To provide an exemption for community banks from the application of Basel III capital standards.

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 HR3550 - The New Fair Deal Banking and Housing Stability Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S1217 - Housing Finance and Taxpayer Protection Act of 2013 HR5055 - Partnership to Strengthen Homeownership Act of 2014 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing HR1240 - A bill to extend the low-interest refinancing provisions under the Local Development Business Loan Program of the Small Business Administration S289 - Commercial Real Estate and Economic Development Act of 2013 S968 - Small Business Lending Enhancement Act of 2013 Fees and Points in the QM ATR Rules of Dodd-Frank HR3211 - Mortgage Choice Act of 2013 S949 - Consumer Mortgage Choice Act S1577 - Mortgage Choice Act of 2013 Credit Union Lending HR688 - A bill to amend the Federal Credit Union Act to provide certain credit unions with the authority to make additional member business loans, and for other purposes Conversations with the Treasury Department about Qualified Residential Mortgages (QRM), GSE reform, and housing finance. Discussions with the Department of Housing and Urban Development (HUD) on loan limits, Qualified Residential Mortgages (QRM), the FHA, and mortgage insurance premiums. Conversations with the Consumer Finance Protection Board (CFPB) on Qualified Mortgages (QM), the Real Estate Settlement Procedures Act (RESPA), and the Truth In Lending Act (TILA). Conversations with the Federal Housing Finance Agency (FHFA) about loan limits and housing financing. Discussions with the Federal Deposit Insurance Corporation (FDIC) about Qualified Residential Mortgages (QRM). Discussions with the Office of the Comptroller of the Currency (OCC) about Qualified Residential Mortgages (QRM). Discussions with the Securities and Exchange Commission about Qualified Residential Mortgages (QRM). Conversations with the White House National Economic Council regarding housing finance. Discussions with the Small Business Administration (SBA) Office of Advocacy regarding crowdfunding.

Client expense: $16,480,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, Veterans Affairs, Dept of (VA)

Federal Regulatory Activity OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule, IRS Regulation 67(e) Federal Legislative Activity Cybersecurity legislation: (H.R. 86, H.R.394, H.R.624, H.R.866, S.21); Credit Union Business Lending (H.R.588, S.968); Regulatory Reform (S.450, H.R. 719, H.R.1750, H.R. 1553); mortgage foreclosure legislation (H.R.736, S.249); Privacy: H.R. 749; Basel and Capital requirements: (H.R. 1221, H.R. 1341, S.731, S.798); GSE Reform (S.563, S.1217); Community banks: (H.R. 1603. H.R. 1693); derivatives: (H.R.992, H.R. 634, H.R. 1256); Flood insurance: (H.R.3547, S.1846); TRIA (S.2244, H.R.4871)

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

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 HR3550 - The New Fair Deal Banking and Housing Stability Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S1217 - Housing Finance and Taxpayer Protection Act of 2013 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing HR1240 - A bill to extend the low-interest refinancing provisions under the Local Development Business Loan Program of the Small Business Administration S289 - Commercial Real Estate and Economic Development Act of 2013 S968 - Small Business Lending Enhancement Act of 2013 Fees and Points in the QM ATR Rules of Dodd-Frank HR3211 - Mortgage Choice Act of 2013 S949 - Consumer Mortgage Choice Act S1577 - Mortgage Choice Act of 2013 Credit Union Lending HR688 - A bill to amend the Federal Credit Union Act to provide certain credit unions with the authority to make additional member business loans, and for other purposes Conversations with the Treasury Department about Qualified Residential Mortgages (QRM) and the Home Affordable Modification Program (HAMP). Discussions with the Department of Housing and Urban Development (HUD) on loan limits, Qualified Residential Mortgages (QRM), condominiums, the FHA premium structure, and FHA loan limits. Conversations with the Consumer Finance Protection Board (CFPB) on the 3% cap, Qualified Residential Mortgages (QRM), Qualified Mortgages (QM), loan servicing, the "Know Before You Owe" program, and the Real Estate Settlement Procedures Act (RESPA). Conversations with the Federal Housing Finance Agency (FHFA) about loan limits and Government Sponsored Enterprises (GSE) refrom. Discussions with the Federal Deposit Insurance Corporation (FDIC) about Qualified Residential Mortgages (QRM). Discussions with the Office of the Comptroller of the Currency (OCC) about Qualified Residential Mortgages (QRM). Discussions with the Securities and Exchange Commission about Qualified Residential Mortgages (QRM). Conversations with the White House National Economic Council regarding housing finance.

Federal Legislative Activity Cybersecurity legislation: (H.R. 86, H.R.394, H.R.624, H.R.866, S.21); Credit Union Business Lending (H.R.588, S.968); Regulatory Reform (S.450, H.R. 719, H.R.1750, H.R. 1553); mortgage foreclosure legislation (H.R.736, S.249); Privacy: H.R. 749; Basel and Capital requirements: (H.R. 1221, H.R. 1341, S.731, S.798); GSE Reform (S.563, S.1217); Community banks: (H.R. 1603. H.R. 1693); derivatives: (H.R.992, H.R. 634, H.R. 1256); Flood insurance: (H.R.3547, S.1846) Federal Regulatory Activity OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule.

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

Federal Legislative Activity Cybersecurity legislation: (H.R. 86, H.R.394, H.R.624, H.R.866, S.21); Credit Union Business Lending (H.R.588, S.968); Regulatory Reform (S.450, H.R. 719, H.R.1750, H.R. 1553); mortgage foreclosure legislation (H.R.736, S.249); Privacy: H.R. 749; Basel and Capital requirements: (H.R. 1221, H.R. 1341, S.731, S.798); GSE Reform (S.563, S.1217); Community banks: (H.R. 1603. H.R. 1693); derivatives: (H.R.992, H.R. 634, H.R. 1256); Flood insurance: (H.R.3547, S.1846) Federal Regulatory Activity OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule.

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

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 HR3550 - The New Fair Deal Banking and Housing Stability Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S1217 - Housing Finance and Taxpayer Protection Act of 2013 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing HR1240 - A bill to extend the low-interest refinancing provisions under the Local Development Business Loan Program of the Small Business Administration S289 - Commercial Real Estate and Economic Development Act of 2013 S968 - Small Business Lending Enhancement Act of 2013 Fees and Points in the QM ATR Rules of Dodd-Frank HR3211 - Mortgage Choice Act of 2013 S949 - Consumer Mortgage Choice Act S1577 - Mortgage Choice Act of 2013 Credit Union Lending HR688 - A bill to amend the Federal Credit Union Act to provide certain credit unions with the authority to make additional member business loans, and for other purposes Conversations with the Treasury Department about housing finance, Qualified Mortgages (QM), Qualified Residential Mortgages (QRM), Qualified Commercial Real Estate (QCRE), and Basel III. Discussions with the Department of Housing and Urban Development (HUD) on mortgages, REOs, loan limits, short sales, dual agency, and FHA loan limits. Conversations with the Consumer Finance Protection Board (CFPB) on servicing mortgage financing, the 3% cap, Qualified Residential Mortgages (QRM), and the Real Estate Settlement Procedures Act (RESPA). Conversations with the Federal Housing Finance Agency (FHFA) about housing finance, mortgage servicing, and loan limits. Discussions with the Federal Deposit Insurance Corporation (FDIC) about Qualified Mortgages (QM), Qualified Residential Mortgages (QRM), Qualified Commercial Real Estate (QCRE), and Basel III. Discussions with the Federal Reserve about Qualified Mortgages (QM), Qualified Residential Mortgages (QRM), Qualified Commercial Real Estate (QCRE), and Basel III. Discussions with the Office of the Comptroller of the Currency (OCC) about Qualified Residential Mortgages (QRM). Discussions with the Securities and Exchange Commission about Qualified Residential Mortgages (QRM) and Lease Accounting. Conversations with the White House National Economic Council regarding the economic value of homeownership.

Federal Legislative Activity: Cybersecurity legislation: (H.R. 86, H.R.394, H.R.624, H.R.866, S.21); Credit Union Business Lending (H.R.588, S.968); Regulatory Reform (S.450, H.R. 719, H.R.1750, H.R. 1553); mortgage foreclosure legislation (H.R.736, S.249); Privacy: H.R. 749; Basel and Capital requirements: (H.R. 1221, H.R. 1341, S.731, S.798); GSE Reform (S.563, S.1217); [continued on next page]16. Legislative Activity (continued): Community banks: (H.R. 1603. H.R. 1693); derivatives: (H.R.992, H.R. 634, H.R. 1256); Flood insurance: (H.R.3547, S.1846). Federal Regulatory Activity: OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule, FHFA mortgage loan seller representation and warranties requirements. 17. (continued) Consumer Finance Protection Board (CFPB).

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

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S949 - Consumer Mortgage Choice Act S1217 - Housing Finance and Taxpayer Protection Act of 2013 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing S289 - Commercial Real Estate and Economic Development Act of 2013 Conversations with the Treasury Department about GSE reform, Dodd-Frank regulations, Qualified Mortgages (QM), and Qualified Residential Mortgages (QRM). Discussions with the Department of Housing and Urban Development (HUD) on Qualified Residential Mortgages (QRM), Condominiums, the Federal Housing Administration, and dual agency on short sales. Discussions with the Consumer Financial Protection Bureau (CFPB) on Qualified Mortgages (QM), Servicing Rules, Dodd-Frank regulations, the 3% Cap, and the Real Estate Settlement Procedures Act (RESPA). Conversations with the Federal Housing Finance Agency (FHFA) about GSEs, short sales, Eminent Domain, GSE Reform, and Loan Limits. Discussions with the Small Business Administration (SBA) regarding SBA Lending issues. Conversations with the Federal Reserve regarding Basel III. Discussions with the White House National Economic Council regarding GSE Reform.

Client expense: $8,240,000 · Firm income: Not reported

Federal Legislative Activity: Cybersecurity legislation: (H.R. 86, H.R. 394, H.R.624, H.R. 866, S.21); Credit Union Business Lending (H.R.588,S.968); Regulatory Reform (S.450, H.R. 719, H.R. 1750, H.R. 1553); mortgage foreclosure legislation (H.R.736, S.249); Privacy: H.R.749; Basel and Capital requirements: (H.R.1221, H.R.1341, S.731, S.798); GSE Reform (S.563, S.1217); [continued on next page]16. Legislative Activity (continued): Community banks: (H.R.1603, H.R.1693); derivatives: (H.R.992, H.R.634, H.R.1256). Federal Regulatory Activity: OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule; GSE repurchases. 17. (continued) Consumer Finance Protection Board (CFPB).

Client expense: $45,000 · Firm income: Not reported

Issues around Basel III, including HR 1221, HR 2295, S 737, S731, HR 1693 and HR 2547; issues around bank capital rules and systemic risk, including S 798; issues around mortgage lending, including HR 1077; issues related to prepaid cards, deposit advance produces, mobile payments, small business lending and export financing.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S949 - Consumer Mortgage Choice Act S1217 - Housing Finance and Taxpayer Protection Act of 2013 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing S289 - Commercial Real Estate and Economic Development Act of 2013 Conversations with the Treasury Department about GSE reform, Basel III, and Dodd-Frank regulations. Discussions with the Department of Housing and Urban Development (HUD) on Qualified Mortgages (QM), Qualified Residential Mortgages (QRM), Condominiums, REOs, short sales, and the Federal Housing Administration. Discussions with the Consumer Financial Protection Bureau (CFPB) on Qualified Mortgages (QM), QM Servicing, Dodd-Frank regulations, and Ability to Repay (ATR). Conversations with the FDIC about QRM. Conversations with the Federal Housing Finance Agency (FHFA) about GSEs, short sales. Discussions with the Small Business Administration (SBA) regarding the Commercial Refinance Program. Conversations with the Federal Reserve regarding Basel III and Dodd-Frank. Conversations with the Securities and Exchange Commission (SEC) regarding lease accounting. Discussions with the White House National Economic Council regarding the FHFA director nomination.

Client expense: $9,140,000 · Firm income: Not reported

HR 1221 / S. 737, Basel III Impact Study Act (all provisions). HR 2295 / S. 731, Basel III Commonsense Approach for Small Entities Act (all provisions). HR 1077, Consumer Mortgage Choice Act (all provisions). S. 731, Basel III Commonsense Approach for Small Entities Act (all provisions).HR 1693, to provide an exemption for community banks from the application of Basel III capital standards (all provisions). HR 2547, Determination of Appropriate Risk-Based Capital Requirements for Community Financial Institutions Act of 2013 (all provisions). Basel III, issues related to a quantitative impact study (QIS), capital standards, regulatory activity, rule making and implementation, risk weighting, capital and standardized approach, lending (home equity, mortgages and commercial lending), and risk management (no specific bill). HR 1750, Community Lending Enhancement and Regulatory Relief Act of 2013 (all provisions). HR 1135, Burdensome Data Collection Relief Act (all provisions). S. 798, Terminating Bailouts for Taxpayer Fairness Act of 2013 (all provisions). Issues related to the Systemic Risk Designation Improvement Act of 2013, draft House measure (all provisions). Issues related to Too Big To Fail (TBTF), systemically important financial institution (SIFI), and regulatory relief (no specific bill). Issues related to deposit advance products and use, mobile payments and non-banking entities providing banking products (no specific bill). Issues related to housing and lending, mortgage lending, qualified mortgages, qualified residential mortgages, small business lending, student loans and auto lending (no specific bill). S. 1241, Bipartisan Student Loan Certainty Act (all provisions). S. 1266, Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 (all provisions). Issues related to government sponsored enterprise and housing reforms (no specific bill). S. 1217, Housing Finance Reform and Taxpayer Protection Act (all provisions). Issues related to bank, card fees and rate caps (no specific bill). Issues related to credit card interchange and debit card interchange (Senator Durbin amendment, electronic debit card transactions) (no specific bill). Issues related to the administration's budget, Troubled Asset Relief Program (TARP), and financial crisis responsibility fee/bank tax (no specific bill). HR 4173 (111th Congress, P.L. 111-203): Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act); regulatory implementation discussions covering rules and regulations, including discussions with the Consumer Financial Protection Bureau (for which there is no CFPB listing on Line 17 available), on structure, regulatory implementation, oversight, process, enforcement and compliant handling. General discussions covering the Dodd-Frank Act and provisions (Act repeal, amending and technical fixes), Volcker rule, Financial Stability Oversight Council, Office of Financial Research, systemically important financial institutions designations, prudential regulations, mortgage regulations (qualified mortgages, qualified residential mortgages), corporate governance, enhanced prudential standards (165/166), stress testing, capital planning, living will, remittance, 716, push-out, Title VII (swaps/derivatives), Title II, section 1071, overdraft, pre-paid cards, examinations and other banking and financial services related provisions. HR 624, Cyber Intelligence Sharing and Protection Act (all provisions). Issues related to the National Cybersecurity and Critical Infrastructure Protection Act of 2013, draft House legislation (all provisions). Issues related to cybersecurity and privacy, and general discussions covering legislative proposals and executive order implementation (no specific bill). Issues related to general banking matters and discussions - legislative and regulatory (general discussion related to the confirmation process for departments and agencies with banking oversight) (no specific bill). HR 742, Swaps Data Repository and Clearinghouse Indemnification Correction Act of 2013 (all provisions). HR 1256, Swap Jurisdiction Certainty Act (all provisions). HR 992, Swaps Regulatory Improvement Act (all provisions). HR 634, Business Risk Mitigation and Price Stabilization Act of 2013 (all provisions). HR 677, Inter-Affiliate Swap Clarification Act (all provisions). HR 701, to amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action (all provisions). HR 1341, Financial Competitive Act of 2013 (all provisions). HR 1062, SEC Regulatory Accountability Act (all provisions). HR 801, Holding Company Registration Threshold Equalization Act of 2013 (all provisions). Issues related to Export Import Bank (no specific bill).

Federal Legislative Activity: Cybersecurity legislation: (H.R. 86, H.R. 394, H.R624, S.21); Credit Union Business Lending (H.R.588, S.968); Regulatory Reform (S.450, H.R.719,H.R.1750,H.R.1553); mortgage foreclosure legislation (H.R.736, S.249); Privacy: H.R.749; Basel and Capital cont.16. Legislative Activity (continued): Requirements: (H.R.1221, H.R.1341, S.731, S.798); GSE Reform (S.563,S.1217); Community banks; (H.R.1603, H.R.1693); derivatives: (H.R.992, H.R.634, H.R.1256). Federal Regulatory Activity: OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule. 17. (continued) Consumer Finance Protection Board (CFPB).

Client expense: $65,000 · Firm income: Not reported