To amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors, and for other purposes.

Issues related to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act, including provisions related to derivatives, as well as the standard of care and regulatory oversight of broker-dealers and investment advisers HR 2634, Investment Adviser Oversight Act, all provisions HR 2827, Municipal Advisers Act, all provisions

Client expense: $1,330,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of

Working to improve the schedule H reporting requirements for tax exempt hospitals including improving community benefit reporting as required by the Patient Protection and Affordable Care Act. Meeting urging OMB not approve revised Schedule H without additional improvements by IRS, urging that there be another year of voluntary completion of the Schedule H; HR 2827, to amend the Security Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors. Letter sent to request support for the preservation of the charitable tax deduction.

Client expense: $5,350,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Equal Employment Opportunity Commission (EEOC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Office of Management & Budget (OMB), SENATE, White House Office

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. 2146, DATA Act, S. 3468, Independent Agency Regulatory Analysis Act of 2012: implementation of P.L. 111-203, Wall Street Reform and Consumer Protection Act, including GASB funding and related accounting issues.

Client expense: Not reported · Firm income: $150,000

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Submmitted comments to Financial Accounting Standards Board (FASB) on revenue recognition from contracts, as well as leases; Submitted comments and met with with the SEC on implementation of the municipal advisor registration requirement in the Dodd-Frank financial services reform law; submitted comments to the Municipal Securities Rulemaking Board on the proposed fiduciary duty of municipal advisors; HR 2827 and S 3620, related to the SEC municipal advisor requirement.

Client expense: $694,917 · Firm income: Not reported

Government targets: AMTRAK - Natl Railroad Passenger Corporation, Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Export-Import Bank of the United States (EXIM Bank), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Highway Administration (FHA), Federal Transit Administration (FTA), General Services Administration (GSA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Overseas Private Investment Corp (OPIC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Agency for International Development (USAID), U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA)

HR 1315 The Consumer Financial Protection Safety and Soundness Improvement Act HR 1356 Capital Access for Main Street Act of 2011 HR 1418 Small Business Lending Enhancement Act of 2011 HR 1697 Communities First Act HR 1965 The SEC Shareholder Registration Act HR 2167 The Private Company Flexibility and Growth Act HR 2308 SEC Regulatory Accountability Act HR 2827 Municipal Adviser SEC Reform HR 3461 Financial Instititions Examination Fairness and Reform Act HR 3606 Jumpstart Our Business Startups (Jobs) Act HR 4014 Confidentiality of Information Provided to the CFPB HR 4367 Amend the Electronic Fund Transfer Act (to limit ATM fee disclosure requirements) HR 5817, Privacy Notices S 509 Small Business Lending Enhancement Act Credit Union MBL Expansion S 1548 National Flood Insurance Program Extension Act S 1600 Communities First Act S 2160 Bank Exam Reform S 2231 Small Business Lending Enhancement Act Credit Union MBL Expansion S 2278 Certain Escrow Exemptions for Community Bankers S 3204 ATM Fee Disclosure Requirements S 3394 ATM Fee Disclosure Act and CFPB Privilege S 3492, S 3620 To provide for exemptions from municipal advisor requirements S 3637, Transaction Account Guarantee Program Extention S 3709, GAO Study Bill Bank Examinations Capital Requirements/Regulations/Basel III Rules Consumer Data Security Consumer Financial Protection Bureau Consumer Protection for Financial Products and Services Credit Union Business Lending Powers Credit Union Tax Exemption Fair Lending Enforcement FDIC Transaction Account Guarantee Program Extention FHA Loan Programs Financial Regulatory Reform Housing Finance Reform Housing Government Sponsored Enterprises Implementation of Basel III in the U.S. Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act Mortgage Escrow Requirements Mortgage Lending Disclosures (RESPA/TILA) Mortgage Lending Reform Mortgage Loan Origination Standards Mortgage Servicing Compensation National Flood Insurance Program Reauthorization Qualified Mortgages/ Ability to Repay Qualified Residential Mortgages/Risk Retention Registration of Municipal Advisors Regulation Z Establishment of ESCROW - Higher Priced Loans Regulatory and Tax Relief for Community Banks Remittance Transfer Rules SEC Shareholder Registration Threshold for Community Banks Systemic Risk, Too-Big-To-Fail Regulation and Resolution Authority

Client expense: $1,300,000 · Firm income: Not reported

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

Financial services regulation reform; CFPB consumer agency and application to 529 plans. Proposals related to securities and banking laws for IRC section 529 plans; muni money market fund regulation; H.R. 2827; Volcker Rule as it applies to municipal securities; S. 3637 - Tag extension.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

S. 1615 - Financial Regulatory Responsibility Act S. 1650 - Dodd-Frank Improvement Act of 2011 S. 1834 - Residential Mortgage Market Privatization and Standardization Act of 2011 S. 1835 - United States Covered Bond Act S. 3468 - Independent Agency Regulatory Analysis Act of 2012 S. 3497 - Terminating the Expansion of Too-Big-To-Fail Act of 2012 S. 3620 - Regulation of Municipal Advisors S. 3637 - Temporarily Extend the Transaction Account Guarantee Program S. 3709 - GAO Study of Too Big to Fail H.R. 940 - United States Covered Bond Act of 2011 H.R. 1182 - GSE Bailout Elimination and Taxpayer Protection Act H.R. 1539 - Asset-Backed Market Stabilization Act of 2011 H.R. 1573 - Delay Implementation of Title VII of Dodd-Frank H.R. 1838 - Repeal DFA provision prohibiting assistance to swap dealers or participants H.R. 1840 - Consideration by the CFTC of the costs and benefits of its regulations H.R. 2308 - SEC Regulatory Accountability Act H.R. 2483 - Whistleblower Improvement Act of 2011 H.R. 2577 - Secure and Fortify Electronic Data Act H.R. 2586 - Swap Execution Facility Clarification Act H.R. 2682 - Business Risk Mitigation and Price Stabilization Act of 2011 H.R. 2779 - To exempt inter-affiliate swaps from Dodd-Frank Act H.R. 2827 - Regulation of Municipal Advisors H.R. 3606 - JOBS Act H.R. 3644 - Private Mortgage Market Investment Act H.R. 3862 - Sunshine for Regulatory Decrees and Settlements Act of 2012 H.R. 4078 - Red Tape Reduction and Small Business Job Creation Act H.R. 4624 - Investment Adviser Oversight Act H.R. 5929 - Next Steps for Credit Availability Act H.R. 6127 - Liquidity Enhancement for Small Public Companies Act H.R. 6204 - Investment Adviser Examination Improvement Act of 2012 H.R. 6317 - Terminating the Expansion of Too-Big-to-Fail Act of 2012 Draft - SEC Modernization Act CFTC Rule 4.5 Money Market Mutual Funds SIFIs Volcker Rule Use of Commodities by Mutual Funds Exchange-Traded Funds Market Structure Mandatory Audit Firm Rotation Tri-Party Repo Market Mortgage Eminent Domain FX Forwards and FX Swaps Non-deliverable Forwards

Client expense: $1,001,729 · Firm income: Not reported

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

Proposals responding to the effect of the stock market decline on retirement savings accounts. Proposals to expand retirement coverage, including proposals to mandate payroll deduction IRAs (not yet in legislative form) Proposals regarding annuitization of assets from defined contribution plans (not yet in legislative form) S 267; HR 677 - "Lifetime Income Disclosure Act" - A lifetime income disclosure shall set forth the annuity equivalent of the total benefits accrued with respect to the participant or beneficiary HR 1534 - "Save Act of 2011" - Reforms Retirement Plan System HR 774- "Senior Investor Protections Act "- To enhance penalties for violations of securities protections that involve targeting seniors Congressional activity surrounding the Department of Labor's proposed regulation to redefine "fiduciary" S. 1020- Savings Act of 2011 Savings Enhancement by alleviating leakage in 401(k) Savings Act of 2011 alleviates leakage in 401(k) plans HR 3561- Small Business Promotion Act - technical corrections and improvements to pension system H. Con. Res. 101 - "Concurrent resolution expressing the sense of the Congress that our current tax incentives for retirement savings provide important benefits to Americans to help plan for a financially secure retirement" - Expresses sense of the Congress regarding tax incentives for retirement savings HR 4049 - "Automatic IRA Act of 2012" - regarding automatic IRA arrangements S. 1557 - "Automatic IRA Act of 2011" - regarding automatic IRA arrangements HR 4050 - "Retirement Plan Simplification and Enhancement Act of 2012" - To simplify and enhance qualified retirement plans HR 4348 - "The Surface Transportation Act of 2012"- defined benefit funding relief, transfers of excess pension funding assets S 2123 - "Highway Investment Job Creation & Economic Growth Act of 2012" would stretch IRA provision S 1534 - "Identity Theft & taax Fraud Prevention Act" Death master file limitations HR 3475 - "Keeping ID's Safe Act of 2011" Death master file limitations S 1121 -"Savings Enhancement by Alleviating Leakage in 401(k) Savings Act" - limits borrowng from 401(k) plans-credit insurance HR 3656 -"The Retirement Savings Security Act" - 401(k) plan loans HR 2827/S. 3620 - "Municipal Advisor Regulation" - investment advice regulation HR 6472 -"Saving for American Families Future Act of 2012" - saver's credit expansion HR 2656 - "Pensions Technical Modifications Act" - DB pensions S. Con. Res. 62 - "Concurrent resolution expressing the sense of the Congress that our current tax incentives for retirement savings provide important benefits to Americans to help plan for a financially secure retirement" - Expresses sense of the Congress regarding tax incentives for retirement savings

Client expense: $1,340,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS)

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: 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

Dodd Frank Act implementation. HR 2483 - Whistleblower Improvement Act of 2011. HR 2827, S.3620 - provisions dealing with exemption from defination of municipal advisors.

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

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), 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, 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

Working to improve the schedule H reporting requirements for tax exempt hospitals including improving community benefit reporting as required by the Patient Protection and Affordable Care Act. Meeting urging OMB not approve revised Schedule H without additional improvements by IRS, urging that there be another year of voluntary completion of the Schedule H; HR 2827, to amend the Security Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors.

Client expense: $3,550,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Equal Employment Opportunity Commission (EEOC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), SENATE, White House Office

AML/Regulator Relief; Financial Services and General Government appropriations; Credit Card/Interchange Fees; Retirement Security/Annuities; Carried interest income; GSE Reform; Automobile, Arbitration fairness; Nursing home arbitration; Regulatory Restructuring; Executive Compensation; Independent Foreclosure Review Proxy Access; Structure and Activities of the Office of Financial Research Implementation of Proprietary Trading and Funds Investments Restrictions of the Proposed Volcker Rule S. 746, Dodd-Frank Repeal Act of 2011; H.R. 87, to Repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act; H.R. 189, to Repeal the Troubled Asset Relief Program and Prevent Future Bailouts; H.R. 1539, Asset-Backed Market Stabilization Act of 2011; H.R. 1610, Business Risk Mitigation and Price Stabilization Act of 2011; H.R. 1062, Burdensome Data Collection Relief Act; H.R. 336, Interest Rate Reduction Act; H.R. 1667, Bureau of Consumer Financial Protection Transfer Clarification Act; H.R. 1723, Common Sense Economic Recovery Act; S. 2111, Cyber Crime Protection Security Act H.R. 1838, Repeal of Dodd-Frank Swaps Pushout Provision H.R. 370, PASS Act of 2011 H.R. 2827, Municipal Advisors Regulation Line 17 Continued: Consumer Financial Protection Bureau (CFPB)

Client expense: $1,560,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Corporation for Natl & Community Service, Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), 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), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

HR 940 United States Covered Bonds Act of 2011 HR 1315 The Consumer Financial Protection Safety and Soundness Improvement Act HR 1356 Capital Access for Main Street Act of 2011 HR 1418 Small Business Lending Enhancement Act of 2011 HR 1697 Communities First Act HR 1840 Improve Consideration by CFTC of Costs and Benefits of Regulations and Orders HR 1965 The SEC Shareholder Registration Act HR 2167 The Private Company Flexibility and Growth Act HR 2308 SEC Regulatory Accountability Act HR 2827 Municipal Adviser SEC Reform HR 3461 Financial Instititions Examination Fairness and Reform Act HR 3606 Jumpstart Our Business Startups (Jobs) Act HR 4014 Confidentiality of Information Provided to the CFPB HR 4078 Red Tape Reduction and Small Business Job Creation Act HR 4293 Restore Main Street's Credit Act of 2012 HR 4348 Flood Insurance/ Student Loans HR 4367 Amend the Electronic Fund Transfer Act (to limit ATM fee disclosure requirements) HR 5691 Overdraft Act of 2012 HR 6139 Consumer Credit Access, Innovation and Modernization Act S 509 Small Business Lending Enhancement Act Credit Union MBL Expansion S 1548 National Flood Insurance Program Extension Act S 1600 Communities First Act S 2160 Bank Exam Reform S 2231 Small Business Lending Enhancement Act Credit Union MBL Expansion S 2237 Small Business Jobs and Tax Relief Act S 2278 Certain Escrow Exemptions for Community Bankers S 3204 ATM Fee Disclosure Requirements S 3394 ATM Fee Disclosure Act and CFPB Privilege S 3492, S 3620 To provide for exemptions from municipal advisor requirements Bank Examinations Capital Requirements/Regulations/Basel III Rules Consumer Data Security Consumer Financial Protection Bureau Consumer Protection for Financial Products and Services Credit Card/ Debit Card Interchange Fees Debit Interchange Fees Credit Union Business Lending Powers Credit Union Tax Exemption Fair Lending Enforcement FDIC Transaction Account Guarantee Program Extention FHA Loan Programs Financial Regulatory Reform Homeownership and Equity Protection Act Housing Finance Reform Housing Government Sponsored Enterprises Implementation of Basel III in the U.S. Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act Mortgage Lending Disclosures (RESPA/TILA) Mortgage Lending Reform Mortgage Loan Origination Standards Mortgage Servicing Compensation National Flood Insurance Program Reauthorization Overdraft Payment Services Patents - American Invents Act Qualified Mortgages/ Ability to Repay Qualified Residential Mortgages/Risk Retention Registration of Municipal Advisors Regulation Z Establishment of ESCROW - Higher Priced Loans Regulatory and Tax Relief for Community Banks Remittance Transfer Rules Sarbnes-Oxley Internal Control Attestation SEC Shareholder Registration Threshold for Community Banks Small Business Lending Fund Implementation Social Security Direct Deposit Systemic Risk, Too-Big-To-Fail Regulation and Resolution Authority

Client expense: $890,000 · Firm income: Not reported

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

Submmitted comments to Financial Accounting Standards Board (FASB) on revenue recognition from contracts, as well as leases; Submitted comments and met with with the SEC on implementation of the municipal advisor registration requirement in the Dodd-Frank financial services reform law; submitted comments to the Municipal Securities Rulemaking Board on the proposed fiduciary duty of municipal advisors; HR 2827, related to the SEC municipal advisor requirement.

Client expense: $658,798 · Firm income: Not reported

Government targets: AMTRAK - Natl Railroad Passenger Corporation, Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Export-Import Bank of the United States (EXIM Bank), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Highway Administration (FHA), Federal Transit Administration (FTA), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Overseas Private Investment Corp (OPIC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Agency for International Development (USAID), U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA)

Issues related to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act, including provisions related to derivatives, as well as the standard of care and regulatory oversight of broker-dealers and investment advisers. HR 2634, Investment Adviser Oversight Act, all provisions HR 2827, Municipal Advisers Act, all provisions

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

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

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. 2146, DATA Act, S. 3468, Independent Agency Regulatory Analysis Act of 2012: implementation of P.L. 111-203, Wall Street Reform and Consumer Protection Act, including GASB funding and related accounting issues.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR 2827 - oppose weakening standards governing municipal financial advisors

Client expense: $670,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, Treasury, Dept of, White House Office

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

S. 1650 Dodd-Frank Improvement Act of 2011 S. 1835 United States Covered Bond Act S. 2223 Delay Implementation Date of Volcker Rule Provisions S. 3468 Independent Agency Regulatory Analysis Act of 2012 S. 1615 - Financial Regulatory Responsiblity Act S. 1834 - Residential Mortgage Market Privatization and Standardization Act of 2011 S. 3497 - Terminating the Expansion of Too-Big-To-Fail Act of 2012 S. 3620 - Regulation of Municipal Advisors H.R. 940 - United States Covered Bond Act of 2011 H.R. 1182 - GSE Bailout Elimination and Taxpayer Protection Act H.R. 1539 - Asset-Backed Market Stabilization Act of 2011 H.R. 1573 - Delay Implemenation of Title VII of Dodd-Frank Act H.R. 1838 - Repeal DFA provision prohibitng assistance to swap dealers or participants H.R. 1840 - Consideration by the CFTC of the costs and benefits of its regulations H.R. 1859 - Housing Finance Reform Act of 2011 H.R. 2308 - SEC Regulatory Accountability Act H.R. 2483 - Whistleblower Improvement Act of 2011 H.R. 2586 - Swap Execution Facility Clarification Act H.R. 2682 - Business Risk Mitigation and Price Stabilization Act of 2011 H.R. 2779 - To Exempt inter-affiliate swaps from Dodd-Frank Act H.R. 2827 - Regulation of Municipal Advisors H.R. 3606 - JOBS Act H.R. 3644 - Private Mortgage Market Investment Act H.R. 3862 - Sunshine for Regulatory Decrees and Settlements Act of 2012 H.R. 4078 - Red Tape Reduction and Small Business Job Creation Act H.R. 4624 - Investment Adviser Oversight Act H.R. 5929 - Next Steps for Credit Availability Act H.R. 6127 - Liquidity Enhancement for Small Public Companies Act H.R. 6317 - Terminating the Expansion of Too-Big-To-Fail Act of 2012 CFTC Rule 4.5 Money Market Mutual Funds SIFIs Volcker Rule Use of Commodities by Mutual Funds Exchange-Traded Funds Market Structure Extension of unlimited deposit insurance for noninterest-bearing transaction accounts Mandatory Audit Firm Rotation Tri-Party Repo Market Mortgage Eminent Domain Non-Deliverable Forwards Transaction Account Gaurantee (TAG) Extension

Client expense: $1,556,769 · Firm income: Not reported

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

HR 3313/S 1787-The Wall Street Trading and speculators tax act, Financial Transaction Tax, Protect Dodd-Frank, Dodd-Frank (derivatives) cross border rule, Stopping S. 3468-The independent Agency Regulatory Analysis Act of 2012, HR 2827-Amend the SEC of 1934 related to the regulation of municipal advisors and other purposes.

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

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Government Ethics (OGE), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Financial services regulation reform; CFPB consumer agency and application to 529 plans. Proposals related to securities and banking laws for IRC section 529 plans; muni money market fund regulation; H.R. 2827; Volcker Rule as it applies to municipal securities.

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

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

Proposals responding to the effect of the stock market decline on retirement savings accounts. Proposals to expand retirement coverage, including proposals to mandate payroll deduction IRAs (not yet in legislative form) Proposals regarding annuitization of assets from defined contribution plans (not yet in legislative form) S 267; HR 677 - "Lifetime Income Disclosure Act" - A lifetime income disclosure shall set forth the annuity equivalent of the total benefits accrued with respect to the participant or beneficiary HR 1534 - "Save Act of 2011" - Reforms Retirement Plan System HR 774- "Senior Investor Protections Act "- To enhance penalties for violations of securities protections that involve targeting seniors Congressional activity surrounding the Department of Labor's proposed regulation to redefine "fiduciary" S. 1020- Savings Act of 2011 Savings Enhancement by alleviating leakage in 401(k) Savings Act of 2011 alleviates leakage in 401(k) plans HR 3561- Small Business Promotion Act - technical corrections and improvements to pension system H. Con. Res. 101 - "Concurrent resolution expressing the sense of the Congress that our current tax incentives for retirement savings provide important benefits to Americans to help plan for a financially secure retirement" - Expresses sense of the Congress regarding tax incentives for retirement savings HR 4049 - "Automatic IRA Act of 2012" - regarding automatic IRA arrangements S. 1557 - "Automatic IRA Act of 2011" - regarding automatic IRA arrangements HR 4050 - "Retirement Plan Simplification and Enhancement Act of 2012" - To simplify and enhance qualified retirement plans HR 4348 - "The Surface Transportation Act of 2012"- defined benefit funding relief, transfers of excess pension funding assets S 2123 - "Highway Investment Job Creation & Economic Growth Act of 2012" would stretch IRA provision S 1534 - "Identity Theft & taax Fraud Prevention Act" Death master file limitations HR 3475 - "Keeping ID's Safe Act of 2011" Death master file limitations S 1121 -"Savings Enhancement by Alleviating Leakage in 401(k) Savings Act" - limits borrowng from 401(k) plans-credit insurance HR 3656 -"The Retirement Savings Security Act" - 401(k) plan loans HR 2827/S. 3620 - "Municipal Advisor Regulation" - investment advice regulation HR 6472 -"Saving for American Families Future Act of 2012" - saver's credit expansion HR 2656 - "Pensions Technical Modifications Act" - DB pensions

Client expense: $780,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS)

Dodd Frank Act implementation. HR 2483 - Whistleblower Improvement Act of 2011. HR 2827, S.3620 - provisions dealing with exemption from defination of municipal advisors.

Client expense: $310,000 · Firm income: Not reported

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Securities & Exchange Commission (SEC)

General Dodd-Frank Implementation issues (including Section 165 and Volcker Rule); other banking issues including HR 2827, HR 4367

Client expense: $260,000 · 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 implementation. HR 2483 - Whistleblower Improvement Act of 2011. HR 2827 - provisions dealing with exemption from defination of municipal advisors.

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

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), 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

Dodd Frank Act implementation. HR 2483 - Whistleblower Improvement Act of 2011. HR 2827 - provisions dealing with exemption from defination of municipal advisors.

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

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

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 2046 - To instruct the Inspector General of 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

Discussions about modifications to Clean Renewable Energy Bonds (CREBs) program Discussions about Dodd-Frank Act rulemakings H.R. 2682, Business Risk Mitigation and Price Stabilization Act Discussions about wind integration issues H.R. 2827, to clarify the definition of municipal advisor in the Securities Exchange Act Discussions about Energy Imbalance Market in Western Interconnection H.R. 795, the Small-Scale Hydropower Enhancement Act H.R. 3680, Hydropower Regulatory Efficiency Act of 2011 H.R. 2842, Bureau of Reclamation Small Conduit Hydropower Development Act H.R. 3527, Protecting Main Street End-Users From Excessive Regulation Discussions about Steven Chu memo on Power Marketing Administrations S. 1342, the Grid Cyber Security Act, as reported by the Senate Energy and Natural Resources Committee S. 2105, the Cybersecurity Act of 2012 (Lieberman/Collins) House Draft Grid Reliability and Infrastructure Defense Act (GRID) H. R. 3674, Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness Act of 2011 H.R. 3523, Cyber Intelligence Sharing and Protection Act of 2011 S. 2151, the Strengthening and Enhancing Cybersecurity by Using Research, Education, Information, and Technology (SECURE IT) Act of 2012 H.R.4263, SECURE IT Act of 2012

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2273, S.1751, The Coal Residuals Reuse and Management Act Discussions about proposals to charge market rates for PMA power and to modify or eliminate tax-exempt bonds Environmental Protection Agency Cross-State Air Pollution Rule (CSAPR) Discussions on rail competitiveness and amendment to S. 1813, MAP-21, the Surface Transportation Authorization Discussions about EPA New Source Performance Standards (NSPS) for Power Plants Discussions about EPA Utility MACT rule Discussions about Steven Chu memo on Power Marketing Administrations Discussions about carbon capture and sequestration S. 1342, the Grid Cyber Security Act, as reported by the Senate Energy and Natural Resources Committee S. 2105, the Cybersecurity Act of 2012 S. 2151, the Strengthening and Enhancing Cybersecurity by Using Research, Education, Information, and Technology (SECURE IT) Act of 2012 H. R. 3674, Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness Act of 2011 House Draft Grid Reliability and Infrastructure Defense Act (GRID) H.R. 3523, Cyber Intelligence Sharing and Protection Act of 2011 H.R.4263, SECURE IT Act of 2012 H.R. 2827, to clarify the definition of municipal advisor in the Securities Exchange Act H.R. 2682, the Business Risk Mitigation and Price Stabilization Act of 2011 H.R. 3527, Protecting Main Street End-Users From Excessive Regulation Act Discussions about Dodd-Frank Act rulemakings

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Dodd Frank Act implementation. HR 2483 - Whistleblower Improvement Act of 2011. HR 2827 - provisions dealing with exemption from defination of municipal advisors.

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

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

Discussions about modifications to Clean Renewable Energy Bonds (CREBs) program Discussions about extension of the Production Tax Credit The American Jobs Act (White House); discussions about preserving provisions on tax exempt bonds Discussions about 2010 Simpson-Bowles Proposal and deficit reduction plans H.R. 795, the Small-Scale Hydropower Enhancement Act H.R. 3680, Hydropower Regulatory Efficiency Act of 2011 S. 1342, the Grid Cyber Security Act, as reported by the Senate Energy and Natural Resources Committee S. 2105, the Cybersecurity Act of 2012 House Draft Grid Reliability and Infrastructure Defense Act (GRID) H. R. 3674, Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness Act of 2011 H.R. 3523, Cyber Intelligence Sharing and Protection Act of 2011 S. 2151, the Strengthening and Enhancing Cybersecurity by Using Research, Education, Information, and Technology (SECURE IT) Act of 2012 H.R.4263, SECURE IT Act of 2012 Discussions about FERC Notice of Inquiry (NOI) seeking input on FERCs transmission rate incentives policy FY 2013 Labor HHS Appropriations, interest in LIHEAP provisions Discussions about bills to promote small hydropower development H.R. 2827, to clarify the definition of municipal advisor in the Securities Exchange Act H.R. 2682, the Business Risk Mitigation and Price Stabilization Act of 2011 H.R. 3527, Protecting Main Street End-Users From Excessive Regulation Act Discussions about Dodd-Frank Act rulemakings

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 674 to amend the Internal Revenue Code of 1986 to repeal the imposition of 3% witholding on certain payments made to vendors by government entities. S.89 Withholding Tax Relief Act of 2011; S.164 Withholding Tax Relief Act of 2011. H.R. 2827 To Amend the Securities Exchange Act of 1934 to Clarify Provisions Relating to the Regulation of Municipal Advisors.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Discussions about 2010 Simpson-Bowles Proposal and deficit reduction plans Discussions about modifications to Clean Renewable Energy Bonds (CREBs) program Discussions about extension of the Production Tax Credit H.R. 2682, Business Risk Mitigation and Price Stabilization Act H.R. 2827, to clarify the definition of municipal advisor in the Securities Exchange Act Discussions about Dodd-Frank Act rulemakings EPA regional haze mandates on San Juan Generating Station in New Mexico H.R. 2273, S.1751, The Coal Residuals Reuse and Management Act H.R. 3527, Protecting Main Street End-Users From Excessive Regulation S. 1342, the Grid Cyber Security Act, as reported by the Senate Energy and Natural Resources Committee S. 2105, the Cybersecurity Act of 2012 House Draft Grid Reliability and Infrastructure Defense Act (GRID) H. R. 3674, Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness Act of 2011 H.R. 3523, Cyber Intelligence Sharing and Protection Act of 2011 S. 2151, the Strengthening and Enhancing Cybersecurity by Using Research, Education, Information, and Technology (SECURE IT) Act of 2012 H.R.4263, SECURE IT Act of 2012

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

Government targets: Commodity Futures Trading Commission (CFTC), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, SENATE

H.R. 2682, Business Risk Mitigation and Price Stabilization Act Discussions about Dodd-Frank Act rulemakings Discussions about Energy Imbalance Market in Western Interconnection H.R. 3527, Protecting Main Street End-Users From Excessive Regulation H.R. 2827, a bill to clarify provisions relating to the regulation of municipal advisors FERC Order 1000 - Transmission Planning and Cost Allocation Discussions about Steven Chu memo on Power Marketing Administrations Discussions about FERC decision in Iberdrola case FY 2013 Energy and Water Appropriations Discussions about 2010 Simpson-Bowles Proposal and deficit reduction plans S. 1342, the Grid Cyber Security Act, as reported by the Senate Energy and Natural Resources Committee; all provisions S. 2105, the Cybersecurity Act of 2012 House Draft Grid Reliability and Infrastructure Defense Act (GRID); all provisions H. R. 3674, Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness Act of 2011 H.R. 3523, Cyber Intelligence Sharing and Protection Act of 2011 S. 2151, the Strengthening and Enhancing Cybersecurity by Using Research, Education, Information, and Technology (SECURE IT) Act of 2012 H.R.4263, SECURE IT Act of 2012 H.R. 1837, Sacramento-San Joaquin Valley Water Reliability Act

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

Government targets: Commodity Futures Trading Commission (CFTC), Energy, Dept of, HOUSE OF REPRESENTATIVES, SENATE

FY 2013 Energy and Water Appropriations Water Resources Development Act (no bill yet); discussions about cost allocations for Wolf Creek/Center Hill dams H.R. 2273, S.1751, The Coal Residuals Reuse and Management Act The American Jobs Act (White House); discussions about preserving provisions on tax exempt bonds S.J. Res. 37, a resolution to disapprove and nullify EPAs rule on hazardous air pollutants Discussions about Steven Chu memo on Power Marketing Administrations Discussions about 2010 Simpson-Bowles Proposal and deficit reduction plans S. 1342, the Grid Cyber Security Act, as reported by the Senate Energy and Natural Resources Committee; all provisions S. 2105, the Cybersecurity Act of 2012 House Draft Grid Reliability and Infrastructure Defense Act (GRID) H. R. 3674, Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness Act of 2011 H.R. 3523, Cyber Intelligence Sharing and Protection Act of 2011 S. 2151, the Strengthening and Enhancing Cybersecurity by Using Research, Education, Information, and Technology (SECURE IT) Act of 2012 H.R.4263, SECURE IT Act of 2012 Discussions about EPA New Source Performance Standards (NSPS) for Power Plants Discussions about EPA Utility MACT rule H.R. 2827, to clarify the definition of municipal advisor in the Securities Exchange Act H.R. 2682, the Business Risk Mitigation and Price Stabilization Act of 2011 H.R. 3527, Protecting Main Street End-Users From Excessive Regulation Act Discussions about Dodd-Frank Act rulemakings

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

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), 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

FY 2013 Energy and Water Appropriations Water Resources Development Act (no bill yet); discussions about cost allocations for Wolf Creek/Center Hill dams H.R. 2273, S.1751, The Coal Residuals Reuse and Management Act The American Jobs Act (White House); discussions about preserving provisions on tax exempt bonds S.J. Res. 37, a resolution to disapprove and mullify EPA's rule on hazardous air pollutants Discussions about Steven Chu memo on Power Marketing Administrations Discussions about 2010 Simpson-Bowles Proposal and deficit reduction plans S. 1342, the Grid Cyber Security Act, as reported by the Senat Energy and Natural Resources Committee; all provisions S. 2105, the Cybersecurity Act of 2012 House Driaft Grid Reliability and Infrastructure Defense Act (GRID) H. R. 3674, Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness Act of 2011 H. R. 3523, Cyber Intelligence Sharing and Protection Act of 2011 S. 2151, the Strengthening and Enhancing Cybersecurity by Using Research, Education, Information, and Technology (SECURE IT) Act of 2012 H. R. 4263, SECURE IT Act of 2012 Discussions about EPA New Source Performance Standards (NSPS) for Power Plants Discussions about EPA Utility MACT rule H. R. 2827, to clarify the definition of municipal advisor in the Securities Exchange Act H. R. 2682, the Business Risk Mitigation and Price Stabilization Act of 2011 H. R. 3527, Protecting Main Street End-Users From Excessive Regulation Act Discussions about Dodd-Frank Act rulemakings

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

Government targets: Army, Dept of (Corps of Engineers), HOUSE OF REPRESENTATIVES, SENATE, Tennessee Valley Authority (TVA)

H.R. 674 to amend the Internal Revenue Code of 1986 to repeal the imposition of 3% witholding on certain payments made to vendors by government entities. S.89 Withholding Tax Relief Act of 2011; S.164 Withholding Tax Relief Act of 2011. H.R. 2827 To Amend the Securities Exchange Act of 1934 to Clarify Provisions Relating to the Regulation of Municipal Advisors.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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. 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

Discussions about modifications to Clean Renewable Energy Bonds (CREBs) program H.R. 1610, Business Risk Mitigation and Price Stabilization Act H.R. 2827, to clarify the definition of municipal advisor in the Securities Exchange Act Discussions about Dodd-Frank Act, CFTC and SEC rulemakings H.R. 3527, Protecting Main Street End-Users From Excessive Regulation Discussions about energy imbalance market in Western Interconnection H.R. 795, the Small-Scale Hydropower Enhancement Act H.R. 3680, Hydropower Regulatory Efficiency Act of 2011 H.R. 2842, Bureau of Reclamation Small Conduit Hydropower Development Act

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE