Flood Insurance Implementation Reform Act of 2013

HR 688 Credit Union Small Business Job Creation Act of 2013 HR 719 Capital Access for Small Businesses and Jobs Act HR 749 Eliminate Privacy Notice Confusion Act HR 797 Municipal Adviser Oversight Improvement Act of 2013HR 801 The Holding Company Restriction Threshold Equalization Act HR 892 The S Corporation Modernization Act HR 1062 SEC Regulatory Accountability Act HR 1603 The Mutual Community Bank Competitive Equality Act HR 1750 The Community Lending Enhancement and Regulatory Relief Act HR 2199 Flood Insurance HR 2266 The Subsidy Reserve Act (All provisions) HR 2402 The Consumer Financial Protection Commission Act HR 2446 The Responsible Consumer Financial Protection Regulations Act HR 2542 The Regulatory Flexibility Improvements Act of 2013 HR 2672 The CFPB Rural Designation Petition and Correction Act HR 2673 The Portfolio Lending and Mortgage Access Act of 2013 HR 3193 The Consumer Financial Protection Safety and Soundness Improvement Act HR 3329 To Enhance the Ability of Community Financial Institutions to Foster Economic Growth HR 3389 CFPB Slush Fund Elimination Act of 2013 HR 3474 Expiring Provisions Improvement Act HR 4042 Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 HR 4167 Restoring Proven Financing for American Employers Act HR 4252 Mutual Bank Choice and Continuity Act of 2014 HR 4383 Bureau of Consumer Financial Protection Small Business Advisory Board Act (All provisions) HR 4466 Financial Regulatory Clarity Act HR 4521 Community Institution Mortgage Relief Act HR4662 The Bureau Advisory Opinion Act HR 4986 End Operation Choke Point Act of 2014 HR 5148 Access to Affordable Mortgages Act of 2014 HR 5405 Promoting Job Creation and Reducing Small Business Burdens Act of 2014 HR 5461 Dodd Frank Reforms S 635 Privacy Notice Modernization Act S 727 The Financial Institutions Examination Fairness and Reform Act S 1217 Housing Finance Reform and Taxpayer Protection Act S 1349 The Community Lending Enhancement and Regulatory Relief Act S 1916 HELP Rural Communities Act of 2014 S 1927 Data Secuity Act of 2014 S 2244 Amendment 3550 to the Terrorism Risk Insurance Program Reauthoriation Act of 2014 S 2252 Community Bank Preservation Act S 2588 Cybersecurity Information Sharing Act of 2014 S 2732 The CFPB Examination and Reporting Threshhold Act of 2014 Access to Capital for Community Banks Call Report Changes Capital Requirements/Regulations/Basel III Rules CFPB eRegulations Tool CFPB Reforms Credit Union Business Lending Powers Credit Union Tax Exemption Cybersecurity Data Security and Breaches DeNovo Bank Applications Department of Justice Operation Chokepoint Federal Reserve Vacancy Flood Insurance Reform Implementation of Bigger-Waters Act Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Housing Government Sponsored EnterprisesMortgage Escrow Requirements Mortgage Lending Reform Mortgage Loan Origination Standards Mortgage Servicing Standards National Flood Insurance Program Patent Litigation Reform Patent Trolling/Demand Letters Qualified Mortgages, Ability to Repay Rules Qualified Residential Mortgages/Risk Retention Regulation Z Establishment of Escrow - Higher Priced Loans Regulatory and Tax Relief for Community Banks TILA/RESPA Final Rule Implementation Virtual Currency - CFPB

Client expense: $880,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA)

AD&C Lending, flood insurance, affordable housing reform, FHA reform, GSE reform, Section 8 Voucher Reform, H.R. 858: Rural Housing Preservation Act of 2013, H.R. 1145: FHA Emergency Fiscal Solvency Act of 2013, H.R.1255: Home Construction Lending Regulatory Improvement Act of 2013, S. 1002: Home Building Lending Improvement Act of 2013, H.R. 2767: Protecting American Taxpayers and Homeowners Act of 2013, S. 1217: Housing Finance Reform and Taxpayer Protection Act of 2013, S. 766:A bill to amend Section 520 of the Housing Act of 1949, Farm Bill, H.R. 1947: Federal Agriculture Reform and Risk Management Act of 2013, H.R. 2642: Federal Agriculture Reform and Risk Management Act of 2013, S. 954: Agriculture Reform, Food and Jobs Act of 2013, S. 1610: Homeowner Flood Insurance Affordability Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3370: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3013: Home Protection Act of 2013, H.R. 2199: Flood Insurance Implementation Reform Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, S. 1926: A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes, S. 2244: Terrorism Risk Insurance Program Reauthorization Act of 2014.

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

Natural Disaster Policy HR152 - Disaster Relief Appropriations Act of 2013 HR240 - Homeowners Insurance Protection Act of 2013 HR960 - Flood Victim Premium Relief Act of 2013Natural Disaster Policy (cont'd) HR1101 - Homeowners and Taxpayers Protection Act of 2013 HR1267 - Flood Insurance Premium Relief Act of 2013 HR1485 - A bill to amend the National Flood Insurance Act of 1968 to modify the phase-in increases in flood insurance premium rates for certain properties, and for other purposes HR2199 - York River Wild and Scenic River Study Act of 2013 HR2217 - Fiscal 2014 Homeland Security Appropriations HR3298 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster HR3989 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster and to repair or replace property damaged or destroyed in a disaster. HR3370 - Homeowner Flood Insurance Affordability Act of 2013 HR3547 - Fiscal 2014 Omnibus Appropriations Act HR3693 - Flood Insurance Relief and Transparency Act of 2013 S601 - Water Resources Development Act of 2013 S954 - FARM Bill S996 - A bill to improve the National Flood Insurance Program, and for other purposes S1610 - Homeowner Flood Insurance Affordability Act of 2013 S1846 - Homeowner Flood Insurance Affordability Bill S1926 - Homeowner Flood Insurace Affordability Bill S1991 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster and to repair or replace property damaged or destroyed in a disaster. Terrorism Risk Insurance HR508 - Terrorism Risk Insurace Act of 2002 (TRIA) Reauthorization Act of 2013 HR1945 - Fostering Resilience to Terrorism Act of 2013 HR2146 - Terrorism Risk Insurance Program Reauthorization Act of 2013 HR4871- TRIA Reform Act of 2014 S2244 - Terrorism Risk Insurance Program Reauthorization Act of 2014 Discussions with the Federal Emergency Management Agency (FEMA) within the Department of Homeland Security (DHS) on flood insurance and the National Flood Insurance Program.

Issues related to financial services regulatory reform, specifically as it applies to insurance regulation. Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111-203). Issues related to the Federal Insurance Office and the systemic risk designation process. Legislation to update and reform the National Flood Insurance Program. Terrorism risk insurance. H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013.H.R. 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013. H.R. 41, To temporarily increase the borrowing authority of FEMA to fund flood insurance. H.R. 240, Homeowners Insurance Protection Act of 2013. H.R. 960, Flood Victim Premium Relief Act of 2013. H.R. 1035, To require a study of voluntary community-based flood insurance options and how options could be incorporated into program. H.R. 1194, National Flood Insurance Program Termination Act of 2013. H.R. 1267, Flood Insurance Premium Relief Act of 2013. H.R. 1485, To amend the national Flood Insurance Act to modify phase-in increases in premium rates. H.R. 2199, Flood Insurance Implementation Reform Act of 2013. H.R. 3013, Home Protection Act of 2013. H.R. 3156, Responsible Implementation of Flood Insurance Reform Act of 2013. H.R. 3218, Flood Insurance Fairness Act of 2013. H.R. 3313, Homeowners Flood Insurance Relief Act of 2013. H.R. 3370, Homeowner Flood Insurance Affordability Act of 2013. H.R. 3380, To delay increases in premium rates until FEMA completes a review of flood insurance rate maps and Army Crops reviews and certifies. H.R. 3511, Keeping Flood Insurance Affordable Act of 2013. H.R. 3693, Flood Insurance Relief and Transparency Act of 2013. H.R. 3815, To repeal the Biggert-Waters Flood Insurance Reform Act of 2012. S. 996, a bill to improve the National Flood Insurance Program. S. 1075, Saving Homeowners from Onerous Rate Escalations Act of 2013. S. 1098, Responsible Implementation of flood insurance reform act of 2013. S. 1560, Deficit Neutral Disaster Relief Act. S. 1610, Homeowner Flood Insurance Affordability Act of 2013. S. 1926, A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. S. 2244, Terrorism Risk Insurance Program Reauthorization Act of 2014. H.R. 4871, TRIA Reform Act of 2014.

Insurance Regulatory Reform-Implementation of the "Dodd Frank Wall Street Reform & Consumer Protection Act" (Regulations) "Dodd Frank Wall Street Reform & Consumer Protection Act" - overhauls regulation of federal markets(not yet in legislative form) 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-changes effective dates and studies Title VII of Dodd-Frank Act(not yet in legislPub L 111-203- Dodd-Frank Wall Street Reform and Consumer Protection Act - To exempt inter-affiliate swaps from certain regulatory requirements HR 41 - A bill to increase the borrowing authority for the "NFIP" HR 982 - FACT Act - "Furthering Asbestos Claim Transparency (FACT) Act of 2013" - "Amends title 11 of the US code to require the public disclosure by trusts established under section 524(g) of such title, of quarterly reports that contain detailed information regarding receipt and disposition of claims for injuries based on exposure to asbestos and for other purposes HR 508 - Terrorism Risk Insurance Act (TRIA) - requires commercial insurers to provide terrorism risk coverage, reauthorizes the program for 5 years Disaster mitigation proposals (not in bill form) HR 1309 - "Flood Insurance reform Act of 2011" - reauthorizes and reforms National Flood Insurance Program HR 1064 / S 534 - NARAB II - National Association of Registered Agents and Brokers Reform Act of 2011-A bill to reform the National Association of Registered Agents and Brokers and for other purposes (NARAB II), would establish a federal licensing clearinghouse for insurance agents who operate in multiple states USPS 5 day delivery and postal reform proposals (not in bill form) HR 4348 - "MAP-21/Transportation and NFIP Conference Report" - reauthorizes federal transportation and safety programs and reforms and reauthorizes the NFIP fo 5 years HR 1945- "Fostering Resilience to Terrorism Act of 2013"-to extend the Terrorism Risk Insurance program of the Department of Treasury for 10 years, and for other purposes. Program expires on December 31, 2014 HR 2146-"Terrorism Risk Insurance Program Reauthorization Act of 2013" to extend the Terrorism Risk program of the Department of the Treasury for 10 years. Extends the Program through December 31, 2024 S 996-Strengthen, Modernize and Reform the National Flood Insurance Program(SMART NFIP) Act-"A bill to improve the National Flood Insurance Program and for other purposes" HR 1035-"To require a study of voluntary community based flood insurance options and how such options could be incorporated into the national flood insurance program, and for other purposes" Directs the Administer of FEMA to study and report to Congress on options, methods, and strategies HR 2199-"The Flood Insurance Implementation Reform Act of 2013"-to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012. Bill would delay the premium increase by 3 years after the enactment of the bill S 1075-"The Saving Homeowners from Onerous Rate Escalations of 2013 SHORE Act of 2013"-a bill to extend the phase-in of actuarial rates for flood insurance for certain properties under Biggert-Waters Flood Insurance Reform Act of 2102-would help homeowners avoid steep increases in premiums H AMDt. 121 to HR 2217-An amendment to prohibit the use of funds to implement, carry out, administer, or enforce section 1308 (h) of the NFIA of 1968 (42 U.S.C. 4015(h)). An amendment to the Department of Homeland Security Appropriations Act, 2014. Delays the premium increase for one year HR 2140 "Insurance Capital and Accounting Standards Act of 2013"- a bill to permit insurance companies that are depositoryholding companies, or are subsidaries of depository holding companies, to comply with the accounting and capital requirements applicable to the insurance company under State law, and for other purposes S 1369 A bill to provide flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes HR 1194 - ""National Flood Insurance Program Termination Act of 2013"- to terminate the National Flood Insurance Program and related mandatory purchase and compliance requirements S 601- "Water Resources Development Act of 2013"-to provide for the conservation and development of water and related resources, to authorize the Secretary of the Army to construct various projects for improvements to rivers and harbors of the United States, and for other purposes HR 3380-"A bill to delay NFIP Rate Increases until FEMA Maps are Updated"-would delay the flood insurance rate increases mandated in the 2012 Biggert-Waters Act HR 3013-"Home Protection Act of 2013"-A bill to reform the NFIP, and for other purposes HR 3156/S.1098-"Responsible Implementation of Flood Insurance Reform Act of 2013"- would reform the Biggert-Waters Flood Insurance Act of 2012 to responsibly protect home ownership HR 3218-A bill to delay increases in flood insurance premium rates under the NFIP until completion of the pending study for the affordability of rates, and for congressional consideration of reforms to make such rates affordable HR 3312-"Homeowners Flood Insurance Relief Act of 2013"-would require the administrator of FEMA to allow monthly installment payments for flood insurance under the NFIP Act of 1968 HR 3370/S.1610-"Homeowner Flood Insurance Affordability Act of 2013"-would delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes HR 3696 "National Cybersecurity and Critical Infrastructure Protection Act of 2013" Amends the Homeland Security Act of 2002 S 1846 - Homeowner Flood Insurance Affordability Act of 2013 S 1926 - A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 HR 4871-TRIA Reform Act of 2014-to reauthorize the Terrorism Risk Insurance Act of 2002 for 5 years and for other purposes S 2244-Terrorism Risk Insurance Program Reauthorization Act of 2014-Amends TRIA 2002 to extend the Terrorism Insurance Program through December 31, 2021 HR 4510/S 2270 - Insurance Capital Standards Clarification Act of 2014 - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act concerning establishment of minimum leverage and minimum risk-based capital requirements on a consolidated basis for a depository institution holding company or a nonbank financial company supervised by the Board of Governors of the Federal Reserve HR 4558 - Flood Insurance Market Parity and Modernization Act of 2014 - to clarify the authority of States to regulate private flood insurance coverage

HR 688 Credit Union Small Business Job Creation Act of 2013 HR 719 Capital Access for Small Businesses and Jobs Act HR 749 Eliminate Privacy Notice Confusion Act HR 797 Municipal Adviser Oversight Improvement Act of 2013HR 801 The Holding Company Restriction Threshold Equalization Act HR 892 The S Corporation Modernization Act HR 1062 SEC Regulatory Accountability Act HR 1603 The Mutual Community Bank Competitive Equality Act HR 1750 The Community Lending Enhancement and Regulatory Relief Act HR 2199 Flood Insurance HR 2266 The Subsidy Reserve Act (All provisions) HR 2402 The Consumer Financial Protection Commission Act HR 2446 The Responsible Consumer Financial Protection Regulations Act HR 2542 The Regulatory Flexibility Improvements Act of 2013 HR 2672 The CFPB Rural Designation Petition and Correction Act HR 2673 The Portfolio Lending and Mortgage Access Act of 2013 HR 2767 The Protecting American Taxpayers Homeowners Act HR 3193 The Consumer Financial Protection Safety and Soundness Improvement Act HR 3329 To Enhance the Ability of Community Financial Institutions to Foster Economic Growth HR 3370 Homeowner Flood Insurance Affordability Act of 2014 HR 3389 CFPB Slush Fund Elimination Act of 2013 HR 3474 Expiring Provisions Improvement Act HR 3770 CFPB - IG Act of 2013 HR 3819 Fairness for Community Job Creators Act HR 4042 Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 HR 4167 Restoring Proven Financing for American Employers Act HR 4252 Mutual Bank Choice and Continuity Act of 2014 HR 4383 Bureau of Consumer Financial Protection Small Business Advisory Board Act (All provisions) HR 4466 Financial Regulatory Clarity Act HR 4521 Community Institution Mortgage Relief Act HR 4539 The Bureau Research Transparency Act (All) HR 4660 CJS Appropriations Act Amendment HR4662 The Bureau Advisory Opinion Act HR 4684 The Bureau Guidance Transparency Act (All) HR 4986 End Operation Choke Point Act of 2014 S 635 Privacy Notice Modernization Act S 727 The Financial Institutions Examination Fairness and Reform Act S 1217 Housing Finance Reform and Taxpayer Protection Act S 1349 The Community Lending Enhancement and Regulatory Relief Act S 1907 Fairness for Community Job Creators Act S 1916 HELP Rural Communities Act of 2014 S 1927 Data Secuity Act of 2014 S 2252 Community Bank Preservation Act Access to Capital for Community Banks Bank Deposit Account Disclosures Call Report Changes Capital Requirements/Regulations/Basel III Rules CFPB eRegulations Tool CFPB Reforms Credit Union Business Lending Powers Credit Union Tax Exemption Cybersecurity Data Security and Breaches DeNovo Bank Applications Department of Justice Operation Chokepoint Federal Reserve Vacancy Flood Insurance Reform Implementation of Bigger-Waters ActHome Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Housing Government Sponsored Enterprises Mortgage Escrow Requirements Mortgage Lending Reform Mortgage Loan Origination Standards Mortgage Servicing Standards National Flood Insurance Program Reauthorization Patent Litigation Reform Postal Reform-provision of banking services Qualified Mortgages, Ability to Repay Rules Qualified Residential Mortgages/Risk Retention Regulation Z Establishment of Escrow - Higher Priced Loans Regulatory and Tax Relief for Community Banks

Flood Insurance, National Flood Insurance Program and Reinsurance, H.R. 508: TRIA Reauthorization Act of 2013, H.R. 2199: Flood Insurance Implementation Act of 2013, H.R. 3013: Home Protection Act of 2013, H.R. 3156: Responsible Implementation of Flood Insurance Reform Act of 2013, H.R. 3218: Flood Insurance Fairness Act of 2013, S. 996: A bill to improve the National Flood Insurance Program, S. 1098: Responsible Implementation of Flood Insurance Reform Act of 2013, S. 1075: SHORE Act of2013, H.R. 2146: Terrorism Risk Insurance Program Reauthorization Act of 2013, S. 1610: Homeowner Flood Insurance Affordability Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3370: Homeowner Flood Insurance Affordability Act of 2013, H.R. 2199: Flood Insurance Implementation Reform Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, S. 1926: A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes.

Client expense: $810,000 · Firm income: Not reported

AD&C Lending, flood insurance, affordable housing reform, FHA reform, GSE reform, Section 8 Voucher Reform, H.R. 858: Rural Housing Preservation Act of 2013, H.R. 1145: FHA Emergency Fiscal Solvency Act of 2013, H.R. 1255: Home Construction Lending Regulatory Improvement Act of 2013, S. 1002: Home Building Lending Improvement Act of 2013, H.R. 2767: Protecting American Taxpayers and Homeowners Act of 2013, S. 1217: Housing Finance Reform and Taxpayer Protection Act of 2013, S. 766:A bill to amend section 520 of the Housing Act of 1949, Farm Bill, H.R. 1947: Federal Agriculture Reform and Risk Management Act of 2013, H.R. 2642: Federal Agriculture Reform and Risk Management Act of 2013, S. 954: Agriculture Reform, Food and Jobs Act of 2013, S. 1610: Homeowner Flood Insurance Affordability Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3370: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3013: Home Protection Act of 2013, H.R. 2199: Flood Insurance Implementation Reform Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, S. 1926: A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes.

Client expense: $810,000 · Firm income: Not reported

Issues related to financial services regulatory reform, specifically as it applies to insurance regulation. Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111-203). Issues related to the systemic risk designation process. Issues related to flood insurance, specifically proposals to stop rate increases for homeowners insurance as a result of flood insurance reforms enacted last year. Monitored progress of terrorism risk insurance legislation.H.R. 41, To temporarily increase the borrowing authority of FEMA to fund flood insurance. H.R. 240, Homeowners Insurance Protection Act of 2013. H.R. 960, Flood Victim Premium Relief Act of 2013. H.R. 1035, To require a study of voluntary community-based flood insurance options and how options could be incorporated into program. H.R. 1194, National Flood Insurance Program Termination Act of 2013. H.R. 1267, Flood Insurance Premium Relief Act of 2013. H.R. 1485, To amend the national Flood Insurance Act to modify phase-in increases in premium rates. H.R. 2199, Flood Insurance Implementation Reform Act of 2013. H.R. 3013, Home Protection Act of 2013. H.R. 3156, Responsible Implementation of Flood Insurance Reform Act of 2013. H.R. 3218, Flood Insurance Fairness Act of 2013. H.R. 3313, Homeowners Flood Insurance Relief Act of 2013. H.R. 3370, Homeowner Flood Insurance Affordability Act of 2013. H.R. 3380, To delay increases in premium rates until FEMA completes a review of flood insurance rate maps and Army Crops reviews and certifies. H.R. 3511, Keeping Flood Insurance Affordable Act of 2013. H.R. 3693, Flood Insurance Relief and Transparency Act of 2013. H.R. 3815, To repeal the Biggert-Waters Flood Insurance Reform Act of 2012. S. 996, a bill to improve the National Flood Insurance Program. S. 1075, Saving Homeowners from Onerous Rate Escalations Act of 2013. S. 1098, Responsible Implementation of flood insurance reform act of 2013. S. 1560, Deficit Neutral Disaster Relief Act. S 1610, Homeowner Flood Insurance Affordability Act of 2013. S.1926, A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers (NARAB II), and for other purposes. S. 1369, A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes.

Natural Disaster Policy HR152 - Disaster Relief Appropriations Act of 2013 HR240 - Homeowners Insurance Protection Act of 2013 HR960 - Flood Victim Premium Relief Act of 2013Natural Disaster Policy (cont'd) HR1101 - Homeowners and Taxpayers Protection Act of 2013 HR1267 - Flood Insurance Premium Relief Act of 2013 HR1485 - A bill to amend the National Flood Insurance Act of 1968 to modify the phase-in increases in flood insurance premium rates for certain properties, and for other purposes HR2199 - York River Wild and Scenic River Study Act of 2013 HR2217 - Fiscal 2014 Homeland Security Appropriations HR3298 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster HR3989 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster and to repair or replace property damaged or destroyed in a disaster. HR3370 - Homeowner Flood Insurance Affordability Act of 2013 HR3547 - Fiscal 2014 Omnibus Appropriations Act HR3693 - Flood Insurance Relief and Transparency Act of 2013 S601 - Water Resources Development Act of 2013 S954 - FARM Bill S996 - A bill to improve the National Flood Insurance Program, and for other purposes S1610 - Homeowner Flood Insurance Affordability Act of 2013 S1846 - Homeowner Flood Insurance Affordability Bill S1926 - Homeowner Flood Insurace Affordability Bill S1991 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster and to repair or replace property damaged or destroyed in a disaster. Terrorism Risk Insurance HR508 - Terrorism Risk Insurace Act of 2002 (TRIA) Reauthorization Act of 2013 HR1945 - Fostering Resilience to Terrorism Act of 2013 HR2146 - Terrorism Risk Insurance Program Reauthorization Act of 2013 Discussions with the Federal Emergency Management Agency (FEMA) within the Department of Homeland Security (DHS) on flood insurance and the National Flood Insurance Program.

Issues related to financial services regulatory reform, specifically as it applies to insurance regulation. Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111-203). Issues related to the Federal Insurance Office and the systemic risk designation process. Legislation to update and reform the National Flood Insurance Program. Terrorism risk insurance. H.R. 1945, Fostering Resilience to Terrorism Act of 2013.H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013. H.R. 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013. H.R. 41, To temporarily increase the borrowing authority of FEMA to fund flood insurance. H.R. 240, Homeowners Insurance Protection Act of 2013. H.R. 960, Flood Victim Premium Relief Act of 2013. H.R. 1035, To require a study of voluntary community-based flood insurance options and how options could be incorporated into program. H.R. 1194, National Flood Insurance Program Termination Act of 2013. H.R. 1267, Flood Insurance Premium Relief Act of 2013. H.R. 1485, To amend the national Flood Insurance Act to modify phase-in increases in premium rates. H.R. 2199, Flood Insurance Implementation Reform Act of 2013. H.R. 3013, Home Protection Act of 2013. H.R. 3156, Responsible Implementation of Flood Insurance Reform Act of 2013. H.R. 3218, Flood Insurance Fairness Act of 2013. H.R. 3313, Homeowners Flood Insurance Relief Act of 2013. H.R. 3370, Homeowner Flood Insurance Affordability Act of 2013. H.R. 3380, To delay increases in premium rates until FEMA completes a review of flood insurance rate maps and Army Crops reviews and certifies. H.R. 3511, Keeping Flood Insurance Affordable Act of 2013. H.R. 3693, Flood Insurance Relief and Transparency Act of 2013. H.R. 3815, To repeal the Biggert-Waters Flood Insurance Reform Act of 2012. S. 996, a bill to improve the National Flood Insurance Program. S. 1075, Saving Homeowners from Onerous Rate Escalations Act of 2013. S. 1098, Responsible Implementation of flood insurance reform act of 2013. S. 1560, Deficit Neutral Disaster Relief Act. S. 1610, Homeowner Flood Insurance Affordability Act of 2013. S. 1926, A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes.

HR 688 Credit Union Small Business Job Creation Act of 2013 HR 719 Capital Access for Small Businesses and Jobs Act HR 749 Eliminate Privacy Notice Confusion Act HR 797 Municipal Adviser Oversight Improvement Act of 2013HR 801 The Holding Company Restriction Threshold Equalization Act HR 892 The S Corporation Modernization Act HR 1062 SEC Regulatory Accountability Act HR 1603 The Mutual Community Bank Competitive Equality Act HR 1750 The Community Lending Enhancement and Regulatory Relief Act HR 2199 Flood Insurance HR 2402 The Consumer Financial Protection Commission Act HR 2446 The Responsible Consumer Financial Protection Regulations Act HR 2542 The Regulatory Flexibility Improvements Act of 2013 HR 2672 The CFPB Rural Designation Petition and Correction Act HR 2673 The Portfolio Lending and Mortgage Access Act of 2013 HR 2767 The Protecting American Taxpayers Homeowners Act HR 3193 The Consumer Financial Protection Safety and Soundness Improvement Act HR 3370 Homeowner Flood Insurance Affordability Act of 2014 HR 3696 The National Cybersecurity and Critical Infrastructure Protection Act HR 3819 Fairness for Community Job Creators Act HR 4167 Restoring Proven Financing for American Employers Act S 635 Privacy Notice Modernization Act S 710 Municipal Adviser Relief Act S 727 The Financial Institutions Examination Fairness and Reform Act S 996 Flood Insurance S 1217 Housing Finance Reform and Taxpayer Protection S 1349 The Community Lending Enhancement and Regulatory Relief Act S 1907 Fairness for Community Job Creators Act S 1916 HELP Rural Communities Act of 2014 S 1927 Data Secuity Act of 2014 Bank Examinations Call Report Changes Capital Requirements/Regulations/Basel III Rules CFPB Reforms Credit Union Business Lending Powers Credit Union Tax Exemption Cybersecurity Data Security and Breaches DeNovo Bank Applications Federal Reserve Vacancy FHA Loan Programs Flood Insurance Reform Implementation of Bigger-Waters Act GAO Study of Too Big To Fail GSE Conforming Loan Limits Housing Finance Reform Housing Government Sponsored Enterprises Mortgage Escrow Requirements Mortgage Lending Reform Mortgage Loan Origination Standards Mortgage Servicing Standards National Flood Insurance Program Reauthorization Nomination of Janet Yellen as Chairman, Federal Reserve Board Patent Litigation Reform Postal Reform-provision of banking services Qualified Mortgages, Ability to Repay Rules Qualified Residential Mortgages/Risk Retention Regulation Z Establishment of Escrow - Higher Priced LoansRegulatory and Tax Relief for Community Banks Systemic Risk Regulation Volcker Rule Treatment of CDO and CLO Investments

H.R. 960, Flood Victim Premium Relief Act of 2013 H.R. 1035, to require the study of voluntary community-based flood insurance options and how such options could be incorporated into the national flood insurance program, and for other purposes.H.R. 1267, Flood Insurance Premium Relief Act of 2013 H.R. 1485, to amend the National Flood Insurance Act of 1968 to modify the phase-in increases in flood insurance premium rates for certain properties, and for other purposes. H.R. 2199, Flood Insurance Implementation Reform Act of 2013 H.R. 3156, Responsible Implementation of Flood Insurance Reform Act of 2013 H.R. 3218, Flood Insurance Fairness Act of 2013 S. 996, A bill to improve the National Flood Insurance Program, and for other purposes S. 1075, Saving Homeowners from Onerous Rate Escalations Act of 2013 S. 1098, Responsible Implementation of Flood Insurance Act of 2013 H.R. 3298, Disaster Savings Accounts Act of 2013 S. 1610, Homeowner Flood Insurance Affordability Act of 2013 S. 1846, Homeowner Flood Insurance Affordability Act of 2013

Client expense: $41,152 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), Bureau of Reclamation, Commerce, Dept of (DOC), Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), HOUSE OF REPRESENTATIVES, Interior, Dept of (DOI), Natl Oceanic & Atmospheric Administration (NOAA), Natl Park Service (NPS), Office of Management & Budget (OMB), SENATE, U.S. Fish & Wildlife Service (USFWS)

Implementation of Public Law No. 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically, provisions on risk, insurance oversight (Federal Insurance Office), and potential CFPB activities related to P&C insurance. General issues related to lender placed insurance market.Discussions related to Basel III capital standards. Discussions on U.S. and global designation of systemically relevant non-bank financial firms. S.1369, A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes. H.R. 2140, Insurance Capital and Accounting Standards Act of 2013. S.2101, A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. General issues related to Super Storm Sandy, as related to P&C insurance, including resilience and mitigation. General discussions on natural catastrophe related proposals. H.R. 240, Homeowners Insurance Protection Act of 2013. H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013. H.R. 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013. H.R. 1945, Fostering Resilience to Terrorism Act of 2013. Issues related to Implementation of National Flood Insurance Program reform. S. 996, a bill to amend the National Flood Insurance Program, specifically provisions related to rates. H.R. 2199, Flood Insurance Implementation Reform Act, and issues related to general flood mitigation efforts. General discussions on Insurance Capital Investment. General discussions on the insurability of cyber exposures.

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

HR 688 Credit Union Small Business Job Creation Act of 2013 HR 719 Capital Access for Small Businesses and Jobs Act HR 749 Eliminate Privacy Notice Confusion Act HR 797 Municipal Adviser Oversight Improvement Act of 2013HR 801 The Holding Company Restriction Threshold Equalization Act HR 892 The S Corporation Modernization Act HR 1062 SEC Regulatory Accountability Act HR 1603 The Mutual Community Bank Competitive Equality Act HR 1750 The Community Lending Enhancement and Regulatory Relief Act HR 2199 Flood Insurance HR 2402 The Consumer Financial Protection Commission Act HR 2446 The Responsible Consumer Financial Protection Regulations Act HR 2542 The Regulatory Flexibility Improvements Act of 2013 HR 2672 The CFPB Rural Designation Petition and Correction Act HR 2673 The Portfolio Lending and Mortgage Access Act of 2013 HR 2767 The Protecting American Taxpayers Homeowners Act HR 3193 The Consumer Financial Protection Safety and Soundness Improvement Act HR 3370 Homeowner Flood Insurance Affordability Act of 2014 HR 3696 The National Cybersecurity and Critical Infrastructure Protection Act HR 4167 Restoring Proven Financing for American Employers Act S 635 Privacy Notice Modernization Act S 710 Municipal Adviser Relief Act S 727 The Financial Institutions Examination Fairness and Reform Act S 996 Flood Insurance S 1217 Housing Finance Reform and Taxpayer Protection S 1349 The Community Lending Enhancement and Regulatory Relief Act S 1907 Fairness for Community Job Creators Act S 1916 HELP Rural Communities Act of 2014 S 1927 Data Secuity Act of 2014 Bank Examinations Capital Requirements/Regulations/Basel III Rules CFPB Reforms Credit Union Business Lending Powers Credit Union Tax Exemption Cybersecurity Data Security and Breaches DeNovo Bank Applications FHA Loan Programs Flood Insurance Reform Implementation of Bigger-Waters Act GAO Study of Too Big To Fail GSE Conforming Loan Limits Housing Finance Reform Housing Government Sponsored Enterprises Mortgage Escrow Requirements Mortgage Lending Reform Mortgage Loan Origination Standards Mortgage Servicing Standards National Flood Insurance Program Reauthorization Nomination of Janet Yellen as Chairman, Federal Reserve Board Patent Litigation Reform Qualified Mortgages, Ability to Repay Rules Qualified Residential Mortgages/Risk Retention Regulation Z Establishment of Escrow - Higher Priced Loans Regulatory and Tax Relief for Community Banks Volcker Rule Treatment of CDO and CLO Investments

Insurance Regulatory Reform-Implementation of the "Dodd Frank Wall Street Reform & Consumer Protection Act" (Regulations) "Dodd Frank Wall Street Reform & Consumer Protection Act" - overhauls regulation of federal markets(not yet in legislative form) 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-changes effective dates and studies Title VII of Dodd-Frank Act(not yet in legislPub L 111-203- Dodd-Frank Wall Street Reform and Consumer Protection Act - To exempt inter-affiliate swaps from certain regulatory requirements HR 41 - A bill to increase the borrowing authority for the "NFIP" HR 982 - FACT Act - "Furthering Asbestos Claim Transparency (FACT) Act of 2013" - "Amends title 11 of the US code to require the public disclosure by trusts established under section 524(g) of such title, of quarterly reports that contain detailed information regarding receipt and disposition of claims for injuries based on exposure to asbestos and for other purposes HR 508 - Terrorism Risk Insurance Act (TRIA) - requires commercial insurers to provide terrorism risk coverage, reauthorizes the program for 5 years Disaster mitigation proposals (not in bill form) HR 1309 - "Flood Insurance reform Act of 2011" - reauthorizes and reforms National Flood Insurance Program HR 1064 / S 534 - NARAB II - National Association of Registered Agents and Brokers Reform Act of 2011-A bill to reform the National Association of Registered Agents and Brokers and for other purposes (NARAB II), would establish a federal licensing clearinghouse for insurance agents who operate in multiple states USPS 5 day delivery and postal reform proposals (not in bill form) HR 4348 - "MAP-21/Transportation and NFIP Conference Report" - reauthorizes federal transportation and safety programs and reforms and reauthorizes the NFIP fo 5 years HR 1945- "Fostering Resilience to Terrorism Act of 2013"-to extend the Terrorism Risk Insurance program of the Department of Treasury for 10 years, and for other purposes. Program expires on December 31, 2014 HR 2146-"Terrorism Risk Insurance Program Reauthorization Act of 2013" to extend the Terrorism Risk program of the Department of the Treasury for 10 years. Extends the Program through December 31, 2024 S 996-Strengthen, Modernize and Reform the National Flood Insurance Program(SMART NFIP) Act-"A bill to improve the National Flood Insurance Program and for other purposes" HR 1035-"To require a study of voluntary community based flood insurance options and how such options could be incorporated into the national flood insurance program, and for other purposes" Directs the Administer of FEMA to study and report to Congress on options, methods, and strategies HR 2199-"The Flood Insurance Implementation Reform Act of 2013"-to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012. Bill would delay the premium increase by 3 years after the enactment of the bill S 1075-"The Saving Homeowners from Onerous Rate Escalations of 2013 SHORE Act of 2013"-a bill to extend the phase-in of actuarial rates for flood insurance for certain properties under Biggert-Waters Flood Insurance Reform Act of 2102-would help homeowners avoid steep increases in premiums H AMDt. 121 to HR 2217-An amendment to prohibit the use of funds to implement, carry out, administer, or enforce section 1308 (h) of the NFIA of 1968 (42 U.S.C. 4015(h)). An amendment to the Department of Homeland Security Appropriations Act, 2014. Delays the premium increase for one year HR 2140 "Insurance Capital and Accounting Standards Act of 2013"- a bill to permit insurance companies that are depositoryholding companies, or are subsidaries of depository holding companies, to comply with the accounting and capital requirements applicable to the insurance company under State law, and for other purposes S 1369 A bill to provide flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes HR 1194 - ""National Flood Insurance Program Termination Act of 2013"- to terminate the National Flood Insurance Program and related mandatory purchase and compliance requirements S 601- "Water Resources Development Act of 2013"-to provide for the conservation and development of water and related resources, to authorize the Secretary of the Army to construct various projects for improvements to rivers and harbors of the United States, and for other purposes HR 3380-"A bill to delay NFIP Rate Increases until FEMA Maps are Updated"-would delay the flood insurance rate increases mandated in the 2012 Biggert-Waters Act HR 3013-"Home Protection Act of 2013"-A bill to reform the NFIP, and for other purposes HR 3156/S.1098-"Responsible Implementation of Flood Insurance Reform Act of 2013"- would reform the Biggert-Waters Flood Insurance Act of 2012 to responsibly protect home ownership HR 3218-A bill to delay increases in flood insurance premium rates under the NFIP until completion of the pending study for the affordability of rates, and for congressional consideration of reforms to make such rates affordable HR 3312-"Homeowners Flood Insurance Relief Act of 2013"-would require the administrator of FEMA to allow monthly installment payments for flood insurance under the NFIP Act of 1968 HR 3370/S.1610-"Homeowner Flood Insurance Affordability Act of 2013"-would delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes HR 3696 "National Cybersecurity and Critical Infrastructure Protection Act of 2013" Amends the Homeland Security Act of 2002 S 1846 - Homeowner Flood Insurance Affordability Act of 2013 S 1926 - A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012

Optional Federal Charter (Generally) H.R. 1155 National Association of Registered Agents and Brokers Act (All Provisions) S. 534 National Association of Registered Agents and Brokers Act (All Provisions) H.R. 2140 Insurance Capital Accounting Standards Act of 2013 (All Provisions)H.R. 240 Homeowners Insurance Protection Act (All Provisions) H.R. 508 TRIA Reauthorization (All Provisions) H.R. 549 Homeowner Catastrophe Protection Act (All Provisions) H.R. 1035 Community Based NFIP Study (All Provisions) P.L. 112-141 Flood Insurance Reform Act of 2012 (Implementation) H.R. 737 Homeowners Defense Act (All Provisions) H.R. 960 Flood Victim Premium Relief Act (All Provisions) H.R. 2374 Retail Protection Investor Act (All Provisions) H.R. 1878, S. 905 Safe Building Codes Incentive Act (All Provisions) H.R. 1267 Flood Premium Relief Act (All Provisions) H.R. 1194 National Flood Insurance Program Termination Act (All Provisions) H.R. 1035 Community Based Flood Insurance Act (All Provisions) H.R. 2217 Homeland Security Appropriations Act (Flood Provisions) H.R. 1945 Fostering Resiliance to Terrorism Act (All Provisions) H.R. 1485 A Bill to modify NFIP Phase-in Premium increase (All Provisions) H.R. 2146 Terrorism Risk Insurance Program Reauthorization Act of 2013 (All Provisions) S. 996 Delay of NFIP Rate Increases (All Provisions) H.R. 2199 Flood Insurance Implementation Reform Act (All Provisions) S. 1098 Responsible Implementation of Flood Insurance Reform (All Provisions) S. 1369 A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of insurance, and for other purposes. (No official title yet.) (All Provisions) H.R. 3370 Homeowner Flood Insurance Affordability Act of 2013 (All Provisions) H.R. 3693 Flood Insurance Relief and Transparency Act of 2013 (All Provisions) S. 1610 Homeowner Flood Insurance Affordability Act of 2013 (All Provisions) H.R. 3511 Keeping Flood Insurance Affordable Act (All Provisions) S. 1926 Homeowner Flood Insurance Affordability Act (All Provisions) S. 1846 Homeowner Flood Insurance Affordability Act (All Provisions) H.R. 3815 Biggert-Waters Repeal (All Provisions) S. 2137 Second Home Refund Prohibition Act (All Provisions) S. 2102 A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. (All Provisions)

H.R. 960, Flood Victim Premium Relief Act of 2013 H.R. 1035, to require the study of voluntary community-based flood insurance options and how such options could be incorporated into the national flood insurance program, and for other purposes.H.R. 1267, Flood Insurance Premium Relief Act of 2013 H.R. 1485, to amend the National Flood Insurance Act of 1968 to modify the phase-in increases in flood insurance premium rates for certain properties, and for other purposes. H.R. 2199, Flood Insurance Implementation Reform Act of 2013 H.R. 3156, Responsible Implementation of Flood Insurance Reform Act of 2013 H.R. 3218, Flood Insurance Fairness Act of 2013 S. 996, A bill to improve the National Flood Insurance Program, and for other purposes S. 1075, Saving Homeowners from Onerous Rate Escalations Act of 2013 S. 1098, Responsible Implementation of Flood Insurance Act of 2013 H.R. 3298, Disaster Savings Accounts Act of 2013 S. 1610, Homeowner Flood Insurance Affordability Act of 2013 S. 1846, Homeowner Flood Insurance Affordability Act of 2013

Client expense: $25,887 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), Bureau of Reclamation, Commerce, Dept of (DOC), Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), HOUSE OF REPRESENTATIVES, Interior, Dept of (DOI), Natl Oceanic & Atmospheric Administration (NOAA), Natl Park Service (NPS), Office of Management & Budget (OMB), SENATE, U.S. Fish & Wildlife Service (USFWS), U.S. Forest Service

Natural Disaster Policy HR152 - Disaster Relief Appropriations Act of 2013 HR240 - Homeowners Insurance Protection Act of 2013 HR960 - Flood Victim Premium Relief Act of 2013Natural Disaster Policy (cont'd) HR1101 - Homeowners and Taxpayers Protection Act of 2013 HR1267 - Flood Insurance Premium Relief Act of 2013 HR1485 - A bill to amend the National Flood Insurance Act of 1968 to modify the phase-in increases in flood insurance premium rates for certain properties, and for other purposes HR2199 - York River Wild and Scenic River Study Act of 2013 HR2217 - Fiscal 2014 Homeland Security Appropriations HR3307 - Homeowner Flood Insurance Affordability Act of 2013 HR3547 - Fiscal 2014 Omnibus Appropriations Act HR3693 - Flood Insurance Relief and Transparency Act of 2013 S601 - Water Resources Development Act of 2013 S954 - FARM Bill S996 - A bill to improve the National Flood Insurance Program, and for other purposes S1610 - Homeowner Flood Insurance Affordability Act of 2013 S1846 - Homeowner Flood Insurance Affordability Bill S1926 - Homeowner Flood Insurace Affordability Bill Terrorism Risk Insurance HR508 - Terrorism Risk Insurace Act of 2002 (TRIA) Reauthorization Act of 2013 HR1945 - Fostering Resilience to Terrorism Act of 2013 HR2146 - Terrorism Risk Insurance Program Reauthorization Act of 2013 Discussions with the Federal Emergency Management Agency (FEMA) within the Department of Homeland Security (DHS) on flood insurance and the implementation of the Biggert-Waters Flood Insurance Reform bill.

Client expense: $12,620,000 · Firm income: Not reported

Implementation of Public Law No. 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically, provisions on risk, insurance oversight (Federal Insurance Office), and potential CFPB activities related to P&C insurance. General issues related to lender placed insurance market.Discussions related to Basel III capital standards. Discussions on U.S. and global designation of systemically relevant non-bank financial firms. S.1369, A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes. H.R. 2140, Insurance Capital and Accounting Standards Act of 2013. General issues related to Super Storm Sandy, as related to P&C insurance. General discussions on natural catastrophe related proposals. H.R. 240, Homeowners Insurance Protection Act of 2013. H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013. H.R. 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013. H.R. 1945, Fostering Resilience to Terrorism Act of 2013. Issues related to Implementation of National Flood Insurance Program reform. S. 996, a bill to amend the National Flood Insurance Program, specifically provisions related to rates. H.R. 2199, Flood Insurance Implementation Reform Act, and issues related to general flood mitigation efforts. General discussions on Insurance Capital Investment. General discussions on the insurability of cyber exposures. General discussions on rail safety.

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

AD&C lending, flood insurance, affordable housing reform, FHA reform, GSE reform, Section 8 Voucher Reform, H.R. 858: Rural Housing Preservation Act of 2013, H.R. 1145: FHA Emergency Fiscal Solvency Act of 2013, H.R. 1255: Home Construction Lending Regulatory Improvement Act of 2013, S. 1002: Home Building Lending Improvement Act of 2013, H.R. 2767: Protecting American Taxpayers and Homeowners Act of 2013, S. 1217: Housing Finance Reform and Taxpayer Protection Act of 2013, S. 766:A bill to amend section 520 of the Housing Act of 1949, Farm Bill, H.R. 1947: Federal Agriculture Reform and Risk Management Act of 2013, H.R. 2642: Federal Agriculture Reform and Risk Management Act of 2013, S. 954: Agriculture Reform, Food and Jobs Act of 2013, S. 1610: Homeowner Flood Insurance Affordability Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3370: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3013: Home Protection Act of 2013, H.R. 2199: Flood Insurance Implementation Reform Act of 2013.

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

Flood Insurance, National Flood Insurance Program and Reinsurance, H.R. 508: TRIA Reauthorization Act of 2013, H.R. 2199: Flood Insurance Implementation Act of 2013, H.R. 3013: Home Protection Act of 2013, H.R. 3156: Responsible Implementation of Flood Insurance Reform Act of 2013, H.R. 3218: Flood Insurance Fairness Act of 2013, S. 996: A bill to improve the National Flood Insurance Program, S. 1098: Responsible Implementation of Flood Insurance Reform Act of 2013, S. 1075: SHORE Act of2013, H.R. 2146: Terrorism Risk Insurance Program Reauthorization Act of 2013, S. 1610: Homeowner Flood Insurance Affordability Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3370: Homeowner Flood Insurance Affordability Act of 2013, H.R. 2199: Flood Insurance Implementation Reform Act of 2013.

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

Issues related to financial services regulatory reform, specifically as it applies to insurance regulation. Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111-203). Issues related to the systemic risk designation process. Issues related to flood insurance, specifically proposals to stop rate increases for homeowners insurance as a result of flood insurance reforms enacted last year. Monitored progress of terrorism risk insurance legislation.H.R. 41, To temporarily increase the borrowing authority of FEMA to fund flood insurance. H.R. 240, Homeowners Insurance Protection Act of 2013. H.R. 960, Flood Victim Premium Relief Act of 2013. H.R. 1035, To require a study of voluntary community-based flood insurance options and how options could be incorporated into program. H.R. 1194, National Flood Insurance Program Termination Act of 2013. H.R. 1267, Flood Insurance Premium Relief Act of 2013. H.R. 1485, To amend the national Flood Insurance Act to modify phase-in increases in premium rates. H.R. 2199, Flood Insurance Implementation Reform Act of 2013. H.R. 3013, Home Protection Act of 2013. H.R. 3156, Responsible Implementation of Flood Insurance Reform Act of 2013. H.R. 3218, Flood Insurance Fairness Act of 2013. H.R. 3313, Homeowners Flood Insurance Relief Act of 2013. H.R. 3370, Homeowner Flood Insurance Affordability Act of 2013. H.R. 3380, To delay increases in premium rates until FEMA completes a review of flood insurance rate maps and Army Crops reviews and certifies. H.R. 3511, Keeping Flood Insurance Affordable Act of 2013. H.R. 3693, Flood Insurance Relief and Transparency Act of 2013. H.R. 3815, To repeal the Biggert-Waters Flood Insurance Reform Act of 2012. S. 996, a bill to improve the National Flood Insurance Program. S. 1075, Saving Homeowners from Onerous Rate Escalations Act of 2013. S. 1098, Responsible Implementation of flood insurance reform act of 2013. S. 1560, Deficit Neutral Disaster Relief Act. S 1610, Homeowner Flood Insurance Affordability Act of 2013.

Issues related to financial services regulatory reform, specifically as it applies to insurance regulation. Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111-203). Issues related to the Federal Insurance Office and the systemic risk designation process. Legislation to update and reform the National Flood Insurance Program. Terrorism risk insurance. H.R. 1945, Fostering Resilience to Terrorism Act of 2013.H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013. H.R. 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013. H.R. 41, To temporarily increase the borrowing authority of FEMA to fund flood insurance. H.R. 240, Homeowners Insurance Protection Act of 2013. H.R. 960, Flood Victim Premium Relief Act of 2013. H.R. 1035, To require a study of voluntary community-based flood insurance options and how options could be incorporated into program. H.R. 1194, National Flood Insurance Program Termination Act of 2013. H.R. 1267, Flood Insurance Premium Relief Act of 2013. H.R. 1485, To amend the national Flood Insurance Act to modify phase-in increases in premium rates. H.R. 2199, Flood Insurance Implementation Reform Act of 2013. H.R. 3013, Home Protection Act of 2013. H.R. 3156, Responsible Implementation of Flood Insurance Reform Act of 2013. H.R. 3218, Flood Insurance Fairness Act of 2013. H.R. 3313, Homeowners Flood Insurance Relief Act of 2013. H.R. 3370, Homeowner Flood Insurance Affordability Act of 2013. H.R. 3380, To delay increases in premium rates until FEMA completes a review of flood insurance rate maps and Army Crops reviews and certifies. H.R. 3511, Keeping Flood Insurance Affordable Act of 2013. H.R. 3693, Flood Insurance Relief and Transparency Act of 2013. H.R. 3815, To repeal the Biggert-Waters Flood Insurance Reform Act of 2012. S. 996, a bill to improve the National Flood Insurance Program. S. 1075, Saving Homeowners from Onerous Rate Escalations Act of 2013. S. 1098, Responsible Implementation of flood insurance reform act of 2013. S. 1560, Deficit Neutral Disaster Relief Act. S 1610, Homeowner Flood Insurance Affordability Act of 2013.

HR 688 Credit Union Small Business Job Creation Act of 2013 HR 719 Capital Access for Small Businesses and Jobs Act HR 749 Eliminate Privacy Notice Confusion Act HR 797 Municipal Adviser Oversight Improvement Act of 2013HR 801 The Holding Company Restriction Threshold Equalization Act HR 892 The S Corporation Modernization Act HR 1062 SEC Regulatory Accountability Act HR 1553 The Financial Institutions Examination Fairness and Reform Act HR 1603 The Mutual Community Bank Competitive Equality Act HR 1750 The Community Lending Enhancement and Regulatory Relief Act HR 2199 Flood Insurance HR 2295 Basel III Commonsense Approach for Small Entities Act HR 2323 The Right to Lend Act HR 2402 The Consumer Financial Protection Commission Act HR 2446 The Responsible Consumer Financial Protection Regulations Act HR 2542 The Regulatory Flexibility Improvements Act of 2013 HR 2672 The CFPB Rural Designation Petition and Correction Act HR 2673 The Portfolio Lending and Mortgage Access Act of 2013 HR 2767 The Protecting American Taxpayers Homeowners Act HR 3193 The Consumer Financial Protection Safety and Soundness Improvement Act HR 3329 To Enhance the ability of community financial institutions to foster economic growth and serve their communities HR 3700 Building Community Banks' Capacity to Combat Money Laundering Act S 205 Responsible Financial Consumer Protection Regulations Act S 450 The Financial Regulatory Responsibility Act S 635 Privacy Notice Modernization Act S 710 Municipal Adviser Relief Act S 727 The Financial Institutions Examination Fairness and Reform Act S 798 The Terminating Bailouts for Taxpayer Fairness Act S 872 Holding Company Registration Threshold Equalization Act S 996 Flood Insurance S 1217 Housing Finance Reform and Taxpayer Protection S 1349 The Community Lending Enhancement and Regulatory Relief Act S 1353 The Cybersecurity Act of 2013 Bank Examinations Capital Requirements/Regulations/Basel III Rules CFPB Reforms Credit Union Business Lending Powers Credit Union Tax Exemption DeNovo Bank Applications FHA Loan Programs Financial Regulatory Reform Flood Insurance Reform Implementation of Bigger-Waters Act GAO Study of Too Big To Fail GSE Conforming Loan Limits Housing Finance Reform Housing Government Sponsored Enterprises Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act Mortgage Escrow Requirements Mortgage Lending Disclosures (RESPA/TILA) Mortgage Lending Reform Mortgage Loan Origination Standards Mortgage Servicing Standards National Flood Insurance Program Reauthorization Nomination of Janet Yellen as Chairman, Federal Reserve Board Overdraft ProtectionPatent Litigation Reform Qualified Mortgages, Ability to Repay Rules Qualified Residential Mortgages/Risk Retention Registration of Municipal Advisors Regulation Z Establishment of Escrow - Higher Priced Loans Regulatory and Tax Relief for Community Banks Rural Housing Appraisals Systemic Risk, Too-Big-To-Fail Regulation and Resolution Authority Volcker Rule Treatment of CDO and CLO Investments

Optional Federal Charter (Generally) H.R. 1155 National Association of Registered Agents and Brokers Act (All Provisions) S. 534 National Association of Registered Agents and Brokers Act (All Provisions) H.R. 2140 Insurance Capital Accounting Standards Act of 2013 (All Provisions)H.R. 240 Homeowners Insurance Protection Act (All Provisions) H.R. 508 TRIA Reauthorization (All Provisions) H.R. 549 Homeowner Catastrophe Protection Act (All Provisions) H.R. 1035 Community Based NFIP Study (All Provisions) P.L. 112-141 Flood Insurance Reform Act of 2012 (Implementation) H.R. 737 Homeowners Defense Act (All Provisions) H.R. 960 Flood Victim Premium Relief Act (All Provisions) H.R. 2374 Retail Protection Investor Act (All Provisions) H.R. 1878, S. 905 Safe Building Codes Incentive Act (All Provisions) H.R. 1267 Flood Premium Relief Act (All Provisions) H.R. 1194 National Flood Insurance Program Termination Act (All Provisions) H.R. 1035 Community Based Flood Insurance Act (All Provisions) H.R. 2217 Homeland Security Appropriations Act (Flood Provisions) H.R. 1945 Fostering Resiliance to Terrorism Act (All Provisions) H.R. 1485 A Bill to modify NFIP Phase-in Premium increase (All Provisions) H.R. 2146 Terrorism Risk Insurance Program Reauthorization Act of 2013 (All Provisions) S. 996 Delay of NFIP Rate Increases (All Provisions) H.R. 2199 Flood Insurance Implementation Reform Act (All Provisions) S. 1098 Responsible Implementation of Flood Insurance Reform (All Provisions) S. 1369 A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of insurance, and for other purposes. (No official title yet.) (All Provisions) H.R. 3370 Homeowner Flood Insurance Affordability Act of 2013 (All Provisions) H.R. 3693 Flood Insurance Relief and Transparency Act of 2013 (All Provisions) S. 1610 Homeowner Flood Insurance Affordability Act of 2013 (All Provisions) H.R. 3511 Keeping Flood Insurance Affordable Act (All Provisions)

Insurance Regulatory Reform-Implementation of the "Dodd Frank Wall Street Reform & Consumer Protection Act" (Regulations) "Dodd Frank Wall Street Reform & Consumer Protection Act" - overhauls regulation of federal markets(not yet in legislative form) 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-changes effective dates and studies Title VII of Dodd-Frank Act(not yet in legislPub L 111-203- Dodd-Frank Wall Street Reform and Consumer Protection Act - To exempt inter-affiliate swaps from certain regulatory requirements HR 41 - A bill to increase the borrowing authority for the "NFIP" HR 982 - FACT Act - "Furthering Asbestos Claim Transparency (FACT) Act of 2013" - "Amends title 11 of the US code to require the public disclosure by trusts established under section 524(g) of such title, of quarterly reports that contain detailed information regarding receipt and disposition of claims for injuries based on exposure to asbestos and for other purposes HR 508 - Terrorism Risk Insurance Act (TRIA) - requires commercial insurers to provide terrorism risk coverage, reauthorizes the program for 5 years Disaster mitigation proposals (not in bill form) HR 1309 - "Flood Insurance reform Act of 2011" - reauthorizes and reforms National Flood Insurance Program HR 1064 / S 534 - NARAB II - National Association of Registered Agents and Brokers Reform Act of 2011-A bill to reform the National Association of Registered Agents and Brokers and for other purposes (NARAB II), would establish a federal licensing clearinghouse for insurance agents who operate in multiple states USPS 5 day delivery and postal reform proposals (not in bill form) HR 4348 - "MAP-21/Transportation and NFIP Conference Report" - reauthorizes federal transportation and safety programs and reforms and reauthorizes the NFIP fo 5 years HR 1945- "Fostering Resilience to Terrorism Act of 2013"-to extend the Terrorism Risk Insurance program of the Department of Treasury for 10 years, and for other purposes. Program expires on December 31, 2014 HR 2146-"Terrorism Risk Insurance Program Reauthorization Act of 2013" to extend the Terrorism Risk program of the Department of the Treasury for 10 years. Extends the Program through December 31, 2024 S 996-Strengthen, Modernize and Reform the National Flood Insurance Program(SMART NFIP) Act-"A bill to improve the National Flood Insurance Program and for other purposes" HR 1035-"To require a study of voluntary community based flood insurance options and how such options could be incorporated into the national flood insurance program, and for other purposes" Directs the Administer of FEMA to study and report to Congress on options, methods, and strategies HR 2199-"The Flood Insurance Implementation Reform Act of 2013"-to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012. Bill would delay the premium increase by 3 years after the enactment of the bill S 1075-"The Saving Homeowners from Onerous Rate Escalations of 2013 SHORE Act of 2013"-a bill to extend the phase-in of actuarial rates for flood insurance for certain properties under Biggert-Waters Flood Insurance Reform Act of 2102-would help homeowners avoid steep increases in premiums H AMDt. 121 to HR 2217-An amendment to prohibit the use of funds to implement, carry out, administer, or enforce section 1308 (h) of the NFIA of 1968 (42 U.S.C. 4015(h)). An amendment to the Department of Homeland Security Appropriations Act, 2014. Delays the premium increase for one year HR 2140 "Insurance Capital and Accounting Standards Act of 2013"- a bill to permit insurance companies that are depositoryholding companies, or are subsidaries of depository holding companies, to comply with the accounting and capital requirements applicable to the insurance company under State law, and for other purposes S 1369 A bill to provide flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes HR 1194 - ""National Flood Insurance Program Termination Act of 2013"- to terminate the National Flood Insurance Program and related mandatory purchase and compliance requirements S 601- "Water Resources Development Act of 2013"-to provide for the conservation and development of water and related resources, to authorize the Secretary of the Army to construct various projects for improvements to rivers and harbors of the United States, and for other purposes HR 3380-"A bill to delay NFIP Rate Increases until FEMA Maps are Updated"-would delay the flood insurance rate increases mandated in the 2012 Biggert-Waters Act HR 3013-"Home Protection Act of 2013"-A bill to reform the NFIP, and for other purposes HR 3156/S.1098-"Responsible Implementation of Flood Insurance Reform Act of 2013"- would reform the Biggert-Waters Flood Insurance Act of 2012 to responsibly protect home ownership HR 3218-A bill to delay increases in flood insurance premium rates under the NFIP until completion of the pending study for the affordability of rates, and for congressional consideration of reforms to make such rates affordable HR 3312-"Homeowners Flood Insurance Relief Act of 2013"-would require the administrator of FEMA to allow monthly installment payments for flood insurance under the NFIP Act of 1968 HR 3370/S.1610-"Homeowner Flood Insurance Affordability Act of 2013"-would delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes

Implementation of Public Law No. 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically, provisions on risk, insurance oversight (Federal Insurance Office), conflicting Department of Labor fiduciary standards, and CFPB activities related to P&C insurance. Issues related to lender placed insurance, including proposals by the CFPB.Discussions related to Basel III capital standards. Discussions on U.S. and global designation of systemically relevant non-bank's financials. S.1369, A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes. H.R. 2140, Insurance Capital and Accounting Standards Act of 2013. General issues related to anti-trust exemptions for P&C insurance. General issues related to Super Storm Sandy, as related to P&C insurance. General discussion of natural catastrophe related legislation. H.R. 240, Homeowners Insurance Protection Act of 2013. H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013. H.R. 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013. H.R. 1945, Fostering Resilience to Terrorism Act of 2013. Issues related to Implementation of National Flood Insurance Program reform. S. 996, a bill to amend the National Flood Insurance Program, specifically provisions related to rates. H.R. 2199, Flood Insurance Implementation Reform Act.

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

Flood Insurance, National Flood Insurance Program and reinsurance, H.R. 508: TRIA Reauthorization Act of 2013, H.R. 2199: Flood Insurance Implementation Act of 2013, H.R. 3013: Home Protection Act of 2013, H.R. 3156: Responsible Implementation of Flood Insurance Reform Act of 2013, H.R, 3218: Flood Insurance Fairness Act of 2013, S. 996: A bill to improve the National Flood Insurance Program, S. 1098: Responsible Implementation of Flood Insurance Reform Act of 2013,S. 1075: SHORE Act of 2013, H.R. 2146: Terrorism Risk Insurance Program Reauthorization Act of 2013.

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

Natural Disaster Policy HR152 - Disaster Relief Appropriations Act of 2013 HR240 - Homeowners Insurance Protection Act of 2013 HR960 - Flood Victim Premium Relief Act of 2013Natural Disaster Policy (cont'd) HR1101 - Homeowners and Taxpayers Protection Act of 2013 HR1267 - Flood Insurance Premium Relief Act of 2013 HR1485 - A bill to amend the National Flood Insurance Act of 1968 to modify the phase-in increases in flood insurance premium rates for certain properties, and for other purposes HR2199 - York River Wild and Scenic River Study Act of 2013 HR2217 - Fiscal 2014 Homeland Security Appropriations S601 - Water Resources Development Act of 2013 S954 - FARM Bill S996 - A bill to improve the National Flood Insurance Program, and for other purposes Discussions with the Federal Emergency Management Agency (FEMA) within the Department of Homeland Security (DHS) on flood insurance and National Flood Insurance Program (NFIP) reform legislation implementation.

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

H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 H.R. 1945, Fostering Resilience to Terrorism Act of 2013 H.R. 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013 H.R. 2199, Flood Insurance Implementation Reform Act of 2013 S. 996, A bill to improve the National Flood Insurance Program, and for other purposes Various issues relating to the Terrorism Risk Insurance Program; National Flood Insurance Program

Client expense: $12,160,000 · Firm income: Not reported

Monitor the implementation of P.L. 112-141, National Flood Insurance Program Extension Act, 2012. Monitor federal action by the Internal Revenue Service regarding ferry commuter benefits, and congressional outreach regarding same.Monitor federal action and Congressional outreach regarding U.S. Fish and Wildlife Services proposed rule on Designation of Critical Habitat for the Northwest Atlantic Ocean Distinct Population Segment of the Loggerhead Sea Turtle. (Docket No. FWS-R4-ES-2012-0103). Congressional outreach regarding U.S. Army Corps of Engineer projects affecting Bald Head Island. H.R. 960, Flood Victim Premium Relief Act of 2013. H.R. 2199, Flood Insurance Implementation Reform Act of 2013. H.R. 2217, Department of Homeland Security Appropriations Act, 2014. H.AMDT.121 to H.R. 2217, to prohibit the use of funds to implement, carry out, administer, or enforce section 1308(h) of the National Flood Insurance Act of 1968. H.R. 2288, Commuter Parity Act of 2013. H.R. 2609, Energy and Water Development and Related Agencies Appropriations Act, 2014. H. AMDT. 306 to H.R. 2609, An amendment to prohibit use of funds to continue the study conducted by the Army Corps of Engineers pursuant to section 5018(a)(1) of the Water Resources Development Act of 2007. S. 1245, Energy and Water Development and Related Agencies Appropriations Act, 2014. H.R. 3080, Water Resources Reform and Development Act of 2013. S. 601, Water Resources Development Act of 2013 H.R. 3218, Flood Insurance Fairness Act of 2013.

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

Monitor the implementation of P.L. 112-141, National Flood Insurance Program Extension Act, 2012. Monitor federal action by the Internal Revenue Service regarding ferry commuter benefits, and congressional outreach regarding same.Monitor federal action and Congressional outreach regarding U.S. Fish and Wildlife Services proposed rule on Designation of Critical Habitat for the Northwest Atlantic Ocean Distinct Population Segment of the Loggerhead Sea Turtle. (Docket No. FWS-R4-ES-2012-0103). Congressional outreach regarding U.S. Army Corps of Engineer projects affecting Bald Head Island. H.R. 960, Flood Victim Premium Relief Act of 2013. H.R. 2199, Flood Insurance Implementation Reform Act of 2013. H.R. 2217, Department of Homeland Security Appropriations Act, 2014. H.AMDT.121 to H.R. 2217, to prohibit the use of funds to implement, carry out, administer, or enforce section 1308(h) of the National Flood Insurance Act of 1968. H.R. 2288, Commuter Parity Act of 2013. H.R. 2609, Energy and Water Development and Related Agencies Appropriations Act, 2014. H. AMDT. 306 to H.R. 2609, An amendment to prohibit use of funds to continue the study conducted by the Army Corps of Engineers pursuant to section 5018(a)(1) of the Water Resources Development Act of 2007. S. 1245, Energy and Water Development and Related Agencies Appropriations Act, 2014. H.R. 3080, Water Resources Reform and Development Act of 2013. S. 601, Water Resources Development Act of 2013 H.R. 3218, Flood Insurance Fairness Act of 2013.

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

Monitor the implementation of P.L. 112-141, National Flood Insurance Program Extension Act, 2012. Monitor federal action by the Internal Revenue Service regarding ferry commuter benefits, and congressional outreach regarding same.Monitor federal action and Congressional outreach regarding U.S. Fish and Wildlife Services proposed rule on Designation of Critical Habitat for the Northwest Atlantic Ocean Distinct Population Segment of the Loggerhead Sea Turtle. (Docket No. FWS-R4-ES-2012-0103). Congressional outreach regarding U.S. Army Corps of Engineer projects affecting Bald Head Island. H.R. 960, Flood Victim Premium Relief Act of 2013. H.R. 2199, Flood Insurance Implementation Reform Act of 2013. H.R. 2217, Department of Homeland Security Appropriations Act, 2014. H.AMDT.121 to H.R. 2217, to prohibit the use of funds to implement, carry out, administer, or enforce section 1308(h) of the National Flood Insurance Act of 1968. H.R. 2288, Commuter Parity Act of 2013. H.R. 2609, Energy and Water Development and Related Agencies Appropriations Act, 2014. H. AMDT. 306 to H.R. 2609, An amendment to prohibit use of funds to continue the study conducted by the Army Corps of Engineers pursuant to section 5018(a)(1) of the Water Resources Development Act of 2007. S. 1245, Energy and Water Development and Related Agencies Appropriations Act, 2014. H.R. 3080, Water Resources Reform and Development Act of 2013. S. 601, Water Resources Development Act of 2013 H.R. 3218, Flood Insurance Fairness Act of 2013.

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

Monitor the implementation of P.L. 112-141, National Flood Insurance Program Extension Act, 2012. Monitor federal action by the Internal Revenue Service regarding ferry commuter benefits, and congressional outreach regarding same.Monitor federal action and Congressional outreach regarding U.S. Fish and Wildlife Services proposed rule on Designation of Critical Habitat for the Northwest Atlantic Ocean Distinct Population Segment of the Loggerhead Sea Turtle. (Docket No. FWS-R4-ES-2012-0103). Congressional outreach regarding U.S. Army Corps of Engineer projects affecting Bald Head Island. H.R. 960, Flood Victim Premium Relief Act of 2013. H.R. 2199, Flood Insurance Implementation Reform Act of 2013. H.R. 2217, Department of Homeland Security Appropriations Act, 2014. H.AMDT.121 to H.R. 2217, to prohibit the use of funds to implement, carry out, administer, or enforce section 1308(h) of the National Flood Insurance Act of 1968. H.R. 2288, Commuter Parity Act of 2013. H.R. 2609, Energy and Water Development and Related Agencies Appropriations Act, 2014. H. AMDT. 306 to H.R. 2609, An amendment to prohibit use of funds to continue the study conducted by the Army Corps of Engineers pursuant to section 5018(a)(1) of the Water Resources Development Act of 2007. S. 1245, Energy and Water Development and Related Agencies Appropriations Act, 2014. H.R. 3080, Water Resources Reform and Development Act of 2013. S. 601, Water Resources Development Act of 2013 H.R. 3218, Flood Insurance Fairness Act of 2013.

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

HR 624 Cyber Intelligence Sharing and Protection Act HR 688 Credit Union Small Business Job Creation Act of 2013 HR 719 Capital Access for Small Businesses and Jobs Act HR 749 Eliminate Privacy Notice Confusion ActHR 756 Cybersecurity Enhancement Act HR 797 Municipal Adviser Oversight Improvement Act of 2013 HR 801 The Holding Company Restriction threshold Equalization Act HR 892 The S Corporation Modernization Act HR 967 Advancing America's Networking and Information Technology Research and Development Act HR 1062 SEC Regulatory Accountability Act HR 1163 Federal Information Security Amendments Act HR 1553 The Financial Institutions Examination Fairness and Reform Act HR 1603 The Mutual Community Bank Competitive Equality Act HR 1750 The Community Lending Enhancement and Regulatory Relief Act HR 2199 Flood Insurance HR 2295 Basel III Commonsense Approach for Small Entities Act HR 2323 The Right to Lend Act HR 2402 The Consumer Financial Protection Commission Act HR 2446 The Responsible Consumer Financial Protection Regulations Act HR 2542 The Regulatory Flexibility Improvements Act of 2013 HR 2672 The CFPB Rural Designation Petition and Correction Act HR 2673 The Portfolio Lending and Mortgage Access Act of 2013 HR 2767 The Protecting American Taxpayers Homeowners Act HR 3193 The Consumer Financial Protection Safety and Soundness Improvement Act S 205 Responsible Financial Consumer Protection Regulations Act S 450 The Financial Regulatory Responsibility Act S 635 Privacy Notice Relief Act S 710 Municipal Adviser Relief Act S 727 The Financial Institutions Examination Fairness and Reform Act S 731 Basel III Commonsense Approach For Small Entities Act S 798 The Terminating Bailouts for Taxpayer Fairness Act S 872 Holding Company Registration Threshold Equalization Act S 968 Credit Union Small Business Lending Act S 996 Flood Insurance S 1217 Housing Finance Reform and Taxpayer Protection S 1349 The Community Lending Enhancement and Regulatory Relief Act S 1353 The Cybersecurity Act of 2013 S 1534 Freedom and Mobility In Consumer Banking Act Bank Examinations Capital Requirements/Regulations/Basel III Rules CFPB Reforms Credit Union Business Lending Powers Credit Union Tax Exemption Fair Housing Act "Disparate Impact" FHA Loan Programs Financial Regulatory Reform Flood Insurance Reform Implementation of Bigger-Waters Act GAO Study of Too Big To Fail Housing Finance Reform Housing Government Sponsored Enterprises Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act Mortgage Escrow Requirements Mortgage Lending Disclosures (RESPA/TILA) Mortgage Lending Reform Mortgage Loan Origination Standards Mortgage Servicing StandardsNational Flood Insurance Program Reauthorization Overdraft Protection Patent Reform Qualified Mortgages, Ability to Repay Rules Qualified Residential Mortgages/Risk Retention Registration of Municipal Advisors Regulation Z Establishment of Escrow - Higher Priced Loans Regulatory and Tax Relief for Community Banks Rural Housing Appraisals SEC Shareholder Registration Threshold for Community Banks Systemic Risk, Too-Big-To-Fail Regulation and Resolution Authority

H.R. Flood Victim Premium Relief Act of 2013 H.R. to require the study of voluntary community-based flood insurance options and how such options could be incorporated into the national flood insurance program, and for other purposes. H.R. 1267, Flood Insurance Premium Relief Act of 2013H.R. 1485, to amend the National Flodo Insurance Ac tof 1968 to modify the phase-in increases in flood insurance premium rates for certain properties, and for other purposes. H.R. 2199, Flood Insurance Implementation Reform Act of 2013 H.R. 3156, Responsible Implementation of Flood Insurance Reform Act of 2013 H.R. 3218, Flood Insurance Fairness Act of 2013 S. 996, A bill to improve the National Flodo Insurance Program, and for other purposes S. 1075, Saving Homeowners from Onerous Rate Escalations Act of 2013 S. 1098, Responsible Implementation of Flood Insurance Act of 2013 H.R. 3298, Disaster Savings Accounts Act of 2013

Client expense: $23,562 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), Bureau of Reclamation, Commerce, Dept of (DOC), Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), HOUSE OF REPRESENTATIVES, Interior, Dept of (DOI), Natl Oceanic & Atmospheric Administration (NOAA), Natl Park Service (NPS), Office of Management & Budget (OMB), SENATE, U.S. Fish & Wildlife Service (USFWS), U.S. Forest Service

Insurance Regulatory Reform-Implementation of the "Dodd Frank Wall Street Reform & Consumer Protection Act" (Regulations) "Dodd Frank Wall Street Reform & Consumer Protection Act" - overhauls regulation of federal markets(not yet in legislative form) 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-changes effective dates and studies Title VII of Dodd-Frank Act(not yet in legislPub L 111-203- Dodd-Frank Wall Street Reform and Consumer Protection Act - To exempt inter-affiliate swaps from certain regulatory requirements HR 41 - A bill to increase the borrowing authority for the "NFIP" HR 982 - FACT Act - "Furthering Asbestos Claim Transparency (FACT) Act of 2013" - "Amends title 11 of the US code to require the public disclosure by trusts established under section 524(g) of such title, of quarterly reports that contain detailed information regarding receipt and disposition of claims for injuries based on exposure to asbestos and for other purposes HR 508 - Terrorism Risk Insurance Act (TRIA) - requires commercial insurers to provide terrorism risk coverage, reauthorizes the program for 5 years Disaster mitigation proposals (not in bill form) HR 1309 - "Flood Insurance reform Act of 2011" - reauthorizes and reforms National Flood Insurance Program HR 1064 / S 534 - NARAB II - National Association of Registered Agents and Brokers Reform Act of 2011-A bill to reform the National Association of Registered Agents and Brokers and for other purposes (NARAB II), would establish a federal licensing clearinghouse for insurance agents who operate in multiple states USPS 5 day delivery and postal reform proposals (not in bill form) HR 4348 - "MAP-21/Transportation and NFIP Conference Report" - reauthorizes federal transportation and safety programs and reforms and reauthorizes the NFIP fo 5 years HR 1945- "Fostering Resilience to Terrorism Act of 2013"-to extend the Terrorism Risk Insurance program of the Department of Treasury for 10 years, and for other purposes. Program expires on December 31, 2014 HR 2146-"Terrorism Risk Insurance Program Reauthorization Act of 2013" to extend the Terrorism Risk program of the Department of the Treasury for 10 years. Extends the Program through December 31, 2024 S 996-Strengthen, Modernize and Reform the National Flood Insurance Program(SMART NFIP) Act-"A bill to improve the National Flood Insurance Program and for other purposes" HR 1035-"To require a study of voluntary community based flood insurance options and how such options could be incorporated into the national flood insurance program, and for other purposes" Directs the Administer of FEMA to study and report to Congress on options, methods, and strategies HR 2199-"The Flood Insurance Implementation Reform Act of 2013"-to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012. Bill would delay the premium increase by 3 years after the enactment of the bill S 1075-"The Saving Homeowners from Onerous Rate Escalations of 2013 SHORE Act of 2013"-a bill to extend the phase-in of actuarial rates for flood insurance for certain properties under Biggert-Waters Flood Insurance Reform Act of 2102-would help homeowners avoid steep increases in premiums H AMDt. 121 to HR 2217-An amendment to prohibit the use of funds to implement, carry out, administer, or enforce section 1308 (h) of the NFIA of 1968 (42 U.S.C. 4015(h)). An amendment to the Department of Homeland Security Appropriations Act, 2014. Delays the premium increase for one year HR 2140 "Insurance Capital and Accounting Standards Act of 2013"- a bill to permit insurance companies that are depositoryholding companies, or are subsidaries of depository holding companies, to comply with the accounting and capital requirements applicable to the insurance company under State law, and for other purposes S 1369 A bill to provide flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes HR 1194 - ""National Flood Insurance Program Termination Act of 2013"- to terminate the National Flood Insurance Program and related mandatory purchase and compliance requirements S 601- "Water Resources Development Act of 2013"-to provide for the conservation and development of water and related resources, to authorize the Secretary of the Army to construct various projects for improvements to rivers and harbors of the United States, and for other purposes

Optional Federal Charter (Generally) H.R. 1155 National Association of Registered Agents and Brokers Act (All Provisions) S. 534 National Association of Registered Agents and Brokers Act (All Provisions) H.R. 2140 Insurance Capital Accounting Standards Act of 2013 (All Provisions)H.R. 240 Homeowners Insurance Protection Act (All Provisions) H.R. 508 TRIA Reauthorization (All Provisions) H.R. 549 Homeowner Catastrophe Protection Act (All Provisions) H.R. 1035 Community Based NFIP Study (All Provisions) H.R. 1369 Firearm Risk Protection Act (All Provisions) P.L. 112-141 Flood Insurance Reform Act of 2012 (Implementation) H.R. 737 Homeowners Defense Act (All Provisions) H.R. 960 Flood Victim Premium Relief Act (All Provisions) H.R. 2374 Retail Protection Investor Act (All Provisions) H.R. 1878, S. 905 Safe Building Codes Incentive Act (All Provisions) H.R. 1267 Flood Premium Relief Act (All Provisions) H.R. 1194 National Flood Insurance Program Termination Act (All Provisions) H.R. 1035 Community Based Flood Insurance Act (All Provisions) H.R. 2217 Homeland Security Appropriations Act (Flood Provisions) H.R. 1945 Fostering Resiliance to Terrorism Act (All Provisions) H.R. 1485 A Bill to modify NFIP Phase-in Premium increase (All Provisions) H.R. 2146 Terrorism Risk Insurance Program Reauthorization Act of 2013 (All Provisions) S. 996 Delay of NFIP Rate Increases (All Provisions) H.R. 2199 Flood Insurance Implementation Reform Act (All Provisions) S. 1098 Responsible Implementation of Flood Insurance Reform (All Provisions)

Client expense: $320,000 · Firm income: Not reported

H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 H.R. 2199, Flood Insurance Implementation Reform Act of 2013 S. 996, A bill to improve the National Flood Insurance Program, and for other purposes Various issues relating to the Terrorism Risk Insurance Program; National Flood Insurance Program

Client expense: $13,970,000 · Firm income: Not reported

Natural Disaster Policy HR152 - Disaster Relief Appropriations Act of 2013 HR240 - Homeowners Insurance Protection Act of 2013 HR960 - Flood Victim Premium Relief Act of 2013Natural Disaster Policy (cont'd) HR1101 - Homeowners and Taxpayers Protection Act of 2013 HR1267 - Flood Insurance Premium Relief Act of 2013 HR1485 - A bill to amend the National Flood Insurance Act of 1968 to modify the phase-in increases in flood insurance premium rates for certain properties, and for other purposes HR2199 - York River Wild and Scenic River Study Act of 2013 HR2217 - Fiscal 2014 Homeland Security Appropriations S601 - Water Resources Development ACt of 2013 S954 - Farm Bill S996 - A bill to improve the National Flood Insurance Program, and for other purposes Discussions with the Government Accountabiliy Office regarding flood insurance. Discussions with the Federal Emergency Management Agency (FEMA) within the Department of Homeland Security (DHS) on flood insurance and National Flood Insurance Program (NFIP) reform legislation implementation.

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

Insurance Regulatory Reform-Implementation of the "Dodd Frank Wall Street Reform & Consumer Protection Act" (Regulations) "Dodd Frank Wall Street Reform & Consumer Protection Act" - overhauls regulation of federal markets(not yet in legislative form) 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-changes effective dates and studies Title VII of Dodd-Frank Act(not yet in legislPub L 111-203- Dodd-Frank Wall Street Reform and Consumer Protection Act - To exempt inter-affiliate swaps from certain regulatory requirements HR 41 - A bill to increase the borrowing authority for the "NFIP" HR 982 - FACT Act - "Furthering Asbestos Claim Transparency (FACT) Act of 2013" - "Amends title 11 of the US code to require the public disclosure by trusts established under section 524(g) of such title, of quarterly reports that contain detailed information regarding receipt and disposition of claims for injuries based on exposure to asbestos and for other purposes HR 508 - Terrorism Risk Insurance Act (TRIA) - requires commercial insurers to provide terrorism risk coverage, reauthorizes the program for 5 years Disaster mitigation proposals (not in bill form) HR 1309 - "Flood Insurance reform Act of 2011" - reauthorizes and reforms National Flood Insurance Program HR 1064 / S 534 - NARAB II - National Association of Registered Agents and Brokers Reform Act of 2011-A bill to reform the National Association of Registered Agents and Brokers and for other purposes (NARAB II), would establish a federal licensing clearinghouse for insurance agents who operate in multiple states USPS 5 day delivery and postal reform proposals (not in bill form) HR 4348 - "MAP-21/Transportation and NFIP Conference Report" - reauthorizes federal transportation and safety programs and reforms and reauthorizes the NFIP fo 5 years HR 1945- "Fostering Resilience to Terrorism Act of 2013"-to extend the Terrorism Risk Insurance program of the Department of Treasury for 10 years, and for other purposes. Program expires on December 31, 2014 HR 2146-"Terrorism Risk Insurance Program Reauthorization Act of 2013" to extend the Terrorism Risk program of the Department of the Treasury for 10 years. Extends the Program through December 31, 2024 S 996-Strengthen, Modernize and Reform the National Flood Insurance Program(SMART NFIP) Act-"A bill to improve the National Flood Insurance Program and for other purposes" HR 1035-"To require a study of voluntary community based flood insurance options and how such options could be incorporated into the national flood insurance program, and for other purposes" Directs the Administer of FEMA to study and report to Congress on options, methods, and strategies HR 2199-"The Flood Insurance Implementation Reform Act of 2013"-to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012. Bill would delay the premium increase by 3 years after the enactment of the bill S 1075-"The Saving Homeowners from Onerous Rate Escalations of 2013 SHORE Act of 2013"-a bill to extend the phase-in of actuarial rates for flood insurance for certain properties under Biggert-Waters Flood Insurance Reform Act of 2102-would help homeowners avoid steep increases in premiums H AMDt. 121 to HR 2217-An amendment to prohibit the use of funds to implement, carry out, administer, or enforce section 1308 (h) of the NFIA of 1968 (42 U.S.C. 4015(h)). An amendment to the Department of Homeland Security Appropriations Act, 2014. Delays the premium increase for one year