enterprise (GSE), and QRM rules. Discussions with FDIC on QRM Rules, housing finance, and covered bonds. Discussions with the Consumer Financial Protection Bureau (CFPB) on RESPA/Truth in Lending Act (TILA) harmonization, Qualified Mortgage (QM) rules, appraisal independence, housing finance, home warranties, and QM/ORM. Discussions with the National Economic Council (NEC) on mortgage cancellation relief. Discussions with the White House Office of Public Engagement on mortgage cancellation relief. Discussions with the Securities and Exchange Commission (SEC) on QRM rules. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration and QRM rules. Discussions with the Federal Reserve on the House White Paper and U.S. banking policy. Conversations with the Office of Management and Budget (OMB) on fair value accounting.

Client expense: $6,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

Increase in Credit Union Lending Cap S509 - Small Business Lending Enhancement Act of 2011 S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act S1508 - Homeownership Affordability Act of 2011 HR2508 - A bill to extend through fiscal year 2013 the increase in the maximum original principal obligation of a mortgage that may be purchased by the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation, and for other purposes. HR4323 - Consumer Mortgage Choice Act Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act Changes to the Home Affordable Modification Program HR839 - to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Discussions with the Small Business Administration on the Commercial Refinance Program. Discussions with the Federal Housing Finance Agency (FHFA) on housing finance issues. Conversations with Treasury on Foreclosure Prevention, Government-Sponsored Enterprise (GSE), and QRM rules. Discussions with FDIC on QRM Rules, housing finance, and covered bonds. Discussions with the Consumer Financial Protection Bureau (CFPB) on RESPA/Truth in Lending Act (TILA) harmonization, Qualified Mortgage (QM) rules, appraisal independence, housing finance, home warranties, and QM/ORM. Discussions with the National Economic Council (NEC) on mortgage cancellation relief. Discussions with the White House Office of Public Engagement on mortgage cancellation relief. Discussions with the Securities and Exchange Commission (SEC) on QRM rules. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration and QRM rules. Discussions with the Federal Reserve on the House White Paper and U.S. banking policy. Conversations with the Office of Management and Budget (OMB) on fair value accounting.

Client expense: $6,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

S. 509, the Small Business Lending Enhancement Act of 2011 (all provisions) S. 556, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 1151, the Personal Data Privacy and Security Act of 2011 (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) S. 1207, the Data Security and Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1408, the Data Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1418, Emergency Management Assistance Compact Act of 2011 S. 1434, the Data Security Act of 2011, (all provisions, including data security and consumer notice requirements) S. 1535, the Personal Data Protection and Breach Accountability Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1615, the Financial Regulatory Responsibility Act of 2011 (all provisions) S. 1824, the Private Company Flexibility and Growth Act (all provisions) S. 1941, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 2099, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) S. 2160, the Financial Institutions Examination Fairness and Reform Act (all provisions) S. 2223, a bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes (all provisions) S. 2231, the Small Business Lending Enhancement Act of 2012 (all provisions) H.R. 87, to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (all provisions) H.R. 940, the United States Covered Bond Act of 2011 (all provisions) H.R. 1062, the Burdensome Data Collection Relief Act (all provisions) H.R. 1070, the Small Company Capital Formation Act of 2011 (all provisions) H.R. 1151, the Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 (all provisions) H.R. 1418, the Small Business Lending Enhancement Act of 2011 (all provisions) H.R. 1539, the Asset-Backed Market Stabilization Act of 2011 (all provisions) H.R. 1573, a bill to facilitate implementation of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption (all provisions) H.R. 1965, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) H.R. 2056, a bill To instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes H.R. 2167, the Private Company Flexibility and Growth Act (all provisions) H.R. 2577, the SAFE Data Act (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) H.R. 3283, the Swap Jurisdiction Certainty Act (all provisions) H.R. 3461, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 3606, the Jumpstart Our Business Startups (JOBS) Act (provisions regarding shareholder threshold for SEC registration) H.R. 3871, the Proprietary Information Protection Act of 2012 (all provisions) H.R. 3993, Capital Access for Small Businesses and Jobs Act H.R. 4014, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) H.R. 4088, the Capital Expansion Act (all provisions) H.R. 4235, to amend the Securities Exchange Act of 1934 and the Commodity Exchange Act to repeal the indemnification requirements for regulatory authorities to obtain access to swap data required to be provided by swaps entities under such Acts (all provisions) Proposal to implement the Volcker Rule under the Dodd-Frank Act

Client expense: $2,500,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

Dodd Frank Act implemenation (Sections 913, 914, 922, 929Y, 929Z, 982); HR 2146/S 1222- Data Act of 2011 - provisions dealing with data standards; HR 2943 - Short Term TANF Extension Act; HR 3339 - Standard DATA Act - provision dealing with data standards. HR 3213 - Small Company Job Growth Regulatory Relief Act of 2011. HR 2483 - Whistleblower Improvement Avt of 2011. HR 3630 - Middle Class Tax Relief and Job Creation Act of 2011 - provisions dealing with social security data standards. HR 3659 - Welfare Integrity and Data Improvement Act j- provisions dealing with social security data standards. HR 3433 - GRANT Act - website reporting sectionsand single audit sections. HR 2483 - Whistleblower Improviement Act of 2011. HR 2056 - Provisions relating to accounting treatment (c)(2)(c) and section 3(a)(2). S 1962 and HR 2941 - Start-up Expansion and Investment Act. HR 1723 - Common Sense Economic Recovery Act - provisions relating to non-accrual loans. HR 1697 - Communities First Act. HR 1070 - Small Company Capital Formation - provisions on yearly audits. HR 3606 and S 1933 - Jump Start Our Business Startups Act - provisions on audits and accounting standards. S 1866 and HR 3476 - AGREE Act - provisions on audits. HR 3655 - Small Business Access to Capital Act of 2011 - provisions on audits. SA 936 to HR 2354 - provisions on audits. S 1965 - Startup Act of 2011 - GAO study on audit costs. S 1962 - Startup Expansion and Investment Act - provisions on audits

Client expense: $980,000 · Firm income: Not reported

Government targets: Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

Monitor Dodd Frank Act implementation. H.R. 2056 To Instruct the Inspector General of the FDIC to Study the Impact of Depository Institution Failures- regulatory capital provisions.

Client expense: Not reported · Firm income: $80,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 31- "Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1221 - "Equity in Government Compensation Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1222 - "GSE Subsidy Elimination Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1223 - "GSE Credit Risk Equitable Treatment Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1224 - "GSE Portfolio Risk Reduction Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1225 - "GSE Debt Issuance Approval Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1226 - "GSE Mission Improvement Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1227 - "GSE Risk and Activities Limitation Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 2056 - To instruct the Inspector General of the FDIC to study the impact of insured depository institution failures - entire bill relating to loss-sharing agreements (LSAs); S. 1737 - " Sensible Accounting to Value Energy Act of 2011" - The SAVE Act - proposals to include energy costs in mortgage underwriting and home appraisals; H.R. 2086 and S. 2149 - Medical Debt Responsibility Act - entire bill relating to credit reporting of paid medical debts; Tax and budget proposals relating to the home mortgage interest deduction; Housing finance oversight, including issues related to federal funds used by interest groups.

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2056 - To instruct the Inspector General of the FDIC to study the impact of insured depository institution failures - entire bill relating to loss-sharing agreements (LSAs); Housing finance oversight, including issues related to federal funds used by interest groups.

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 31- "Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1221 - "Equity in Government Compensation Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1222 - "GSE Subsidy Elimination Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1223 - "GSE Credit Risk Equitable Treatment Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1224 - "GSE Portfolio Risk Reduction Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1225 - "GSE Debt Issuance Approval Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1226 - "GSE Mission Improvement Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1227 - "GSE Risk and Activities Limitation Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 2056 - To instruct the Inspector General of the FDIC to study the impact of insured depository institution failures - entire bill relating to loss-sharing agreements (LSAs); S. 1737 - " Sensible Accounting to Value Energy Act of 2011" - The SAVE Act - proposals to include energy costs in mortgage underwriting and home appraisals; H.R. 2086 and S. 2149 - Medical Debt Responsibility Act - entire bill relating to credit reporting of paid medical debts; Tax and budget proposals relating to the home mortgage interest deduction; Housing finance oversight, including issues related to federal funds used by interest groups.

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 31- "Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1221 - "Equity in Government Compensation Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1222 - "GSE Subsidy Elimination Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1223 - "GSE Credit Risk Equitable Treatment Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1224 - "GSE Portfolio Risk Reduction Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1225 - "GSE Debt Issuance Approval Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1226 - "GSE Mission Improvement Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1227 - "GSE Risk and Activities Limitation Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 2056 - To instruct the Inspector General of the FDIC to study the impact of insured depository institution failures - entire bill relating to loss-sharing agreements (LSAs); S. 1737 - " Sensible Accounting to Value Energy Act of 2011" - The SAVE Act - proposals to include energy costs in mortgage underwriting and home appraisals; H.R. 2086 and S. 2149 - Medical Debt Responsibility Act - entire bill relating to credit reporting of paid medical debts; Tax and budget proposals relating to the home mortgage interest deduction; Housing finance oversight, including issues related to federal funds used by interest groups.

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation affecting small businesses including H.R. 1723, H.R. 2056, H.R. 3461 and small business issues related to access to credit.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES

Legislation: Regulatory environment affecting banks, including community banks; Debit Card Interchange Fee legislation (S.575, H.R.1081, H.R.3156); GSE legislation (H.R.1182, H.R.31, H.R.1221, H.R.1222,H.R.1223, H.R.1224, H.R.1225, H.R.1226, H.R.1227, H.R.2436, H.R.2441, H.R.2440, H.R.2462, H.R.463, H.R.2439); Mortgage Foreclosure Relief legislation (H.R.830, H.R.836, H.R.839, H.R.861) ; (Continued on next page) Legislation (cont'd.): Credit Union business lending (S.509, H.R.1418, S.2231); Internet Gambling Regulation (H.R.1174); Consumer Financial Protection Bureau Governance (H.R.1121, H.R.1315). Small Business Lending (S.493), Bankruptcy Legislation (S.222), National Flood Insurance Reform (H.R.1309), Business Activity Tax Simplification Act (H.R. 1439), Executive Compensation (H.R. 1062), Covered Bonds (H.R.940), Patent Reform (H.R.1249), CFPB Appropriations Legislation. Information Security/Privacy (H.R.2577, H.R.3035, S.1151, S.1408, S.1434, S.1535), Deficit Reduction, American Jobs Act, Appropriation Legislation, Patent Office Reform (H.R.1249). Fannie Mae/Freddie Mac/FHA Fees (H.R. 3765); Flood Insurance Reform & Extension (H.R.2608, HJ Res. 94, HJ Res. 95, H.R.2055, H.R.3671, S.1958); Bank & Corporate Governance (H.R. 1965, S.556, S.1941,H.R.2940, H.R.2930); SEC Registration Threshold (H.R.2167, HR.1070); Sarbanes-Oxley Auditor Requirements (H.R.3213); Restoration of Fannie Mae/Freddie Mac/FHA Higher Loan Limits (Amendment to Ag Appropriations bill); Bank Examination Fairness (H.R.3461,S.2160); Bank Failure Study Legislation (H.R.2056); Federal Tax on Larger Financial Institutions; Credit Union Capital (H.R.3993); Amendment on non-resident alien interest reporting; The JOBS Act - H.R.3606; Municipal Advisor Exemption - H.R.2827; CFPB Confidential Information Protection - H.R.4014. Regulation: Fed. Reg. B (Equal Credit Opportunity) Rules, Fed and FDIC Orderly Resolution Regulations for Systemically Significant Companies, Fin CEN Bank Secrecy Act reporting requirements, General Obligation Bonds, Thrift institution regulation and reporting transfer to OCC and Fed, FASB Auditor Independence Rules, OCC Guidance on Deposit-Related Consumer Credit Products, Fed, FDIC and OCC Retail Foreign Exchange Rules, Regulation Q, Fed and FTC Credit Score Disclosure Rules, OCC Foreclosure Guidance. FDIC Assessment, Base & Rate Regulation; Registration of Mortgage Loan Originators; Federal Reserve Regulation II - debit card interchange fee regulation; SEC registration of municipal advisor regulation; FDIC Interest on Lawyer Account deposit insurance coverage regulation; FASB Mark to Market Accounting; shareholder executive compensation rules; FASB lease accounting rules; FASB impairment of financial asset rules; mortgage disclosure regulation; regulatory burden relief; federal garnishment rules; Federal Home Loan Bank system membership; Credit Card Act implementation; Regulation Z (Truth-in-Lending) amendments; Payment Settlement Entity Reporting; Interest on Non-Resident Alien Account Reporting; Credit Risk Retention Regulation. FDIC and OCC Overdraft and Bank Product Guidance, Repeal of Reg. Q, FHFA Rules on purchase of housing cooperative loans, IRS Guidance on Trust Commissions, Fed Savings and Loan Holding Company Regulation, Fed Remittance Transfer Proposal, National bank preemption, Risk-based capital requirements, CFPB Regulations. Home Mortgage Disclosure Act Reporting of Assignments in lieu of Mortgage Discharge (Reg C); Restrictions on Bank Proprietary Trading (Volcker Rule); Acquisitions of non-systemically significant financial institutions; Flood Insurance Guidance; Treasury Home Affordable Refinance Program; Examiner Treatment of New York State and Local Government Securities; CFPB Credit Card Disclosures; CFPB Deposit Account Disclosures; CFPB Mortgage Disclosures; Enhanced Regulation of large bank holding companies and non-bank firms. Patent and Trademark Reform Regulatory Implementation; Regulations Implementing the Dodd-Frank Act; Stress Test Regulations; Allowance for Loan and Lease Losses (ALLL); Servicing and Foreclosure Guidance and Regulations; Home Loan Bank Member Supervision; CFPB Streamlined Regulations Project; CFPB Regulations on Privileged Information.

Client expense: $70,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

HR 940 United States Covered Bonds Act of 2011 HR 1081 Consumers Payment Systems Protection Act - Debit Interchange HR 1309 Flood Insurance Reform Act HR 1315 The Consumer Financial Protection Safety and Soundness Improvement Act HR 1356 Capital Access for Main Street Act of 2011 HR 1401 Democratizing the Federal Reserve System Act of 2011 HR 1418 Small Business Lending Enhancement Act of 2011 HR 1667 Bureau of Consumer Financial Protection Transfer Clarification Act HR 1697 Communities First Act HR 1723 Common Sense Economic Recovery Act HR 1909 FFSCC Charter Act of 2011 HR 1965 SEC Shareholder Registration Act HR 2056 FDIC Inspector Study Act HR 2167 The Private Company Flexibility and Growth Act HR 3213 The Small Company Jobs Growth and Regulatory Relief Act HR 3461 Financial Instititions Examination Fairness and Reform Act HR 3630 Middleclass Tax Relief and Job Creation Act S 509 Small Business Lending Enhancement Act Credit Union MBL Expansion S 556 Shareholder Threshold S 1151 Personal Data Privacy and Security Act S 1408 Data Breach Notification Act S 1548 National Flood Insurance Program Extension Act S 1600 Communities First Act S 1835 United States Covered Bond Act S 1867 National Defense Authorization Act for FY 2012 S 1941 Shareholder Threshold Bank Examinations Capital Requirements/Regulations/Basel III rules Confirmation of Messrs. Gruenberg and Hoenig to the FDIC Board Confirmation of Thomas Curry as Comptroller of the Currency Consumer Financial Protection Bureau Consumer Protection for Financial Products and Services Credit Card/ Debit Card Interchange Fees Credit Union Business Lending Powers Credit Union Tax Exemption Derviatives Regulation--Implementation of Title VII of Dodd-Frank Wall Street Reform Act Farm Credit System Access to FHA Mortgage Insurance Programs Fair Lending Enforcement Federal Home Loan Banks Federal Reserve Interchange Regulations FHA Loan Programs Financial Regulatory Reform Housing Finance Reform Housing Government Sponsored Enterprises Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act MF Global Bankruptcy Mortgage Lending Disclosures (RESPA/TILA) Mortgage Lending Reform Mortgage Servicing Compensation National Flood Insurance Program Reauthorization Overdraft Protection Guidelines Qualified Residential Mortgages/Risk Retention Regulation Z Establishment of ESCROW - Higher Priced Loans Regulatory and Tax Relief for Community Banks Relief for Preferred Shareholder of Government Sponsored Enterprises Sarbanes Oxley Internal Control Attestation SEC Shareholder Registration Threshold for Community Banks Small Business Lending Fund Implementation Systemic Risk, Too-Big-To-Fail Regulation and Resolution Authority

Client expense: $1,160,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Office of the Comptroller of the Currency (OCC), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Section 929Z of the Dodd-Frank Wall Street Reform and Consumer Protection Act (GAO liability study); Section 922 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (SEC Whistleblower Provision); Section 929Y of the Dodd-Frank Wall Street Reform and Consumer Protection Act (F-cubed study); Section 989G of the Dodd-Frank Wall Street Reform and Consumer Protection Act (404(b) study); Section 102 of H.R.1697 - Communities First Act (Community bank exemption from annual management assessment of internal controls requirement of the Sarbanes-Oxley Act of 2002); Section 104 of H.R.1697 - Communities First Act (Accounting principles shall reflect business models); Section 105 of H.R.1697 - Communities First Act (Accounting principles cost-benefit requirements); Section 205 of H.R.1697 - Communities First Act (Loan amortization); H.R. 1070 - Small Company Capital Formation Act of 2011, general issues regarding audit standards; H.R. 2056 - To instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes; H.R. 3213 - Small Company Job Growth and Regulatory Relief Act, issues regarding Section 404(b) exemption; PCAOB Concept on Auditor Independence and Audit Firm Rotation; H.R. 3606 - Reopening American Capital Markets to Emerging Growth Companies Act of 2011, issues regarding Section 404(b) applicability; S. 1933 - Reopening American Capital Markets to Emerging Growth Companies Act of 2011, issues regarding Section 404(b) applicability; H.R. 2941 - Startup Expansion and Investment Act, issues regarding Sections 404(a) and (b) opt out; S. 1962 - Startup Expansion and Investment Act, issues regarding Sections 404(a) and (b) opt out; H.R. 3476 - American Growth, Recovery, Empowerment, and Entrepreneurship (AGREE) Act, issues regarding Section 401; S. 1866 - American Growth, Recovery, Empowerment, and Entrepreneurship (AGREE) Act, issues regarding Section 401; S. Amdt. 936 - Amendment to American Infrastructure Investment Fund Act of 2011, issues regarding SEC funding; H.R. 3505 - To amend the Sarbanes-Oxley Act of 2002 to make Public Company Accounting Oversight Board disciplinary proceedings open to the public, issues regarding PCAOB disciplinary proceedings; S. 1907 - PCAOB Enforcement Transparency Act of 2011, issues regarding PCAOB disciplinary proceedings

Client expense: $800,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

Increase in Credit Union Lending Cap S509 - Small Business Lending Enhancement Act of 2011 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act S1508 - Homeownership Affordability Act of 2011 HR2508 - A bill to extend through fiscal year 2013 the increase in the maximum original principal obligation of a mortgage that may be purchased by the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation, and for other purposes. Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 Changes to Capital Requirements for Performing Loans HR1723 - Common Sense Economic Recovery Act of 2011 Changes to the Home Affordable Modification Program HR839 - to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; Termination of the Neighborhood Stabilization Program HR861 - to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Changes to the Real Estate Settlement Procedures Act (RESPA) HR2446 - RESPA Home Warranty Clarification Act of 2011 Discussions with the Consumer Financial Protection Bureau (CFPB) on RESPA/Truth in Lending Act (TILA) harmonization, Qualified Mortgage (QM) rules, appraisal issues, and appraisal management companies. Discussions with the Small Business Administration on lending, Qualified Residential Mortgage (QRM) rules, QM Rules and the Commercial Refinance Program. Conversations with Treasury on Foreclosure Prevention, Money Laundering Rules, Credit Policy, QRM rules, Government-Sponsored Enterprise (GSE) restructuring, Real Estate-Owned Property Disposition, Short Sales, the Small Business Lending Fund, Commercial Workouts/Term-Extensions, and Qualified Commercial Real Estate Loan (QCRE) Rules (The latter held additionally with the Office of the Comptroller of the Currency (OCC)). Discussions with the Securities and Exchange Commission (SEC) on lease accounting rules and QCRE rules. Discussions with FDIC on QRM Rules, Commercial Workouts/Term-Extensions, and QCRE Rules. Discussions with the Department of Housing and Urban Development (HUD) on QCRE Rules, QRM Rules, and the Federal Housing Administration Discussions with the Federal Housing Finance Agency (FHFA) on QCRE rules, foreclosure prevention, and credit policy. Discussions with the Department of Veterans Affairs (VA) on Uniform Appraisal Datasets (UADs) and guaranty fees. Discussions with the National Economic Council (NEC) on GSE/FHA Conforming Loan Limits Discussions with the White House Office of Public Engagement on GSE/FHA Conforming Loan Limits

Client expense: $6,100,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Congressional Budget Office (CBO), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

Section 929Z of the Dodd-Frank Wall Street Reform and Consumer Protection Act (GAO liability study); Section 922 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (SEC Whistleblower Provision); Section 929Y of the Dodd-Frank Wall Street Reform and Consumer Protection Act (F-cubed study); Section 989G of the Dodd-Frank Wall Street Reform and Consumer Protection Act (404(b) study); Section 102 of H.R.1697 - Communities First Act (Community bank exemption from annual management assessment of internal controls requirement of the Sarbanes-Oxley Act of 2002); Section 104 of H.R.1697 - Communities First Act (Accounting principles shall reflect business models); Section 105 of H.R.1697 - Communities First Act (Accounting principles cost-benefit requirements); Section 205 of H.R.1697 - Communities First Act (Loan amortization); H.R. 1070 - Small Company Capital Formation Act of 2011, general issues regarding audit standards; H.R. 2056 - To instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes; H.R. 3213 - Small Company Job Growth and Regulatory Relief Act, issues regarding Section 404(b) exemption; PCAOB Concept on Auditor Independence and Audit Firm Rotation; H.R. 3606 - Reopening American Capital Markets to Emerging Growth Companies Act of 2011, issues regarding Section 404(b) applicability; S. 1933 - Reopening American Capital Markets to Emerging Growth Companies Act of 2011, issues regarding Section 404(b) applicability; H.R. 2941 - Startup Expansion and Investment Act, issues regarding Sections 404(a) and (b) opt out; S. 1962 - Startup Expansion and Investment Act, issues regarding Sections 404(a) and (b) opt out; H.R. 3476 - American Growth, Recovery, Empowerment, and Entrepreneurship (AGREE) Act, issues regarding Section 401; S. 1866 - American Growth, Recovery, Empowerment, and Entrepreneurship (AGREE) Act, issues regarding Section 401; S. Amdt. 936 - Amendment to American Infrastructure Investment Fund Act of 2011, issues regarding SEC funding; H.R. 3505 - To amend the Sarbanes-Oxley Act of 2002 to make Public Company Accounting Oversight Board disciplinary proceedings open to the public, issues regarding PCAOB disciplinary proceedings; S. 1907 - PCAOB Enforcement Transparency Act of 2011, issues regarding PCAOB disciplinary proceedings

Client expense: $650,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

Monitor Dodd Frank Act implementation. H.R. 2056 To Instruct the Inspector General of the FDIC to Study the Impact of Depository Institution Failures- regulatory capital provisions

Client expense: Not reported · Firm income: $80,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 509, the Small Business Lending Enhancement Act of 2011 (all provisions) S. 556, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions). S. 1151, the Personal Data Privacy and Security Act of 2011 (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) S. 1207, the Data Security and Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1408, the Data Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1434, the Data Security Act of 2011, (all provisions, including data security and consumer notice requirements) S. 1535, the Personal Data Protection and Breach Accountability Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1615, the Financial Regulatory Responsibility Act of 2011 (all provisions) S. 1824, the Private Company Flexibility and Growth Act (all provisions) S. 1941, A bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) H.R. 87, to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (all provisions) H.R. 940, the United States Covered Bond Act of 2011 (all provisions) H.R. 1062, the Burdensome Data Collection Relief Act (all provisions) H.R. 1070, the Small Company Capital Formation Act of 2011 (all provisions) H.R. 1151, the Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 (all provisions) H.R. 1418, the Small Business Lending Enhancement Act of 2011 (all provisions) H.R. 1539, the Asset-Backed Market Stabilization Act of 2011 (all provisions) H.R. 1573, a bill to facilitate implementation of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption (all provisions) H.R. 1965, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) H.R. 2056, a bill To instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes H.R. 2167, the Private Company Flexibility and Growth Act (all provisions) H.R. 2577, the SAFE Data Act (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) H.R. 3461, the Financial Institutions Examination Fairness and Reform Act (all provisions) Proposed bank tax levy on financial institutions with more than $50 billion in assets. Proposed repeals and clarification of certain Dodd-Frank Act provisions.

Client expense: $1,790,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Council of Economic Advisers (CEA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, White House Office

Dodd Frank Act implementation (Sections 913, 914, 922, 929Y, 929Z, 982); HR 2146/S 1222 - Data Act of 2011 - provisions delaing with data standards; HR 1745/S 904 - Jobs Act of 2011 -provisions dealing with data standards. HR 2483 - Whistleblower Improvement Act of 2011; HR 2827 - provisions dealing with exemption for municiple advisors; S 1483 - Incorporation Transparacy and Law Enforcement Assistance Act - provisions dealing with public disclosure of beneficial owners of private companies. HR 2056 - To instruct the Inspector General of the FDIC to study the impact of insured depository institutions failures - regulatory capital provisions

Client expense: $980,000 · Firm income: Not reported

Government targets: Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

Dodd Frank Act implementation (Sections 913, 914, 922, 929Y, 929Z, 982); HR 2146/S 1222 - Data Act of 2011 - provisions delaing with data standards; HR 1745/S 904 - Jobs Act of 2011 - provisions dealing with data standards. HR 3339 - Standard DATA Act - provision dealing with data standards. HR 3213 - Small Company Job Growth and Regulatory Relief Act of 2011. HR 2483 - Whistleblower Improvement Act of 2011. HR 3630 - Middle Class Tax Relief and Job Creation Act of 2011 - provisions dealing with social security data standards. HR 3659 - Welfare Integrity and Data Improvement Act - provisions dealing with social security data standards. HR 3433 - GRANT Act - website reporting sections and single audit sections. HR 2483 - Whistleblower Improvement Act of 2011. HR 2056 - Provisions relating to accounting treatment (c)(2)(c) and section 3(a)(2). S 1962 and HR 2941 - Start-up Expansion and Investment Act. HR 1723 - Common Sense Economic Recovery Act - provisions relating to non-accrual loans. HR 1697 - Communities First Act. HR 1070 - Small Company Capital Formation - provisions on yearly audits. HR 3666 and S 1933 - Reopening American Capital Markets to Emerging Growth Companies Act of 2011 - provisions on audits and accounting standards. S 1866 and HR 3476 - AGREE Act - provisions on audits. HR 3655 - Small Business Access to Captial Act of 2011 - provisions on audits. SA 936 to HR 2354 - provisions on audits. S 1965 - Startup Act of 2011 - GAO study on audit costs. S 1962 - Startup Expansion and Investment Act - provisions on audits.

Client expense: $980,000 · Firm income: Not reported

Government targets: Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

Dodd Frank Act implementation. HR 2483 - Whistleblower Improvement Act of 2011. HR 2827 - provisions dealing with exemption from defination of municipal advisors. HR 2056 - To Instruct the Inspector General of the FDIC to Study the Impact of Depository Institution Failures - regulatory capital provisions.

Client expense: $400,000 · Firm income: Not reported

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Legislation: Regulatory environment affecting banks, including community banks; Debit Card Interchange Fee legislation (S.575, H.R.1081, H.R.3156); GSE legislation (H.R.1182, H.R.31, H.R.1221, H.R.1222,H.R.1223, H.R.1224, H.R.1225, H.R.1226, H.R.1227, H.R.2436, H.R.2441, H.R.2440, H.R.2462, H.R.463, H.R.2439); Mortgage Foreclosure Relief legislation (H.R.830, H.R.836, H.R.839, H.R.861) ; (Continued on next page) Legislation (cont'd.): Credit Union business lending (S.509, H.R.1418); Internet Gambling Regulation (H.R.1174); Consumer Financial Protection Bureau Governance (H.R.1121, H.R.1315). Small Business Lending (S.493), Bankruptcy Legislation (S.222), National Flood Insurance Reform (H.R.1309), Business Activity Tax Simplification Act (H.R. 1439), Executive Compensation (H.R. 1062), Covered Bonds (H.R.940), Patent Reform (H.R.1249), CFPB Appropriations Legislation. Information Security/Privacy (H.R.2577, H.R.3035, S.1151, S.1408, S.1434, S.1535), Deficit Reduction, American Jobs Act, Appropriation Legislation, Patent Office Reform (H.R.1249). Fannie Mae/Freddie Mac/FHA Fees (H.R. 3765); Flood Insurance Reform & Extension (H.R.2608, HJ Res. 94, HJ Res. 95, H.R.2055, H.R.3671, S.1958); Bank & Corporate Governance (H.R. 1965, S.556, S.1941,H.R.2940, H.R.2930); SEC Registration Threshold (H.R.2167, HR.1070); Sarbanes-Oxley Auditor Requirements (H.R.3213); Restoration of Fannie Mae/Freddie Mac/FHA Higher Loan Limits (Amendment to Ag Appropriations bill); Bank Examination Fairness (H.R.3461); Bank Failure Study Legislation (H.R.2056). Regulation: Fed. Reg. B (Equal Credit Opportunity) Rules, Fed and FDIC Orderly Resolution Regulations for Systemically Significant Companies, Fin CEN Bank Secrecy Act reporting requirements, General Obligation Bonds, Thrift institution regulation and reporting transfer to OCC and Fed, FASB Auditor Independence Rules, OCC Guidance on Deposit-Related Consumer Credit Products, Fed, FDIC and OCC Retail Foreign Exchange Rules, Regulation Q, Fed and FTC Credit Score Disclosure Rules, OCC Foreclosure Guidance. FDIC Assessment, Base & Rate Regulation; Registration of Mortgage Loan Originators; Federal Reserve Regulation II - debit card interchange fee regulation; SEC registration of municipal advisor regulation; FDIC Interest on Lawyer Account deposit insurance coverage regulation; FASB Mark to Market Accounting; shareholder executive compensation rules; FASB lease accounting rules; FASB impairment of financial asset rules; mortgage disclosure regulation; regulatory burden relief; federal garnishment rules; Federal Home Loan Bank system membership; Credit Card Act implementation; Regulation Z (Truth-in-Lending) amendments; Payment Settlement Entity Reporting; Interest on Non-Resident Alien Account Reporting; Credit Risk Retention Regulation. FDIC and OCC Overdraft and Bank Product Guidance, Repeal of Reg. Q, FHFA Rules on purchase of housing cooperative loans, IRS Guidance on Trust Commissions, Fed Savings and Loan Holding Company Regulation, Fed Remittance Transfer Proposal, National bank preemption, Risk-based capital requirements, CFPB Regulations. Home Mortgage Disclosure Act Reporting of Assignments in lieu of Mortgage Discharge (Reg C); Restrictions on Bank Proprietary Trading (Volcker Rule); Acquisitions of non-systemically significant financial institutions; Flood Insurance Guidance; Treasury Home Affordable Refinance Program; Examiner Treatment of New York State and Local Government Securities; CFPB Credit Card Disclosures; CFPB Deposit Account Disclosures; CFPB Mortgage Disclosures; Enhanced Regulation of large bank holding companies and non-bank firms.

Client expense: $80,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

H.R. 31- "Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1221 - "Equity in Government Compensation Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1222 - "GSE Subsidy Elimination Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1223 - "GSE Credit Risk Equitable Treatment Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1224 - "GSE Portfolio Risk Reduction Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1225 - "GSE Debt Issuance Approval Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1226 - "GSE Mission Improvement Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1227 - "GSE Risk and Activities Limitation Act of 2011" - provisions relating to Government Sponsored Enterprise (GSE) reform and home mortgage financing; H.R. 1754 - "Preserving Equal Access to Mortgage Finance Programs Act" - entire bill relating to extension of conforming loan limits; H.R. 2112 - Consolidated Appropriations Act, 2012, for Departments of Agriculture, Commerce, Justice, Transportation and Housing and Urban Development - provision relating to extension of conforming loan limits; H.R. 2508 - To extend through fiscal year 2013 the increase in original obligation of a mortgage that may be purchased by Fannie Mae and Freddie Mac - entire bill; S. 1508 - "The Homeownership Affordability Act of 2011" - entire bill relating to extension of conforming loan limits; H.R. 2056 - To instruct the Inspector General of the FDIC to study the impact of insured depository institution failures - entire bill relating to loss-sharing agreements (LSAs); S. 1737 - " Sensible Accounting to Value Energy Act of 2011" - The SAVE Act - proposals to include energy costs in mortgage underwriting and home appraisals; H.R. 2086 - Medical Debt Responsibility Act of 2011- entire bill relating to credit reporting of paid medical debts; Tax and budget proposals relating to the home mortgage interest deduction; Housing finance oversight, including issues related to federal funds used by interest groups.

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2056 - To instruct the Inspector General of the FDIC to study the impact of insured depository institution failures - entire bill relating to loss-sharing agreements (LSAs); Housing finance oversight, including issues related to federal funds used by interest groups.

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE