Capital Access for Small Businesses and Jobs Act

provision of banking and financial services by federal credit unions; Capital Access for Small Businesses and Jobs Act, H.R. 3993

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

Government targets: HOUSE OF REPRESENTATIVES

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Please see addendum. H.R. 31-Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act, all provisions H.R. 463, Fannie Mae and Freddie Mac Transparency Act, all provisions H.R. 1081, Consumer Payment System Payments Act, all provisions H.R. 1121-Responsible Consumer Financial Protection Regulations Act of 2011, all provisions H.R. 1174, Internet Gambling Regulation, Consumer Protection, and Enforcement Act. H.R. 1221-Equity in Government Compensation Act of 2011, all provisions H.R. 1222-GSE Subsidy Elimination Act of 2011, all provisions H.R. 1223, GSE Credit Rish Equitable Treatment Act, all provisions H.R. 1224-Portfolio Risk Reduction Act of 2011, all provisions H.R. 1225-GSE Debt Issuance Approval Act of 2011, all provisions H.R. 1226-GSE Mission Improvement Act of 2011, all provisions H.R. 1227-GSE Risk and Activities Limitation Act of 2011, all provisions H.R. 1309-Flood Insurance Reform Act, all provisions H.R. 1315-Consumer Financial Protection Safety and Soundness Improvement Act of 2011, all provisons H.R. 1418-Small Business Lending Enhancement Act, all provisions H.R. 1667, Bureau of Consumer Financial Protection Transfer Clarification Act, all provisions H.R. 1697, Communities First Act, all provisions H.R. 1723, the Common Sense Economic Recovery Act, all provisions H.R. 1754, Preserving Equal Access to Mortgage Finance Programs, all provisions H.R. 1859, Housing Finance Reform Act, all provisions H.R. 1965, to amend the securities laws to establish certain thresholds for shareholders, all provisions H.R. 2413, the Secondary Market Facility or Residential Mortgage Act, all provisions H.R. 2436, Fannie Mae and Freddie Mac Taxpayer Payback Act, all provisions H.R. 2439, Removing GSE Charters During Receivership Act, all provisions H.R. 2462, Cap the GSE Bailout Act, all provisions H.R. 2930, the Entrepreneur Access to Capital Act, all provisions H.R. 3461, the Financial Institution Examination Fairness and Reform Act, all provisions H.R. 3336, the Small Business Credit Availability Act, all provisions H.R. 3606, the Jumpstart Our Business Startups Act, Title VI, provisions related to shareholder threshold for registration H.R. 3630, the Middle Class Tax Relief and Job Creation Act, provisions related to the National Flood Insurance Program and provisions related to mortgage fees and premiums H.R. 3993, Capital Access for Small Business Jobs Act, all provisions H.R. 4014, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, all provisions. H.R. 4217, Mutual Community Bank Competitive Equality Act, all provisions H.R. 4323, the Consumer Mortgage Choice Act, all provisions H.R. 4367, related to ATM fee disclosure requirements, all provisions H.R. 4348, MAP-21 Act, Title II, provisions related to the National Flood Insurance Program and issues related to interchange fee regulation and the study therof by various federal agencies H.R. 5740, National Flood Insurance Program Extension Act, all provisions H.R. 5817, Eliminate Privacy Notice Confusion Act, all provisions H.R. 6125, a bill to amend the Federal Deposit Insurance Act and the Federal Credit Union Act with respect to privilege of information provided to Federal and State agencies, and for other purposes, all provisions S. 170, the Helping Responsible Homeowners Act, all provisions S. 509, Small Business Lending Enhancement Act, all provisions S. 575, Debit Interchange Fee Study Act, all provisions S. 967, the Regulation of Mortgages Servicing Act, all provisions S. 1151, Personal Data Privacy and Security Act, provisions related to entities covered by the Gramm-Leach Bliley Act. S. 1207, the Data Security and Breach Notification Act, all provisions S. 1408, Data Breach Notification Act of 2011, all provisions S. 1434, Data Security Act of 2011, all provisions S. 1535, Personal Data Protection and Breach Accountability Act, all provisions S. 1600, Communities First Act, all provisions S. 1615, Financial Regulatory Responsibility Act, all provisions S. 556, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1549, the American Jobs Act, amendments related to credit union member business lending S. 1660, the American Jobs Act, amendments related to credit union member business lending. S. 1824, the Private Company Flexibility and Growth Act, all provisions S. 1940, an original bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes, all purposes. S. 1941, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1958, a bill to extend the National Flood Insurance Program until May 31, 2012, all provisions S. 2105, Cybersecurity Act of 2012, all provisions S. 2111, the Cyber Crime Protection Security Act, all provisions S. 2160, the Financial Institution Examination Fairness and Reform Act, all provisions S. 2231, Small Business Lending Enhancement Act, all provisions S. 2344, a bill to extend the National Flood Insurance Program until December 31, 2012, all provisions S. 3085, the Responsible Homeowner Refinancing Act, all provisions S. 3204, related to ATM fee disclosure requirements, all provisions S. 3571, a bill to require the Bureau of Consumer Financial Protection to conduct a small business panel on the Qualified Mortgage rule before it can go forward with a rule, all provisions S. 3637, a bill to extend the Transaction Account Guarantee Program S. 3709, a bill to require a Government Accountability Office examination of transactions between large financial institutions and the Federal Government Lucas Amendment to H. R. 1309, related to force placed insurance S. Amdt 267 to S. 495, related to debit interchange fee study, all provisions S. Amdt 242 to S. 495, related to credit union business lending, all provisions S. Amdt 392 to S. 782, related to debit interchange fee regulation, all provisions Implementation of Title VII of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to the definition of "Swap Dealer" and the Swaps End User Exemption. Implementation of Section 1075 of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to debit interchange fee regulation Issues related to the NCUA's proposed rule related to credit union service organizations Issues related to mobile banking and mobile payments Issues related to the vacancy on the National Credit Union Administration Board Issues related to the NCUA Rule on Net Worth and Bargain Purchase Agreements Issues related to the proposed CFPB form on RESPA/TILA Issues related to the Regulation of Regulation Z/Multi-Feature Open-End Lending Issues related to Credit Union field of membership Issues related to Credit Union Service Organizations (CUSO) Issues related to credit union operations Issues related to National Credit Union Administration examination procedures Issues related to Financial Accounting Standards Board Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to Mark-to-Market accounting Issues related to NCUA's Statute of Limitations Proposal Issues related to credit union indemnification, golden parachutes and other benefits Issues related to data security and cyber security Issues related to NCUAs proposed rule regarding loan participations Issues related to private equity standards Issues related to NCUAs regulation regarding its Regulatory Flexibility Program Issues related to overdraft protection programs and check ordering practices House Financial Services Committee Draft bill entitled the Private Mortgage Market Investment Act, all provisions Issues related to the FDIC's Transaction Account Guarantee Program Issues related to the NCUSIF's Transaction Account Guarantee Program Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the Rural Utility Services proposed loan program for energy efficiency Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to reverse mortgages Issues related to troubled debt restructuring Issues related to NCUA's low income credit union designation Issues related to the oversignt of the Federal Housing Administration Issues related to material loss reports of the National Credit Union Administration Office of Inspector General

Client expense: $1,407,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

See attached Monitored HR 123, to amend the Internal Revenue Code of 1986 to make certain tax relief permanent and to repeal the estate tax. Supported HR 132, the Create Jobs by Expanding the R&D Tax Credit Act of 2011, to increase the credit for research expenses for 2011 and 2012. Supported HR 134 to make permanent the credit for increasing research activities. Supported HR 158, the EXPENSE Act of 2011, repealing certain limitations on the expensing of section 179 property and to allow taxpayers to elect shorter recovery periods for purposes of determining the deduction for depreciation. Monitored S 361, the Seven Point Plan for Growing Jobs Act of 2011 establishing a manufacturer job training program. Monitored HR 426, the Remove Incentives for Producing Ethanol Act of 2011. Monitored HR 609, the American Competitiveness Act of 2011, reducing the corporate income tax rate. Monitored HR 871, amending the Internal Revenue Code of 1986 to make the credit for search activities permanent and to provide an increase in such credit for taxpayers whose gross receipts are predominantly from domestic production activities. Supported HR 966, the Lawsuit Abuse Reduction Act to require judges to impose monetary sanctions against lawyers who file frivolous lawsuits. Supported HR 1259, the Death Tax Repeal Permanency Act of 2011 repealing the estate and generation-skipping transfer taxes. Monitored HR 1265 permanently extending the 15-year recovery period for qualified leasehold improvement property, qualified restaurant property, and qualified retail improvement property. Monitored HR 1313, Community Bank and Automotive Industry Recapitalization Act of 2011, encouraging investment in certain industries by providing an exclusion from tax on certain gains. Supported HR 1366, the National Manufacturing Strategy Act of 2011. Supported HR 1439, the Business Activity Tax Simplification Act of 2011 to regulate certain state taxation of interstate commerce. Monitored S. 1247, the America Recruits Act. Monitored HR 1325, the AMERICA Works Act. Monitored S. 1452/HR 2701, the Main Street Fairness Act, to promote simplification and fairness in the administration and collection of sales and use taxes. Monitored HR 3007, the Give Credit to Main Street Act Supported S. 1606/HR 3010, the Regulatory Accountability Act. Monitored HR 3137, the Small Business Freedom of Commerce Act Monitored HR 3138, the American Innovation in Manufacturing Act Supported HR 3147, the Small Business Lending Extension Act Monitored HR 3179, the Marketplace Equity Act Monitored HR 3646, the Foreign Manufacturers Legal Accountability Act Supported HR 3655, the Small Business Access to Capital Act Monitored S. 1762, the Withholding Tax Relief Act of 2011 Monitored S. 1801, the Small Business Jobs Tax Extenders Act of 2011 Monitored S. 1828, the Increasing Small Business Lending Act of 2011 Monitored S. 1832, the Marketplace Fairness Act. Supported S. 1873, the Bonus Depreciation and Small Business Expense Extension Act Monitored HR 9, the Small Business Tax Cut Act Monitored S. 2237, the Small Business Jobs and Tax Relief Act Monitored HR 3980, the Small Business Opportunity Act Monitored HR 3987, the Small Business Protection Act Monitored HR 3993, the Capital Access for Small Businesses and Jobs Act Monitored HR 4013, the Temporary Payroll Tax Cut Continuation Act Monitored HR 4643, the Small Business Tax Simplification Act Monitored HR 5795, the Rebuilding American Manufacturing Act Monitored HR 5851, the Increasing Small Business Lending Act Monitored HR 5865, the American Manufacturing Competitiveness Act Monitored HR 6037, the Small Business Lending for Jobs Act Monitored HR 6081, the Advanced Innovating Manufacturing Act Monitored HR 6102, the Americas Small Business Tax Relief Act Monitored HR 6109, the Investing in American Innovation Act Monitored HR 6206, the Build America Bonds Act Monitored HR 6279, the Repeal the Death Tax Act Monitored S. 3218, the Small Business Export Growth Act of 2012 Monitored S. 3412, the Middle Class Tax Cut Act Monitored HR 8, the American Taxpayer Relief Act of 2012

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

Government targets: Bureau of Land Management (BLM), Commerce, Dept of (DOC), Defense, Dept of (DOD), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Natl Highway Traffic Safety Administration (NHTSA), SENATE, U.S. Forest Service

Eliminate Privacy Notice Confusion Act (H.R. 5817);Privacy notice disclosures for financial institutions; Housing finance reform; Mortgage lending; Strategic default on mortgage loans; Mortgage bankruptcy cram-down; Federal Home Loan Bank Oversight Issues; Legislation to extend the Transaction Account Guarantee program at community banks and the corresponding program at credit unions for non-interest bearing transaction accounts (S.3637); Non-interest bearing transaction accounts; Credit union member business lending; Small Business Lending Enhancement Act of 2011(H.R. 1418); A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes (S. 2231); Interest on lawyers trust accounts; The credit union tax exemption; The credit union tax exemptions impact on the broader economy; Deficit reduction and efforts to change the corporate tax structure; Defense credit union issues; Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 3993); ATM disclosures; To amend the electronic funds transfer act to limit fee disclosure requirement for an automatic teller machine to the screen of that machine (H.R. 4367); Interchange fees; Data security; Cyber Security Flood insurance; Patent Reform; Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); Defense Base Closure and Realignment Closure Commission; Servicemembers Civil Relief Act; Military Lending Act; Military Family Home Protection Act (H.R. 5747); National Defense Authorization Act for Fiscal Year 2013 (H.R.4310); To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures (H.R.1263); Fairness for Military Homeowners Act of 2012 (H.R.4740); Military Savings Act of 2012 (H.R. 5946); Protecting Servicemembers from Mortgage Abuses Act of 2011 (S.486); Servicemember Housing Protection Act of 2012 (S.3179); Servicemembers' Protection Act of 2012 (S.3322); Military Family Home Protection Act (S. 3323); A bill to amend title 10, United States Code, to provide for relief in civil actions for violations of the protections on credit extended to members of the Armed Forces and their dependents (S.3207); National Defense Authorization Act for Fiscal Year 2013 (S. 3254); Regulatory relief for credit unions; Confidentiality of information shared between financial institutions and the CFPB; Proprietary Information Protection Act of 2012 (H.R. 3871); A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (S. 2099); 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 (S. 3394); A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes (S. 3204); Student loan interest rates; Federal Student Loans; Private student loans; Exam Fairness issues for credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 3461); Financial Institutions Examination Fairness and Reform Act (S. 2160); Small Business Administration loan guarantee and lending programs; Predatory lending and payday-alternative loans; Changes to Regulation Z, implementing the Truth in Lending Act (prompt crediting of payments and payoff statements; rate adjustment notices; initial rate adjustment notice; periodic statement requirement); Changes to Regulation X, implementing the Real Estate Settlement Procedures Act (error resolution and information requests; force placed insurance); CFPBs proposed rule to combine mortgage disclosures required under the Truth in Lending Act and the Real Estate Settlement Procedures Act; Mortgage servicing; Encouraging regulatory compliance with the Small Business Regulatory Enforcement Fairness Act during agency rulemaking; Requirements under Regulation E for dual Automated Teller Machine fee disclosures; Joint rule on appraisals for higher risk mortgage loans; Financial education at credit unions; Loan originator compensation and appraisal forms; Qualified mortgages; Effective dates of mortgage-related rules from the Consumer Financial Protection Bureau; Proposed rule to amend Regulation B, the Equal Credit Opportunity Act with respect to appraisals and valuations; The Consumer Financial Protection Bureaus strategic plan; Regulatory capital requirements and implementation of Basel III; Federal Housing Finance Agency proposal to adjust changes by Fannie Mae and Freddie Mac on mortgage loans for single-family units in five states; Development of Infrastructure for the Secondary Mortgage Market; Housing finance reform; The Federal Housing Administrations and FHA Mutual Mortgage Insurance Fund audit report; Greater transparency for ACH-based person-to-person payments; National Credit Union Administrations 2013 operating budget; Amount of time that a credit union has to accept a designation as low-income; Certain changes to the credit union Profile and the 5300 Call Report; The definition of rural district for purposes of a community charter; Asset threshold for the definition of a small entity status; Treasury Inflation Protected Securities; Small Business Administrations rule to increase small business size standards for credit unions; Federal Housing Finance Agency guarantee fee increases.

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

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Eliminate Privacy Notice Confusion Act (H.R. 5817);Privacy notice disclosures for financial institutions; Housing finance reform; Mortgage lending; Strategic default on mortgage loans; Mortgage bankruptcy cram-down; Federal Home Loan Bank Oversight Issues; Legislation to extend the Transaction Account Guarantee program at community banks and the corresponding program at credit unions for non-interest bearing transaction accounts (S.3637); Non-interest bearing transaction accounts; Credit union member business lending; Small Business Lending Enhancement Act of 2011(H.R. 1418); A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes (S. 2231); Interest on lawyers trust accounts; The credit union tax exemption; The credit union tax exemptions impact on the broader economy; Deficit reduction and efforts to change the corporate tax structure; Defense credit union issues; Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 3993); ATM disclosures; To amend the electronic funds transfer act to limit fee disclosure requirement for an automatic teller machine to the screen of that machine (H.R. 4367); Interchange fees; Data security; Cyber Security Flood insurance; Patent Reform; Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); Defense Base Closure and Realignment Closure Commission; Servicemembers Civil Relief Act; Military Lending Act; Military Family Home Protection Act (H.R. 5747); National Defense Authorization Act for Fiscal Year 2013 (H.R.4310); To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures (H.R.1263); Fairness for Military Homeowners Act of 2012 (H.R.4740); Military Savings Act of 2012 (H.R. 5946); Protecting Servicemembers from Mortgage Abuses Act of 2011 (S.486); Servicemember Housing Protection Act of 2012 (S.3179); Servicemembers' Protection Act of 2012 (S.3322); Military Family Home Protection Act (S. 3323); A bill to amend title 10, United States Code, to provide for relief in civil actions for violations of the protections on credit extended to members of the Armed Forces and their dependents (S.3207); National Defense Authorization Act for Fiscal Year 2013 (S. 3254); Regulatory relief for credit unions; Confidentiality of information shared between financial institutions and the CFPB; Proprietary Information Protection Act of 2012 (H.R. 3871); A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (S. 2099); 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 (S. 3394); A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes (S. 3204); Student loan interest rates; Federal Student Loans; Private student loans; Exam Fairness issues for credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 3461); Financial Institutions Examination Fairness and Reform Act (S. 2160); Small Business Administration loan guarantee and lending programs; Predatory lending and payday-alternative loans; Changes to Regulation Z, implementing the Truth in Lending Act (prompt crediting of payments and payoff statements; rate adjustment notices; initial rate adjustment notice; periodic statement requirement); Changes to Regulation X, implementing the Real Estate Settlement Procedures Act (error resolution and information requests; force placed insurance); CFPBs proposed rule to combine mortgage disclosures required under the Truth in Lending Act and the Real Estate Settlement Procedures Act; Mortgage servicing; Encouraging regulatory compliance with the Small Business Regulatory Enforcement Fairness Act during agency rulemaking; Requirements under Regulation E for dual Automated Teller Machine fee disclosures; Joint rule on appraisals for higher risk mortgage loans; Financial education at credit unions; Loan originator compensation and appraisal forms; Qualified mortgages; Effective dates of mortgage-related rules from the Consumer Financial Protection Bureau; Proposed rule to amend Regulation B, the Equal Credit Opportunity Act with respect to appraisals and valuations; The Consumer Financial Protection Bureaus strategic plan; Regulatory capital requirements and implementation of Basel III; Federal Housing Finance Agency proposal to adjust changes by Fannie Mae and Freddie Mac on mortgage loans for single-family units in five states; Development of Infrastructure for the Secondary Mortgage Market; Housing finance reform; The Federal Housing Administrations and FHA Mutual Mortgage Insurance Fund audit report; Greater transparency for ACH-based person-to-person payments; National Credit Union Administrations 2013 operating budget; Amount of time that a credit union has to accept a designation as low-income; Certain changes to the credit union Profile and the 5300 Call Report; The definition of rural district for purposes of a community charter; Asset threshold for the definition of a small entity status; Treasury Inflation Protected Securities; Small Business Administrations rule to increase small business size standards for credit unions; Federal Housing Finance Agency guarantee fee increases.

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

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

S. 509 and H.R. 1418 - Small Business Lending Enhancement Act of 2011 - entire bill relating to increasing credit union member business lending cap; S. 2231 - A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities - entire bill relating to increasing the credit union member business lending cap; H.R. 3993 - Capital Access for Small Businesses and Jobs Act - entire bill relating to supplemental capital ratios for credit unions; Senate Amendment 3319 to S. 3637, a bill to temporarily extend the transaction account guarantee program - amendment related to increasing the credit union member business lending cap.

Client expense: Not reported · Firm income: $36,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit Union issues; credit union lending to small businesses legislation, S. 509 and H.R. 1418; and, tax reform. HR 3993, a bill to allow credit union supplemental capital; and, HR 4367, legislation to modify ATM on site, not electronic, disclosures to correct frivolous litigation.

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), 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

H.R. 3993 - Capital Access for Small Businesses and Jobs Act - supplemental capital for credit unions

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

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, 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

Cyber Security (S. 2105) (H.R. 3523) Capital Access for Small Businesses and Jobs Act (H.R. 3993) Credit Union Member Business Lending (S. 2231) (H.R. 1418)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

provision of banking and financial services by federal credit unions; Capital Access for Small Businesses and Jobs Act, H.R. 3993.

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

Government targets: HOUSE OF REPRESENTATIVES

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

See attached Monitored HR 123, to amend the Internal Revenue Code of 1986 to make certain tax relief permanent and to repeal the estate tax. Supported HR 132, the Create Jobs by Expanding the R&D Tax Credit Act of 2011, to increase the credit for research expenses for 2011 and 2012. Supported HR 134 to make permanent the credit for increasing research activities. Supported HR 158, the EXPENSE Act of 2011, repealing certain limitations on the expensing of section 179 property and to allow taxpayers to elect shorter recovery periods for purposes of determining the deduction for depreciation. Monitored S 361, the Seven Point Plan for Growing Jobs Act of 2011 establishing a manufacturer job training program. Monitored HR 426, the Remove Incentives for Producing Ethanol Act of 2011. Monitored HR 609, the American Competitiveness Act of 2011, reducing the corporate income tax rate. Monitored HR 871, amending the Internal Revenue Code of 1986 to make the credit for search activities permanent and to provide an increase in such credit for taxpayers whose gross receipts are predominantly from domestic production activities. Supported HR 966, the Lawsuit Abuse Reduction Act to require judges to impose monetary sanctions against lawyers who file frivolous lawsuits. Supported HR 1259, the Death Tax Repeal Permanency Act of 2011 repealing the estate and generation-skipping transfer taxes. Monitored HR 1265 permanently extending the 15-year recovery period for qualified leasehold improvement property, qualified restaurant property, and qualified retail improvement property. Monitored HR 1313, Community Bank and Automotive Industry Recapitalization Act of 2011, encouraging investment in certain industries by providing an exclusion from tax on certain gains. Supported HR 1366, the National Manufacturing Strategy Act of 2011. Supported HR 1439, the Business Activity Tax Simplification Act of 2011 to regulate certain state taxation of interstate commerce. Monitored S. 1247, the America Recruits Act. Monitored HR 1325, the AMERICA Works Act. Monitored S. 1452/HR 2701, the Main Street Fairness Act, to promote simplification and fairness in the administration and collection of sales and use taxes. Monitored HR 3007, the Give Credit to Main Street Act Supported S. 1606/HR 3010, the Regulatory Accountability Act. Monitored HR 3137, the Small Business Freedom of Commerce Act Monitored HR 3138, the American Innovation in Manufacturing Act Supported HR 3147, the Small Business Lending Extension Act Monitored HR 3179, the Marketplace Equity Act Monitored HR 3646, the Foreign Manufacturers Legal Accountability Act Supported HR 3655, the Small Business Access to Capital Act Monitored S. 1762, the Withholding Tax Relief Act of 2011 Monitored S. 1801, the Small Business Jobs Tax Extenders Act of 2011 Monitored S. 1828, the Increasing Small Business Lending Act of 2011 Monitored S. 1832, the Marketplace Fairness Act. Supported S. 1873, the Bonus Depreciation and Small Business Expense Extension Act Monitored HR 9, the Small Business Tax Cut Act Monitored S. 2237, the Small Business Jobs and Tax Relief Act Monitored HR 3980, the Small Business Opportunity Act Monitored HR 3987, the Small Business Protection Act Monitored HR 3993, the Capital Access for Small Businesses and Jobs Act Monitored HR 4013, the Temporary Payroll Tax Cut Continuation Act Monitored HR 4643, the Small Business Tax Simplification Act Monitored HR 5795, the Rebuilding American Manufacturing Act Monitored HR 5851, the Increasing Small Business Lending Act Monitored HR 5865, the American Manufacturing Competitiveness Act Monitored HR 6037, the Small Business Lending for Jobs Act Monitored HR 6081, the Advanced Innovating Manufacturing Act Monitored HR 6102, the Americas Small Business Tax Relief Act Monitored HR 6109, the Investing in American Innovation Act Monitored HR 6206, the Build America Bonds Act Monitored HR 6279, the Repeal the Death Tax Act Monitored S. 3218, the Small Business Export Growth Act of 2012 Monitored S. 3412, the Middle Class Tax Cut Act

Client expense: $60,000 · Firm income: Not reported

Government targets: Bureau of Land Management (BLM), Commerce, Dept of (DOC), Defense, Dept of (DOD), Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Natl Highway Traffic Safety Administration (NHTSA), SENATE, U.S. Forest Service

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

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

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) 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

Credit Union issues; credit union lending to small businesses legislation, S. 509 and H.R. 1418; and, tax reform. HR 3993, a bill to allow credit union supplemental capital; and, HR 4367, legislation to modify ATM on site, not electronic, disclosures to correct frivolous litigation.

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

Qualified Mortgages mortgage loan data the Consumer Financial Protection Bureau (CFPB) received from the Federal Housing Finance Agency (FHFA), and legal protections afforded to lenders under the ability-to-repay rule; Qualified mortgage (QM) definition; Qualified Residential Mortgage (QRM) definition; CFPBs proposed disclosure policy regarding financial products and services; CFPBs advanced notice of proposed rulemaking on (ANPR) on general purpose, reloadable, prepaid cards (GPR cards); CFPBs proposed rules for asserting supervisory authority over nonbank entities; CFPBs request for information (RFI) regarding senior financial exploitation; CFPBs request for information on reverse mortgages; CFPBs proposed changes to the Home Ownership Equity Protection Act; CFPBs proposed changes to the definition of finance charge; The National Credit Union Administrations (NCUAs) 2012 mid-year budget review; NCUAs 2012 regulatory review; NCUAs Federal Credit Union Bylaws; Issues discussed during NCUA listening sessions including: examinations, member business lending, definition of rural district, small and low-income credit unions, investment powers, sources of income for certain credit unions, credit union services organizations and loan participations, short-term small amount loans, and issues related to Allowance for Lean and Loan Losses; NCUA proposed changes to the finance charge in Regulation Z; NCUAs proposed rule requiring federally-insured credit unions to maintain access to emergency liquidity; NCUAs proposed changes to the definition of a troubled condition; FHFAs proposed rule regarding Enterprise Housing Goals for the years 2012-2014; FHFA sought input on use of eminent domain to restructure performing loans; Commodity Futures Trading Commission (CFTC) proposed rule regarding swap clearing exemptions for cooperatives; Financial Accounting Standards Boards (FASB) draft on disclosures about liquidity risk and interest rate risk; The Electronic Payments Association (NACHA) regarding international ACH transactions (IAT) entries; NACHA regarding various compliance and operation topics including proof of authorization for non-consumer debit entries, stop payments, and notifications of change for single entry transactions; Remittance transfers; CFPBs database to disclose credit card complaints the Bureau receives from consumers; CFPBs proposed rule on mortgage loan origination compensation; Joint-agency proposed rule regarding appraisal requirements for higher-risk mortgages; Credit union tax exemption; Unrelated business income tax; Dodd-Frank Wall Street Reform and Consumer Financial Protection Act [P.L. 111-203]; Non-interest bearing transaction accounts; Interest on Lawyers Trust Accounts; ATM fees and the Electronic Funds Transfer Act; 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; Access to supplemental capital for certain credit unions; H.R. 3993 - Capital Access for Small Businesses and Jobs Act; Prompt corrective action (PCA) rules; Regulatory relief for credit unions; Coordination among members of the Financial Stability Oversight Council to facilitate regulatory coordination among member agencies; Cyber security; Data security; H.R. 2577 Secure and Fortify Data Act of 2011; S. 1434 Data Security Act of 2011; H.R. 1151 Personal Data Privacy Act of 2011; S. 1207 Data Security and Breach Notification Act of 2011; S. 1535 Personal Data Protection and Breach Accountability Act of 2011; S. 1408 Data Breach Notification Act of 2011; S. 3414 Cyber Security Act of 2012; S.Amdt. 2641 to S. 3414 (Carper-Blunt); Patent Reform; Mortgage loan disclosure forms; Truth in Lending Act (TILA);The Real Estate Settlement Procedures Act (RESPA); Small Business Regulatory Enforcement Fairness Act; Fannie Mae and Freddie Mac and the future of the Government Sponsored Enterprises; Housing Finance Reform; Small lender access to the Government Sponsored Enterprises; Confidentiality of information shared between financial institutions and the CFPB; H.R. 3871 Proprietary Information Protection Act of 2012; S.2099 - A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection; 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; S.3204 - A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes; Student loan interest rates; Federal Student Loans; Private student loans; Exam Fairness issues for credit unions; H.R. 3461 - Financial Institutions Examination Fairness and Reform Act; S. 2160 - Financial Institutions Examination Fairness and Reform Act; Credit union member business lending; H.R. 1418 - Small Business Lending Enhancement Act of 2011 S. 2231 - A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; Credit card interchange fees; Debit card interchange fees; H.R. 3156 Consumer Debit Card Protection Act; Flood insurance; Strategic defaults on mortgage loans; Mortgage bankruptcy cram-down; Federal Home Loan Bank Oversight Issues; Small Business Administration loan guarantee and lending programs; Service members Civil Relief Act; Base Realignment and Closure Commission; Military Lending Act; Military Family Home Protection Act (H.R. 5747);National Defense Authorization Act for Fiscal Year 2013 (H.R. 4310); To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263); National Defense Authorization Act for Fiscal Year 2012 (H.R. 1540); Fairness for Military Homeowners Act of 2012 (H.R. 4740); Military Savings Act of 2012 (H.R. 5946); Protecting Service members from Mortgage Abuses Act of 2011 (S. 486); Hiring Heroes Act of 2011 (S. 951); National Defense Authorization Act for Fiscal Year 2012 (S. 1253); Department of Defense Authorization Act for Fiscal Year 2012 (S. 1254); National Defense Authorization Act for Fiscal Year 2012 (S. 1867); Service member Housing Protection Act of 2012 (S. 3179); Service members' Protection Act of 2012 (S. 3322); Military Family Home Protection Act (S. 3323); Bill to amend title 10, United States Code, to provide for relief in civil actions for violations of the protections on credit extended to members of the Armed Forces and their dependents (S. 3207); Family and Business Tax Cut Certainty Act (S. 3521).

Client expense: $710,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Qualified Mortgages mortgage loan data the Consumer Financial Protection Bureau (CFPB) received from the Federal Housing Finance Agency (FHFA), and legal protections afforded to lenders under the ability-to-repay rule; Qualified mortgage (QM) definition; Qualified Residential Mortgage (QRM) definition; CFPBs proposed disclosure policy regarding financial products and services; CFPBs advanced notice of proposed rulemaking on (ANPR) on general purpose, reloadable, prepaid cards (GPR cards); CFPBs proposed rules for asserting supervisory authority over nonbank entities; CFPBs request for information (RFI) regarding senior financial exploitation; CFPBs request for information on reverse mortgages; CFPBs proposed changes to the Home Ownership Equity Protection Act; CFPBs proposed changes to the definition of finance charge; The National Credit Union Administrations (NCUAs) 2012 mid-year budget review; NCUAs 2012 regulatory review; NCUAs Federal Credit Union Bylaws; Issues discussed during NCUA listening sessions including: examinations, member business lending, definition of rural district, small and low-income credit unions, investment powers, sources of income for certain credit unions, credit union services organizations and loan participations, short-term small amount loans, and issues related to Allowance for Lean and Loan Losses; NCUA proposed changes to the finance charge in Regulation Z; NCUAs proposed rule requiring federally-insured credit unions to maintain access to emergency liquidity; NCUAs proposed changes to the definition of a troubled condition; FHFAs proposed rule regarding Enterprise Housing Goals for the years 2012-2014; FHFA sought input on use of eminent domain to restructure performing loans; Commodity Futures Trading Commission (CFTC) proposed rule regarding swap clearing exemptions for cooperatives; Financial Accounting Standards Boards (FASB) draft on disclosures about liquidity risk and interest rate risk; The Electronic Payments Association (NACHA) regarding international ACH transactions (IAT) entries; NACHA regarding various compliance and operation topics including proof of authorization for non-consumer debit entries, stop payments, and notifications of change for single entry transactions; Remittance transfers; CFPBs database to disclose credit card complaints the Bureau receives from consumers; CFPBs proposed rule on mortgage loan origination compensation; Joint-agency proposed rule regarding appraisal requirements for higher-risk mortgages; Credit union tax exemption; Unrelated business income tax; Dodd-Frank Wall Street Reform and Consumer Financial Protection Act [P.L. 111-203]; Non-interest bearing transaction accounts; Interest on Lawyers Trust Accounts; ATM fees and the Electronic Funds Transfer Act; 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; Access to supplemental capital for certain credit unions; H.R. 3993 - Capital Access for Small Businesses and Jobs Act; Prompt corrective action (PCA) rules; Regulatory relief for credit unions; Coordination among members of the Financial Stability Oversight Council to facilitate regulatory coordination among member agencies; Cyber security; Data security; H.R. 2577 Secure and Fortify Data Act of 2011; S. 1434 Data Security Act of 2011; H.R. 1151 Personal Data Privacy Act of 2011; S. 1207 Data Security and Breach Notification Act of 2011; S. 1535 Personal Data Protection and Breach Accountability Act of 2011; S. 1408 Data Breach Notification Act of 2011; S. 3414 Cyber Security Act of 2012; S.Amdt. 2641 to S. 3414 (Carper-Blunt); Patent Reform; Mortgage loan disclosure forms; Truth in Lending Act (TILA);The Real Estate Settlement Procedures Act (RESPA); Small Business Regulatory Enforcement Fairness Act; Fannie Mae and Freddie Mac and the future of the Government Sponsored Enterprises; Housing Finance Reform; Small lender access to the Government Sponsored Enterprises; Confidentiality of information shared between financial institutions and the CFPB; H.R. 3871 Proprietary Information Protection Act of 2012; S.2099 - A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection; 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; S.3204 - A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes; Student loan interest rates; Federal Student Loans; Private student loans; Exam Fairness issues for credit unions; H.R. 3461 - Financial Institutions Examination Fairness and Reform Act; S. 2160 - Financial Institutions Examination Fairness and Reform Act; Credit union member business lending; H.R. 1418 - Small Business Lending Enhancement Act of 2011 S. 2231 - A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; Credit card interchange fees; Debit card interchange fees; H.R. 3156 Consumer Debit Card Protection Act; Flood insurance; Strategic defaults on mortgage loans; Mortgage bankruptcy cram-down; Federal Home Loan Bank Oversight Issues; Small Business Administration loan guarantee and lending programs; Service members Civil Relief Act; Base Realignment and Closure Commission; Military Lending Act; Military Family Home Protection Act (H.R. 5747);National Defense Authorization Act for Fiscal Year 2013 (H.R. 4310); To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263); National Defense Authorization Act for Fiscal Year 2012 (H.R. 1540); Fairness for Military Homeowners Act of 2012 (H.R. 4740); Military Savings Act of 2012 (H.R. 5946); Protecting Service members from Mortgage Abuses Act of 2011 (S. 486); Hiring Heroes Act of 2011 (S. 951); National Defense Authorization Act for Fiscal Year 2012 (S. 1253); Department of Defense Authorization Act for Fiscal Year 2012 (S. 1254); National Defense Authorization Act for Fiscal Year 2012 (S. 1867); Service member Housing Protection Act of 2012 (S. 3179); Service members' Protection Act of 2012 (S. 3322); Military Family Home Protection Act (S. 3323); Bill to amend title 10, United States Code, to provide for relief in civil actions for violations of the protections on credit extended to members of the Armed Forces and their dependents (S. 3207); Family and Business Tax Cut Certainty Act (S. 3521).

Client expense: $710,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Please see addendum. H.R. 31-Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act, all provisions H.R. 463, Fannie Mae and Freddie Mac Transparency Act, all provisions H.R. 1081, Consumer Payment System Payments Act, all provisions H.R. 1121-Responsible Consumer Financial Protection Regulations Act of 2011, all provisions H.R. 1174, Internet Gambling Regulation, Consumer Protection, and Enforcement Act. H.R. 1221-Equity in Government Compensation Act of 2011, all provisions H.R. 1222-GSE Subsidy Elimination Act of 2011, all provisions H.R. 1223, GSE Credit Rish Equitable Treatment Act, all provisions H.R. 1224-Portfolio Risk Reduction Act of 2011, all provisions H.R. 1225-GSE Debt Issuance Approval Act of 2011, all provisions H.R. 1226-GSE Mission Improvement Act of 2011, all provisions H.R. 1227-GSE Risk and Activities Limitation Act of 2011, all provisions H.R. 1309-Flood Insurance Reform Act, all provisions H.R. 1315-Consumer Financial Protection Safety and Soundness Improvement Act of 2011, all provisons H.R. 1418-Small Business Lending Enhancement Act, all provisions H.R. 1667, Bureau of Consumer Financial Protection Transfer Clarification Act, all provisions H.R. 1697, Communities First Act, all provisions H.R. 1723, the Common Sense Economic Recovery Act, all provisions H.R. 1754, Preserving Equal Access to Mortgage Finance Programs, all provisions H.R. 1859, Housing Finance Reform Act, all provisions H.R. 1965, to amend the securities laws to establish certain thresholds for shareholders, all provisions H.R. 2413, the Secondary Market Facility or Residential Mortgage Act, all provisions H.R. 2436, Fannie Mae and Freddie Mac Taxpayer Payback Act, all provisions H.R. 2439, Removing GSE Charters During Receivership Act, all provisions H.R. 2462, Cap the GSE Bailout Act, all provisions H.R. 2930, the Entrepreneur Access to Capital Act, all provisions H.R. 3461, the Financial Institution Examination Fairness and Reform Act, all provisions H.R. 3336, the Small Business Credit Availability Act, all provisions H.R. 3606, the Jumpstart Our Business Startups Act, Title VI, provisions related to shareholder threshold for registration H.R. 3630, the Middle Class Tax Relief and Job Creation Act, provisions related to the National Flood Insurance Program and provisions related to mortgage fees and premiums H.R. 3993, Capital Access for Small Business Jobs Act, all provisions H.R. 4014, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, all provisions. H.R. 4217, Mutual Community Bank Competitive Equality Act, all provisions H.R. 4323, the Consumer Mortgage Choice Act, all provisions H.R. 4367, related to ATM fee disclosure requirements, all provisions H.R. 4348, MAP-21 Act, Title II, provisions related to the National Flood Insurance Program and issues related to interchange fee regulation and the study therof by various federal agencies H.R. 5740, National Flood Insurance Program Extension Act, all provisions H.R. 5817, Eliminate Privacy Notice Confusion Act, all provisions H.R. 6125, a bill to amend the Federal Deposit Insurance Act and the Federal Credit Union Act with respect to privilege of information provided to Federal and State agencies, and for other purposes, all provisions S. 170, the Helping Responsible Homeowners Act, all provisions S. 509, Small Business Lending Enhancement Act, all provisions S. 575, Debit Interchange Fee Study Act, all provisions S. 967, the Regulation of Mortgages Servicing Act, all provisions S. 1151, Personal Data Privacy and Security Act, provisions related to entities covered by the Gamm-Leach Blaley Act. S. 1207, the Data Security and Breach Notification Act, all provisions S. 1408, Data Breach Notification Act of 2011, all provisions S. 1434, Data Security Act of 2011, all provisions S. 1535, Personal Data Protection and Breach Accountability Act, all provisions S. 1600, Communities First Act, all provisions S. 1615, Financial Regulatory Responsibility Act, all provisions S. 556, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1549, the American Jobs Act, amendments related to credit union member business lending S. 1660, the American Jobs Act, amendments related to credit union member business lending. S. 1824, the Private Company Flexibility and Growth Act, all provisions S. 1940, an original bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes, all purposes. S. 1941, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1958, a bill to extend the National Flood Insurance Program until May 31, 2012, all provisions S. 2105, Cybersecurity Act of 2012, all provisions S. 2111, the Cyber Crime Protection Security Act, all provisions S. 2160, the Financial Institution Examination Fairness and Reform Act, all provisions S. 2231, Small Business Lending Enhancement Act, all provisions S. 2344, a bill to extend the National Flood Insurance Program until December 31, 2012, all provisions S. 3085, the Responsible Homeowner Refinancing Act, all provisions S. 3204, related to ATM fee disclosure requirements, all provisions S. 3571, a bill to require the Bureau of Consumer Financial Protection to conduct a small business panel on the Qualified Mortgage rule before it can go forward with a rule, all provisions Lucas Amendment to H. R. 1309, related to force placed insurance S. Amdt 267 to S. 495, related to debit interchange fee study, all provisions S. Amdt 242 to S. 495, related to credit union business lending, all provisions S. Amdt 392 to S. 782, related to debit interchange fee regulation, all provisions Implementation of Title VII of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to the definition of "Swap Dealer" and the Swaps End User Exemption. Implementation of Section 1075 of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to debit interchange fee regulation Issues related to the NCUA's proposed rule related to credit union service organizations Issues related to mobile banking and mobile payments Issues related to the vacancy on the National Credit Union Administration Board Issues related to the NCUA Rule on Net Worth and Bargain Purchase Agreements Issues related to the proposed CFPB form on RESPA/TILA Issues related to the Regulation of Regulation Z/Multi-Feature Open-End Lending Issues related to Credit Union field of membership Issues related to Credit Union Service Organizations (CUSO) Issues related to credit union operations Issues related to National Credit Union Administration examination procedures Issues related to Financial Accounting Standards Board Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to Mark-to-Market accounting Issues related to NCUA's Statute of Limitations Proposal Issues related to credit union indemnification, golden parachutes and other benefits Issues related to data security and cyber security Issues related to NCUAs proposed rule regarding loan participations Issues related to private equity standards Issues related to NCUAs regulation regarding its Regulatory Flexibility Program Issues related to overdraft protection programs and check ordering practices House Financial Services Committee Draft bill entitled the Private Mortgage Market Investment Act, all provisions Issues related to the FDIC's Transaction Account Guarantee Program Issues related to the NCUSIF's Transaction Account Guarantee Program Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the Rural Utility Services proposed loan program for energy efficiency Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to reverse mortgages Issues related to troubled debt restructuring Issues related to NCUA's low income credit union designation

Client expense: $1,044,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

S. 509 and H.R. 1418 - Small Business Lending Enhancement Act of 2011 - entire bill relating to credit union member business lending cap; S. 2231 - A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities - entire bill relating to credit union member business lending cap; H.R. 3993 - Capital Access for Small Businesses and Jobs Act - entire bill relating to supplemental capital ratios for credit unions.

Client expense: Not reported · Firm income: $36,000

Government targets: HOUSE OF REPRESENTATIVES, 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 S. 2160) Financial Institutions Examination Fairness Act (To improve the examination of depository institutions) (all sections) (House and Senate) H.R. 4367 (and S. 3204) ATM fee disclosure legislation to eliminate the duplicative disclosure notices on the exterior of ATM machines (House and Senate) Five-year extension of the Transaction Account Guarantee (TAG) program (House and Senate) Interest penalties for violations of reporting requirements regarding the Small Business Lending Fund (SBLF) (House and Senate and Treasury/SBLF) Comment Letter regarding Basel III - Proposed Rulemaking on Minimum Regulatory Capital and the Standardized Approach for Risk-weighted Assets extension of comment period. Federal Reserve Docket No. R-1430; RIN No. 7100-AD87 and Docket No. R-1442; RIN No. 7100-AD87 FDIC RIN 3064-AD95, RIN 3064-AD96 OCC Docket ID OCC-2012-0008 and Docket ID OCC-2012-0009 (Federal Reserve, FDIC, and Treasury/OCC) Comment Letter regarding Basel III - Proposed Rulemaking on Minimum Regulatory Capital and the Standardized Approach for Risk-weighted Assets community bank exemption. Federal Reserve Docket No. R-1430; RIN No. 7100-AD87 and Docket No. R-1442; RIN No. 7100-AD87 FDIC RIN 3064-AD95, RIN 3064-AD96 OCC Docket ID OCC-2012-0008 and Docket ID OCC-2012-0009 (Federal Reserve, FDIC, Treasury/OCC, House and Senate) Comment Letter regarding Basel III - Proposed Rulemaking on Minimum Regulatory Capital and the Standardized Approach for Risk-weighted Assets elimination of certain provisions and community bank exemption. Federal Reserve Docket No. R-1430; RIN No. 7100-AD87 and Docket No. R-1442; RIN No. 7100-AD87 FDIC RIN 3064-AD95, RIN 3064-AD96 OCC Docket ID OCC-2012-0008 and Docket ID OCC-2012-0009 (Federal Reserve, FDIC, Treasury/OCC, House and Senate) Informed House regarding the Consumer Financial Protection Bureau regarding regulatory burden, supervision of non-bank financial service providers, challenges in obtaining credit, tiered regulation, and Small Business Review Panels (House) Informed the Consumer Financial Protection Bureau regarding applicability of rules, positive feedback, consumer responsibility, focus on the largest financial institutions and the shadow financial industry, five year extension of the TAG program, and a Basel III exemption for community banks. (Treasury/CFPB) Informed Consumer Financial Protection Bureau regarding compliance systems and resources available to community banks and the costs community banks incur to become compliant with various regulations. (Treasury/CFPB)

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

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 S. 2160) Financial Institutions Examination Fairness Act (To improve the examination of depository institutions) (all sections) (House and Senate) H.R. 4367 (and S. 3204) ATM fee disclosure legislation to eliminate the duplicative disclosure notices on the exterior of ATM machines (House and Senate) Five-year extension of the Transaction Account Guarantee (TAG) program (House and Senate) Interest penalties for violations of reporting requirements regarding the Small Business Lending Fund (SBLF) (House and Senate and Treasury/SBLF) Comment Letter regarding Basel III - Proposed Rulemaking on Minimum Regulatory Capital and the Standardized Approach for Risk-weighted Assets extension of comment period. Federal Reserve Docket No. R-1430; RIN No. 7100-AD87 and Docket No. R-1442; RIN No. 7100-AD87 FDIC RIN 3064-AD95, RIN 3064-AD96 OCC Docket ID OCC-2012-0008 and Docket ID OCC-2012-0009 (Federal Reserve, FDIC, and Treasury/OCC) Comment Letter regarding Basel III - Proposed Rulemaking on Minimum Regulatory Capital and the Standardized Approach for Risk-weighted Assets community bank exemption. Federal Reserve Docket No. R-1430; RIN No. 7100-AD87 and Docket No. R-1442; RIN No. 7100-AD87 FDIC RIN 3064-AD95, RIN 3064-AD96 OCC Docket ID OCC-2012-0008 and Docket ID OCC-2012-0009 (Federal Reserve, FDIC, Treasury/OCC, House and Senate) Comment Letter regarding Basel III - Proposed Rulemaking on Minimum Regulatory Capital and the Standardized Approach for Risk-weighted Assets elimination of certain provisions and community bank exemption. Federal Reserve Docket No. R-1430; RIN No. 7100-AD87 and Docket No. R-1442; RIN No. 7100-AD87 FDIC RIN 3064-AD95, RIN 3064-AD96 OCC Docket ID OCC-2012-0008 and Docket ID OCC-2012-0009 (Federal Reserve, FDIC, Treasury/OCC, House and Senate) Informed House regarding the Consumer Financial Protection Bureau regarding regulatory burden, supervision of non-bank financial service providers, challenges in obtaining credit, tiered regulation, and Small Business Review Panels (House) Informed the Consumer Financial Protection Bureau regarding applicability of rules, positive feedback, consumer responsibility, focus on the largest financial institutions and the shadow financial industry, five year extension of the TAG program, and a Basel III exemption for community banks. (Treasury/CFPB) Informed Consumer Financial Protection Bureau regarding compliance systems and resources available to community banks and the costs community banks incur to become compliant with various regulations. (Treasury/CFPB)

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

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)

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Interest penalties for violations of reporting requirements regarding the Small Business Lending Fund (SBLF) (House and Senate and Treasury/SBLF) 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)

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

All credit union issues, H.R. 1418, H.R. 3993, S. 509, S. 2231. Credit union tax status, member business lending, supplemental captial, federal home loan bank access H.R. 6015. ATM disclosures H.R. 4367 and S.3204.

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

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), 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

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

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Consumer Financial Protection Bureau international remittance transfers; Consumer Financial Protection Bureau treatment of privileged information; Consumer Financial Protection Bureau consolidating disclosures required under the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA);Consumer Financial Protection Bureau defining larger participants in the financial services market; Consumer Financial Protection Bureau credit card fees and technical concern regarding an example that the CFPB included in the Official Interpretations; Consumer Financial Protection Bureau overdraft protection programs; Consumer Financial Protection Bureau arbitration agreements; Consumer Financial Protection Bureau request for comment on regulatory streamlining; Financial Crimes Enforcement Network requiring credit unions and other institutions to adopt a customer due diligence program; National Credit Union Administration independent authority for credit unions to engage in derivatives; National Credit Union Administration future of the Central Liquidity Facility and plans for and implementation of reform of the Central Liquidity Facility; National Credit Union Administration consequences of the financial situation in Europe; Treasury Department regulatory coordination among members of the Financial Stability Oversight Council; Home Ownership and Equity Protection Act;Mortgage origination and mortgage servicing standards; Escrow accounts;National Credit Union Administrations review of regulations;National Credit Union Administrations Regulatory Flexibility (RegFlex) Program; Electronic Funds Transfer Act and its implementing rule (Regulation E 12 CRF 1005.16);National Credit Union Administrations exam process;Adverse action notices required under Regulation B (Equal Credit Opportunity Act) and Regulation V (Fair Credit Reporting Act);Cost benefit analysis required at federal agencies , impact on small entities;Regulatory Accountability Act of 2011, a bill to modernize the Administrative Procedures Act; Qualified Residential Mortgage (QRM) definition; Bill to repeal an Electronic Funds Transfer Act provision requiring dual signage in disclosing ATM fees (H.R. 4367 / S.3204); Cyber Security;Data security; Secure and Fortify Data (SAFE) Act of 2011 (H.R. 2577); Data Security Act of 2011 (S. 1434); Personal Data Privacy and Security Act of 2011 (S. 1151); Data Security and Breach Notification Act of 2011 (S. 1207); Personal Data Protection and Breach Accountability Act of 2011 (S. 1535); Data Breach Notification Act of 2011 (S. 1408); Patent Reform; The Leahy-Smith America Invents Act (H.R. 1249); America Invents Act (S.23); The Dodd Frank Act (P.L. No. 111-203) as it relates to the credit rating industry; Responsible Consumer Financial Protection Regulations Act of 2011 (S. 737); The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173 - P.L. 111-203);To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 87); The Responsible Consumer Financial Protection Regulations Act of 2011(H.R. 1121); Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (H.R. 1315);Bureau of Consumer Financial Protection Transfer Clarification Act (H.R. 1667); Supplement capital; Capital Access for Small Businesses and Jobs Act (H.R. 3993); To amend the Federal Deposit Insurance Act with respect to information provided to the Consumer Financial Protection Bureau (H.R. 3871 / H.R. 4014 / S. 2099); Government Sponsored Enterprise reform; Small lender access to the government sponsored enterprises;Guarantee fees charged to lenders by the housing Government Sponsored Enterprises; Strategic defaults on mortgage loans;Principal reduction on mortgage loans; Mortgage bankruptcy cram-down;Federal Home Loan Bank Oversight Issues; Flood Insurance; The National Flood Insurance Program; Flood Insurance Reform Act of 2011 (H.R. 1309); An original bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes (S.1940); S.Amdt.2468 to S. 1940 in the nature of a substitute; Map -21 (H.R. 4348 / became law No. 112-141); Student loans; Clarifying existing law with respect to existing law by explicitly allowing lenders to collect premiums for force-placed flood insurance during the 45-day notification period if borrowers let policies lapse; credit union tax exemption; Federal Reserves final rule on the CARD Acts ability to repay requirement; FY 2013 Financial Services Spending bills (H.R.6020 / S.3301);Community Development Financial Institutions fund Appropriations; Community Development Revolving Loan Fund Appropriations; Lending ability of NCUAs Central Liquidity Fund;Regulatory directives stemming from the Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]; Credit union members business lending cap; The Small Business Lending Enhancement Act (H.R. 1418 / S. 509 / S. 2231);The Communities First Act (H.R. 1697);Interchange fees; Debit interchange fees; Debit interchange repeal (H.R. 3156);Consumers Payment System Protection Act (H.R. 1081);Debit Interchange Fee Study Act (S. 575); Financial Institutions Examination Fairness and Reform Act (H.R. 3461/ S. 2160); Small Business Administration loan guarantee and lending programs; Small Business Administration Express program; Small Business Administration Patriot Express program; Restore Main Streets Credit Act (H.R. 4293); Small Business Administration 7(a) program; Small Business Administration 504 program; Credit Union Small Business Lending Act (H.R. 4191); Interest on Lawyers Trust Accounts;Non-Interest Bearing Transaction Accounts; Servicemembers Civil Relief Act; Base Realignment and Closure Commission;Military Lending Act;Military Family Home Protection Act (H.R. 5747);National Defense Authorization Act for Fiscal Year 2013 (H.R. 4310);To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263);National Defense Authorization Act for Fiscal Year 2012 (H.R. 1540); Fairness for Military Homeowners Act of 2012 (H.R. 4740);Military Savings Act of 2012 (H.R. 5946);Protecting Servicemembers from Mortgage Abuses Act of 2011 (S. 486); Hiring Heroes Act of 2011 (S. 951);National Defense Authorization Act for Fiscal Year 2012 (S. 1253);Department of Defense Authorization Act for Fiscal Year 2012 (S. 1254);National Defense Authorization Act for Fiscal Year 2012 (S. 1867);Servicemember Housing Protection Act of 2012 (S. 3179);Servicemembers' Protection Act of 2012 (S. 3322);Military Family Home Protection Act (S. 3323).

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

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Consumer Financial Protection Bureau international remittance transfers; Consumer Financial Protection Bureau treatment of privileged information; Consumer Financial Protection Bureau consolidating disclosures required under the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA);Consumer Financial Protection Bureau defining larger participants in the financial services market; Consumer Financial Protection Bureau credit card fees and technical concern regarding an example that the CFPB included in the Official Interpretations; Consumer Financial Protection Bureau overdraft protection programs; Consumer Financial Protection Bureau arbitration agreements; Consumer Financial Protection Bureau request for comment on regulatory streamlining; Financial Crimes Enforcement Network requiring credit unions and other institutions to adopt a customer due diligence program; National Credit Union Administration independent authority for credit unions to engage in derivatives; National Credit Union Administration future of the Central Liquidity Facility and plans for and implementation of reform of the Central Liquidity Facility; National Credit Union Administration consequences of the financial situation in Europe; Treasury Department regulatory coordination among members of the Financial Stability Oversight Council; Home Ownership and Equity Protection Act;Mortgage origination and mortgage servicing standards; Escrow accounts;National Credit Union Administrations review of regulations;National Credit Union Administrations Regulatory Flexibility (RegFlex) Program; Electronic Funds Transfer Act and its implementing rule (Regulation E 12 CRF 1005.16);National Credit Union Administrations exam process;Adverse action notices required under Regulation B (Equal Credit Opportunity Act) and Regulation V (Fair Credit Reporting Act);Cost benefit analysis required at federal agencies , impact on small entities;Regulatory Accountability Act of 2011, a bill to modernize the Administrative Procedures Act; Qualified Residential Mortgage (QRM) definition; Bill to repeal an Electronic Funds Transfer Act provision requiring dual signage in disclosing ATM fees (H.R. 4367 / S.3204); Cyber Security;Data security; Secure and Fortify Data (SAFE) Act of 2011 (H.R. 2577); Data Security Act of 2011 (S. 1434); Personal Data Privacy and Security Act of 2011 (S. 1151); Data Security and Breach Notification Act of 2011 (S. 1207); Personal Data Protection and Breach Accountability Act of 2011 (S. 1535); Data Breach Notification Act of 2011 (S. 1408); Patent Reform; The Leahy-Smith America Invents Act (H.R. 1249); America Invents Act (S.23); The Dodd Frank Act (P.L. No. 111-203) as it relates to the credit rating industry; Responsible Consumer Financial Protection Regulations Act of 2011 (S. 737); The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173 - P.L. 111-203);To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 87); The Responsible Consumer Financial Protection Regulations Act of 2011(H.R. 1121); Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (H.R. 1315);Bureau of Consumer Financial Protection Transfer Clarification Act (H.R. 1667); Supplement capital; Capital Access for Small Businesses and Jobs Act (H.R. 3993); To amend the Federal Deposit Insurance Act with respect to information provided to the Consumer Financial Protection Bureau (H.R. 3871 / H.R. 4014 / S. 2099); Government Sponsored Enterprise reform; Small lender access to the government sponsored enterprises;Guarantee fees charged to lenders by the housing Government Sponsored Enterprises; Strategic defaults on mortgage loans;Principal reduction on mortgage loans; Mortgage bankruptcy cram-down;Federal Home Loan Bank Oversight Issues; Flood Insurance; The National Flood Insurance Program; Flood Insurance Reform Act of 2011 (H.R. 1309); An original bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes (S.1940); S.Amdt.2468 to S. 1940 in the nature of a substitute; Map -21 (H.R. 4348 / became law No. 112-141); Student loans; Clarifying existing law with respect to existing law by explicitly allowing lenders to collect premiums for force-placed flood insurance during the 45-day notification period if borrowers let policies lapse; credit union tax exemption; Federal Reserves final rule on the CARD Acts ability to repay requirement; FY 2013 Financial Services Spending bills (H.R.6020 / S.3301);Community Development Financial Institutions fund Appropriations; Community Development Revolving Loan Fund Appropriations; Lending ability of NCUAs Central Liquidity Fund;Regulatory directives stemming from the Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]; Credit union members business lending cap; The Small Business Lending Enhancement Act (H.R. 1418 / S. 509 / S. 2231);The Communities First Act (H.R. 1697);Interchange fees; Debit interchange fees; Debit interchange repeal (H.R. 3156);Consumers Payment System Protection Act (H.R. 1081);Debit Interchange Fee Study Act (S. 575); Financial Institutions Examination Fairness and Reform Act (H.R. 3461/ S. 2160); Small Business Administration loan guarantee and lending programs; Small Business Administration Express program; Small Business Administration Patriot Express program; Restore Main Streets Credit Act (H.R. 4293); Small Business Administration 7(a) program; Small Business Administration 504 program; Credit Union Small Business Lending Act (H.R. 4191); Interest on Lawyers Trust Accounts;Non-Interest Bearing Transaction Accounts; Servicemembers Civil Relief Act; Base Realignment and Closure Commission;Military Lending Act;Military Family Home Protection Act (H.R. 5747);National Defense Authorization Act for Fiscal Year 2013 (H.R. 4310);To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263);National Defense Authorization Act for Fiscal Year 2012 (H.R. 1540); Fairness for Military Homeowners Act of 2012 (H.R. 4740);Military Savings Act of 2012 (H.R. 5946);Protecting Servicemembers from Mortgage Abuses Act of 2011 (S. 486); Hiring Heroes Act of 2011 (S. 951);National Defense Authorization Act for Fiscal Year 2012 (S. 1253);Department of Defense Authorization Act for Fiscal Year 2012 (S. 1254);National Defense Authorization Act for Fiscal Year 2012 (S. 1867);Servicemember Housing Protection Act of 2012 (S. 3179);Servicemembers' Protection Act of 2012 (S. 3322);Military Family Home Protection Act (S. 3323).

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

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

S. 509 and H.R. 1418 - Small Business Lending Enhancement Act of 2011 - entire bill relating to credit union member business lending cap; S. 2231 - A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities - entire bill relating to credit union member business lending cap; H.R. 3993 - Capital Access for Small Businesses and Jobs Act - entire bill relating to supplemental capital ratios for credit unions.

Client expense: Not reported · Firm income: $36,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Please see addendum H.R. 31-Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act, all provisions H.R. 463, Fannie Mae and Freddie Mac Transparency Act, all provisions H.R. 1081, Consumer Payment System Payments Act, all provisions H.R. 1121-Responsible Consumer Financial Protection Regulations Act of 2011, all provisions H.R. 1174, Internet Gambling Regulation, Consumer Protection, and Enforcement Act. H.R. 1221-Equity in Government Compensation Act of 2011, all provisions H.R. 1222-GSE Subsidy Elimination Act of 2011, all provisions H.R. 1223, GSE Credit Rish Equitable Treatment Act, all provisions H.R. 1224-Portfolio Risk Reduction Act of 2011, all provisions H.R. 1225-GSE Debt Issuance Approval Act of 2011, all provisions H.R. 1226-GSE Mission Improvement Act of 2011, all provisions H.R. 1227-GSE Risk and Activities Limitation Act of 2011, all provisions H.R. 1309-Flood Insurance Reform Act, all provisions H.R. 1315-Consumer Financial Protection Safety and Soundness Improvement Act of 2011, all provisons H.R. 1418-Small Business Lending Enhancement Act, all provisions H.R. 1667, Bureau of Consumer Financial Protection Transfer Clarification Act, all provisions H.R. 1697, Communities First Act, all provisions H.R. 1723, the Common Sense Economic Recovery Act, all provisions H.R. 1754, Preserving Equal Access to Mortgage Finance Programs, all provisions H.R. 1859, Housing Finance Reform Act, all provisions H.R. 1965, to amend the securities laws to establish certain thresholds for shareholders, all provisions H.R. 2413, the Secondary Market Facility or Residential Mortgage Act, all provisions H.R. 2436, Fannie Mae and Freddie Mac Taxpayer Payback Act, all provisions H.R. 2439, Removing GSE Charters During Receivership Act, all provisions H.R. 2462, Cap the GSE Bailout Act, all provisions H.R. 2930, the Entrepreneur Access to Capital Act, all provisions H.R. 3461, the Financial Institution Examination Fairness and Reform Act, all provisions H.R. 3606, the Jumpstart Our Business Startups Act, Title VI, provisions related to shareholder threshold for registration H.R. 3630, the Middle Class Tax Relief and Job Creation Act, provisions related to the National Flood Insurance Program and provisions related to mortgage fees and premiums H.R. 3993, Capital Access for Small Business Jobs Act, all provisions H.R. 4217, Mutual Community Bank Competitive Equality Act, all provisions S. 170, the Helping Responsible Homeowners Act, all provisions S. 509, Small Business Lending Enhancement Act, all provisions S. 575, Debit Interchange Fee Study Act, all provisions S. 967, the Regulation of Mortgages Servicing Act, all provisions S. 1151, Personal Data Privacy and Security Act, provisions related to entities covered by the Gamm-Leach Blaley Act. S. 1207, the Data Security and Breach Notification Act, all provisions S. 1408, Data Breach Notification Act of 2011, all provisions S. 1434, Data Security Act of 2011, all provisions S. 1535, Personal Data Protection and Breach Accountability Act, all provisions S. 1600, Communities First Act, all provisions S. 1615, Financial Regulatory Responsibility Act, all provisions S. 556, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1549, the American Jobs Act, amendments related to credit union member business lending S. 1660, the American Jobs Act, amendments related to credit union member business lending. S. 1824, the Private Company Flexibility and Growth Act, all provisions S. 1941, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1958, a bill to extend the National Flood Insurance Program until May 31, 2012, all provisions S. 2111, the Cyber Crime Protection Security Act, all provisions S. 2160, the Financial Institution Examination Fairness and Reform Act, all provisions S. 2231, Small Business Lending Enhancement Act, all provisions Lucas Amendment to H. R. 1309, related to force placed insurance S. Amdt 267 to S. 495, related to debit interchange fee study, all provisions S. Amdt 242 to S. 495, related to credit union business lending, all provisions S. Amdt 392 to S. 782, related to debit interchange fee regulation, all provisions Implementation of Title VII of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to the definition of "Swap Dealer" and the Swaps End User Exemption. Implementation of Section 1075 of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to debit interchange fee regulation Issues related to the NCUA's proposed rule related to credit union service organizations Issues related to mobile banking and mobile payments Issues related to the vacancy on the National Credit Union Administration Board Issues related to the NCUA Rule on Net Worth and Bargain Purchase Agreements Issues related to the proposed CFPB form on RESPA/TILA Issues related to the Regulation of Regulation Z/Multi-Feature Open-End Lending Issues related to Credit Union field of membership Issues related to Credit Union Service Organizations (CUSO) Issues related to credit union operations Issues related to National Credit Union Administration examination procedures Issues related to Financial Accounting Standards Board Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to Mark-to-Market accounting Issues related to NCUA's Statute of Limitations Proposal Issues related to credit union indemnification, golden parachutes and other benefits Issues related to data security and cyber security Issues related to NCUAs proposed rule regarding loan participations Issues related to private equity standards Issues related to NCUAs regulation regarding its Regulatory Flexibility Program Issues related to overdraft protection programs and check ordering practices House Financial Services Committee Draft bill entitled the Private Mortgage Market Investment Act, all provisions H.R. 1207, Data Security and Breach Notification Act, all provisions H.R. 3336, the Small Business Credit Availability Act, all provisions H.R. 4323, the Consumer Mortgage Choice Act, all provisions H.R. 4367, related to ATM fee disclosure requirements, all provisions H.R. 4348, MAP-21 Act, Title II, provisions related to the National Flood Insurance Program and issues related to interchange fee regulation and the study therof by various federal agencies H.R. 5740, National Flood Insurance Program Extension Act, all provisions H.R. 5817, Eliminate Privacy Notice Confusion Act, all provisions S. 2105, Cybersecurity Act of 2012, all provisions S. 3085, the Responsible Homeowner Refinancing Act, all provisions S. 3204, related to ATM fee disclosure requirements, all provisions Issues related to the FDIC's Transaction Account Guarantee Program Issues related to the NCUSIF's Transaction Account Guarantee Program

Client expense: $1,171,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

Credit Union issues; credit union lending to small businesses legislation, S. 509 and H.R. 1418; and, tax reform. HR 3993, a bill to allow credit union supplemental capital; and, HR 4367, legislation to modify ATM on site, not electronic, disclosures to correct frivolous litigation.

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

Credit Union issues; credit union lending to small businesses legislation, S. 509 and H.R. 1418; and, tax reform. HR 3993, a bill to allow credit union supplemental capital; and, HR 4367, legislation to modify ATM on site, not electronic, disclosures to correct frivolous litigation.

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE